Please Don’t Let Your Bank Make Your Financial Decisions

Did you know that the bank controls more of our decisions than we’d ever care to admit? The typical procedure in buying a home: “Hey, honey, you wanna buy a new house?”  “Sure, baby.” I hope there is a little more discussion than this, but eventually husband and wife decide to buy a home. Now it’s time to decide how much house can we afford. “Hey, honey, you wanna go to the bank and … [Read more...]

Religious Discrimination? You Be The Judge

What is religious discrimination? Wikipedia defines religious discrimination as: Whereas religious civil liberties, such as the right to hold or not to hold a religious belief, are essential for Freedom of Religion (in the United States secured by the First Amendment), religious discrimination occurs when someone is denied "the equal protection of the laws, equality of status under the law, … [Read more...]

Buying A House? Is it an Investment or a Home?

Have you ever asked yourself what are you paying for when you buy a house?  Often times when people bicker about renting or buying a home the key issues is that home values increase over time.  Obviously, that assumes that your home is an investment. This article is the third part of a four part series for home buyers.  I’ll be doing on some topics related to home ownership.  Here’s what is … [Read more...]

Revealed: Why You Should Rent an Apartment Till You Have at Least 20% Down

Your single most important purchase will be your home. While some of the other decisions you make while you are younger might be non-fatal the choice you make in regards to a home will probably impact you for decades. You will need to be patient and save up at least 20% so you have a decent down payment towards your first home. Also if you are married, purchase the home based on only … [Read more...]

The Real Truth About Borrowing Money To Buy Cars

In many ways convenience and lack of patience is the enemy of financial prosperity. Loans could be a statement about your selfishness.  A loan says I don’t have the money, but I want this and I want it now. Here are some important facts about car loans: The average American car loan payment is $400 per month. A 48 month used car average interest rate is currently 7.91%. Let’s say you … [Read more...]

What Every Teen Ought to Know About Part Time Work

Decide to work at least during the summer if not during the school year You will be in great shape if you get through college with a zero net worth. This would mean you don’t owe anything, but you don’t own anything either.  Even better would be if you made it out of school with no debt and owned (completely paid for) something like a car. Think of your financial life as if you were … [Read more...]