A root canal, which can be incredibly painful and lead to other problems, must be fixed right away, but if you don’t have dental insurance you could be spending upwards of $1000 or more on costs. Because many dentists practice in private offices, the costs can be far more than other medical costs, mostly because of high overhead. Most people need to have their teeth cleaned up to twice a year, or more, which can really start to add up. In addition, there will undoubtedly be other costs too, like x-ray and check up fees. If you are one of...
As more and more people are not only becoming increasingly aware of how they spend their money, but also of the various things that they can do to preserve the environment, many individuals have been spending less time at their local grocery store and opting to grow their own food instead. And while it may initially seem like a really good thing to do (and for many reasons, it is), the reality is that, as with most things in life, there are pros and cons that come with making that decision. If you’ve been wondering if it’s worth the time...
The IRS and the federal government gives married couples the option of filing their taxes jointly or separately. Overall, one of the biggest incentives in getting legally married within the state in which you live is that it can give couples the opportunity to save big money on their taxes by combining their returns. For married couples trying to start a life and a family together, they are given many tax breaks by the IRS that are financially beneficial so that they can have an easier time buying a house and providing for their kids. However, there are also some...
There are few experiences quite as fulfilling as owning a home. It goes far beyond interior decorating in an apartment, giving you an entire property with which to raise a family and express your personal taste. Home ownership isn’t easy, however. Beyond the obvious costs of a mortgage and property taxes, you’ll always have a to-do list of repairs looking to be addressed. Houses take an awful lot of bumps and bruises during a long winter, and even the hardiest property often has ‘character’ issues inherited from the previous owner. There’s simply no way to deal with all of it...
The last thing anyone wants to worry about while sunbathing on a white sandy beach is their money being gobbled up by hefty transaction fees and currency exchange rates. So, how can you make your money travel further when exchanging foreign currency abroad? Do your Homework Credit Cards Retain your credit card usage for larger purchases, such as travel, hotel bills and meals. Most credit card issuers charge currency conversion fees, however they are usually lower than cashing traveler’s cheques or converting your money at a bureau exchange service. There are also cards that do not charge foreign transaction fees...
This is the first house that we owned and with it comes as whole slew of new problems including roof damage. Welcome to home ownership! I hope when you went to purchase your house you did the extended due diligence to make sure there were no structural issues with the house and proper roof maintenance has been performed. These can be incredibly expensive if one of these pop up after you have purchased the house. I am going to dive into roof damage to asphalt shingles in this article and how to ensure that it does not happen to you. ...
There are few things quite as distressing as finding out a friend or loved one is seriously struggling with money. But in the midst of the recent recession this is a regrettably frequent occurrence. The cost of living continues to rise, while jobs are still scarce and many professionals have been forced into pay cuts or reduced hours just to keep their jobs. If you’ve weathered this storm and are still financially whole you’re not exactly in the majority. And you most likely want to help the people you care about to navigate their way through this trouble as well....
Prom is just around the corner and there no if’s and’s or butt’s about it, prom night can be expensive for the parents of attendees. Statistics say that a typical family will spend about $1,078 this spring, a huge jump from $807 in 2011, for their child to go to prom. Yet, there are a number of ways for your teen to save big without forfeiting a good time. After all, it is prom night and any parent will want their child to have the night of their life, more than anything. Here are 5 ways to save money on...
Part of the joy of owning a home is having the opportunity to reshape it as your heart desires. Over the past few decades the DIY home renovation movement has truly blown up, with massive chains like Home Depot and Lowe’s now providing the weekend contractor with all of the tools and materials necessary to tackle basically any home improvement job. And thanks to the internet, you can also find step-by-step guides to walk you through any situation, many featuring videos that show you those tips in action. So while you may have access to the resources and the information,...
Truly payment of taxes is the core of concerns for all the people whether working somewhere or self employed. When you are forced to lose a heft amount of your hard earned money, it really hurts. Dodging different taxes altogether is simply impossible. Certainly it is not legal at all and you will be caught somewhere if you are able to abscond the taxes through some way. So the payment of taxes is like a ghost that haunts each and every individual around the year. But ever have you thought about some tax relief. Yes it is possible. Let us...
Will you be partaking in St. Patrick’s Day festivities this March? Do you love hosting parties? If you do, you’re probably going to go all out decorating your home. Unfortunately, party stores try to charge you a premium price for decorations. Do you really want to spend your entire budget in decorations when you’d rather spend it on lots of food and drinks? Below we showcase four ways you can save on decorations: Go To The Dollar store – Long gone are the days of bad quality items at the Dollar Store, as you’d be surprised at what you can find...
Plenty of people are under tremendous pressure of paying huge amounts of loans for their automobiles. In order to realize their dreams they either invest all their lifelong savings or give away their jewels for money. In this situation there are two options open to the car owner- either leasing a vehicle compelling one to get involved in regular heavy monthly expenditure or resorting to vehicle finance loans available in the market to finance a vehicle. These loans are for those people who cannot afford to buy a vehicle with a onetime down payment. There are plenty of reputed websites that promote loans to finance vehicles. What one needs to do is to study and...
High net worth individuals – usually categorised as those with assets in excess of $1 million – are advised to use a wealth management service. This is a diverse role, sometimes referred to as private banking. Wealth managers take on a wide range of responsibilities, ranging from picking stocks and risk management to retirement planning and advising on emergency cash. Those with considerable sums of money often find their assets are widely spread, which makes personally managing them difficult. A wealth manager can be used to ensure those assets work productively for maximum growth of value; they will have extensive...
There’s no question that the food you eat makes a huge difference in your long term health and well-being. Whether you think GMOs and pesticides are a severe detriment to farmers and our environment or not, it’s pretty much a no-brainer to declare that fresh, natural food untreated by chemicals and unaltered by man is always going to be better for you. But it’s also more expensive. People who only eat organic foods know they are making an investment in their future, and hopefully cutting down on potential medical expenses by giving their body the healthiest fuel possible. But that...
Saving money is about keeping your money somewhere safe. Because your savings will be your resource during hard times, you should make sure that you keep it somewhere safe. You should know where to save money so that you can draw something when you are financially burdened. Saving money is also knowing which expenses you can cut down on. This is where budgeting comes in handy. Here are some tips on where you can safely save your money. Where to Put Your Money Keeping your money safe is also keeping your future safe. Make sure that your money is in...
The issue of debt ceiling and its existence due to fiscal cliff has been the center of attention for the international media. There’s a lot of drama to catch up on between the fact and figures of the debt ceiling and the fiscal cliff. What Is Debt Ceiling and Why It Came Into Existence For people who read less or are little familiar with what’s going on with the U.S economy, the debt ceiling is Congress’s method of handling how much money its Treasury can borrow. At present, the debt limit is set to $16.39 trillion. In fact, the Constitution...
