Financial Well-being


Want to improve your credit score? Want to cut your tax bills?  Like to tear up hundred dollar bills? (You're probably doing that). How about this:  want to wake up retired and without money?  Your Financial Well-being rules your life.  We put you in charge of the rules.

 

Go Green at Home – and Save

go-green

Saving money is a top priority for most people these days. Yet, most of us also want to do our best for the environment. Taking steps that help you go greener at home and also save money is a win – win goal. So in this report, my team and I have pulled together a variety of easy, practical tips. Add at least one new green, money-saving practice each week, and over time your wallet and the planet will say thank you!

Lighting. Incandescent light bulbs lose about 90% of the electricity they use as heat. Replacing incandescent bulbs with compact fluorescent light (CFL) and LED bulbs, can reduce your electricity bill. Even though CFL and LED bulbs are more expensive than incandescent bulbs, they are more efficient and last longer. To avoid problems, however, you must choose the correct bulb for an application because CFLs and LED lights can burn out quickly when used in the wrong place. For example, a regular CFL “coil” light placed in a can light or an enclosed fixture typically will burn out rather quickly—a waste of your money. Excessive heat can also cause LED lights to burn out. Learn more about CFL and LED lighting at the energystar.gov site.

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Avoiding "Loan" Schemes and Other "Services" Risky to Your Financial Well-being

risky-loan

Economic hard times bring out the schemes and scams that aim to make a buck on people who may be feeling pressure financially and who are unwary. We have seen dozens of ads and email solicitations for "opportunities" that could wreck an already stressed budget. So this report details 1) some schemes and scams to avoid always and 2) some services that may be helpful in certain circumstances but that you must choose wisely how to use.

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Getting the Most for Your Vacation and Travel Dollars

vacation

These days, every fill-up of the family vehicle brings new sticker shock. The soft economy along with rising fuel prices have many people rethinking their summer travel and vacation plans. Before you decide simply to skip this year’s vacation, consider all the ways you can save money and still enjoy getting away. This report discusses ways to get the most for your travel dollars.

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Saving on Health Care Costs

healthcare-savings

Health care costs can take a bite out of your wallet. Are you one of the many consumers who are concerned about health care costs? This report looks at various ways to help you save on health care costs.

Health Care Savings Programs

There are various programs established by Congress that can help you save money on health care costs. The following types of plans utilize either pre-tax or tax free dollars to pay for health care.

Health Savings Accounts (HSAs)

Health Savings Accounts are tax-exempt savings account that allows account holders to pay covered health care expenses with pre-tax dollars. To qualify for an HSA you must:

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Thinking of Donating Your Used Vehicle to Charity?

altDozens of radio and TV ads from many different charities are currently flooding the airwaves suggesting that you donate your used car or boat. Are you considering it? If so, then you need to know how the 2005 changes in IRS rules might affect the tax deductibility of your gift. You also need to know how to check out the charity you're considering. This report will help you do these things wisely. Planning to donate to a charity but not necessarily a vehicle? You'll want to read this report too. I'm going to start with the most important thing—how to check out the charity so that you know your dollars will go where you want them to. Then, I'll share the technical details about vehicle donation.

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Thinking of Donating Your Used Vehicle to Charity?

altDozens of radio and TV ads from many different charities are currently flooding the airwaves suggesting that you donate your used car or boat. Are you considering it? If so, then you need to know how the 2005 changes in IRS rules might affect the tax deductibility of your gift. You also need to know how to check out the charity you're considering. This report will help you do these things wisely. Planning to donate to a charity but not necessarily a vehicle? You'll want to read this report too. I'm going to start with the most important thing—how to check out the charity so that you know your dollars will go where you want them to. Then, I'll share the technical details about vehicle donation.

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