Learn to live within your means and be debt free. Increase savings, invest to grow your money for retirement. Watch out for scams, scums and the schmucks of the financial world. Get more information from books and seek help from financial advisers.

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Follow Your Needs When Planning Monthly Expenditure

Saturday, May 12, 2012, 6:00 AM | Leave Comment

If you buy because you need something, then you don’t need to develop a budget for your income and expenses. Like following your next diet, budget can be followed for a month or two and then most folks stop following it. Before you get some fruits of your work budgeting, you have already quit following […]



Tips How To Eat Out For Less

Thursday, May 10, 2012, 2:00 AM | Leave Comment

When I was living in New York City in the 1970s, a restaurant by the name Nirvana opened on the 15th-floor of 30 Central Park South. (between 5th & 6th Avenues.) Founded by Shamsher Wadud, Nirvana was America’s oldest Indian restaurant. It closed its doors permanently in 2002. Eating there cost you $99 a person […]



Tips For Using Online Coupons And Discounts

Tuesday, April 17, 2012, 2:00 AM | 1 Comment

In the age of Internet and the availability of almost everything online, vendors still send newspaper fliers to household across the country. Businesses online have come along way and I am sure coupons and discounts will continue to flourish in the seemingly unlimited landscape of the Internet. Newspaper fliers are fine, but a good thing […]



Use Twitter To Get Customer Service Response Fast

Monday, April 16, 2012, 2:00 AM | Leave Comment

Better personal finances don’t just mean to spend less and save more. Many consumers have problems with customer service of a company. If you are not firm and have not done your home work, you might lose out on paying extra for the merchandise you bought. Case in point: Rebates which are not given out […]



Links To Unclaimed Property Help

Thursday, March 29, 2012, 2:00 AM | Leave Comment

For the do-it-yourself research, you can directly search in a state Unclaimed Property database. You can also get help using certain websites that exist for the sole purpose of helping you find your intangible assets as well as what’s inside your Safe Deposit Box (SDB) you may have rented. The following is a list of […]



Unclaimed Property State Offices and Contact Links

Wednesday, March 28, 2012, 2:00 AM | Leave Comment

Unclaimed property refers to property being held by an organization that has not had contact with the owner for an extended period of time. Property is usually considered unclaimed generally after three years, when it is turned over to the state. Banks, retailers, credit unions, utilities, corporations, insurance companies, and governmental entities are some of […]



Tips To Save Money While Spending

Friday, March 23, 2012, 2:00 AM | Leave Comment

When I first migrated to the U.S. in the seventies, one of the first things I heard was that America was built on spending. And some economists still say that openly even though telling this kind of thing to many Americans who lost their jobs, their homes and such is, in my opinion, downright cruel. […]



You May Have Unclaimed Deposits With NCUA

Tuesday, March 20, 2012, 2:00 AM | 2 Comments

If you had account with a Federally Insured Credit Union and the institution has been liquidated, then National Credit Union Administration (NCUA)’s Asset Management and Assistance Center (AMAC) is responsible for paying the share accounts to the members. It just so happens that you may not have received your share of the deposit due to […]



Pure Drink May Be Pure Hype

Tuesday, February 28, 2012, 2:00 AM | Leave Comment

According Wikipedia, worldwide sales of bottled water is around $60 billion. U.S. sales reached around 34 billion liters in 2008, a slight drop from 2007 levels. According to The Natural Resources Defense Council (NRDC), more than half of all Americans drink bottled water; about a third of the public consumes it regularly. Sales have tripled […]



Coupons Hurt Financially If You Don’t Need What You Buy

Monday, February 27, 2012, 2:00 AM | Leave Comment

Coupons will hurt you in your pocket just because you have clipped a coupon and used it to buy what you didn’t need in the first place. I like to clip coupons but I do so of the things that I really need. Even without coupons, I would buy the merchandise anyway. With coupon I […]