Save Money on Student Loans by Attending Community College

Many students do not realize how fast student loans can build up. Four years of college can add up fast, but how can you get a great education without getting knee deep in college loans? Why not try community college.

Community colleges have some great benefits. They offer the same basic classes at the same great education level but for affordable prices. Many students who qualify for government grants can actually go home with money when attending community college!
Another great aspect of community college is that it is close to home. You can live at home and not have to pay rent or find an affordable living place that is not as pricy as university accommodations.

Another way community college can help you get your education completed faster and cheaper is with summer classes. Many community colleges offer summer classes that are fast and easy to get through. If you want to save a few bucks and get some credits while you are on break from the four year college take a summer class or two to save yourself some money and get ahead. After all, the faster you graduate the less money you’ll have to (Read More….)

One Hundred Forty-Five Dollars For A Loaf Of Bread?

Authored By Dave Webb

I was first introduced to the Decline and Fall of America’s Empire in 1966. I was an Airman 2nd Class in South Korea. Unlike a lot of my fellow airmen, I learned a little bit about the people and their language. I actually had an on going teaching experience in a local Catholic High School at night, where I taught American English to high school kids. I am not Catholic. But I kept a very good friendship with a Korean Priest for many years.

Korea has been conquered. Not once, not twice, but many times over the years. It is strategically located between Russia, China, and Japan. On a chess board of the Orient, Korea would be the four squares in the middle of the board.

Korea has been an international war zone for at least 400 years that I know about. They had their own high civilization about 400 years ago. It was similar to others. Scholars were sent all over the world. An alphabet unlike any one else’s alphabet was produced. It allowed for a phonetic alphabet that (Read More….)

Pre-Approved Credit: What Does it Mean and How Does it Work?

If you’re in the market for a new house, an auto loan or a credit card, you may be excited to find a pre-approved offer in your mailbox. These offers aren’t delivered to anyone. And with your offer in-hand, you might head online to automotive websites like and browse the selection of vehicles. But before you get excited, it’s important that you understand exactly how a pre-approved offer works.

True, these offers are only given to people with a good credit score. Understand, however, that pre-approved offers are just the first step in qualifying for a loan. Being pre-approved means that your credit has passed the preliminary stage of the approval process, but it doesn’t guarantee a loan. Although your credit score meets the lender’s requirements, the lender has to evaluate other factors, such as your income and present debts.

During the preliminary stage, the lender does not review your complete credit history. Only after you complete (Read More….)

The Most Lucrative Fields of Law

Not all lawyers are created equal, nor are all fields of law created equal. Undoubtedly, some areas of law are more appealing and lucrative than others, for various reasons. Some fields of law are just beginning to flourish in the legal realm, making them attractive to new lawyers as the “law of the future.” Other areas of law offer higher salaries, more flexibility, or better locations.

Future Law

A few of the newest areas of law are increasingly appealing to new law graduates or less experienced lawyers. Job openings are more readily available than currently popular areas of law and there is an expected high rate of growth in the coming years. Environmental law is one of the fastest growing fields of law, running parallel with a growing national conscience about how humanity interacts with the natural world. Increasing public and political awareness about such topics as renewable energy, greenhouse gasses/pollution, carbon assets and green technology has created an explosive growth of new legal opportunities in this sector. The salaries are good as well – Environmental lawyers (Read More….)

4 Qualities Every Tax Preparer Must Have

By Scott Humphrey

Tax season is fast approaching as is the dreaded task of finding a qualified tax preparer that has the expertise to handle all of your financial needs. Let’s face it, taxes are a hassle and finding a professional to take care of them proves far more beneficial than attempting to file them on your own. If you are a certified public accountant, enrolled agent, or a soon-to-be tax accounting professional, it is important to attain the 5 following skills to be successful in your career and to acquire regular clients.


First and foremost, it is important for the preparer to be on top of the latest tax law changes. As Americans are on the verge of the fiscal cliff—holding their breath for what is to come, tax preparers must be fully aware of the changes that will likely affect their clients.

Certified public accountants typically focus their services (

All Credit Cards Not Created Equal: Perks and Pitfalls

Banks and other lending institutions are beginning to loosen credit requirements as the worst of the recession appears to be subsiding. Credit card offers are now showing up in mailboxes with the same frequency they did prior to 2008, complete with promises of rewards and lowered rates. Whether your credit score is near perfect or swimming in the abyss, consumers need to exercise due diligence before signing the dotted line. No credit card offer can be taken at face value and these tips will help you decipher the facts from the falsehoods.

Interest Rates

According to the Federal Open Market Committee, the Federal Reserve has voted to hold interest rates at historically low levels. This rate, however, doesn’t determine what consumer banks and credit unions ultimately charge for interest on credit cards (it (Read More….)

Im Looking to Sell Silver Flatware, Where Do I Go?

Silver flatware was, for many years, a staple item on wedding gift wish lists. Times have changed, and everyone is more interested in efficiency and ease of care when it comes to flatware. Inheriting a beautiful set of silver flatware may seem appealing, until you factor in the time and effort to keep it polished and free of tarnish so that it’s ready to bring out for the holidays or special dinners.

You may want to consider selling your silver flatware to release the stored up value. Precious metals such as gold and silver have been used for thousands of years to hold value, enabling owners to raise money as they need it. Silver buyers are not yet as plentiful as gold buyers, but the industry is definitely growing. With the price of silver rising, now might be the time to unlock some of the value in silver flatware you no longer use. Look for pieces with damage, or out-of-style silver flatware sets, and pieces that make an incomplete set.

Assess Your Flatware

A large amount of potential exists for those selling their silver flatware, but it does not come without risks. The first (Read More….)

How To Build Back Up Your Credit Score

The problem of improving a bad credit score can seem like a catch-22: to apply for new credit and be approved, you must have a good credit history, but in order to get a good credit history, you must have credit.

What number is considered a good credit score rating? On a scale that usually goes from 300 to 850, the short answer is anything above 720

Credit card companies and banks have tightened the requirements to give out credit, so building up a good credit score is becoming quite a challenge. The lower your credit score, the fewer options you have for getting approved. For a consumer who has no credit at all, or for one that has bad credit, they are much worse off. As tough as it sounds, it doesn’t mean that it’s impossible to build up your credit score.

Secured Credit Cards

If you have tried getting a credit card but were declined, try applying for a secured credit card. With a secured credit card, the consumer makes a deposit, for example $100 – $500, which will be their credit (Read More….)