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A Better and Less Risky Way to Invest in Stocks

Valur informed investing can make stock investing less risky.

Stocks provide great returns.  There’s really only one thing wrong with this investment classIt’s the risk!  Lots of middle-class people feel that they must invest in stocks to have any realistic hope of attaining a good retirement but live in fear of the stock crashes that can wipe out the accumulated savings of a lifetime in a few years.  If only there were a better way!

There is.

Valur informed investing can make stock investing less risky.Like all of the most powerful ideas, the new way of stock investing that I will describe here is rooted in something so simple that it will amaze you that you and thousands of others did not think of it before.  Please don’t let that sway you.  This checks out.  I’ve been studying the new approach (Valuation-Informed Indexing) for nine years and I have put it before tens of thousands of people, both experts in the field and regular people.  None has yet identified a significant flaw.
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More Money in Your Paycheck – The Payroll Tax Cut (Social Security Tax Cut)

In late 2010, Congress and President Obama passed new tax laws that take effect in 2011 (Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010).

The Making Work Pay tax credit is gone.

As a result, most people will benefit from a cut in Social Security taxes (also known as Payroll Taxes).

Previously, people paid 6.2% toward Social Security.  Under the new law, people will be paying 4.2%, a reduction of 2% in their Social Security tax withholding rate.

That is good news for many Americans as it essentially means a 2% increase in your paycheck.
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How to Make Your Financial Goals a Reality

Supre Charged Guide to Financial Freedom

Do you have a solid plan that will make your financial goals a reality?

Craig has recently written some excellent articles on how to create SMART goals.  These are goals that are specific, measurable, attainable, relevant and time-bound.

However, setting financial goals is just the first step.  Once you have your aspirations properly identified, you’ve got to follow a concrete, actionable plan to move from where you are to where you want to be.

You need a map and directions to reach your desired destination, one that lays out your path in a step-by-step manner.

Financial Goals without a Plan are Pointless

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TurboTax Online Tax Software 2010 Review

No Easier, Faster Way to Get Your Biggest Possible Tax Refund – How so?

TurboTax 2010 is all about making things easier and more accurate this year.

They take out the hassle of manually entering your information by automatically filling in:

  • Your earnings and account information from your job, bank or credit union
  • Info from last year’s tax return, even if it was prepared using different software
  • Any income you received in interest, thanks to the integration with Mint.com

Yes, they’re still the GPS for your taxes, guiding you through the entire process. Features include:
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2011 Federal Income Tax Brackets and Marginal Tax Rates

Going into 2011, it was thought that the federal income tax brackets and marginal tax rates were going to change drastically because of the Bush-era tax cuts expiring.

However, they were extended for another two years, so the tax brackets and marginal rates aren’t going to change very much going from 2010 to 2011.

Here we’re going to take a look at each of the Federal Income Tax brackets and marginal tax rates for both single taxpayers and married couples filing jointly, and take a look at what is changing going into 2011.

Note: click here for the 2012 Federal Income Tax Brackets and Marginal Rates.

The lowest marginal tax rate is the 10% bracket.

The range of income covered by this bracket in 2010 was $0 to $8,375, but going into 2011, the upper limit is changed to $8,500.  Similarly, the married couples filing jointly will see a raise from $0-$16,750 to $0-$17,000.  These aren’t very big changes, and won’t change tax amounts for many people by a large amount at all.
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10 Money Quotes Worth Remembering

Dollar Sign

If you’re lucky, your parents will have instilled you with advice to help you manage your personal finances on your own. However, these words of wisdom were likely only drawn from their own limited experiences, whereas these 10 money quotes are sourced from academics, artists, playwrights and even the church and together can ensure you have a well-rounded monetary education and understand both how to have a healthy relationship with money and use it to achieve your goals.

‘Money can’t buy you happiness but it does bring you a more pleasant form of misery.’

-Spike Milligan

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How to Create SMART Financial Goals – Is It Time Bound?

We’re reaching the end of our SMART goals.  We’ve gone through making the goal specific, being able to measure it, making sure it’s attainable, and looking at how relevant it is.  Now we’ll ask if your goal is Time-Bound?

A good goal will be time-bound or timely.  It will have a starting point, an end point, and measurable time or milestones in-between.  Time adds dimension to specific, measurable, attainable, and relevant.

By making your goal time-bound you give yourself a framework to focus with.  Without deadlines for your goals, it’s easy to let your goals drift away and be put off for other things that may seem more pressing.  You need to know when your goal will end.  A finish point can be a big part of whether your goal was a success or not.
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