Posts Tagged ‘People’

The Debate Between Debit Cards and Credit Cards

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More than half of all card transactions are now being paid with debit cards rather than credit cards, according to the Nilson Report. The debate between debit cards and credit cards continues on.  Many people made the switch to debit cards in an effort to avoid racking up too much debt and to help manage their budget more efficiently. The problem with this theory is the costly expense of overdraft fees if you mistakenly overdraw your account – and the fact that you lose out on many benefits by not using credit cards. Photo by Classyshot via Flickr Despite the… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - November 9, 2010 at 7:20 am

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Best Money Tips: 7 Worthless Excuses for Not Saving

Welcome to Wise Bread's Best Money Tips roundup. Today, we destroy all those lame excuses for not saving, help you shop for a laptop, and give you the facts behind MLM opportunities. Top 5 Articles 7 Worthless Excuses for Not Saving — You heard her. Liz Pulliam Weston wants you to know that she’s not buying it. If you are using any of these common excuses, your time is up! MSN Money The Most Essential Specs to Look for in a Laptop — Color isn’t necessary (although probably desirable). Found out what really matters when buying a new laptop!… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - August 31, 2010 at 12:20 am

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How to Budget in Less than 20 Minutes a Week

1 of the most typical misconceptions about budgeting is that is requires a l-o-n-g time.  Most individuals who do not learn how to make a budget do so because they think they do not have the time to budget. But, if your budget is doing its task you should be able to budget with out a major disruption to your schedule. While some individuals function for different factors, most individuals function to spend the expenses.  Some even hate or begrudge their jobs.  But they continue to put in 40 plus hours a week to earn cash to spend the expenses. … Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - August 28, 2010 at 9:20 am

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Promises, Promises (To Yourself)

Connie writes in with a great question whose answer got far too long for the Mailbag: My biggest problem with money is that I lie to myself. I keep telling myself everything is going good and at first it is. Then I start slowly falling back into old habits but I keep telling myself everything is good. Eventually, everything is worse than before but I still keep saying everything is good, and then I’ve racked up thousands of dollars on the credit cards again. I don’t know what to do anymore. I think that lying to ourselves is something we… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - July 5, 2010 at 6:20 pm

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5 Things To Know Before You Buy An Extended Warranty

It is getting harder and harder to find a product that does not offer an extended warranty these days. It seems like every store now offers some sort warranty on some of their merchandises. For $3, $8, or $40, you can get an extra one, two, or more years warranty. And the pitch usually goes like this: “things usually break after the factory warranty runs out, with the extended warranty, you can bring it back and we’ll take care of you.” But, is it a good idea to spend extra money for the extended warranty? What You Should Know Before… Read the whole article...

Be the first to comment - What do you think?  Posted by Robert Wilkinson - April 26, 2010 at 4:20 pm

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How to Get Free Financial Help and Give It

Struggle. When whole communities are affected by bad news and financial challenges, moods and momentum slow way down. It’s hard to find the way out of the downward spiral. I say turn that spiral in the opposite direction and lighten up together. Photo by blmurch via Flickr What’s an opposite spiral? Essentially, every person we touch is a communication point. Since women are connectors, we are innately built to help one another in this networking way. You help Chandra. Chandra helps Claire. Claire helps Jill. We spiral out. Now’s the time to offer your networking circles to your communities. Lend… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - April 21, 2010 at 11:20 am

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Should You Hire a Financial Adviser?

As you start to build up your net worth, the question of whether or not you should hire a financial adviser becomes more important. However, the answer is not a simple yes or no. Some people do quite well without a financial adviser, some people need one, and on rare occasions, some wish they never had one. Even though I’m a financial adviser, I don’t believe that everyone should hire a financial adviser. Photo by Miguel Virkkunen Carvalho via Flickr In fact, I don’t think anyone should hire a financial adviser unless and until they can answer two questions: 1. What… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - April 8, 2010 at 12:20 am

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Other People’s Priorities Don’t Have to Be Your Priorities

Kelly writes in: In the past three months, I’ve paid off all but $2,000 of my credit card debt. I feel happier about my money than I have in a long time. The only problem is that my social life seems to be falling apart. I don’t have as much interest in the things my friends are spending their money and time on and I find myself doing other things a lot. What do you suggest? Bear with me for a second as I go down a bit of a strange road. I’ll admit it. I’m not a good housekeeper,… Read the whole article...

1 comment - What do you think?  Posted by Robert Wilkinson - March 14, 2010 at 12:20 am

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