Everything Finance

So, you want to marry rich?

Marrying for solely financial reasons has always been frowned upon in our moralistic culture. As much...

How to create a good Craigslist ad and sell your stuff

My husband and I are moving and we’ve been scouring Craigslist ads to buy our furniture. We currently...

Want to Start a Home Business? 3 Things You Need

The recent recession, and the current concern over what’s next for the economy have many people...

The Best Credit Score to Buy a Car

When you go to buy a car, you want to get the best deal. While getting a good deal does rely on your...

Credit Card or Debit Card: Which is Better?

One of the biggest debates in the world of personal finance is whether it is preferable to use a credit...

How to Set Up a Joint Bank Account

One of the financial questions you have to answer when you are part of a couple is this: Should we open...

What are Taxes, and Why Do We Need Them?

Photo by DonkeyHotey Last week, many of us paid taxes, or filed a tax return for taxes overpaid throughout...

What Is Private Mortgage Insurance? (PMI)

Carrying a mortgage is customary for most homeowners. It’s rare indeed when someone can actually...

The Top Twelve Investing Mistakes

Photo by photosteve101 Mistake # 1. Buy and hold mutual funds This strategy lost money over the last...

12 Different Taxes That Americans Pay

Source: http://www.granthammond.com 1) Income Taxes Whenever some one things of taxes they usually think...

Know Your Taxes – Income Tax

United States citizens are responsible to pay a yearly income tax based on their taxable income, which is their net income minus...

Know Your Taxes – Corporate Tax

Much like individuals are charged income tax on their income, businesses are charged corporate tax on their net profits.  Businesses...

Know Your Taxes – Currency Conversion Tax

Currency conversion taxes are those taxes utilized in the financial sector for financial transactions as opposed to taxes on consumers...

Know Your Taxes – Excise Tax

Excise taxes, also known as indirect taxes, are those charged to the manufacturer on the production of items for sale with the...

Know Your Taxes – Ad Valorem

Ad valorem taxes, from the Latin, according to value, are ones that you must pay on the assessed value of real estate and other...

Know Your Taxes: Consumption Tax

Consumption tax is a tax on goods or services.  In the United States, consumption taxes have an important place in American history;...

Last minute Tax Tips

Here are some quick last minute IRA and general tax tips: •       It’s not too late to get 2011 Tax Returns- If you fund...

Know Your Types of Taxes – Expatriation Tax

The United States government, unlike other governments, expects its citizens to pay U.S. taxes regardless if the citizens lived...

Tax Breaks for Home Owners

If you are a home owner, you may enjoy having your own place and yet feel overwhelmed with the financial responsibility.  While...

Job Hunting? You May Be Able to Get a Tax Deduction

In this economy, many people are job searching, which can be expensive.  Between paying for resume quality paper, mailing out...

How much money does it take to be happy?

According to a recent survey by WSL/Strategic Retail, most Americans believe it takes $150,000 a year to buy what they need, afford some extras, and save too. This salary is more than three times the national median salary of $49,445 in 2010, and it’s enough to put a household into the top 10% nationally. However, according to a 2010 study by Princeton University’s Woodrow Wilson School, a person only needs a salary of $75,000 a year to be truly happy. This is only half the salary which most...

How to Find Online Coupons for Your Favorite Restaurant

Americans love to eat out.  Good Morning America reported recently that “In 2010, the average consumer spent $2,505 when eating food away from home, according to the United States Department of Labor.”  That is over $200 a month spent just on eating out.  Like any fat category in your budget, the dining out category can be curbed without sacrificing quality.  Finding online coupons for your favorite restaurant is surprisingly easy.  Try these strategies:Use your Facebook account.  If...

Top Four Budgeting Apps to Keep Your Finances on Track

Pageonce If you are like most people, you have a smart phone or an IPad or something similar. Why not put these savvy technological devices to work for you by using apps that will save you money. Top Budgeting Apps 1. Your Bank’s App – FreeNow that businesses have upgraded to the 21st century, it is very likely that your bank has a free downloadable app. Having your bank’s app installed on your smart phone or computer can help you keep track of your finances at the touch of a...

How to Transfer Money Between Banks

You may need to transfer money between bank accounts if you have money in two different banks.  There are several ways to do this beyond the obvious of driving to one bank, withdrawing the money and then depositing it at the other bank.  Which way works best for you depends on how quickly you need the money and how much money you want to spend to transfer the funds. U.S. Mail.  This is the simplest method; just mail a check from one bank to your other bank and wait for it to be deposited and the...

5 Great Ways to Stay Away from Your Savings Account

If you’ve considered dipping into your savings in the past few years of economic hardship, or if you’ve actually had to do so, then by no means are you alone. Since the onset of this recession, many American families have had to make tough decisions regarding the use of savings/emergency funds that they haven’t wanted to make.  But regardless the size of your savings, or how’ve you’ve attained them, whether it be with consistent budgeting efforts or with the help of that injury attorney who...

5 Ways to Cut Your Budget Before You Cut Your Cake

So you want a luxurious, elegant wedding on a Budweiser budget? Don’t worry; it is easier than you think! There are several ways that you can plan the wedding of your dreams without getting a second job or going into debt. The main way you will save money on your wedding is if you prioritize. What are the most important aspects of your wedding? What are the least? By prioritizing, you immediately know which areas you need a little more money, attention, and creativity. The other details of the...

Is it okay to hire a cleaning lady when you have debt?

My husband and I have been living in our new place for almost three months now and we have still been unable to create a standard cleaning schedule. It used to take me a couple of hours, tops, to clean our 400 sq. ft. shack, but now it takes me at least a solid several hours (I’ve never actually cleaned the whole place top to bottom in one swing) to clean up all 1100 sq. ft. of our two-bedroom, two-bath townhome. There’s the kitchen, the laundry room, the bathrooms, the bedrooms, and the living...

How a Family of Two Can Save By Shopping at Costco

The majority of my friends are young, married couples, with no plans of children in the near future. When I recommend shopping at Costco, they never seem convinced that the right approach to Costco could actually save them money. I mean, isn’t Costco for those people with six kids? Starting off with the membership. I recommend the Executive Membership above all else. Don’t let the $100 price tag frighten you. For most couples, this price will pay for itself through the free towing benefit it...

How to Avoid Check Bouncing Charges

If you write a check or pay a bill electronically from your checking account but do not have sufficient funds to cover that check, you will be charged a non-sufficient funds (NSF) fee which often ranges from $20 to $30, depending on your bank or credit union.  In addition, the person you gave the bounced check to will likely incur a fee that they will pass on to you.  One bounced check can easily end up costing you $30 to $50.  Have several NSF checks, and you could be looking at several hundred...

Everything Finance Monthly Round Up – President Obama, The Comedian

Did you watch the White House Correspondence Dinner?  We might have knew President Obama had a sense of humor, but who knew he was such a comedian?  His opening act was so good, the jokes so funny, and his timing spot on that he put the professional comedian, Jimmy Kimmel, to shame. Around the web, I have been reading some excellent personal finance articles.  Here are some of my favorites: A man is just supposed to instinctively know what engagement ring his girlfriend would like, but as Jana...

How to Transfer Money Between Banks

You may need to transfer money between bank accounts if you have money in two different...

5 Great Ways to Stay Away from Your Savings Account

If you’ve considered dipping into your savings in the past few years of economic hardship,...

How to Avoid Check Bouncing Charges

If you write a check or pay a bill electronically from your checking account but...

How to Open a Bank Account

Opening a bank account is a rite of passage for any teenager who is earning income. ...

2 Easy Ways to Save Money and Pay off Debt

There’s always an excuse for not saving money or paying off debt. But saving money...