Articles written by Pat Lunsford in Personal Finance

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About me - Pat Lunsford

Hi there. I'm Pat Lunsford, Climate Change Steward. Writing has always been one of my passions and getting published was only a distant dream. However, Helium has turned my dream into reality. When the magazine arrived with my first published article, you

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Personal Finance > Smart Spending The cost of convenience: A comparison between prices at convenience stores and other stores: 3 of 69
Why do people pay the high prices at convenient stores when they can get it so much cheaper at the grocery store? Why do people purchase small quantities of items they use regularly such as toilet paper, laundry soap and canned foods, when they can purchase them in bulk and save money at big-box stores? When stopping for gas... More..
Personal Finance > Personal Finance (Other) Ways for siblings to divide an inheritance: 3 of 50
Facing an inheritance division shortly after losing a parent can have a tremendous effect on a family. There can be a number of conflicts such as second marriages, stepchildren, adopted and foster children. All too often, tempers flare, unkind things are said, and feelings get hurt. Emotions run deep during an inheritance di... More..
Personal Finance > Budgets & Saving Why it's important to know how much money you need for emergencies: 1 of 15
Why is it important to know how much money you need for emergencies? Common sense dictates the importance of being organized and prepared. Therefore, knowing in advance of an emergency situation how much money you would need to keep your head above water can be a tremendous benefit. God forbid that something should happen to... More..
Personal Finance > Smart Spending How to save money on gas: 3 of 39
The best way to save money on gas is to avoid driving, but of course, that's simply not an option for most of us. We have to get to and from work, school, and run essential errands. The truth is, all of us want to save money on gas, but none of us want to sacrifice our independent mode of transportation. Ask anyone how to sa... More..
Personal Finance > Personal Finance (Other) Defining financial freedom: 3 of 27
Ask people to define financial freedom and you will get a different answer each time. What is the first thing that comes to your mind? To some, financial freedom means being able to afford such things as lavish vacations, expensive cars, boats, expensive clothes, jewelry, or luxurious homes. Their definition of financial fre... More..
Personal Finance > Mutual Funds Why down markets can be good news for mutual fund investors: 1 of 6
When it comes to investments, Down Markets are what many experts actually look for. It's not that they take pleasure in seeing others lose on their investments but rather, they're taking advantage of someone else's ignorance or bad judgment. Many inexperienced investors bail out when the market drops, making the price of the... More..
Personal Finance > Budgets & Saving Determining how much to put aside for emergencies: 2 of 11
Determining how much to put aside for emergencies is simply a matter of calculating the amount you and your family would need to survive for three to six months. In order to do that, you will need to figure those things which you and your family will need to simply get through the crisis. During a crisis situation, family me... More..
Personal Finance > Personal Finance (Other) How to become a billionaire: 2 of 10
How to become a billionaire is to get up close and personal with one. Michelle knew this because she had a friend named Bob who did just that. He told Michelle during their last year of college that he had read a book about how a man became friends with a wealthy man with the sole purpose of picking his brain. Michelle thoug... More..
Personal Finance > Smart Spending How to save money at a farmers' market: 2 of 8
Having been in the produce business for more years than I care to remember, I can tell you a number of ways to save money at a farmer's market. If you don't know where your local farmer's market is, call the Department of Agriculture in your area and they will give you the location of the one nearest you. Produce market owne... More..
Personal Finance > Taxes Should the death tax be abolished?: 4 of 12
Death tax, otherwise known as estate tax, is what the government will take away from your family when you die. It belongs to you and they have no right taking what belongs to you simply because you are no longer here to defend it. How dare they take what was rightfully yours which anyone in their right mind would know you'd ... More..