Categotry Archives: Savings

A Credit Report That is Really Free!

Usually, when you get a “free” credit report, you have to enter a credit card. Then, if you forget to cancel your “service” you get billed after the “free” month. However, there is a credit reporting service that doesn’t do that. It is really free. They are hoping that you like the service enough to continue to use it – and they appear to have lots of happy “customers.” One minor glitch, however — it isn’t really your “offical” FICO […]

Choosing Your Entity Type

Choosing Your Entity Type

Self-Employment can be complicated! One of the best things you can do for yourself, if you have any sort of side gigs, blogging for money – any type of self-employment income, is to formalize the relationship of your work, by choosing your entity type. As an individual, you can easily file a Schedule C, using your regular 1099 income, deducting the direct expenses, and being done with it. If, however, you want a better tax environment, you might want to […]

Paying credit card bills? When is the best time for that?

When is the best time for paying credit card bills? If you’re anything like me, you have a credit card or two that you use mainly to amass “reward” points. One of mine gives me points to use anywhere (I normally just have the “points” translated to dollars sent back to my bank account, and the other gives me points to use on Amazon. (I LOVE Amazon, but that’s another story.) I know there are other, fancier credit cards that […]

Your Mortgage – Does the Mere Thought of the Word Scare You?

It’s Here! Our very first book – and one we are so excited about, too. Written by my friend,  Y. Patrick Mazor, (and edited by me), this book will open your eyes about what you never knew about mortgages – especially the one that counts – YOUR Mortgage – You Can Save Thousands by Realizing It’s YOUR Money! The book is available on Amazon.com,  (affiliate), and we are proud to announce that this is only the first in what we […]

Why You Should Loan Money to the Government

I’m a contrarian – that’s something you will probably always be able to say about me, and something you are likely to notice right off the bat. First, I start out telling you it’s okay to throw away food, and now, well, let’s see what anti-conventional wisdom I am coming up with next.  But before I go any further, let me just be very clear on a few things:  No matter what you think about taxes, whether they are fair […]