Monthly Archives: February 2015

My savings rate is pitiful. What can I do??

My savings rate is pitiful.  What can I do?? Yes, I know.  Ever since the 2008 – 2009 market correction, savers like us have been taking it hard on the chin.  The average savings rate at a traditional bank is

Why not follow always the talking heads or “professional” authors advice??

I was reading an article the this morning, A financial planner recommends 7 ways to make your money easier to manage, on Business Insider.  Sometimes, they have some good advice or at least, some good entertaining articles.  I’ll breakdown my

IncomeMark.com Forums now live!!!

Hey all, I’ve received a few contact e-mails on adding a forums to the site.  First off, I appreciate all visitors checking out the side, reading my posts and requesting the ability to add forums to the site.  As requested,

There’s gold in your home… You’re just not looking for it!!!

Do you know how to get some extra income without doing much?  Ever hear of a site called eBay?  Well, I did an experiment over the past six weeks.  I looked around my home to saw a slew of things

Investment advisors… Are they worth it??

Many people ask me are investment advisors worth what they charge.  Well, that depends.   I never used one after I learned how much they charged for their advice.  Most of their advice, if you ask me, is not worth a

Tax time… Should I do it myself or should I hire a tax pro??

Well, here it is…  Everyone’s favorite time of year (if you work in the U.S. Department of Treasury).  Many people pay $$$ for a tax pro, such as a CPA or Enrolled Agent to file their taxes.  Well, studies show

How to control and optimize your budget

Ideas on how to optimize your budget

Irrational exuberance – personal edition

I find myself seeing a flashback of good times in wall street and some in main street.  Market is continuing to hit new highs, and people are seeing a small increase in their wages (approx. 2%).  The Obama administration is

The cash envelope method. What is it?

The cash envelope method.  What is it? The cash method is a great way in setting up a budget and getting out of debt.  It’s also a great way in continuing to stay on a budget to ensure your expenses

Best ways to manage discretionary debt/spending.

What are some tips on how to handle discretionary debt and spending habits? Well.  There is a bit more to it than stop spending and living in a budget.  What are the reasons as to why you or your significant