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The Difference Between Saving and Investing: An Important Distinction for Kids to Learn

You can save or you can invest. It is a distinction that many adults struggle with as a concept. How then can kids understand the difference, and why is it so important? Most kids who are introduced to the concepts of money tend to be conservative. They like to hoard as much of their money as they can and save up for things. That is a great phase that can be utilized by parents, caregivers and teachers to teach the value and the responsibility of money. Unfortunately, most kids do not get any instruction past those initial lessons. Many experts … Continue reading →

Cloud Based Accounting Software For Your Home Based Business

      Whether you already own your own business or you are in the planning stage, accounting is something that may be on your mind. Keeping track of the money that flows into and out of your home – based business is important for many reasons, not the least of which is making sure that you (and your bills) get paid. Choosing an accounting system or method does not have to be painful. In fact, small and home – based businesses now have more options than ever for meeting their accounting needs. Some people prefer to keep traditional records … Continue reading →

Basic Information About Medicaid in New York

Every state has its own Medicaid program. The information that is easily accessible on the Medicaid website for a given state can vary. Some give all the vital information, and others withhold it. New York does a good job of giving basic information about their state’s Medicaid program. Medicaid is a public, or government run, form of health insurance. It is designed to provide health insurance coverage for individuals and families who are low income and who cannot afford to purchase a health plan from a private insurance company. Medicaid is partially funded by the federal government. It is also … Continue reading →

It’s Easy to Apply for Medicaid in Washington

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Every state has a Medicaid program. It isn’t always easy to find out if you, or your family, are eligible for it. Some states make it extremely difficult to find that information. The state of Washington, however, makes it really easy for people to apply for Medicaid. Medicaid is a public, or government run, form of health insurance. It is designed to provide affordable health insurance coverage to people who are low-income and who cannot afford to buy health insurance from a private company. Medicaid gets some funding from the federal government and some funding from the state. In Washington, … Continue reading →

Watch Out for New Fees

If you aren’t careful, you may be hit with fees on everything from banking to pizza. Businesses are now charging fees for things that they once gave away for free. In many cases, these fees are hidden, and you might not be aware of that you are paying for them. Delivery Fees Did you happen to notice that your pizza now costs an extra bit to have it delivered. I’m not talking about the tip. Major chains are adding on a delivery fee now. One of our local (non-chain) pizza places is doing so, but in a different way. They … Continue reading →

Examining a Potential Health Insurance Plan

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I have once again begun the quest to find affordable health insurance. This time, I am seeking a health plan that will cover only me. My husband has Medicare Part A, and will have Part B soon. We have no children. I am taking a close look a policy that appears to be one I can afford. Earlier this week, I used HealthCare.gov to try and find an affordable health insurance plan. You can use that website to narrow down a whole bunch of health insurance plans, in order to find one that you can, (hopefully), afford. To be honest, … Continue reading →

Things That Could Affect Your Credit Score

Keeping your credit score in good shape is as easy as carrying as little debt as you can and paying your bills on time, right? While most of the time those two simple rules – simple to understand but not always simple to execute – will keep your score at its best, there are some things that you may not be aware of that could be making your credit score lower than it could be. There are things that most people know will affect their credit score such as applying for loans and credit cards, but there are other things … Continue reading →

Children And Money

When your teenager gets a job it’s a huge step for them towards being an adult. When Hailey was younger I didn’t really teach her about money management because we didn’t have any left over for her to manage. I tried to set a good example. As a single mother many times I lived hand to mouth but I let her know the importance of paying your bills first, taking care of anything that is a true need, saving some for a rainy day, and then, if there is anything left, getting something you want. When Hailey got her first … Continue reading →

Tips For Applying For A Mortgage

Getting a mortgage is a very big deal. It is probably one of the most major financial decisions that you will ever make, if not the most major. The process can be nerve wracking and time consuming, but there are a few things that you can do to make it a little easier on yourself. The following tips are for you to use before and during the process of applying for a mortgage. If you think that you can just go out and apply for a mortgage and get it, you may be incorrect. Applying for and securing a good … Continue reading →