web businesses

If you have kids, you probably know that only health care cost increases can compete with the inflation seen by education costs. This means that you are probably going to need to do what you can to help your child get the college financial aid that he or she needs. Even if you have been [...]

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 [...]

If you pay estimated taxes, you may find yourself facing a tax debt when you come to fill in your tax return. As estimated tax payments are predominantly based on your income for the previous tax year, you can easily be crippled with a tax bill that is more than you anticipated if your income [...]

One area in which I have vigilantly slashed my spending is the “Entertainment” category. I include cable television, movie theaters, concert tickets, bars, sporting events, and a bunch of other things in this category. The easiest expense to cut back on thus far has been the TV/movies area. For television, Hulu has aided me in [...]

Many businesses are suffering as this recession prolongs. As a business owner, you may be looking for ways to improve your cash flow and ultimately the profitability of your business. Unfortunately, many people stop short at the income versus expenses equation and never dig deeper — resulting in missed opportunities. In this article, I will [...]

Defining a good goal is hard enough in itself, but people still fail even with well thought out SMART goals. Why? The answer is simple: they fail to turn these goals into actions. Generally, a goal is broad and hard to identify practical ways to achieve it. To transform your goals into practical actions is [...]

Net Worth Review
The S&P 500 gained +0.8% in December and went from 896.24 to 903.25. But for a full year, the S&P 500 dropped -38.5% from 1468.36 to 903.25 — ouch!  According to NetworthIQ, my net worth rose +3.44% and my net investable assets increased +6.54%.

Highlights

Home value actually went up slightly in December, but for [...]

I have been thinking about setting up a Limited Liability Company (LLC) for my web business to manage personal liability risk.  LCC is an attractive option for incorporating a small business, because it provides the limited personal liability of a corporation, but the pass-through taxation of a partnership or an S corporation. For this reason, [...]

There are many special deals and freebies that you can find on the Internet.  This page is a collection of what I found over the year.  Please note that this page is mostly specific to financial services deals and offers.
Free Finance Magazines
Our business partner has made many popular magazines available for free.  All you have [...]

Before I begin my net worth review, I would like to point out that Larry Swedroe recently published The Only Guide to Alternative Investments You’ll Ever Need.  The book got several great reviews on Amazon.com and my copy is on order.  Hopefully, I’ll be able to share some insight from the book with you soon. [...]