Debt Advice: What’s the Point?

Getting advice might seem like an obvious thing to do when you’re in debt. However, most people who are in debt wait until their situation is desperate before they start seeking advice. So why do people wait so long to get advice? Why wait? Most people think that despite having lots of debt, they can

Situations When A Retiree Should Own Life Insurance

Most personal finance bloggers or gurus would say that Retirees or near retirees no longer need insurance, however, like most personal finance advice when you start applying real life situations the hard and fast rule starts to crumble.  There are situations when retirees or near retirees should have life insurance and just like my view on

Prepare Ahead for Your Tax Refund

Tax season is almost upon us.  There is no consensus as to whether one should adjust your W-4 Withholdings so you do not get a (big) tax refund.  On the one hand the money stays in your pocket all year long, not Uncle Sam’s, while on the other hand there are many Americans who prefer to get a tax

December 2012 Dividend Champion Watchlist Update

Every few months I like to update the watch list for my Dividend Investment Portfolio (last update was in October of 2012).  As explained in great detail below, I apply various metrics to the Dividend Champion List (defined below) to weed through the list to create a watchlist that I’ll buy lots of over the