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Fix the Tax System By Taxing Consumption

by Flexo

An elegant answer to the over-complicated tax system is to shift the basis of the system from income to spending. There have been a variety of proposals to make this happen. It’s the core of the so-called Fair Tax and Herman Cain incorporated its concept into his 9-9-9 tax plan. Other proposals have called for ... Continue reading this article…

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Podcast 144: Best Things to Buy During Winter

by Flexo

Today on the Consumerism Commentary Podcast, Bryan J Busch talks to Andrea Woroch, consumer savings expert. They discuss when and why it can be smarter to shop for certain items during the winter. Consumerism Commentary Podcast Best Things to Buy During Winter: S06E17 / 170 Download – RSS – iTunes Table of contents [00:00] Introduction ... Continue reading this article…

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How Is Your Budget Doing These Days?

by Phil Cioppa

This is a guest article by Phil Cioppa of Arbol Financial Strategies, LLC. Phil has over 10 years of financial service experience and specializes in asset management strategies, insurance planning and taxation issues. A budget is an important part of any financial plan, and right now is the best time to take another look at ... Continue reading this article…

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5 Reasons to Beware 401(k) Retirement Plans

by Flexo

Financial planners just love promoting 401(k) retirement plans. They have quite a few benefits, notably a tax deduction for contributions as well as a tax deferral for contributions and earnings. They’re also one of the most popular vehicles for introducing the working middle class to the stock market, something that might not have been accessible ... Continue reading this article…

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Save Money: Break Up Before Valentine’s Day

by Guest Author

This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author encourages couples in failing relationships to break-up before holidays and their obligatory expenses are imminent. While it may sound like the antithesis of romance, calling it quits with your other half before the Valentine’s Day can be advantageous ... Continue reading this article…

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Schwab Creates Low-Cost 401(k) Fund Choices

by Flexo

I used to work for a company in the financial services industry. Another branch of the corporation I worked for is involved with institutional money management. This department manages institutional investments like company retirement plans and pensions. This is a service they provided to other companies of various types, much like Fidelity and Schwab offer ... Continue reading this article…

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Good Debt and Bad Debt

by Flexo

Misuse of credit can destroy a family’s financial life. A household can crumble under the weight of debt, whether it has increased from a poor house-purchasing decision, a drastic change in the real estate market, a shopping addiction, an unexpected medical bill, or the lack of preparedness for an emergency. It’s no surprise people consider ... Continue reading this article…

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Discover More Card No Balance Transfer Fee Offer, 0% APR

by Flexo

In my review of the best credit cards for 2012, I lamented the fact that for the most part, no credit cards waive balance transfer fees in their introductory offers. In years gone by, some cards offered no-fee 0 percent APR introductory offers on balance transfers, and offers like these can, if used properly, go a ... Continue reading this article…

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