Rip-Off Alerts
IT’S TRUE! SIZE REALLY DOES MATTER
Going through my 20′s and 30′s, as I began fending for myself, I thought perhaps the difference I was noticing in products from yesteryear was in my own mind. I could remember biting into a coconut cream snack pie as a kid and having the filling just ooze out from all sizes. Mom used to [...]
Protect Your Small Business from Embezzling Bookkeepers Part 4: Common Scams
I am always asked if it is wise to speak openly of how bookkeepers steal since I may be giving bad bookkeepers new ideas, causing business owners to lose money and sometimes even force them to put their businesses for sale. My answer to this is always…Absolutely. It is absolutely a wise idea to inform [...]
How To “Go Green” And Mean It
In this day and age, “going green” is increasing in popularity among American consumers, who are trying to do their part to clean up the environment and make the world a better place. With that comes the companies who promote everything as eco-friendly, but in reality they are the farthest thing from it. It is [...]
Protect Your Small Business from Embezzling Bookkeepers Part 3: Ghosts in the Company
Believe it or not, Ghosts do exist. Even worse, they can exist in a business. When I say “Ghosts,” I do not mean the ethereal spirits that walk through walls and wail in the night…the sounds of chains rattling and making goosebumps rise on your arms. No, when I say “Ghosts” may be inhabiting your [...]
VERIFY SERVICES ARE COMPLETE BEFORE YOU MAKE THE PAYMENT
After having our car serviced at the service department of a large, well-known store, we happened to look at the receipt for the work that was supposedly done. When we first dropped the car at the service center, we had decided to go with an advertised special that included tire rotation, an oil change, and [...]
Protect Your Small Business from Embezzling Bookkeepers Part 2: Credit Cards and Identity Theft
Having been in the bookkeeping and retail business for more then ten years, I have seen a lot of credit card theft on both sides of the Office Door. I have seen credit cards pull a disappearing act, employees buy unauthorized items on company credit, and tens of thousands of dollars charged within a thirty-day [...]
Protect Your Small Business from Embezzling Bookkeepers Part 1: Checking Account
These days, too many SBO’s (Small Business Owners) trust their employees far too much. They trust them to be loyal and hardworking and to never, ever steal from them. Unfortunately, theft happens far more often then SBO’s realize, and it occurs repeatedly for years before anyone ever catches on. Bookkeepers especially are the most trusted [...]
Don’t Buy a Warranty on Your Next HDTV Purchase
The prices of high definition televisions (HDTVs) are falling through the floor and increasingly becoming a staple in the typical American home. Many people who were stuck with standard definition cable before can now get hd-cable services like Time Warner Digital and Time Warner HDTV. You can now purchase a high-quality 32” HDTV for just $500 (or less if [...]
Sometimes Saving 15% on Your Purchase is Not a Good Deal
Most retail stores have their own credit cards. How many times have you gone up to the check out counter with your selections only to hear the cashier ask, while handing you an application and a pen, “Would you like to save 15% on your order today and apply for the blah blah store credit [...]
“On Sale” Does Not Mean Cheap
When I was in 8th grade, my parents were kind enough to take me out to California, we did all of the usual fun things. We went to Disney world, went to see NBC studios, saw the beach, went to the Hollywood strip, and even got one of those fancy bus guided tours. On our [...]
The Problem with Targeted Date Retirement Funds
Investing in the market is not an easy thing to do. You have to do all sorts of research on investing terms, compare different stocks, mutual funds and other investments, and trying to make heads or tails of all of it can really be a nightmare if you’ve never taken a business class or know [...]
Don’t Bother with Credit Card Arbitrage
A lot of people who consider themselves financially sophisticated have been engaging in a rather peculiar practice which has enabled them to get in essence free money by making use of 0% APR credit cards and high-yield savings accounts. It’s been an issue of great controversy among the personal finance community on the internet, and [...]
Ten Facts the Credit Card Industry Doesn’t Want You to Know
The idea of a credit card is a peculiar notion that has only come about in the last fifty years. Instead of paying for purchases with wealth that we already have, we are now borrowing money for every day purchases, even things as quick trip to McDonalds or a bottle of pop from a vending [...]
How to Avoid Get Ripped-Off When Trying to Make Money Online
When the internet first came out, it really wasn’t much more than a novelty for people who knew a lot about computers. Eventually businesses realized that they could extend themselves online and potentially make a lot more money. In the late 1990’s commerce on the internet snowballed when venture capitalists began investing in anyone who [...]
The Reverse Mortgage: A Wolf in Sheep’s Clothing
For whatever reason, a lot of people fail to plan for their retirement. They know that retirement is coming sometime and that they can’t work forever, but don’t take any active steps in order to successfully plan for their retirement. They find themselves at age 65 without any money, probably some debt, and nothing but [...]
The Problem with PayPal.
Just a mere seven years ago, two companies which were offering internet based financial services merged together to form what we now know as PayPal. The first company, X.com, dubbed it self as an internet financial services company. The other company, Confinity, was working on Palm Pilot based payments. Before they knew it, PayPal had [...]
America’s Culture of Financial Stupidity
Recently I was doing some research for an article about making money on the internet, and out of the top fifty search results that came up, nearly each and every single one of them were scams. There were all of these different programs which explained how they could make you rich without you putting in [...]
Alternatives to Payday Loans
There are very few individuals who actually believe that there are circumstances when it’s okay to get a payday loan. We all know that they are generally a bad idea, but when you find yourself in a situation where you need money to eat and have seemingly no other options, they become much more of [...]
Are Payday Loans Ever a Good Idea?
The current status of banking in the United States is much unlike any culture in the history of the world. There is much more capital to invest, and because of fractional reserve banking, there’s just so much money to loan out. Before only people who could surely pay off a loan would be able to [...]
Quit Wasting Money: Stay Away from Premium Gasoline
When you drive down to your local gas station for a fill up, usually you have more than one option. You’ll have the regular gasoline, the silver and the gold/platinum grade gasoline. At some more progressive places, you might have bio-diesel, E85, and other alternative fuels. You have all of these different options with different [...]
The Quixtar Cult
Recently I was killing some time by playing around on a social networking site that begins with the word “face,” and I got a strange friend request. A person requested to add me as a friend, and I had no idea who he was. So I let him add me, and wrote on his wall [...]
Stay Away From Store Credit Cards
When I was in high-school, I hadn’t quite figured everything with money, and who had. When I bought clothes, I went down to Maurice’s, which was where all of the “cool kids” shopped for clothing. I went down there and would quite often buy $20 shirts, $40 hoodies, and $30 pants. What was I thinking? [...]
5 Mistakes to Avoid When Buying a Vehicle From a Dealership
Buying a new car is a lot like buying an engagement ring for your wife to be. You know you need to do it, and the woman will most likely really enjoy what you get her, but if you’re not careful, you could make a lot of mistakes and end up getting had. You might [...]
The Problem with Debt Consolidation
You’ve probably seen the commercials, whether it be on TV or the Radio. A man in a nice suit tells you how he can “pay off” all of your debts. He will tell you about how he can get rid of your multiple high interest payments and give you one low easy payment. It makes [...]
The Lottery: Just Say No!
I can only imagine how much some of my cohorts have wasted on gambling and the lottery. I know people who buy one, two or three tickets a week that win next to nothing, yet continue to play. They probably have averaged about 10% back each, It’s hard for someone who went to college for [...]
Don’t Buy That New Car
In the last few decades, Americans have moved to a faster lifestyle. We’re up and out more hours of the day, and there’s always so much going on. Part of this movement toward a faster pace of life is making more extravagant purchases. We often buy new cars every two or three years in order [...]
Save Your Money: Why Get Rich Quick Doesn’t Work
If you’ve ever been in a bout with insomnia, you’ll know that there are a lot of different ‘opportunities’ out there in which you can allegedly make a lot of money. These paid programming shows are all over late night cable and the internet. Usually they will show you a life of luxury by using [...]
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