July 29, 2019 Joseph Hernandez

Taking on the role of a parent means that you have to look at your own behavior, be honest with yourself and consider whether it is the best thing for your children. The act of driving is not exempt from this. There are many reasons why you should drive responsibly when raising a family. Here are some of the most important ones: Being a Positive Role Model When you raise a family, it is important to be a positive role model for your children. Every time you think of doing something, think of the example that you are setting for…

July 28, 2019 Joseph Hernandez

How familiar are you with how insurance policies work? Most people at least have a loose idea. You pay money into a fund. If something happens that concerns your insurance policy, you get money from that company. That’s how it works ideally. That’s how the concept of insurance is supposed to make you feel. Unfortunately, because insurance agencies are not out to help you, but rather to make money, there is often a contradiction in effort once it’s time to actually make a claim. Think of a few ways that you may have to fight for your rights against the…

July 19, 2019 Joseph Hernandez

Hotels have been using dynamic pricing for, well, forever. That’s why you can check-in right next to someone else who has either paid twice or half as much as you — and sometimes, the gap is even bigger. So, how do you make sure that you’re taking advantage of dynamic pricing vs. being taken advantage by it? It’s simple. Just follow these 7 hacks to dramatically lower your hotel bill: Contact the hotel directly. Hotels pay a fee to booking sites like Expedia, Travelocity, and so on. Contact a desired hotel directly and ask if they’ll beat the online price….

July 19, 2019 Joseph Hernandez

Blooming flowers and changes in the weather can bring a lot of anticipated joys. They may also bring seasonal allergies, though. Here are six ways to resist allergy season and feel your best even when the great outdoors seems to be conspiring against you. 1. Keep Allergens Outside It may be tempting to open your windows and let the fresh air in, but air is not all you get. Pollen and other allergens are likely to enter your home with it, leaving you vulnerable to an allergy attack. Open your shades to let in the light, but keep the windows…

July 17, 2019 Joseph Hernandez

Living a minimalistic existence can reduce stress and provide a more organized living space for many.  You don’t pay out as much when you don’t need much, either. Decluttering is a positive financial decision.   Oftentimes people find themselves feeling overwhelmed or anxious at the thought of a thorough declutter, but the effort will make a great difference in your quality of life.  Here are a few ways to begin decluttering your life by minimizing the clutter around your home.  Allow yourself a reasonable amount of time If you’re tackling a particularly cluttered home, it’s important that you don’t try to…

July 13, 2019 Joseph Hernandez

On a practical level, have you ever wondered if surgery is worth it? It might depend on the context to a degree, but many people make snap decisions about surgery without thinking through some of the practical applications of various financial elements. Sometimes surgery is very emotional, but even in those cases, you don’t want to swap out good emotions now for bad feelings later when you find out that the money involved ended up not being worth it. There are a few different categories you should think about as your brainstorming your options about surgery. First of all, is…

July 8, 2019 Joseph Hernandez

If you’re one of the many millions of Americans in debt over your head, you’re not alone.  More than a third of Americans find themselves with unmanageable bills. This can leave you feeling like you don’t know where to begin in order to fix it.  The good news is, it’s possible to get out from under debt if you know the right strategies. Here are some of the most effective and expert-approved tactics to pay off your debt.  Lower Your Bills In order to be able to pay your debt as quickly as possible, you’ll need to pay off as…

July 4, 2019 Joseph Hernandez

Everybody tries to spend money wisely is much as possible. Unfortunately, lots of people have lots of bad habits when it comes to their finances. If you don’t learn good money habits early in life, you tend not to pick them up later unless some circumstance suggests that there are a better way to do things. Well, if you’re looking for a few perfect tips to spend money more intelligently, you can get some thrown at you right now. Do three things, and you’ll immediately see benefits in your economic circumstances. Whenever possible, rent to own different items or services….

June 16, 2019 Joseph Hernandez

Financially speaking, accidents can have awful and long-ranging consequences. In many cases, it doesn’t even really matter who was at fault. An action occurred, a result occurred, and economic damage is the result. Depending on all of the details in the context, you may or may not be liable for some of these damages, and you may or may not be eligible for compensation depending on who the responsible party is. No matter what though, you want to avoid the negative possibilities so that your standard of living does not change because of an accident. There are lots of different…

June 6, 2019 Joseph Hernandez

Court cases aren’t just about legal matters. They aren’t just about morals, ethics, laws, and regulations. They are also about money. You can view this as either a positive or negative thing, but you can’t deny the reality of the situation. Every time you have to go to court, there is some financial aspect at play. Because of this, you should do your homework and figure out what your expenses are probably going to be if you end up in court, and potentially where your compensation range may end up. Think of court cases financially from a few different perspectives….