Get $50 Cashback Bonus | Lending Club vs. Prosper Free Report


About Me | Contact Me | My Ramblings  


Featured Article

Free Federal Return, Simple or Complex, with TaxAct

This is cool.  TaxAct is offering free IRS (Federal) Return for everyone no matter if its a simple or complex tax return.   All e-fileable forms are available for every situation and TaxAct guarantees a maximum refund. The service also comes with free e-mail and audit support. To file your federal tax return for free visit […]

Continue reading →


Choosing An Accountant for Your Business

March 23, 2014 | Education | No Comments

Whether you’re a fledgling start-up or an established company, nothing is more important than your books. It’s for this reason that so many small business owners seek professional accountants to help them manage their budgets and navigate their finances. But how do you know which “number people” you can trust? Here are three tips for finding a reputable expert.

1: Know Their Specialty

Most accountants have some kind of specialty in the world of finance, like tax preparation or small business expansion. If you have a particular need that’s driving you to seek out an accountant, look for a pro in that area.

2: Ask For Referrals

You can’t rely on just anyone when the future of your business is at stake. Pump your friends and fellow business owners for information on their bookkeepers. You might also contact the local charter of the National Society of Accountants (NSA) and request phone numbers.

3: Dig Through Their History

Once you have a pool of likely candidates, check their backgrounds and references for things like complaints, scam reports and criminal records. If you can’t find this information by yourself, ask them for it directly. Those with nothing to hide should have no problem handing over the paperwork.

These are just three ways to vet potential accountants. Remember, they’re going to have an all-access pass to sensitive information about you and your finances, so a high level of scrutiny is encouraged. Don’t allow them to shape your future if you think they’ll mishandle it. Find an account in the UK at

Do’s and Dont’s of Payday Loans

February 26, 2014 | Loans | 1 Comment

If you’re in the market for a California payday loan, you’ve probably realized already that you have a number of options. However, just because they’re broadly available doesn’t mean they’re always easy to use. There are some distinct strategies you should be using if you want to make use of payday loans, both for optimal returns and your own financial security. The following are some simple tips to keep in mind if you want to move forward with a payday loan.

First of all, you absolutely need to get clear on the interest rates and conditions that apply to the loan. You may be approaching the loan with the idea that you’ll pay it back within the week, but it’s still important to know what the conditions of the loan are. If something blindsides you and keeps you from paying your loan back, you need to know what you’re getting into. In that circumstance, you’ll have enough on your plate to worry about already.

Following that, you’ll want to look into the terms and conditions that surround getting an extension. This isn’t always going to be available. Some states require that there be an extension process. Some companies allow it on their own terms. Either way, you need to understand what it takes to qualify. Not qualifying for their extension process doesn’t rule out the use of a loan, but you should still know whether or not you could apply for one if you needed to. Conditions allowing for an extension usually relate to your employment or ability to provide collateral, rather than your credit rating.

It’s very important that you don’t plan to pay off a loan with another loan. This isn’t a sustainable process, even if it seems to be. Sooner or later, the interest will catch up to you. It’s best to have a backup plan if something might prevent you from paying off a payday loan, as this can prevent your finances from suffering even further as you try to keep up with your debts with more debts.

There are proper ways to manage a payday loan to make them work for you, but they require you to keep yourself informed and on top of the situation. Always do your homework and your due diligence when you choose a payday lender, and be sure you have a backup plan in case things go sour. Don’t leave anything to chance.

Will Obamacare Help or Simply Create More Medical Debt?

December 22, 2013 | Financial Tips | No Comments

obamacareWhile Obama has passed the Patient Protection and Affordable Care Act (PPACA) or simply Obama care, it will only benefit a certain population while the rest of the country shoulders the burden.

First of all, everyone in America is going to have to buy some form of health insurance. This could be a difficult task for some people who are already struggle with their own debt, living from paycheck to paycheck. This will only add another fee in their very tight budget. With rent, food, and transportation costs rising, health insurance may be the last thing on their mind There may be ways to subsidize the cost, but middle-class earners who earn just above the threshold may be left behind and forced to pay extra.

Your children could be insured to till the age of 26 which is sounds fantastic, but it may not necessarily be enough. New graduates are already faced with a great challenge of finding work and many of them are underemployed, earning less than their education. According to CNN Money, the class of 2013 college graduates average about $35,200 in college debt. It may take them several months, or several years to find a steady paying job. Supporting themselves is already difficult enough and adding healthcare in their budget could take away money that would be used to pay off their college debt. Learn your options to lift the burden of medical debt.

Although it may be a monetary burden for some, it may create medical debt relief for others that have been barred and discriminated in the past. Under Obamacare, an insurer cannot drop you based on a previous year’s medical records. This will also open doors for people that could not qualify for health insurance in the past. It can also benefit people that have a lifetime maximum limit. With that removed, medical insurance could cover much more than before. Also, free preventative health care could cover hundreds of dollars’ worth of expenses that people normally pay out of pocket every year. Flu shots, preventive screenings, checkups, and others could be covered under this new Act.

But to pay for Obamacare, higher premiums, higher Medicare taxes, and smaller tax breaks could be foreseen in the near future. In order to have the Patient Protection and Affordable Care Act actually be “affordable”, the cost of it would be paid out of normal hardworking Americans. This solves the problem some for people with mounting medical debt, but others with little to no health problems will see this as a burden, leaving them a smaller paycheck every month. This is going to be a costly bill from a federal government already in financial trouble.

How to Keep Your Auto Insurance Low

December 10, 2013 | Insurance | No Comments

Most individuals who are looking for auto insurance in Phoenix want to pay the lowest rate they can while still obeying the laws of their state. One of the things a person can do to qualify for a low auto insurance payment is to maintain a clean driving record. A person with no traffic accidents is a better risk for an insurance company than a person with several accidents. Look at a few of the simple precautions a person can take to decrease the chances they will be in a traffic accident.

First, a person should have no distractions when he or she is driving. This means that a person should never text when driving. Talking on the cellphone, hands-free or not, is also a distraction. A driver who pulls over into a parking lot to make a call is making a decision that may help him or her to avoid causing or being in an accident.

Next, it’s a wise habit for a driver to stay at least a car’s length behind the person in front. Even if the road is perfectly clear, this distance gives a driver the few extra seconds he or she needs to possibly avoid an accident. This distance is even more important to maintain in the changing road conditions that can occur during a thunderstorm or a snowstorm. A driver who wants to maintain a clean driving record (and receive low monthly rates for auto insurance) will take every reasonable precaution on the road.

Taking good care of a car’s tires is another thing a person can do to improve his or her safety on the road. Tires with low tread do not have as much traction as well-maintained tires. This traction can help a person while he or she is driving in the rain, snow or ice. A person who is able to safely maneuver his or her car during inclement weather is less likely to get into an accident.

Finally, a driver who pays attention to what is in his or her blind spot is less likely to get into a traffic accident. Many accidents are caused when a person tries to turn or change lanes without checking the blind spot on the driver’s side. Cars can soundlessly approach and cruise in a driver’s blind spot. It’s wise for a driver to monitor that area as he or she progresses down the road.

Are You Considering Getting an MBA Online?

September 27, 2013 | Financial Tips | No Comments

Have you ever considered applying for an MBA degree online? A large number of students choose to pursue an MBA to learn new skills and boost their professional life. It can take up to five years to earn this degree. There are many online schools and campus-based institutions that provide MBA programs at an affordable price. Students can learn from the comfort of their home, set their own schedule, and keep their full time job during school.

Are Online MBA Degrees Worth It?

Most people who enroll in online MBA programs are looking for convenience or flexibility in time management. These programs are especially attractive to mid-career professionals. Once you join these classes, you can study online without traveling from place to another. Students can complete course work, view lectures, and connect with their pears on the Internet. Distance learning MBA programs take 10 to 15 months to complete. Prices vary from one university to another. Earning this degree online can cost you anywhere from $7,000 to $119,000.

Students who enroll in online MBA programs can increase their earning potential and gain new skills without leaving the workforce. Internet-based universities provide a greater degree of flexibility than traditional schools. The technology used for online programs is quite advanced. You have access to online textbooks, educational tools, forums, chat boards, and interactive software.

This postgraduate degree is extremely popular among entrepreneurs and business professionals looking to advance in their careers and even lead multinational corporations. Many universities offer scholarships or educational assistance to their best students. In order to apply for an online MBA program, you need a Bachelor’s degree from an accredited college, a resume, two letters of recommendation, and a GMAT score of at least 550. The admission process differs from one school to the next. Some universities and colleges require work experience, while others may accept TOEFEL or GMAT scores instead.

How to Choose the Best MBA Program

Before applying for an online MBA program, do in-depth research and ask for references. If possible, choose a regionally accredited institution. Norwich University’s online MBA is trusted by thousands of professionals from all around the world. Students who enroll in this program can earn an MBA degree in as little as 24 months. They can choose a concentration in finance, organizational leadership, or project management. Relevant coursework, technical support, and professional journals are available to those who join this program.

How to Divide Money and Assets After a Family Member Dies

August 27, 2013 | Quick Tips | No Comments

It is not hard to divide monetary assets after someone in your family passes away, even if the will does not specify exactly how much each person should get. If you only have a brother and a sister, you can just divide the money into thirds and distribute it evenly. If they also have children, you could give portions to the children directly, or you could allow your siblings to split up their thirds as they would like, keeping what they want and passing some on to their siblings when they desire to do so.

However, the trouble comes when there are physical assets to consider. These could include a house, a summer home, a car or any other large, expensive items. They could total at a higher value than all of the cash, but they cannot be broken up and given out. You also have to consider all of the smaller items, such as furniture and collectibles. They may not be worth as much as a car on their own, but the collective total could still be significant. How are you supposed to divide these things?

You have two options. First of all, you can sit down with your family members and see if people really want certain items. You might be ale to make a deal that, while not perfectly fair, makes everyone happy. For example, you might be glad to take the house for your family, your brother might want the summer home for vacations, and your sister, who already has two houses herself, could be glad to take the cars. You can divide the smaller possessions up in the same way. Again, this is to be done if there is not a will that specifically states who is entitled to which items.

Reaching a compromise like the one described above is uncommon, though, because someone is always going to feel like they got less than someone else. A home that is worth $500,000 is far more valuable than a summer cottage that is only worth $200,000. People may not be happy with what they get. Your second option, then, is to sell everything. You can even do this at auction for the smaller items. Once you have converted all of the physical assets into cash, you can then easily divide the cash among the three of you. To learn more, feel free to check out

Making the Case for a Life Settlement

July 25, 2013 | Insurance | No Comments

life-settlement-proccedsIndividuals who have a life insurance policy may feel they have limited options based on the terms that are included with their policy. Many senior citizens often let life insurance policies lapse or cash out an unnecessary policy for a small amount of cash. However, life settlements for seniors exist which can be used to unlock the benefit a life insurance policy provides to beneficiaries.  

A life settlement is the process of selling a life insurance policy to an investor or third-party. A payment is made based on a percentage of the death benefit. This means a senior can receive a payment that will often be more than the cash value offered by the policy. Selling a policy for cash is better option for the policyholder than letting the policy lapse or simply collecting the cash value. A life settlement company will purchase and the policyholder will no longer retain ownership of the policy. The purchaser of a life insurance policy will be the one collecting the death benefit.

End Financial Struggles

One reason a life settlement may be a good option is to eliminate the burden of paying a premium each month to maintain a life insurance policy. Most seniors can choose to sell their life insurance policy for cash when making monthly payments if a financial struggle. Seniors can receive a lump sum of cash to use as a means of financial freedom. Life settlement companies provide a lump sum payment based on a variety of factors, such as current health and life expectancy. Find out more information on life settlement.

Considerations for Seniors

Senior citizens who need access to funds due to financial concerns may want to consider the use of this option. Selling a policy for cash does not limit anyone from obtaining any other insurance options. The best use of a life settlement is to take a vacation or even pay for a long-term care policy. Many options to how a cash payout can be used are available to seniors. They only need to learn about available possibilities.

Financial Empowerment

Seniors who are relying on social security or pension payments may not have enough funds to fully enjoy all the benefits of their retirement years. Life settlements offer a way for seniors to reorient priorities. This means other expenses can be paid without having to sell other assets to make up the difference. If a life settlement is used correctly, then any life changes that occur will not be a financial burden.

Contact a life settlement provider for more information about selling a life insurance policy. A representative will explain the process and provide an estimate of an expected payment for a policy.