Can You Live a Cash Only Life?
This may sound like a silly question but credit card companies would lead you to believe it is not possible to live a cash only life. Their marketing teams push hard to make us believe life without a credit card …
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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 live in a shack and are upgrading to a two-bedroom townhome, so we need items to fill up the space, but we’re still …
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 wondering how they can make their finances a little more secure. One way to do this is to improve income diversity with the help …
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 card or a debit card. Of course, there is no standard answer. As with all issues in personal finance, whether …
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 a joint bank account? The answer, of course, has largely to do with personal preference. My husband and I …
What Is Private Mortgage Insurance? (PMI)
Carrying a mortgage is customary for most homeowners. It’s rare indeed when someone can actually pay cash for a house. It’s generally hard enough to come up with the money for a down payment. In fact, it’s not all that …
The Top Twelve Investing Mistakes
Mistake # 1. Buy and hold mutual funds This strategy lost money over the last 10 years. ETFs, Modern Portfolio Theory and semi-annual rebalancing worked beautifully. You were able to capture gains of NASDAQ 2000, real estate 2005, clean energy …
How much should your Monthly Mortgage Payment be ?
An article on Yahoo has this interesting piece of information about how much should you spend monthly on your mortgage. Mortgage lenders have tightened standards recently. But consumers still have the potential to get approved for a bigger home loan …