Allan Jay Author Page | Financesonline.com

5 Startup Ideas for Your Own Small, Home-Based Business

Vacation times are meant for much-needed recharging and resting. However, productivity should not stop when everything else seems to come to a halt. Why not take the opportunity to add new skills and knowledge to turn productive ideas into fruitful endeavors, like starting and running your own business. This summer, you need not spend big […]

Stop Accrued Debt and Start a Debt-free Life in 5 Easy Steps

Debts pile up when you spend more than your means, and your regular cash inflow (like income) cannot replenish what has been spent, resulting in a deficit in your overall money stash. If this continue (payments more than income), you will have accrued debts in just a short amount of time. While one can subsist, […]

Kitchen Gadgets: 5 Things You Should Know Before Buying Them

Every year, Americans spend millions of dollars in small kitchen electrics. Just last year, spending for kitchen gadgets and gizmos increase to 10 percent from 2011, which was also up by 9 percent from 2010. Despite the state of the US economy which is not conducive for a kitchen splurge, research firm NPD Group attributes […]

The Richest Fictional Characters and their Real-Life Versions in 2024

Every year, Forbes comes up with an annual list of the filthiest richest people on Earth (Forbes Billionaire list), and a few months after that, it gets far more “contributor” responses in the form of (violent) reactions and computation corrections for its Forbes Fictional 15. Sans an accurate wealth valuation, we come up with our […]

Web Standards Project (WaSP): Buzzing for Small Businesses in the Wild Web

In the World Wide Web, the battle for survival and supremacy can be reduced to two basic strategies. First, you want people to find you. Then, you want people to like what they see. Owners of small and medium enterprises (SMEs) know they need to be online to grow. Most small business owners are also […]

How to Make Coffee and Share Fun Coffee Tips Like a Pro

Like a good friend, a good cup of coffee comforts us, makes things feel right and sparks beautiful ideas. Store on fun facts, helpful hints and fascinating frugal clues how to choose the right fit to your coffee tastes from this infographic which spreads information and inspiration perfect for your second cup. Learn how to make […]

Simple and Easy Steps To Take Control of Your Life Savings

How to Commit to a Life Savings Goals: Checking Your Money Views This article is Part 3 of 5 of Your Total Guide to Managing Life Savings: Exposing The Best-Kept Secrets Money problems and issues can be better resolved by informed decision-making, and this can only be done when one is equipped with the […]

Online Freebies That All Small Businesses Should Try

If you’re a small business starting to put up an online presence, fret not of the costs and technical brouhaha. In most instances, you can get a lot of free online business tools . Think of the Internet as the grocery where you can get samplers and coupons that you can collect and enjoy discounts, […]

Mother’s Day – Will Black American Moms Be Celebrating It?

Mothers play a crucial role in ensuring a brighter future for the next generation. But when they start off with a big disadvantage, the future of more engaged relationships between mothers and children in our country is also put at risk. This is true for many Black American mothers as presented in this infographic. Using data […]

What is Fracking? The Answer to Our Energy Problem?

What is fracking? Before we explain, a little background first… Sometime in 2006 an inconspicuous thing happened that could have been as a dramatic junction in human history as when man discovered fire. Global oil production dropped by 375 million of barrels per day. It’s a small drop, but one with a big thud when […]

Bad credit loans: instant decisions, quick solutions

Here’s a quick profile of people of who need instant decisions on bad credit loans. They’re more likely to be a young male, earning more than $1,000 monthly, and in rented accommodation. Many are unmarried with no children. And many have bad credit ratings because of plain irresponsibility or ignorance borne out of laziness. Take […]

Bad credit personal loan lenders: an option for emergencies

Your funds are running dangerously low and you don’t know if you’ll have enough to get you by until the next payday. Worse, you know you can’t rely on your credit cards because they’re all maxed out. Your credit score is rock bottom. You need a loan fast but you don’t know if bad credit […]

I Need a Loan ASAP – 5 Things You Need to Know

Mollie asked me the following question: “I’m looking at getting one of those fast cash loans because I need a loan ASAP to cover my daily cost. Payday is a few days from now and I’m afraid my family is going to get short in food supplies and the rent is up soon. Are these […]

Payday Loans Online No Credit Check Can Be A Huge Help

Jenny wants to know if it’s okay to get payday loans online no credit check: “I’m a mother of two and I have a bad credit because I couldn’t pay up my past debts when I lost my job seven months ago. I’m still coping to pay up my loans (I’m not irresponsible enough to […]

How You Make Coffee a Billion-Dollar Business

Your morning caffeine fix is but a drop in the global bucket that makes coffee one of most traded commodities in the world along with petroleum. But with 100 million Americans like you drinking coffee every day, the bucket easily overflows to make the US the world’s top coffee consumer, according to the International Coffee […]

Oil Production Secrets – From Dead Dinos to Your Car

The business of oil is a game of the giants that cuts across big words like geopolitics and climate change with, often, you at the receiving end. Ever wonder where the gasoline that you pump into your car comes from? Why fuel prices go up? When they do, spare your neighborhood gas station the glaring […]

Wary of Banks? Consider Credit Unions

The bad press banks have been getting in the last few years has encouraged people in the United States to move their money to credit unions. The Financial Times reports that US credit unions have been surging in popularity lately as big banks increased fees for consumers. Global attention during the recession drew attention to […]

How To Save Money At Home: 6 Easy Tips

Charity starts at home. So does saving. Switching off the lights when it’s not in use or using disposable items seems trivial, yet combine them with ten other trivial things and multiply the sum by 365 days, you’ll be surprised at the amount you’re probably wasting. But even before setting off to a year of […]

How to Really Save on Your DIY Project

DIY PROJECTS: ARE YOU SAVING OR JUST KIDDING? This article is Part 1 of 6 of How to DIY: Your Total Guide for DIY Directions that Really Work Have you ever tried your hands on a Do-It-Yourself or DIY project before? If yes, chances are you have some memorable stories that other DIYers can identify with. If not, and […]

How to Get Ahead with your DIY Project

GEARING UP FOR PROJECT DIY: THE FIRST RIGHT MOVES This article is Part 4 of 6 of How to DIY: Your Total Guide for DIY Directions that Really Work You’ve checked your skills if they match your Do-It-Yourself project requirements. The same goes for your budget and backup help. You have already set up your […]

HOW TO DIY: Your Total Guide For DIY Directions That Really Work

The popularity of the Do-It-Yourself (DIY) concept is consistently on the rise not only among the savings-conscious and frugal living advocates but others who find it a great way to explore their creativity, artistic skills and talents. As such, a comprehensive guide that serves as a directional map for beginners and a quick and easy […]

Subprime Mortgage, Primetime Crisis: Lessons from History

Some say the worst is over and it’s on to happy days for the US Economy. We all hope the happy days do come around for this country because its fortunes are inexorably linked to the financial health of the rest of the globe. The financial crisis that started in 2006 led to a recession […]

ATRA offers some relief to taxpayers

Everyone’s keeping track of how their taxes will be affected by the American Taxpayer Relief Act of 2012 (ATRA) enacted to avert the fiscal cliff. Most of the focus, however, has been on payroll tax rates and individual income tax rates. Rightly so, because these are the changes that affect taxpayers monthly. So you know […]

700 Dollar Payday Loan: How To Get Fast Cash In An Emergency?

Erin asked us the following question: “I know that if I take out a 700 dollar payday loan I’m not getting seven hundred bucks. Rather, I’ll be charged with a high interest and other fees. So my question is, how much does it really cost to pay for a 700 dollar payday loan?” – Erin, Chicago, […]

The NRA is lobbying and the gun companies are paying the bills in 2024

The NRA (National Rifle Association) was founded in 1871 by Civil War veterans of the North, back in the days where the most dangerous firearm was a revolver. The organization was founded by William Conant Church and General George Wood Wingate, two men who had genuine goals of teaching Americans about the recently-invented “rifle” (which […]

TV Guide to 5 Series That Showcase Average Americans

For a family struggling with finances and scraping to get by one of the hardest things is to turn on the television and watch all of the glitzy stars of Hollywood parade around in their impossibly expensive clothes going on impossibly expensive vacations. I always prefer watching shows that have to do with average families […]

How to get a personal loan: Factors you should keep in mind

People who need cash now during emergencies turn to personal or online loans for fast approval by a direct lender. Unlike mainstream creditors, personal loans are often easy and quick to secure. Kenneth wants to know how to get a personal loan properly. “My monthly mortgage is due in 11 days and I need cash […]

Where can I get a loan with bad credit? Quick tips on finding a reputable lender

Having money to do with as you please is always a good thing. You can buy whatever you want and not lose sleep about it. Unfortunately for most us, this isn’t really the case. Only a handful of people can afford to live like this. We, on the other hand, have to agonize over every […]

Online loans same day: Safe lending advice to use in an emergency

Lenders today offer online loans same day to attract more borrowers. Unfortunately, a direct lender can game the regulations, leaving borrowers at their mercy. This is Rachel’s concern. “I’ve heard of same-day loans being hawked like a commodity to people who need cash fast. I need a quick access loan, too, so I’m considering this […]

400 Dollar Payday Loan: How To Get It?

Julia asked us the following question: “I’m about to borrow a 400 dollar payday loan. It may seem small, but to me it’s still a loan that I need to use properly. What are the things I should think over before getting this loan?” – Julia You’re spot on. Borrowers should always assess their situation before […]

Education Inequality: How Income Inequality Blurs Education As The Great Equalizer

Education has always been touted as the last bastion of hope for equality, which, when accessed by the youth who are the leaders of the future, will truly serve as the great equalizer. But with income inequality on the rise globally and worsening in America, a so-called achievement gap between rich and poor children is […]

20 PRODUCT TOPS AND “FLOPS” of 2012

The ancient Mayans were not the only ones who miscalculated their doomsday, or Gangnam the only thing grooving to a winning beat this year. In the world of consumer spending, our pockets have collectively decided who would laugh all the way to the bank and who would eat crumbs and grumble the year away. The […]

Any Time is a Good Time to Teach Kids about Money

How soon should we start teaching kids about money? How young is too young? When and where is the right time? This was the hot topic of the day in the playground, of all places, as I and two of my friends watched our pre-schoolers accumulate dirt and grime while thoroughly enjoying themselves. One thing […]

Ten Tight and Tricky Financial Challenges That Will Test African-American Resilience in 2013

With various financial challenges that have historically hounded the average African-American household, coupled with the result of the US fiscal cliff negotiations that set the stage for economic and social changes in 2013, some very important questions loom over the heads of many African-Americans. What does 2013 hold for them? If today’s hard work barely […]

Rediscovering the American Family – 10 Keys to Success for Baby Boomers and Boomerang Kids

More and more young adults are moving back in with their parents, earning the nickname Boomerang Generation in addition to “Generation Y” and “millenials.” The debate on whether this phenomenon is bad for society or a blessing in disguise for the American family is still a hot topic. Many families living in multigenerational households that […]

Fiscal Cliff: Answers to Questions You're Embarrassed to Ask

The person on the street is suddenly bombarded with this huge term, “fiscal cliff”. He throws a lot of simplistic, but valid, questions; so we throw back these simple answers and hope he gets a clearer picture and continues with his quiet life. Why is it a cliff? It’s called a cliff because it is […]

5 Likely Effects of Obama’s 4 More Years on Your Pocket

Obama’s America is firing salvos to cut debt and your personal finance is right in the firing range As the election fever winds down, Americans buckle up for a mad rush to a finish line that is nowhere in sight to tame the trillion-dollar debt. The debate is reduced to a simple question: who will […]

Reply Tips for Parents on Tough Money Questions Children Ask

Kids ask not just the darndest or the funniest questions, but the toughest ones like “are we rich or are we poor?” And then the really hard part, the “why?” Unless you are Warren Buffet, these are kid questions that require a lot of thought answering, as any wrong explanation to your chosen answers may […]

Saving Money by Extending Your Gas Miles: What Experts Recommend

While we cannot stop rising gas prices, we can surely beat it. Two words: Fuel efficiency. We know that no serious driver (and smart saver for that matter) can afford to miss fuel efficiency tips, so we rounded up a variety of them from the top voices in this subject. With this wealth of practical […]

Buying a Car: In with the Old, Out with the New?

Of all the decisions one makes in a lifetime, few can match the emotion associated with the purchase of car. Functionality often has little to do with it. Any reasonably working car will get you from point A to point B. This is, after all, the real reason for buying a car. Or is it? There are […]

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