Money Management and Personal Finance | The Dough Roller
CheapOair.com is a 7-time award winning travel website, helping consumers book their travel purchases for years. They offer one of the largest selections of airfares, hotels, car rentals, vacation packages and travel deals obtained from multiple sources, including three of the most respected and widely used reservation systems and fifteen other negotiated rates data sources [...]
When my wife and I first had children, one of the big questions I asked was a familiar one: How much life insurance do I need? While nobody likes to think of their own demise, it’s prudent to consider what financial ramifications your death could have on those you leave behind. It gives me tremendous [...]
In its most general definition, debt consolidation is when a company or individual takes out one larger debt in order to pay off several smaller ones. A company might do this if it took out several small loans to finance growth and now finds interest rates lower than they were for the original loans. Most [...]
If you’ve ever read Don Miguel Ruiz’s book, The Four Agreements: A Practical Guide to Personal Freedom, you’ll understand the basic concept to living a happy life comes in four principles that a person must adopt. These four agreements are meant to be made with yourself and help guide your life in the direction of [...]
If you’re a homeowner who might soon sell a home, or an investor with money in stocks, bonds, or real estate, you’ll need to be familiar with Schedule D. Tax form1040 Schedule D is a form used to report capital gains for the purpose of income tax. A capital gain is any profit made from [...]
About six months ago, a friend of mine asked me if he should do a balance transfer. At the time, he had $3,000 of credit card debt and was paying 16% interest. I asked him how long he would need to repay it. He said six months at most, maybe three if he really pushed [...]
Photo: UggBoy UggGirl As I’ve written about many times, one of the best ways to save money is to refinance debt to a lower rate loan. When most people think of refinancing, the home mortgage is the first thing that comes to mind. But you can also refinance credit card debt by taking advantage of [...]
Whether you’re a fan of the way Wal-Mart does business or not, you have to give them kudos for taking care of their employees. Previously, if an employee worked for the retailing giant for longer than 13 months, the option was provided to partake in profit sharing with Wal-Mart. Now, that option has been replaced [...]
As we’re flooded with new products and services every day, it’s becoming increasingly difficult to stay disciplined with savings. The temptation to buy and consume can often outweigh long term goals such as retiring early, having financial stability, and providing for your family. How Much to Save Each of us has our own unique financial [...]