Drivers lose eight working days a year due to traffic. Business miss a lot of opportunities with their employees sitting in traffic and, then, calming down once they actually get to work. Sign up for our twice monthly newsletter and get our eBook Do You Know How to Be #MoneyConscious? for FREE! Name: Email:
This calculation takes into account tax deductions. It’s good to know if your refi is worth the investment before applying. Many people refi to lower monthly payments, but there are other considerations, too.
Rick Newman has the perfect title for this article: New Thanksgiving Tradition: Never Stop Shopping. Perfect and, yet, sad. If you have other financial goals than blowing money, you can call a hiatus on the holiday gift-giving. Our family did and so far no one has died. The kids will get gifts; adults will take
I was exercising at the gym this morning and “Big Love” by Fleetwood Mac came on my iPod. I was about the change it when I decided to listen. Lindsay Buckingham’s guitar skills on that song are amazing. When I was listening and doing bent-over-barbell-pulls, it struck me as ironic that two of my favorite albums came from dark places for the artists. Then, I thought, maybe their stories can be an inspiration for others.
Yesterday I went to Batteries Plus to get specialized
batteries for our garage door remote and our bathroom scale. The sales rep was already assisting someone,
so I attempted to find what we needed on my own. The store is small, so it’s easy to overhear
conversations. The woman being helped needed
a light bulb. I didn’t get the full
context of the conversation because I walked in midway through it. However, the sales rep was clearly confusing
her with all her options for a light bulb.
The woman could choose amongst different watts, tones, colors, energy
efficiency and price. As he was detailing
the uniqueness of each option, I laughed.
The two of us were talking last night and agreed that fundamentally, owning and renting real estate is still a good investment when it’s done by “traditional means”. What are traditional means? Buy a diamond in the rough in a good location (walkability, schools, transportation, etc.) Putting 20%+ down on a loan Getting a loan with
In addition to going directly to Experian, Transunion Equifax and Credit.com, you can now go through FICO Score Open Access Lender to request your credit score information. Open Access will highlight the “two most important factors impacting your credit score”, which is helpful if you’re trying to improve your credit score. Before applying for any
Learn how owning a home may reduce your car insurance. Home ownership demonstrates a sense of financial maturity, thereby calculating that you’re not a risky customer. As always, do your research and shop for rates. Be money conscious and smart.
all been there. We walk into a bank to
apply for a loan, such as a home or car loan.
We barely walk in the door and the greeter says with a friendly smile,
“How may I help you?” After we share why
we’re there, the greeter says, “Let me get someone to help you.” After a few minutes and enough time to make
you think the person you’ll meet is somewhat important, the banker comes around
the corner, introduces themselves and says, “I hear you need help with a
loan. I can assist.” We walk into their office where they offer
coffee and donuts and we start discussing needs, loans, terms and
conditions. Throughout the process the
banker is friendlier than our best friend.
Once we sign the loan agreement and receive the follow up information in
the mail, the relationship seems to change.
The saying goes early to bed early to rise makes a man healthy wealthy and wise, but does that mean anything for us today and for our budgets?
The truth is this was specifically written about and for the agrarian lifestyle. If you were a farmer you had only so many hours in the day that you could work, and it was dictated by the sun. If a farmer stayed up late and slept in he could miss many valuable hours of his workday by sleeping them away. Less work would mean he would be less efficient, less efficient; less income.