by Brice Hogan I talked to a friend of mine recently who has a brother who he talked to over the Christmas season. They were chatting over how much he overspent for Christmas. He had mentioned to my friend that he had a lot of pressure to buy the coolest new thing which happened to be a video game for X-box and some other things to accompany it for his son. I cooked some dinner for my wife’s family and my brother in law was going out to dinner later […]

By Micah Richards I have heard about CraigsList, and people telling me how much easier it is from using Ebay. I decided to use it. I went through everything I could find. I was able to put together four lists on Criagslists. Within a month, I had a hit, and someone wanted me to meet with me. I had a sale. I was surprised on how easy it was. The first step is to write the description. I wrote short paragraphs. Nothing longer than a third of a page. After […]

(from Brice Hogan) Many people in the Financial Industry are really focused on helping people save for retirement. There is just one problem with that they do not take into account that most people have a very large debt load. So I will illustrate the power of paying your debt off versus saving while carrying debt. The Hardtimes Family is trying to get out of debt and at the same time try to save for retirement. They have $300 extra per month to invest their money for retirement. So they […]

One of the greatest evils of this modern generation was the advent of the Credit card. The modern credit card appeared through Diners Club, which was created partially through a merger with Dine and Sign, produced the first “general purpose” charge card, which is similar but required the entire bill to be paid with each statement; it was followed shortly thereafter by American Express and Carte Blanche. Western Union had begun issuing charge cards to its frequent customers in 1914. Bank of America created the BankAmericard in 1958, a product […]