Beware The Professional Credit Card Tactics

Tuesday, August 31, 2010, 7:50 AM | 19 Comments

Recently, I received a couple of solicitations for a “professional card.” I didn’t know what it was so I did some research online and came to know that this type of card is not covered under the Credit Card Accountability and Responsibility and Disclosure Act of 2009, better know as CARD Act. It is also […]



Tips To Identify Stock Market Phases

Monday, August 30, 2010, 8:38 AM | 8 Comments

In this post, we identify stock market four phases after we identify a typical economic cycle. If you have a job and are gainfully employed [more than 90% have jobs], you should save some money for investing. The equity stock market has proven to be, time and again, one of the best investments and has […]



Basics Of Investing Still Apply When Markets Are Down

Friday, August 27, 2010, 8:07 AM | 17 Comments

Have a long-term strategy whether the markets are down or up. The markets get to be on the rise when investors keep buying into it, and is termed a bull market. When they start selling – for a variety of reasons, mostly due to panic – the markets start coming down, and is termed a […]



What’s It With Cloud Computing – Cut Costs

Wednesday, August 25, 2010, 8:54 AM | Leave Comment

If businesses of any size desire to cut their costs on using today’s latest and greatest technology, then one alternative – and a best one at that – can be cloud computing. Big companies have presumably been riding the cloud bandwagon for sometime now. It’s time that small businesses should follow the trend as well. […]



Five Outdated Items On Your Resume – Remove Them

Monday, August 23, 2010, 9:21 AM | 3 Comments

Employers have changed their tactics over the years for hiring. Accordingly, resume writing has come a long way in changing its face. Not only the format has changed but the content on it is not what it used to be. Some formats are considered by today’s standard outdated. We all know a good resume can […]



Family Needs Less Spending – Economy Needs More Spending

Friday, August 20, 2010, 7:43 AM | 1 Comment

Economists tell us to spend more to help the national economy get out of stagnation and help it grow. Personal finance experts tell us to spend less, pay off your debt and save more for your family and your retirement. Investing should follow savings with complete risk management on your part. Setting Your Financial Priorities […]



Save Money By Choosing Good Physician

Thursday, August 19, 2010, 9:38 AM | Leave Comment

When you choose a physician for your family, do you actually research for the doctor’s accreditation and other qualifications? Bedside manners may be important to most – communicating well with patient, not looking down on you like you are a piece of s***. You can get to know and feel about the doctor’s behavior on […]



Reverse Mortgage vs Line Of Credit

Wednesday, August 18, 2010, 7:38 AM | 1 Comment

For so many years, we have been watching advertisements, featuring mostly Hollywood celebrities, spreading the word of reverse mortgage. It’s not for every retiree though. Who can take advantage of it? Those who are equity-rich but cash-poor can benefit from it. They can continue to live in their homes and generate extra tax-free cash flow. […]



Problem With Carrying Debt Into Retirement

Tuesday, August 17, 2010, 6:51 AM | 2 Comments

Recently a new concept has been created that it’s OK to carry debt into retirement, including home mortgage. There is a big problem with that. Your income is a lot less than when you were working full time. You must service your debt, there is no way out. If the debt is at the proportion […]



Tax Advantages of HSA Save You Three Ways

Monday, August 16, 2010, 1:06 AM | Leave Comment

Health Savings Accounts, HSAs, are a good long-term savings vehicle because of their significant tax benefits. When used for qualified health care expenses, HSA offer a triple tax savings: Contributions are tax deductible Grow tax deferred Can an be withdrawn Federally tax free unlike withdrawing from IRA or 401(k) accounts. If your employer offers you […]



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