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Trusted Answers From Licensed Business Professionals
BUDGETING

Are You Considering a Prepaid Cellphone Plan?

By The BIDaWIZ Team on June 8th, 2012 at 3:00 pm

Prepaid cellphone plans are gaining momentum with some major carriers like Sprint expected to release a package with the iPhone by the end of the month. Still, should you be exploring prepaid cellphone plans? Read More.

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INVESTING, TAX PLANNING

Teachers Need To Be Wary Over Their 403(b) Retirement Plans

By The BIDaWIZ Team on June 7th, 2012 at 6:00 pm

We've all heard of 401(k) plans offered by employers to help their employees plan for retirement. Rarely, do we hear about 403(b) plans which are commonly offered to public school employees and 501(c) organizations (i.e. hospital workers, church associations, and local government groups). Teachers need to be very cautious in relying solely on those plans for retirement. .
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INVESTING, TAX PLANNING

Why You Need Both a 401(K) And a Roth IRA

By The BIDaWIZ Team on June 7th, 2012 at 2:00 pm

For some, building a retirement plan is equivalent to allocating a portion of ones paycheck toward their 401(k). While contributing to a 401(k) plan is a step in the right direction, it by no means secures a path to a fruitful retirement. What else should you be doing to prepare for retirement? .
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BUDGETING

2012 Back To School Money Saving Tips

By The BIDaWIZ Team on June 5th, 2012 at 3:00 pm

In a couple of months, students will be scrambling for new pens, paper, erasers and other school supplies. You can be the parent that waits until the last minute or you can save time and money by planning ahead for the back to school season. .
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BUDGETING

What Can I Do To Save On My Air Conditioning Costs?

By The BIDaWIZ Team on June 1st, 2012 at 5:00 pm

The summer is upon us and so are the highest usage a/c days. It's always difficult to maintain a low electric bill during this period, but some new programs and tricks may help you keep your bill low. .
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MORTGAGES

Why Are Mortgage Rates Still Falling & Should You Refinance?

By The BIDaWIZ Team on May 31st, 2012 at 4:00 pm

Mortgage rates continue to fall with the 30 year term loan dipping to 3.50% and the 15 year near 2.75%. This continued decline likely has many homeowners on the edge of their seats ready to refinance or apply for a mortgage now. But, it is important to understand what are the causes for the falling interest rates and if you are the right candidate for refinancing. Read More.

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INSURANCE

Should Soon To Be Retirees Buy Longevity Insurance?

By The BIDaWIZ Team on May 31st, 2012 at 10:00 am

The financial planning most baby boomers did 5 to 10 years ago no longer makes sense today since the average 65 year old can expect to live to almost 85 vs. a life expectancy of 78.5 in 2007 (CDC Aug '10). And, for those that aren't at retirement yet, you're not off the hook. The 65 year old plus population is expected to grow from 40M today to 71M or 20% of the population in 2030 (US Census Bureau June '09). Given the uncertainty in the markets and the increasing life expectancy, how can seniors better protect their retirement funds? There may be one product that could be helpful but it does come with risks. .
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CREDIT CARDS, MORTGAGES

Do You Need A Cosigner For A Loan?

By The BIDaWIZ Team on May 30th, 2012 at 7:00 pm

Many students and potential homeowners are unable to obtain a loan on their own because they lack a strong credit history. Now more than ever, lenders are risk averse when it comes to issuing loans to new debtors. Is there a way around this common problem? .
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PERSONAL FINANCE

New Technologies Offer Solutions to the No Cell Phone Service Problem

By The BIDaWIZ Team on May 25th, 2012 at 1:00 pm

We’ve all experienced losing cell and internet service when entering a “dead spot.” Up until recently, there was never a solution other than using another person’s phone that hopefully is supported by a carrier that has service in the area. However, new technologies have been developed that appear to solve this very common problem. Read More.

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INSURANCE

Should Parents Add Their Adult Children To Their Health Care Plan?

By The BIDaWIZ Team on May 24th, 2012 at 11:00 pm

Adult children under the age of 27, who don’t have their own health insurance, can stay on their parents plan even after college. But, is this the cheapest option for families? Read More.

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