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Category Archives: Tips & Warnings

How to Build an Excellent Credit Score & Ways to Repair a Bad One

Having a great credit score is vital to saving money and creating better financial opportunities for yourself. Credit scores are a reflection of your financial accountability and responsibility. Thus, businesses, lenders, banks, credit companies, investors, insurance companies, utility companies (cell phone, internet, cable, gas, electricity, and water companies) even employers and land lords may be

How to Get Rewarded for Drinking Water

  My family has a boathouse on a lake nearby that we have been visiting at least few times a week this summer. We love going there to water ski, wake board, tube, swim, and play in the sand. With the summer heat being so strong, we are always trying to keep the kids hydrated

What Are the Best and Safest Types of Investments

Since starting my blog, I have seen all sorts of comments and reactions to investing advice… some have been quite heated. I have been asked about the safest and best places to invest. And I’ve even been scorned or told that I was wrong about certain ideas. So why is there so much confusion or

The Difference Between Good and Bad Debt

There is a difference between bad debt and good debt. Most everyone reading this will relate to consumer debt. It’s the debt that comes from buying things, from paying bills, etc. Investment debt is debt used to pursue a venture (opening a business, flipping a property, etc.) that will yield you profit. And although Dave

How to Get Out of Debt

Most Americans are in quite a bit of consumer debt. Consumer debt (also known as bad debt) is accrued by purchasing items that you don’t have the money to pay for. Living a rich life (materially and non-materially) requires that you have financial peace of mind. Financial peace of mind cannot come when you don’t have

Why & How a Daughter & Granddaughter of Multi-Millionaires Was Taught to Be Frugal

  In psychology they have found and continue to prove that at the roots of our thought and actions are beliefs that we formed quite strongly while we were young. Psychologists call this your family origins. And while I’d like to think that it is not really the case (I like to be individual and

The Pros and Cons of Refinancing

There are many unique situations when people begin to think about refinancing. My first piece of advice is this: Never make any decision before you have spent plenty of time studying, researching, calculating and recalculating the numbers. Don’t just trust what the brokers say (although some may have your best interest in mind); it’s not

How Almost All of Us are Duped Into Paying for Our Cell Phones Twice

I’ve just been duped. Lied to. Cheated…. You may be getting duped as well. Yesterday, I dropped my iPhone 5 really, really, hard on a weird angle and the front split off from the back. It was toast. Totaled. Kaput. So I pulled up my plan and called in for my insurance claim. I had

Top 7 Proven Ways to Get Hired

Before my son was born I was an office and hiring manager at a company. Each time I advertised to hire someone, I received over 100 resumes. I interviewed a lot of people. I’ve learned that there are things that can hinder your ability to be hired. There are also ways to increase your chances of getting

9 Ways to Prepare Your Family for Catastrophes, Natural Disasters, Income Loss, and Economic Depressions.

Photo courtesy of the National Archives and Records Administration. I just got off the phone with my grandpa. He is a very humble and kind man, the type of man everyone just loves to sit and chat with for hours. He has a great sense of humor and loves to tell me stories. Today one

Credit Cards- When to Use Them and When to Absolutely Not Use Them

Today I received a question from reader Dani. It inspired me to write this article: Credit Cards- When to Use Them and When to Absolutely Not Use Them She asks, I’m reading that book that lots of people recommend… the Dave Ramsey one. It suggests getting rid of credit cards all together. We have credit cards,

Why You May Be Getting Scammed Through Your Mailbox and How to Avoid It

I usually am always filtering out scammers in my mailbox, but recently that “filtering” caused me to accidentally throw away $1,604.73! I brought in the mail a few days ago. First, I opened what looked like a check from the outside of the envelope. It was not marked and I was thinking to myself, this could

3 Secrets to Save $102,533.35 on Your Mortgage…That Banks Don’t Want You to Know About

Two and a half years ago, I was looking at the amortization/debt schedule of my dream home that I was about to buy. It was mind boggling how much money my family would pay in interest over the course of a 30 year loan! Even at the pretty low interest rate we had secured we would end up paying $134,739.01 in interest. That is

Sell stuff on Amazon? DO NOT make these 9 Mistakes!

I have been selling used and new items for over 15 years. Whether the item is old, I couldn’t return it, I got tired of it, or I found a great deal on it and resold it for a profit, the result is that I have been able to make a lot of money by

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