tag:blogger.com,1999:blog-193372532012-01-31T15:43:19.710-05:00Welcome to Strategies for Life. This blog is dedicated to sharing ways to improve your life from finances to health, relationships to family, telecommuting to getting rich. The posts range from making money online to starting a home based business, getting out of debt to saving for retirement. Resources on working at home, paying for college tuition.Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.comBlogger1261100tag:blogger.com,1999:blog-19337253.post-59468281363568013882012-01-04T17:08:00.000-05:002012-01-14T17:14:20.661-05:00

Down 2.5 pounds in 4 days.  Weight Watchers is working.  I have been getting my cardio work outs in at my gym.  I have been a member of Bally's Fitness for over 20 years.  I hadn't been to Bally's in a while since I had my hip replacement back in October.  Anyway, I go to Bally's and it turns out that they have been bought by LA Fitness.  This is a good thing the LA Fitness clubs are all over

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-78382444057851095362012-01-03T16:55:00.000-05:002012-01-14T16:58:09.151-05:00

I like Weight Watchers because it is simple.  The system that I use is around 3 years old.  I also like it because I have found it to be effective, the first time that I did Weight Watchers I inspired at least 5 other people to join because they saw my dramatic weight loss.  I lost 40 pounts in 6 months.  Here are the basics of the Weight Watchers system that I am using. Count points:  I get 29

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-2961857219749321902012-01-01T16:08:00.003-05:002012-01-14T16:48:39.414-05:00

Well it is a new year. Happy New Year! Time for a new set of New Year's resolutions. Weight lose goal: My goal is to loose the same 45 pounds I already lost. At 46 I had my hip replaced on October 5th of last year. Leading up to the hip replacement I got slower and less inclined to work out. So the weight that I lost on Weight Watchers over 3 years ago came back. Of course eating out in

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-38481590446857689642011-02-07T17:01:00.002-05:002011-02-07T17:05:52.084-05:00

Are you getting tired of high gas prices? Feel like there isn't anything that you can do about it. Why not buy the UGA ETF which is suppose to track US Gas Prices. Check out the chart below which tracks the weekly gas prices vs. UGA. A better option might be to buy a call option on UGA. They you would have a leverage bet against gas prices rising this summer. This is something they do every

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-28465632560257887082010-02-06T07:56:00.004-05:002010-02-06T08:21:31.565-05:00

Save money on soap. When you were a kid did you have soft soap in your house or a simple bar of soap? I used soft soap for a while a an adult, my family still uses it, unfortunately. I am a big believer in the old fashion bar of soap for several reasons.Soft soap is too expense. Do a little analysis. Take a look at how many bottles of soft soap you have in your house. What is the price? How often

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-88160544534948217242009-02-26T06:19:00.004-05:002009-02-26T06:29:08.164-05:00

The other day my Garage Door stop working.  The screw drive sections had come apart.  Just a tip that I learned.  Save yourself some money and buy the   Low Temp Garage Door Grease and lube up your garage door parts on a regular basis.  One you will save on repairs and two the garage door is a lot quieter.  The part that I ended up needing was just a little Genie door coupling and clip which is

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-29034606195110198032009-02-26T06:08:00.005-05:002010-02-06T07:55:04.052-05:00

We recently switched over to Vonage phone service. I have really found that it has been a transparent money saving switch for our family. I even have a friend of mine that recently moved to Germany. They still have the same home phone number in Germany. Vonage is around $10 per month cheaper than my old land line and I have unlimited long distance which is great. Because the land line phone

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-76716715522124735732008-05-28T05:42:00.003-04:002008-05-28T05:46:58.049-04:00

Rent vs. Own How Much Can you save?I found a pretty cool interactive tool that allows you to take a look at which is financially better renting or owning.  With today's declining home prices in a lot of areas it really is a tough call.  You have to play around with some assumptions however, I thought it was a pretty cool tool.  Calculate savings of renting vs. owning.  Another big factor that I

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-7449958294277567602008-04-30T21:40:00.005-04:002010-02-06T07:54:34.719-05:00

Save Money On Your Phone BillDo you have huge phone bills? Between home phone, long distance, cell phones, family plans, text messaging, it all gets overwhelming and expensive. Below are my tips on reducing your phone bills.Drop the land line: The first tip to save money on the phone bill is to drop the land line. Some times this can be challenging especially if you have kids that don't have cell

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-29461186830560728322008-04-30T21:11:00.005-04:002008-04-30T21:39:49.609-04:00

Saving Money Reducing Expenses In A RecessionI saw a great article called Recession Diet Just One Way to Tighten Belt in the New York Times. There a ton of ways to save money and reduce your expenses.  Even though our government officially does not state that we are in a recession, most people think we are already in one. Therefore, most people are think of ways to save money.  Here are some

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-14689348738945227532008-03-20T05:50:00.005-04:002008-03-20T06:05:16.250-04:00

How to calculate net worth, how do you compare to othersI ran across a cool little tool to calculate where you stand relative to you peers in regards to net worth?  Do you ever wonder if you are saving enough or if you are on the right track.  This net worth tool will compare your income, total net worth vs. other people in your age bracket.  Pretty cool little net worth tool.Check out this video

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com1tag:blogger.com,1999:blog-19337253.post-65149979973199971582008-03-04T14:27:00.002-05:002008-03-04T20:58:10.161-05:00

20 Ways to Save More MoneyI found and excellent ariticle over at Kiplingers magazine on 20 ways to save. Below is the article along with my comments.You've heard of the saving crisis in America. You've probably even thought, 'yeah, I should probably save more.' But eking out an existence is tough on a starting salary and sometimes comfort takes precedence over cutting corners. Besides, if you can

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com1tag:blogger.com,1999:blog-19337253.post-11976907430257577002008-03-02T16:32:00.003-05:002008-03-02T17:14:32.037-05:00

Reverse Mortgage Troubles and Caution and how to avoid themI found and interesting article in the New Your Times called Tapping Into Homes Can Be Pitfall for the Elderly here is what the article said along with my comments.Erika Baker was 67 years old, divorced and worried about her job when a saleswoman showed up at her door in late 2006. A reverse mortgage, the saleswoman explained, would give

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-40742045842551060762008-02-16T21:00:00.008-05:002008-02-23T08:25:43.112-05:00

Racking up credit card debt in collegeDid you rack up a big credit card debt in college? You have to remember that it takes a long time to Remove Negative Items from your Credit Report! One of my roommates had $5000 in credit card debt. Of course he also wore polo shirts and designer jeans. I think he also had a car payment. My car cost $700 and lasted me for like 3 years. This video is has some

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-76001523176244907392008-02-11T22:01:00.003-05:002008-02-23T08:14:19.482-05:00

How to Negotiate With Your Credit Card CompanyAre you afraid to call your credit card company and ask for a lower rate? Are you tempted to call one of those debt consolidation outfits on the internet and ask for help? Why not try it yourself first. You see if you run a balance on your credit card the credit card company is making boat loads of money off of you. They don't want you to leave. Why

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-75949493529045397372008-02-11T21:42:00.000-05:002008-02-11T21:54:18.018-05:00

Avoiding Foreclosure - Don't Lose Your HomeIf you are unable to make your mortgage payment here are some tips to help you avoid foreclosue.1. Don't ignore the problem. The further behind you become, the harder it will be to reinstate your loan and the more likely that you will lose your house. Remember, banks and mortgage companies do not want to be in the real estate business. They are in the

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-41241699121661644602008-01-29T23:20:00.000-05:002008-02-11T22:13:04.479-05:00

Apple iPod and Starbucks Coffee catching on in AsiaIt has been two years since I have been in Asia. Last year was a slow overseas travel year for me. I noticed two really important product or company differences this trip. The first one was the number of iPods people were using in Japan. Last time I visited I didn't see any of them. Now they seem to have really taken off. This of course is great

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-38696387086518051472008-01-29T22:56:00.000-05:002008-01-29T23:39:15.108-05:00

The Smartest Guys In the Room: The Amazing Rise and Scandalous Fall of EnronI picked up the book The Smartest Guys in the Room which is about the Rise and Fall of Enron. It is a fasinating book. It is really sort of amazing to me how many crooks they had in the company and the overall level of disfunctionality inside the company. It is very easy to read and super interesting. I highly recommend

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-48784151097298433252008-01-15T19:25:00.001-05:002008-01-15T19:40:22.752-05:00

When to Take Social Security - Managing Your RetirementInteresting article in US News on understanding when to take Social Security along with my comments.  The first baby boomers are turning 62 this year, the magical age at which you can begin to lay claim to all those payroll taxes you shelled out paycheck after paycheck your entire working life. The nation's symbolic first baby boomer,

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-78751748595755349932008-01-14T23:03:00.000-05:002008-01-14T23:19:01.895-05:00

Should you rent or own a home - buying your first houseRent or buy, determining if you should own a home or live in an apartment. I read and interesting article in US News and World Report about determine if you should rent or buy a home. Here is what the article said along with my comments. Real-estate agents have been pushing the virtues of homeownership since homes were invented. Or since

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-23865092192277817392007-12-25T16:37:00.000-05:002007-12-25T16:57:00.277-05:00

Investing In Africa - Emerging MarketsI read an interesting article in BusinessWeek about investing in Africa.    Africa may be one of the remaining emerging markets in the world.  The article points out how charity in the past has not really changed the face of Africa however greed might change it.  When they say greed they mean people investing in the region for a return on their investment.  

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-30678108943949499712007-12-01T22:01:00.000-05:002007-12-01T22:24:29.582-05:00

Avoiding Christmas Debt - Tips To Avoid Sinking Into Holiday DebtDo you set a budget for your holiday spending? Unfortunately it is easy to over do it during the holidays in many ways. Weather it is eating too much stuffing or drinking too much eggnog is one thing. Buying too many gifts on your credit cards is another. Did you start that Christmas club savings fund to help out in paying for you

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-71307202432250988772007-11-27T22:25:00.000-05:002007-11-27T22:46:36.192-05:00

Cheap flights for the holidaysAre you looking for ways to find cheaper flights for the holidays? It is really tough trying to find good deals during prime season. If you are flying around Christmas or Easter breaks it can be a really expensive proposition. I am stuck in the mode that some things should still cost what they cost 20 years ago, for me a flight should cost $200 to anywhere in the U.S

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-27095937446136998202007-11-27T21:56:00.000-05:002008-02-11T22:11:48.937-05:00

Tim Hortons Stock Up - Starbucks Stock DownWow that coffee is hot? Or is it? Why is Tim Horton's (THI) stock doing so well and Starbuck's (SBUX) struggling? Tim's is practically a religion in Canada. I am a huge fan as well. I usually stop in everyday and pickup a coffee. When I visit my customers or one of our factories I like to stop in and pickup some donuts and muffins. So what is the

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-79438876287716865972007-11-24T17:22:00.000-05:002007-11-27T00:19:26.191-05:00

Is China Stock Market a bubble? I read an interesting article about the Chinese ecomony the other day in BusinessWeek. The article really reinforced to me the point that I have been thinking about recently. Is the Chinese stock market it growing too fast and is it a bubble that will most likely burst? BusinessWeek points out that a large percentage of the businesses in China are playing their

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-64842360177651639202007-11-24T17:04:00.000-05:002007-11-24T22:39:16.432-05:00

Should you buy a Mac computer?Thinking about buying a Mac computer? They are pretty slick. Check out this video on reasons why you should or shouldn't buy a Mac? The main reason we are thinking about getting a Mac computer is for the creative side. Things like video editing, garage band, and graphics design. My family is really starting to get into these types of applications.Not sure a Mac is

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-12870057554769084202007-11-19T06:10:00.001-05:002007-11-27T00:21:00.328-05:00

Invest like Warren Buffet - How to pick the right stocksAre you tire of trying to pick the right stocks. Just buying whatever billionaire Warren Buffett bought might be a great way to go. You don't even have to buy it the same day. Even if you bought months after his share purchases, you could still get up to twice the return of the Standard & Poor's 500 Index during the past three decades.For

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-2673562811278979562007-11-18T07:45:00.000-05:002007-11-20T20:46:34.652-05:00

Stock picks online - pick stocks like the prosI read a interesting article in Businessweek about a new website stockpickr.com that helps you with your stock picks. Here is what the article said.Stockpickr.com was created by hedge fund hotshot James Altucher. The site helps investors see what the smart money is doing. Last year, Altucher got an offer he couldn't refuse. A much larger fund would

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-63153833954547549582007-11-17T07:54:00.000-05:002007-11-20T20:41:07.721-05:00

How to stop using credit cards - getting out of debtNow what you have worked yourself into a corner with over using your credit cards? It is a common problem, many people are struggling with personal credit card debt. Plastic is just too easy, and on top of it all, unless you look at your past statements you can't remember what you spent all the money on. Now when you go to some places if it is

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1147003225221137032007-11-13T07:50:00.000-05:002008-02-11T22:22:01.546-05:00

Find Cheaper LoansA popular topic of mine is how to get out of debt and paying off your credit cards, so it seems a little funny to me to be talking about finding cheaper loans. However, use of debt is required by most people and if used properly most people will have a better life with some debt vs. without debt. Personally, I feel that debt should only be used for bigger purchases like homes

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-48683208234373851162007-11-11T10:00:00.000-05:002007-11-11T10:34:08.663-05:00

How to improve your search engine rankingI found an interesting article on Keys to search engine visibility over at the MiamiHerald.com. Improving the page rank of websites is one of the first thing that most people ask when they are doing a new web site either for their business or and online business. Here is what the article said along with my comments.Good search engine results are vital to

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-34186665959411871532007-11-08T20:02:00.000-05:002007-11-08T20:53:12.870-05:00

Miracle of compound interest - getting rich slowly I found a great article on the miracle of compound interest over a Kiplingers.com Here is what the article said with my comments.The article says that compound interest maybe one of the eighth wonders of the world. What compound interest does is it turns a little bit of money into a lof of money over time, if it is invested wisely. Good old

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-30530414555775058982007-11-08T18:45:00.000-05:002007-11-24T22:52:12.250-05:00

The 4 hour work week - how to quit your day job. yeah! I read a great book this summer call "The Four Hour Workweek". It covers how Tim Ferriss when from making $40K per year to $40K per month. Fasinating book he covers very systematically how to get rich. His method is not easy and it is not for those who are unmotivated but it does give you a step by step plan on how to quit your day job and

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-55698701059165990872007-11-04T21:30:00.000-05:002007-11-08T19:16:10.298-05:00

How to do your own legal work, create your own will with Legalzoom or Quicken Legal.Did you know that you can create your own will? You can use online services like Legalzoom or you can use do it yourself with Quicken Legal. Creating your own legal documents can save you a ton of cash. Most people think that they need a lawyer to do a will or power of attorney or even a trust. At minimum you

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-34131018500299136452007-10-15T20:50:00.000-04:002007-11-17T22:44:07.551-05:00

A dirty way to become a millionare - how to get richI saw an interesting article in the USA TODAY called, It's a dirty job, but you can get rich. Here is what the article said along with my comments.James Dillard, owner of Dillard's Septic Service in Annapolis, Md., once rolled his company truck. In the septic business, that's about the worst thing that can happen. He was fortunate. The front of

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-74945939166261338712007-09-09T00:59:00.000-04:002007-09-09T19:34:15.128-04:00

31 ways to get out of debt. Found a great article at Dumblittlemen.com here is what they said along with my comments.Write down your financial goal. A large goal is not likely to be achieved if you don't write it down. Type it out, print it out in large font, and post it up on your refrigerator. What is your goal? A 50% reduction of your debt? Complete debt elimination in two years? Whatever it

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-64786987145253331522007-04-01T09:40:00.000-04:002007-04-01T10:10:26.720-04:00

Get the lastest buzz on stocks, find the hot stock tipsI read and interesting article about Instantbull a stock message board aggregator. Pretty cool site. Allows you to see real time chat on stock from multiple messages like Yahoo, Google Finance, and MSN. After you have selected a particular stock on the left hand side you can see all of the recent messages from all the different message boards

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-62683924991924554032007-03-27T22:18:00.000-04:002007-03-28T22:50:27.893-04:00

Tired of your boring job? Feel like you will never get ahead? Looking for ways to increase your compensation. You need to be the CEO of the company. Executive compensation was on a tear in 2006. Here is just a snap shot of some of the highest paid CEO from last year.Merrill Lynch CEO, Stanley O'Neal $91 millionAT&T CEO, Edward Whiteacre, $60 millionCoca Cola CEO, Neville Isdell, $32 millionCheck

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-19083840344066657822007-03-25T20:22:00.000-04:002007-03-25T09:55:27.289-04:00

Saving for CollegeGreat article over at Yahoo Finance on Saving for College, here is what they said along with my comments.Both students and parents can make the most out of the educational dollars they set aside by exploring the many savings tools available. Since the cost of higher education is rising faster than the rate of inflation, traditional saving vehicles like CDs and savings bonds just

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-31707660464247057652007-03-18T20:41:00.000-04:002007-03-19T22:36:20.225-04:00

Some of my favorite books on investing include books by Warren Buffet, Jim Cramer, and the founder of investors business daily, William O'Neal.1. The Warren Buffet2. Jim Cramer Mad Money Books3. How to Make Money In StocksIn regards to magazines and newspapers I would recommend the Wall Street Journal, Investors Business Daily and Baron's Weekly.1. The Wall Street Journal2. Investors Business

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-45974580310449816742007-03-18T13:22:00.000-04:002007-03-19T13:30:06.397-04:00

Interesting article called The true cost of a `free' credit report: $79.95 here is what they said along with my comments.FreeCreditReport.com is not the place for free credit reports. If you didn't know that, you may have paid for something that you did not want or that should have been free. Apparently the company that operates FreeCreditReport.com had its own sort of confusion. A federal

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-46790778315045215162007-03-17T14:53:00.001-04:002007-12-08T20:32:05.963-05:00

Maxed Out on Debt! "The Movie"I found and interesting article titled, Maxed out on debt? The cool thing is the offer that help's on way, in a film and a book. So if you are a person that would rather wait for the movie you are in luck it is available. Here is what the article said about people struggling with debt along with my comments. Checkout the following video from the Movie Maxed Out! Shop

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-67481451120217026332007-03-17T14:13:00.000-04:002007-03-17T14:48:30.864-04:00

I found a great article by David Bach, author of The Automatic Millionaire, the article's title Five Principles for Happiness in 2007 focuses on The Live Rich Factor. The 5 principles of the Live Rich Factor are: millionaire millionarePrinciple 1: Give Yourself a BreakPrinciple 2: Get Connected with Your TruthPrinciple 3: Stop Judging YourselfPrinciple 4: Stop Judging OthersPrinciple 5 : Pursue

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-19021679444771038532007-03-13T20:43:00.000-04:002007-12-25T22:25:27.678-05:00

Are you and Average American Struggling With DebtDid you know that in 2005 Americans had $2.2 trillion in total consumer debt, more than twice the consumer debt that they had in 1994.  That doesn't even take into account the amount of debt our government has racked up.  On top of that, the average personal savings rate in the United States in 2005 was -0.5% which was the first time this rate has

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-44756667052221788022007-03-11T10:11:00.000-04:002007-03-17T14:23:54.296-04:00

Kiplinger.com had another article that talked about becoming a millionaire while you are an empolyee. The article title Making It Big on a Paycheck by Follow these 12 steps to become a millionaire as an employee. Here is what they said with my comments.A number of the people profiled made their millions as entrepreneurs. But working for the Man doesn't mean you have to be a wage slave or resort

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-17860941054091694542007-03-11T09:57:00.000-04:002007-03-17T14:23:54.298-04:00

Kiplinger.com, March 2007 had an interesting article that I actually listened to on their Podcast titled Yes, You Can Make a Million. Whether you're an entrepreneur or you earn a salary, take a lesson (or two) from 11 people who made it.Maybe a million bucks isn't what it used to be (there are nine million households worth seven digits in the U.S. today). But by the same token, making a million

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-59708565716985117882007-03-05T00:00:00.000-05:002007-03-13T20:40:43.961-04:00

CNN had an interesting article titled Following Your Dreams and Seven Tips to Transition to a New Career. Here is what they said along with my comments.Whether you're in an industry that's desperately seeking workers or one that's continually announcing layoffs, you've likely toyed with thoughts of dropping everything to follow your dream career. But making that leap is often difficult. Another

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-40594613721450195842007-03-03T17:07:00.000-05:002007-03-03T09:04:43.312-05:00

CNN had an interesting article on how to ask for a raise. Here is what they said along with my comments.Want more pay? Some disturbing news. Asking for more money takes some cajoling, but more so for women than men, experiment suggests. Quick confession: I really dislike dealing with demanding, arrogant women. But just for the record, I also really dislike dealing with demanding, arrogant men. In

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-6680675570633016832007-03-01T21:08:00.000-05:002007-03-01T21:50:50.644-05:00

Found and interesting article on The dark side of moonlighting here is what they said:Having two jobs can help ease your financial burden, but with double the pressure, both jobs and your mental health can suffer. Achieving work-life balance is already a juggling act. Throw a second job into the mix, and it can become a lot harder to perform. Having a second job can really help when you are

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-53319365029732455582007-02-24T23:27:00.000-05:002007-03-17T14:27:26.669-04:00

Interesting article over at Bankrate.com called Prepaying mortgage not a no-brainer here is what they said along with my comments. morgage motrgageDear Dr. Don, I have heard so many debates on paying off the mortgage versus not paying off the mortgage, but to me it's a no-brainer. I want to pay off my mortgage! Here's my plan: I have $40,900 as a principal balance and about 20 years left on my

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-70736522983941660532007-02-24T08:26:00.000-05:002007-03-17T14:23:54.300-04:00

I found and interesting article on salary envy by Reben Navarrette of the San Diego Union Tribune. Here is what they said along with my comments. moeny saleryRemember when it used to be considered impolite in America to talk about how much someone earned? Its a scary thing when you start to get into salary comparisons. Hopefully you are not stuck in a minimum wage job. Now there are times when

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-88534562845112750462007-02-22T21:27:00.000-05:002007-02-22T21:48:22.058-05:00

Get in early and stay late. Even 30 minutes earlier and later than most people will get noticed. Generally bosses get in early and stay late. If you are pounding away on a special project and you boss walks by when he/she is leaving you will get noticed at work.Ask your boss if there are other projects that you can help out on. Ask for additional responsibility but don't expect a raise when you

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-27587091573019223322007-02-21T17:13:00.000-05:002007-02-24T21:14:10.274-05:00

My Dad always had some phrases that he used to remind us of some fundamental rules of the universe. I don't know if he made them up or heard them somewhere else. I just know that they have helped me in my career and life. Some of the quotes are from my wife's Dad along with my comments.Show up, shut up, cash the check. This quote applies to work and careers. In general it means that no one really

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-69405541535693964882007-02-19T09:54:00.000-05:002007-02-22T20:51:49.328-05:00

The Miami Herald had a great article call Don't let your occupation burn you out. Here is what they said.Feeding the spirit to treat work burnout. Our culture encourages a healthy, balanced physical, emotional and mental life, but not many people consistently pay attention to their spirit. Your job is a drag, your co-workers are baboons and your favorite movie is Office Space. Ever considered

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1163251740648563372007-02-11T08:28:00.000-05:002007-02-11T10:18:54.906-05:00

So your thinking about college for your middle schooler and you are wondering how much you will need to save to fund their college education. I was trying to find a website that compares the tution cost for major Michigan colleges and universities. I was successful in finding a few, so I decided to put together a list of resources about paying for college. First of all before I get to the list I

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-48965426699180351692007-02-10T18:30:00.000-05:002007-03-19T12:59:57.735-04:00

Kiplingers has a great article titled Wipe Out Holiday Debt. Here is what they said along with my comments.Don't be lured into using a home-equity loan or line of credit to consolidate your bills. Consider these options instead. The holidays are past, and the credit-card bills have arrived. It's time to face the music, and it isn't necessarily jolly. Households with at least one credit card

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-71561717228835424522007-02-04T08:29:00.003-05:002008-05-19T05:44:23.959-04:00

23 Free places to sell your stuff online.Do you have stuff to sell? Are you looking to unload some junk or to raise some money for other stuff you would like to buy. Below are 23 free classified advertising sites that can help you sell your stuff online.I find the most effective way to sell things online is through eBay. However eBay is not a free place to sell things online. However, the rest

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-76550045709313988012007-02-02T17:49:00.000-05:002007-02-02T19:12:33.989-05:00

A few great articles on personal finance that I discovered at Digg.com. The first on from Yourcreditavisor.com which is titled 102 Personal Finance Tips Your Professor Never Taught You is a great article covering everything from taxes to debt to eduction. Check it out. This article refers to what they didn't teach you in high school but I also think it refers to college as well check out 101

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-8433959679675402822007-01-27T17:47:00.000-05:002007-01-28T10:56:42.826-05:00

A very popular questions is how to determine how much my savings will be worth at certain interest rate. Another popular question is to determine what my mortgage value will be. I have assembled the top financial calculators to help you find the resource that you need.Financial CalculatorsUSAToday has a wide variety of calculator to help you figure out car payments to retirementBankrate even has

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-41418890906042418902007-01-27T16:17:00.000-05:002007-01-27T17:21:45.703-05:00

I found a great article at Kiplingers.com, Eight Keys to Financial Security. Here is what they said with my comments.Key 1: Invest in yourselfYour own earning power -- rooted in your education and job skills -- is the most valuable asset you'll ever own, and it can't be wiped out in a market crash. Keep your earning power growing through continuous education, training and personal development. If

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-47717646423649510652007-01-20T22:07:00.000-05:002007-11-08T20:52:50.182-05:00

Found a great article at Dumblittleman that lists 40 ways to make money online. Great list in my opinion. The complete list is below with comments on each of the sites that I have had personal expeience with.Adbrite - Sell space on your site for text adsAmazon aStore - Easily create a store or shopping section on your site instead of sending your visitors to Amazon. Amazon handles the shopping

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-40659822375871234662007-01-14T10:10:00.000-05:002008-01-04T00:04:24.588-05:00

Top 10 ways to set goals and keep them in the New YearSetting and keeping goals are tough. Everyone has best intentions of keeping their goals in the New year. I read a great article at Entrepreneur.com on how to Keep Your Resolutions. Like the majority of people out there, we'd bet good money one of the first things you did last year was make a new a resolution or two, be it a personal goal,

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1163856716070089642006-11-18T08:25:00.000-05:002007-01-27T17:13:57.085-05:00

There are a lot of SEO or Seach Engine Optimization tools out there in the internet. I would recommend the following.SEO Book has a keyword suggestion tool that allows you to find alternative keyword suggestions and even shows you the estimated monthly traffic on each word. This is a great tool and I use it all the time.The other site that is really good for information on SEO is called SEO chat.

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1163855326142833672006-11-18T08:02:00.000-05:002006-11-18T08:08:46.160-05:00

Top five tips on dealing with SpywareI would start by downloading Microsoft Internet Explorer version 7. It has alot of updates that track and prevent spyware. Additionally you could download the Yahoo ToolBar which has a spyware protection as well. For standalone freeware try Spybot or Adaware. Another step that I have found that really helps, if you know roughly the date when your computer

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1160854221965784612006-10-14T15:08:00.000-04:002007-01-27T18:02:07.108-05:00

How to calculate your net worthEveryday people rush off to work, take care of the kids, save for retirement, save for rainy days, and so on. The question that a lot of people have is are they getting ahead? During their life in the rat race are they actually making progress in accomplishing their goals? After all if your savings and investments are growing but so are your debts are you really

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com2tag:blogger.com,1999:blog-19337253.post-1133034878273001082006-10-08T14:54:00.000-04:002007-03-17T14:27:26.671-04:00

Well it only took me buying my 3rd home to convince myself that I needed to bite the bullet and get a 15 year mortgage vs. a 30 year mortgage. We have been here for 5 years now and I am really glad that we did it. I actually enjoy getting my statement each month because 2/3rds of the the payment is actually going to principle. Think about it, a $1500 mortgage payment and $1000 of it is going to

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1159626975539340272006-09-30T09:55:00.000-04:002007-01-14T15:03:36.250-05:00

5 Reasons to start a 529 College Savings PlanWhat is a 529 college savings plan? A 529 college savings plan is a state-sponsored, tax-advantaged investment vehicle that allows relatives and friends to invest in a child’s college education. How did it get this easy to remember name? The 529 college savings plan is based on a law created by the government called Section 529. The education savings

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158978269953331642006-09-22T22:18:00.000-04:002007-03-19T12:58:14.879-04:00

Making Money with Amazon's Affiliate ProgramAmazon has a tremendous affiliate program which allows you to sell almost anything through your websites or emails by placing adds to products available on Amazon.com. To get started with the Amazon affiliate program just signup for their free affiliate program at http://associates.amazon.com. The thing that I really like about the Amazon program is the

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158803631885371972006-09-20T21:53:00.000-04:002006-09-30T10:41:53.213-04:00

Publishing your own book at Lulu.comDo you have a book idea? Have you written a book but don't know how to get it published? Are you a frustrated author just looking for an audience? The traditional publishing industry can be confusing and complicated maze to work through in order for you to get you book actually published. Enter Lulu.com which offers authors a one-stop do-it-yourself publishing

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158504407959929342006-09-17T10:00:00.000-04:002007-03-17T14:27:26.672-04:00

Option ARM Home Mortgages Danger In The Fine PrintBusinessWeek Magazine had a very scary article in the last issue about Option Arm Mortgages also know as Negative Amortization. I am always amazed when I hear radio spots advertising Smart Loans Mortgages, or Interest only loans. It is hard for me to believe that the mortgage industry keeps pitching they types of loans to the public only to create

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158228400147374952006-09-14T05:56:00.000-04:002006-09-16T09:17:05.440-04:00

Selecting the best mutual fundsAre you looking for the best mutual funds? Do you purchase mutual funds directly from the fund company's. Thanks to the online world there are many ways for you to research the best funds. Of course historical/past performance does not predict future performance. Below are a list of handy and useful online resources for helping you select the best mutual

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158142285426249172006-09-13T06:10:00.001-04:002007-03-19T12:55:33.653-04:00

Work at home jobs or telecommutingAre your looking for a work at home business? A lot of people are trying to balance family life with the balance of trying to pay bills, make ends meet, and get out of debt. However, some people might not be able to goto the office everyday and they might not be cut out for the life of a entrepreneur. Sometimes the next best thing is to find a company that offers

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1158107634333082692006-09-12T20:25:00.000-04:002006-09-13T22:25:10.346-04:00

How to pick a financial plannerSo you and your spouse have decided its time to consider getting a financial planner. You are not alone. With the stock market challenges over the last five years it has become difficult for do it yourselfers to make any money in the stock market. With mutual funds, ETFs, stocks, bonds, and CDs all of the choices can be overwhelming and confusing. Therefore, a lot

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1156604535599646572006-08-26T10:40:00.000-04:002006-08-27T12:34:39.220-04:00

Online Certificates of DepositDid you know that you can buy CD or certificates of deposits online through your broker? I didn't realize this was available until the following happened to me. I don't know if you are as frustrated with stock market as I am. I feel like I have been treading water for at least the last 6 years. I have been saving for college for my kids for a long time only to

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1156109640682059032006-08-20T17:25:00.000-04:002007-03-19T12:58:14.883-04:00

Making money online with affiliate programsMaybe you don't have your own product or service to sell but you are still interested in making money online through the internet. One of the best ways to do this is through and affiliate program. I also like placing ads with Google Adsense as well.What is an Affiliate Program? An affiliate program allows you to act a an agent for the participating

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1154824819161773202006-08-05T20:20:00.000-04:002006-08-05T20:58:30.990-04:00

Websites that save you moneyI am always looking for ways to save money, reduce gas cost, get cheaper loans, invest more wisely. So I decides to put together a resource page on some of the interesting websites that I have found that help you save money.The first site is Coupons.com. It is a pretty cool site that lets you search through the available coupons ranging from $1 to $2 off some items.

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1154309071344712522006-07-30T21:24:00.000-04:002007-01-27T10:16:28.706-05:00

Micro loans for your business check out Kiva.orgA popular question from my readers is where to find obtain a loan for a small business. The funny thing is the logical answer would be to check with your bank, however, banks don't like risk and loaning money to small businesses is risky. I recently read an article about a website cal Kiva.org. Kiva provides small business wannabees with an avenue

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1153611770357749582006-07-22T19:26:00.001-04:002008-02-23T08:23:13.583-05:00

What is a FICO score?Thinking about buying a house, leasing a car, or taking on some other type of debt? When you apply for a loan, a credit card, car loan, or mortgage, the banks or lenders want to know what risk they'd take by loaning money to you. Higher FICO scores means you have good credit, lower scores may mean you have poor credit and are a higher risk. Are you looking for ways to Raise

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1153610341774012502006-07-10T19:10:00.000-04:002006-07-22T19:46:40.210-04:00

How to get a free credit reportProbably the most advertised free credit report service is http://www.freecreditreport.com. However, I tried the site and I couldn't figure out a way to actually get a free credit report. The other day I was driving home from work and I heard a news story about actually getting a free annual credit report. This one actually works and you do not have to put in a

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1151155045779949522006-06-24T09:13:00.000-04:002006-10-12T23:22:52.120-04:00

Top 10 ways to improve your credit scoresI read and interesting article at About.com on how to improve your credit score. Here is a summary of what they said. First of you should understand what goes into the calculation of your credit score, and after you do that you can develop a plan for improving your score. You can get your credit score from different places on line however, probably the

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com3tag:blogger.com,1999:blog-19337253.post-1150553591587459302006-06-17T09:59:00.000-04:002007-01-27T10:16:54.221-05:00

Higher rates of return with micro loans at Prosper.comHow would like to get a 17% return on your money by making a loan to a priest in Orlando? Ok so maybe your not religious, would you loan $15K to a second year Harvard student at 8%? With today's stock market it can be hard to find a good return on your money. Additionally, most people are looking for ways to diversify there investments.

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1148216515257687332006-05-18T08:48:00.000-04:002006-05-21T09:13:23.676-04:00

Virtual Stock Exchange and Stock Market CompetitionAre you one of those people that is smarter than the average investor? Are you ready to make yourselfs millions in the stock market overnight day trading? How would you like a risk free way to find out if you have what it takes. Now you can trade stocks, mutual funds, and ETFs thanks to Virtualstockexchange.com. You can even join in the stock

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1147551598699139212006-05-13T16:19:00.000-04:002006-05-13T16:56:26.270-04:00

Postponing Social Security PaymentsAh retirement, a source of happiness and anxiety for people nearing retirement. The big questions to ask your self range from have I saved enough in my 401K, will I get any benefit from social security, how can I retire without a 401K, to should I start a Roth IRA? Another big concern for a lot of people is to determine when you should take your social security

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1146915232082361652006-05-06T07:26:00.000-04:002006-05-06T08:39:23.186-04:00

Cut college tuition cost in halfA lot of parents are concerned about the rising costs of college and being able to pay for their child's college tuition. Your child could always get a student loan to help pay for college but frankly the idea of my kid starting out in life in debt is not that compelling to me. I have been working aggressively over that last tens year to pay off all my debt, why

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1146308937995874842006-04-29T07:08:00.000-04:002007-03-28T22:44:15.811-04:00

Jim Cramer Mad Money Stock PicksFirst of all as I have mentioned before I am a big fan of Jim Cramer and his CNBC show Mad Money. Fortunately, I have XM Radio and I can catch the show on the way home. Did you know that there are a over a half a dozen ways that you can keep track of Jim Cramer and his stock picks. Below you will find the top 8 ways that I recommend for keeping track of Jim

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com1tag:blogger.com,1999:blog-19337253.post-1146189556156464302006-04-27T21:40:00.000-04:002006-04-27T21:59:16.176-04:00

Investing in Hedge FundsHedge funds are not mutual funds, they are a significantly different animal. A hedge fund is a fund the applies a defensive management of your investments. There are significant differences between a hedge fund and mutual fund. Wikipedia defines a hedge fund as follows: A hedge fund generally refers to a lightly regulated private investment fund, often a partnership

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1145809616223827172006-04-23T12:24:00.000-04:002006-04-23T15:11:53.710-04:00

Lessons on Paying for CollegeThe Wall Street Journal had a great article this weekend on Lessons on Paying for College. Most of the time, couples making over $100,000 per year a not eligible for financial aid packages due to their high level of income. However, recently this general rule of thumb has been changing. College costs have gone up so quickly that making a $100,000 per year is really

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1145484416916966272006-04-19T17:35:00.000-04:002007-03-17T14:27:26.674-04:00

Interest Only Mortgages and LoansUntil recently the Adjustable Rate Mortgages were one of the most popular mortgage types. However with the recent rise in interest rates the difference between an adjustable rate mortgage and a fix mortgage has diminished. As a result of this many borrowers are turning to interest only mortgages looking for ways to reduce their monthly mortgage payments. How does

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com1tag:blogger.com,1999:blog-19337253.post-1144882669008611762006-04-14T18:57:00.000-04:002006-04-23T15:12:17.506-04:00

Keeping track of your investment returnsWhen you become an active investor or day trader you can end up having a lot of paper work to keep track of your investment returns. Additionally, it is important to understand your cost basis and buy and sell points. There are several ways to keep track of your stocks and mutual funds. The following are some of my favorite tools for tracking captial gains

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1144985244473440222006-04-13T22:41:00.000-04:002007-03-19T12:59:57.737-04:00

Debt Consolidation, paying off your debtsAre you considering a debt consolidation loan? Do you have credit card debt, student loans, or other high interest rate consumer debt that you would like to consolidate in one low monthly payment?Debt consolidation ideas: First of all a debt consolidation loan sounds like a great idea to most people. Get out of those high credit card interest rates, payoff

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com2tag:blogger.com,1999:blog-19337253.post-1144558863758087392006-04-09T01:00:00.001-04:002009-08-28T10:05:21.768-04:00

How to become an overnight millionaireSo what is the fastest surest ways to becoming a millionaire? Most people are looking for short cuts to the good life and joining the ranks of the millionaires? The real question however should be what is the fastest way to become wealthy? To be rich and not have to work any more if you don't want to. The first question might be what does rich mean? If you

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1141782674564454522006-04-08T20:50:00.000-04:002006-08-05T21:04:22.426-04:00

Setting a family budgetOne of the most important steps to getting your financial house in order is to understand where your money is going and living within a family budget. "Living within your means" is a term that describes people that know how much they make in take home pay and how much they are spending and making sure that they are living within their budget and not incurring additional

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1143290140594733012006-03-25T07:25:00.000-05:002006-04-08T03:55:46.736-04:00

Investing with Dividend Reinvestment PlansDid you know that you can buy stock without a broker? Would you like to purchase shares of Starbucks or Disney for your kids or grandchildren but you don't know how? Are you interested in buying shares in a particular company over time but don't have a lot of money to do so. Participating in a Dividend Reinvestment plan might be just the solution that you

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142910186567351152006-03-20T21:20:00.000-05:002006-03-20T22:10:22.786-05:00

Finding Health Care coverage and other tips on Health InsuranceHealth insurance or health care coverage is probably one of the most concerning things on American's minds these days. It ranks right up there with the ecomony, jobs, education, and terrorism. Businessweek had an interesting article about finding the health care coverage that you need. Not insured by your current employer? Find the

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142824048471351242006-03-19T21:33:00.000-05:002006-04-06T22:04:33.356-04:00

Stock tips and investing toolsAre you looking for stock tips? Are you trying to find some good sound investment ideas. The internet makes it easy with a wide variety of investing tools. Below I have listed some of my favorite sites for investing tools and stock screening. If you have some favorites sites that you would like me to add please leave me a comment and I will add them to this post.MSN

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142561356030639402006-03-18T21:09:00.000-05:002007-01-27T10:40:44.582-05:00

ETFs or Exchange Traded FundsAre you thinking about investing in Exchange Traded Funds currently the darling of the investment world. So exactly what are Exchage Traded Funds or ETFs? ETFs are more like a similar to an index mutual fund however when you buy and sell them they are more like a stock. Each ETF represents a particular group of stocks such as the SPDR or QQQQ. SPRD example: The

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142651282218295982006-03-17T22:01:00.000-05:002006-04-07T23:11:35.843-04:00

Investing in Gold - Top ways to Invest in GoldRising interest rates, high oil prices, inflation fears all of these items have rekindle a big demand for gold. Gold prices have risen to new highs over the last several months. Investing in gold can be confusing, however, there are a variety of ways to invest in gold and not all of them require you to actually buy gold coins.Top ways to invest in

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142565186493202222006-03-16T22:10:00.000-05:002006-05-13T16:57:29.976-04:00

Confused about your retirement options? Are you trying to determine if you should invest in a 401K, traditional IRA, Roth IRA, or brokerage account? My first rule of thumb is invest in the 401K it generally has the most benefits like matching employer funds, see my related article.What's your best retirement option: For most people the Roth IRA is the next best retirement option. In 2005 the max

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142479130073269802006-03-15T21:59:00.000-05:002007-03-17T14:23:54.312-04:00

Top 10 ways to become the Millionaire Next DoorEveryone wants to get rich and become the Millionaire Next Door. Unfortunately most of us will not be on the Forbes list of Billionaires under 40. However, we would all like to have the Millionaire Mind or be the Millionaire Next Door. Some keys tips to becoming the Millionaire Next Door are:Live well below your means, try paying cash for purchases

Bobhttp://www.blogger.com/profile/05343512319204925598noreply@blogger.com0tag:blogger.com,1999:blog-19337253.post-1142301356489524672006-03-13T20:55:00.000-05:002007-03-17T14:27:26.675-04:00

Reverse Mortgages Pros and ConsWhat is a Reverse Mortgage: Reverse Mortgages are generally only used by retired folks. The funds from a reverse mortgage can be used for retirement income or paying for healthcare expenses. A reverse mortgage allows the homeowner to extract some of the equity out of their home without having to sell the home or take out a home equity loan. In a reverse mortgage you

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