Articles written by Kelly Lucas

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About me - Kelly Lucas

I have successfully built a freelance writing business with an emphasis in writing web content that optimizes search engine rankings. UPDATE....Wow! A lot has happened over the past year or two. I've had some surgeries that kept me sidelined for the past several

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Personal Finance > Retirement How to set up an IRA: 1 of 14
STEP BY STEP GUIDE TO SETTING UP AN IRAWhile it may look like a daunting task, setting up an IRA for retirement is really quite simple. The tough part, however, is deciding on the type of IRA and which brokerage or financial institution to utilize. This step-by-step guide will help you make these decisions along the way.STEP ... More..
Personal Finance > Stock Market Diversifying your risk in the stock market: 2 of 27
Diversification: Never put all your eggs in one basket. The stock market goes up and it goes down. Some people make money, while others lose money. In order to realize a net gain in the stock market one must follow certain principles. The most important principle being Diversification.Diversification means "never put all your... More..
Personal Finance > Retirement Rollover of IRA accounts: 1 of 4
A Guide To Rollover IRAsWhat is a rollover?A rollover, or IRA Rollover, means transferring money or assets from one retirement savings plan to another.Why do a Rollover?Have you recently changed jobs? Become disabled? Looking to convert your Traditional IRA into a Roth IRA? Want to consolidate your IRAs? Or maybe you are not ... More..
Personal Finance > Managing Credit Do credit counseling services really help?: 10 of 31
What you should know about credit debt counseling services! If you find yourself maxed out, can't pay those credit card bills, and are now considering credit debt counseling, think twice before pursuing this route of assistance. Why? Credit Counseling hurts your credit health and score for a very long time. Much longer than a... More..
Education > Homeschooling Making the decision to homeschool: What you should consider: 7 of 19
There are many factors to consider in making the decision to home school your children. I have confronted this issue personally and I am so happy that I am able to offer my son this alternative to public schooling. It was about six months ago that the idea came to me that maybe I should consider home schooling. I wanted to so... More..
Travel > Air Travel & Airlines Airline reviews: JetBlue Airways: 3 of 7
Jetblue: Luxury at Bargain PricesIf you're looking to get the best bang for your buck, then Jetblue is grade A top choice and quality certified. Recent consumer surveys and ratings overwhelmingly point to low airfare combined with unique in-flight amenities and comfort as the major reasons folks continue to make Jetblue their... More..
Personal Finance > Real Estate Determining if your property qualifies for a 1031 exchange: 5 of 10
1031 ExchangeA 1031 exchange is a strategy used to eliminate the payment of capital gains taxes from selling a real estate property used for investment or for "productive use" in a business or trade. It is named as such because "1031" is the IRS code section 1031. "Exchange" refers to the core of the strategy in which one inv... More..
Personal Finance > Smart Spending How to fight high energy bills in the summer: 73 of 103
Summer is my favorite time of year. But with rising energy prices, particular rising oil prices and speculations of $100 per barrel of oil looming in the midst, it's just getting tougher to enjoy the sun and great outdoors of summer-time. It seems more and more of my money goes towards cooling my home and less towards vacatio... More..
Personal Finance > Retirement Roth IRA 101: 4 of 5
ROTH IRA BASICS: JUST THE FACTS PLEASE*What is a Roth IRA? A Roth IRA is an Individual Retirement savings Account best known for providing tax free earnings growth and tax free retirement distributions. Individuals can contribute up to $4000 a year ($5000 if 50 and older) from after-tax dollars, and in return may receive tax ... More..
Politics, News & Issues > People in the News Should Senator Larry Craig (R-ID) have resigned?: 38 of 44
Larry Craig most definitely should have resigned. There is absolutely no excuse for his lewd and questionable behavior. Yes, we do hold our leaders to a higher standard. That is why we elected them in the first place. As such, they need to be an outstanding example of values and morals deemed mainstream and appropriate, at a ... More..