 Category :: Personal Finance Articles |
Author :: Charles Essmeier  |
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| Article Title :: Debt Management - Watch Out for Bank Fees! |
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| During the last twenty years, banks have offered a number of improvements in the area of being customer-friendly. The old 9 AM – 2 PM “banker’s hours” are gone, replaced by a schedule that makes it easy for most people to visit when the bank is open. Automatic teller machines are ubiquitous, making it easier to obtain cash even when the banks are closed. And the debit card has made it easier than ever to pay for an item – you don’t even have to write a check anymore. Such conveniences come with a price, however, and banks are charging additional fees for all sorts of services. Some of them can be quite steep, and consumers should watch how they manage the money they have (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 :: Rachel Lane |
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| Article Title :: Knowing Me, Knowing You: Why ID Protection Plans Are Flawed For Fraud |
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| ID theft is a major consumer concern, though there is apparently much confusion about proactive protection initiatives and apparently safe and unsafe spending behaviour. For example, many consumers remain reluctant about shopping online, but they may still give out personal details over the phone in a cold call, or they may have redundant or dormant accounts and financial products which are susceptible to fraud.If reducing fraud vulnerability wasn’t sufficiently difficult already, consumers are now being offered anti-ID theft services and ID protection insurance by banks, insurance companies and credit reference agencies. There is considerable debate around such policies (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles Essmeier |
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| Article Title :: Credit Card Debt - Watch Your Credit Report and Your Bill |
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| Most consumers are aware of the importance of their credit report. This document, offered to consumers and lenders by the three major credit bureaus, offers a fairly complete list of financial transactions and debts incurred by a consumer. Lenders examine the report, along with the associated FICO score, to determine whether a consumer is worthy of receiving additional credit or loans. What many consumers may not know is that credit card companies regularly check their credit reports, and unfavorable entries may result in a higher interest rate on their credit cards.We have previously noted that many credit card companies employ something known as a “universal default clause (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 :: kleino |
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| Article Title :: IRA Distribution Mistakes--How to Blow your Retirement Money |
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| With the population aging and over 4000 people a day being forced to take IRA distributions (such distributions are mandatory by April 1 after reaching age 70 1/2), mistakes in taking IRA distributions can total in the billions. Yet, because people have had no prior experience, mistakes are rampant. Here are 4 common IRA distribution mistakes to avoid.
IRA Distribution Mistake #1
Every IRA owner can name a beneficiary and "stretch" the IRA for maximum tax deferral over the next generation.
Informed IRA owners believe that the following will occur with retirement assets they do not use during their lifetime. Say they leave $500,000 of retirement assets to heirs. They (read full article) |
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| Category :: Personal Finance Articles |
Author :: kleino |
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| Article Title :: Retiring or leaving the company--How to Properly do an IRA Rollover |
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| Retiring or leaving the company--How to Properly do an IRA Rollover
Whether you are retiring or changing jobs, you need to know what to do with your employer sponsored retirement plan before your leave. Once you leave a job for whatever reason, you can choose to:
•Rollover the money into an IRA (ira rollover)
•Take the lump sum and pay the income tax and potential penalties
•Leave the money at the company if the company offers that as an option
•Rollover the money into your new employer's plan, if that plan accepts rollovers
Realize that the above are options offered by IRS. However, your employer's rules may be more restrictive and (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jason M Rigler |
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| Article Title :: If I Had a Structured Settlement, I Could Use It to Pay for Gas |
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| Has anyone been to the gas pumps lately? Soon $3 a gallon will be the asking price and we’ll either have to become cyclists or create some additional income. I plan to do both of course because you can balance thrift and greed pretty well as you ride your bike to work.I only live a few miles from my place of employment so riding my bike there is no big deal. I’ve already made a few practice runs, time and safest route. The problem is I live in S. Florida. And you can’t stand still and not break into a sweat let alone pedal for 25 minutes.But I’ll find a way. Whatever it takes. As for the additional income side of the equation, I happen to know of a lucrative li (read full article) |
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| Category :: Personal Finance Articles |
Author :: Codi Morieta - |
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| Article Title :: Personal Finance Is Your Responsibility |
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| Whether or not you choose to ignore it, you cannot deny the truth embedded in this statement: Your personal finance is and always will be your responsibility.
When it comes to finance, many people put an impractical blind eye to the fact that finances need to be managed. Personal finance is an ever-growing popular term for adults and teenagers alike, regardless of whether you are earning the money or not. After-all bills have to be paid, family members have to be fed and your lifestyle has to be maintained.
The biggest and most neglected step for many families is teaching their teens how to manage their money. Teenage finance is about educating teens on the value of (read full article) |
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| Category :: Personal Finance Articles |
Author :: Vincent Murphy - |
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| Article Title :: Building Residual Income |
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| What is a residual income?
Residual income is a type of income that’s lasting. It means you don’t have to work all your life to earn money, with little effort; you can sit in the comfort of your own home and earn money.
The internet is one of the fastest growing markets for different kinds of businesses. Imagine you can target customers from almost anywhere in the world. There are also a lot of payment options online. No matter what country you are from there is always an opportunity for you.
Here are some ideas you can do to generate a good paying site.
1. Create ebooks. You can get more profits if you publish it yourself. However there are (read full article) |
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