I am passing this on to you because it definitely works, and we could all use a little more calmness in our lives. By following simple advice heard on the Dr. Phil show, you too can find inner peace. Dr Phil proclaimed, “The way to achieve inner peace is to finish all the things you have started and have never finished.” (more…)

Here’s How It Works:

For some reason there are a lot of people out there who would rather lie, cheat and steal, than to go out and earn an honest day’s living.  Because of that, credit card scams are on the rise, and one of the more prominent tools used to perpetrate the scam is email. In this case, the scammer will send you an email message (scam) that appears to be from your credit card company. (more…)

There are several steps for the property tax appeal process. The first step is to determine if you are receiving a higher assessment than what you believe the property could sell for in this period. If you feel the assessed value is high, you can then take the first step towards appealing the tax bill. If you do not succeed on the first level, you have two other levels to appeal to before taking the final step in a courtroom. (more…)

Owning a home outright is a dream that many Americans share. Having a mortgage can be a huge burden, and paying it off may be the first item on your financial to-do list. But competing with the desire to own your home free and clear is your need to invest for retirement, your child’s college education, or some other goal. Putting extra cash toward one of these goals may mean sacrificing another. So how do you choose?

Evaluating the opportunity cost

Deciding between prepaying your mortgage and investing your extra cash isn’t easy, because each option has advantages and disadvantages. But you can start by weighing what you’ll gain financially by choosing one option against what you’ll give up. In economic terms, this is known as evaluating the opportunity cost. (more…)