How Can an IVA Affect my Job and Possessions?

An Individual Voluntary Arrangement (IVA) is a debt solution for people living in England, Wales, and Northern Ireland. An IVA is only valid once administered by licensed Insolvency Practitioner, who will then supervise the agreement between an individual and their creditors. IVAs were initially introduced as an alternative for bankruptcy as part of the Insolvency Act in 1986. Rather than having to endure the more significant impact of bankruptcy, individuals were offered the chance to make repayments but at a more manageable rate. Companies like Carrington Dean explain this in more detail: https://www.carringtondean.com/individual-voluntary-arrangement-iva/ What Does an IVA Mean for my […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 4/6

I’m currently on vacation in sunny Florida with my family.  I can’t think of a trip I’ve taken in my life in which I’ve been more happy to have been away from home.  While I’ve been basking in the sun at the beach in temperatures close to 80, my home state of Minnesota got slammed with a late season snow storm that dumped 8 inches of snow. Fist pump for missing snow storms, and for my favorite posts of the week! Posts That Make Me Fist Pump 9 Money Goals Everyone Should Have from Money Beagle 9 Best Apps to […] Read more »

5 Things You Should NEVER Order At A Restaruant

It’s not a secret that I view most dining out as a complete waste of money. It’s not that I’m totally against eating at a restaurant, sometimes the ebb and flow of life is made easier by having someone else cook for you. Other times it’s done as a celebration of a special event. But many times it’s done out of poor meal planning, or laziness. On top of that, people pay astronomical prices for things they could easily make at home cheaper, faster, and better. Here’s a list of things that when ordered are like nails on a chalk […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 3/30

My daughter will be turning 16 in just a few short weeks, and what she wants for her birthday is to have a dance with her friends.  Nothing fancy or elaborate, just a big open space with music and order pizza.  We found a building on our county fair grounds that has lots of parking, big space, and reasonable to rent.  While I thought we were done with the whole big birthday party scene, we want to do this for her sweet sixteen party.   Even though it is rather reasonable, it’s still not a trivial amount of money.  I agreed […] Read more »

5 Steps to Choosing an Insurance Plan that Covers Your Business Properly

Money is almost always tight among startups. Amazon was in business for about a decade before it finally turned a profit. Many owners believe that insurance is a good place to trim expenses. They often reason that with few customers and little business, they simply do not need it. This attitude is usually a mistake. Insurance companies for risk profiles, in part, based on your number of claims. So, if there is little risk, it’s a good time to buy insurance. Getting into the game later usually means higher premiums. Moreover, many insurance companies have waiting periods. Switching on coverage […] Read more »

Find Great Deals With Brickseek

Word of a great deal spreads fast. When a person finds a great sale, they not only tell their friends, neighbors and family, but they may also put it on social media. Some will find the same product at the same great price. Others will walk into their local store and find the product at a higher price. The same sale isn’t always in effect at every location of a specific retailer, especially when it comes to clearance sales. Websites like Brickseek can help you save time and money by finding the location with the best price near you. What […] Read more »

Recent Volatility in the Equities Markets Scares Investors

2018 has rekindled fear among investors that a recession might be on the horizon. The year began with a small decline in stock market prices, and this was effectively dismissed as a normal market correction after a period of sustained bullish pressure. But when volatility returned in recent weeks, there has been real fear in the market. Fear causes contagion, and it can have an immense impact on the market as investors will always want to assess what is going on. But is the recent volatility simply an emotional issue, or is it rational? Fed and Interest Rates February 2018 […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 3/23

We’re preparing for one last gasp from Winter here  in Minnesota.  A snow storm is supposed to roll in later today, dumping heavy wet snow on us.  But as normal, there’s a bit of uncertainty in that the temps may stay warm enough where it’s mainly rain.  I’m all for that at this point.  I’d rather have the liquid form of precipitation fall today and tonight and the sun come out tomorrow.   Come on, Spring! Raise those fists to Spring, and my favorite posts of the week! Posts That Make Me Fist Pump 10 Habits to Change to Save Money […] Read more »

Don’t Like How Your Taxes Turned Out? Change Your Withholdings!

After filing your tax return, you may be really excited or really disappointed about the outcome. The good news is, if you’re not happy with how things turned out you have the power to make changes and ensure you don’t have a repeat of the same next year. The most common result that would make people want to make a change is if they owed a large amount at tax time. However, if you received a significant refund you may also want to make a change to give yourself a little extra in each paycheck throughout the year. But you […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup – 3/16

I went into my mechanical room yesterday to clean out my cats’ litter box, and found water leaking from the water heater.  We have an appliance repair service plan, so I called to have a person come look at it.  Unfortunately, he gave me bad news.  The tank had cracked,  and after 14 years of serving us faithfully, our water heater needed to be replaced.  So today I’ve been working from the kitchen table as I watch a new water heater be installed, at a price of about $1800. At least I can still fist pump for my favorite posts […] Read more »

6 Things to Understand Before Joining the DasCoin Community

If you are wondering whether joining the DasCoin community is a good idea, this article is for you. We present a snackable guide on what you need to understand.   Here are some important bits of information to inform you whether DasCoin is worth it or not. Is DasCoin a Legitimate Cryptocurrency or a Scam? DasCoin describes itself as a digital currency solutions provider. They operate under the parent marketing company, NetLeaders. They have produced a white paper wherein they let interested people learn how DasCoin and the DasEcosystem works. The white paper is available on their official website and […] Read more »

How I Almost Missed Out On A $2100 Tax Refund

I have relied on tax preparation software to guide me through filing my tax return for the last 20 years. It’s easy to be lulled into a feeling of safety, believing the software will help you accurately fill out your tax return while identifying all your deductions and credits based on your answers. The reality is, the tax software is only as good as the answers you give it, and if you don’t have a basic understanding of what’s going on with your return you could end up missing out on a huge refund. It almost happened to me this […] Read more »

Term Life Insurance 101: It’s Not as Difficult as You Think

When it comes time to talk about life insurance, the word itself may shy people away from it. There are so many different types of terms to know and policies to understand. But because this is such a significant decision to make during your life, you’ll want to know everything you can about life insurance. So here is some helpful information on one of the most popular types of life insurance policies – term insurance. From the basics to the add-ons, we gathered everything you need to know to understand the basics of term life insurance. Basics of Term Life […] Read more »

Fist Pump Friday: I Love You Like A Blogger Roundup -3/9

Alright, friends, I’ve finally reached my breaking point.  It happens every year, but this year I held out all the way until March.  I’m officially sick of winter.  I want no more cold, sleet, ice, snow, blizzards or snowdrifts.  I’m done shoveling.  Just done.  Bring on the spring weather, the smell of freshly cut grass and the warm sun beating down on my freshly shaven head.  I know that there’s likely a snow storm or two still in our future for the season, but at least I have a trip to Florida to look forward to in less than 3 […] Read more »