Simple Secret to Savings: Start with a Single Step
By Yohana Vargas

The journey of a thousand miles begins with a single step.' Its as true
with saving money as with anything else.

These days, weve been frightened into thinking we must save thousands of dollars immediately. Most of us simply cannot do this, and the media does us no favors when it makes the situation sound so hopeless that we might as well give up.

Financial planning should be focusing on real people, people who have trouble saving, people ......

Why Should You Save Money?

We are always hearing save, save, save. But if you don't have a reason to save, it isn't likely you will.

Most people live paycheck to paycheck. Many people simply do not have the money to save. There just doesnt seem to be enough money left over after paying the necessities.

And I'm not just talking.....

The Problem With Credit

          The credit card is perhaps the single most significant item associated with the Baby Boomer generation.  As a war baby on the frontal cusp of the baby boom, I remember my mother’s suggestion that I apply for a Marshall Field credit card in order to establish a credit history.  (She also worked at Marshall Field & Co.)  The year was 1970.  I was 27 years old and until then had paid cash for everything I owned.  She advised me to purchase a major item (in my case, a Thomasville coffee table for $250) and pay the balance down over a year’s time.  I did this diligently, and the following year I bought two lamps, taking another year to pay them off.  (By the way, I am now 57 years old, and I still have the coffee table and the lamps.) .....

The History of Credit As We Know It

          We study the past, some say, in order to understand the present as well as the future.  Knowing the origin of the credit card may help explain the attitude Americans have towards it.  I reflect on this history every time I use a credit card.

          Although credit cards are used to purchase many things, their history is inextricably tied to pleasure - the pleasure of eating.  A group of businessmen in New York thought it would be advantageous to be able to “sign” for their meals at a number of restaurants they frequented for business lunches and dinners much the same way they “signed” for goods and services purchased by their businesses. .....

Budgeting for Life
by Brad Homer

Budgeting isn't about money as much as it is about life. Living your life to the maximum should be your goal when it comes to budgeting. Spending all the money you earn now on things you enjoy is probably as foolish as living like a pauper now to live it up later. Later is not guaranteed. How you balance your current needs with saving for your future is up to you. .....

WD40 - Who knew?

Water Displacement #40. The product began from a search for a rust preventative solvent and degreaser to protect missile parts. The product began from a search for a rust preventative solvent and degreaser to protect missile parts. WD-40 was created in 1953 by three technicians at the San Diego Rocket Chemical Company. Its name comes from the project that was to find a "water displacement" compound. They were successful with the fortieth formulation, thus WD-40. The Corvair Company bought it in bulk to protect their atlas missile parts. . . .