Bill Davies
Smart Investments: 4 Warning Signs That a Company Will Fail
Using your money wisely for investments means doing a little digging online. One of my favorite tools is the annual Form 10-K. I always check for four warning signs that say a business is doomed to crash and burn. They’ve never failed me.1. Ongoing Losses and Cash Flow ProblemsEvery corporation needs good cash flow to […]
How To Protect Your Finances Against Inflation
Benjamin Franklin once said, “In this world nothing can be said to be certain, except death and taxes.” He was pretty close, but he forgot one other fact of life: inflation. No matter what country a person lives in or what type of currency it uses, inflation is something that’s impossible to ignore.What Is Inflation?In […]
Paying Your Bills On Time Shouldn’t Be Complicated
Paying your bills on time is one of the best ways to avoid debt. Without having to worry about late fees and missed payments, you spend less money overall and get more bang for your buck. You also enjoy a better credit score, which is amazing because you can qualify for low-interest loans if you […]
3 Stock Market Myths That Are Holding You Back
If you’re like many people, you look at the stock market as a mysterious and complexundertaking. You know that people earn money on investments, maybe even people like your friends or your family, but to you, it all seems like a foreign language. You may also be put off by the high-risk nature, especially if […]
Is Moving to the Country Really Cheaper?
It’s the classic dilemma: City life or country life, which is better? While there are merits to both, for many people, the final decision ultimately boils down to cost.It’s a common belief that living in the country is far cheaper than living in the city, but people who make this generalization really only take into […]
The Only 4 Knives You Need in the Kitchen
Believe it or not, you don’t need those huge blocks packed with who-knows-how-many different knives. Professional chefs rely on four knives to get the job done, and that’s all you need:1. Chef’s KnifeThis is going to be your workhorse. A chef’s knife is your go-to for any kind of meal. It handlesfood prep quickly and […]
Why Benefits Packages Are Just as Important as Salary
One of the most important lessons I’ve learned after so many decades in business is that finding a job that makes you happy is everything. That $80,000 a year salary won’t seem so special if you feel exhausted every night, barely get to see your kids or have to come in to work when you’re […]
“No-Spend Days”; and How To Be Successful
Discretionary spending is not often a luxury many retirees experience, but if you plan yourfinances well, then you should have at least an occasional allowance. However, since retirement usually means you have a fixed income, it is crucial to keep to a budget so that you do not limit your ability to have some financial […]
3 Easy Ways to Prep Year-Round for Tax Season
It seems like we just finished tax season, and yet it’s right around the corner again. Though it’s never been my favorite time of year, I’ve learned some techniques that have helped me prepare well in advance for the big day. If tax season comes around and you find yourself scrambling to prepare, it may […]
How Marriage – and Divorce – Can Affect Your Debt
Marriage is all about making the love two people share official. It means you and your spouse are going to create a big, happy life together, complete with grandkids, family dinners, lots oflaughter, and all the other wonderful things that make life worth living.Because of the many benefits marriage offers, lots of folks tend to […]