10 Car Insurance Cost Cutters

by Ron

Car insurance rates have risen dramatically in the past few decades and there are several reasons why: Society is “sue happy” and insurers feel the brunt of it People are ditching their car insurance for financial reasons (a scary trend) Cars are more expensive to repair and replace Insurers have experienced high levels of losses [...]

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How To Build Your Financial Bug-Out Bag

by Ron

Bug-out bags have long been the rage among the “what-if crowd” and they’re quickly becoming more popular in mainstream circles too. These bags are designed to be grabbed quickly in case “something” happens. They can contain anything from several days worth of meals, to survival gear, to weapons, to water purifiers, to several day’s worth [...]

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Overlooked Secrets to Do Away With Debt

by Ron

To eliminate debt, you have to be both patient and persistent. There is no overnight solution to owing lots of money, but there are ways to minimize the obligations over time. Some of the most common techniques are reducing spending, making larger credit card payments and getting a second job. These strategies will definitely help [...]

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How I Paid Over $120,000 in Debt in 52 Months

by Ron

Getting out of debt is a lot like baking a cake. Mix in the right ingredients, in the right proportions, and pop it in the oven. Then the waiting begins. You can smell it baking, the sweet aromas of vanilla, butter, eggs, and flour. You can see it baking as the once gooey batter transforms [...]

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The Clock Keeps Ticking

by Ron

Truly effective time management isn’t something you can do once and then forget. The clock keeps ticking, and your efforts to stay on top of everything must keep up. The good news is that you don’t have to start from scratch every day. Establishing good time-management habits and routines will give you a strong foundation [...]

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Investing in Real Estate Investment Trust ETFs

by Ron

Real estate investment trusts (REITs) are companies that hold portfolios of real estate and related assets, such as office buildings, apartment complexes, and malls. Some REITs also earn money by lending money to others for the purchase of real estate property. REIT ETFs track indexes that consist of stocks of publicly traded REITs. Why Investors Buy [...]

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Should You Invest While You’re In Debt?

by Ron

The decision to begin investing while you still have debt hanging over your head isn’t a black or white proposition. A lot depends on what type of investments you’d like to make and what type of debt remains on your personal books. Is it high interest debt, low interest debt, or tax deductible debt? If [...]

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10 Places You Don’t Need A Good Credit Score

by Ron

A couple of years back, there was a “Free Credit Report” ad blitz that had some catchy tunes and musicians singing about the benefits of a good credit score … and how depressing a bad credit score could be. I was gettin’ depressed cause of all the stress I was feeling at home. Had a [...]

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Filing for Bankruptcy: Chapter 7 or Chapter 13?

by Ron

Regardless of whether you hire a bankruptcy lawyer or go it alone, you’ll have to decide between Chapter 7 or Chapter 13 bankruptcy. If you’re working with a bankruptcy lawyer, he or she will review your financial information and suggest whether to file Chapter 7 or 13. If you’re filing on your own, the easiest [...]

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Don’t Panic: There’s Still Time To Complete Your Taxes

by Ron

Yes, the deadline is just around the corner but even if you’ve waited until today, you still have time to get your taxes completed. Even if you don’t think you have time, you can always use one of the big tax software firms to file IRS form 4868, getting an extension until August. Get ‘em [...]

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3 Ways to Invest in Real Estate: Which Is Best?

by Ron

This is an article from guest writer, Amanda Brown, a freelance finance writer whom enjoys coaching/playing volleyball. When she is not writing she is spending time with her friends and family, or playing with her dog Charlie! As the economy recovers, real estate is once again an attractive way to make money. The process can [...]

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Beyond “Little Known” Tax Deductions, Worry Instead About Forgotten INCOME

by Ron

This time of year, you’ll find blog post after blog post, news article after news article, pundit after pundit writing, and talking about “little known tax deductions.” Those don’t scare me. What does scare me are “little known” or worse – forgotten – sources of income that are subject to taxes. The IRS has a much better chance of finding income you failed to report than in discovering that you actually donated 7 garbage bags of used clothing rather than 9 bags of used clothing to the Salvation Army. So where do you think the IRS’s focus will be?

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Q & A on Tax Exemptions, Dependents, and Charitable Giving

by Ron

Since we work on our taxes (usually) only once per year and even then many of us turn them over to professionals whether in the form of a tax accountant or a software program like TurboTax, our understanding and recollection of many of the terms and definitions used during tax time can become a little [...]

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