Did You Let Your New Year’s Resolutions Slide Already?

by

We are officially one month into the New Year. How are you doing with your New Year’s resolutions? Have you been able to keep them? If you haven’t kept them, don’t worry. You are not alone.

In fact, it is estimated that 34% of those who set goals do not even keep their New Year’s resolutions into February. And, only 46% of Americans are still holding on their New Year’s resolutions after six months with only 12% finishing the year accomplishing their goals.

So, what should you do if you have let your New Year’s resolutions slide already? Here are a few tips to help you…

Start Fresh – Get Back On Track

Okay, you have had a slip with your resolutions and goals. It is no big deal. Get back up on the horse and go again.

Think back to that sense of drive and passion that you had on the first day of January and try to recreate that feeling. Forget that your slip ever even happened in the first place. Pretend that today is the very first day of the New Year and go again.

Read more

A Vanishing Deductible For Car Insurance May Cost You More

by

You may have seen all of the advertisements on television for a vanishing car insurance deductible. But, you may not know exactly how it works or if it is even worth your time and energy to investigate adding it to your car insurance policy. You know doubt have car insurance questions and probably want to know how a vanishing deductible work. What Is A Car Insurance Deductible? Most people who own a car and pay their own car insurance to understand what a deductible is. The deductible for your car insurance is the amount of money that you pay out of pocket should you need to file a claim and you are at fault. For example, if you caused an … Read more

Review Of Peer-To-Peer Lending Site – Prosper

by

Prosper is a Peer to Peer lending website similar to Lending Club that connects individuals who want to lend money to others who are looking to borrow money. It is appealing to both borrowers and lenders because it offers great rates for borrowers and great returns for investors. As an investor, Prosper allows you to skip the bank and deal directly with borrowers putting more money in your pocket. And, as a borrower, you can typically save several percentage points on your loan than what you would have received otherwise from a traditional lender. Investing With Prosper Prosper allows you to invest an amount of money, with which you can loan out to other individuals. The minimum amount to loan … Read more

Rigged Money by Lee Munson – Book Review

by
Rigged Money by Lee Munson

I was recently given the opportunity to review the book “Rigged Money: Beating Wall Street At Its Own Game” by Lee Munson. As you can probably tell by the book’s title, Lee Munson makes his case that the stock market is a rigged game set up for institutional investors and the fat cats on Wall Street. Lee Munson asserts that Wall Street is rigged to ensure that individual investors on Main Street are kept in the dark to continue to feed the system. Rigged Money includes a great combination of anecdotes and raw financial data to back up Lee Munson’s claims. Rigged Money by Lee Munson Rigged Money is a book that tries to convince you that almost everything that … Read more

Review Of TradeKing Discount Stock Brokerage

by

Are you looking for a discount brokerage to help you begin buying, selling, and trading individual stocks and options? TradeKing may be the website that you are looking for. They offer an easy to use website, excellent resources for education, and one of the lowest commissions on the internet for stock and options trades. TradeKing Has Very Low Commissions TradeKing is an online stock and options broker that is known for having very low commissions. It highlights fair and simple pricing: just $4.95 for stock trades, and $4.95 + 65 cents per contract for options trades. If you trade more than 8 options contracts, the per contract price drops to 15 cents. And, if you do multi-leg option-only trades, there … Read more

The Benefits Of Using A Mortgage Calculator

by

Using a mortgage calculatorIf you are considering getting a home loan, it is essential that you do your research and fully understand what you are getting in order to find the best mortgages and interest rate for you and your family. For many types of home loans, you can research great mortgages ahead of time by using a mortgage calculator to figure out your major costs and expenses.

How to Use a Mortgage Calculator

When you are using a mortgage calculator, you need a couple of basic pieces of information: the mortgage amount, the mortgage term (usually 15 or 30 years, but could vary), and the interest rate. With these key pieces of information, you can get an estimate of what your monthly payment would be, and it will usually include your payoff date as well.

Other Things to Look For

There are some good things to look for in a mortgage calculator.  One of the primary uses is to compare what different scenarios will do to your monthly payment. For example, you could change the term from 30 years to 20 years, or 15 years

Read more