I want to support rebuilding the nation's economy. Therefore, I am lowering my bookkeeping hourly rates from $50/hour to $40/hour, until further notice. - Manuel
I want to support rebuilding the nation's economy. Therefore, I am lowering my bookkeeping hourly rates from $50/hour to $40/hour, until further notice. - Manuel
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Stock Portfolio Summary: Apple, AT&T, and Exxon Mobil

Stock Portfolio Summary: Apple, AT&T, and Exxon Mobil

As of 09/09/2020, I purchased $6,868.45 worth of stock with virtual/fake money in Apple, AT&T, and Exxon Mobil. As of 10/19/2020, approximately...

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Should You Cancel Your Credit Card After You Pay it Off?

Should You Cancel Your Credit Card After You Pay it Off?

You have finally paid off that credit card. It is just sitting there with no balance on it, and you regret ever owning it. It has a high interest rate and no rewards program, and you do not want to use it again. Should you close it? This is an interesting debate that often comes up in personal finance circles. There are benefits and drawbacks no matter which you choose, and there is no absolute best answer in all cases. So let’s dig in. Keeping the Card If you decide to keep the credit card, there are a few things...

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Ways to Earn More Credit Card Points

Ways to Earn More Credit Card Points

  By taking advantage of your regular expenditures, it's easy to increase the points and miles you get back from your credit cards. Before you know it, you'll be on your way to that next great award redemption, whether it's a free flight or a free meal. But first, a word of warning: Credit cards play a big role in maintaining a healthy credit profile and score. Be sure you are aware of the impact that getting a new card can have, especially when you are planning for a mortgage. So here are surefire ways to earn more credit card...

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5 Financial Tips for Single Moms

5 Financial Tips for Single Moms

As a single parent, managing your finances is important since you do not have anyone to rely on financially but yourself. Want to know how you can better manage your money? Here are five ways: Live frugally and simply. You may easily be able to afford a more expensive home and/or car, however, it is always best to not max out on your expenses. This will help you save more effectively and budget for emergencies.  Invest in yourself first. Max out your tax-advantaged retirement accounts (401k and Roth IRA) each year (did you know you can shelter up to $56,000...

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Finance Industry Update: Is California Really in an Economic “Free Fall”?

Finance Industry Update: Is California Really in an Economic “Free Fall”?

Unfortunately, yes. California is among the states hardest hit economically by the coronavirus pandemic, and its economy is in free fall—until further notice. Its strengths—as a hub for commerce, tourism, and education in the Pacific Rim—have become accountabilities during the pandemic. California was the first state to order a lockdown to counter the coronavirus and has avoided the high infection and death rates suffered in the Northeast. But the devastating financial costs of the lockdown are mounting every day. The state currently has an estimated unemployment rate above 20 percent—far higher than the 14.7 percent national rate  as similar to...

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