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18 September 2012

Shopping for a New(er) Car? How to Minimize the Cost

The other night I was wasting some time on craigslist when I was looking at some possible cars that I might buy next time I need to upgrade. My wife asked what I was doing and I of course responded that I was looking at cars. She challenged my decision to waste time on this asking, “when do you think we need to buy a new(er) car?” I knew she had me there. I don’t plan on buying a different car for 2-3 years at the earliest. It’s just that I like to know the “going rate” for cars so that when I do need to shop for a new car, I have a general knowledge of the market. You, like my wife, can call me crazy but I like to be prepared. Considering that I obsess about this, I figured I would share my thoughts on minimizing the cost of a car, which is often a depreciating asset.

13 August 2012

The History of the Credit Card

Although it may seem almost impossible to live without one today, the credit card is actually a relatively new creation. Just 70 short years ago there was no such thing and all transactions were done using cold, hard cash. Find out more about the history of the credit card.

11 June 2012

The Real Deal of “Deal of the Day” Websites

SALE… This word appeals to everyone these days and not just to women anymore. Men are attracted to this four letter word especially if it applies to items that they want. It is the magic word behind the craze of Black Friday sales and Cyber Monday deals. The popularity of sales and great deals is the reason for the success of the “Deal of the Day” offers. “Deal of the Day” offers (also called daily deals) are exclusive offers to members that include almost anything. It includes the basic stuff like beauty products, electronics, food, medical services, health and fitness, but it also includes more lavish offers like vacation packages.

4 June 2012

The Hidden Costs of Owning a Smart Phone

Are you wondering why a smartphone is different than any other cell phone and what really makes it that smart? While cell phones and PDA’s gained internet capabilities to send and receive messages and email, more functions were continuously being added to smartphones. Does your cell phone do anything besides make a phone call? Find out if it is worth the costs.

7 May 2012

Investing in a Timeshare – Is It Worth It?

Exclusive membership, unique settings, beautiful resorts, fabulous locations, great marketing pitch, and access to above ordinary amenities. These are just some of the things that may encourage an individual to invest in a timeshare. You may already know the wonderful perks included in timeshare offers, and since it’s been made obvious from day one by agents with great marketing schemes, there is one question you need to consider before putting your hard earned money in this arrangement. With all the wonderful amenities that you will receive, is it all worth it? Will you get your money’s worth? Timeshares are not cheap because you have to pay for exclusivity, but is it a good investment in the long run.

23 April 2012

Credit Cards: The Culprit of the Modern World Debt

Have you ever been in a situation where you find something you really want to buy but cannot afford it just yet? If it were the old days, you probably will save up for it first then go back and buy it as soon as you racked up enough cash. But that’s not the way things happen anymore. Now, many people given that same situation will pay for it using a credit card instantly, thinking they have at least a month to save for it.

21 March 2012

What You Need to Know About Mobile Payments

While some cell phone credit card processing methods, like those associated with the Smart reader, raise the potential for fraud due to a lack of encryption, charge card terminals tied to the Apple iPhone are offering a low cost processing solution for some merchants. The combination of comparable security in a more mobile package at an entry price point of $80 to $150 is certainly attention getting, in both a positive and negative sense. There are just as many people who look askance at the iPhone terminals as those who are intrigued by them. So what’s the real story?

1 February 2012

Why the Recession was a Good Thing

What comes to mind for most people, when they think of the recession, is not something pleasant. The recession is often associated with loss of a job, separation from family, significant lifestyle changes, foreclosure, etc. None of these are positive images. Yet, there are many reasons why I love the recession. What the Recession Meant [...]

18 April 2011

The Downside to ‘Trust Us, We Can Regulate Ourselves’

One of the better pieces I’ve seen on CNN since, well, the first Gulf War coverage. Goldman Sachs was the number one private campaign contributor to Barack Obama’s presidential election campaign. It’s one of the single biggest contributors to both parties in Congress. So it’s a rare event when a establishment politician like Carl Levin [...]

25 March 2011

Ex-Tax Collectors Turned Corporate Tax Dodging Heroes

Many years ago, John Madden once gave a memorable quote about the necessity for speed at the skill positions in the NFL: Speed: can’t teach it, can’t coach it, better draft it! It would appear that General Electric, a “too big to fail” corporation, has a similar philosophy in paying their corporate taxes… if you [...]

9 March 2011

U.S. Leading World in GM Farming, By Far

I’m probably a little biased in this debate having worked as a gene jockey in my undergrad days, but it’s quite disturbing to see the growing number of U.S. farmland being converted to genetically modified food production. For the mathematically lazy, 1 hectare equals 10,000 m². So 66,800,000 hectares of U.S. farmland equates to 6,680,000,000,000 [...]

23 February 2011

Consumers Focusing on Research, Not Marketing

This has to be a brand advertiser’s worst nightmare… “Be afraid … be very afraid.” AMP Agency, a Boston-based branding firm, has just completed a study of consumers, “Inside the Buy,” that suggests that actually very few consumers between the ages of 25 and 49 are moved to purchase by habit, or sentimental considerations for [...]

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