You can pay off a car loan quicker and cheaper than you think. And if you have a car loan that carries a high interest rate, your number one priority should be to pay it off as early as possible. Fortunately, it’s not difficult to do. 1. Determine how much money you need to increase [...]
If you own an IRA and you’re approaching age 70 ½, you’ll be forced one day soon to take an RMD. What is an RMD? It’s a Required Mandatory Distribution, and it’s one of the most important IRA rules there are. In other words, the government will force you to start taking money out of [...]
If you are thinking about retirement, one of your biggest questions is how to make sure your nest egg lasts as long as you do. Even if you aren’t going to retire for another 10 years, you might be worrying about being behind schedule on the savings front. Two steep market declines over the last [...]
You use negotiation strategies every single day, but you may not know it. If you have kids, you negotiate with them on keeping their rooms clean (let me know how that works). If you have a spouse, you negotiate who cooks and who cleans. If you have a boss, you negotiate deadlines, conditions, pay, etc. [...]
Do you ever wonder how much you owe your kids? While the answer always boils down to personal values, I think the question is worthwhile to bring up. I know I could use your input because I always learn so much from your comments. I live in a pretty affluent area. When kids get into [...]
Can you think of anything more infuriating than getting ripped off by credit card scams? (Read Debt Relief Scams for some ideas.) Maybe there are worse things but just the mere thought of this really steams my tea. These perpetrators are cowards and thieves and there are very few people I have less respect for. Enough. [...]
If you work for “the man” he’s got to provide for legitimate travel and business expense reimbursement. While your firm is probably very willing to repay you, it’s up to you to make sure you get what’s coming to you. Even if you don’t care about the small amount of money, stay on top of [...]
I started looking into starting a business networking group recently. If you’re in business for yourself, you understand that your constant challenge is to promote your business. Business promotion, or marketing, can be very expensive. And just because you spend a great deal of money on promotion won’t guarantee results. In fact, my experience tells [...]
If you own or are thinking about LTC, there are a few things you need to understand about long term care tax deductions before asking for an LTC insurance quote. Under the current tax code, LTC offers some nice benefits. For example, if you itemize your deductions, you can include your premiums as a [...]
You may think it’s impossible, but I’m here to tell you that you can control spending easily. The first step to doing that is to know what you spend. Make sense? Now, if you are sick and tired of hearing me suggest that you use software like You Need A Budget to track your spending, you [...]
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