35 percent of Americans have a debt in collections according to a new study by The Urban Institute. This means people have not made payments on things like credit card debt, medical bills or even a parking ticket. This is a serious problem that shows how much financial distress Americans are under. Now there may…
It’s Pride season and the summer of love is in full swing. You’ve met that special guy or gal. There’s even the possibility of moving in together. That’s amazing and exciting! However, don’t be too quick about shacking up when starting a new relationship. It could do more damage than good if you don’t first…
This is a question I am asked all the time. Will I ever get a penny from Social Security? Most people have come to the conclusion that they won’t get anything. Everyone has heard about Social Security running out of money in the about 20 years. However, I would like to go on record to…
I cannot speak for the entire senior LGBT community, but many of the males therein on occasion enjoy a peek at a naughty Web site or two. Once viewed, however, it becomes impossible to escape endless enticements depicting an appalling array of sexual toys, equipment, scandalous outfits, DVDs and “personal services.” This unending invasion of…
The Department of Veteran Affairs (VA) has been in the news quite a bit lately, and not in a good way. However, this exposure brings to mind many great things about the VA and how they support our veterans. There is one benefit in particular that I am aware of that is not being utilized…
All working adults should have an emergency fund. It is that important! In fact, I believe it is the very first thing to get in place once out of school and working full-time. An emergency fund is cash set aside in a savings account for those unexpected expenses and life events that inevitably occur. An…
There is a report called Making Ends Meet that has been in the news the past few months. This research, put together by the Center on Policy Initiatives, calculated the average income needed to cover basic living expenses in San Diego for different types of families. For instance, a single person needs to make $27,655…
Many people want to know how they compare to others financially. Do they have as much saved up as other people their age? Are they ahead or behind everyone else? It is just one of those human traits we have. There is an interesting Web site that provides a comparison to the average net worth…
dvd of the week While I laud Disney for going back to basics with Frozen, for hiring Broadway stars to voice musical roles rather than stunt-casting them with super famous names, and I laud Disney for continuing their mission to give us stories about almost-feminist princesses who need their mothers or sisters more than they…
Cell phone service is turning into a big monthly expense. People are using their smartphones for more things like watching movies, using thousands of apps and playing video games. Data usage is on the rise and so are cell phone bills. A monthly cell phone bill of $100 or more is pretty common. Luckily, I…
