Personal and Business Finances
Plan the Life You Want.
As is often quoted, the best laid plans of mice and
men often go astray. But, that is not an excuse not to
plan. Planning is all about the things you can control,
and at the same time being aware of economic, social,
and business trends that will affect you and your
Many trends sneak up on us if we do not keep up with
the news both in general and in business. Even if we are
not involved in a business directly, business trends
have an effect on everyone's lives. For example,
automation that will extend into our every day lives and
will likely affect the way we live and work.
The best way to keep up with trends is to read
reputable newspapers and magazines which should include
trade journals. You can also find blogs online that
discuss subjects in your field.
Apr 4, 2018
How I Ditched Debt: Tenacious Focus on the Goal
Bev O' Shea
Samantha Ealy thought she was being budget-smart when she transferred from Howard University, in Washington, D.C., to Baylor University in Waco, Texas.
The cost of living was much lower, but she got an apartment that was still well above what she could afford. She was struggling with debt already, and she couldnít quite make rent. And then she was evicted. She sold her furniture to repay her landlord and avoid being sued.
For about a month she slept in her car. It was August 2009, when the average high temperature was 100, and lows averaged 76. She showered in the campus gym and spent the bulk of her time in the air-conditioned library. She says she was there so much they offered her a job. More info...
Apr 4, 2018
What You Need To Know About Social Security and Medicare Changes for 2018
Each and every year we see some small changes to Social Security and Medicare. This year is no different. How much you will receive from Social Security during retirement, to the caps on payroll taxes to fund future benefits are just a couple of the common areas with changes. Medicare beneficiaries will mostly pay more for their health-care premiums in 2018. There are also changes to new income rules that determine your Medicare surcharges for 2018. More info...
Apr 4, 2018
3 Common Money Myths You Probably Believe
If you want to build your wealth, itís never been easier to learn how to do that, I
Anyone with an Internet connection can find the answers to just about any question in a matter of seconds. You can teach yourself almost anything, which is an amazing advantage, because knowledge truly is power.
But there are some huge downsides to all this freely available information. For one, anyone can publish whatever they want on the Internet, whether itís factual or not. And much of this information, factual or otherwise, comes without a lot of context. Without context, you might find yourself buying into some myths that just arenít true. More info...
Apr 2, 2018
3 Things You Should Never Ask Your Financial Advisor
As you get around to opening your Q1 brokerage statement, take a breath, and remember: donít judge somebody (especially your financial advisor) until you have walked a mile in his or her shoes. Itís easy to judge the actions of others in hindsight and opine on sub-optimal outcomes when we are not responsible for making decisions ourselves.As you get around to opening your Q1 brokerage statement, take a breath, and remember: donít judge somebody (especially your financial advisor) until you have walked a mile in his or her shoes. Itís easy to judge the actions of others in hindsight and opine on sub-optimal outcomes when we are not responsible for making decisions ourselves. More info...
Mortgage Loan Assumption Agreement Form (Sample)