Need Extra Cash? There Are Only 4 Ways To Get It

by Ron

One of the most popular posts on The Wisdom Journal is 26 Ways To Make Extra Money While Keeping Your Day Job. Many of the ideas in that article require cash seekers to start their own small business of sorts, from babysitting to plant maintenance to tutoring kids to “mining the miners.”. But there are [...]

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How To Budget After Losing Your Job

July 28, 2010

If you’ve recently lost your job (like the other 8.5 million people in the last 2 years), I know you’re in a state of semi-shock. All sorts of questions are running through your head and you’re probably wondering about a lot more than your budget. You’re wondering about how you’ll live day to day until [...]

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When Luck Bites Back

July 27, 2010

With revenues declining for local, state, and federal governments, you can be sure the Tax Man will be on the lookout for his cut of your winnings, even if those winnings aren’t in cash.

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Investment Strategies To Beat The Tax Man

July 26, 2010

Rescuing your dwindling paycheck from the tax-man has become an important part of formulating an investment strategy, even if you are a rich politician. Regardless what you were promised in 2008, your taxes will go up once the “Bush” tax cuts are allowed to expire. A recent article in Investor’s Business Daily outlined how those [...]

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6 Options When Facing Foreclosure

July 21, 2010

Few circumstances could be more gut-wrenching than losing a home to foreclosure but if you’re facing the foreclosure of your home, you do have options. You may be able to save your home, your credit and maybe even some cash if you act quickly enough when you find yourself unable to pay your mortgage. Call [...]

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30 Ways To Save Money On A Cruise

July 19, 2010

My wife and I recently celebrated our 20 year wedding anniversary by taking an Alaskan Cruise through the Inside Passage. Simply put, we loved going to Alaska and immensely enjoyed the cruise itself. Although we’ve been on several Caribbean cruises with Carnival Cruise Lines, we chose Princess Cruise Lines this time. We were “kid-less” and [...]

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Make A Mid-Year Resolution

July 16, 2010

“Pay off debt” and “save more money” are consistently among the top five financial resolutions made every New Year’s Eve, but you don’t have to wait to begin improving your personal financial picture. Most resolutions are far too general in scope anyway so here are a few ways to specifically plan for a better financial [...]

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What To Say To Get Your Credit Card Interest Rate Lowered

July 15, 2010

In times past, all it took to get an interest rate cut on a credit card was asking for one. But no longer. Today when you call to ask for an interest rate reduction on your credit card, the representative on the other end of the phone call will likely have been trained to listen [...]

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Satisficing

July 14, 2010

Nobel laureate Herbert Simon coined the phrase “satisficing” to describe a decision making process that takes the shortcut of defining what is acceptable and then settling on the first alternative that meets those minimum requirements. It’s a play on satisfy and sacrifice, meaning that you sacrifice the best alternative for one that adequately satisfies your [...]

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6 Ugly Truths That Debt Settlement Companies DON’T Want You To Know

July 13, 2010

I know you’ve seen the television commercial and heard the radio announcements about debt settlement. In fact, it’s hard NOT to run across these ads at some point during the day or night. “Do you have more than $10,000 in credit card debt? If so, you MAY qualify to have your credit card bills CUT [...]

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7 Quick Tips to Lower Your Car Insurance Premiums

July 12, 2010

Car insurance companies calculate your premiums based on several risk factors. The biggest factor is the likelihood you’ll file a claim. Some examples of other risk factors with auto insurance include the mileage on the car, how often you use the car, your driving record, previous accidents, your zip code, whether your car is highly [...]

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