If you haven’t noticed already, the collection arm of the U.S. Treasury is more present in our lives than ever. The IRS has the ability to verify every return you file.  Much of the scrutiny is done by super computers, so an audit may never be necessary for your mistake to be discovered. Do not mess with the IRS—they shoot first, ask questions later. Here are some tax mistakes of which the IRS is already aware: Focus on the mundane details. Fairly simple mistakes look like this: Wrong social security number, failing to file on time, typographical errors, failing to […] Read more »

Royalty Free Photo When you look into the various business insurance options here in the state of California, the first thing that business owners tend to think about is the cost of the policy. They can be pretty expensive, and it can be hard to see it as anything other than a negative. But did you know that by having business insurance you can actually help to protect your business from accumulating debt? Let’s take a closer look. What is Business Insurance? In order to understand how it can actually save you money to have insurance, you first need to […] Read more »

Who wouldn’t like some extra money in their pocket every month? There are several ways that you can earn extra money, like getting a part-time job on the weekends, but most people don’t want to do that. Luckily, there are several ways that you can cut down your expenses, which is going to give you a lot more money in your bank account every month. There are dozens and dozens of different ways that you can trim down your budget, most of them are very simple to do, but can make a huge impact on your finances. Buy Generic One […] Read more »

United Debt Counselors offers customers debt settlement services. The debt relief company steers away from debt consolidation in an effort to more quickly resolve consumer debt issues. “For many customers, debt consolidation doesn’t offer a legitimate avenue for escaping high-interest credit card debt,” a spokesperson said, “With debt settlement services, we are hoping to provide an additional route for customers who are plagued by unsecured credit card debt. We understand that many Americans are in a position in which they are unable to afford their repayments – we’re here to try and fix that.” Some debt relief companies focus on […] Read more »

It’s always a good idea to keep your expenses to a minimum and save as much money as possible. This allows you to build up an emergency fund and prepare for the future. But you don’t want to focus so much on saving money that you cut all the fun out of your life. Here’s how you can prioritize your hobbies to keep spending down and cut down on your debt. Evaluate Your Current Financial Situation The first step in taking better care of your finances is creating a budget, as this shows you exactly how much you make and […] Read more »

Gold is currently trading at $1,249.90 per ounce, and on the cusp of a reversal. Gold has racked up multiple consecutive sessions of gains, thanks in large part to a weak USD. Presently, retail trade data reveals that a total of 73% of traders have taken out a net long position on gold, and the long/short ratio is 2.75:1. However, it is important to analyse all aspects of current trends, and to trade the fundamentals in the gold market. While speculators may be going long on gold now, analysts are going short on the precious metal. The consensus among gold […] Read more »

In previous generations, building wealth was as simple as committing between 10% and 20% of your annual salary into savings. With variable rates on offer to consumers, regular savings could quickly accumulate and contribute towards a nest-egg that could prove invaluable in later life. The same cannot be said in the current economic climate, however, which has been convoluted by the rise of globalisation and various, geopolitical events from around the world. As a result of this, it is increasingly difficult to save and build wealth through traditional vehicles, meaning that citizens are being forced to speculate and improve their […] Read more »