Category :: Personal Finance Articles |
Author :: Jan Verhoeff  |
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| Article Title :: Financial Planner: Essential Funds |
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| Setting goals for retirement initializes the need for financial planning for most adults. However, retirement is not the only reason you need to set aside funds for the future. Throughout life, there are necessary reasons to have funds set back and waiting, as well as investments that continually grow in value.A few of these reasons for needing money set back early in your life might include:• Your own education.• Purchase of your first home.• Travel experience.• Relocation for first job.• Career definement (often required prior to starting an actual career).• Marriage• Family needs• Transportation• P (read full article) |
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Category :: Personal Finance Articles |
Author :: Larry Potter  |
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| Article Title :: What is Index Trading? |
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| Almost everyone has heard about index trading but fewer than 5% of personal traders actually do it. One of the most heavily traded indexes is our very own S&P 500 and it trades hundreds of thousands of contracts every day.As you know every stock fits somehow into a
sector. For instance DELL is in the overall tech sector, WorldCom is in the Telecom sector etc., inside of every sector is a handful of companies that make, produce, or service something that we can classify. So with Dell, and Gateway and Compaq all in the overall umbrella of technology, they are further boiled down into box makers or in other words computer manufacturers. Well there is an index for the box makers! In (read full article) |
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Category :: Personal Finance Articles |
Author :: Larry Potter  |
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| Article Title :: Take Home The Money |
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| For short term trading, not much beats momentum, where a stock is on fire and we simply hop on for a short ride and jump back off. This is the life blood of short term holds whether it be a pre-earnings run, a split run, or a news driven pure momentum play. One of the biggest faults that can be made in this game is hanging on too long.One often hears the phrase "I was up on ABC but now I’m down". The first question should be "why didn’t you sell when you were up?" The range of answers varies, but most often the answer is something like this "I was sure it would go higher, so I kept it. Then when it started to fade I figured it would just be temporary and it would run back up (read full article) |
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Category :: Personal Finance Articles |
Author :: Al Garner  |
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| Article Title :: Plan for the Senior Years |
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| One doesn’t have to look far to find seniors in deplorable conditions. The later years for you or your loved ones arrive sooner than expected - especially if those close to you could let you down. All the more reason to:Plan A will, trust?, power of attorney for finance, living will, Medicare supplemental insurance, long term care insurance [both ridiculously complex], final arrangements and possibly a final move [70% of seniors spend the rest of their lives in the place they turned 65].Reasons for moving Be near children [70% of those over 65 live within an hour of a child], cost of living, climate, assets tied up in house, house and yard are too much work, nei (read full article) |
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Category :: Personal Finance Articles |
Author :: Ellen Ferlazzo  |
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| Article Title :: Menu Planning: The Key to Food Savings |
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| Menu IdeasSometimes the hardest thing about eating at home every night is deciding what to cook for dinner! Here are some sample menus to stir your imagination. You might make your own list of favorite combinations so when you're brain-dead but need to plan anyway, you can choose menus you know your family liked. When I started out, I found it very helpful to plan my week's worth of meals and make the grocery list from that. I learned to reserve one night for experiments or leftovers or just emergency "pantry" dinners when you're in a hurry. I still find my busy weeks go much smoother when I have a list of meals I'm going to make, but I don't assign a day to any of them. I j (read full article) |
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Category :: Personal Finance Articles |
Author :: Jeannette Maw  |
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| Article Title :: Are You Making These 5 Money Mistakes? |
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| Lots of people want more financial prosperity in their lives. And yet most continually sabotage that desire without realizing it! Be aware of these five big money mistakes we make in attracting & allowing more of it into our lives:1 - Worrying about money. If you're familiar with the law of attraction, you know you get what you worry about. Worry about money, and you'll get more to worry about! This is the numero uno culprit to being financially strapped for most people. (And trust me, it is work to be financially strapped!)2 - Perpetuating unsupportive beliefs. Do you believe or have you said any of the following?: It takes money to make money; Money do (read full article) |
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Category :: Personal Finance Articles |
Author :: Jeff Lakie  |
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| Article Title :: Banking Made Easy |
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| There are many ways in which banking has become simpler and less costly. Offers for free checking has revolutionized the banking we all knew from days gone by. When you consider how your monetary savings being in the bank actually supports the banking institution it really doesn't make sense they could charge you in the first place. If you are still paying a monthly fee to utilize banking privileges then you are at the wrong bank.There should be overhead in the banking world, there is in any business. Paperwork and customer service work in general has to be costly to any business. Services performed by individual employees should be polite and cordial, prompt and thorough also. Hou (read full article) |
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Category :: Personal Finance Articles |
Author :: Jeff Lakie  |
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| Article Title :: Banking Smart |
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| Online banking has virtually become the normal way of banking for the younger generations of bank users. So has the debit card fast become an important part of a new generation.Writing checks and paying bills are not the most fun a private citizen can have but knowing the process will be completed with no real reason for concern is a wonderful thing most people take for granted. Just another sign your bank is doing its job carefully and properly. However online banking makes that process so much easier for you. If you have forgotten to write the amount of a check in the registry you wont have to wait for the arrival of the bank statement in the mail to get your registry up to date. (read full article) |
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Category :: Personal Finance Articles |
Author :: Nathan Dawson  |
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| Article Title :: Managing Your Finances Once Married |
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| It’s important to plan for your financial future beforehand so you have idea of what to expect. Once you get married, most newlyweds’ open a joint checking/saving accountsBelow is a list of 4 easy steps to take when determining your financial future.Step 1-Determine your net worthNet worth is the difference between assets and liabilities. Make a list to figure out your net worth, make a list of all the things that you own and assign approximate values to each one. Then make a list of all your debts. Subtract these two numbers and you will have your net worth.Step 2- Family accountingYou will need to decide who is going to manage your accounting. Is o (read full article) |
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Category :: Personal Finance Articles |
Author :: Nathan Dawson  |
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| Article Title :: How to Make a Budget |
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| Starting out as a married couple often means going through some tight times. In this case, it may be a good idea to create a good budget that works. It is actually very simple to do, even simpler if you have a joint bank account.In fact, if you sit down to make a budget before the actual marriage preparations begin, you will likely succeed in lowering your wedding cost. More importantly, you will establish good communication with your spouse along with a realistic money management plan.Creating a budget is actually very simple:1. Gather all your records of expenditures (checkbook, credit card statement, etc).2. Open a spreadsheet or graph and assign a category (read full article) |
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