Fix My Finances
Helping You Get “Back In The Black”

Starting  a business requires more than just a great idea.  If all you have is an idea, the business won’t get very far.  You need management skills and a vision for the business.  However, the vision must be more than just a few thoughts and ideas you keep in you head, it needs to be [...]

Today nearly 1/3 of all homeowners owe more on their homes then the homes are worth.  If the homeowner can continue to make the mortgage payment and isn’t planning on moving anytime soon, that is not a problem.  However, if the homeowner needs to sell the home being underwater on the house can be a [...]

School just started.  The kids all needed back to school clothes, winter is coming so they are going to need new winter clothes as well since they keep growing.  Oh, and they need fuel (food) so they can keep growing.  All these expenses can really add up quickly, however, there are ways to keep the [...]

Housing market prices are still low, rates are still very low and sales are increasing.  Is now the right time for you to buy your new home? Many people are trying to purchase a property before the $8,000 housing credit expires in November.  Currently, if a property is not purchased by the end of November, [...]

Many small business owners start making a profit, take a salary, and then get a huge surprise when tax day rolls around.  Most small business owners do not have a tax or accounting background, however, it is extremely important that you not neglect this side of your business.  If as a self-employed person you are [...]

Since houses are worth less today than they were purchased for, i.e. the homeowner is underwater on his mortgage, some families have tried to put their homes on the market as a short sale and then have a family member purchase the house at the lower price and then sell the property back to the [...]

Yes it is difficult to get a mortgage right now.  Banks are loaning money but they want more downpayments and they are taking more precautions to protect their investments.  As such, I would recommend that couples looking to purchase a home consider a multi-family. Multi-families are great because it allows the couple to purchase a [...]

With so many people starting their own businesses now, it is essential that they get proper advice in setting up the companies to ensure that they don’t end up with issues later on in the life of the company. Many people like to form corporations because of the limited liability for shareholders.  Limited liability means [...]

Many people today are falling behind on their mortgages.  Thanks to legislation the Obama administration passed this year there is hope. First you need to assess why you are falling behind on your mortgage.  Did you or your spouse lose your job, did you have some unexpected medical expenses, were you or your spouse injured [...]