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When someone is first enter the world of finances, they will need to learn some new basic finance skills.  Unfortunately, many teenagers and young adults get to college without having a clue about some basic personal finance tasks.  You might make a lot of bad money choices, but if you have some basic financial knowledge, [...]

The following is a list of top online banks that offers high yield savings account, high interest savings account, or high yield money market account. All of these accounts are FDIC insured up to $250,000. Your principal is protected and you’re guarantee a positive nominal return on investment. For March 2010, the average interest rate [...]

Investing works best if you set it and forget it.  However, at least once a year every investor should set aside some time to review their investment activities from the previous year.  February is a great time to do this investment review because if you wait too long you’ll find yourself in the thick of [...]

There’s no shame in admitting it: It’s possible to make it through college and into the real world without having the first idea about investing, money management, or anything that deals even remotely with finances. But thanks to the growing number of Web sites and online tools devoted to fiscal responsibility, it’s easier than ever [...]

iPhones are often criticized as expensive and ostentatious. Why buy a smart phone when you can make calls from a $10 pay as you go phone? It may seem like a waste of money, but used properly an iPhone can be a powerful tool in your personal finance arsenal. Here is just a small sampling of [...]

Ohana, multi-family living, “boomerang children”. No matter what you call it, extended families living under one roof or on one property can be a cultural norm or a way to cope with the financial difficulties that many are facing. Many say it’s “Easier said than done.” They are correct. There are many issues to work [...]

On January 18th of this year, I finally decided I was ready to make some New Year’s resolutions. I’ve never really done the resolution thing in the past, and so I wasn’t compelled to do it come December 31 or January 1. But I recognize that goals are good — and so I came up [...]

Just like a runner must run, I believe those who are financially fit must budget. Your budget might look different than another person’s budget.  Someone might have a complex computer system and another might use a simple pen and paper system.  But, to thrive financially you must have a sense of what you want to [...]

When it comes to shopping this holiday season, many people are probably thinking of sticking with cash. With concerns about the economy prompting many to cut back on spending and avoid adding to their debt, it is little surprise that credit cards are out of favor right now. However, credit cards aren’t all evil. There [...]

I’m still trying to figure out why people think I’m foolish for using a credit card instead of a debit card.  I’m a Dave Ramsey listener and fan so I’ve heard him rant and rave over the credit card — burn it, torch it, drown it, just be sure to kill it (if you’re not [...]