The Financial Impact of Divorce

Divorce. The word itself causes many of us to shiver. Not only can it be an emotionally painful and exhausting process, but it can also burn a huge hole in one’s wallet. Divorces can be extremely long, drawn out processes or can proceed quickly depending on the attitude of the parties involved and the requirements […]


Six Ways to Protect Your Good Credit Score

Good credit is critical. Whether it is buying a home, a new car, applying for a credit card or taking out student or personal loans, a good credit score can save you thousands of dollars in interest payments. Building good credit is a challenge for many. Once you reach the promised land, however, you want […]


Is Costco’s Lifetime Return Policy a Scam?

This article is about my experience with Costco’s purported lifetime return policy. But first let’s review. Last week Michael published an article about how he stole $45 from Costco. He felt terrible about what he had done and wanted readers’ views on the situation. Most people felt he did the wrong thing, myself included. But […]


Making Money Online–5 Real Life Examples

From time to time we’ve talked about how to make money online. And the fact is that anybody can earn money with an online business. I know many folks, for example, who not only make money blogging, but make enough to quit their regular jobs. So today I thought we’d look at 5 real-life examples […]


What is a W-7 Form?

A W-7 Form is used to obtain an Individual Tax Identification Number or “ITIN.” An ITIN is a number used for tax filing purposes and is issued by the Internal Revenue Service (IRS) to those individuals required to have a U.S. taxpayer identification number but do not have, and are not eligible to obtain a […]


Lending Club IRAs Can Help You Save for Retirement

My first IRA was a rollover with Vanguard. I still have the account today, and it’s a perfect way to invest retirement funds in low cost mutual funds. Sometimes, however, you want to invest a portion of your retirement into something a little more exciting. One option for those looking beyond mutual funds is Lending […]