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A few weeks ago I received an email.  In the email I was asked to give a reference for two individuals who were applying for the same job.  That’s not really unusual, right? We’ll, here’s the kicker.  (I hope this doesn’t get too complicated …) One of the key decision maker’s daughter and I are [...]

Although I am fairly young, this is the most difficult job market that I can remember or can even imagine. Everyone I speak with seems to have some level of job insecurity. During tough economic times in the past, there were always a few professions that were “safe”: medicine, law, government, etc. These days however, [...]

If you read enough personal finance blogs, you’ll see a common theme and the number one answer to your financial dilemma — “Spend Less than You Earn”. Unfortunately, it’s easier said than done, otherwise, we wouldn’t have this rampant debt problem in our society. Fortunately, I went through this myself, and over the years, I’ve [...]

Seems these days everyone has an opinion on how to make money in the stock market. Only now it’s not just the stock market, there is options, foreign exchange, commodities and bonds. And it’s no longer just investing or trading. There’s swing trading, position trading, income investing and dividend investing. Yet I’ve barely scratched the [...]

Some parents worry about the double edged sword of teens and work.  On the one hand, there is some research that suggests teens who work might get lower grades.  On the other hand, a teenager who works will probably learn some important life skills.  Should your teen work?  What is more important – grades or [...]

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 long term investing, I believe that you should focus more on dividend yields and cash flow versus speculation and share price appreciation. While this might mean avoiding sexy names like Apple (AAPL) and Amazon (AMZN), there is nothing unsexy about constant cash flow with regards to your assets.

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Dividend Income [...]

While there are many different opinions as to how much debt is too much, the two ratios below are the most widely used measures of how much debt is manageable. These ratios are also known as debt to income ratios (DTI). Many of you are reading this and other personal finance blogs in an attempt [...]

Forex trading is becoming more popular in the recent years due in part to the fact that it is more accessible to the general public. It used to be that the currency market was the province of institutions and the wealthy, but technology and other factors have made forex investing, like other types of investing, [...]

Last week, when the President signs the expanded aid package, my husband and I (and many others) breathe a collective sigh of relief. The expanded aid package includes a seven month extension of the First Time Home Buyer Credit. While many people do not support the extension, I am grateful for it. Granted, my position [...]