It is tax season and you may be one of the many millions of people to get a refund. That is wonderful news but then you have to think on how to spend it with out wasting it of course.
There are several ways that you can utilize your extra money.

1. • 1

     First you must look at the amount of your refund and analyze your monthly budgets and your debts such as credit cards, school loans, mortgage or even car payments.

   • 2

     Then divide the amount in three equal parts.

   • 3

     Now, put the first third of the money towards your highest debt.

   • 4

     The second part put it away in a savings account or IRA account, and if you do not have a savings account this can be a good time to open it.

     Read more »

The stock market for beginners used to boil down to "buy low, sell high." Now it seems that the people who didn't invest in the stock market were the smart ones. In an age where even the stock experts seem to be losing their portfolios, it might feel next to impossible to gain a basic understanding of the stock market, let alone thrive there. Here is everything you need to know about the stock market for beginners.

1. • 1

     Beware of pump & dump schemes. These are common on the internet. If you've ever seen an email guaranteeing you to make x amount of money if you just pay for their stock tip, it's probably a pump & dump scheme. This is when someone solicits a lot of people to invest in a stock at the same time. The price will be driven higher artificially & then the schemer will sell all of their stocks at the inflated price.

     Read more »