tsauthor | November 29, 2009
Right now, I would like to discuss the newly controversial subject known as budgeting. Most, if not all of financial analyst will tell you that you must have one to succeed. This seems like a no brainer, but if it is that easy, then why is it that nobody does them?
Is it because people are [...]
tsauthor | November 20, 2009
The Rule of 72 is a nice little mathematical formula that shows you how fast your money will double, based on the rate of return (interest rate) of your money. This is how it works. You take a particular interest rate and divide it into 72 and that will tell you approximately how many years [...]
tsauthor | November 18, 2009
Everyone is always on the lookout to get extra cash the easiest way possible. With the upsurge of popularity of the Net, this has been made possible. Companies have moved with the times and no longer are market research companies paying for customers to do taste testing and surveys by phone.
But they are now [...]
tsauthor | November 18, 2009
Personal Finance Planning can be a cumbersome activity especially if you are planning for retirement. Most people realize that they should plan for retirement but they find it mysterious.
Surveys show that almost 75% of the American population is earning just enough money to live paycheck to paycheck. This means that they do not have any [...]
tsauthor | November 17, 2009
As each day passes, the Net is becoming a bigger and bigger phenomenon. More and more people in their thousands are turning to the Net to make their American dream a reality. As great as the Internet has been for worthwhile information, it unfortunately is also filled with absolute rubbish, junk, viruses, spam and useless [...]
tsauthor | November 16, 2009
Your life after retirement will be a new beginning.
Most people come to realize that when they reach retirement age, that they have no plan for their retirement life.
Many people set out a plan for his life, which could include investing time in college to find a way to work, setting career goals, then [...]
tsauthor | November 14, 2009
The Controversy
There are a lot of gurus out there who disagree on whether or whether not you should pay off your mortgage early. Many a world war, fought with bloodshed and tears, have taken place over this issue. Me personally, I’m a numbers person. You see, figures don’t lie. And even though liars DO know [...]
tsauthor | November 11, 2009
There has been much contention over the impending expiration of the $8,000 first time home buyer tax credit. The tax credit is a incentive incentive that was set to expire on December first 2009.
The tax credit allowed first time home buyers acquiring their owner occupied with a florida no doc loan to receive a tax [...]
tsauthor | November 11, 2009
The last year and a half or so has seen a drastic chain of events unfold in the New Jersey reverse mortgage industry with the collapse of hundreds if not thousands of banks and the elimination of many of the so-called ?exotic? products.
When the dust finally settled only the solid have remained willing and able [...]
tsauthor | November 11, 2009
Many people today are considering if they should apply for the government sponsored colorado stated income loan program Making Home Affordable. One of the major concerns individuals have is what effect a loan alteration will have on their credit reports.
Until now a colorado commercial was reported in various ways depending upon the individual financial institution [...]
Josette Mandela, MBA, MSIE and author of 
