Maintaining great credit is a key to financial freedom. Many of us become entrenched in credit card debt because we do not stay ahead of the curve by maintaining responsible habits. MUST READ: Think You Know Miami? Think Again Here are some habit to form now that will lead to a successful future. # 1 […]


The purpose of this budget is to come up with a system to govern everyday spending. If nothing else, remember this one simple budgeting rule: Spend less money than you make. We are all in tight budget times. GIANT Travel Tip: Get In First Class The best thing about it is that when you learn […]

Balance your finances at the start of 2013 and the year will move smoothly. Manage risks in a portfolio by re-balancing rigorously. As some sectors do better than others, regularly revisiting investments to make sure a portfolio keeps the intended balance is important Review and update your financial plan periodically. Tax law changes, fluctuating markets, […]

Improving your credit score is not as difficult as you may think. First things first – you need to see exactly where you are at with your credit score. MUST READ: Think You Know Miami? Think Again If you don’t know where you are, you can’t get to where you want to be with improving your […]

What tax bracket am I in? It’s a question many Americans are asking themselves right about now, even though tax day—April 15, 2013—is a long way away. Below is a chart of the projected tax brackets for 2013, as posted on and numerous other websites. Tax Rate Single Married Filing Joint Head of Household […]

People retiring today are part of the first generation of workers who have paid more in Social Security taxes during their careers than they will receive in benefits after they retire. It’s a historic shift that will only get worse for future retirees, according to an analysis by The Associated Press. Previous generations got a […]

Are you searching for some residual income ideas? Perhaps you are looking for ways to earn a second income or generate enough money for retirement. Whatever the reason, residual income is probably the best way to reach your financial goals. First of all, let us define residual income. The easiest definition is that this type […]


One thing is for certain: Most people want money. If they have a little, they want more. If they have a lot, it’s not enough. Our society’s quest to make a dollar is insatiable. So what’s the secret? The answer lies within: Each person’s key to financial freedom is as unique as the individual’s relationship […]


Interviews with employers who make counteroffers, and employees who accept them, have shown that as tempting as they may be, acceptance may cause career suicide.Any situation in which an employee is forced to get an outside offer before the present employer will suggest a raise, promotion or better working conditions, is suspect. Read: College Degree […]


Most people are aware that if you withdraw money from a traditional, tax-deductible IRA before age 59½, you are subject not only to ordinary income taxes, but a 10% federal tax penalty. That’s designed to keep your savings growing over the years. Read:5 Tips To Master Budgeting 101 But these days, many desperate people are […]


Managing stress in tough economic times can be tough and unhealthy. The key to conquering stress during tough times is to gain a sense of control over the situation. Create a plan, keep things in perspective, and seek help when you are feeling overwhelmed. If you are feeling stressed by the current economic situation, the […]

But is there a way to file without fear? Tax expert Daniel Pilla says, “Yes.” As Americans scramble to file before the April 17 tax deadline, millions will inevitably pay an untold billions of dollars back to the government. Read: Facebook Warns Companies:Do Not Take Employees Passwords! And Pilla claims this is money that, surprisingly, […]