Is it Worth it to Pay 0% interest debt?

Published on Jul 26 2013 // Debt, Loans, Student Loans
Over the last three years, my husband and I have been working diligently to pay off $45,000 of debt that we had when we first got married. The debt was a combination of a car loan, credit cards, and student loans. After working hard to pay it off, we have $1000 left of the original debt, and another...

So You’re buying a house…

Published on Mar 20 2013 // Housing Market, Real Estate
Congrats! Good for You! I’m really excited for you, truly. The process of buying a home can be really stressful. You’re going to swing and miss on more houses than you can count, but the only thing that matters is finding that perfect house. There are a few things that you should know before putting...

Quit smoking and become a millionaire

Published on Feb 01 2013 // Savings
Quit smoking and become a millionaire
Image Source: Flickr User Qfamily A recent study has shown that under certain circumstances the average smoker who quits around age 20 could quite easily become a millionaire by the time they reach retirement age. Paul Claireaux, writing for the Investor’s Chronicle, has produced figures which show...

Peer to Peer Lending Versus CDs

Published on Sep 27 2012 // P2P Lending
We’ve spent some time talking about finding ways to earn more money. Now, let’s look at some vehicles for saving and investing. For quite some time, I’ve been investing in CDs. The appeal for me has been that I blocked my own access to the money, so I wouldn’t be tempted to spend it. Hence the...

Know Your Types of Taxes – Expatriation Tax

Published on Feb 15 2012 // Know Your Taxes, Taxes
The United States government, unlike other governments, expects its citizens to pay U.S. taxes regardless if the citizens lived and earned their income in other countries.  If you live abroad for a year and make a living in another country, you are responsible for paying taxes to the United States on...

How to Claim the Adoption Tax Credit

Published on Jan 18 2012 // Taxes
Did you adopt a child in 2011?  If so, you know how expensive and time consuming the entire adoption process can be.  However, to offset some of the costs, you are eligible for the adoption tax credit, which was to be phased out in 2010 but has now been expanded and extended thanks to the Affordable...

Good News in the U.S. Housing Market

Published on Dec 19 2011 // Housing Market
The U.S. housing market might have some good news, Reuters reported on Sunday. It seems that for the first time since 2005, U.S. residential construction might be expanding a little next year. It might, in turn, add a little to GDP growth in 2012. It would add not much, of course, but it would complement...

The Cost Of Living in the U.S Fell in October

Published on Nov 17 2011 // Cost of Living
As Reuters reported earlier this week consumer prices fell in October. It means that the cost of living unexpectedly fell in the U.S. last month. It could be a sign that at least some of the inflationary pressure is starting to subside. For comparison purposes: a year ago overall consumer prices rose...

Disadvantages of Investing in Treasury Bills

Published on Aug 29 2011 // Investing
Disadvantages of Investing in Treasury Bills
Many people like investing in Treasury bills because they are generally safe, when compared to other investments. Indeed, even with current economic troubles, Treasury bills are still backed by the most stable taxpayer base in the world. As a result, it is relatively easy to feel confident went investing...

How to Invest During Inflation

Published on Jul 25 2011 // Investing
How to Invest During Inflation
Inflation is an almost-silent eroder of your wealth. Inflation represents a rise in prices; it’s a decline in your purchasing power. One of the goals of your investing plan should be to beat inflation. Many estimates put average annual inflation over a long period of time at about 3% annually....

Personal Finance 101: Home Food Storage

Published on Mar 14 2011 // Finance 101, How To Guide
One of the personal finance issues seen with increasing frequency lately is that of food prices inflation. Another concern that may have you wondering about the state of your finances, and your level of emergency preparedness is related to the recent disasters that seem to be all over the news. There...
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