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Critical Financial

A Financial Guide to America in the 21st Century

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Do You Want To Build Credit?

Do You Want To Build Credit?

Jul 16th, 2020 · 0 Comment
  Do you know what to do to build credit and establish yourself as a good credit risk? Believe it or not, the way you approach a small...
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National Fiscal Policies

5 Facts To Illustrate The Roles of Government Bodies That Determine National Fiscal Policies

Oct 27th, 2012 · 0 Comment
In a presidential election year, there is a lot of chatter about the roles of government bodies that determine national fiscal policies. Moreover,... more →

Poor Mans Gold | Why The Demand For Silver Will Continue its Rise

Oct 25th, 2012 · 2 Comments
Silver has often been called the “poor man’s gold,” but it might be the better investment, according to a wide spectrum of precious metals... more →
Wholesale Lease Options | Excellent Middleman Service Sure To Bolster Your Reputation

Wholesale Lease Options | Excellent Middleman Service Sure To Bolster Your Reputation

Oct 22nd, 2012 · 0 Comment
What is a great way to make sizeable profit without putting hardly any of your own money at risk? Four words: wholesaling lease options investing... more →
Facebook IPO Filing

Facebook IPO Filing | Did The CalSTRS Pension Fund Get In To Deep?

Oct 16th, 2012 · 0 Comment
The first move by the California State Teachers’ Retirement System was a good one. It got in on the Facebook IPO filing for 500,000 shares,... more →

Core Inflation | The Invisible Tax Obtained Through Profuse Money Printing

Oct 13th, 2012 · 0 Comment
In a presidential campaign year, you hear the word “taxes” bandied about quite a bit. Everyone has a strong interest in Mitt Romney’s... more →
Increase Your Profits, social media

Increase Your Profits By Using Social Media Networks When Making Investment Decisions

Oct 10th, 2012 · 1 Comment
Once you get past the typical chatter about social media networks—it’s a fad that will pass, everyone thinks that they are interesting and... more →
The 1%, occupy wall street, media

The 1% | What The Media And Occupy Wall Street Don’t Tell You

Oct 8th, 2012 · 0 Comment
The 1%, which is the moniker for the uber wealthy whom have allegedly stolen their lot from the 99%, has received extreme criticism in the past... more →
Chinese Lending

Chinese Lending | Who is Better Off? Chinese Economy or U.S Economy

Oct 7th, 2012 · 0 Comment
In case you haven’t noticed, the U.S. Economy has been quite heavily dependent on the People’s Republic of China’s purchase of U.S. Treasury... more →
credit card,Financial Stress

Be A Good Steward Of Your Finances | Keep An Expense Log For Every Purchase

Oct 4th, 2012 · 4 Comments
Advancement in payment processing technology is rapidly outdating traditional paper and postage billing system.  As a consumer, I personally... more →
The Stock Market, presidential election

The Stock Market | What Happens in Presidential Election Years?

Sep 27th, 2012 · 0 Comment
The relationship between the stock market’s performance and the presidential election cycle has been indisputably proven, to a degree. Not... more →
Cities With Low Average Home Price

10 Cities With Low Average Home Price And You Can Secure A Mortgage For The Cost Of Your iPhone 5 Family Plan

Sep 24th, 2012 · 0 Comment
If you are looking to move somewhere more affordable and where you can make a living, good luck. Most areas with low unemployment rates have... more →
Japan's Lost Decade, U.S. economy, lesson learned

Japan’s Lost Decade | 6 Lessons Learned That May Help The US Economy

Sep 19th, 2012 · 0 Comment
Decades ago, Japan’s economy was the envy of the world, ranking first in GNP per capita in the late 1980s. Then, this Asian tiger was brought... more →

Prized Google Stock | 4 Ways To Invest In Google Inc. Without Buying A Share

Sep 16th, 2012 · 0 Comment
4 “back Door” methods for  Investing in Google without buying a single share If you are not keen on investing in Google stock due... more →

The Maglev Train Model | A Symbol Of China’s Economic Decline?

Sep 13th, 2012 · 0 Comment
Sheer speed at 270 MPH, no rocking, no rattling, in fact no sound at all, the Maglev is a show of engineering genius.  The train has no wheels... more →
Generate A Good ROI, home remodeling

Home Remodeling | 5 Projects Sure To Generate A Good ROI

Sep 11th, 2012 · 2 Comments
Do it yourself home remodeling has become a popular alternative for many owners who have felt a little sting from our nation’s economic slowdown.... more →
The Sure Return, investing, self-improvement

YOU, The Sure Return | Make Investments In YOU

Sep 8th, 2012 · 0 Comment
If your morning begins with bad news about your investments each day, then you need to come up with a better strategy for life. If the latest... more →

Ripple Effect | The Collateral Damage Of Rising Corn Prices

Sep 6th, 2012 · 0 Comment
The worst drought to hit the Midwest in more than 50 years will impact more than the farmers who are looking at shriveled up ears of corn that... more →
Bond Laddering, investment, bond investment

Bond Laddering for Rising Rate Environments

Sep 2nd, 2012 · 1 Comment
If you have not been too excited by your bond investment returns in recent years, or in your returns on any of your investments, you might want... more →
Franchise Investing

Franchise Investing | Consider These Pros and Cons Before You Invest

Aug 28th, 2012 · 0 Comment
Anyone who saw the movie “The Blind Side” got a look at the dream world of investing in and owning a franchise. If you didn’t see the... more →
Bretton Woods Agreement Of 1944

Bretton Woods Agreement Of 1944 | The Beginning of Monetary Chaos?

Aug 25th, 2012 · 0 Comment
The Bretton Woods Gold Standard and the Beginning of Monetary Chaos When 730 delegates from all 44 of the Allied nations gathered near the end... more →
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About the Author

Melissa is a writer and virtual assistant. She earned her Master’s from Southern Illinois University, and her Bachelor’s in English from the University of Michigan. When she’s not working, you can find her homeschooling her kids, reading a good book, or cooking. She resides in Arizona where she dislikes the summer heat but loves the natural beauty.


Critical Financials’ Basic Personal Finance Rules

Here are some simple guidelines that will help you build wealth:  

1) Do the math. Get a budget and calculate your net worth

2) Get an emergency fund. Save at least 6 months worth of expenses

3) Limit costs. Spend no more than 30% of your income on housing

4) Max your retirement. Maximize contributions to your tax-deferred retirement accounts

5) Pay yourself first. Set aside money for yourself before you take care of your other bills

6) Set goals. Goal let you get ahead faster

7) Avoid high interest debt. Avoid credit cards, title loans and other usurious loans

8) Diversify. Diversity your assets.

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