What do you think of MLM businesses? I have been approached by an IBO. As much as I'd like to do it, I am still ambivalent. In addition, it's hard to do in-depth business research on the net. The stories might be true or not. I want hard reliable evidence so that I can be sure that the business would be good for me. ~ Lorena Many of us have...

When I was a boy one local department store had a jingle that featured the repeated chorus of "low overhead, low overhead". They claimed to offer lower prices because they kept their 'overhead' down. If they spent less on rent and other fixed expenses they could make a reasonable profit at a lower price. I was too young to remember which store...

It's that time of year again when the temperatures rise and shade is a wonderful relief. What can you do to reduce those cooling bills? Experts say that the main source of heat build-up in your home is sunlight being absorbed through the roof and walls. A secondary source is appliances generating heat inside your home. We'll begin by investigating...

Much as we'd like to, we can't marry just part of someone. We marry all of them. That includes their good and bad points. Also their assets and liabilities. Amber has great credit and she's worked hard to keep it that way. The man she is about to marry is not good at paying bills on time and his credit has suffered. Will his previous debts affect...

The average family will spend about $3,000 on food and lodging for a two-week vacation. Transportation makes the total even higher. Is there a way to cut those costs a little without spoiling the trip? Sure! In fact, some money-saving ideas will actually help you have a more enjoyable trip. Some of your best opportunities to save happen before you...

Sometimes it's helpful to take a concept out of it's original environment and see how it fits someplace else. Today we're going to examine an economic theory and see how it might apply to our personal lives. The Economist website defines 'opportunity cost' as "The true cost of something is what you give up to get it. This includes not only the...

"My husband and I currently have $11,500 in a savings account in a credit union earning 1% interest with no minimum balance restrictions. Our income was unsteady so we liked the flexibility of this account. We have stable income now and are looking at the money market account program. The bank thinks we should switch as it would earn us 1.25% with...