 Category :: Personal Finance Articles |
Author :: blueboy  |
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| Article Title :: Learning The Value Of Money |
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| This article describes how my father taught me the value of money and at the same time also showed me how to reach and attain the goals I had in my life.
I have a friend called Peter and for his seventeenth birthday his parents bought him a very impressive car which would have cost them around £2000. He was very happy and showed off this car to all of his friends including myself. At this stage he was unable to even drive, however it was still a great present to receive.
Peter lived a couple of doors away from me and I showed my father the car and stated that I would love a car for my seventeenth birthday which was only three weeks away. He responded with words l (read full article) |
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| Category :: Personal Finance Articles |
Author :: Dave Lympany |
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| Article Title :: Saving For Post Secondary Education |
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| Post secondary education is very expensive in North America and unless you are fairly wealthy will be a worry for most parents. Obviously, not all kids go onto University or College but if they do and you havenÂ’t planned for it you could find yourself with a large financial burden. This would probably happen just when most families are looking at finally having some financial security
A Registered Education Savings Plan - RESP - is vital for your financial health if you have kids who you feel may want to go into post secondary education. An RESP is government sponsored (Registered with Canada Customs and Revenue Agency) and is allowed to grow tax free. Money paid from the p (read full article) |
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| Category :: Personal Finance Articles |
Author :: Paul |
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| Article Title :: A Brief Guide When Shopping For Personal Loans |
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| Sometimes you need extra money for unexpected expenses like car repairs, unexpected bills, health expenses, school expenses, or a myriad of other reasons. Where do you go to get money for these unplanned expenses? Personal loans are available from many different companies and lenders for consumers today whether you have good or bad credit.
Your first place to try to get a personal loan is from a bank or credit union. Many times, they can offer you a loan based on your credit record. Personal loans from a bank or credit union usually do not have collateral attached to them and they are loans based on your name and credit record. Banks and credit unions are a great place to go for (read full article) |
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| Category :: Personal Finance Articles |
Author :: Murad Ali |
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| Article Title :: 2006 Economy: How to Avoid Overextending Yourself |
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| The U.S. is the worldÂ’s largest economy and is moving into its fifth year of expansion. The biggest risk is the housing market which is expected to slow this year and potentially drag the economy down with it. Many people are betting that the housing market will avoid a major crash but instead will plateau leaving prices stagnant. The resulting rise in interest rates could put a lot of families under financial stress.
A housing market that is not growing quickly turns into a buyerÂ’s market. People will have a number of houses to choose from which will block any increasing value for current home owners. To most home owners this will not be a problem because they have conv (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles J. Phelan |
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| Article Title :: Credit Counseling -- Why It Doesn't Work For Most Debtors |
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| "Cut Your Payments in Half!" the headline screams. "Consolidate Your Bills into One Low Monthly Payment!"
When you see ads like this, they are often from Credit Counseling firms. In this article, I'll explain the principles behind the Credit Counseling approach and discuss the main problem consumers face when they join one of these programs.
First, let's get our definitions straight. The term "Credit Counseling" is actually quite misleading, since it has nothing to do with preserving or improving your credit score. In fact, Credit Counseling will often damage your credit, an unpleasant reality that is sometimes downplayed by industry representatives.
Cr (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles J. Phelan |
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| Article Title :: Debt Settlement -- Why the Critics Are Wrong |
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| A lot more people are becoming interested in debt settlement as an alternative to bankruptcy. That's because a new bankruptcy law was enacted on October 17, 2005, which means a rude awakening for many consumers seeking a fresh start in bankruptcy court.
It used to be that 7 out of 10 people filing personal bankruptcy were granted Chapter 7 status, where the unsecured debts are totally wiped away. That has changed under the new rules. If your income is above the median for your state, or you can pay back at least $100 per month toward your debts, then you'll be turned down for Chapter 7. Instead, you'll be shifted into Chapter 13, where you pay back a portion of the debt over 3-5 (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles J. Phelan |
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| Article Title :: Budgeting: The Critical Flaw That Causes Most Budgets to Fail |
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| Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly budget? The truth is that most of us start out with the best of intentions, but an unexpected expense comes up and busts our budget. Then we give up and go back to juggling our finances and worrying about having too much month left at the end of the money. However, if you are striving to create a budget for the purpose of systematically paying off your debts or to start a savings and investment program, then it's critical to develop a workable and realistic budget.
So what's the problem? Why do most of us fail at the simple task of (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles J. Phelan |
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| Article Title :: When Debt Collectors Cross the Line – Bogus Threats & Illegal Collection Tactics |
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| If you are behind on your bills and on the receiving end of collection phone calls, you will probably hear collectors make some very threatening statements. While most debt collection professionals try to stay within the boundaries defined by the Federal Fair Debt Collection Practices Act (FDCPA), many others cross the line on a regular basis. In 2004, the Federal Trade Commission (www.ftc.gov) received more than 58,000 complaints about debt collectors, a figure which represents 17% of the total number of complaints received all year. Consumers complain about the collection industry more than most other industries combined.
Collection professionals would probably respond that th (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles J. Phelan |
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| Article Title :: How to Quickly Improve Your Credit Score by Adding Positive Payment History to Your Credit Report |
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| Most consumers are aware that negative items on their credit report can be disputed with the three major credit reporting bureaus. Often, this process can lead to a significant improvement in credit score through deletion of the damaging items that were lowering the score.
However, to achieve excellent credit, it's not enough to just remove negative entries. Why? Because a lack of positive payment history is also an obstacle to having good credit. You need to demonstrate a record of on-time payments in order to raise your credit score.
In this article I will describe two simple techniques for rapidly ADDING good credit entries to your file.
THE CO-SIGNE (read full article) |
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| Category :: Personal Finance Articles |
Author :: mansi gupta |
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| Article Title :: Money managing basics |
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| Human beings are scaling new heights in almost all the spheres of life. The work that used to consume good amount of time earlier can now be comfortably finished within a few seconds. There are several parameters to evaluate human progress, money management through software being one amongst these.
The software has more than a dozen advantages. The easy and instant record maintenance of the cash inflow and outflow, error free, user friendly, and convenient to operate even for those who have petite knowledge of accounts etc. to name a few. Keeping the innumerable merits and significance of money management software in todayÂ’s lives, there are different packages available in (read full article) |
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