Personal Finance and Investing

Being a tightwad is not easy, but well worth the effort. If you are REALLY committed to learning how to save money, then the one most important skill you should master is knowing how much things NORMALLY Cost.

Here is an example:

Butter is on sale; buy one get one free (BOGO) $1.69. That would be 84.5 cents per pound. Well, when you KNOW that butter is normally 79 cents a pound, then you would know it’s not a good deal. T

Read more…

The American Recovery and Reinvestment Act passed in February 2009 included a provision granting an $8,000 tax credit to first time homebuyers. The tax credit program ends on November 30, 2009 and there is a push on to extend it into 2010.

The Homebuyer Tax Credit Act of 2009 has been introduced in the House of Representatives. This is the bill that proposes extending the tax credit. One of the co-sponsors of the bill is Congressman Denny Rehberg of Montana.

Congressman Rehberg was quoted as saying, “While there are a great number of things we can do to spur economic recovery, few can match the impact of a strong housing market. T

Read more…

Someone who takes medication knows that the price of prescription medicine  is getting bigger in this state. For a bunch of us, medications help us live a more prolific, happier life, but only if we can afford to purchase them. Here are some ideas that could help you shell out a smaller amount.

Prescriptions help many patients.

1. Talk to your doctor of medicine. Not being able to afford drugs is nothing to be uncomfortable about. Your medical doctor wants to be knowledgeable about all that affects your healthcare, as well as whether or not you can pay for your prescriptions. I

Read more…

Good news for savers this week. National Savings and Investments (NS&I) shocked other banks and building societies by launching a market beating savings product.

NS&I had a good 2008. First, the collapse of Northern Rock sent savers running for the safety of an HM Treasury guaranteed account. Then, in October 2008, Lehman Brothers collapsed and panicking savers pushed £10bn more into NS&I’s coffers. But in the last six months, customers have been deserting NS&I due to its pitiful interest rates. Now that is about to change once more.

A market-topping one-year bond

That’s because the bank’s new one-year fixed-rate growth bond has shot straight to the top of the best-buy tables with a rate of 3.95%AER.

Read more…