Halina Zakowicz
I am employed in the biotechnology field. I am also an affiliate marketer, freelance writer, and SEO/SMO specialist. I am building a Web site and blog called Your Money and Debt, which provides readers with financial advice and money-making tips.
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- Page Views
- 692,285
- Content
- 499
- Fans
- 83
- Contributor since
- 1/14/2007
Education/Experience
Western Illinois University, B.S., Microbiology, George Washington University, Ph.D., geneticsInterests
Running, traveling, photography, scientific research, beer brewing, work-at-home businesses.Motto
Once insanity is reached, brilliance cannot be far behind.
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How My Blog Earns Me an Extra $250/MonthStarting a blog can be a great way to start generating extra cash. Here is how my own blog makes me $250 each month.
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How I Use Online Sites to Find Discounts, Deals and Free StuffYou don't have to pay full price for anything! By simply looking through the following sites, you can save money on your online purchases, find incredible deals and even score free items.
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First Person: Scavenging Saves Me Over $2,000 a YearOne's trash truly can be someone else's treasure. There are many websites and resources today that allow you to acquire new or almost new items for very little money (or even free!).
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First Person: I Made $4,500+ by Participating in Research and Clinical TrialsParticipating in research and clinical trials may seem scary, but for those who are willing to undergo them, the pay is quite good. The N.I.H., Covance and local universities are all good sources of lucrative research and clinical trials.
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First Person: 5 Ways I’m Saving Money at the Gas PumpGas prices are rising, which means taking new approaches to cutting costs at the pump. Here are five ways in which I am saving money on gas.
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First Person: I Replaced My Cable TV Subscription for $16 a MonthCable and satellite TV costs are going through the roof, but I refuse to succumb to high-priced TV. Instead, I've combined some inexpensive devices and a movie subscription to beat the cable/satellite TV companies at their own game.
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First Person: I Walked Away From My $60,000 a Year JobSometimes, personal fulfillment trumps just bringing home a paycheck. After taking my personal finances into account, I decided to walk away from a job that I'd been at for over 5 years and at which I earned nearly $60,000 per year.
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First Person: I Retired at Age 36Believe it or not, I retired at age 36. My retirement has allowed me to better enjoy life and do what I've always wanted to do: be a full-time writer.Also published on:
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How I'm Successfully Treating My Migraines by Avoiding Hidden Sources of MSGMSG is well-known to trigger migraines; however, there are many hidden sources of MSG that the public is unaware of. By finding out what names MSG goes by, I've taken steps to effectively reduce my migraines.
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First Person: Preparing Financially to Start My Own BusinessStarting your own business is tough, both emotionally and financially. Here is my 7-step plan for taking charge of your work and finances so that money troubles do not weigh you down once you leave your "real" job.
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First Person: I'm Saving Up to 100% on My Groceries By 'Supercouponing'By combining coupons with store sales and rebates, I effectively save 30% or more on my groceries. In some cases, I get my groceries for free or even make money by using coupons.
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First Person: Why I Love My Health Savings AccountThe Health Savings Account, or HSA, allows one to put aside pre-tax money for medical costs. This makes the HSA a good idea for self-employed individuals and small business owners who must spend out-of-pocket money for medical expenses.Also published on:
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First Person: Bouncing Back From Dual LayoffsIn 2001, both my husband and I found ourselves broke and unemployed. Here is how we bounced back from this very dire situation.
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First Person: How I Became a Peer-to-Peer LenderP2P lending is a great alternative to bank-only lending, providing lower interest rates and a higher probability of securing a personal loan. P2P lending also gives individuals the chance to earn a good interest rate on their money by becoming borrowers.
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First Person: Long Distance Candy Doesn't SellSeveral years ago, I started a candy-making business that failed. Here is what I learned from it.
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The Tempest in Madison, Wisconsin: A Restaurant ReviewTempest makes it big when it comes to seafood. Though pricey, the new Madison restaurant is worth it. -
Planning My First Ever Spa Vacation on a BudgetSpa vacations can be costly, but I have found a way to save over 50% on my upcoming spa vacation. I accomplished this by taking advantage of seasonal rates and rewards points.
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Finding a Scientific Career Outside of AcademiaTraditionally, Ph.D. level scientists become college and university professors after completing a postdoctoral appointment. For many scientists, however, this option is no longer possible.
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Do Roommates Need Two Separate Renter's Insurance Policies?If you decide to purchase a joint renter's insurance policy with your roommate, be aware of its pitfalls. In some cases, it is better to have separate renter's insurance policies.
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Tips for Insuring Your Beach Vacation HomeYour beach vacation home is your home away from home. Make sure it's covered for flooding and hurricanes by insuring it.
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ATV Insurance BasicsMost ATV owners do not think about obtaining ATV insurance. However, ATV insurance protects you from financial and legal liability in case your ATV is involved in an accident or causes property damage.
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Will a Speeding Ticket Affect My Car Insurance Rate?Even one speeding ticket can raise your car insurance rate. Fortunately, there are ways to get around this issue, such as taking a driver safety course.
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Tips for Filing Auto Insurance Claims AccuratelyAuto insurance claims need to be filed if you are involved in a vehicle accident or some other automotive incident. Here are some tips on how you can successfully file your claim to receive your settlement.
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How to Compare Homeowner's Insurance Rate QuotesHomeowners insurance rate quotes can be tedious and confusing. Here are a few tips on comparing home insurance rate quotes and deciding which one is the best for you.
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Does Homeowner's Insurance Cover Hurricane Damage?Most homeowner insurance policies do not cover hurricane damage. Even if you live in an area that is infrequently flooded, it pays to check your insurance policy and consider adding flood insurance.
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How Your Credit Report Affects Your Insurance RateBelieve it or not, your credit score affects how much you pay for insurance. This is because your credit score is used to calculate your insurance risk by most insurance companies.
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First Person: Buying Gold Online the Safe WayWhen buying gold online, you may easily be scammed. Take the following five steps to better educate yourself about the gold dealer and avoid losing your investment.
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Do You Need Pet Injury Coverage with Your Car Insurance?Pet injury coverage is a new benefit offered by many insurance companies. In some cases, this benefit may even be free. If you frequently travel with your pet, you may wish to consider pet injury coverage.
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Should You Purchase Insurance From the Rental Car Company?There are many factors to consider when deciding whether or not to purchase car insurance from your rental car company. This is true even if you already have your own car insurance.
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Most Important Documents to Keep in Your Glove BoxThere are documents that should always be kept in your glove box, including vehicle registration papers, maps and insurance cards. Not having certain documents in your car's glove box can result in a fine or even the suspension of your driver's license.
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First Person: Why I'm Not Walking Away from My Underwater MortgageI technically have an underwater mortgage but I've decided to continue making the payments. Here are my reasons why.
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Your Basic Guide to Jet Ski InsuranceJet ski insurance may seem like an unnecessary cost; however, it does more than cover the damages to your jet ski. You can also avoid getting sued for property damages and medical costs by having jet ski insurance.
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Do I Need Insurance for an RV in Storage?An RV that is in storage still needs to be insured. While some home or renter's insurance providers do insure RVs, this is not a guarantee. Dedicated RV insurance providers may be the best bet for obtaining RV storage insurance.
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Insurance Tips for Driving Rental or Borrowed CarsIt is important to have insurance when you are driving a rental or borrowed car. However, you may already be insured and not even realize it. Don't end up paying twice for the same coverage.
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Common Insurance Discounts for Good DriversYou can save money on your car insurance by getting a good driver discount. Here are some ways in which you can obtain this insurance discount.
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Do You Need to Switch Car Insurance Companies If You Move?Switching car insurance companies may or may not be necessary if you move. Here are some key points about switching car insurance carriers if you move.
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5 Safe Driving Tips that Could Lower Your InsuranceThere are several ways in which you can lower your insurance premium by following these safe driver tips. Some items are as simple as just taking a class.
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Does the Color of My Car Affect Insurance Rates?Does a red car color have anything to do with a higher insurance rate? Is a black car harder to insure because it is believed to be frequently stolen? Amazingly, no.
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Top 10 Start-Up Business Ideas for 2011There are many start-up businesses that require little investment capital. In most cases, the only investment that you will need to make is your time, while getting the word out about your new business. -
How to Start a Contracting BusinessA contracting business is a great way to start making additional income. Here are some steps on how to get started with a contracting business. -
How to Purchase Car Insurance for a Delivery DriverAdditional car insurance is usually required for delivery drivers. Here are some tips on how to obtain this additional insurance coverage and reduce your insurance costs.
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Guide to Filing a Car Insurance ClaimIf you have a car accident, you need to know what steps to take to file a claim. There are certain steps you need to take immediately, as well as some incorrect steps to avoid.
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What is the Best CRM Software for a Small Business?CRM is an integral part of a small business. Here are several points to keep in mind when selecting CRM software for a small business. -
Honoring Father's Day on Less Than $50Father's Day can certainly be celebrated in a cost-effective manner. However, how can you celebrate Father's Day if your father has passed away? Surprisingly, there are many ways in which you can honor your Dad's memory without spending lots of money.
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Car Insurance Tips for TravelersDo not assume that the car insurance of your home country will be honored by other countries. Certain countries require that you purchase their own car insurance. Talk with your insurance agent if you will be requiring additional car insurance.
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Tips for Insuring a New Pick-Up TruckA new pick-up truck can come with a surprisingly high insurance premium. Here are some tips on how you can lower your new pick-up truck premium. In some cases, a little insurance plan rearrangement is sufficient.
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The Difference Between Term and Permanent Life InsuranceTerm and permanent life insurance have different costs, length of coverage and cash value. Depending on your lifestyle and financial situation, you may wish to purchase one or the other.
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First Person: 4 Types of Small Business Retirement PlansSmall businesses have a variety of retirement plans from which to choose. Some of these retirement plans are intended for the business owner only while others include employees. Vesting and contribution limits vary based on the plan type.
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Why You Need Boat Liability InsuranceMost boat owners do not purchase liability insurance for their boats. This may lead to excessive financial costs in the event of a boating accident. However, there are many affordable liability insurance policies on the market for boaters.
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5 Hot Water Heater Problems That You Can Fix EasilyNot all hot water heater problems require the purchase of a new water heater. Some problems can be fixed quite easily by you using a few basic tools and water heater parts. Here are the 5 most common hot water heater problems and their solutions.
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How Chicago Roofing Contractors Can Advertise with AT&T Real Yellow PagesAT&T Real Yellow Pages offers roofing contractors many opportunities for online and print advertising.
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My Bogus For-Profit Bartending DegreeAfter spending $350 on my for-profit "degree" from the Bartending Academy, I made a grand total of $0 as a bartender.
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The 5 Basic Steps to Forming an LLCAn LLC is not difficult to form but does require some forethought. Here are the 5 basic steps of LLC formation. -
Investing Your Money Vs. Going to CollegeIs investing your money or going to college a better long-term investment? I argue with going to college.
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7 Accessories that Make the iPad Even BetterThe iPad enables Web surfing, e-mailing, movie watching, and a wide range of other activities. It can also run almost all of the 350,000 iPod Touch and iPhone Apps. The following 7 accessories make the iPad even better.
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A medical view of wrist dislocations in sportsWrist dislocations can range from mild to serious and should be examined by a physician to avoid permanent damage and disfiguration.Also published on:
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Did I Make a Mistake by Getting a Ph.D.?Attaining an advanced degree is great- except when it limits your future employment prospects. In 2004, I earned a Ph.D. in genetics and then learned about its limitations first-hand.
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First Person: Getting By (and Saving Money) Without a CarHow I am beating the high cost of gasoline by finding alternate modes of transportation.
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Wrist sprains in sports: A medical viewWrist sprains can be common for football players, gymnasts, ice skaters, and dancers. Strengthening exercises may help prevent wrist sprains.Also published on:
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First Person: My $250,000 PhDI estimate that I lost the opportunity to earn about $245,000 by earning a PhD. Would I do this degree again if given the chance? Yes.
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First Person: How We Paid Off $9,000+ in Student Loans While Still in SchoolPaying off a student loan is never easy, but is even less so while you're still in school. However, through careful budgeting and taking side jobs, it is possible to not only pay off a school loan, but to pay it off early.Also published on:
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How I Saved Almost $250 on an HP Laptop Computer from StaplesOn Black Friday, I saved almost $250 on an HP laptop- without having to stand in line all night at the Staples store.
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How to Make Money Through Binary OptionsA binary option is a way to make money by predicting whether a given stock or asset will go up or down in price. This option is much easier to understand than the traditional option- and far less risky.
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4 Ways that You Can Fund Your LLCA limited liability corporation, or LLC, can be funded a number of different ways, including private capital, bank loans and angel investors. The more methods that you attempt, the more likely it is that you'll get funded. -
Your Guide to Procuring Venture Capital FundsObtaining venture capital funds is not impossible, but it does require some knowledge about what venture capitalists are looking for. Here are five requirements that you need to satisfy before you can obtain venture capital funds. -
Hip strains in sports: A medical viewHip strains occur when a hip muscle is pulled or otherwise stressed to the point of tearing. One can avoid such injury by warming up prior to physical activity.
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Hip fractures in sports: A medical viewHip fractures are a serious sport-related injury and require immediate medical attention. Surgery is often the only solution for the athlete who has suffered a hip fracture.
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Chest muscle injuries in sports: A medical viewChest muscle injuries often result from sudden or extreme force applied to the chest muscles. While sometimes unavoidable, such injuries should be immediately treated.
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The Hoover Turbo Cyclonic Upright Vacuum: Product ReviewThe Hoover Turbo Cyclonic had so much suction that I bought two of these vacuums. -
10 Things to Consider Before Buying a Dividend Paying StockDividends are a great way to ensure that you have a constant source of income. However, not all dividend paying companies are alike. Here are 10 things to examine before investing in a dividend paying stock.
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4 Ways That You Can Pay Off a Mortgage EarlyPaying off a mortgage early can seem impossible, but there are ways you can sneak in extra payments that reduce your loan time and interest. Mortgage prepayments can even be integrated into your current mortgage payments.
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First Person: The Pros and Cons of Paying Off a Mortgage EarlyPaying off your mortgage early may sound appealing, but is it a smart financial decision? Here are the pros and cons of paying off your mortgage early.
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Is Dave Duerson's Suicide a Result of Brain Disease?On February 17, 2011, Dave Duerson, former Chicago Bears safety, committed suicide and left behind a note asking that his brain be donated to the NFL's brain bank. Did Duerson suffer from chronic traumatic encephalopathy?
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Unexpected Aspects of Hospice Care: Fulfilling Goals and Lifelong DreamsHospices are often thought of as places where people go to die. However, hospices can also be places of newly found hope, happiness, accomplishment, and even adventure.
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Back strains/pulled back muscles in sports: A medical viewBack strains, or pulled back muscles, are a common sports-related injury. The following article describes the condition, how to treat it, and how to prevent it.
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7 Reasons Why an ETF Beats a Mutual FundThe ETF, or exchange traded fund, has recently become quite popular with investors. Here are 7 reasons why an ETF beats the traditional mutual fund. -
Dislocated shoulder in sports: A medical viewA dislocated shoulder can be a very painful condition, and an injury from which full recovery is difficult. However, physical therapy and respite from sports activity can help significantly with recovery from a dislocated shoulder.
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Elbow tendon injuries in sports: A medical viewTennis elbow can be a painful condition that affects more than tennis players. The following article describes the condition, who is at risk of developing it, and how to treat it.
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Personal Selling: The Key to Small Business SuccessPersonal selling is selling that occurs person-to-person rather than to a generic audience. Salespeople must be employed, and their cost accounted for by either product price or volume. -
How to Sell Your Small Business Products OnlineSelling products online can be more cost-effective than operating a physical store. Here are five easy steps to selling your small business products online. -
The Mistakes I Made When Buying My HomeThe following are some of the lessons I learned while making my first home purchase. In essence, it pays to do your research, work with your realtor, and be firm with the home seller.
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First Person: To Buy (or Not to Buy) a HouseBuying a house may seem like the best thing to do following college graduation. However, owning a house is a long-term commitment and is NOT cheap. Consider whether you are in a stable work situation and intend to stay in the same area for several years.
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Runner's knee: A medical viewDespite its name, runner's knee can strike anyone who flexes his or her knees during exercise. Fortunately, this condition is easily treated with rest, strengthening exercises, and proper footware.
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How I Survived an IRS Tax AuditAbout 10 years ago, I was audited by the IRS for back taxes. However, I was able to reduce what I owed, and I even worked out a deal with the IRS.
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Injuries and rehab for concussions in sports: A medical viewA concussion is a brain injury from which one may or may not recover. A concussion often requires rest and treatment and should not be viewed lightly.
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First Person: Options for Student Loan ForgivenessStudent loans can take decades to pay off; however, student loan forgiveness programs can reduce or even eliminate your student loan debt up to 100%.
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First Person: Bad Weather in Madison, Wis.Madison is about to be hit by 20+ inches of snow. This bad weather makes my work commute nearly impossible. Fortunately, my company has found a solution to closing down.
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5 New (Rumored) Features on the Upcoming Apple iPhone 5The iPhone 5 is due to be released in summer 2011. Here are five features that the next generation iPhone 5 is rumored to contain.
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Drew Brees: Playing with an MCL SprainDrew Brees recently announced that he has continued to play despite having an MCL sprain. Such an injury can result in several debilitation medical conditions if not treated early.
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"Desperate Housewives" Pays Tribute to the Most Famous Whodunit in Television History: Who Shot J.R.?"Desperate Housewives" is paying homage to "Dallas" by creating a whodunit of its own, wherein a despicable character finally gets what's coming to him.
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First Person: How Low-Income Students Can Pay for CollegeAs college costs go up, you may be wondering how you will be able to pay your tuition this coming year. The good news is that there are several low-income qualified federal and state programs for obtaining money for college.
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First Person: Fighting High Property TaxesProperty taxes are likely to increase this year, but there is a way to fight them. Most homeowners can send a tax assessment appeal to their city board.
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What Are Online Advertising Exchanges?Online advertising exchanges are a new way in which advertisers can submit and display online ads. Ad exchanges have many benefits that traditional advertising networks do not. Are ad exchanges here to stay?
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First Person: What the Compromise Tax Bill Will Mean for Taxpayers in 2011President Obama and Congress are close to passing a new tax deal for 2011. What will it mean for middle class taxpayers? What will it mean for the rich?
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How I Got a College Degree Without Going Into DebtIt is possible to graduate college with no debt. Find out how I received two college degrees, and accumulated an additional $18,000 in personal savings too.
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5 Ways to Fix "Desperate Housewives""Desperate Housewives" is in its 7th season now and could use a few improvements. Here are 5 ways in which this show can be fixed.
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Benefits and Limitations of the Federal Health Insurance CLASS ActThe federal CLASS Act was signed into law in 2010. What will it mean for workers who enroll in this voluntary health care plan?
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Should You Consider Long Term Care Insurance?Up to 70% of people over age 65 will require long term care at some point in their lives. Because of this reality, it is a good idea to consider purchasing a long term care insurance policy.
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Top 10 iPhone Apps for Music EnthusiastsThere are many free or nearly free iPhone music apps available for the music lover. The top 10 music apps are listed here. -
Sporting Gear Must-Haves for Your iPodNew sporting gear and applications await your iPod. The following list describes some of the iPod's newest sporting gear must-haves.
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What's Next for the Built-In GPS?The built-in GPS has come a long way since it was introduced 10 years ago. Upcoming features may include real-time updates, custom files, and even TV.
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How to Sync Multiple Calendars on a BlackBerry PDASynchronizing multiple calendars on a PDA saves scheduling time and effort.
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How to Review Your Investment PortfolioAs 2010 draws to a close, consider your investments, what you can do with your winners, and how best you can capitalize (tax-wise) on your losers.
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Stocks, Mortgages and my 401(k): Money Lessons Learned in 20102010 was quite a year for me financially. I picked up a significant amount of financial responsibility and learned that irresponsible trading can be costly.
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Personal Finance: 5 Things You Should Do Before 2011Saving on taxes, time, and money in 2011 is the goal of these 5 quick personal finance "must do" items for 2010.
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New Income Tax Rules for 2011 Mean Higher Capital Gains TaxationCongress is proposing to not only raise individual income tax brackets, but also the capital gains taxation rate. Here's what you can do to avoid the capital gains tax rate hike.
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New Flexible Spending Account Rules for 2011Non-prescription and over-the-counter drugs will no longer be covered under the FSA in 2011. Here are some tips on what employees can do about this policy change.
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Free Trades at Full-Service Brokerages: They're Possible, but Are They Worth It?Full-service brokerages used to charge hundreds of dollars per stock trade, but not anymore. Two firms have made trading free. Are these free trades worth it?
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Financial Tips for Domestic Partners and Unmarried CouplesUnmarried couples are at a disadvantage when it comes to their mutual financial benefits and rights. However, there are ways to ensure that a domestic partner is legally recognized when it comes to financial matters.
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My Top 10 Evergreen (Page View Earning) Articles on Associated ContentHere is a list of my top 10 evergreen, or page view earning, articles which have been published on Associated Content. -
How to Get a Personal Loan for Debt Consolidation with Bad CreditBad credit can make it difficult to obtain a debt consolidation loan. It is also easy to fall prey to scam artists who promise low interest debt consolidation loans.
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Top 10 Money-Saving Travel TipsYou don't have to spend a lot of money in order to travel. Here are 10 tips for saving money while traveling. -
When Should I Increase My Retirement Savings?You will spend about 30 years of your life contributing to your retirement savings. How much retirement savings is enough? Also, at what age should you start contributing more money into a retirement savings plan?
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How to Retire on Less Money Than Planned: 10 TipsIf you are retiring on less money than originally planned, then you need to make some wise decisions. Here are 10 tips to help you get started.
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Top 10 Retirement Strategies for WomenWomen need to be especially vigilant when it comes to saving for retirement. Here are the top 10 strategies for successful retirement planning.Also published on:
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What is a Required Minimum Distribution, or RMD?Required Minimum Distributions are the required monetary amounts that retirement account holders must withdraw. There are stiff penalties for withdrawal failures or amount shortfalls.
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10 Features of Mobile BankingMobile banking has grown quite popular in recent times. Here are 10 features of mobile banking to consider before embarking on this route.
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How to Retire with Little or No SavingsYou can still retire even if you have little or no savings. The key is to be frugal, get rid of unnecessary expenses and start living within your means.
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10 Ways to Turn Your Work Office into a RetreatYou can make your office less stressful and more welcoming by trying these 10 different ideas. These ideas are economical and do not take much time to implement.Also published on:
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Why Your Small Business Needs a Safety ManualEven a small business needs a safety manual in order to protect its employees from accidents and to avoid costly lawsuits. OSHA offers several resources for small businesses attempting to create safety manuals for their employees.
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Investing for Students: Getting StartedInvesting is not just for millionaires and working folks. Students can also take advantage of stock market gains and dividend payouts and start building their investment portfolio. These 5 steps outline how to get started.
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7 Tips on How to Save Money on HotelsThere are many ways that you can save money when booking a hotel room. Here are 7 easy ways for saving money on hotel rooms.Also published on:
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Smartphones May Become "Digital Wallets" and Capable of Paying BillsYour smartphone may soon replace your wallet in terms of paying restaurant tabs and grocery bills. This issues now are security, consumer demand, regulations, and coordination of big companies and banks to bring this technology to light.
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Why Are Trans Fats Bad for Your Health?Trans fats are bad for you, but do you know why? This article explains the nature of the trans fat in terms of why it is bad for your health.
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5 Tips to Keep in Mind When Obtaining a Small Business LoanWhen obtaining a small business loan, it pays to know your financial needs, establish good personal credit, and be able to track your income and expenses. Such measures will help you secure a loan.
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Sitting Around for Long Periods of Time May Increase Your Risk of DeathSitting around for long periods of time can actually increase your risk of death- regardless of whether you exercise or not.
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Top 10 Ways You Can Advertise Your Small Business for Under $100Advertising need not be expensive. Here are 10 cheap and easy ways in which you can advertise your small business.
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Advantages and Disadvantages of Microsoft's Windows Phone 7Microsoft's Windows Phone 7 offers several advantages, such as integrated Office software and an Xbox Live App. It also has several disadvantages, such as no third-party App multitasking.
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Planning Ahead for a Good RetirementPlanning for retirement need not be a daunting task. All you need is some discipline and forethought so that you can enjoy your golden years in style and comfort.
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'Flock' and 'Yoono' Track Social Networks All in One PlaceFlock and Yoono allow people who use several social media networks to track all their updates and activities in one place.
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What is YouTube Leanback?YouTube is taking great strides to get shown on big(ger) screens such as TV with full-size and high resolution videos.
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Male Virginity Test Clears 3 RapistsPhan Thi Hong has the unusual ability to detect male virginity by looking at a specific part of the male anatomy. Is her ability real or a hoax?
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Apple iPad Users Are Still a Target for HackersAT&T, the network that Apple uses on its devices, including the iPad, has a number of security flaws that could make security breaches very easy for hackers.
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How Does the iPhone 4 Compare with the iPhone 3?The new iPhone 4 from Apple has incredible resolution, a bigger battery, and limited multitasking. What are its opportunities for improvement? Video calling to other (non-iPhone 4) phones and a second network.
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5 Reasons Why You Should Not Convert Your Traditional IRA to a Roth IRAYou may be thinking about converting to a Roth IRA and thus taking tax-free distributions upon retirement. However, in some cases, such a move just doesn't make sense. Here are 5 reasons why you should not convert.
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Does Exercise Really Help You Lose Weight?It has been claimed that exercise leads to weight loss, but does it really? Scientific studies do not support such a claim. In some cases, exercise has even been found to lead to weight gain!
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6 Different Ways to Pay Off Student Loan DebtStudent loan debt must be paid. However, there are many more options now than ever before regarding how one can pay off student loan debt. Different plans are available, both for federal and private loans.
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Google Caffeine Attempts to Beat Microsoft Bing and Focuses on Social MediaGoogle Caffeine is about to launch and may be the company's answer to the widely popular search engine Bing. Caffeine is Google's new real-time search engine and is faster, more accurate, and more relevant than the old Google.
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5 Money-Making Online Writing Sites for Freelance WritersThere are other good online writing sites, like Associated Content, from which one can earn a steady passive income. Here is a list of 5 online writing sites.
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4 Business Taxes About Which Every Small Business Owner Should KnowBusiness taxes are a fact of life for any business owner. There are 4 types of business taxes about which every small business owner should know.
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Google TV: What is It?Google TV enables the viewing of web pages on a TV. Has Google finally managed to bring TV and the Internet together?
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Have Researchers Created Synthetic Life at the J. Craig Venter Institute?J. Craig Venter and his colleagues claim that they have created new life by inserting a synthetic genome into an organism. Is this claim real?
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Has the Credit CARD Act of 2009 Really Protected Consumers from Unfair Credit Card Policies?Have consumers really benefited from the protections offered by the Credit CARD Act of 2009? High interest charges and penalty fees, lower limits, and other problems still plague credit card holders.
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Genetic Testing Kits Are Coming to WalgreensWalgreens will soon be selling genetic scan test kits from Pathway Genomics, despite opposition from the FDA. The kits indicate if one carries markers for over 70 different diseases. Drug sensitivity can also be tested.
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Does Depression Cause a Chocolate Craving- or Vice Versa?Most people assume that eating chocolate helps fight depression and lift one's mood. However, a research group is saying that chocolate may actually help cause depression.
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Is Your Boss Checking Your Facebook Status?More employers than ever are checking up on the social networking activities of their employees using software programs like Social Sentry. However, in some cases, having a social media presence can be beneficial.
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10 Ways You Can Improve Your CreditHaving bad credit does not have to be a permanent condition. Here are 10 ways you can improve your credit report immediately.
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The Top 3 Breweries in WisconsinThere are many good breweries in the state of Wisconsin. Here are the top 3 breweries that serve great beer.
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The Top 3 Bars in Madison, WisconsinMadison has many great bars. Here are listings and descriptions of the top three bars in Madison.
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How to Create and Market Your Own iPhone ApplicationHave you ever considered creating your own iPhone App? These 5 steps will teach you how to take your App from idea to reality.
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Are Hallucinogenic Drugs Making a Comeback in Modern Medicine?Hallucinogenic substances such as LSD and psilocybin used to be taboo subjects in research and medicine. Now, scientists are taking a new look at these substances and their merits regarding health and well-being.
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Lipodissolve Fat-Melting Injections Under Investigation by the FDALipodissolve is touted as a cheap and effective method for eliminating fatty areas on the body. Now, the FDA is cracking down on medical spas offering this treatment. Is Lipodissolve safe?
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10 Last Minute Income Tax DeductionsHere is a list of 10 tax deductions that you may not have previously considered. These deductions can go a long way towards saving or even making you some money.
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4 Tips for Technical Resume WritingA technical resume is very different from a non-technical resume. Here are four tips for writing a technical resume and getting hired for your dream job.
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The Making Home Affordable Program Can Lower Your Credit ScoreObama's Making Home Affordable program has come with a surprise: it can also lower the credit scores of those who take advantage of the program.
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Cheap User-Friendly Software Enables Credit Card and Identity TheftZeus and Fragus are just two malware programs that go largely undetected by antiviral computer programs, including those at banks and other businesses.
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Neuromarketing: A New Marketing Technology to Make You Buy Products?Neuromarketing is a controversial new technology that uses subconscious methods to make you buy consumer products.
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How to File Your Taxes when You're UnemployedIf you're unemployed, you still need to file your taxes. However, you can also take advantage of new tax credits and deductions.
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How to Prevent Mortgage Loan Default and Home Foreclosure in 4 StepsIf you've lost your job, you may be worried about losing your home to foreclosure. Here are 4 basic steps to help you avoid a loan default and home foreclosure.
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Is Apple Really Taking a Stand on Sexy IPhone Apps?Apple recently removed over 5,000 Apps containing inappropriate and/or sexual content. Some sexually-orientated Apps survived, however. Why?
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The Benefits of Investing in Credit Unions Vs Traditional BanksCredit unions offer better interest rates and easier loan terms than traditional "big" banks. They also help support the community.
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IPhone and Blackberry Apps Make Adultery and Cheating EasierTigerText and AshleyMadison are just two businesses that have created Apps that makes adultery and cheating very easy.
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Will Wal-Mart Rule Digital Media and DVD Rental Through VUDU?Recently, Wal-Mart has made yet another attempt to crack into the DVD rental business by purchasing the digital media start-up VUDU. Will its investment pay off?
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Is the Chatroulette Webcam Chat Site a Pornography Site in Disguise?Chatroulette is a popular social webcam site that is growing in popularity. However, is the site also permitting the viewing of pornography, even by children?
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The Genetic Code Gets an UpgradeScientists have recently upgraded the genetic code, or DNA, to code for novel and mutant proteins never before seen in nature. Could this lead to new life forms?
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Vimeo Versus YouTube: Which One is Better?Vimeo, much like YouTube, is a video posting site. However, which site is better to post to, and which one has the better features?
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Your Income Tax Return: Understanding the Homebuyer Tax CreditIf you recently purchased a home, you may qualify for a homebuyer tax credit. Here are the conditions under which you may qualify for the credit.
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Considering Self-Employment? Take the Following 5 Steps FirstIf you are considering self-employment, there are several important steps you should first take. Doing this will save you considerable financial problems down the line.
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Are Niche Online Selling Sites Giving eBay a Run for Its Money?New online marketplace sites such as Gazelle and Glyde may be luring consumers away from eBay.
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Starting a Limited Liability Company LLC: Advantages and DisadvantagesIs starting an LLC a good idea for you? Here are a list of advantages and disadvantages to starting and owning this type of business.
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How Does the Apple iPad Compare to the Amazon Kindle?The Apple iPad was released last Wednesday on January 27th, 2010. How will it compare to Amazon's big seller, the Kindle?
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Online and Wireless Technology and the Haiti Earthquake Relief Effort: Helpful or Harmful?Online and wireless technologies have made donating money to charity much easier. However, is the money actually going to the charity, or to an online scam?
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Product Review: The TomTom ONE 140-S GPS NavigatorOverall, the TomTom ONE 140-S is an inexpensive yet reliable GPS.
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What to Consider when Choosing a New Hosting PlanWhen looking for a Web hosting provider, concentrate on finding one that offers an affordable ecommerce service with reliable support.
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How to Get Debt Collectors Off Your BackHaving debt is stressful enough without the harassing phone calls and letters from debt collection agencies. Here are some tips for dealing with debt collectors.
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How Can a Power Brush Get You to Brush for the ADA Recommended Amount of Time?A power toothbrush can help you ensure better oral and dental health by enabling you to brush for two full minutes at a time.
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(MAPQUEST) Top 10 States with the Highest Speed LimitsDifferent states have different speed limits on highways and other roads. The following 10 states have the highest speed limits in the country.
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A Turkey in ManhattanTurkeys can be found in Manhattan.
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Business Overview: Quivey's GroveQuivey's Grove offers local Wisconsin history, food, and drinks in a building that goes back to 1855.
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Christmas Shopping on a BudgetChristmas shopping may be fun, but the bills and debt it generates are not. Here are some tips on how to Christmas shop on a budget.
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Top 10 Gifts for Health NutsThere are many unique and wonderful gifts for health nuts. Here is a list of the top 10 gifts for health nuts.
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Inexpensive Christmas Stocking Stuffers for GrandmaRemember that it's the thought that counts. Your grandma will be thrilled with these thoughtful, yet inexpensive, Christmas stocking stuffers.
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10 Holiday Shopping Ideas for DadThe holidays are coming; have you bought a gift for your Dad yet? If not, here are 10 great holiday shopping ideas for Dad.
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Holiday Gift Ideas for Your Husband's BossShopping for your husband's boss need not be frustrating. Here are some great holiday gift ideas for your husband's boss.
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Top 10 Gifts for Male TeachersMale teachers are not hard to shop for if you know what to buy. Here is a list of the top 10 gifts for male teachers.
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Holiday Stocking Stuffers for a TechieYou can find plenty of affordable and unique holiday stocking stuffers for the techie on your holiday shopping list. Here are some great holiday stocking stuffer ideas.
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5 Quick Holiday Gift-Wrapping AlternativesHoliday gift-wrapping can be frustrating and time-consuming. Here are five quick alternatives to holiday gift-wrapping.
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How to Avoid Holiday Shopping CrowdsHoliday shopping crowds can really put a damper on the holidays. Here are some tips on how you can avoid holiday shopping crowds while buying holiday gifts for your loved ones.
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Cheap Christmas Gift Ideas that Look ExpensiveYou don't have to spend a lot of money to buy a Christmas gift that looks expensive. Here are 10 cheap Christmas gift ideas that only look expensive.
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How to Celebrate a Christmas BirthdayThe best way to celebrate a Christmas birthday is to make the birthday separate from Christmas. There are several ways in which this can be accomplished.
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Three Sugar-Free Cookie RecipesSugar-free cookies are not hard to make and are great for those who are watching their sugar intake. Here are three recipes for sugar-free cookies.
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Low-Fat Hollandaise Sauce RecipeHollandaise sauce can contain over 100 grams of fat and over 1,000 calories. The following recipe describes a low-fat and healthier version of Hollandaise sauce.
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Maintaining Good Dental Hygiene During the HolidaysHolidays are a busy time and it is easy to let one's dental care go. Here are some tips on how one can maintain good dental and oral hygiene during the holidays.
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Techniques for Taking Care of VeneersVeneers are thin coverings placed over the teeth for protective or cosmetic reasons. The following techniques will help ensure that veneers last for years to come.
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5 Oral and Dental Care Gift Ideas for Your HusbandThis holiday season, give your husband the gift of good oral and dental health. Here are five gift ideas to get you started.
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When Should Your Child First Visit the Dentist?A child should have regularly scheduled visits with the dentist for optimal dental and oral health. These visits should begin early in the child's life to help promote good dental habits.
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The Importance of Regular Dental CheckupsWhile no one likes going to the dentist, regular dental checkups are necessary if you wish to maintain good dental and oral health. Regular dental checkups can even save your life.
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How to Repair Old Windows Instead of Replacing ThemMany people believe that old drafty windows that are hard to maneuver must be replaced. This is not necessary. Old windows can be repaired at a fraction of the cost of replacement.
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How to Break into the Biotechnology FieldThe field of biotechnology may sound exclusive and daunting, but it really isn't. However, like any field, it requires some preparation and homework.
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Restaurant Review: Pizza Extreme of Madison, WisconsinPizza Extreme makes great pizzas (and other dishes) with very fresh ingredients.
