 Category :: Personal Finance Articles |
Author :: Stephen Nelson  |
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| Article Title :: When Quicken Doesn't Balance |
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| After you’ve been using Quicken for while and have been balancing your account regularly, you will only irregularly have trouble reconciling it. However, if you are just getting started, you may have trouble getting your Quicken account to balance. For that reason, let me offer some suggestions for balancing a Quicken account that’s causing you trouble.Check for missing transactionsAccount balance trouble stems from only three causes:
Reason 1: You cleared a transaction the bank hasn’t recordedReason 2: You forgot to record a transaction, or perhaps several transactionsReason 3: Either you or your bank incorrectly recorded a transactionTher (read full article) |
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| Category :: Personal Finance Articles |
Author :: David Keegan |
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| Article Title :: College Funding 101 |
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| You have a child who is approaching college age and now you have to face what you’ve been trying to avoid for years: how to pay for that college education! Most parents remember when college tuition, room and board could be had for under $5,000 per year. Now, the price of many private institutions hovers at (or above) $30,000 per year. Multiply that times four years and we’re talking about a home mortgage rather than an education! Before you are tempted to send your son or daughter straight to the work world, there are some basics of financing a college education that you need to understand.According to the Higher Education Act of 1965, which is the law that governs studen (read full article) |
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| Category :: Personal Finance Articles |
Author :: Casey Smith |
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| Article Title :: Can I Afford to Buy a House? |
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| Many people wonder if they can really afford to fulfill their dream of owning their own home, or how much of a home they could afford. They wonder what a lender will look at in deciding how much of a mortgage they can get. If this is what you are asking, here are a few things to consider:1. First, a lender will look at how much of your monthly income before taxes is going into paying off debts. Frequently, they will use the 33/38 ratio. This sounds confusing but let me break it up simply: 33% of your income can go into housing costs (mortgage, insurance, taxes, etc) and 38% of your income can go into your regular consumer debts (loans, credit cards, car payments,etc.) Guidelines ma (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kathryn Marion |
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| Article Title :: Cash, Check, or Plastic: What's Best for You? |
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| Which form of payment you should use for a purchase depends at least as much on your level of discipline as on your level of income—and don’t forget about security.Use cash for small purchases, when you’re in a hurry, and if you won’t mind not having a record of the purchase in a bank or credit card statement. You have to feel comfortable carrying cash, too. Many people won’t for safety reasons—flashing a wad of bills in a store could make you a target in the parking lot. On the other hand, many people concerned about identity theft or those recovering from a bankruptcy choose to use cash exclusively.Use a check if you need a record of the purchase (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cathy Gariety |
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| Article Title :: Crisis Money Management |
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| Unemployment is on the rise. Companies are downsizing or closing altogether. Not having enough money for expenses nears the top of life's most stressful situations. Deciding which bill to pay first can be daunting because it's difficult to think rationally during a crisis. Through careful planning you'll live through this and become strengthened. It may not seem that way right now, but this is one of those times in your life that is character building.Here are a few strategies to keep in mind while you decide what to do:1. Don't wait until you are in financial hardship before taking action.If you have recently experienced a decrease in income, take stock of your finan (read full article) |
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| Category :: Personal Finance Articles |
Author :: David Skul |
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| Article Title :: Asset Protection |
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| An immediate concern of many Americans is the threat of lawsuits, liens, judgments and financial loss from major medical or nursing home costs.People worry that major medical costs, or a lawsuit, will steal the equity in their home or plunder their savings and retirement accounts.One of the biggest threats is from driving automobiles or other vehicles. If you or your teenagers have an accident, which is your fault, the liability is almost unlimited and can go far beyond your insurance limits.Other serious risks come from business activities or ownership. That is, business deals gone bad, debts that cannot be paid, unhappy customers, overzealous regulatory agencies, em (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kelly Kennedy |
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| Article Title :: Tips to Avoiding Financial Distress During the Holidays |
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| If the festivity of lights, seeing Santa, and trying to figure out what you should get for all your loved ones stresses you out, you are not alone. As much as the holidays are supposed to bring about cheer and merry good times, it can be stressful for those that already have credit card debt, and too many things are there to do list before even being able to think about holiday expenses. No need to fear, this year you can make it one to remember without stressing out.Setting some ground rules is the best place to start. You might have had them growing up, or now set them for your children, but they can work for yourself as well, especially when it comes to spending money. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Glenda Thomas |
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| Article Title :: How I Saved My Family Budget $139.88 This Month |
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| There is one simple thing we all can do to save money. A few months ago I was checking over my phone bill and discovered that I had been charged for $3.99 monthly over a period of about 6 months. The charge was for International Call Plan, which I never signed up for. I do not call overseas, therfore I do not need that plan. I cannot remember now how much if any credit I was given.This month I decided to go on line and pay my phone bill as I do many of my bills. And I clicked on the link that led me to My Services. I was being charged for DSL and Dial-Up. Anyone knows if you have DSL you do not need Dial-Up service. The monthly fee was $9.95. So I called SBC/ATT and spoke to someo (read full article) |
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| Category :: Personal Finance Articles |
Author :: Cynthia Barnett |
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| Article Title :: Develop and Execute Your Personal Retirement Plan |
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| So, you’ve decided that you’re ready to retire. Well, good for you. This is a tremendous opportunity for you. One that can literally change your life for the better. In addition, you know that developing and executing your very own retirement plan is the best way to ensure that you not only achieve all your goals but that you stay focused as well. What you may not know however is how to develop a workable plan that you can follow day in and day out. Well, have no fear; we’re here to help you with the planning and implementation of your very own personal retirement plan. So, without further adieu, let’s get started.1. Brainstorm about your future. First, you should take some (read full article) |
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| Category :: Personal Finance Articles |
Author :: Wes Hopper |
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| Article Title :: Money - How to Master It |
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| It seems that just about everyone has some kind of issues with money. Many people would say that their only issue with money is not having enough of it, and yet there are many examples of people who create ample streams of income and can't hold on to any of it. A famous speaker and trainer once told me that the first year he made over $1 million it was all gone by the end of the year and he didn't know what happened to it.Why does money consume our attention for so much of our life? It's because we haven't mastered it; money has mastered us! The sad part is that we will never learn to master money if we operate under the illusion that more money will solve the problem. What we don' (read full article) |
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