1.Dont fall for low introductory rates. These can increase dramatically 2. Find out what others are paying and ask for the same rate. 3. Ask for free training sessions as a condition you will join 4. Find out if there is a membership limit. If not the gym could be very overcrowded at peak times….

Debit cards are different than credit cards. It is not so easy to just cancel your card and get a new one. With a debit card, people are actually withdrawing money out of your bank account. It could take months to be reimbursed. Avoid this by following these tips.. http://www.bankrate.com/finance/checking/risky-places-swipe-debit-card-1.aspx?ic_id=tb_10046

suitable= suitable investment not necessarily in your best interests  (Broker or salesperson) fiduciary= must act in your best interests and disclose all conflicts (R.I.A. that is fee only)   If you do not understand this you are TOAST!!!!!   The problem is there’s nothing illegal about brokers putting their interests ahead of those of their…

Bad habits are hard to break. It is no different with your finances. Just like a bad diet and a lack of exercise these habits will slowly destroy your future. The first step is to be aware then you can begin to change. Are you guilty of these?? 1. Not budgeting 2. Making late payments…

 Studies have shown people are much more willing to take advice when they are made to feel anxious. Pushy stock brokers and insurance salesmen know this all too well. The worst part of this is people will take advice even thought they know it is conflicted. The lesson learned is not to make financial decisions…

Going to college is very expensive. Not going costs even more. Here is a realistic plan to attend college without running up huge debt and taking six years to graduate. This is from Morgan Housel an excellent writer from the Motley Fool. Take two years off after high school. Get a job. See what the…

1. Check your credit reports once a year 2. Put a date on the calendar and increase your retirement contributions by 1% each year You will be amazed at what something so simple could do for your ability to create wealth… Start Today

By starting at age 25. Look at what the results are with an 8% return. Check out what happens if you wait but put more money in. This simple strategy could turn you into a millionaire. Discipline and consistency beats everything in the world of investing.   Our young investor saved $2,000 a year from…

Procrastination is a big enemy for investors. Take IRA contributions. You can invest $5,500 if you are under 50 ($6,500 if over) in January for your 2014 contribution. You have until April of 2015 to make this contribution. If you decide to wait those extra 15 months each year, the effects are dramatic. Over a…

Great advice from Roger Wohlner. Most of their promises are low probability outcomes at best lies at worst. Beware!!!! If approached by someone trying to convince you to use life insurance as an investment vehicle for retirement or any other purpose be very leery and ask many questions.  Make sure this is a good deal…