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.

Do not regret growing older. It is a privilege denied to many - Unknown.

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money.

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Is The Country Known As The U.S. Financially Governable?

Thursday, February 18, 2010, 12:25 AM | 1 Comment

The title for today’s post is part of a statement given by G. William Hoagland, who was a fiscal policy adviser to Senate Republican leaders and a witness to past bipartisan budget summits. “These days I wonder if this country is even governable.” On Feb. 15, 2010, Senator Evan Bayh of Indiana – son of […]



Stop the Abuse: It’s time to break up with your Big Bank

Saturday, January 16, 2010, 4:07 AM | Leave Comment

One of my favorite TV hosts, Bill Maher, who keeps making excellent comments on politics and religion, among other subjects, has written an article on big banks on huffingtonpost.com. I have been following his shows for quite some time now. But this is the first time I read his article about banks and big banks […]



Consumer Spending Is The Backbone Of GDP

Monday, January 4, 2010, 6:58 AM | 2 Comments

Gross Domestic Product is commonly known as the GDP of a country. Economists and finance experts say that the main engine of the U.S. economy is consumer spending which accounts for two-thirds of the GDP. So let’s say nobody buys anything – I mean nothing at all – the U.S. economy might collapse. It might […]



Interest Is The Backbone Of Modern Economy

Saturday, December 5, 2009, 6:00 AM | 2 Comments

In modern world, especially the Western world and Japan, interest rate is considered the backbone of modern finances and that includes your family finances as well. It affects and impacts us all in every walk of life. Individuals and families ought to understand its importance. In the following post, I have attempted to explain what […]



Who will dominate the growing online shopping landscape?

Wednesday, November 25, 2009, 8:01 AM | Leave Comment

It seems that the biggest online stores are heavily competing against one another on price and shipping & handling cost. Case in point: Wal-Mart and Amazon. The battle for your wallet began last month over the prices of popular new books and DVDs. It has since spread to select video game consoles ($199 for the […]



To Verizon President: You Need To Work On Customer Service

Monday, November 23, 2009, 7:02 AM | Leave Comment

As far as we are concerned, Mr. Verizon President, your customer service stinks. You need to work on it. You guys don’t have the foggiest idea what customer service is, let alone provide at least some decent service to its customers. Verizon has become such a big company that it now is at par with […]



Go Ahead Back Up. Hey Man! Make Up Your Mind

Saturday, November 7, 2009, 9:56 AM | 5 Comments

Our parents told us and in turn we have been telling our kids to save. My son who just got a part-time job in a finance and invest company four weeks ago is spending his money from left to right. I keep telling him he’s gotta save the bulk of his earnings because he has […]



So The SEC Does Have An Inspector General

Tuesday, November 3, 2009, 6:22 AM | 1 Comment

The Inspector General of the entity called the “Security and Exchange Commission”, better known with its acronym SEC, went in the house where Bernie Madoff is staying and had a talk with him, an interview. I think the house is called a jailhouse. The interview has been released in which Bernie Madoff explains that he […]



Use ATM to deposit your check

Wednesday, October 28, 2009, 6:34 AM | 1 Comment

My son is going to college but he recently got a part-time job at an investment and financial company local to where we live. Monday he started his 4th week. Payroll was late in paying him his first check so at the end of his 3rd week, he got two checks. On Saturday, I gave […]



Tips to maximize your high-mileage vehicle

Thursday, October 22, 2009, 9:20 AM | Leave Comment

Those days are gone when one more mile on 99,999 would bring the odometer back to zero. Remember the “nigh” in conversation as late as the 1980s. Today, odometers roll off the miles well into six figures and casual use of “nigh” is no more. We just take it for granted that any vehicle we […]



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