What would you say if I told you that there are not just thousands, but billions of dollars of what some would call “free money”? It sounds too good to be true right? In some ways it is, there is not just a giant pile of free money out there for anyone to claim. Unbeknownst to many however, there are billions of dollars of unclaimed money held by local, state, and even the federal governments. While this money is “free” in the sense it does not cost anything to receive, it is not as simple as anyone walking up to the government and holding their hand out for their share of “free money”. Continue reading
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Are Mail In Cash For Gold Services Worthwhile?
A quick Google search of “cash for gold online” brings up around 97,000,000 hits in .34 seconds. You will see Cash4Gold.com, Expressgoldcash.com, Empiregoldbuyers.com, goldkit.com and many others all claiming that they can give you a good amount of cash for your unwanted gold – and in many cases within days of you sending in your gold. This post aims to examine not only how this process works but also the pro’s and con’s of these companies and whether there are any other options for getting good money for old jewelry you have laying around. Continue reading
Life Insurance In Your 20’s?
Life insurance is interesting because unlike other insurance policies, such as homeowner’s or auto insurance, everyone is going to eventually pass away and cash in on their policy. Although this is true, many young adults do not see the benefits of purchasing a policy at such a young age. To be fair, the need for the benefits of the policy may be lower in earlier stages of life. There may be however, still benefits to investigating the purchase of a life insurance policy while still at a young age. Continue reading
College Students: What To Do With Extra Cash?
Whether it is from a birthday, holiday, or savings from a job you worked – as a college student or recent grad it is a good feeling to have a few hundred unplanned bucks on hand. While it is tempting to finance your next party or buy some new kicks with that money it may be time to be a bit more fiscally responsible with your savings. Here are some ideas as to what young adults can do with a bit of extra savings. Continue reading
The Wisdom of Generation Y
When we think of wisdom when it comes to the economy and business most people think of company CEO’s and Board members. After all, these are the individuals who have walked the walk; they have been through the battles of business and the job market and survived. Their experiences must have given them some sort of right to be “wise”. The post – recession job market however, is very different than the one all of these people’s experiences come from. In this new unsettled economy it may actually be the younger generation of the workforce that can lend some advice, or wisdom, to the older generations. Continue reading
Investment Banking Ethics and Grey Areas
The term “investment banker” has a very strong negative connotation in American society, especially in the aftermath of “The Great Recession”. They are often characterized as greedy and selfish individuals whose sole purpose is to make money at the expense of others. The public typically blames the personal traits of bankers for the scandals that make headlines. While it is certainly true that the actions of investment bankers played a huge part in the latest financial meltdown, is it possible that these scandals are caused by the huge amounts of “grey areas” that there are within the industry and the hyper-competitive cultures at firms as much as the personality traits of the individual bankers? Continue reading
Controlling Holiday Debt
It’s hard to believe that it’s already time for costumes and trick or treating. And after that it’s only a few short weeks until Thanksgiving and the “official” beginning to the holiday season. While a season of so many good things, such as spending time with family, religious holidays, and time off work, it can also be a season of financial stress. This is especially true when the credit card bill for the Holiday’s comes around in early January. Here are a few tips to keep in mind to try to keep the levels of financial stress to a minimum as the official beginning of the holiday season draws closer. Continue reading
National Debt Part 2
In part two of the national debt topic, I want to examine what the possible leaders of the United States say they will do about the deficit. The previous blog showed just how big of a problem the national debt is and why this matters for average Americans. While both candidates say they want to reduce the deficit, which plan is more likely to really reduce the country’s yearly deficit and get the nation closer to a balanced budget? Continue reading
National Debt Part 1
Continuing a focus on election issues for this November, I wanted to take a look at another hot-button issue this election season: the national debt and deficit. Most people understand that this concept of the government holding masses amounts of debt is probably not the best thing, but few really know why and how it affects them. In the first of a two part series I will focus not only on the current situation of the debt of the United States, but also what this means to it’s citizens and future Americans. Continue reading
Bail Out Facts
As election season gets in full swing, I wanted to take some time to look at some of the financial issues that are sure to come up. We all know politics, elections, and even politicians themselves are prone to glossed over facts that make positions look better. Therefore it is important for every voter to know the facts before the election rolls around so that they can make the most educated decision possible. The decisions from the leaders of this country are important, whether you are just starting out on your credit journey or have years of experience with credit and debt. The first topic of conversation: the infamous bailout. Continue reading
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