Even a slacker can be debt-free. Here's how.
If you are like many, the challenging economy has caused us to take a look at our personal finances and consider making a budget. Good news! Budgeting doesn't have to be painful!
There are no shortcuts in business. In order to be successful there are some things that you must know. These are not all of them by a long shot, but IMHO they are 6 of the most important.
2. You wipe your mouth with the napkins you hoarded from Chipotle. What, is the huge corporation going to miss a few napkins? You're basically Robin Hood.
In the past, if you needed a loan for your car, home improvements or to consolidate your credit cards, you would need to get dressed up and head down to the bank to beg for money. The Internet has made things a little easier.
We all have our areas of interest -- make that obsession -- and when something related to them crops up online, we can be instantly transformed into monster click machines. The problem here: Many of those clicks can either lead to your victimization or becoming an unwitting co-conspirator in cybercrime.
Just at the point where you finally feel your own mid-life finances are under control (401k, Roth IRA, emergency fund, 529 savings account -- check!), it's time to start getting involved with your aging parents' finances, or so it seems.
Submit shareholder proposals. Nominate new directors. Attend annual meetings to ask questions of the executives and board members. But do not sell the stock that gives you the right to engage on the issues you care about with the people who can make a difference.
The sharks we have in mind, meaning no disrespect to the cartaliginous fish of the same name, are people like W. Allen Jones, CEO of Check Into Cash, a Tennessee-based company that operates an estimated 1,100 payday loan and check cashing shops in 29 states.
With civil courts underfunded and litigation increasing, even simple cases are going to take years and years to attain their day in court. And the structure of these loans become truly predatory as the cases linger.
Sometimes it seems like there's an app for everything. While these are often useful innovations, it is important to remember that not all of them are providing protections if something goes wrong with your purchase.
Borrowed money creates a layer of tension and can strain the strongest of relationships, despite the best of intentions. Is it possible to borrow or loan money and keep your relationship intact?
Divorce may require you to deal with a lot of wealth and complex questions that you never had before. Make sure you have the right advisers in place.
You're probably expecting to shell out major bucks for tuition, room and board and a million other necessities over the next few years. But before you send your kid off, make sure you share one gift likely to steer him or her along the road to financial security -- a sound understanding of how credit works.
Hold a garage sale or sell your stuff online. Remember the rule, when it doubt, toss it out. If it's been one year or more since you've worn clothing, sell them. If you haven't used the home gym in a while, sell it. You'll need to make room anyway for when your baby arrives!
It represents everything that is bad about the financial services industry. The other side is the RIAs (Registered Investment Advisers). They represent everything that is good about the financial services industry.