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

27 September 2012

How Four Types of Financial Agents are Paid

 Investing 101         1 comment

It is hard to avoid. At some point, you need to work with a banker, broker, agent or realtor to obtain the financial products that can help make you wealthier. The Fed’s Survey of Consumer Finances showed that nearly 40 percent of families will consult a banker or a broker for financial and investment advice. Aside from friends and family, financial agents are the second or third most common source of financial information.

27 September 2012

Ways to Start a Business

 Business Trends         No comments

Are you looking to start your own business? While the initial stage may be exciting when starting out on a journey like this, it is often the most challenging period for a small business owner. Not only are you tasked with creating the system or systems in order to increase later efficiency, you are also forced to come up with the funds to run the business. Every business needs money – it’s just a matter of how you are going to acquire the money.

24 September 2012

The Cost of Raising a Child

 Personal Finance         No comments

For most parents, having a child is a joyous event in their lives, and there is no bigger responsibility than having the welfare of another person in your hands. If you are a new parent or a parent to be (or probably even the veteran parents), you will probably agree, that it is not an easy task. Aside from ensuring the welfare and safety of the child, you need to struggle with every little detail of the child’s presents needs. You do not provide just for your needs anymore but for the child’s as well. It is the time when your needs take a backseat.

21 September 2012

What to Buy Your Teenager For Their First Car

 Auto Sales         1 comment

A colleague of mine, who is much older than I am and has teenage kids, is thinking about how he wants to get his eldest child a used car that can be their own. This is common for most middle and upper class families. A few extra thousand dollars to buy a used car can go a long way to helping a teenager grow into adulthood. Yet, that doesn’t make it an easy decision. In fact, there are a lot of variables. How new of a car do you get? What make? What model? What are the goals for buying this car? How long should you expect it to last? While I am no expert, I thought I would share my perspective on what to buy your child for their first car.

17 September 2012

Hiring A Financial Planner: What You Should Do

 Personal Finance         No comments

Hiring a financial planner can be one of the smartest moves that people can make. Although this isn’t necessary for everyone, most people can really benefit from hiring a professional who can effectively manage your finances. But when it comes to deciding, and the hiring process itself, many of us don’t know what to do. If you’re considering hiring a financial planner, here’s how to do it.

14 September 2012

Factors in Selecting the Best Bank Account

 Banking         No comments

Managing your personal finances is quite complicated. There are many aspects and subjects to cover and it often takes years of active work to get everything in order. It is so complicated that many people give up on the small things and just focus on the major things. Yet, small things do matter. As the popularized “latte factor” has illustrated, a few bucks here and there over decades adds up really fast. The same is true for bank accounts. A recent article on MSN Money drew attention to the fees associated with bank accounts. This only highlights the fact that it is important to consider the smaller details of bank accounts when selecting the best one as it can mean the difference of thousands of dollars over your lifetime. A few minutes of research will be sufficient once you know what factors to consider.

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