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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Pass on the values of being financially responsible

Thursday, October 1, 2009, 1:36 PM | 1 Comment

Sometimes, for a variety of reasons, grandparents are closer to their grand kids more than the kids’ parents. For the grandparents it’s important to pass on the values and traditions of being financially responsible and to make sure kids understand those values. For instance, they have contributed to the savings accounts of their grandchildren, bought […]

Ever wonder about the numbers on your personal check?

Tuesday, September 22, 2009, 12:22 AM | Leave Comment

A couple of years ago, I wanted to transfer money from my bank to a mortgage company. I usually pay using my bank online paying system. But this time, I was late in making the monthly payment. In order to not having the company charge me late fee, I called the customer service and they […]

Key Steps To Take Before And During Retirement

Tuesday, August 25, 2009, 3:52 AM | 1 Comment

Given the state of this lousy economy, higher unemployment and the market’s recent history, you might be concerned about making your retirement savings last. There are many steps you can take – both before and during retirement – to help get your retirement savings back on track, from carefully reviewing your expectations to readjusting your […]

Managing your finances after your spouse passes away

Monday, August 24, 2009, 5:18 AM | Leave Comment

Death is inevitable. It has to happen. There is no escape. It knows no boundaries in terms of time and age. Two years old or sixty years old have no effect on death. Sometimes, it comes without warning. Losing a spouse is a life-changing event that can leave you feeling emotionally distraught for a very […]

Step-by-Step Understanding of How The Recession Began

Sunday, August 23, 2009, 8:12 AM | 3 Comments

Economists have, sometimes, different explanation of how economy reacts to certain events. A definition of an economist has surfaced: “An economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen today.” – Laurence J. Peter. Many economists have shed light on the current recession. Edgar R. Fiedler has put […]

We must learn lessons from the current recession

Saturday, August 22, 2009, 5:41 AM | Leave Comment

Economists agree now that the current recession began in December 2007. It has been painful for many families across the United States, to say the least. Folks have lost jobs, homes and in many cases their entire livelihood. But despite the economic bad news, a surprising good news has emerged: a significant number of Americans […]

What Has China Got That The U.S. Ain’t Got?

Thursday, July 16, 2009, 6:20 AM | 4 Comments

China’s economy accelerated in the second quarter amid huge stimulus spending and aggressive bank lending, expanding by 7.9 percent from a year earlier as retail sales and industrial output grew strongly, data showed Thursday. The growth rate, reported by the National Bureau of Statistics, was up from 6.1 percent in the first quarter. The government’s […]

Spend Cautiously While Recession Lasts

Saturday, July 11, 2009, 7:37 AM | 1 Comment

Most financial gurus agree that cash is king during any recession. Spend wisely now and you will save a bundle over what things will cost once the fog of the recession lifts. I say fog because our eyesight sometimes become so weak we can’t think let alone see things clearly during a recession. However, don’t […]

Your first obligation is to your loved ones

Tuesday, July 7, 2009, 5:53 AM | Leave Comment

In ethics as in financial planning, we must satisfy our needs first than our wants. We are in the shittiest of deepest recession we have ever been in. [This is the consensus of the economists and financial gurus]. No matter how painful a decision you make, it must be for the overall benefit of your […]

You Are Penniless Because Your Brain Simplifies Complexities

Monday, July 6, 2009, 6:48 AM | Leave Comment

I don’t know much about what Einstein did as far as his research and publishing papers. If he simplified the complexities of the universe in his papers, then it seems now that one side of his brain was dead. If he left the universe alone and let it be a complex universe that we don’t […]