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Sure-Fire Tips To Renegotiating Your Credit Card Debt

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There’s a lot to be said for paying your bills on time, but some quick and easy negotiation can actually save you money each month on your credit card account if done properly.

The key is to never take the number on your billing statement for granted, as everything from the fees to the interest rate can usually be lowered with some tact.

However, you cannot expect to simply ask for a lower debt and get it without effort.
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Financial Krav Maga: Personal Finance Self Defense for the Modern Era

Krav Maga on the Beach

In East Asia, you probably know about the ninja and samurai. In Israel, there are soldiers trained in Krav Maga.  For those of you who don’t know, Krav Maga is a martial art developed in Israel.  It does not have the long tradition of respect, personal growth, and honor that come to mind when you think of Karate, Tae Kwon Do, Jiu Jitsu.  It was developed for one purpose, to survive.
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Why Invest in Bonds?

Business Paper

Why invest in bonds? We hear so much about stocks in the news but bonds don’t get mentioned with the same level importance and urgency (the Dow stock index gets all the glory on the 6 o’clock news).  Yet bonds are an integral piece of most portfolios as well as being an important debt instrument, used to create capital for businesses and municipalities.
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How Can I Improve My Credit Score? 8 Ways to Increase and Raise Your Credit Rating

score ranges

Maybe you’re sitting at home looking at your credit card statements, realizing that your APR’s [Editor: Annual Percentage Rates] aren’t quite as low as you’d like, or you’ve recently checked your FICO score and notice it’s low.

Credit Score Ranges

You want your credit score in that Excellent check box up there!

Perhaps you want to refinance your home, and want to get the best rates possible before looking into loans.  Or maybe you have a very low credit score, getting deeper in debt and need to do some real work to improve your credit score.
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We’re Mowing It Old School-ish

wet grass

Among the many responsibilities a home-owner can have is a lawn. For us, we’ve been pushing that responsibility on a landscaper who comes by once a week to mow the lawn, trim the edges, and weed the garden.  But this will be the last week he comes because next week we’re going DIY – We’re going to do our lawn and garden ourselves!

Why take care of the lawn ourselves?

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Investment Strategy For Beginner Investors

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In my humble opinion, I think that all of us should invest our savings.

In fact, the sooner we start investing, the better our results will be.  Often the problem is that investment language sounds like Chinese and there are more products that you can find in a Dollar Store.  The key point to remember when you are a beginner investor is to start with a simple investment method.  Then, along the path to becoming a knowledgeable investor, you will be able to implement more complex investment theories.
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In Defense of the Traditional IRA

Roth IRAs are tax-free.  Traditional IRAs are simply tax-deferred.  Surely tax-free is better, right?  And surely, therefore, a Roth IRA is the best way to invest for retirement, right?
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