Finance Globe

U.S. financial and economic topics from several finance writers.

5 Worst Habits For Your Finances

5 Worst Habits For Your Finances
For some people, financial troubles are caused by things outside their control – illness, loss of a spouse, or fraud. Other times, financial troubles can be traced back to things that you could have done differently. If you're having money problems, these habits could be the blame. Even if you're doing well right now, avoiding these will ensure you stay that way. Having Bad Spending Habits Overspending, not budgeting, failing to save, and using debt are all spending...
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Frank
I find most of my friends who have terrible finance habits, have no education on it at all. For many, this topic is extremely bori... Read More
Friday, 26 August 2016 12:56
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7 Ways to Avoid Phone Scams

7 Ways to Avoid Phone Scams
Millions of Americans are targeted by phone scams everyday. Robocallers have a variety of extremely convincing schemes they use to trick consumers out of money and personal information. Here are some tips to avoid phone scams no matter what tactics the scammers use. Be skeptical of all unsolicited calls, especially calls asking you for money for any reason or your personal information. It’s hard to know for sure that the person on the other end of...
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Frank
I honestly never answer my phone if I do not know who it is. There are so many scam callers nowadays. If they leave a message then... Read More
Friday, 22 July 2016 11:24
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6 Tips to Save On Your Cell Phone Bill

6 Tips to Save On Your Cell Phone Bill
Most of us feel like we’re paying too much fore wireless service. Even switching to a cheaper monthly plan seems to barely make a dent in the monthly wireless bill. Review your bill. Don’t just pay your bill without reading through it to see what you’re paying for. You could be unknowingly paying fees for services you’re not using. You could be signed up for a more expensive plan that you realized.  Compare your plan to...
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Frank
Thanks for the information latoyairby. Cutting your cell phone expense is one of the easiest ways to save money!
Friday, 24 June 2016 14:53
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Essential Tips for Loaning Money to Friends and Family

Essential Tips for Loaning Money to Friends and Family
Some people say you should never loan money to a friend or family member. Money tends to complicate relationships, particularly if the borrower doesn’t pay you back as agreed. It’s easy to set a rule that you'll never loan money to people you know, but it’s just as hard to watch someone close to you suffer financially, especially if you can help. If you decide to loan money to a friend or family member, here are some tips to make the...
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Wanderer
My advice, if you want to stay on good solid footing with family and friends, "just say no." The minute the loan starts to go sout... Read More
Wednesday, 01 June 2016 08:44
Frank
I agree very much with this article. Friends or family can be a great option, but you need to be very careful when you mix money w... Read More
Tuesday, 14 June 2016 17:56
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The 6 Skills Everyone Needs to Be Financially Successful

The 6 Skills Everyone Needs to Be Financially Successful
We know that skills like budgeting and smart spending play an important role in financial success. Without them, you can easily make critical mistakes that derail your finances. But budgeting will only take you so far. Here are six life skills you need to have to be financially successful. The ability to prioritize At any given time, you’ll have competing financial needs. While you may feel like they are all equally important – like saving money and...
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Frank
I would also add: -Persistence -Drive -Ability to solve problems (because financial problems will come up during your life)... Read More
Tuesday, 14 June 2016 17:52
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Cheap and Free Ways to Grow Your Garden

Cheap and Free Ways to Grow Your Garden
Growing a garden can be very rewarding, providing you with food, flowers, and a beautiful landscape all season long - but buying an instant garden at full retail can be very costly. Fortunately, it's easy to cut your costs if you have patience and keep your eyes open for opportunities. Here are a few tips to get you started: Buy smaller woody plants. Cut costs on permanent landscaping by starting with smaller trees and shrubs and space them according...
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7 Rules for Dealing With a Pay Cut

7 Rules for Dealing With a Pay Cut
We want to make more money in our careers, not less. Unfortunately, there may be instances where you have to deal with a pay cut. Your job may have to cut wages to stay in business, your commission may be lower, your own business may suffer a loss of revenue, or you could decide to take a job that pays less money. Dealing with a pay cut is far less than ideal, but navigating the reduction in wages...
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Frank
I unfortunately have had to deal with this situation several times. I have done what I could to make extra money, but I mainly foc... Read More
Sunday, 22 May 2016 17:53
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5 Tips for Negotiating a Medical Bill

5 Tips for Negotiating a Medical Bill
It’s bad enough that you had to visit the doctor, hospital, or another medical facility. It’s even worse if you receive a bill, showing that you owe hundreds or maybe even thousands of dollars. If you find yourself in this position, you have a couple of options: •    Pay the bill in full.•    Contact the appropriate party in an attempt to negotiate a lower payment. Which option is right for you? While you may not want...
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Frank
I have called the billing department at several doctors offices and had some success lowering my payment. Sometimes explaining you... Read More
Sunday, 22 May 2016 17:48
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Best Ways to Save a Tax Refund

Best Ways to Save a Tax Refund
So, you have a tax refund coming your way? Or maybe you already received this money from the IRS, state, and/or local tax authority. In this case, you have a big decision: what will you do with the money? While some people immediately spend the money, others realize that it’s probably in their best interest to save. But this leads to another question: what is the best way to save a tax refund? There are a...
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Frank
I am currently saving my tax refund in a money market account. I am not 100% sure what I want to use if for, so I am saving it in ... Read More
Sunday, 22 May 2016 17:44
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Taxes Due April 18th This Year

Taxes Due April 18th This Year
The IRS estimates that approximately 10 million taxpayers wait until the last days before the deadline and millions more will request an extension. If you haven't filed yet, you may be relieved to hear that this year tax returns are due on April 18th instead of the usual deadline of April 15th due to the observation of Emancipation Day. Residents of Maine and Massachusetts have until April 19th due to the observation of Patriot's Day. The...
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Frank
April 18th actually really helped me out this year. Time slipped away from me. on April 15th, I scrambled everything together and ... Read More
Sunday, 22 May 2016 17:37
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