To Be Unionized or Not?

To Be Unionized or Not?

As most of you know by now, I am a teacher and I have been teaching for a total of seven years.  For the first four years of my teaching career, I paid to be a part of a union.  I really didn't make the choice on my own, but I was just told that I needed to be a part of a union.  So, I signed up.  The last 3 years, I had realized that I really didn't need to be a part of a union and I dropped out.  So, I am a non-union teacher.

It's Tax Refund Season

It's Tax Refund Season

It's tax season.  It's the time of year where tax commercials are played constantly.  From the H&R Block's "It's Refund Season" to the Jackson Hewitt "This is how we do it" commercials, we are lulled into sleep by the fact that it is a good thing to get a tax refund.  In all reality, a tax refund is just the government paying you back the money that you loaned them over the course of the year.

You Need A New Car, The Myth

You Need A New Car, The Myth

Many people in the United States feel like that they need a brand new car.  I have heard the reasons before and these reasons deal a lot with the cost of owning an older car.  Statements like, "An older car will cost too much in monthly expenses," and"I don't want that car to dollar me to death."  The mindset is that a older car will cost more per month than a brand new car.  The issue is that most people take out a loan to buy that brand new car.  Therefore, these people have traded a false sense of security for a bunch of debt payments.