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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Ways to Effectively Manage Your Finances

Thursday, July 5, 2012, 2:00 AM | Leave Comment

Today it’s been hard to find good news at all about the economy, stock markets, home values and jobs. People are struggling to find work and pay mortgages they can no longer afford. Retirement accounts keep going down, groceries keep going up, businesses are closing and we see layoffs every day. The bottom line is […]



3 Ways To Build Better Financial Life

Wednesday, June 20, 2012, 2:00 AM | 2 Comments

The economic conditions in the U.S. is quite bleak. Unemployment is still high and is over 8%. In many neighborhoods across the country, home prices keep falling. The stock market is quite sluggish. Under these circumstances, many households don’t think about getting rich. They are happy to just get by with what they have. According […]



Conducting A Financial Fire Drill And Living It

Thursday, May 17, 2012, 2:00 AM | 3 Comments

You know, we all dream, dream about something. Most of us dream about winning a lottery to become financially independent. We seldom think about working harder and smarter for money. But, there are ways to make money through your instinctive smartness which everyone possesses, being a member of the human species. The old adage “A […]



Tips To Enjoy Your Next Trip To Queens, NY City

Monday, May 14, 2012, 2:00 AM | 1 Comment

I lived in Queens, the lesser known of New York City’s five boroughs in the 1970s. But once in a great while, we still visit Manhattan and Queens. Recently we visited Queens and stayed with our relatives in Flushing for four days. That was in December of 2011. I showed my kids the place where […]



Don’t Drive With Your Brain All Cluttered

Wednesday, March 14, 2012, 2:00 AM | 4 Comments

When I go on the highway, I see too many drivers talking on the phone, some with holding the phone in one hand, others talking on hands-free phones. Laboratory experiments using simulators, real-world road studies and accident statistics all tell the story: drivers talking on a cellphone are four times as likely to have an […]



Personal Finance Tools On The Web

Friday, February 10, 2012, 2:00 AM | 5 Comments

Personal finance is still one of the biggest issues on peoples’ minds these days. Just as the desire for prepaid cards no fees won’t soon be going away, neither will apprehension over personal finance. Fortunately, a number of online businesses have risen up to offer powerful financial planning services. The following four programs can help […]



11 Steps To Get Your Finances In Order

Thursday, February 9, 2012, 2:00 AM | 2 Comments

The bad economy keeps dragging its feet and pulling down the pants off of our personal finances. Needless to say these are uncertain times which makes it essential to update our financial plans this year, next year and every year that comes along while we are still living. It’s more crucial now than ever to […]



The Euro Debt Is Big But Personal Debt Can Feel Bigger

Friday, February 3, 2012, 2:00 AM | Leave Comment

Whole nations are bringing in austerity measures following the financial crisis and the Euro debt crisis, but how does this relate to the man on the street? Many people are in a dire situation with their finances – wage increases aren’t keeping up with the rate of inflation, which peaked at 5.2% last year in […]



Understand Your Medical Bills

Friday, September 9, 2011, 2:00 AM | Leave Comment

A couple of months ago, I went to the hospital with a family friend who was sick. He was admitted and was inpatient for two days. When he got back home, medical bills followed him after a couple of weeks. At first, he thought it would be just one bill and he and his insurance […]



Understand Personal Finance And Live Within Means

Friday, July 1, 2011, 2:00 AM | Leave Comment

In school, and I don’t mean just high school – try elementary – we have begun to talk about sex. In some schools, we have been talking about sex to children for some years now. We have yet to talk about personal finances to our kids. I hear a lot about people not having enough […]