America is busily preparing for the expected rise in retirees as more baby boomers exit the workforce each year. As such, many of our financial gurus are gearing up to help educate and prepare this segment of our population towards maintaining financial solvency and independence for longer periods of retirement. Preparing your budget for your...
Getting Your Budget under Control If you are like most people, your budget could use a little tightening; your credit cards need to be locked up, and your debit card could use a rest. The first step to getting your budget under control is to keep track of your income and expenses, so you know...
With more and more people going into business on their own the pot of money available to start-ups is getting increasingly hard to access. And with the odds of a start-up business failing within five years somewhere in the region of 75% it is clear that most investors and financial institutions are going to be...
Arguments about the family budget; maybe they happen during the monthly or yearly budget committee meeting (you are having those aren’t you?), or maybe they happen at dinner just before bed. Regardless of when they happen or where they occur, these disputes always seem to result in mudslinging worthy of a heated political bout. The...
How did your parents manage their money? If you are not sure, chances are good that your parents did not have a strong impact on the way you are living and spending (or saving) money today. However, you may not realize that what your parents did with money really did impact your own lifestyle choices....
At a glance, you would think that a couple that keeps its finances separate would have less to fight about when it comes to money issues. Research has indicated that just the opposite is true. Keeping all of a couple’s finances separated can lead to more misunderstandings in the long run. Separate Accounts can Mean...
Walmart has the largest client base in the United States for its reasonably priced goods and good services. Most of Walmart’s operations are directed towards the local customer who uses cash to purchase groceries and other items. It is the world’s largest retailer in the US due to the numerous branches in different states and...
Putting some money aside for savings is a really important and smart idea. It’s so easy to get caught up in our everyday lives. We need to do everything we can to keep on top of our regular finances, such as a checking account and paying bills, but we all know in the back of...
Budgeting isn’t fun, and the very idea of it has discouraged most of us from even trying. However, having and following a budget is essential for our future, and easy when you know how to do it. Savings offer both instant and long-term rewards. Whether you already have a budget that isn’t working out for...
Since the devastating recession of the American economy in the winter of ’07-’08, the battle cry of the average, hard-hit American has been “Cash for Gold!” This catchphrase is heard and seen everywhere and has become deeply ingrained in our subconscious. What advertisers tend to do, however, is to robotically repeat the same lines about...