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With the cold winter days just a few months away, it is time to get ready for the heating costs that come with them. No doubt there are many great ideas on the television and web on how you can save money on energy costs, but as usual, it takes money to save money. And, for many homeowners spending money on major home improvement projects to make their home more energy efficient may not be on the horizon this year. But fortunately, there are options for homeowners (and apartment dwellers) to reduce their…continue reading →

Creating A Zero Based Budget For Financial Success We all know that budgeting is the key to financial success but understandably many of us shy away from budgeting because we either find it boring or time-consuming to set up. However, the benefits of a personal budget can never be overemphasized. It can be a great help if you are paying down debt, buying a house, saving for college, bulking up your nest egg or just trying to exert control over your finances. But, even financial experts agree that the best way to budget…continue reading →

As we are moving farther and farther down the road towards a cashless society, credit cards have become a familiar feature of the lifestyle in the world. They can be used to pay for nearly everything, everywhere and have a lot of benefits like convenience, consumer benefits, and rewards programs. While it is tempting to swipe your credit card for just about everything, you must think twice before doing so. These seemingly innocent pieces of plastic can get you into a world of financial trouble if you do not make wise choices as…continue reading →

Let’s face it- today patients are responsible for more out-of-pocket costs for their medical care. Even with insurance, prescription drug costs are very high and without insurance, the costs can be so exorbitant that patients may be tempted to skip or skimp on medication and even travel elsewhere. According to a Consumer Reports survey, about 25% of the respondents said that they are paying more at the pharmacy then they did just one year ago. And about 14% of them chose not to fill prescriptions at all because they could not afford it.…continue reading →

Is Your Debt Staking Up? Nobody wants to fall out on payments but it happens to almost everyone at some point in their life. You struggle to pay off your credit debts due to high- interest rates and fees, which forces you to make minimum monthly payments. Your debt starts staking up and you spend the best years of your life in bondage trying to pay off your debt and that too with interest. Your outstanding loan payments can overwhelm you and become an enormous financial and emotional burden. Now is the time…continue reading →

There is no doubt that being a successful businessman is the epitome of the American Dream. But, running your own business requires a lot of expertise in a lot of business areas. Doubtlessly, one of the most important aspects of becoming a successful businessman is having your own finances in order; after all, if you have no money you have no business. Businesses especially small businesses are notorious for fluctuating income and the irregular cash flow can make or break your business. So it is essential that you should be prepared. If you…continue reading →

Filing taxes is something everyone is not only expected to do but required to do. However, the odds are that we have never taken a class on basics of how to file taxes in school or college. The complex tax system, filing, and paperwork can make your head spin. But filing taxes can be stress-free and simple with a little effort and organization. If you have never filed taxes before yourself here are six guidelines to help you cruise through the process. Know Your Filing and Dependent Status Your tax rate is mainly…continue reading →