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Billeater: Pay Off Your Loan in Half the Time with a Mortgage Calculator

By Guest Blogger(view all posts by savingtools.com)
at 11:36AM Wednesday September 1, 2010
under Personal Finance

Before the foreclosure crisis, people would have no problems buying a home with a 30-year loan. But since the foreclosure crisis, people are looking at their debts in a much different way. Many people know someone who is going through foreclosure, or they have been watching the news, and reading the newspapers. They know how volatile and frightening the financial market has become, and they are beginning to become less secure in a future that they once believed was solid.

And, with rates so much lower now, many can afford to pay a 15-year monthly payment just as easily as they used to pay a 30-year mortgage. The interest rates for most fixed rate mortgages are now under four percent. But that doesn't necessarily mean refinancing is the way to go. Not everyone has the stellar credit banks want these days to get a loan in the first place. What to do? Keep your current mortgage and pay it in half the time. Read More »

Buy Like Buffett: Three Good Things to Come Out of the Financial Crisis

By Guest Blogger(view all posts by Mark.Riddix)
at 11:29AM Tuesday August 31, 2010
under Personal Finance

If you turn to a business news channel, all you hear is bad news about the United States economy. Unemployment is high, jobs are scarce, and there are fears of a double dip recession. Commentators paint a worse case scenario and act as if the end of the world is coming. While much of the financial data is bad; there is some good news from the current economic crisis. It has caused more Americans to become fiscally responsible. Many Americans are taking steps to improve their financial lives.

Let's take a look at a few of the ways that people are making the economic crisis work for them. Read More »

Ask the Advisor: What are the Pros and Cons of 401k Withdrawal?

By Guest Blogger(view all posts by Kent_Thune)
at 9:47AM Thursday August 26, 2010
under Personal Finance

Question: I've been hearing a lot about 401(k) withdrawals lately. Is it ever a good idea to take money from my 401(k)?

Taking withdrawals and borrowing money from employer-sponsored retirement plans, such as the 401(k), made headlines last week when Fidelity (the leading retirement services provider) reported that employees withdrew money from their 401(k) plans in the second quarter of 2010 at the highest rate in ten years. Read More »

Buy Like Buffett: Three Reasons to Pay Off Credit Card Debt

By Guest Blogger(view all posts by Mark.Riddix)
at 10:21AM Tuesday August 24, 2010
under Personal Finance

What's the number one debt that most Americans have? The answer is too much debt. Debt does not discriminate. It plagues the lives of countless American from teenagers to senior citizens. Everyone is always trying to come up with strategies to pay off their debts. People are left wondering where to start. Should they pay off their auto loan, credit card debt or student loans first?

Here are 3 reasons to pay down your credit card debt. Read More »

Internet Sales Tax Just a Matter of Time?

By Guest Blogger(view all posts by Guest_Blogger)
at 1:19PM Friday August 20, 2010
under Personal Finance

Internet business have been blooming steadily each year and with the new growth comes the changes to the way business is being done. Tax related issues are often confusing to the newbie so it is imperative you understand the laws that govern your state, the Federal Government, and the Internet to make sure you are always in compliance. Read More »

Ask the Advisor: Why Index Funds?

By Guest Blogger(view all posts by Kent_Thune)
at 10:19AM Thursday August 19, 2010
under Personal Finance

Question: What is it that makes Index Funds a good investment?

The best way to explain Index Funds and their fundamental advantage over other types of mutual funds is to give a brief history: Read More »

Buy Like Buffett: Better Interest Rates Maximize Savings

By Guest Blogger(view all posts by Mark.Riddix)
at 1:38PM Tuesday August 17, 2010
under Personal Finance

Are you tired of the crummy interest rate that your bank is paying you month after month? Interest rates are so low at most banks that you could almost get the same return by just stuffing your money in your mattress. Well, you don't have to stand for this anymore! You can increase the return on your short term savings and generate extra income off of your emergency fund.

Just follow the following 3 tips to get a better return on your savings rate. Read More »

Avoiding Mistakes with Checking Accounts

By Guest Blogger(view all posts by ChristopherB)
at 9:04AM Friday August 13, 2010
under Personal Finance

Are you the type of person who is always finding mistakes with their checking account? This is a frustrating situation, and one that you want to fix as soon as possible.

Here are three ways to avoid future checking account mistakes: Read More »

Ask the Advisor: Warren Buffett on Saving, Frugality and Life

By Guest Blogger(view all posts by Kent_Thune)
at 12:04PM Thursday August 12, 2010
under Personal Finance

Question: Your writings are very philosophical. What do you think of Warren Buffett? What are your favorite Warren Buffett Quotes?

Warren Buffett is one of the greatest financial philosophers to have ever lived! His folksy sayings and wise words apply to investing but also to saving, frugal living and to life in general!

I hope you enjoy my favorite Warren Buffett Quotes on Saving, Frugality & Life: Read More »

Starting a Business? Save Your Capital

By (view all posts by kevink)
at 3:06PM Monday August 9, 2010
under Personal Finance

Any entrepreneur will tell you nothing comes for free, especially when you're building an enterprise from the ground up. In addition to money, you need a sound business model that allows you to enter the market, and has you selling goods or services along side competitors.

Read More »

Is a Car Lease Right for You?

By Guest Blogger(view all posts by ChristopherB)
at 9:19AM Friday August 6, 2010
under Personal Finance

Are you considering a car lease? This is a great idea for many people, but a huge mistake for others. Before you decide for or against this, it is essential that you are aware of the pros and cons.

Here are several reasons why you may want to consider a car lease: Read More »

Ask the Advisor: Penny Stocks, Pound Foolish?

By Guest Blogger(view all posts by Kent_Thune)
at 9:07AM Thursday August 5, 2010
under Personal Finance

Question: Can you suggest how to get details about penny stocks?

This question from a reader brings up a few broader questions: Are penny stocks a bargain? Why would one invest in penny stocks? More importantly, what are penny stocks? Read More »