Today I heard on the radio that some local governments were going to require home sellers to disclose to buyers how much it cost to heat and cool a home. While this seemed strange at first, I thought it made perfect sense given increasing electricity and natural gas prices.

Most of us have heard about phishing (pronounced like "fishing"). It's when someone is trying to obtain personal information about you to steal your identity. Things like a credit card number, password or social security card number.

U.S. government agency purchases of good and services are a lucrative source of revenue for small businesses. The Federal government spent about $425 billion in 2007. We discuss several approaches for getting some of that work.

This tongue in cheek article lists all the reasons why you would not consider a federal government job. This should be read by couples, first job seekers and those needing some degree of security.

Almost half of the 900,000 federal employees are ready to retire. This means that your chances of finding a job with the Federal Government are extremely good. What's our advice? Do an internship.

According to the US government, there are ten areas that are the most popular on line destinations with individuals. We think these eight are relatively good.

Most houses cost between 2 to 3 times what they list for. Why? Because over 15 to 30 years you'll be paying all that interest to your mortgage company. You can reduce that considerably with home equity accelerator programs.

Paytrust's 2004 redesigned website traded in a more intuitive and user friendly design for one that is more text oriented. We think that Paytrust really had lost touch with its users.

Here are some of the most important government websites for calculating how much cash you will need, where to get it and the equipment to start a home based or small business.

We review Paytrust and several other ways to pay your bills online and manage your money. We also discuss how you can teach your kids about money using VisaBuxx.

OMB Watch, a non-governmental organization created a new website called Welcome to FederalSpending.org. The new website provides small businesseses, non-profits and individuals with information on how the US Federal Government is spending your hard earned money.

Besides a lack of expertise, a shortage of money is the 2nd major reason why small businesses fail. With this in mind, we explore some sources of funding and new approaches to finance your startup or existing small business.