Personal Finance – Budgeting Thanksgiving

Dinner
Free turkey. Yes I mean FREE turkey! Many stores have promotions during Thanksgiving, where they give away a free turkey if you spend a certain amount on groceries. You will be buying groceries anyways, just make sure you make the bulk of your purchases during this promotion and enjoy the free turkey! Take some time [...]

DB(k) plan – New Way to Save for Retirement

Pension plans are almost extinct in the private sector, though once common in the workplace.
But the changes in pension laws that will go in effect in January could revive so-called defined benefit pension plans in a new form.
If a employer has 500 or fewer employees, you may see a new plan called a DB(k). It [...]

Retirement Planning – 401(k) match policy signals better job outlook

A new survey from Watson Wyatt suggests that employers are slowly coming out of panic mode. Of companies that cut their 401(k) match this year, 35% say they intend to reverse that decision in the coming six months. That’s a sharp increase from June when just 5 percent of companies said they were going to [...]

Budget divorce – 8 Tips For Cutting Costs

Divorce tips #1 – Do not call your lawyer unless it is absolutely necessary. Most lawyers bill in 1/10th hour increments (every six minutes), and all of the time you call them or leave messages for them counts towards this billing. This is true for most any type of law, but it’s especially important in [...]

A 125 home equity loan

A 125 home equity loan is a loan that you can take out against your house and it will exceed the value of the house that is borrowed against. There are some things that you should know about 125 home equity loans if you are planning to borrow money against your home.
When you are looking [...]

Do I need a Bankruptcy Law Attorney?

There are two main types of personal bankruptcy. Each type has different qualifications and guidelines which must be followed in order to file. You must adhere to the legal processes precisely and making sure that you are thorough in every aspect of your claim. Should you accidentally miss out some of your debts whilst filing [...]

Don’t transfer property before filing Bankruptcy

“I’ll just give my car to my daughter.” How many times have lawyers heard that or something similar from a client about to file bankruptcy.
Sometimes the client has the best of intentions: “she’s about to graduate college and I always promised her a car for a graduation present.” Or, the client is just [...]

Personal Finance – Lower your Auto Insurance Premium

Here are 10 prime factors that you have control over that most auto insurance companies consider in the formulas used to determine how much to charge you.
1. Switch Vehicles
Each vehicle is assessed a different risk variable depending on a number of factors, including category classification, crash test rating, price, cost of replacement parts, and even [...]

Personal Finance – How to Protect Your Identity

Every year an estimated 9 million Americans lose out to identity theft, according to the Federal Trade Commission. Experts say identity theft increases during the winter holiday season, which makes sense: all those credit card swipes and gift cards make plenty of noise to mask mischief.
So while you’re bustling around in holiday hoopla, slow [...]

Economic Recovery Investing Tips

Here are some things to consider as you begin planning your recovery investment strategy:
Investing tips 1 – Past economic recoveries
Many investors and economists are noting the similarities the current recession has to past recessions. Looking to see what sectors and types of companies have done well at different points in an economic recovery can be [...]

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