PERSONAL FINANCE

Financial Well-Being of Individuals

Memberships and Subscriptions

leave a comment »

Most everybody has seen the advertisements for Amazon Prime; how it will save you so much money.

WRONG!

Very few subscriptions and/or memberships have any value.

Waste of money.

You can get the same value for free.

Only catch, you have to do some work.

Lazy and/or stupid buy memberships and subscriptions.

 

 

The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

July 12, 2016 at 9:48 pm

Retirement Dream

leave a comment »

More like nightmare.

The dreaded terror of not enough money.

Retirement income is small.

Bills are bigger.

Prices keep going up.

Income stays flat.

What are you going to do?

Sit around, and whine and cry?

 

 

The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

June 25, 2016 at 5:54 pm

Get Out of Money Market Funds

leave a comment »

Do it now.

They are not insured by the Federal Deposit Insurance Corporation(federal government).

Many of these funds are implementing restrictions on withdrawals.

Also, withdrawals are slow compared to bank deposits.

Their interest rates are hardly better than bank deposits or certificates of deposit; if they are.

And if interest rates decline, the funds lose money, close or start charging you for your deposits/investment.

 

 

The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

April 30, 2016 at 7:52 pm

Computer Upgrades

leave a comment »

Hardware and software.

Or machine and programs.

Everyone keeps pushing upgrade, upgrade, upgrade.

Buy a new computer every four years.

Gets the latest upgrade to all your programs or newest version.

All nonsense.

You do not need to have the latest anything.

Ten year old computers are still highly productive/usable.

Software usually does not need to be upgraded.

Manufacturers and so-called computer professionals keep pushing upgrades to get your money.

Manufacturers do upgrades to cover their mistakes in design and manufacture; and then want you to pay for it.

Professionals would have little to do if you did not upgrade and your computer remained stable.

Start upgrading software and stability goes away; especially on older computers.

Answer:  buy a new computer and/or new software.

Software companies(especially microsoft) stop supporting older versions of programs.

Companies refuse to make programs backward compatible(have older versions of programs work with newer versions of other programs).

Websites give error messages if you are not using a supported version of a program.

A big scam to get your money.

 

 

The facts no one wants to read.

If the facts make you made, it could be the truth hurts.

Written by solutions777

March 7, 2016 at 1:46 am

Government Is Coming For Your Money

leave a comment »

Government is broke/bankrupt.

Federal, state and local.

Makes no difference.

Politicians keep increasing spending levels.

No end in sight.

So, government needs more and more money.

To get it; they will increase/add taxes, fines, penalties.

On YOU!

You have few choices:

—  Fight back

—  Live on government welfare

—  Be homeless and eat out of garbage cans

Up to you.

 

 

The facts no one wants to read.

If the facts make you mad, it could be the truth hurts.

Written by solutions777

February 16, 2016 at 10:56 pm

Prices on a Tear

leave a comment »

A study this year by the Senior Citizens League found that Social Security benefits have lost about 22% of their buying power since 2000, despite several COLA benefit increases.

According to the study, from January 2000 to January 2015…

—  Heating oil is up 159%

—  Medicare Part B premiums are up 131%

—  A pound of ground chuck is up 130%

—  The cost of a landline phone is up 52%

—  The price of a stamp is up 48%

The prices for your home insurance and real estate taxes have also more than doubled, at 161% and 127%.

Other costs are going up. Since last September’s measure, medical care has climbed 2.4%, housing costs are 3.2% higher, and food prices are up 1.6%.

Your income has not increased nearly as much.

What are you going to do?

Ask your boss for a bigger raise or cost of living increase?

Fat chance.

Is the government going to take care of you?

In your dreams.

Government is the cause of rocketing prices.

Do not blame business or the rich.

Doing so is a knee-jerk reaction.

Better do something.

 

 

The facts no one wants to read.

Comments and referrals to this blog would be greatly appreciated.

Written by solutions777

January 8, 2016 at 6:50 pm

Higher Taxes and IRS Targeting for The Middle Class

leave a comment »

The government needs more money to support lowquals and freeloaders.

High-income earners and the corporate sector means fighting high power tax lawyers.

Who else has any money?

The middle class.

Hello higher taxes and more penalties/fines.

The government continues to ignore the huge underground economy.

Billions of dollars of untaxed income.

Not in so-called offshore tax havens.

Right here in the good old USA.

 

 

The facts no one wants to read.

Comments and referrals to this blog would be greatly appreciated.

Written by solutions777

December 30, 2015 at 8:17 pm

Follow

Get every new post delivered to your Inbox.

Join 56 other followers