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

20 October 2012

Saving for Retirement is Multidimensional

 Personal Finance         No comments

While I am still young, I have already started planning for retirement. I absolutely love this stuff. I like planning ahead and being responsible. Since I am relatively new to planning for retirement, I feel like I learn something new about retirement every day. There was an article published recently about a check list for […]

18 October 2012

What Happens When You Don’t Pay Taxes

 Taxes         No comments

Perhaps you haven’t given it much thought, but there are very different implications and penalties for not paying your taxes. I’m not just talking about Federal income taxes. There are numerous taxes that an individual can face. Each tax comes with its own unique personal finance mess.

16 October 2012

Some Tips for Those in Financial Difficulty

 Personal Finance         No comments

Financial difficulties can disrepair families and ruin lives. Whether it’s the sight of being confronted by the bailiffs – and the consequences of that confrontation – or the realization that you barely have enough money to provide sufficient food for your kids to be nutritionally healthy; severe economic problems are a burden we all fear to the utmost. In the midst of the complete absence of hope that money problems bring for many people however, there are a few things that can be done to help alleviate the stress and, temporarily at least, help repair the situation.

15 October 2012

Bond Ladders Aren’t Just for Old People

 Personal Finance         4 comments

Grandpa might have been on to something when he liquidated his stock holdings and invested in a bond ladder. At the time you didn’t know what the hell he was talking about, but you were quite tired of hearing him talk about the risks associated with the stock market. After the reinvestment, you hardly heard a word about his retirement. His risky investments turned into an income-producing bond ladder and money troubles went away. Now that you’ve got a little money saved up, you’re wondering if a bond ladder might be a good choice for you.

11 October 2012

Families Risk Tricks to Save Money on Treats

 Personal Finance         No comments

I love consumer data, because it tells us something about our society. Whether it is gender norms – like how women fold toilet paper while men ball it up – or behavior, such as 87 percent of Android users using their phone on the toilet. How we celebrate holidays is no different.

8 October 2012

Frugal Tip: Save Money on Redecorating

 Personal Finance         No comments

Are you looking to spice up your home with a little redecoration? It’s understandable to want to change things up a little bit. No one likes to keep the things the same for too long. Some new furniture or different colors may be exactly what you need to liven up the place. Before you get […]

8 October 2012

5 Ways to Enjoy the Movies for Cheap

Popcorn, the dark theater, a comfortable seat, the big screen, a good film, and booming surround sound…. This set-up lures people to attend the movies. Although going to the movies is good, clean fun and is enjoyed by everyone, this entertainment source does not come cheap. With the prices of commodities getting higher and higher, entertainment, including watching a movie, becomes a luxury. Still, it is impossible and probably unwise to totally eliminate entertainment expenses.

4 October 2012

It’s Better to Be in Credit Card Debt Than Bounce a Check

 Personal Finance         No comments

Here’s a statement that guarantees me some grouchy comments: it’s better to be in credit card debt than to bounce a check. Of course, it’s better to properly manage your money and face neither scenario, but we don’t live in a perfect world. Somewhere, in the great big financial world, someone is short on cash for the month and they are planning on bouncing a check, when really they ought to be going into credit card debt.

1 October 2012

The Big Trip: How to Prepare Your Finances for Travel

 Personal Finance         2 comments

The thought of just hopping on a plane to go anywhere at a moment’s notice, with no worries or qualms, leaving everything behind to travel for a bit is a romantic, thrilling notion. However, unless you’re Donald Trump, it may be a little unrealistic. While you definitely can just fly far far away, taking a couple steps to make sure your finances are in order first will save you a lot of trouble during and after your trip.

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