(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 […]

I saw an advertisement to sign up for a credit card, and I would instantly be given a $30.00 back from the card company. It also had rewards program, which was similar to a lot of the other cards out there. Would it be okay just to sign up for the card to get the $30.00 back? I hope you all know the answer to this one. If not I will go over the fine print with you. You start with an APR of 16.74, and depending on your credit, […]

Today I received an email titled, free diapers for a year. I wanted to find out more. I have set up an email for coupons, spam, and what ever email we get now-a-days. Most the time I just delete all the emails. This time I decided to look more into the offer. The first page that came up was about the offer. I would be able to get free diapers for the year. Each week I would receive coupons which would enable me to do so. That sounded good. So […]