Financial Wisdom and Wealth

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The Federal Government is trying to usurp your freedom a little at a time. As it does so, our nation heads into full-fledged socialism. The Social Security program that was developed decades ago is an utter failure. Yet it’s goal was to let those who paid in during their working years to [...]

In hard pressed economic times, here is a simple device that can save you hundreds of dollars each year.  This device is called the Kill A Watt.
Now with Kill A Watt you can reduce your energy costs by identifying the real energy abusers. Simply plug your appliance into Kill A Watt and assess how efficient [...]

Instead of luring customers with cash rewards, American Express is paying to get rid of customers. They are offering selected customers $300 if they pay off their balances and close their accounts.
Here is the link: American Express offer
This offer is only valid for selected members, those who have a sizeable balance and little [...]

In hard economic times, everyone tries to cut wasteful spending from their personal budgets. Typically, one of the first to go is discretionary spending such as entertainment. However, some entertainment is still free!
At the public library, you can get books, CDs, DVDs, and often downloads of e-books and audiobooks. You already paid [...]

I recently received information from an e-mail concerning insurance for traffic tickets, of all things.  Appearantly, this is a new type of scam insurance where you pay $12.95 a month and they will pay the fines for up to 7 traffic violations per year. Sounds great, doesn’t it. However, this will ultimately lead [...]

Dividends are being cut at the fastest pace in at least 50 years, and many of the reductions are coming from U.S. companies investors have been relying on to provide income during the recession.
Here’s some advice: DO NOT RELY UPON OTHERS FOR INCOME! It’s called being self-reliant; you can learn a lot at [...]

Paying extra torwards your principle balance on your mortgage can be quite a blessing. However, it entirely depends on your individual situation, your goals, and your financial discipline and attitude. It is not for everyone, but it will certainly bring peace of mind. Here are some reasons that I would recommend that [...]

Previously to save electric costs, I use a programmable Insteon Dimmer Switch, which allowed me to turn a light on at a specific dim level. Hit it a second time, and it goes to full brightness. I put this in the bathroom, which used 10 60-Watt Globe Bulbs. Since the bathroom light [...]

There is actually a method to efficiently get rid of debt and becoming debt free. This is sometimes referred to as debt snowballing. Some people go as far as to even charge for this information, thus taking advantage of debt burdened people. However, here is the simple plan absolutely free!
Some people, like Dave Ramsey, suggest [...]