 Category :: Personal Finance Articles |
Author :: Kevin Hart  |
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| Article Title :: The Credit Union |
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| Credit Unions are not for profit institutions. They are mutual, co-operative societies which are governed by a volunteer Board of directors elected each year from the membership. Irrespective of how much you have in savings you are only entitled to one vote at the AGM. You must become a full member of a Credit Union in order to save with itHow does a Credit Union differ from traditional financial institutions like banks and building societies? The main difference is that members actually own the credit union of which they are a member. It is a co-operative institution and as such it is able to set its own interest rates. The ability to set its own rate often results in a higher div (read full article) |
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| Category :: Personal Finance Articles |
Author :: Judith Kirk |
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| Article Title :: Debt-Free Living - Personal Responsibility Program |
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| - Tips to control your finances and live abundantly -The simple solution of getting out of debt and staying out of debt is to spend less than you earn. Through the Personal Responsibility Program you will learn how to take control of your finances. Financial stability is about understanding your core values, making wise choices and changing behaviors. Want to learn more about PRP? Contact me and we can discuss what you need to do to organize your finances and live debt-free.1. Balance your checkbook each month. I am amazed at how many of my clients fail to balance their checkbook. This is irresponsible and a bury-your-head-in-the-sand attitude. Do you honestly believe the b (read full article) |
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| Category :: Personal Finance Articles |
Author :: Janice Wee |
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| Article Title :: How to Live the Good Life Without Cash or a Card |
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| You don't need much cash on hand to lead a good life. I'm not talking about credit cards. If you are a resident in U.S.A., you can live well without having a big salary or load of cash in the bank. Ok, you can live comfortably if you know how, and have internet access.
You can have your heating bills paid for, which would keep you warm. You can even own gorgeous designer handbags. You can dine at fancy restaurants and get paid to live the good life.
How is that possible?
By mystery shopping. You'll find where you can do just that in the resource box. Let's start with the really cool part about eating at fine restaurants and getting paid for it.
(read full article) |
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| Category :: Personal Finance Articles |
Author :: Pro Content |
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| Article Title :: Why You Should Care At All About Choosing A Bank And What To Watch Out For... |
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| People quite often make decisions impulsively, without considering the consequences. This may work okay in some situations but it could come back to bite you when dealing with financial topics like investments, financing, refinancing, insurance and mortgages. To be a wise investor we should take some time to consider and know more about the place where we are going to deposit our money.
A very wide array of banks exist. Just to name a few that you'll probably recognize; Citizen Bank, Well Fargo Bank, Region Bank and Scotia Banks.
Here are some guidelines to consider before choosing a bank:
1. Location: While choosing a bank, you must consider the locat (read full article) |
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| Category :: Personal Finance Articles |
Author :: Taffy Wagner |
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| Article Title :: 15 Ways An Average Person Can Overcome Increasing and Overwhelming Debt |
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| Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, weekly and/or monthly and aid you in reducing expenses where needed.1) Accept the fact you are in debt and forgive yourself. If you are in denial, you are more likely to repeat the pattern.2) Reduce monthly expenditures. For example, once the price of gas increased, our monthly gas costs went from roughly $200 to approximately $450- 500.00. In an effort to reduce our gas costs, I stopped taking miniature trips every day. Also, my husband would drive my car on the weekends because it costs less in gas.3) If you’re (read full article) |
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| Category :: Personal Finance Articles |
Author :: Lawrence Groves |
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| Article Title :: ROTH 401(k)'s... A Wolf in Sheep's Clothing |
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| Roth 401 (k) Overview:On January 1, 2006, employees can choose to make their 401(k) contributions on either a pre-tax or an after-tax basis or a combination of the two. The contribution limits which apply to these 401(k) contributions made in 2006 (whether made pre-tax or after-tax or both) are:1. $15,000 under the basic limit, plus,
2. $5,000 additionally for employees who are age 50 or older.•The employer remains responsible for withholding federal income tax (and state and local income tax, where applicable) and any applicable payroll taxes on the after-tax portion of each employee's 401(k) contribution.*While no federal (or state or local, wh (read full article) |
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| Category :: Personal Finance Articles |
Author :: Randy Smith |
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| Article Title :: Gifts on a Budget |
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| Unique, inexpensive Gift
We've all been there...
We really want to impress that special someone with a
fabulous gift that they'll treasure forever.Unfortunately ... the bank balance forces use to look
around the bargain stalls, ...
Now lets be honest - it's a rare occasion that the bargain
stalls produce a 'wow' factor "I'll treasure it forever"
type of gift.So what's the alternative?
How do we find something that'll be valued, cherished and
appreciated?... that'll make that special someone feel as
though we put so much effort and thought into their gift
that they'll almost shed a tear!
A gift where the cost is (read full article) |
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| Category :: Personal Finance Articles |
Author :: Michael Lever |
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| Article Title :: 7 Instant Ways to Save Anywhere Online |
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| Online shopping is convenient and fun, but did you ever shop for something only to find that the products were not that cheap once you include shipping costs? Or worse, you find the same product cheaper elsewhere after you've already paid for it?Here are 7 quick ways that will save you money when shopping with online merchants. I've listed the pros and cons of each.#1) Play hard to get. Instead of checking out your cart, try to leave the site. Often the merchant will present you with a popup or send you an email offering you discounts through vouchers or coupon codes. Pros: savings up to approximately 20%. Cons: you may need to add your item to the cart again.#2) Nego (read full article) |
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| Category :: Personal Finance Articles |
Author :: Tim Paul |
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| Article Title :: Creative Home Equity Strategies for Retirement |
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| The Baby-Boom generation is nearing retirement and it is clear that millions of aging Boomers are financially under prepared. Reasons are many - poor savings habits, rising medical costs, the demise of guaranteed corporate pensions, and the dreaded squeeze faced by many: i.e. having to pay college costs for their children, care for their elderly parents, and save for retirement, all at the same time.The outlook is not entirely bleak, however. One bright spot that may help Baby-Boomers achieve secure a retirement is the record high-level of home ownership and the related growth in home equity. Home equity, the difference between debt owed on a home loan and the value of a home, acco (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kathryn Marion |
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| Article Title :: 'Budget' is a Four-Letter Word - Create a Spending Plan You Can Live With |
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| 'Budget' is a four-letter word when it comes to your personal finances, but face it--if you don't decide ahead of time what's most important to you, it's easier than pie to slip into that nearly-impossible-to-break habit of living bigger than your paycheck. Use these tips to get started on creating a roadmap toward your financial success!Before you can set a budget, or spending plan, that you can live with, you need to look at where you’re starting. Are you already ‘out in the real world’ living on your own, or are you still living at home or on campus? If you’re already living on your own, you have a headstart in the sense that you know what the costs for a variety of thin (read full article) |
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