 Category :: Personal Finance Articles |
Author :: Ida Byrd-Hill  |
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| Article Title :: Stop Planning for Future Retirement, Live Today In Style |
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| For the past 85 years, the financial services industry - banks, financial planning, insurance and stock brokerages have experienced double digit growth by cajoling frightening individuals by the prospects of poverty and lack during retirement. Everything from radio, televisions commercials and print ads projected the bleak prospects for retirement if individuals did not save and invest. Individuals born between 1912 to 1945, currently ages 60 to 93, responded to this marketing strategy as they experienced the pain of the Great Depression. The Great Depression caused the largest economic slump in industrialized nations ever. The Great Depression began in 1929 when the stock market (read full article) |
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| Category :: Personal Finance Articles |
Author :: Maureen Cook |
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| Article Title :: Debt: Self-Help or a Credit Lawyer? |
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| “Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and sixpence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds and sixpence, result misery”. Mr. Micawber's remarks on debt remain just as true today, perhaps more so with the explosion of credit cards, as they did when Dickens wrote them. We might, like Mr. Micawber, indulge in wishful thinking and try to convince ourselves that “something will turn up”.
In reality, though, we all know deep down that sooner or later debt problems have to be faced, the sooner the better. Nowadays we might not face debtors' prison for consumer debt, but we should not fool our (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cindy Morus |
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| Article Title :: Top 10+ Ways to Jumpstart your New Year's Finances! |
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| Of course, these don't have to be done in any particular order!
Just pick one or two that particularly apply to your situation. * Create your 2005 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access. Mp>* Set up a folder to collect all the important 2004 tax documents which will be arriving soon. Sure to arrive at your house are W-2s, 1099s, mortgage statements, etc. * Set up an appointment with your tax professional early so you get the appointment of your choice. This also gives you a deadline to get your information ready! If you’re self-employed, the next quarterl (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cheryl Johnson |
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| Article Title :: Save Money on your Clothing Budget - Tame the Closet Monster! |
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| When I decided to take control of my finances, reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn’t make life any easier.Children grow out of their clothing before we can get it home and hang it in the closet it seems. O.K., maybe that's an exaggeration, but not by much! It's just as likely that the item you bought today will not be worn next month due to fashion "issues." Taking this into consideration, it just doesn't make sense to throw away so much of our hard earned dollars on clothing expenses.It is also the reason that acquiring gently used and new items at budget saving resources is so satisfactory. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Fox Symes |
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| Article Title :: A Fresh Start for Family Finances in 2005 |
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| While 40% to 50% of us make New Year’s resolutions on January 1—a ritual that has existed since ancient times—approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It’s still not too late, however, to reset the trajectory on your family’s finances, experts note.1. Build a BudgetIf you haven’t already done so, create a realistic budget.Approximately 85% of your income should be set aside for necessities like housing, food, health care and clothing, according to the professionals at VISA USA.This leaves 15% for entertainment—and something many consumers completely neglect: savings.2. D (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cynthia Cooper |
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| Article Title :: Money Matters: Strengthen Your Marriage by Putting Finances in Order |
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| Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage. Having enough to spend, and to do the things each wants to do, is important to both parties. When couples are not able to do that, then other issues pop up in the relationship. When husband and wife are not on the same page as far as family finances go, other difficulties inevitably arise.Effective communication often emerges as the most difficult obstacle to establishing goals and expectations, and d (read full article) |
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| Category :: Personal Finance Articles |
Author :: Leo Quinn |
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| Article Title :: Organizing Your Finances - Thinking Outside the (Shoe) Box |
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| If you’re like most people, your personal financial records are most probably kept in less than “Good Accounting Practices” standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements – paid and unpaid alike – as well as a few tax forms, a stray paper clip and a penny. Anything from an old shoebox to a toolbox would do you for this method of personal financial tracking but you can do better than that.Not to worry. Here’s how:1) Plan for a few hours of “alone time” with your financial records. Thi (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robert Thatcher - |
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| Article Title :: Bankruptcy Lawyer: Your Final Solution When Running Out Of Options |
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| Before rushing to a lawyer to assist you in filing for bankruptcy, you have to make sure what is bankruptcy and what is not. Only then will you have to find a bankruptcy lawyer that you can work with in filing your case. Many people rush to file for bankruptcy thinking that it will solve their financial problems. The opposite is often true.
Declaring your business to be legally bankrupt, only mean that you have done everything you could and there is no way for recovery. It means being deep in debt that it will already be impossible for you to sustain the business.
There are kinds and variations to bankruptcy and the legal process will depend very much on where you (read full article) |
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| Category :: Personal Finance Articles |
Author :: Tim Renolds - |
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| Article Title :: Are You Faced With Out-Of-Control Expenses |
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| Perhaps you can relate to this scenario: The moment you thought you were back in the financial game of life, something else came along that smacked you back down into the land of money woes again. Was that an accurate scenario? For many people it is. Perhaps a tragic emergency or a once-in-a-lifetime opportunity came by and you had to pay more money than you expected to pay.
Whatever the situation, you were just clawing your way back to having control of your expenses when you pushed back down. Of course, the end result is debt!
How do you deal with that mounting debt? What can you do to solve it? There are many solutions and one of them is loans. We are going to sh (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jessica Mara |
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| Article Title :: Great Money Saving Tips |
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| Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out. Here are some examples:
When going to a restaurant:
· Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment (read full article) |
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