Easy Steps to Negotiating a Lower Cable Bill

As more people decide to "cut the cord," and leave cable for various streaming options, cable companies are realizing they no longer have a monopoly on entertainment. Now with more competition, cable customers have some bargaining power when it comes to reducing their bill so companies keep their service.   Continue reading

Is An Online University Right For You?

Date: August 10, 2016 Working adults who want to further their education may not be able to quit their jobs or decrease their employment hours to do so. Juggling work life with the responsibilities of taking care of a family may not leave much room for a traditional campus university education. One option is to enroll with an online university so you can study on your schedule. Be sure to do... Continue reading
Investment Loans for Rental Property

Investment Property Loans: Know Before You Owe

All loans are not created equal. Expect to pay more for investment loans for rental property than you would for a home. Qualifying for a loan to buy rental property is generally a more difficult proposition. Adapt the investor's hang-onto-your-hat-and-enjoy-the-ride philosophy that helps make your first investment in commercial real estate fun. But you can also profit from these solid tips on how... Continue reading

Ways to Rethink Your Job Search

Date: July 12, 2016 When it comes to job hunting, we all know the usual routine: Polish your resume, fill out several dozen applications and wait for the email to arrive or the phone to ring. In reality, this seldom works. Only about 2 percent of all job applicants ever get that phone call for a first interview — and for good reason. When hundreds of people are applying for the same job, the odds... Continue reading
Benefits to Negotiate for After Job Offer

Benefits to Negotiate For After a Job Offer

You've made it through the interview, impressed the boss and have a job offer on the table, now it's time to discuss your job benefits. Hopefully you've done a little background research on the company so you can avoid negotiating yourself out of that job. Be wise, calm and professional, and get everything in writing to avoid misunderstandings on either side.   Salary Options If you're happy... Continue reading

How to Maximize Your Social Security Benefits

Date: August 9, 2016 No one wants to leave money on the table, but if you don’t map out your approach to collecting Social Security benefits as part of a plan to save for your retirement years, you could be doing just that. Exactly how to maximize your benefits depends on your personal situation, but here are some general rules to keep in mind.   Pay Attention to Your Earnings Many people focus... Continue reading

Why Everyone Needs Financial Cheat Days

Following a budget is like sticking to a diet — you must keep your eyes on long-term goals at the expense of short-term indulgence. But a regime of all belt-tightening without any splurges can lead to abandoning the resolution and going hog wild with spending. That's why even the most rigorous budgeters must build in occasional cheat days.   Budget Benefits Anyone who has overspent a paycheck or... Continue reading

Investing 101: What Is Asset Allocation?

Date: August 4, 2016 Asset allocation sounds like a highbrow finance term, but it's a pretty simple concept in reality. Most people want to earn the highest possible return when they invest their hard-earned money, while taking the least amount of risk. Asset allocation tries to achieve this balance by using statistical models of historical risk and return. The "correct" formula can vary from... Continue reading

Investment Ideas for Busy People

One of the most convenient byproducts of the growth of the Internet is easy access to financial information. Data that used to be only in the hands of stockbrokers can now be downloaded from the comfort of your own home with just a click of the mouse. But when it comes to investments, facts and figures are only part of the story. Successfully mastering a portfolio of investments can take an... Continue reading
How to Budget Your Money With Elizabeth Warren's 50-20-30 Rule

How to Budget Your Money With Elizabeth Warren's 50-20-30 Rule

What's the best way to slice the money pie? It's a question many people struggle with, and there are lots of options are out there for how to make the cut. One formula that’s on the upswing is the 50-20-30 rule, one of the more workable plans for managing your money. Continue reading