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Articles posted in March 2008

Marrying Money, Part 2
March 31, 2008 by Rachel
In Marrying Money, Part 1, I presented 7 ways for couples to be more effective in their money management.  All of those ideas deal with things that can be addressed before money is combined.  After the ceremony, though, there is still plenty of work to be done.  In fact, much of learning to manage money within a marriage is "on the job" training.  Before the honeymoon ends, these tips will help you make the transition from single to married without too ...
Marrying Money, Part 1
March 27, 2008 by Rachel
It's wedding season.  As nuptials draw near, lots of time and attention has been paid to the weddings and all the details that accompany such a significant event.  But what about money?  Have the brides and grooms-to-be spent time learning how to manage their money as partners? If so, the marriage stands a better chance of making it.  If not, these tips will help all couples (newlywed or not) manage money more effectively together.  Understand your own ideas and ...
6 Strategies for Avoiding An IRS Audit
March 25, 2008 by Rachel
Each year, at least $300 million owed to the IRS goes uncollected.  In order to reduce the gap between the taxes that are owed and the money the government actually sees, the IRS conducts audits (or examinations).  Proportionally, the number of individual tax returns audited each year is not that high.  Thanks to reputation (and some TV shows), however, the idea of an IRS audit seems paralyzing.   No one knows for sure how returns are targeted for auditing.  Consequently, there ...
Keeping “Zombie” Debt D.E.A.D
March 20, 2008 by Rachel
The spread of "zombie debt" means that millions of dollars of debt long forgotten may come back to haunt the people that owed it in the first place.  A distant relative of much hated debt collectors, 3rd party collectors buy bad debts for very low prices.  Whatever money is collected yields a large profit margin with little, if any overhead.  Like any collection process, there is a danger of collectors going too far and using questionable, if not overtly ...
MMT Is Now Online Revenue Archive
March 19, 2008 by Admin
We are excited to say that mymoneythinks.com and orarchive.com have joined forces and will now be better than ever. We will be introducing a lot of new, exciting elements in the near future. Stay tuned for more ...
Identity Theft Where You Least Expect It
March 17, 2008 by Rachel
It's no suprise that identity theft is a growing problem that causes billions of dollars of financial losses each year.  By now, most of us are aware of "phishing" schemes and credit card "skimmers" and the common methods used by identity thieves.  Unfortunately, identity thieves are working faster than most consumers, financial industries and retailers.  Consequently, personal information is being stolen from places that wouldn't seem to have much to offer.  Would you think to protect information here? medical ...
Instead of Foreclosure
March 13, 2008 by Rachel
There are many reasons why record numbers of homeowners are facing foreclosure.  Some got caught up in mortgages that didn't match their incomes; others got behind when interest rates adjusted upward; still others didn't know options other than foreclosure were possible when cash ran short.  Coupled with the other economic problems (high gas prices, increasing food costs, possible recession) facing the nation, losing a home can be devastating.  If you have already or think you might fall behind on ...
Will This Be Separate Checks?
March 10, 2008 by Rachel
If you are getting a tax refund, you need to do everything possible to use it wisely.  Believe it or not, how you receive the refund may be a key to where and when it will, ultimately, be spent.  One of the best ways to keep more of your refund is to "split the check".   It's not the only option, though.  Before you sign, seal and send your completed tax return, investigate all the options available for receiving your ...
10 Ways To Improve YOUR Economy
March 6, 2008 by Rachel
Unless you rush out to spend your tax rebate check as soon as it arrives, there isn't much you can do to help the U.S. economy.  We just have to hope that, eventually, the government efforts will work.  Until they do, we'll be stuck "waiting it out". While we are waiting, there may be hope for improving our personal economies.  Regardless of what happens to the nation's economy, here are 10 things you can do to improve yours now! ...
Do I Have To File A Tax Return?
March 3, 2008 by Rachel
If you find yourself asking this question, you are not alone.  In strictly technical terms, U.S. income tax is "voluntary".  That does not, however, mean that it's NOT mandatory!  It allows taxpayers some flexibility in structuring their finances to limit tax liability.  Make no mistake, though.  Having options about how much tax you owe doesn't in any way mean that you have the option about whether or not to file.  Everyone should file a return every year.  Paying ...