Millions of people have little or no savings. In fact, according to one recent report 64% of households have less than $1,000 in the bank. That’s the majority of Americans! And in today’s world, $1,000 just isn’t that much money. I’m going to take a guess here and say that it’s likely that the majority people don’t have any savings because they never starting saving money in the first place. If most of your paycheck goes to paying bills and... Read more
“Go to the ant, you sluggard; consider its ways and be wise!” Proverbs 6:6 Ouch! Talk about an insulting verse. I’m a human being, and my intelligence is being compared to an ant?! :) This is one of those verses that people love to quote, but hate to hear. The truth is that most of us could afford to be reminded of these verses every now and then. Making Goals Like an Ant Every time the New Year comes around,... Read more
Millions of people are now in work-at-home situations. Some work at home because they are self-employed, while others are home-based as part of their regular job. As many are finding out, work at home doesn’t necessarily eliminate the problems we face while working in an office. It just creates different ones. In order to be successful in a work-at-home venture, you need to be able to take control over those problems. Here’s some tips to help you do that. Create... Read more
We normally don’t think too much about life insurance. And since it’s a type of insurance that relates to the end of our lives, it’s the kind we really don’t like to think about much either. After all, health insurance helps to keep us alive, and auto insurance is required by law. But life insurance? But the reality is that if you have dependents, survivors, or simply people who love you, then you need to have a life insurance policy.... Read more
When it comes to travel, people do their homework with airfares and hotel accommodations. But often getting less attention is the third common travel expense, car rentals. There are ways to save money here, and you can save a lot if you are renting a car for a week or more. Try these tips and see if you can’t whittle down the cost of your next car rental. Sign up for Triple AAA You can save anywhere from 5% to... Read more
It may be hard to believe, but 2013 is almost here. And with a new year approaching, most of us take this time to reflect on what we’ve done this past year, as well as think about what we’d like to accomplish next year. For many of us, part of what we’d like to do next year is improve our financial lives. Does that describe you? Do you want to be in a better position in December 2013 than you are in... Read more
In the month after President Obama’s reelection, the first major hurdle facing the country is how to handle the threat of the fiscal cliff. But what exactly is the fiscal cliff? By definition, the fiscal cliff is the steep edge of a financial situation. The term was first used in 2010, in reference to the original expiration of the Bush tax cuts. Later, in 2011, it was used to refer to deficit reductions that would occur after the expiration of... Read more
An old fashioned term for the process of buying a property in foreclosure, buying a house on the courthouse steps is a way to get a real deal on a house–or to get into real trouble. The foreclosure process Foreclosure is actually a multi-step process that begins with “pre-foreclosure”. That’s the period of time after the mortgage/deed of trust first goes into default. At that time, the lender begins the legal process that initiates foreclosure on the property. This includes... Read more
What is Phonebooth? Phonebooth.com makes it possible to save up for 60 percent on your business phone bill. The business phone service provides business phone coverage for desk phones and enables you to send calls to any mobile phone. The company takes care of a business’ connectivity needs by delivering reliable on-demand business telephone features. Phonebooth provides versatile connectivity support as it eliminates middle men with its own telephone network system. Who is Phonebooth? Phonebooth is a division of Bandwidth.com,... Read more
The new year is the perfect time to review all things financial in your life. This includes your life insurance policies. Should you increase your life insurance in 2013? There’s a good chance you should, but only a review of both your current life insurance coverage and your needs will let you know that. Review your coverage if you haven’t in a while Life insurance policies should always be reviewed at least annually, but if you haven’t done so in... Read more
Faith and Finance
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