Credit cards are very useful for people who want to earn rewards for their spending or build their credit history. They can also be a good way to get a low interest unsecured loan to make a purchase and pay off the balance in monthly payments. Many people want to know how to pick the best credit card, but the answer will be different for everyone. If you are looking for the BEST credit card, you need to understand what kind of credit card user you are. Once you know which category you fall under, it is easy to pick the best credit card. You Need to Borrow Money If you want a credit car

If you've been reading this blog for a while then you know I'm not a fan of the spending that going on in Washington D.C. right now. I'm also not a fan of the spending that is scheduled to happen over the next few years. The government not only plans to keep spending more, but we are going to add millions of baby boomers to the Social Security and Medicare dole and we don't have a plan for it. When an individual or a family gets in as much debt as our country they file for bankruptcy. However, our political leaders are acting like nothing is wrong and are ridiculing anyone who even sugge

As you all know I think Lending Club is a great place to invest money; I like it much better than investing in the stock market. I was actually talking with a friend who recently signed up for Lending Club and he asked, "How much will I really make with these investments?" It's actually a really good question. There are actually three really important questions that are not very clear when you buy a note on Lending Club: How much money will I make when the note is fully paid? What is my overall return percentage? How long will it take for me to get my initial investment back?

If you have been watching the news then you know that the federal government is going to be required to cut $85 billion out of their budget unless congress passes a law to avoid or change it before March 1st. $85 billion is a heck of a lot of money. It's so big it's hard to understand what it really means. Here are a few comparisons that might make sense. With $85 billion the government could buy UPS, which currently has a market cap of about $78 billion. That's about the 70th largest company in the world. Wowzers. It's also enough to send every single household in America a check for

It’s never too soon to start saving. Financial experts will tell you to start saving for retirement when you get your first job, to save for a home long before you’re married, and for college when your first child is born. The same advice goes for teaching kids to save. Getting them on the right path early on means they’ll have formed positive saving habits for bigger life goals. Pick out a piggy bank Take your kids shopping to find a creative piggy bank that matches their personality, or decorate a plain one together. Go on a coin hunt around the house, any loose change they can find

About a month ago I was installing a new dishwasher and I was using Tag's cell phone as a flashlight. Being the handyman that I am, I got water all over the place and it destroyed Tag's phone. We had been talking about getting on the same cell phone plan for a while, and my little mistake made "someday" become "today". I had dropped my phone in the toilet a few weeks earlier (oops) so we both needed new cell phones at that point. We decided to spend a Saturday shopping around for new phones at the four big companies: AT&T, T-Mobile, Sprint, and Verizon. Four Companies, Four Options

When you are unwell you go to a doctor and you trust their medical opinion and the way they look after you. However, more and more GP’s are under pressure to meet targets, they are struggling with strict budgets and rising workloads. The head of the Royal College of GP’s has estimated that the NHS needs another 10,000 GP’s to cope with increased workloads and provide adequate out of hours patient care. Is this increased pressure on GP’s leading to more cases of medical malpractice as doctors are overworked, stressed and tired? Since 2004 most doctor surgeries chose to opt of providing

Yesterday was the first day of Lent, which means it was the first day of mine and Tag's Lenten sacrifice. There are about a billion things I could do to make myself a better person, but Tag is almost perfect so it was hard to find something we could do together. However, after a little discussion we decided that we wouldn't eat out for the next 40 days. Stop Eating Out to Save Money One of the best reasons to stop eating out is simply because it will save money. I have no idea exactly how much money you can save by saving money, but I do know it's pretty substantial. A meal at a fast food

The following is a guest post on behalf of Shreya Hello. Mr. Bond, is it? Mr. James Bond. We here at Double Oh Insurance are most glad that you have decided to contact us as a part of your effort to compare the market for coverage on your latest vehicle, the Jaguar XJ L. I see you have some questions as to the amount you were quoted. Very well, let's go over the facts, shall we? The Car Itself The, as you put it, Bondmobile is a Jaguar XJ L. As you know, this is a very expensive vehicle. The average motorist will not putt about in a Jaguar XJ L with a 3.0L v6 diesel engine. You are lookin

Tag and I adopted our puppy Sydney on Thursday, January 31st. Six days later she was so sick that she had to stay overnight at a veterinary hospital with an IV giving her fluids. Holy crap were we scared! Sydney went to the vet on Monday and got some heartworm medicine. On Monday night she threw up twice, which we didn't think was a big deal because vomiting was one of the side effects of the medicine. Then in the morning she wouldn't eat anything and wouldn't drink much, and she wasn't as lively as a puppy should be. Loss of appetite and lethargy were also potential side effects so w