It is like burning your money to pay that much interest!

At one of my favorite personal finance blogs, Free Monday Finance, the article for today talked about one of my favorite personal finance experts in Dave Ramsey. If anyone knows me, you know I am a sucker for Dave Ramsey related material. You also know that one of my biggest motivators are easy things you can do with your personal finances in order for it to pay off big in the long run.

Dave Ramsey and smart things you can do to get ahead! I am all ears!

Dave in his book The Total Money Makeover: A Proven Plan for Financial Fitness (starting at $9.50, not a bad investment to save you this kind of interest!) talks about a survey of the Forbes 400 richest people in America. When asked, 75% of these multi-millionaires said the best way to build wealth is to stay out of debt! Read More of » Don’t Pay Your Bank Twice!

Phillip Mann is one of those really smart tax guys. You know the kind of lawyer I’m talking about. He has served as the tax legislative counsel for the Department of the Treasury. His practice includes policy work with the Internal Revenue Service and the Treasury Department. So why would he knowingly pay more per year in income taxes to live in Maryland rather than Virginia?
Then there’s Robert Baldassari. As a principal with the McLean accounting firm Matthews, Carter and Boyce, he works on some of the most complicated tax issues in the Washington area. He quotes tax statutes with the same ease that many quote sports statistics (and finds it just as interesting). So why would he do something as inane as pay Virginia a personal property tax of more than 4 percent each year for his car while Mann drives free of this tax?

Finally, as past chairman of the American Bar Association’s Section on Taxation, Stef Tucker also knows his taxes. So much so that when he’s not practicing law as a partner with Venable, Baetjer and Howard, he’s teaching tax issues at Georgetown School of Law. So why would he willingly pay a higher real estate tax just to live in the District while Baldassari and Mann pay less for more land in the surrounding suburbs? Read More of » The Bare Facts About Tax—Real Estate, Sales, and Income—in Each Part of the Metro Area

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Human resources departments no longer have to drown in paperwork. New products are streamlining hiring and benefits processing for smaller firms—and saving money.

Thanks to technology, the tedious struggles with paperwork and year-end enrollment are soon to be a thing of the past.

Call it what you wish: e-HR or virtual benefits. But either way, managing human resources through online products has many law firm administrators excited. And it’s changing the way law firms implement and process employee benefits.

With associate salaries skyrocketing and new hires harder than ever to find, the pressures on administrators to manage budgets and recruit, train, and retain employees are greater than ever. And with a job description that includes, well, just about everything, many administrators are finding that the mountain of paperwork requires an inordinate amount of time and energy. Read More of » Human resources departments no longer have to drown in paperwork

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As we all know, some economic experts said that the global crisis has already ended up. Somehow, the cruel effects of the global crisis are still haunting us. Many of us still couldn’t get the “normal” life back. Well, for some sectors, the global crisis really ended up, but some other sectors, the effects were still with them. One of the clearest effects would be; the prices are still so high.
Many global economic experts have learned about the global crisis, and they said that the effects of the global crisis to the financial sectors would be still significant enough. It means, prices are still high, and many business sectors still have no ability and courage to start their business back, and it means, there are still many unemployment. The other indicators of the end of the global crisis, but also the indicator of the remaining effects of it would be; the consuming ability of the people. Read More of » Global Crisis Has Ended, Really?

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Federal Estate Tax

Although the federal estate tax was officially repealed on January 1, it is possible that Congress will act to reinstate the tax in 2010 and make the new law retroactive to January 1. While some have speculated that making the tax retroactive will be unconstitutional, others disagree. And regardless, as the schedule shows the federal estate tax will return on January 1, 2011, and with only a $1,000,000 exemption.

Suffice it say that in these trying economic times, it is clear that the federal estate tax will be resurrected in some form or another as early as 2010 but definitely in 2011. Read More of » Current Federal Estate Tax Laws

APR Credit Cards

Seventy-one percent of credit-card mail features low introductory APRs on purchases, up from 53% in the year-ago period, according to the most recent data from Synovate Mail Monitor, which tracks credit-card mail. And balance transfer offers are on the rise, making up 65% of credit-card mail, compared to 54% earlier this year.

This is a dramatic turnaround from last year when these borrowers — who pay their bills on time and often maintain low-to-zero balances — were shunned by card companies, in part because their responsible borrowing habits meant smaller profits for the lenders. Many saw their credit limits cut and interest rates raised to rates as high as 30%. Read More of » The Return of Zero Percent APR Credit Cards

Influence Your Rich

Understanding how personal traits can influence your finances is an essential ingredient for building wealth. Here are 10 key traits:

1. Patience

Patience is one of the most important traits when it comes to saving money. This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit. Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.

2. Satisfaction

When you are satisfied, there is no reason to spend money on nonessentials. Read More of » Ten Personal Traits That Can Influence Your Rich

Incoming Tax and Banking Search:

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Everybody knows that paying bills online will save time and money, it also gives you peace of mind. But, online bill pay is a relatively unfamiliar things for many people, and then how to have best pay bills online?

Check whether your bank offers a service to pay bills online.
Most banks give customers the option to pay bills online, free, with a standard checking account. But, some banks charge an additional fee to pay bills online. You have to check your bank’s policies on paying bills online. When you use your bank to pay bills online, the bank either submits payment electronically or issues a paper check drafted on your checking account to pay the bill.

The advantage of using online bill-pay directly through your bank is that you have the ability to monitor all transactions in real-time, together with your regular banking services, and know quickly that a payment has cleared.

Think About a third-party service to pay bills online. Read More of » Learn About How to Pay Bills Online

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Absolutely, a 15% discount sounds good, especially if you arrive at the register with an armful of items. But be aware by the initial discount the plastic gets you on items you buy the same day you open the account. The instant savings are rarely worth the risks.

Here are some reasons to stay away from proprietary credit cards you can learn, summarized by CreditCards.com, a leading consumer resource for credit card information.

1. While the biggest benefit is at the beginning of the relationship, when you typically get a typical 10% to 15% discount on same day purchases, most store cards go unused after the initial transaction.

2. Private-label credit cards generally have much higher interest rates, typically in the 20% range, than general purpose cards, which charge an average 13% to 14%.

3.Though they are easier to qualify for than major credit cards, and may tempt consumers who are trying to build credit, a wallet full of store credit cards, in addition to several major cards, can quickly degrade your credit by causing you to have too many open accounts.

4.Purchases with store cards can deplete resources you would have otherwise used on reward-points opportunities from general purpose cards.

5.In event of a purchase dispute, store credit cards do not have an association to act on behalf of the consumer.

Consumers who sign up for store credit cards may also end up on marketing mailing lists or find that their personal information compromised. Large chains such as Wal-Mart routinely sell data to third parties, which in turn try to offer you special promotions or services. Unsolicited offers like these may be an annoyance, especially if you are already flooded with offers you do not want.

The Internal Revenue Service said that there are a large number refund checks could not be delivered. This is because of error in mailing address. It is about 111,893 taxpayers refund checks could not be delivered. The Internal Revenue Service is looking to return $164.6 million in undelivered refund checks. So, If you think you are missing a refund, it is advisable for you to update your address information so that you can get your money quicker

All you need just to update your address once for the IRS send all checks due. Undelivered refund checks average $1,471 this year, compared to $1,148 last year. Some taxpayers are due more than one check.

Because of changes in tax law which is have new credits or expanded existing credits, such as the Earned Income Tax Credit, the average dollar amount for returned refunds rose by just over 28 percent this year. Read More of » Update Your Tax Refund Delivery Status Information

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