The Path to Something Better


Working at the same dead end job each day motivated me to go back to school. I wanted to get more out of life and have a better paycheck. I applied for SJSU financial aid and received a nice grant to take come computer science classes so that I could learn programming languages. I had a little difficulty with the courses because it wasn’t easy to understand the concepts behind how the languages worked. Programming is tied into math, and since my math skills are a little bit rusty, things became more complicated, although my math skills weren’t that great in the first place.

I put all of my free time into studying the course material and learning as much as possible. Continue reading


A Great Way to Get Cash

When my emergency medical bills threatened to ruin me financially, I decided to find a way to sell rare coins in Nashville to earn my way out of the dilemma. No one wants to sell rare family heirlooms, but I really had no other options. When it is a choice between paying the rent and eating or selling your grandfather’s rare coin collection, you will choose the latter every time. I don’t think my grandfather would mind too much, actually. He always told me before he died that he was leaving me the coins so that I could get myself out of a sticky situation one day. He just told me to make sure it was something important and to not waste them on trivial things.

I had a rough idea that the collection was worth quite a bit of money, but had never taken the time to have them appraised by a professional coin dealer. He’s got several rare silver dollars and some gold coins in there that look pretty old, so I figured I would get a nice chunk of change from them. At worst I would at least get enough to keep myself afloat for while pursuing other options to pay the bills.

So after looking online and finding a reputable dealer who I knew I could trust, I went in with the coins and awaited the news. They explained the specifics on some of the coins, specifics I don’t quite remember now, but even I was surprised at how much money I got from them. Apparently my grandfather had scored himself some very rare coins over the years. Whether he knew their full worth I’ll never know, but he sure pulled my bacon out of the fire by bequeathing me this wonderful collection. He’s still helping me out even though he’s been gone for years.


Using Professional Tax Preparation Software Can Help You Pay Less in Taxes

It’s that time of year again. I do not even think the people who are getting a refund are that happy to see it. It is tax time. You have to have all of your records and either see a professional tax preparer or get professional tax preparation software. I used to go to one of those tax places, then I started doing it on my own. Understanding more of what is involved in doing my taxes helps me keep better records and helps me to make better financial decisions. The goal is to pay as little tax as possible.

I remember the arguments this past election season about rich people not paying tax. Well, if you could use rules and laws to not have to pay a tax, why wouldn’t you? It just makes sense whether you are rich or working class to pay as little tax as possible. I like quality professional tax preparation software that asks me all the questions and shows me all of the options. I do not want to miss a deduction or tax break. Continue reading


I Got the Wake Up Call That I Needed to Be Happy Again

I know that I’ve made a lot of mistakes in life. The issue is that I have always been aware of it, and I didn’t do something about it. Change seemed so hard. I did what came easy, and in turn, it made life so much harder than it needs to be. I had an “aha!” moment after getting myself in trouble with my taxes. Thanks to getting an IRS fresh start this year, I feel like my life is setting down and I’m in better frame of mind on a daily basis.

As someone who is self-employed, it’s really too easy to get lazy about things that an employer typically takes care of for you on a daily basis. This happened with my taxes. I was told that I needed to pay quarterly so that I would not become overwhelmed with paying the IRS once per year. When my first quarterly payment came up, I ended up not paying right away so that I could get my air conditioner fixed. When my next payment was due, I found myself ignoring the invoice and buying some new clothing instead. Continue reading


Choosing the Right Kind of Overseas Insurance

When my boss told me that we had won a contract overseas, I was pretty excited. We had been trying to get across the border for a couple of years, but this was our first success. We were going to be able to set up shop on a military base in Afghanistan, providing support in our area of expertise. We have a full office staff to take care of most of the details for the paperwork, but he asked me to check into DBA insurance since it was something we never had to deal with before.

I had already researched this type of insurance off and on throughout the last couple of years when it looked like we could possibly win a contract, so I already knew a good bit about it. This was the first time that I was actually going to get some quotes though. Anytime private contractors are on a military base overseas providing freelance work, it is required by law that the workers are covered by DBA insurance. DBA simply stands for Defense Base Act, and it is mandatory for workers outside our borders. Continue reading


Learning About My Retirement Options

I had heard of the term Roth IRA before, but I really did not know anything about it other than it was about saving for retirement. When my ex divorced me though, I knew that it was time that I started taking care of myself. I had relied upon him to handle all financial matters, and I knew that I never wanted to be that dependent on anyone again. I am still young, so there is plenty of time to figure this out, but I wanted to get started sooner rather than later.

Most of my friends had been saving for their retirement for several years at that point, so they were able to advise me of a few things. One told me to go to the same website she had used to get information when she wanted to start saving for retirement, and that turned out to be the best advice that I could have. Continue reading


Hiring an Accountant for My Payroll Needs


When I first started my company a few years ago, I knew that I was going to have to get some help with payroll once the business grew a bit more. Since it was just my wife and myself, I was not too concerned about it. Sure enough, by the time I had three others working for me, I just did not feel confident any longer to do payroll. There were just too many things at stake, and I did not want to make a mistake. I went online and found after doing a lot of research on different accountants in the area. Continue reading


Working out the Details on Buying a House


Obviously we were prepared to spend some money and get rather little for it when we had to move to the suburbs of San Jose. The real estate market here is quite crazy and you have houses that cost a million dollars which would cost one third as much in other locations. We have been busy working out the details on buying a house. We have a realtor and a Morgan Hill mortgage broker working on the process. Relatively speaking we think that we are getting a fairly good deal. Continue reading


I Finally Understand How Much Money Can Be Saved on Groceries

I am an extremely busy mother. My husband works on the road about 80 percent of the year, so much of the parenting and taking care of our beautiful home is left up to me. I don’t mine because we both love our kids, and my husband takes good care of all of us. However, because we have four kids and I do not work, it is important that I do all that I can to save money. A girlfriend said that I really need start using coupons and that she uses cereal coupons that she finds on the web. I remember the days of cutting out coupons in the Sunday newspaper each week for my own mom. She used to pay me a few pennies to do it when I was a little girl. I was not sure I wanted to get involved with coupons now as an adult, though.

When I did our monthly budget last month, I found that we are falling further and further behind with our bills. Continue reading


Great Place to Learn About the Foreign Market

When I was looking for help finding the information I needed about the foreign stock market, I went online and did a few Google searches. I have a little experience with the US stock market, but I had read online a few days ago that it might be a good idea to look into the foreign stock market. I found this website during one of my searches.

Over the years I had been planning my retirement, and one of the ways I had been doing this was contributing to the 401K program that my job had. It was a easy way to invest in my future and thanks to my great company they matched everything I put in the account up to 50%. But a few years ago my brother told me about he had been investing in the stock market, to help with his retirement plan. Continue reading


What is Short Selling and Pairs Trading?

Figuring out pairs trading could make you rich. However, it is complicated and not a sure thing. Software is what helps you in this regard. There is no way to read about the thousands of trades going on at any one time. No one reads that fast. There is also no way for a single human being to absorb a 10 year trade history of any particular stock let alone thousands of them. For trading pairs, you also need to understand what short selling stock is. The terminology alone would keep the timid out of the game.

Short selling is kind of simple even though when explained it often sounds complicated. It is basically getting some stock that is available from a broker’s own inventory of the particular stock. You are kind of borrowing it but not really. Sooner or later you have to replace the amount of stock you got from their inventory with other stock shares. Now imagine you bought 100 shares of the Widget company at a dollar per share as a short sale. You are, in essence, getting it from stock shares the broker you are using already has. Continue reading


I Needed to Buy a New Bike

I have heard of short term payday loans but I have never had to get one for myself until just a few months ago. I ride my bicycle just about everywhere. I use it to get to work, plus I ride around town to various stores. I don’t have a car, and I really despise the bus. When my bike was stolen from my back yard, I reported it to the police. I didn’t have the money to replace it though, and the police weren’t optimistic about it being returned in good shape. I looked into short term payday loans because I knew that I could not go without a bike for even a couple of days.

I could ride the bus to work, but I knew that it would just be better to get another bike as soon as possible. Continue reading


Luxury Homes and Jumbo Loans


There are a lot of good high end homes in my area, but many of them are too expensive for the average person to live in. For homes like these, buyers need a jumbo loan to cover the costs. When I got my home, I had to find a way to get one of these loans, but I wasn’t sure how. I had never heard of the loan until I started looking at these houses, so I had to learn about it by doing as much research as possible.

I used the Internet to help me learn about jumbo loans. From various searches and websites, I learned how to effectively use the loan and the best way to apply for one. Continue reading


Best Medicare Advantage Plans for Year 2014

I am going to need to find a new plan to supplement my Medicare for the current year, as I was not happy with the coverage provided on my previous plan, and there were some gaps in the coverage that left me vulnerable from a financial perspective. I am not going to let that happen again, and as such, I need to find a site that has info on all of the medicare advantage plans in 2014 that are available at this point in time.

I guess that I am going to start this search right now, because I am not doing anything else, and it is important to me, that I figure out something in the near future. Continue reading


Getting out of Debt Via Negotiations

For people in debt, it can feel like there is no light at the end of the tunnel. It can be extremely depressing, especially for those people who are earnestly trying to remove themselves from debt. Thankfully, there are things in place that will help a good many people who have found themselves in over their heads as far as debt is concerned. There is a company that can be found at Here, professional debt counsellors are on hand to help mediate debt settlements for their clients. They are able to do this because of an Act that was approved to help people in debt.

Clients will give their counsellors a detailed history of their debt. In turn, these debt counsellors are able to contact the companies that are owed money. These companies actually prefer working with a debt counsellor over the person who has accumulated the debt. Firstly, they understand the negotiation methods that are used. Secondly, when debt has reached this stage. the companies realize that getting back a portion of the money rather than all is better than not getting anything back at all. They are more willing to reach a settlement that means they will at least get a partial payment, and they also understand that clients will honor these agreements more than if they have done something on their own rather than through a debt counsellor.

Typically, counsellors are able to reduce debt by 40 percent, though there are cases where they have reduced it by over half of what is owed. This is a win win situation for everyone involved. The person owing the debt is able to start rebuilding their credit through repayment, and the company does not take a complete loss on what is owed to them. This is helpful all the way around in the grand scheme of the economy!


My Friend Took out a Loan in Singapore

My family and I were planning on a trip to Singapore to meet with my close friends from college. When we arrived in Singapore, my friends picked us all up and drove us to our hotel. On the way we passed many local businesses and we saw a billboard which said singapore lowest interest loan is here. It suddenly made me reflect and think about my own success and the fact that I had never had to take out a loan in my life. I’ve also never been in debt which is a huge blessing. I then began to wonder how my friend of many years had been doing because he was always very vague about his job and situation. Continue reading


Tips for Sticking to a Budget

Once you have made a budget for your household, you might think that the hard work is over. However, it is actually just beginning; trying to stick to the financial plan that you have created for yourself is actually much harder than setting it up in the first place. If you don’t adhere to your budget, you could get yourself (and your family) in serious financial trouble. If you are able to stick to it, though, you might be able to greatly improve things for the people that you love. This article will help you figure out how to stick with the budget that you have created.

Your budget should allocate a certain amount of money that you can spend in the course of a week. Each Sunday, go to the ATM and withdraw that amount. Continue reading


A Beginner’s Guide to Investing

Imagine you’re in your living room, and you sit down on the couch after a long day at work. You turn the TV on, lie down, and let your hand idly rest between the cushions. But wait, what’s this? A hundred dollar bill? You wondered why your wallet felt lighter. However, you don’t particularly want to buy anything, and all the bills are paid. How can you make the most out of your newfound discovery?

Investment, of course. If you don’t have any use for money now, then let someone else use it for the likely promise of more money later. That’s how the basics of investing work. Many people get frozen up with investing, unfrotunately, because there are just so many options available.

One idea – and perhaps the simplest – is to just put the money into a savings account. Banks and credit unions offer interest on the money, and it’s definitely better than it sitting around and doing nothing. Continue reading