The Digerati Life

Steps To Setting Up A Home Based Small Business

Kosmo — Mon, 04 Mar 2013 18:01:15 +0000

The steps we are showcasing here are not just applicable for an online business but for any small business. What’s the difference between a hobby and a business? The difference is that losses from a business can be deducted on your taxes (schedule C) whereas losses from a hobby cannot. The IRS presumes that an […]

Paying For Life Insurance: How Policies Are Priced

Silicon Valley Blogger — Fri, 07 Dec 2012 03:35:13 +0000

We compare low cost life insurance vs commission based policies vs those you can buy through fee only insurance agents. Every financial plan should have a risk management or insurance component. Yes, we all know the importance of life and disability insurance, and health and long-term care. And, annuities, despite their criticism, also have a […]

Use A Debt Consolidation Calculator To Help You Find A Better Loan

Silicon Valley Blogger — Fri, 30 Nov 2012 22:25:50 +0000

I use a debt consolidation calculator to illustrate how much you can save with the right kind of personal loan. Today, I’ll cover some ideas on how to become debt free faster. If you’re someone with a strong credit rating but with credit card debt and various loans to your name, you may be able […]

How One Homeless Person Lives: Coping With Homelessness

Silicon Valley Blogger — Tue, 27 Nov 2012 05:50:15 +0000

I’ve discussed how to avoid foreclosure and how to avoid bankruptcy in the past, but in some cases, things don’t work out too well, and there are people who end up becoming casualties of the real estate bust, credit crisis and weak job market. Lots of people have been forced into homelessness due to a […]

How To Eat Healthy & Inexpensively

Silicon Valley Blogger — Mon, 19 Nov 2012 21:13:59 +0000

Everyone wants to eat healthy these days. Your health is priceless! Many claim, however, that it’s impossible to eat healthy on a limited food budget. But I would beg to differ; cheap meal ideas abound, and there are lots of ways to prepare your food inexpensively. You also don’t always need a stack of grocery […]

Best Places To Live In The U.S. For Long-Term Homeowners

Guest Blogger — Sun, 11 Nov 2012 04:32:34 +0000

This guest post was written by Henry Truc from Go Banking Rates, a website that publishes informative personal finance content and helpful tools, as well as the best interest rates on financial services nationwide. Finding the best cities, towns or other locations in the U.S. can be a bit difficult these days. First, the problem […]

5 Benefits of Working For Yourself (Online Business)

Silicon Valley Blogger — Mon, 05 Nov 2012 03:43:02 +0000

I was actually one of those folks who was perfectly suited for the 9 to 5 and worked for many employers over the span of 17 years so imagine my surprise when I found myself turn into an accidental entrepreneur. I never really thought about working for myself until several years ago, when my hobby […]

Passive Investing vs Active Investing: Strategies For The Stock Investor

Todd Smith — Mon, 29 Oct 2012 21:00:16 +0000

For experienced and first time investors alike, the plethora of investment vehicles and options can be overwhelming. It seems that on a nearly daily basis, some new innovation with unlimited promise and appeal sprouts through the already crowded investment landscape. Like many things, however, it behooves us to keep our investment styles simple. Believe it […]

How To Escape An Upside Down Car Loan

Silicon Valley Blogger — Tue, 23 Oct 2012 06:56:59 +0000

Do you really know how much it costs to own your car? Is your car loan upside down or underwater? Here are some thoughts on the subject. I often wonder what it’s like to drive those fancy new cars. You know, the ones with the flashy paint and the equally flashy price tag. But, I […]