Money & Finance

Horse Owners Fighting a Fire

February 12, 2018

Those who were able to corral their horses and lead them to safety found that after the fire there was nowhere for the horses to return.

The devastating fires in California burned more than 330 square miles damaging homes, displacing animals and causing loss of life.

Horse owners were fighting the fire and trying to save their animals any way they could. One woman managed to squeeze her pony into the back seat of her Honda Accord.

Those who were able to corral their horses and lead them to safety found that after the fire there was nowhere for the …

9 Steps To Protect Yourself From Identity Theft

January 9, 2018

No Comments

Unfortunately, we live in a time when identity theft and fraud are running rampant. Almost every month we hear of major security breaches, with companies like Yahoo, Uber, Equifax, and Dropbox all compromised.

When these types of breaches occur, millions of usernames and passwords are hacked, often resulting in identity theft and fraud.

So what can you do to protect yourself in 2018? What steps can you take to ensure that you don’t get hacked?

We’re going to break down the how, what, and why of protecting yourself, touching on everything from your digital accounts to your bank account.

Many …

Money Is Not a Source of Creation

November 13, 2017

No Comments

Possibility does not come from money. It is about what you can choose and what you can do because of choices that create greater possibility.

A lot of people think of money as a tool for creating, but money is not a source of creation. You are the source of creation that creates money. Money is a lazy pile of shit. It doesn’t want to work that hard. You, on the other hand, are not a lazy pile of shit. You like to work hard because it makes you happy.

Are creation and creativity a source of money? No. Money …

20 Business Ideas for Young Entrepreneurs

September 6, 2017

No Comments

For young entrepreneurs, nowadays the sky is the limit. Discipline, self-motivation and hard work are some of the key qualities to master if you want your business idea to succeed.

Entrepreneurship has taken a new form in the past couple of decades. Modern technology, the widespread use of the internet, and gadgets galore have made it possible for anyone to come up with a business idea and try it for themselves be it online or offline.

For young entrepreneurs, nowadays the sky is the limit. Discipline, self-motivation and hard work are some of the key qualities to master if you …

Popularity or Success: Which Brass Ring for You?

March 24, 2017

No Comments

The two biggest accolades you can receive as a team leader are popularity and success. The question becomes which of the two holds the greatest leverage on you.

The two biggest accolades you can receive as a team leader are popularity and success. Unfortunately, most of us are driven more by our fears than by the promise of accolades. The two greatest fears for most leaders on point are the fear of failure and the loss of popularity within the team. Few people willingly accept the stigma associated with failure, and it is hard to fathom anyone actually wanting to …

How Much Does That Home Renovation Project Cost?

February 11, 2017

No Comments

Renovation requires careful planning, which includes budgeting, timing and a lot of contractor interviews if you want to find the right person and price.

By: Stephanie Lynch

Renovations, depending on what you want to be done, can be all over the place. Some jobs can be in the low thousands, while some extensive jobs could be as much as your home mortgage.

If you’re thinking about any home renovation project in the future, let’s dig deep and see what the job may cost you.

What determines the cost of renovation?
It goes without saying that the more extensive the project …

2017 Consumer Electronics Show Highlights

January 11, 2017

No Comments

Although, there were many interesting exhibits at the 2017 CES, I visited only areas that might interest baby-boomer women.

From the many interesting exhibits at the 2017 CES, I selected the following products for my review:

Reliefband: Drug-free relief from nausea, retching and vomiting

This is a wearable “smartband” that uses the body’s natural neural pathways to regulate the mechanisms causing nausea, retching and vomiting.

When activated, the device emits gentle pulses to the P6 pressure point of the median nerve on underside of the wrist. These intermittent signals modulate the body’s natural neural pathways and block the sensation …

Ten Tips to Protect Seniors from Financial Crimes

December 29, 2016

No Comments

Thieves frequently target seniors for many financial crimes including burglary, robbery and personal theft. Don’t be a victim.

Sweet, trusting, kind. These are three words most people use to describe their aging parents or grandparents. But unfortunately, a growing number of people are adding the word “victim” to the list.

According to the U.S. Department of Justice’s Bureau of Justice Statistics, each year, tens of thousands of senior citizens are victimized by crimes motivated by economic gain. Thieves frequently target seniors for the crimes of burglary, robbery and personal theft, sweepstakes and telemarketing fraud, home-improvement scams and identity theft.

Experts …

Hard to Buy Holiday Gifts

December 16, 2016

1 Comment

There are likely some names on your list that don’t fit into a predefined group of friends or family. Here are some ideas for gifts to give this holiday season.

By: Amy Nicole

After writing down all the holiday shopping you need to do this holiday season, there are likely some names on your list that don’t fit into a predefined group of friends or family. Your kids’ teachers and coaches; your boss and colleagues; babysitters or nannies; mail carriers; and even your hairdresser are all people who deserve a little something extra around the holidays for making your …

Preventing Identity Theft

December 13, 2016

No Comments

You must take steps to prevent your identity from being stolen. It can take years to clear it up, so a little prevention is the answer.

By: Chris McElroy and Jennifer Tarzian

Did you know that in some states Identity Theft is not even against the law? The theft of your personal information, such as social security number, driver’s license number, credit card and bank account numbers, and mother’s maiden name must be carefully guarded.

What is Identity Theft?

It is the theft of your personal information, such as social security number, driver’s license number, credit card and bank account …

Financial Stress Caused by Debt

October 19, 2016

No Comments

If you are behind in paying your bills, you can expect to hear from a debt collector. These calls can cause you a great deal of stress.

Debt Collection

If you are behind in paying your bills, you can expect to hear from a debt collector. A debt collector is someone, other than the creditor, who regularly collects debts owed to someone else. Lawyers who collect debts on a regular basis are considered debt collectors, too.

Debt Relief Services

If you’ve maxed out your credit cards and don’t know how you’re going to pay off your debts, you may think …

Maximum Return on Your Credit Cards

October 18, 2016

No Comments

Most credit cards now offer reward points, cash back, 0% transfers, credit monitoring, discount gasoline or money-market savings.

By: Francis Kier

There has been an explosion of credit cards that specialize in certain benefits over the last five years: reward points, cash back, 0% transfers, credit monitoring, discount gasoline, money-market savings, etc. So how do you get the most return from your card, particularly when their plans change?

(Presuming you never, ever carry a credit card balance – interest charges and potential fees will more than consume any side benefit that a card can offer.)

In the old …

How to Get a Free Credit Report

September 18, 2016

No Comments

Many consumers do not know that everyone is entitled to a free copy of his credit report from each of the three credit bureaus each year.

By: Daphne Succes

TransUnion, Experian and Equifax provide your credit report to loan officers, credit card companies, financial institutions and anyone whom you give permission to obtain a copy of your credit file.

If you are applying for a credit card, mortgage, car or personal loan, you should be familiar with the information included in your credit report. You are issued a number, known as a FICO score, which is calculated …

Options for Senior Living Communities

September 12, 2016

No Comments

What are your options for senior living communities if you are an independent and active senior? Top communities have wait lists for new residents.

By: James Connolley

Once upon a time, independent seniors did not have many options available to them when it came to retirement living. Retirement communities were largely dull and drab places that were reserved for the seriously infirmed. They certainly were not communities were active, vibrant people wanted to live. Times have certainly changed in the past decade or so as more and more people are actively choosing to live in retirement communities. In fact, …

How to Manage the Never Ending Paper Trail

August 29, 2016

1 Comment

Your obligation is to understand the paper trail before you begin shredding. I pieced together fractions of clues to find money that was never listed.

By: Stefania Shaffer

It hardly seems fair that as soon as we pay bills, review statements, manage family calendars and school cubbies for the month, all of this ironing out will inevitably become all bunched up again when next month’s paperwork requires the same attention.

When it’s our own personal finances, it is easier to put aside organizing—waiting until you have the time. This could be months down the road for busy people because …