If your smartphone phone plan is gobbling down too much of your household budget, then I have some great ideas for how to lower your cell phone bill without it significantly hurting your lifestyle. The major cell phone providers are AT&T, Verizon, Sprint and T-Mobile, and some of the second tier players include Virgin Mobile, Metro PCS, … [Read more...]
Below are Steps 3 & 4 for welcoming you to Financial Dojo. If you haven't completed Steps 1 and 2, I urge you to do so by clicking here. Now, for Step 3 you should watch the short video below that describes the purpose our 6 wealth belts and what they mean. And then in Step 4, you'll be able to choose your Financial Dojo Wealth Belt and begin … [Read more...]
The purpose of this entrance is to get you going toward regaining control of your personal finances and building wealth as quickly as possible. To accomplish this, you should complete the following four steps: 1) Watch the welcome video, 2) Claim your free wealth-building gifts, 3) Watch the Wealth Belts overview video, and 4) Choose your wealth … [Read more...]
If you want to know how to interact with difficult debt collectors, this information is for you. In this article, you'll learn what powers debt collectors have, what to say to them on the phone, and how to negotiate with them. After reading this information, you'll discover that debt collectors are more like paper tigers than fire breathing … [Read more...]
When it comes to the credit card vs debit card debate, you might think that they're kind of the same thing give or take a few minor tweaks. But, in fact, they are very different. And each can play a different and important role in your finances and the decisions you make about spending money. After reading this article, you should have a clear … [Read more...]
While auto insurance is required to operate a motor vehicle on streets and highways, that doesn't mean you have to pay a lot for it. Below, you'll discover nine ways to save money on auto insurance and put a smile on your face. 1. Always ask about discounts - All auto insurance companies offer a menu of discounts. They'll grant some of them to … [Read more...]
If you're looking for an under-the-radar investment that has a history of great returns, then consider REITs. In this article, you'll learn why and how to invest in REITs. Specifically, you'll get the scoop on the three types, how they work, investment options, and how you make money. After gaining a basic understanding of them, you'll have … [Read more...]
Many years ago when I was establishing a credit history and not paying very close attention to my credit file, I accumulated as many as 12 credit cards. A nice chunk of them were department store and retail cards that I came by as a result of taking advantage of (or falling for) instant 10%-15% discounts on purchases while checking out at the cash … [Read more...]
If your energy bill is going through the roof, this article will give you ten useful tips for how to save money on electricity at home. To ensure that you reduce your energy consumption by as much as possible, try to implement as many of them as you can. 1. Take advantage of off-peak hours pricing - In many cities, the power company has specific … [Read more...]
Without a doubt, the most well-known retirement plan is the 401k. It has been around since 1978. Believe it or not, it was originally intended as a way for banks to provide an additional retirement benefit to their employees. What they specifically wanted was a way to match a part of the contributions that employees put into their 401k … [Read more...]
If you're currently being harassed by arrogant and obnoxious debt collectors, then you need to keep reading so that you can protect yourself and avoid becoming a victim. In this article, you'll learn how to fight debt collectors and win. You'll get the scoop on how they operate, the law that governs them, how they find you, how to get them to … [Read more...]
You've probably heard of the Roth IRA, but did you know that there is such a thing as a Roth 401k? Many people make the mistake of thinking that the Roth 401k is an alternative to the Roth IRA. Not so, but they are cousins. The more relevant comparison would be the Roth 401k vs Traditional 401k. In this article, you'll learn about what the Roth … [Read more...]
If it seems like your car is chugging down gasoline faster than Shaq can drink a bottle of Gatorade, then these tips are for you. You'll find that most of these nine ways to save money on gas for your car, truck, and other vehicles are fairly easy to implement. Doing just a few of these things should result in a fuller gas tank and wallet. 1. Get … [Read more...]
If you think that you're paying too much for car insurance, it could be that you're not asking the right questions. You see, many car insurance companies offer a number of discounts that aren't well advertised. After all, if the insurance underwriter can get your business without having to give up much of anything, why would they reveal them? So … [Read more...]
If you're confused about the rules and tax treatment for making withdrawals from your Roth IRA, below are answers to some of the most frequently asked questions. Of course, you really should try to avoid touching your Roth IRA. There are incredible benefits to be had for just letting it grow. But if you must dip into it for any reason, these common … [Read more...]
Disclaimer: The entire contents of this personal finance and wealth building web site represent the thoughts, ideas, and opinions of Michael Holland, unless otherwise stated. You may also come across articles, videos, reports, and other content provided by (or associated with) various authors. In all of these cases, the opinions of each respective author is there's alone, and they shall retain copyright of the material as marked. There are also links that might earn us a commission. Nevertheless, the information on this web site is in no way intended to replace a one-on-one relationship or consultation with a qualified or certified financial or investment professional. Our intent is not to give you financial advice because every individual's financial situation is unique. The intent is to share knowledge and information based on the experience and research of Michael Holland and his community. Michael encourages you to make your own financial decisions based upon your research and in partnership with a qualified financial or investment professional. |