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5 Financial Products You DON’T Need

Pay day Loan

As a personal finance expert I often get emails from readers asking for my opinion on financial products and services they are considering buying. There are many things that people buy that are a waste of money. Most of the time you don’t need those items at all or can find less costly or free […]

What To Do With $1,000

Crossroads

The Upside Of Recessions Historically, recessions result in increased personal savings rates. We tend to cut back on our expenditures because we are unsure what will happen to our finances in the short term.  This has happened time and again. When the recession of 1973 to 1975 was at its worst, savings rates peaked around […]

Tax Shelters for Everyone

Give Me Shelter What do Helio Castroneves, Joe Francis, Nicholas Cage and Annie Liebovitz have in common? All of them had run-ins with the IRS last year for failing to pay the correct amount of taxes. Out of all of those celebrities Helio seemed to be the worst off. Castroneves was accused of hiding millions […]

How Much Is Too Much…

Do Not Duplicate Ever wonder where insurance came from? It seems it’s always been around. The roots can be traced back to Babylonian times, around 2100 B.C. The Code of Hammurabi was the first insurance policy. It was paid by the traders in the form of a loan to guard against the perils of transportation […]


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