My Ex-Spouse Cosigned a Loan – Am I Liable?

by Ron Haynes

I recently received an email from a reader who was concerned about a loan that her ex-husband cosigned with his nephew. Hi, Ron. A couple of months ago, my ex-husband cosigned a loan with his nephew to help him get a pickup truck to use in his lawn care business. He hasn’t been able to […]

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Things I DIDN’T Learn in College: Part 3 – How I Learned to Study

by Ron Haynes

When I was in college I stumbled upon a study technique that consistently produced A’s in my classes. It did require a lot of work, but when I fully developed and followed these ideas, I aced my classes. I’m not talking easy 101 type classes either, I was excelling in 300 and 400 level courses. Your mileage may vary, but here’s how I did it:

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Things I DIDN’T Learn in College: Part 2 – How to Recognize a Scam

by Ron Haynes

Colleges teach facts but rarely teach students real life skills. Colleges can teach you how to compute the interest rate on a series of cash flows but they rarely teach you to recognize bogus cash flows. Before you think you’re too savvy to fall for a scam, remember that everything from high school students to […]

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If You’re Willing To Work, You CAN Make More Money

by Ron Haynes

Looking back at some of the most successful people in history, I’ve found that they all had three characteristics: An incredible work ethic Persistence Knowledge of their business Success doesn’t require a college degree, it doesn’t require a fat bank account to begin with, and it doesn’t depend on having an incredibly creative one-of-a-kind idea. […]

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6 Ways to Make a Quick $500 in 30 Days

by Ron Haynes

Making a quick $500 in 30 days can be done. It all depends on how badly you want it. Sometimes you just need a quick boost in income to help cover a medical bill, sometimes you need to make extra money to buy a gift or two. The difference between people who make extra money […]

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How the iPhone Is Manufactured

by Ron Haynes

Here’s a really neat infographic on how the venerable iPhone is manufactured. It seems that TIME rather than MONEY is one of the key factors, but since for many of us time IS money, it all boils down to the bottom line one way or another. For the record, I own an iPhone. Check out […]

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Are You Ready For A Mortgage? Part Four: Organize The Information Your Lender Requires

by Ron Haynes

Before you begin shopping for a home (or a mortgage), it’s vital to evaluate your personal financial situation, how much debt you carry, how much money you make, how much you spend, and how much you pay out in living and lifestyle expenses each month. To do a complete evaluation: Analyze your personal financial situation. […]

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Are You Ready For A Mortgage? Part Three: Review Your Credit Report and Credit Score

by Ron Haynes

Before you begin shopping for a home (or a mortgage), it’s vital to evaluate your personal financial situation, how much debt you carry, your credit score, how much money you make, how much you spend, and how much you pay out in living and lifestyle expenses each month. To do a complete evaluation: Analyze your […]

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Are Your Ready For A Mortgage? Part Two: What Size Mortgage Can You Afford?

by Ron Haynes

Before you begin shopping for a home (or a mortgage), it’s vital to evaluate your personal financial situation, how much debt you carry, how much money you make, how much you spend, and how much you pay out in living and lifestyle expenses each month. To do a complete evaluation: Analyze your personal financial situation. […]

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Are You Ready For A Mortgage? Part One: Analyze Your Finances

by Ron Haynes

Before you begin shopping for a home (or a mortgage), it’s vital to evaluate your personal financial situation, how much debt you carry, how much money you make, how much you spend, and how much you pay out in living and lifestyle expenses each month. To do a complete evaluation: Analyze your personal financial situation. […]

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4 Reasons Your Job Doesn’t Pay Well

by Ron Haynes

Aside from obvious job related performance issues and aside from a lack of job experience, there are 4 reasons your job may not pay well. These reasons are standard regardless of job and they hold true in virtually all economic situations. People complain about a certain “important” job paying less than an “unimportant” job. They […]

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You’ll Hate Yourself Later if You Don’t Try These High-Tech Household Budget-Cutters

by Ron Haynes

If you’re still paying $120 per month for cable, Internet and phone service, it’s time to give your budget a 21st-century overhaul. These days there are many high-tech, low-cost alternatives to paying too much for household necessities, from phone service to cable television to heating and cooling. For those who want to save money to […]

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Jobs That Pay Surprisingly Little

by Ron Haynes

I read an article published on Yahoo about ten “surprising” minimum wage jobs but I was surprised that the authors didn’t really understand WHY those jobs don’t pay very well. Here’s the list: Emergency Medical Technician (EMT) Pharmacy Technician Certified Nursing Assistant (CNA) Preschool Teacher Amusement Park Ride Operator Line Cook Lifeguard Nanny Automobile Mechanic […]

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