So long Starbucks, and good riddance!

Who would have thought you could have made so much money selling coffee? Well, the overpriced coffee fad had to die down eventually (just like everything else in this world) and your contingency plans were horrible (you can thank your upper management for that). I mean, did you think that you were going to keep this “nutty” thing going on until the end of times?

Seriously? You had a good (no, great) run, you saturated the market for the longest time and now your customers are answering the questions that you should have brought up in your board room meeting — “Why am I paying $4 for coffee that I can make at home?” or “What’s wrong with McDonald’s coffee? It’s cheaper and taste better!” Sound familiar? Yea, probably not! Read the full article

Once you have decided to apply for a mortgage, you need to be able to work out how much you can afford to pay.

You can do this by performing a mortgage payment calculation. There are certain considerations when you calculate mortgage payment levels that will suit you and that you need to keep in mind: How much mortgage can I afford? What type of mortgage should I get? What kind of loan payment schedule suits me best?As always, it is best to start at the beginning. How much mortgage can I afford: answering this question is easy - but you must be honest with yourself! Look at your earnings, savings and your expenses. How will these be affected by a mortgage? Some expenses like rent will disappear when you are a homeowner, but a mortgage will bring other expenses (you might have removal costs and you’ll almost certainly have legal costs). An online financial calculator will allow you to work out exactly how much you can afford to commit to in a mortgage.

Now, you must decide what kind of mortgage is best suited to your needs. There are various types of mortgages, but don’t let this put you off - the choice makes it easier to find a mortgage that suits you best. Read the full article

Everyone knows that car insurance is way too expensive!

However, it’s also one of the most essential parts of modern life. In most of our states, car insurance is mandatory, and if you don’t have it you won’t be able to register your car and you can also lose your license while you’re at it. Problem is, there are too many options when it comes to insurance, and those options vary from state to state! For example: Texas insurance is totally different than New York insurance, and Pennsylvania insurance vastly differs from Florida insurance (I think Florida’s the worst, but could be wrong). So how does one find the best deal when shopping for insurance? Don’t worry, I’m here to help!

Are you paying too much for your auto insurance? If you believe that you are, then the following suggestions may help you wash off some of the grief and frustration that usually comes with the territory (and you’ll be saving some cash while you’re doing it): Read the full article

From the mouths of the lazy, comes this little zinger: The Man will hold you down!

I used to believe this myth myself, because that’s all I ever heard growing up, but it’s simply not true (in fact, those idiots are dead wrong). Today I’m laying it all out on the table: this world is set up to reward people who work hard and provide a lot of value to others, and if you continue to believe in the stupid myth that “the rich get richer while the poor get poorer” you’re simply ignoring the people who regularly come from nothing, but eventually become very successful (because they worked harder than most, and used their talents in an intelligent way) as well as the people who were raised with a silver spoon in their mouths and continue to throw it all away (think Nick Hogan). Read the full article