21 Financial Red Flags (Part 2)

These days, so many people are struggling financially, failing to save, awash in debt and student loans, shut out from home ownership, and wondering how they’ll retire comfortably. So it’s more important than ever to identify the red flags in our financial picture, and then fix them.

In part one of this blog we covered the first 7 financial red flags to look for. Here are 7 more to identify in case you’re inadvertently sabotaging your finances, and most importantly, action ...

Continue Reading →
money-really-can-buy-happiness

It turns out money really can buy happiness!

“Money can’t buy you happiness,” is a mantra we tell ourselves regularly, put on bumper stickers and even teach our children. But is it true?

Probably not, it turns out, as studies point to the positive correlation between income and levels of happiness. So having more money really will make us happier?

Somewhat, but there are certain important distinctions to make before we start blindly chasing dollar signs in hopes for inner bliss.

First, we’ll go over the research:

One of the first stabs ...

Continue Reading →
vanity-credit-repair

​Vanity, Incorporated. Just how much do we spend on looking good?

Looking good is big business around the world, but no one spends more on cosmetics, beauty products, surgeries, and grooming than people in the U.S. In fact, in 2015 alone, the beauty industry generated $56.2 billion in the United States (to put it in perspective, the medical technology industry makes only $44 billion every year).

But is our spending on vanity out of control? You be the judge once you read these facts about the beauty industry:

Goldman Sachs estimates that the ...

Continue Reading →
pet-industry-growth

The U.S. pet industry is barking, biting, and booming like never before.

Do you own a pet? Chances are, you either have a beloved pooch or frisky feline in your care, and if so, you probably spend a hefty sum of money keeping them fed, healthy, happy, and even entertained. In fact, the pet industry is one of the largest niche segments of household discretionary spending, and has even proven to be recession proof over the last 5+ years. Of course we can’t measure our love for the loyal family dog ...

Continue Reading →
25-more-facts-about-starbucks

25 more perfectly roasted and heavily-caffeinated facts about Starbucks, (including one coffee shop location you won’t believe!)

In part one of this blog we brought you 25 rich, steamy and delicious facts about Starbucks, the world’s most popular coffee brand. Here are 25 more perfectly roasted and heavily-caffeinated facts about Starbucks, including our vote for the nicest coffee store in the world!

1. Starbucks was originally based with a nautical theme to celebrate founding city Seattle’s seaport identity, so their logo also has a maritime design.

2. In fact, inspiration for the Starbucks logo came from a ...

Continue Reading →
25-facts-about-retail returns-in-the-US

Bringing it back: 25 Facts about retail returns (including abuse and fraud!) in the U.S.

Americans returned 8% of their purchases last year – including return fraud and abuse, costing retailers and merchants $15.9 billion annually.

1. Estimates of the total U.S. retail industry sales in 2015 are right around $3.256 trillion.

2. An astounding 8% of all retail merchandise was returned, which amounts to $260.5 billion in returns!

3. Abuse and fraud (abuse has a pretty wide definition) constitutes 6.1% of all returns, costing retailers $15.9 billion.

4. U.S. retailers lose around $9.6 billion annually on return abuse, and $14.8 ...

Continue Reading →

35 Mind-blowing facts about Wal-Mart, the world’s largest retailer.

Recent headlines disclose that Wal-Mart, the ubiquitous international super store chain, will close about 269 locations this coming year, affecting 16,000 workers. About 154 of those stores are in the U.S., expected to leave 10,000 workers laid off or fired. But does that mean the venerable retailer is in decline? Hardly, as we see from these 35 mind blowing facts about Wal-Mart.

1. Despite the recent small decline, Wal-Mart is still the biggest retailer in the world, with 11,000 stores in ...

Continue Reading →
25-facts-about-playing-the-lottery

So you didn’t win the $1.6 billion lottery jackpot? Here are 25 facts you should know – including how to increase your chances next time.

When the PowerBall jackpot recently grew to over $1.6 billion dollars, a lot of people ran to their nearest gas station, deli, or convenience store to buy a ticket. For the few people who came out with the lucky numbers, their lives will be changed forever. But for the rest of us, life just goes back to normal – until the jackpot grows large enough to capture our attention again and we buy tickets. But what are the actual odds ...

Continue Reading →

The Top-10 Blue Water Credit Blog Posts of 2015

As 2015 comes to a close and we look ahead to 2016 with fresh hope, optimism, and lofty goals, eager to face the challenges it will hold. But before we turn off the lights on 2015, we wanted to recap the best blog posts of the year. Here are the top Blue Water Credit bog posts of 2015 as chosen by you. Thanks again for clicking, reading, sharing, and being a part of the Blue Water Credit family. We look ...

Continue Reading →
12-credit-and-financial-tips-for-the-holidays

12 Credit and financial tips for the holidays.

The holidays are here, and while it’s a golden time to enjoy family, friends, give back to others and the many blessings in our lives, it’s also a time of year that can be dangerous financially. In fact, most households see a huge spike in spending and debt over between Thanksgiving, Christmas or Hanukkah, New Years – so much so that many retailers make 15-20 percent of their total annual sales during that period. Add in Valentines Day, winter family ...

Continue Reading →
Page 1 of 2 12