– Arden Joseph, Esq.
Any1townUSA was created to discuss kitchen table issues affecting families. Our posts will hopefully inform and get readers to take action. We will cover a wide range of issues from personal finance, politics, family and lifestyle. Some topics will have consensus while others will be more contentious. Despite any of those differences, our basic needs are the same. We all want the best for ourselves and families.
Our goal is to move closer to the ideal that more unites us than divides us in Any1townUSA.
It is officially the holiday season whether our wallets are ready of not! Retailers are not shy about rolling out their holiday ads and store displays earlier each year. So what does that mean for us? It means all things holiday, parties, gifts, dinners, travel, and whatever else that comes to mind. Undoubtedly, the additional spending will throw…
Read MoreIf you own a home or car, you know about insurance. Not only are those polices generally required, but they do give us peace of mind in the event something happens. But what do we do if that something happens and it’s so devastating leaving our existing policy short of coverage? Let me introduce you to an umbrella policy. An umbrella insurance policy…
Read MoreMy short answer is, it can’t hurt. In recent years, we are seeing more property damage from flood waters. Hurricane season is from June 1 to November 30. Each year, millions are in the path of storms that can materialize into a non weather event to one resulting in dire aftermaths. Hurricanes Harvey and Irma left massive devastation in…
Read MoreHave you noticed that six months of 2017 are already history! Yes, we are half way through the year. It’s the end of July and the height of the summer travel season. Have you taken any time yet to getaway and unplug? If have you, that’s wonderful. If you haven’t, what are you waiting for? Adults need a break from the daily grind. Our kids too need…
Read MoreIf you don’t have an ALDI in your area, one is likely coming soon. The company announced last week that by the end of 2018, it will expand to 2,000 stores in the U.S. ALDI is a chain of German grocery stores that does not offer U.S shoppers what we are accustomed to during our ritual trip to get groceries. The chain does not…
Read MoreDo you have $500 or $1000 in savings? If your answer is no, then you are not alone. A recent article reported 6 in 10 Americans do not have $500 in their savings to cover an unexpected expense. Too much expenses is usually the number one reason people say they are not able to save. Another reason is they…
Read MoreFamilies across America are getting ready to celebrate college graduations! Its a wonderful time to see a loved one adorned in a cap and gown. The day ends years of sacrifice and hard work. Everyone beams with pride as graduates walk across stages to receive diplomas. Graduation also brings a sense of relief from the obligation of paying for college. Whether graduating from a public or private institution, the cost of getting…
Read MoreSimply stated, a budget is a spending plan. A budget allows you to know how to balance your income against your expenses for a particular period of time. A monthly budget is the most common. If asked how much money you spend monthly, would you have an answer to that question? Creating a budget will give you the tools to have an answer to that question. So where do you start? 1…
Read MoreMillions of taxpayers expect refunds each year. Taxpayer often start making plans in anticipation of receiving that refund. Too many people are ready to spend their refunds as soon as it hits their accounts. Usually, there is some excitement around getting a refund. But let’s not forget why we get refunds. Refunds are generally received because taxes were overpaid during the previous…
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