 Category :: Personal Finance Articles |
Author :: Michael Peterson  |
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| Article Title :: How To Free-Up 10% to 15% of Your Income |
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| Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind. Wouldn’t it be exciting to actually have money left over at the end of the month?I know what you are thinking: “That would be nice, but not if I have to budget every dollar”. What if I told you it could be done without budgeting? What if you could accomplish this in a week’s time without too much effort? Would you take a few steps in order to improve your finances?If you answered “yes”, let’s go through the simple steps req (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jon Galanty |
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| Article Title :: Want Your Savings to Earn a Higher Rate of Return? Try Internet Banking |
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| Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate has been excruciatingly hot for the past few years, but getting in the market now puts you in the high-risk category for a heat stroke if the market decides to cool off this year.So if a real estate induced stroke doesn't appeal to you and the stock market's roller coaster ride gives you motion sickness, it's very likely that you as a health-conscious investor are sitting on a stash of cash collecting an anemic rate of interest.Don't worry, you are in good company. Even investment legend Warren Buffet is having problems fi (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robb Ksiazek |
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| Article Title :: Photo Checks – A Great Alternative in Checking |
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| It’s the little things in life that make it interesting. Everyday life can be so boring at times. To make the ordinary extraordinary takes time to explore and to discover. Fortunately, there are some wonderful places online to personalize those ordinary items and make them the pride of you day.We all have checking accounts, many more than one. Most of us buy checks through three different means: the local bank, through the mail, and on the internet. Internet shopping is increasing, due in part to more confidence, and just more people using the web in general.There is a new alternative in check supplies that has begun a new trend. Photo checks are increasingly popular (read full article) |
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| Category :: Personal Finance Articles |
Author :: Hesh Reinfeld |
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| Article Title :: Risky Business: You May Not be as Daring as You Think |
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| I thought I was through with exams when I finished college. Then my financial adviser (a.k.a. stockbroker) had me take a test to measure my tolerance for risk. He said, there were no right or wrong answers, but I knew better.Once I had taken a personality test when I was in career transition (a.k.a. unemployed). My counselor had said the same thing, “There is no right or…,” but when he told me my score he noted it was on the edge of the bell curve — the wrong edge. My need for acceptance by others was high; so high that I could not confront a taxi driver who gave me zero change from a $10 bill, on a $4.50 fare.I was very leery of taking this “risk-tolerance profile (read full article) |
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| Category :: Personal Finance Articles |
Author :: Hesh Reinfeld |
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| Article Title :: Portfolio Planning can Lead to Irreconcilable Differences |
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| The judge had to ask the question, and we had to answer it in order to get our divorce finalized. It was all supposed to be pro-forma.
“Why are you getting divorced?” the judge asked, his head buried in legal file folders.“Irreconcilable differences,” my wife, Sue, and I answered in unison as our attorneys recommended.To our surprise, he followed up with a second question. “Differences about what?”“Investment strategies,” I blurted out. My attorney stomped me on my foot to shut me up. The judge was intrigued even though 20 other couples, with their attorneys, were waiting behind us.Sue jumped in. “He believes in using only index funds in our p (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robb Ksiazek |
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| Article Title :: Personal Checks – Extreme Benefits |
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| Millions of people have a checking account and many people have two of three. They have the choice of choosing a variety of check designs to compliment the checking account. The styles range from solid color checks to more intricate designs that reflect the personality.Why would someone decide to spend just a little bit more money when they can buy the cheaper, more basic checks? It has everything to do with customization.The many check images available to make your account personal can cover just about all the bases. Here are some of the examples for you to choose from:Cartoon checks. Care Bears, Spongebob, and Hello Kitty are popular checks for y (read full article) |
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| Category :: Personal Finance Articles |
Author :: Chileshe Mwape |
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| Article Title :: How to Choose the Right Bank for Your Online Business |
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| You should thoroughly consider your business needs when selecting a financial institution or bank for your small/home business. You may want to consider the following points:- The types of products and services that are offered.- The bank's criteria for qualifying for a loan.- The minimum balances for accounts, interest rates and charges for account services.- Location and Access to ATMs- Online Banking ServicesOne bank may specialize in home loans or auto loans while another may focus on commercial loans for businesses. Some banks may only offer basic deposit accounts while others have lock box services, sweep accounts, and even online banking! I (read full article) |
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| Category :: Personal Finance Articles |
Author :: Mika Hamilton |
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| Article Title :: A Quck Lesson in Saving Money |
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| Did you have a piggy bank when you were a child? I did. Mine sat empty for a long time until my mother convinced me that I should really start putting my pennies and nickels into it in order to save my money for when I was older and wanted to buy something.So, I did. I had about forty cents on me from the sale of some baseball cards to one of my friends (probably a Reggie Jackson Rookie Card or something worth thousands today) and I plunked it into the piggy bank to save money for “when I was older.” The next day I went to my mother and asked her, “How do you pray?” She was definitely taken aback by the question (I was probably five or six years old at the time), but g (read full article) |
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| Category :: Personal Finance Articles |
Author :: Richard Green |
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| Article Title :: Adverse Debt Levels Blight UK Consumers Personal Finances |
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| Debt levels are at an all time high in the UK. The younger generation tend to be feeling the pinch the most, but parents are increasingly being required to bail them out, often at great expense to their own limited mortgage or retirement savings.It has become almost accepted as a fact of life that graduates will begin their careers with a considerable level of personal debt. The Association of Investment Trust Companies found that on average students expected to graduate with £7,208 of debt, while parents believed it would be nearer to £9,741, however the real average was found to be currently running at £13,501. Graduates then need to service credit cards, take out a mortgag (read full article) |
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| Category :: Personal Finance Articles |
Author :: Douglas Hanna |
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| Article Title :: Family Money Management: The Importance of Agreement |
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| Are you having problems with debt? Are you afraid to answer the phone because it may be an angry creditor calling? Do you have problems getting from one paycheck to the next? The simple answer is that you need to budget. But for that budget to work, both you and your spouse need to be in total agreement.If one of you loves to shop and doesn't worry much about credit card debt while the other hates spending money like death, you have a problem. You can create budgets till Honolulu freezes over, but it won't work and chances, are, you and your significant other will end up fighting constantly.Even before you start to create a budget, the two of you must sit down and discuss yo (read full article) |
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