If you are in business for yourself, you have to know how to interview people. And you need to be very good at it. You probably don’t have an HR department, and you have to be efficient with your time. But you have to get it right. There is nothing more expensive than hiring the [...]
If you are in debt, especially credit card debt, you might be so focused on getting out of debt that you overlook one of the most important steps – reduce your cost of debt first. The reason this is important is because if you reduce your cost of debt, you can get out of financial [...]
If you have serious marital problems, you have to understand – before you call your divorce lawyer – what divorce will do to your 401k. The reality is there are some issues over which you have no control. But there are things you can do that will have a significant impact on yourself and your [...]
The following is a guest post on student credit card debt and an excerpt from Completely Conquer Credit, which is now available on Amazon for Kindle. There’s a lot that college students don’t know about credit cards. Truthfully, I lost focus many times in college with all of the parties and fun stuff going [...]
Over the next several days, treat yourself to a year-end review. The purpose of this exercise is twofold. First, it’s good business to tie up your loose ends. Second, reflecting on what has transpired over the last 12 months can help you be more effective over the coming year. Let’s see what your year-end review should consist of. First, [...]
Is a loan broker suggesting that you refinance your mortgage and jump into an adjustable rate mortgage? Before doing so you have to ask yourself just one question: do you feel lucky? Well, do you? Take a look at this graph. It says it all: This shows where adjustable rates are relative to where they [...]
Small business owners tend not to think about continuation, but that’s often a mistake. If your business generates any profit, it’s worth something. Sometimes it’s worth a great deal. It makes perfect sense to spend a little time to protect your enterprise with a small business continuity plan. A side benefit is that the same [...]
Have you ever stopped to ask yourself what you really know about the poor people in America? I know I never have. Are most poor people homeless? Are most poor people hungry? I’m not proud of saying this, but I never stopped to consider it. A few months ago I read an editorial in Investor’s [...]
There are ways to significantly increase your portfolio income. In a world of near 0% interest on CDs, that’s good news. Here are my top 3 tips on how to do it: 1. Callable CDs If you have no appetite for risk, you’re probably a CD buyer. But if you are a CD buyer, you’re [...]
The following post has been completely updated from the original version that appeared on January 25, 2010. Tax-free income at retirement – who wouldn’t want that if they could get it? And you can if your money is invested in a Roth IRA. That’s why Roth IRA conversions are a hot topic. With the Roth, any [...]
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