Howtodude.NET / Howtos by Roger

Stop receiving offers by four major USA credit bureaus (Equifax, Experian, Innovis and TransUnion). This is a great way to reduce the risk that people steel offers from your mailbox and use your private information for fraud.

Predict if it is going to rain.

If you are in a triathlon, you don't want to spend much time for putting on your wetsuit. Read how to put on your wetsuit in a hurry.

Clean your cement when it has gasoline and grease stains.

At the breakeven point, cost or expenses are equal to income. There is no net loss or gain, one has "broken even". This describes how to calculate it.

People value today's money higher than money in the future. The difference is interest. If I want 1000 dollar by the end of 2 years and then interest rate is 10%, how much do I need to invest today? The answer is 826 dollar. This is the present value of 1000 dollar in two year.

Read how to calculate the present value!

If you're living in the USA, you're not alone if you have a Credit Card dept. Here is a way to find out if you need to participate in a program that helps you to regain control over your credit card debts.