 Category :: Personal Finance Articles |
Author :: Al Thomas  |
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| Article Title :: Senior Insecurity |
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| Many millions of senior citizens and others have most if not all of their retirement portfolios in interest bearing certificates of some kind. Many have Treasury Bills, Certificates of Deposit, Government National Mortgage certificates, Money Market accounts, AAA corporate bonds and more. They have these because they are considered safe and secure and most don't fluctuate in value.Most were bought some time ago and many are coming to maturity or are being called. When a bond, that's what they all are, matures or is called (meaning the debtor wants to pay it off sooner than the maturity date) it is paid off by the debtor to the creditor, the one who bought the bond originally. Now t (read full article) |
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| Category :: Personal Finance Articles |
Author :: Toni Phelps |
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| Article Title :: Give Yourself A Pay Raise by Reducing Bills |
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| There's something peculiar about having spare money... it burns a whole in our pockets and we can't wait to spend it on something, and often it's on something we simply don't need. We merely desire it. But when times are bad, it's a burden to continue paying those bills.
Here are the Top 7 tips to reduce unnecessary bills:
1) There's no roam at home. Do you really need a cell phone? If so, it's doubtful you need the fancy ringtones you've been downloading for 99 cents a pop. Itemize your cell phone bill, and see what you can eliminate and where you've been wasting money. If you pay per call, use your cell phone only for dire situations, not for idle chit-chat.
(read full article) |
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| Category :: Personal Finance Articles |
Author :: Rick Munster |
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| Article Title :: Money Management Skills - Ten Holiday Spending Tips |
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| It’s getting near the time of year again where thousands upon thousands of consumers will be flocking to retail stores for holiday gift items or to find those once a year sales we just can’t seem to resist. Here are a few tips to help you spend within your means and avoid the post holiday spending blues.If you haven’t started saving for your purchases start now.Build a list of people to buy for and stick to it.Set predetermined spending amounts that are within your budget.Avoid charging on credit at all costs; if something needs to be purchased on plastic make sure you can pay off the full amount within 30 days.Avoid impulse buying, shop around; th (read full article) |
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| Category :: Personal Finance Articles |
Author :: Nathan Dawson |
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| Article Title :: Learning To Save Money |
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| Everybody wants to save money, but most people think it is too difficult and their lifestyle requires them to spend what they are currently spending. However, there are many small changes you can make that do not adversely affect your lifestyle and will save you a great deal of money throughout the year.One really good suggestion that can save a significant amount of money throughout the year that does not require a lot of effort is packing a bag lunch every day before you go to work. There are two benefits to doing this, which include saving money and better eating habits. When people eat out for lunch on a daily basis they generally spend at least $5 a day, if not more. If $5 is (read full article) |
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| Category :: Personal Finance Articles |
Author :: Nathan Dawson |
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| Article Title :: 5 Ways To Reduce Bill Payment Anxiety |
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| One repeated source of financial stress and anxiety for many people is the monthly payment of their bills. A friend of mine refers to his monthly dilemma as having too much month at the end of his money. I also know couples that refer to bill paying days as fight night because of the tension and strain it can add to a relationship. As it turns out, most of the anxiety associated with paying your bills is primarily a result of being reactive instead of prepared for your incoming bills. Developing a process or system to organize and pay your bills can actually be pretty simple if youre realistic about what you hope to accomplish and allow yourself the appropriate time to get comfortable usi (read full article) |
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| Category :: Personal Finance Articles |
Author :: Charles Kassotis |
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| Article Title :: Saving Money for College |
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| Even if college is years ahead for your son or daughter, or if you aren’t sure whether you plan to go on for university study following high school or community college, it never hurts to set aside savings that can be used for this worthwhile plan when the time comes. College costs continue to rise each year, with some institutions increasing tuition rates by five percent or more. It’s a good idea to start saving now so your money can compound at a decent rate and bring in a profitable return for future studies.1. Start a savings plan. Have an affordable sum deducted from your paycheck and placed directly into a savings account. Forget about the money except occasionally to che (read full article) |
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| Category :: Personal Finance Articles |
Author :: Vince Barnes |
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| Article Title :: Using Your Banks Money To Grow Your Own |
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| You’ve just bought your house in Spain and because you got such a good deal you now find you have money in the bank. It isn’t a huge amount but with your pension taking care of daily business you decide you want to invest the money. Lets say you have $20,000 to invest.How do you get the best returns on your money?Clearly you could put it into a high risk fund and hope for the best. A good fund will give you a return of about 15-20%.But what if you could get a similar return by investing in safe government bonds at a mere 5% return. Impossible I hear you cry because the very nature of these bonds means you will be lucky to get 5%. And you may be right. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Ian Anderson |
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| Article Title :: Bankruptcy Attorney: Questions To Ask |
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| If you have tried every way imaginable to avoid bankruptcy but find that you have no other way out of the situation, the first step you should take before filing is to consult with a bankruptcy attorney. A bankruptcy attorney can be hired or appointed by the court systems to help you through the court proceedings. If you decide to select your own attorney, make sure to select someone with previous experience in bankruptcy law, preferably someone who works specifically with bankruptcy.
No matter which bankruptcy attorney you select, you should always be prepared to ask the attorney questions regarding your own case. Here is a list of questions you should always ask your attorney (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kathryn Marion |
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| Article Title :: Go for the 'Reversible Decision' - A Great Way to Leave Financial Regret Behind! |
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| If you’re just fresh out of school, you may or may not have had the ‘privilege’ yet of regretting some of your financial decisions. But the time is coming for everyone—it just seems to go with the territory of growing up and living on your own. One of my goals as the president of Education for Reality™ is to help you Sidestep the School of Hard Knocks™. What that means is that I want to do whatever I can to help you avoid that horrible feeling of regret over past decisions—it can bring you down in so many ways and, in really bad cases, even make you ill. I’ve said it in the past (in our Dose of Reality™ e-newsletter) and I’ll say it again…you only get to spend each d (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kathryn Marion |
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| Article Title :: Automated Finances: Time Saver or Disaster? |
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| Many banks and utilities offer to automatically charge your checking account or a credit card with the balance due each month. This can be a great time saver and even save you money on stamps, checks, and check fees.Because the payments are made automatically, they’re never late, so you build a good payment history with no effort. But automated finances can offer their share of headaches, too, and you should consider these before starting to fill out all the paperwork needed to set up automatic payments.First, unless your bank or utility company is experienced in setting up automatic payments or automatic drafts (withdrawals), you could spend a couple days on the phone wit (read full article) |
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