by Patricia Walling
Every year there are millions of Americans who struggle to afford health care. This can be due to insurance companies raising premiums, but there can be other reasons too. For example, many people who are either unemployed or self-employed (such as per diem nurses or those in other health care professions like medical coding) are unable to get the discounts that many companies offer to their employees. Many
Continue reading How to Choose a Reasonable Health Care Plan on a Budget
This past weekend, the Honeybee and I had one of those conversations that most couples who are married long enough tend to have from time to time. But that didn’t stop our 11-year-old daughter Nina from shaking her head in complete amazement after overhearing it anyway.
Although I can’t remember the exact words, the discourse went something like this:
“Hey Len, did you happen to take the –”
“So can I assume
Continue reading Why Married Couples Should (and Should Not) Share Their Finances
If you’re like me, you never ever give your credit cards a second thought. However, after recently getting stuck in a supermarket line behind a nice lady who decided to pay for her groceries with a giant bag of loose change, I developed a new-found appreciation for their convenience.
Heck, nowadays I use credit cards to pay for almost everything. Naturally, I also make sure to pay off my balance in
Continue reading 18 Amazing Facts You Didn’t Know About Your Credit Card
Your credit score is one of the most influential factors when it comes to your ability to achieve approval for a loan or credit card. In addition, your credit score can impact employment and ability to obtain insurance, as well as your living accommodations.
There are many consequence of having bad credit, and it takes time to reestablish your credit worthiness with creditors. You’re going to have to prove that despite
Continue reading Quick Tips for Restablishing Your Credit
If a little is good, then it follows that more must be better. Well, okay, maybe not all the time.
For example, this extreme couponing craze has really got my goat. (And up until recently I didn’t even know I had a goat.)
Don’t get me wrong. I use coupons whenever the opportunity presents itself. After all, it often makes good financial sense to clip coupons to save money on
Continue reading When Good Personal Finance Practices Go Too Far
by Gayle B. Tate
We have all seen difficult times, so that’s nothing new.
My wife and I started our business at exactly the wrong time. Although we established it in 1967, we opened our first brick and mortar operation in 1972. Within a year, the “big recession” of ’73 began.
Some of you might remember when you had to wait in line for hours to get gas for your car? Well, while
Continue reading The High Cost of Being Poor (and How to Vanquish It)
We tend to give “luck” far too much credit for people’s good fortune. Likewise, we often blame our own personal misfortunes on bad luck. While it’s true that luck is often due to pure chance, more often than not it’s the result of something we actually can control: our mindset. That’s why it’s no coincidence that the “luckiest” people tend to be optimists who are, by
Continue reading 100 Words On: Why Luck Is So Overrated
Sometimes things in life aren’t always as you might reasonably expect them to be. Many things actually defy all sense of logic.
For example, several years ago, a reasonable person watching Justin Bieber sing on a city sidewalk for spare change would most likely assume the kid wasn’t destined for much success in the music business. Of course, that assumption turned out to be totally incorrect, as he is now a
Continue reading 14 “Dubious” Personal Finance Moves It’s OK to Do. (Really!)
Don’t fall into the trap of thinking that one has to be “rich” to attain financial freedom. There are lots of people earning millions per year who aren’t financially free, just as it’s also true that there are folks earning less than $40,000 annually who are financially free. The latter case is more common than you might think because financial freedom doesn’t depend on money so much as it relies
Continue reading 100 Words On: Why Financial Freedom Requires Very Little Money
When it comes to matters of personal finance, trying to find the optimal solution can be counterproductive simply because many decisions don’t require extensive research. One of the best examples of this is when comparison shopping for a certain product or service. Typically, a modest survey of three to five samples is all that’s necessary before enough information is available to make an enlightened decision.
The bottom line: Whether you’re choosing
Continue reading 100 Words On: When Financial Perfection Is the Enemy of Good