8 Health Insurance Mistakes You Don’t Know You’re Making

Health insurance is one of those necessary evils in life. No matter how healthy you are or what kind of work you do, everyone needs to have health insurance. But choosing the right health insurance is not an easy task. Health insurance should be selected according to individual needs and circumstances -- it is not a one-size-fits-all sort of product. There is a certain amount of uncertainty involved in purchasing health insurance. After all, regardless of your current health status, it is im...

Homeowners: Do Your Own A/C Maintenance Instead of Hiring a Contractor!

Paying a contractor is expensive, and the last thing you want to do is fork over that fee every time your air conditioning unit acts up. This is why it is smart to learn how to do at least a basic level of maintenance on your A/C unit yourself. Replace your air filters at least once a month. If you live in a particularly hot or dusty area, you should change it more often. This is not debatable. Even if you think your filter has a little life left, go ahead and replace it. It’s better to be s...

Water Leaks Can Cost You: How to Find Them

Water damage is the kind of damage that always comes with a cost - in fact, according to HomeDepot.com, “Water ‘escape’ damage is the 2nd leading cause of home insurance claims nationwide.” So how do you prevent the leak that causes the damage before it happens? There are definitely signs to be on the lookout for during regular inspection of your home, which we’ll shed light on here. In the bathroom. If you consider that most of the things you spend time doing in the bathroom involve a water ...

The Importance of Researching Reputations Before Going Into Business With A Person

Before deciding to go into business with someone, it is extremely important to learn as much about that individual as possible. Just as you would do proper diligence on a potential financial investment, doing diligence on your potential business partner is a critical step, as it could have similarly far-reaching financial, emotional, and legal effects if you do not. Financial effects. You are about to invest massive amounts of your own valuable personal time in a business endeavor. Make sure ...

4 Do’s and Don’ts of Couponing

Even with the world economy slowly recovering, I still find myself coming up a little short at the register. The cost of everything seems to be going up; however, my monthly paycheck does not. I spoke with the experts in free coupons from Canadian Savers, wondering how I could easily save a few dollars here and there and they had plenty of great tips for both novice and experienced savers. Following these simple and logical do’s and don’ts has easily helped me save hundreds of dollars each month...

Get Out of Debt Fast Selling Your Unwanted Jewelry

With today’s high gold prices, it is a great time to cash in and sell your unwanted jewelry and use the money to pay off debts, buy new jewelry or stockpile in your savings. Gold prices continue to rise higher than they’ve ever been, making it an ideal time to get the most money for your gold jewelry. Selling gold is a good way to bring in extra cash for unwanted jewelry. Before you fork over all your gold jewelry to the first buyer though, you should learn some of the tricks of the trade to ...

How Bankers Gamble with Your Money: 5 Ways to Protect Yourself

It would be great if banks existed solely for the purpose of storing our money and helping us out with loans, investments, or other financial instruments when we need them. Unfortunately, banks are out to turn a profit - often at the expense of the very people they are supposed to be serving. Here are the five most common ways that banks gamble with your money - and how to keep yourself from getting shafted. 1. Junk fees on loans. Whenever you take out a mortgage, refinance your existing m...

Helpful Budgeting Tips For Young Adults

For most young adults, when the time comes to face the facts with finances they are not prepared. The truth is that budgeting is not a no-brainer, but it isn’t necessarily hard either. Unfortunately, personal finance courses are not yet a required course in high school or college, but they should be. Instead, many Americans are left to learn through a bumpy trial and error. This too, is not necessary. If you are willing to do a little bit of reading in order to get all the facts straight, y...

8 Things You Can Learn From Rich People On Budget Management

Have you ever noticed that the rich just keep on getting richer and the poor even poorer? It’s easy to assume that this pattern is a direct reflection of income, and while income certainly plays into wealth, it is not the sole determining factor in whether a person is rich or poor. Rich people who stay rich (as opposed to certain celebrities we read about who lose millions and end up bankrupt) keep tabs on their money. If we want to live like the rich, we first need to learn to budget like th...

3 Bad Spending Habits and Ways to Break Them

It probably took a recession for many Americans to realize how out of hand their spending had become. It was actually a little shocking to find out how so many people were in serious credit card debt, with seemingly no way out. If there was any good that the recession brought us, then it is to take a closer look at our spending habits. We’ve rounded up some pretty common and bad spending habits that almost everyone is guilty with, and not only that, we give suggestions on how to curb them. Read ...