 Category :: Personal Finance Articles |
Author :: Finn Jensen  |
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| Article Title :: Is Your Money Safe With Online Banking? |
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| The total number of people who turn to the Internet for private banking isn't growing; but those who are already hooked on the service are using it more than they would the regular bank.A research firm, which interviewed 1,000 American adults for the study, found that many consumers were anxious that their personal data could either be stolen by hackers or sold to 3rd parties by the banks. Nearly 83 % of those who conduct banking online report such concerns, while 73 % of respondents said private data stealing are a problem that holds them back.The percentage of Americans who carry out personal banking actions online has stagnated at 39 percent in the 12 (read full article) |
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| Category :: Personal Finance Articles |
Author :: Lorna Mclaren |
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| Article Title :: Bad Credit First Time Home Buyers |
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| If you have a poor credit rating and want to buy your own home then you are one of thousands of people who are classed as bad credit first time home buyers. Fortunately, you are not alone as many people have acquired a bad credit rating through life circumstances and it is happening to more and more of us every day. Financial institutions used to refuse to offer loans to bad credit first time home buyers but that is rapidly changing, in your favor.There has been an explosion in the number of companies that are advertising home loans for bad credit first time home buyers. It is important not to be misled into thinking that you are getting the best interest rates on your first time h (read full article) |
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| Category :: Personal Finance Articles |
Author :: Joe Kahler |
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| Article Title :: Let's Get Started on Financial Planning |
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| This is the one we all do, right? We plan financially for our futures by investing, saving budgeting or all of the above. We deprive ourselves of that new car, new house, big boat, new motorcycle, new furniture, etc, etc, etc. We do all this because we’re good financial planners and we want to plan for that rainy day. Actually, financial planning is a smart idea. If done right, we may be able to plan for our financial future and still have a little fun today.Probably the most important step, and certainly the step you should take first, is to figure out how much you can afford to spend. If you haven't set up a budget that shows you how much you're spending on everyday things (read full article) |
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| Category :: Personal Finance Articles |
Author :: Stephen Todd |
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| Article Title :: Pensions Management - Did Your Pension Return 20% Plus Last Year? |
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| In terms of pensions management, your location in the world doesn’t matter, nor does the type of pension you have - a sipps, a self-invested personal scheme, or a self-administered scheme.What you are interested in is that when you become a pensioner, your pension’s management has performed to provide you with a comfortable retirement and does not give you a short fall on your expected cash!Is a 20% Return Realistic with Low Risk?Here we want to look at how a + 20% annual return is achievable and drawdowns can be kept to manageable levels.Pensions Management ReturnsFirstly, the best way to trade the markets is without emotion and this means using a t (read full article) |
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| Category :: Personal Finance Articles |
Author :: Lois Center-Shabazz |
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| Article Title :: Teach Your Teens About Credit and Reports |
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| We are failing our children in one of the most important areas
of life. But, if more parents and schools understood the
significance of credit reports and early credit education, that
could be fixed. The credit failures and bankruptcy rates in the
United States would decrease dramatically.After speaking to a group of college students last year I ask the question, "How many of you have checked your credit report?" No one raised his or her hand. Then I asked how many of you know what a credit report is? No one raised his or her hand. Then, after a moment of silence one student ask, "Does it have to do with things you charge?" I said, "Yes, you are on the right track."Then I ask, (read full article) |
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| Category :: Personal Finance Articles |
Author :: Lance Winslow |
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| Article Title :: What if Personal Finances Were a Family Priority |
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| What if kids did not start out from an early age saying; “I want?” What if parents at the grocery stores never gave into children who said; “I want Trix,” “Give me Tony The Tiger” or “I want chocolate Pop Tarts?” What if we did not train our kids to make a fuss every time they wanted something, what if we never gave into to such behavior?What if Americans saved more of their paychecks in greater percentages like the Japanese consumers? What if the average person did not have 3.2 credit cards? What if the average consumer did not have 1.68 times their annual income in short-term debt? What if interest rates on credit cards were less?What if the standard of liv (read full article) |
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| Category :: Personal Finance Articles |
Author :: Carol A Hill |
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| Article Title :: Personal Budgeting Is A Tool For Financial Survival |
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| Thousands of wage earners and single business owners live on borrowed money until a drastic change in earnings forces them into a downward spiral of mounting debts and missed payments that budgeting wisely could have prevented in the first place. Getting out of debt is not easy but it can be done by consolidating credit card payments into one payment and only using it for extreme emergencies freeing up some much needed cash.Fixed ExpensesFixed expenses are subtracted monthly from the net deposit such as: a mortgage payment or rent, auto insurance, cable or satellite dish network, a newspaper, a loan or one credit card payment, an automobile payment, internet services If at (read full article) |
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| Category :: Personal Finance Articles |
Author :: Larry Holmes |
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| Article Title :: An Overrated Tax Strategy: The Home Mortgage Interest Deduction |
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| The mortgage interest deduction just might be the most overrated tax saving strategy there is, and yet it is considered by many to be a primary reason for home ownership.Look, I present financial seminars for thousands of people every year. During breaks people will invariably come up to me and ask me questions about their personal financial situation. I tell them to do five basic things…Get out of debt and stay out of debt.Save 3-6 months of expenses for emergencies and emergencies only.Use the envelope budgeting system. It's the best budgeting system ever developed.Open a Roth IRA so that you can have tax-fre (read full article) |
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| Category :: Personal Finance Articles |
Author :: Robert Landis |
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| Article Title :: How To Save money On Your Holiday Gift Shopping |
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| With the rising costs of gasoline and heating oil, as well as rising interest rate charges, saving money is at the top of everyone’s wish list this holiday season. Here are some tips on getting the most out of your gift shopping dollars this holiday season:1. Set a budget. This seems like a simple step, but many people fail to do this before starting their holiday shopping. Figure the total amount you can afford to spend on gifts and then divide that number by the total number of people on your list. This gives you the average amount that you should spend on each person. One idea is to spend a little more than the average amount on your immediate family members and a little less (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kathryn Weber |
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| Article Title :: Financial Feng Shui |
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| Money is on most everyone’s mind. A couple of years ago, a man cashed in on a large load of options and became a millionaire in one day. He explained how he never realized how much he thought about money every day until he had enough that he would never have to worry about it again. Now he says he gets all kinds of work done and has had a burden lifted that he had never known how much he suffered under!This story illustrates a common theme for many people because many people are under the yoke of money. Maybe even you worry about it, think about it, ponder over it, avoid it by ignoring the last three month’s of checking account statements and not bringing your balance up to (read full article) |
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