Steadfast Finances - A Personal Finance & Investing 101 blog that delves into current events, consumer education, and techniques to improve your bottom line.
29 November 2012

Why You Don’t Want to Make an Auto Insurance Claim

 Personal Finance         1 comment

There wasn’t much I could do. The deer ran out in front of me and froze in the middle of the road. I had only an instant to react and knew swerving into on-coming traffic was likely to get me killed. My only choice was to hit the buck and deal with the inevitable damage. I’ve hit deer before and they are sturdy creatures. A mere tap can cause more damage than is seemingly possible. My collision will mean repairing my bumper, hood, headlight, fender, door and side mirror. One deer is going to cost me thousands.

26 November 2012

A Snowball’s Chance in … America: Creating and Maintaining a Debt Snowball

 Personal Finance         No comments

America is the “Land of Opportunity.” Everyone has a chance to go to school, get a paying job, earn enough to buy the house with the while picket fence, and retire when they are 60. Unfortunately, America is also the “Land of Crippling Debt.” As of 2010, the amount of consumer debt in the United States was approaching $2.4 TRILLION, which, when broken down, amounts to $7,800 for every single person living in the US. Consider this; these numbers were high in 2010, how high do you think they are now? The US economy is taking a nose dive and every man, woman, and child in this country is feeling the debt effects–but there’s hope.

22 November 2012

Average Cost of a Thanksgiving Dinner

There’s a feeling of sticker shock the first time you roll over the frozen turkey at the grocery store and check out the total cost. It might seem steep, but the average cost of a Thanksgiving dinner is very affordable. According to the American Farm Bureau Federation, the average cost for a family of 10 is under $50 or slightly less than $5 per person. You probably spend more money driving to Grandmother’s house. Still, there are many things that can be done to spend less than the average American.

19 November 2012

5 Ways To Make Your Resume Stand Out

 Personal Finance         No comments

Today’s job market is very competitive. With the state of the economy these last couple of years, jobs are now at a premium. Many companies have a hiring freeze, and some others have downsized to make them more agile. However, colleges and universities are cranking out more and more graduates every year. These fresh graduates are now competing with newly unemployed people who already have work experience. With the limited number of jobs, you really have to sell and market yourself to a prospective employer, and your resume is your first opportunity to do so.

15 November 2012

How I Would Have Retired Early

I’ve long since thrown in the towel on retiring by 35. That was my goal as a sophomore in high school and when I look back on it, I can’t help but snicker at how naive I had been. Not because retiring by 35 is unreasonable. If anything, I believe it is more possible now than I’d originally believed. It was my strategy and ignorance of money that hindered my chances of retiring early. If I could do it all over again, I would have done things much differently.

12 November 2012

4 Bond Strategies You Can Use To Grow Your Portfolio

 Investing 101         2 comments

Investing in bonds is just one way to diversify your investment portfolio. After all you should not put all your eggs in one basket. Bonds are a great investment if you want a regular income stream. Many people enjoy receiving the added income while preserving their initial investment. When it comes to investing in bonds, there are actually many different strategies that you can employ.

8 November 2012

How to Get a Tax Deduction from Hurricane Sandy

 Personal Finance         No comments

In comparison, it wasn’t as bad where I live. Many homes were without power for a couple of days. A few downed trees proved a nuisance for homeowners who now had to deal with chopping them up. I had to chase down my recycling bin, which was sent racing down the street by a gust of wind. For those in NJ and NYC, the conditions were far worse.

5 November 2012

5 Unforeseen Expenses That Can Ruin Your Retirement

Retirement is the culmination of everything we worked hard for throughout the first two-thirds of our lives. It is the time when we can truly start to enjoy the fruits of our labor. Well, ideally, it should be. But what if, before you even start to enjoy your rest and freedom, you discover certain financial obligations that you never even considered before. You find out too late that there are hidden expenses that you still need to pay for regularly. That will surely burst your bubbles fast on your last day on the grind.

1 November 2012

Four Money Saving Tips for New Homeowners

 Personal Finance         No comments

Congratulations. As a first time home buyer, you get to enjoy the wonders of home equity and excitement of housing inflation. However, being new to owning, there probably is a lot that you need to figure out and I’m not talking about where to put the coffee table. Expenses can add up quickly when you own a house, but there are many costs that are easily avoided, so long as you are aware of them.

29 October 2012

Student Loans – Yea or Nay?

With these tough economic times and the cost of tuition and other expenses skyrocketing, paying for college puts enormous pressure on the shoulders of both parents and students. Sometimes, even after your parent’s contribution to your college fund is made, and you have received all the deductions due to financial aid and other grants, you still have a gap between the amount you have on hand and the amount you need.

25 October 2012

The Finances of Faster Highways

 Economy         No comments

Texas is looking to break the speed barrier. A new highway proposal is schedule to set an 85 mph speed limit, making it the fastest section of road in the US. Proponents of the speed limit increase maintain that by increasing speed, it will increase traffic use, which is good for toll revenues. However, financial opportunities never arise without financial consequences.

22 October 2012

How to Cancel a Student Loan and Why

 Personal Finance         No comments

Educational loans and student loans are thought to be the next big bubble that explodes in the economy. Many students are worried about their student loans, and many are not familiar with the terms and conditions. These student loans are to be repaid by the students themselves one day. So having less debt from the get go is always helpful.

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