Credit Card Fraud Stats – Protect Yourself from Being Scammed

Credit card fraud is no longer new. You hear about it every day and it comes in various ways. Even tech experts cannot always prevent this type of crime from happening. However, obstacles can be created to make it tougher for the scammer to obtain access to your card and card number. It is important that you treat your credit card and account number like cash. This is one way to fend off any potential misuse. It's important that you learn several techniques on how to protect your account from Read more [...]

5 Hacks to Fly for Less

I’m sure you have a lot of getaways planned for spring and summer buy you know how airfare takes a big chunk out of your travel budget, right? Finding ways to save on accommodation, food and activities is easy but what’s challenging is to find cheap air tickets. So in order to help you feed the wanderlust in you without making a big damage on your bank account, here’s a list of helpful hacks to fly for less. 1. Make sure to plan in advance. If you want a reasonable price, don’t Read more [...]

6 Grocery Shopping Tips to Save Money

If you’re on a budget, grocery shopping is one of the chores that you need to master and be smart about.  It’s a significant expense in every household that eats up a big chunk from your monthly budget. If the idea of grocery shopping already excites you, congratulations because you are now officially a responsible adult.  But don’t let the excitement get to you or you’ll end up overspending at the grocery store!  I, myself, am guilty of that.  Thanks, to unnecessary purchases Read more [...]

Renting vs Buying a Home: The Good & The Bad

To rent or buy a home, that is the question. To own a home is a life goal for most Americans.  However, not everyone is financially equipped to do so. Home ownership isn’t always the best decision, nor is renting better than owning.  Both  have their own pros and cons, so let’s discuss them one by one. Renting The Good: It gives you flexibility. If you have plans to relocate in the near future, because of your work, family or just because you are not sure where to settle Read more [...]

Setting Up a Budget for Your Next Vacation

Spring is here and for most of you, it’s that time of the year when you begin planning for your upcoming spring break and summer getaways!  But planning isn’t just about choosing where to go.  The most important part of it is setting up a budget to make sure that you will be able to afford the trip and avoid going broke after. To guide you, here are the things that you need to consider when creating a budget for your vacation. Transportation This may take up the biggest part of your Read more [...]

You Need a Plan

Even you're scraping by on a minimum-wage job, you need a budget. The basic plan is pretty straightforward: Total your income from all sources Estimate you total expenses Calculate the difference If the difference is negative, you need to figure out how to fix that! You can either increase your income, or decrease the outgo, or both. The easiest way is usually to decrease your outgo. If you have been caught up in the credit card trap, the first step is to cut all of them up. Read more [...]

Do You Have a Privileged Relationship? Not With Your CPA!

So, have you heard any juicy stories lately? Have you told any? You know, like that income you forgot to report on your tax return, or fake deductions you took on your business?  Do you think you have a privileged relationship with your CPA? Whatever you do, don’t tell me! I don’t want to hear it! Yes, even though I am a CPA and am fully qualified to help you with your tax problems, please do not tell me your guilty tax secrets, especially if they involve criminal intent (aka you knew what Read more [...]

Want to Cruise? Avoid These Money Traps!

Cruising can be one of the most economical modes of vacationing, considering what you get for your cruise fee, namely, a floating luxury hotel that travels to several ports. All of the meals are included (well, sort of... see below), and you only have to unpack and re-pack once. Many of the amenities are no extra charge. Cruising has been one of the favorite activities that my wife and I have done for the last several years. My wife likes it even more than I do -- she wrote the book that you Read more [...]
ShutterStock image licensed by Ruby Andrew

How to Save Money & Frustration While Traveling

Traveling to a holiday destination or on a business trip can be a delightful and exciting experience. However, every trip starts with planning chores and precautions many are loath to do. Without proper planning, holidays easily degenerate into expensive nightmares. This doesn't have to be so, if you: Do your homework This is the most important part of a trip. Most people prefer exotic locations for their holidays, which inadvertently mean they have no clue about the place. It is therefore Read more [...]

How to Get the Best Deal on College Education

Do you know of any jobs that require you to have a college degree for them to even consider you? Ummm, yup, pretty much all of them. College is incredibly important these days. If you want to get ahead (or at the very least keep up with everyone else), it is almost a certainty that you should not only attend college, but that you should receive a Bachelor’s degree as well. Many people understand that college is important, but the next question is, “How can I possibly afford it?” Tuition Read more [...]