Is Your Home Sinking You Financially?

Is Your Home Sinking You Financially?

by | Mar 19, 2012 | Archives

Join us TONIGHT for our seminar….


Is Your Home Sinking You Financially?
Panera Bread, Route 1, North Attleboro MA
Monday, March 19th, 2012
7:00 pm to 8:00 pm

Local Industry Experts will be on hand to discuss options so that you can afford to stay in your home given the state of today’s economy. Find out why foreclosure is not the only option. Stay in your home. Lower mortgage payments may be possible.

Bring your questions to Panera and let’s have a discussion. And while you’ll there, try out some of the tasty catering treats we will have on hand.

Presented by Jeffrey Schweitzer of Northeast Financial Strategies Inc., Amy Abrams of Century 21 O’Neil Associates, Brian Schwartz of Omega Mortgage and Andrew Cornell of Liberty Mutual Insurance.



Cash back cards – Avoid credit card debt and contribute to Roth IRA

Cash back cards – Avoid credit card debt and contribute to Roth IRA

by | Mar 14, 2012 | Archives

Credit cards are fan easy way to make purchases and also get rewards. Many a times in order to get rewards such as cash back which are the most common, you tend to overuse your credit cards. At such times you are likely to mount up a high amount of credit card debt. In order to come out of such situations, you need to consider some credit card debt negotiation tips. Although when talking about credit card rewards the most common ones that come to your mind are cash back, airline miles and so on, however, there are some cards available in the market which enables you to earn rewards that you can use for investments including account of Roth IRA. There are specific cards available that offer you Roth IRA accounts. Some distinct advantages offered by these cards are:

  • These cards are affiliated to specific brokerage firms and as a result of this they try hard to maintain a good record by providing top class customer service. This is because there is more on the line than just your credit card account.
  • The percentage of rewards you will receive will be typically higher than the 1% available with standard credit cards.
  • This way of increasing contributions to your Roth IRA account is “pain free”.

However, if you don’t want to take on these cards there are alternate ways in which you can bolster your Roth IRA contribution. Instead of using some specific cards you can use any cash back credit cards to earn money and then deposit this amount to your Roth IRA account. You can maximize your earnings on credit cards in the following ways.

  1. Use a number of credit cards – There are a number of cash back credit cards which gives you up to 5% return on certain types of spending but 1% or less on the other types. These are usually the best ones. In order to maximize such cash backs you can use different credit cards to purchase the categories the give a higher cash back offer.
  2. Use credit card for work related expenses- There are options in which you can work out arrangements with your employer in order to get reimbursed for your work related expenses when you are using your own credit card instead of the company credit card. You have to submit the credit card statements or the receipts to your employer for reimbursement. This is beneficial for you as you get to keep the cash back on the particular spending.

Thus, if you’re interested in assembling money that you can save in the Roth IRA account, you can certainly use the cash back credit cards in the ways mentioned above. However, don’t misuse them or overuse them as accumulated credit card debt can ruin your financial future.

This is a guest post by Christina Jones, a financial content writer associated with Oak View Law Group. She has also been contributing to many personal finance blogs as a guest columnist since long.

Daylight Savings Time in the United States

Daylight Savings Time in the United States

by | Mar 10, 2012 | Archives

Daylight saving time in the United States was first observed in 1918. Most areas of the United States currently observe daylight saving time, with the exceptions being the states of Arizona and Hawaii along with Puerto Rico, American Samoa, Guam, Northern Mariana Islands, and the United States Virgin Islands.

From 1987 to 2006, daylight saving time in the United States began on the first Sunday of April and ended on the last Sunday of October. The time was adjusted at 2:00 AM (0200) local time (as it still is done now).

Since 2007, daylight saving time starts on the second Sunday of March and ends on the first Sunday of November, with all time changes taking place at 2:00 AM (0200) local time. In 2011, daylight saving time began on March 13 and ended on November 6; in 2012, it will begin on March 11 and end on November 4; in 2013, it will begin on March 10 and end on November.

From Wikipedia, the free encyclopedia