Retirement Plans Aren’t Where They Should Be – What Should You Do?

Personal finance blogs, financial media, and financial advisors are awash and plentiful in advice on how to build the biggest retirement portfolio possible. But despite the subject’s incredible popularity, real world application isn’t living up to the hype. The numbers on 401(k) plans – the cornerstone of self-directed retirement planning – are not encouraging. A […]

How to Buy a Car with Bad Credit and No Cosigner

Can you buy a car with bad credit and not have to use a cosigner? The answer is yes, however it is not nearly as clean and neat as buying a car with a conventional loan. You have to use your imagination, and prepare for a less comfortable situation. Here are some options: 1. The […]

What Investments are Tax Free?

What investments are tax free? Probably at least a few more than you think. Especially when you consider that where you have your money easily has the biggest impact on what is free of taxes and what is not. Let’s look at tax-free investments in the usual – and not so usual – places. 1. […]

What to Do if You’re Having Trouble Paying Your Student Loans

We’ve all heard it said that student loans cannot be discharged in bankruptcy, so what do you do if your financial situation is a wreck – or if you’re unemployed – and simply don’t have the money to repay? There actually are a couple of ways to manage the situation even if the bankruptcy option […]

5 Home Maintenance Projects to Save You Money

It’s often said that when money is tight, maintenance is the first thing to go. When you own a home, skimping on maintenance in any way can lead to bigger – and much more expensive – problems later. Home maintenance truly comes within the old saying, an ounce of prevention is worth a pound of […]

Good Investments in a Recession

Are there truly any good investments in a recession? On the surface, that may even seem like a ridiculous question. After all, recessions are characterized by falling asset values – stocks, real estate and even bonds can fall in price. So why would you want to be in risk type investments at all during a […]

Why Income Security is the New Job Security

Until about a decade or so ago, employees were heavily concerned with job security. It’s not that that’s no longer a concern – it’s just that it’s so much harder to come by now. For this reason, income security has become the new job security. If it’s impossible to be guaranteed a job, then the […]

Why Catastrophic is Better than No Health Insurance at All

A lot of people are turned off by the very mention of catastrophic health insurance. It may be that some see it as inadequate coverage, while others see it as a mystery concept filled with unimagined traps. But is that the real truth? In most cases having catastrophic is better than having no health insurance […]

How to Make Your Side Business a Success

A lot of people have – or would like to have – a side business to make some extra money. The prospect of turning it into a full-time venture is always there, but not everyone wants to quit their day job to become a full-time entrepreneur. If that’s what you want to do, what can […]

Why Debt Consolidation May Not Be Right for You

Debt consolidation has become a favorite way to deal with high levels of debt, and this is especially true for credit card debt. The basic concept is simple: roll several high interest credit card debts over into a single, low interest consolidation loan. Generally, the monthly payment on the consolidation loan is substantially lower than […]

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