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Planning on starting a business soon? One of the first decisions you'll need to make is what type of entity your business is going to be. The most common choices are to form the company as an LLC, S-Corporation, C-Corporation, or as a Sole Proprietor.

Each one has advantages and disadvantages, and depending on the type of business you are starting, you could save yourself a significant amount of money by choosing the right one for your needs. Each entity varies, with some of them excelling at simplicity and flexibility, others with certain tax or legal benefits.  Other items of interest, like state filing costs, and protection of personal assets also vary across the different choices.

The chart below outlines some of the differences between an LLC, C-Corp, S-Corp, and a Sole Proprietorship:Read the rest...

The cost of life insurance has dropped in a huge way over the last 20 years. Increased competition, and the power of the web bringing information straight to consumers, among other factors, have driven this dramatic change in costs.Read the rest...

Credit card companies raising rates...

In these tough economic times, the big credit card issuers like Bank of America, HSBC, Chase, Citi, Capital One, and Discover, are all under tremendous pressure to bring in new revenue, and one of the ways they are doing that is to increase interest rates for their existing customers.

If your credit card company chooses to increase your interest rate, they do provide you a period during which you can reject the higher interest rate. If you do choose to opt out, they will probably close the account, but you will be able to repay the remaining balance at the existing interest rate.  You do have to act quickly, as the opt-out period is quite short...Read the rest...

Free money for bills? Looking for information on government grants or other sources of free money? If you found this article by searching Google, you are probably hoping to hear the pitch from a gentleman named Matthew Lesko. He's famous for selling a book titled "Free Money to Pay Your Bills", which claims there are "billions in hidden money" to be found.Read the rest...