 Category :: Personal Finance Articles |
Author :: Steven Gillman  |
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| Article Title :: Save On Food - Ten Tips |
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| To save on food, be an opportunist. Buy what you like, but buy on sale. Do you need oranges every day? Buy them when they're cheap, then buy grapefruit or orange juice when it's on sale. Opportunism is the key to low-cost living in general. You get everything you like, and lots of variety, because everything goes on sale once in a while. Here are ten more ways to get cheap food.1. Stock up during sales. We recently bought 20 or 30 cans of tomato paste on sale for 10 cents per can. That's cheap food. You can do this with all non-perishables.2. Try store brands. Some are as good as name brands and some aren't, but all are cheaper. Test them, maybe without telling the kids. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robin Harris |
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| Article Title :: One Income Source Is Not Enough! |
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| My personal opinion is that in today’s new economy, it is wise to have multiple income streams. Reliance on one income source poses a risk to individuals, entrepreneurs, and even large corporations. A single-source income stream, rather it comes from a job, a million-dollar customer, or a highly targeted market segment can dry up for any number of reasons.I live in Michigan where many people derive their income from the auto industry. A downturn in that industry can affect masses of people in various industries because their critical source-point is the auto industry. In fact, before I got laid off from IBM last year, Ford was their biggest client here in Michigan. As Ford start (read full article) |
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| Category :: Personal Finance Articles |
Author :: Toni Phelps |
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| Article Title :: Government Grants - Beware of Scams |
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| As the saying goes: "Buyer Beware". If you see ads claiming you
qualify to receive a "free grant" for education, to start a home
business or to payoff unpaid bills, be wary. Scam artists will claim your grant application is guaranteed to be accepted and approved, and you never have to repay the money. But the Federal Trade Commission (FTC) warns that these grant offers are often a scam. The grant isn't free, nor is it guaranteed, nor is a refund.
According to the FTC, some scam artists market "free grants" in
classified ads and even provide a toll free phone number. Here's an example of what happens when you call:
A company representative asks non-threatening, simple que (read full article) |
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| Category :: Personal Finance Articles |
Author :: Gary Simpson |
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| Article Title :: Improving Your Financial Position |
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| If you want money you need to learn how to control it. You need to improve your financial education and build your discipline. I am going to reveal to you how you can do both. Let me ask you a very simple question. Do you want money? Of course you do!Everybody wants money. You might think my next questions are even sillier, but I'll ask them anyway. Would you like to have money all the time? Do you really want money?You see what I am asking you, by adding the word "really," is do you actually want the money itself or do you want the freedom it can buy you? Ahh. Now you see what I am getting at. What you really want is the freedom that the money represents. What you r (read full article) |
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| Category :: Personal Finance Articles |
Author :: Richard Green |
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| Article Title :: Basic Bank Accounts Failing the Basic Needs of Consumers |
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| The lists of bank and savings accounts that are available to most people are bewildering. A quick look at a comparison site like Moneynet or Moneyfacts will reveal thousands of different products. Unfortunately many of these accounts are not accessible for anyone with either a poor or even no credit history.Research carried out for the National Consumer Council (NCC) reveals “that the poor pay more, or get less, for essential goods and services… having a bank account can be a gateway to other products and services, such as affordable credit and insurance”. To help counteract this problem of financial exclusion, the government has tried to initiate the introduction of basic (read full article) |
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| Category :: Personal Finance Articles |
Author :: Mark Askew |
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| Article Title :: Accessing Funds You Never Knew You Had- Household Utilities and Mortgage Expense Reduction Plan |
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| For most of us the process of getting out of debt and pursuing a venture that would create an income stream leading to early retirement seems just a pipe dream. It goes without saying; it takes money to make money. Most of us have had our eye on pursuing a stock, invention patent, greater education or a small business only to have our goals cut short because of lack of funds. The fact is we may have access to more funds than we realize. In this article we will discuss the three keys to having your money make more money sooner than later.
The three keys are:Reducing Expenses By Cutting CostsReevaluating Your Financial SituationFreeing Up Financing FundsCh (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles Essmeier |
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| Article Title :: Debt Management – More Ways to Save on Gas Consumption |
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| The price of gas continues to climb, and with continued uncertainty in the Middle East, they will probably continue to do so. In California and elsewhere, prices for some grades of gas have now reached the previously unthinkable three dollars a gallon. Granted, that is lower than the inflation-adjusted prices of early 1981, but that doesn’t make anyone feel better when they’ve just paid nearly $100 to fill the tank of their sport utility vehicle.In a previous article, we offered some solutions as to how the average consumer can either save on gas prices or use less gas. These tips included using credit cards with cashback rebates, keeping your car tuned and tires inflated, a (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robert Jones |
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| Article Title :: Financing Collectibles for Fun and Profit |
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| With the advent of the internet and especially auction services like those provided by Yahoo and E-bay, serious collectors have much larger arenas in which to buy and sell their wares. This provides the opportunity for quick discovery of hard-to-find items that previously might have taken years to find.Depending upon the rarity of the collectible and the owner’s awareness of its value, prices may range up to thousands of dollars for something of true quality in above average condition. However, there are still bargains being found everyday. A lot of things are being sold for a fraction of their true values simply because the owner wants to free up some space or rid themselves o (read full article) |
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| Category :: Personal Finance Articles |
Author :: Rhiannon Williamson |
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| Article Title :: Five Secrets for Long-term Financial Success |
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| Future financial success is not a guarantee that any one of us can rely upon, no matter how wealthy we are now or intend to become.There are however five future proofing financial steps that we can take to protect our current financial status, improve our future financial prospects and secure our long-term financial success.1) Know The Different Between Good Debt & Bad DebtBad debt is any debt that accrues interest month after month on outstanding balances and includes credit card debt of course, which is now the most common type of bad debt that we are all burdened with. Other examples of bad debt include store card debt, home secured loans other than your mo (read full article) |
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| Category :: Personal Finance Articles |
Author :: DJ Nelson - |
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| Article Title :: Finance Your Child’s Education – Stress Free |
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| In 2002, the average annual cost for a public university was $9,338. It is estimated that by 2017, the average annual cost will be $19,413. And that’s just for tuition and credit fees. Let’s not forget about room and board, books, food, clothes and extra activities.
With those figures it mind, it would be wise to start planning for your child’s education today.
You already know about loans and scholarships but those aren’t the only options. You don’t have to go into debt! There are several choices to help you prepare for your child’s future.
529 Plans
A 529 or qualified tuition program is a (federal) tax-free investment plan t (read full article) |
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