Hank Coleman

Hank Coleman is the founder of Money Q&A, an Iraq combat veteran, a Dr. Pepper addict, and a self-proclaimed investing junkie. He has written extensively for many nationally known financial websites and publications about investing, retirement planning, and even how to find the best return on investment. Hank holds a Master’s Degree in Finance and a graduate certificate in personal financial planning. Email him directly at Hank[at]MoneyQandA.com. Hank has written over 750 articles on Money Q&A. Learn more about Money Q&A on Twitter @MoneyQandA and @HankColeman. Subscribe To Money Q&A If you want to learn more about taking back control of your money please subscribe to Money Q&A’s RSS feed or via email to receive all the latest articles! You can also subscribe to our Free Weekly Newsletter.

4 Things to Consider Before Having an Elderly Parent Move in with You

by Hank Coleman

According to recent studies on multigenerational caregiving conducted by the Pew Research Center, 12% of U.S. parents are also caring for an adult at the same time. This may include adult-aged offspring with developmental disabilities or elderly parents who have moved in with their children. It’s not unusual for elderly people to move in with their children or other relatives as they get older, lose the ability to maintain independent lives, and/or cannot afford to hire the caregiving help they need to fulfill their personal needs and household tasks like laundry, washing dishes and vacuuming. Sometimes the elderly parent is fully capable of caring for themselves but the costs-of-living have risen to high that they can no longer afford living … Read more

CoverWallet Review – Simple and Fast Small Business Insurance Quotes

by Hank Coleman

Running a business – even if you’re just a sole proprietorship – is one of the most challenging, yet rewarding things you can do for work. Of course, it’s not just about balancing revenue and expenses, satisfying your customers, and growing your brand’s presence in the market – you also need to cover your bases in other ways, such as properly insuring your business against potential problems. The issue with commercial insurance is that it can be incredibly complex and costly if you don’t thoroughly research your available options before deciding on a policy. For businesses operating on particularly tight margins, choosing the right business insurance could mean the difference between shutting your doors and staying competitive for years to … Read more

You Should Be Haggling for Discounts Everywhere

by Hank Coleman

My anniversary is coming up soon. And I’ve stalked my wife on Pinterest looking for gift ideas. Pinterest is the perfect place to find gift ideas for us clueless guys. And I’ve found the perfect gift. The problem is that it’s expensive. Even eBay (EBAY) is pricey for the designer sunglasses that she wants. Then a brilliant idea hit me: I should ask the seller on eBay for a discount. The online retailing giant opened a proverbial can of worms when it started allowing sellers to add the “or best offer” option to auction listings. Even though this listing didn’t allow for haggling for discounts from its “buy it now” option, I thought I would try anyway. So I emailed … Read more

How to Save a Fortune Using Coupons and Loyalty Cards

by Hank Coleman

How To Save Using Coupons And Loyalty Cards

You can save using coupons. I struggle with it though. I throw them away actually. I don’t mean to throw away coupons. It just happens. I stick them in my pocket, wait in line, go to the register and forget to use them. I also don’t return to the store and ask for my missed discount. You might think that it’s not such a big deal. What’s a dollar here or there? But, like most small things, these missing savings can add up over time. Have you ever looked at the savings printed on the bottom of your grocery receipt? What if you forget your loyalty card and coupons more often than not? We’re talking about some serious money if this … Read more

Why Are You Wasting Your Reward Points?

by Hank Coleman

You may not be fully aware of it, but you’re probably sitting on your own personal treasure hoard: a stash of airline miles, hotel points or reward points you’ve earned through your credit cards. Are you wasting your reward points and frequent flier miles? According to statistics compiled by Points.com and its parent Points International (PCOM), a company specializing in helping consumers trade, exchange and redeem reward points, the average American is hoarding more than 61,000 reward points through various programs. Americans have more than 2.65 billion loyalty memberships — 21.4 per household. This would be fine if we were spending those points — but we’re not. According to a report by Forrester Research, only 16 percent of us redeem … Read more

Top 5 Crucial Things to Know About Homeowners Associations (HOAs)

by Hank Coleman

If you’re in the market for your first home, considering a move to another neighborhood or you want to invest in rental property, it’s important to know the ins and outs of homeowners associations before getting too far along in the home buying process. In a nutshell, a homeowners association (HOA) is a residential community governance organization that creates, implements and regulates rules for properties and residents within the community. If you purchase a home within an HOA community, you cannot opt-out of the membership and must pay HOA fees (typically on a monthly basis). Some people think negatively of HOAs because they’re often perceived as overly controlling and expensive, but there can be many benefits of living in a … Read more