One of the most popular posts here on Wealth Bytes is how to sell a car on Craigslist. I wrote it after selling a few cars via the free site, so I wanted to share my experiences. I didn’t know it would become so popular. Due to the amount of visitors to that article, I…
Who hasn’t heard the saying “the early bird gets the worm?” It’s been one I’ve heard over and over again my entire life. The premise of this saying is those who get up early get more stuff done and have more opportunities throughout the day. Whomever starts first has the best chance for success. I…
It’s here my financial friends. The ultimate throwdown! Today, we pit two of the best financial tools against each other to see who comes out on top. That’s right, we are going to compare Mint.com and Personal Capital to see which free tool is better! I got this idea back when someone basically asked me: “Mint.com…
There’s a dirty feeling I get every time a check comes and I see that stupid tip line. I’ve never like tipping, not because it’s rewarding those who do their job well, but because it’s how employers use customer’s tips to pay their staff. There are many people who think tipping is good, but also…
I received an email yesterday from Capital One 360. Since I’m a member and have a checking and savings account with them, I was happy to see this change. Capital One 360 has been going through some changes, but they are making it a little better now. You can now deposit cash at Capital One ATMs! That’s right! It used to be a pain to deposit money into Capital One 360, especially cash.
Being buried in debt and struggling to make ends meet every month can stress you out and have a negative impact on your overall health. This type of stress is one thing that the wealthy never have to worry about. But there are other ways in which the income gap between the rich and poor is affecting our health, and that was the subject of a recent article on MSN Money. According to a study published in the Journal of the American Medical Association, while American eating habits did improve between 1999 and 2010 the improvements were not reflected evenly across the board.
One of the longer running pieces of personal finance advice is to never buy a new car. Seriously, most experts use the word “NEVER!” I am cool with that, especially as someone who has purchased quite a few new cars, I have learned my lesson. The justification of this advice is you can save a lot of money by just buying a car one or two years old. The majority of depreciation happens within the first year. After that, most cars depreciate on a sliding scale. Some do it slower than others, but I am not getting into that. So, let’s talk about this “never buy a new car” advice.
I talk a lot about cell phones and their respective services. Why? First, I love technology, absolutely love it. It is my weakness and the main reason why I started my e-commerce business back in the day. Second, I realize cell phones are very popular. Almost everyone has one and they are now a mainstay in our lives. Third, I feel everyone deserves the opportunity to get good service at a good price. I typically review and talk about discount services instead of the big boys, but that all depends on how I feel! I review these services to give anyone the opportunity to find a feasible solution to the big name carriers. Why do you need to spend $150 a month just for two smartphones? I don’t think so. Here, I will show you how to unlock your phone on the big carriers.
You’re frustrated at the end of the month because it feels like every penny you make goes toward paying bills, and you have nothing to show for your hard work. You see things that you would like to have, seemingly frivolous items like designer shoes or a new television, and walk away, thinking that because you don’t have the money now, you won’t ever be able to have what you want. You’re jealous of others. While it’s true that basic necessities like food and shelter cost more than ever, the real reason that most people aren’t achieving wealth goals has nothing to do with how much money is in the bank. It has to do with how they think about money.
Over the past decade, more and more people have found themselves deep in financial debt. While there may be some obvious reasons why some people have gotten into debt, there are also many other overlooked factors that could have led to their accumulation of debt. I have spent a good amount of my adult life in debt. I know how it feels. There is nothing fun about it, but that doesn’t mean it has to define you. Remember that you are the one in control of your money, so don’t let it take control of you. We all make mistakes and debt should be one that you only make once. I don’t plan on making the debt mistake again, so I hope you do the same.
One of the popular ways to build long-term wealth is to own your own home. While simply owning a home and paying down a mortgage over time will lead a significant amount of wealth creation, those that are looking to maximize the amount of equity that they could ultimately have in their homes should look for ways to improve their home. Those that are looking for home improvement projects to consider, here are six specific home improvements that could add the most amount of value to your home when you ultimately try to sell your home.
Insurance is on the forefront of everyone’s thoughts these days. With the new healthcare roll out in the US, people are wanting to know more about insurance. Insurance is actually a pretty easy topic to understand, but there are still people out there that don’t carry any insurance or just don’t really know how it actually works. I am going to go over the simple basics of insurance and how it works, just on a top level. There are many forms of insurance, which include health, car, home, marine, business, life, banking, and many more. Insurance is a part of our life, so we should take just a little time to understand how it works.
