How to Avoid Debt – A Guide

Unfortunately, for a lot of people, debt is – or is becoming – a fact of life. It’s all too easy to borrow money in the firm knowledge that you can and will repay it in time… only to see your circumstances change and your ability to repay the money you owe taken away from

The Past Wasn’t As Good As You Remember it So Get Over It

The Past Wasn’t As Good As You Remember it So Get Over It

While I am not sure if I am included in the statement anymore (since I am old)  but I hate when people talk about how “this” generation is the worst one ever.  A quote that brings a smile to my face whenever I come across it is, The Children now love luxury; they show disrespect

Using Your 401(k) to Start a Business

I recently read a fantastic article highlighting how to start a business using your 401(k) titled, “Rolling Over, Starting Up” in Financial Advisor Magazine.   The Author, Alan Lavine, goes through the technique known as Roll-Over as a Business Start up (ROBS). How Do You Use Your 401(K) To Start a Business? Borrowing from a 401(k)

2011 Goals and Objectives

I know myself, and for whatever reason the main way to keep myself motivated is to be accountable to anyone, but myself.  As I type and re-read that sentence it almost seems immature but the fact that I feel a need to come back here and confess to my failures keeps me motivated me not

What is a W-4? Updating My W-4

What is a W-4? Updating My W-4

Anyone that has ever received a paycheck has noticed that the government takes a (massive) piece.  Your HR/Employer knows how much to withhold from each paycheck based partly on your W-4.  According to the IRS one would, Complete Form W-4 so that your employer can withhold the correct federal income tax from your pay. Consider