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 on. […]
Adjustable Rate Mortgage – Good or Bad Idea Right Now?
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 […]
Your 8-Step Small Business Continuity Plan
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 […]
Are Poor People in America Really Poor?
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 […]
3 Portfolio Income Enhancers You Don’t Know About
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 […]
When Roth IRA Conversions Make Sense and When They Don’t
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, […]