 Category :: Personal Finance Articles |
Author :: Ian Anderson  |
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| Article Title :: Bankruptcy Forms: Having The Right Ones |
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| Filling out bankruptcy forms can be one of the most difficult parts about filing for bankruptcy, although these forms are a necessary evil to complete the legal process. Unfortunately these legalities can add major emotional stress to an already difficult situation. Especially if you have decided to go about filing on your own, without the help of a lawyer or financial service company, you may find yourself overwhelmed with trying to understand which bankruptcy forms are right for which chapter.
If you are an individual who is filing for bankruptcy, most likely you will be filling out bankruptcy forms specifically dealing with either Chapter 7 or Chapter 13. Even as a business y (read full article) |
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| Category :: Personal Finance Articles |
Author :: Justin Ertelt |
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| Article Title :: Taking Control of Your Finances |
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| Does life feel like it is spinning out of control? Has a high-flying lifestyle set you on a crash course toward financial ruin? Have your credit card balances snowballed beyond your control? Then it is time for you to take control of your finances.To have successful money management, wealth accumulation, and financial freedom, you must take control of your finances. No one else is going to do it for you. You are responsible for your finances.“Money doesn’t manage itself,” Robert Schuller. 1. Figure your current net worth. You can not take control of your finances before you know what your current financial situation is. You need to know what your (read full article) |
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| Category :: Personal Finance Articles |
Author :: Bill Young |
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| Article Title :: Is Consumer Spending Trapping You in the Rat Race? |
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| Buying consumer goods can trap you in the Rat Race!This article will show you how and what to do to escape.Consumerism is very seductive and insidious. It relies on scientific marketing to prey on your emotional needs and weaknesses.The proposition is the satisfaction of your emotional needs by purchasing the “right” products. Shopping Therapy, so called.Example: “Want to have younger looking skin? Buy Vorsage, Extra Moisture Crème!”They are playing on your fear of looking older, promising younger looking skin by the purchase of their product. Of course, that will be followed a year later by the “New and Improved, Extra Moisture Crème,” whi (read full article) |
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| Category :: Personal Finance Articles |
Author :: Francis Kier |
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| Article Title :: How To Develop A Home Budget |
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| This is probably the most requested topic that I receive, normally after someone gets a large unexpected expense, or they start thinking about retirement and realize that they have saved a woefully inadequate amount of money.I recommend using a monthly time-frame to look at your cash inflows and outflows, because most bills are monthly and four weeks is a short planning period that most people can manage. The first thing to do is determine your monthly after-tax income. Usually, this is the amount of money from your paycheck that gets deposited into your checking account. If your income is variable, then use an average of the last three months. (Any savings account interest income (read full article) |
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| Category :: Personal Finance Articles |
Author :: Mark Mountney |
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| Article Title :: Merry Christmas Mr. Scrooge! |
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| Here‘s the season to be jolly …. But make sure you still pay your taxes! Read Mr Scrooge as the Inland Revenue, Hacienda or any other tax authority you care to name!It’s not all bad news though when it comes to keeping as much of your hard-earned money away from Scrooge’s coffers. Despite the various and continuing attempts to close doors that allow for him to be beaten, there remain options open to beat him!For example, a lot of folk here are retired and rely heavily on pension and investment income. They probably get taxed on both subject to levels of income and, for their investments, where and how their capital is placed. Despite the EU Directive implemented in t (read full article) |
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| Category :: Personal Finance Articles |
Author :: Stephen Nelson |
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| Article Title :: Free Money for Your Retirement? |
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| It can be more than a little discouraging to start making retirement planning
calculations. You’ll usually find that to achieve the annual retirement income you
want, you need to be saving a lot more than is practical.Suppose, for example, that you use a program like Quicken or Microsoft Money to
determine that your retirement savings should equal to $5,200 a year—which is the
same as $450 a month. (This savings amount will produce roughly $15,000 a year
of retirement income if you save for 20 years, increase your savings with inflation,
and earn 9 percent.)Okay. That's great information to have. But practically speaking, where do you find
this money? Well. (read full article) |
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| Category :: Personal Finance Articles |
Author :: Stephen Nelson |
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| Article Title :: Read This If You Can't Possibly Save Enough for Retirement |
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| It’s relatively easy to save for retirement when you’re still young. Five thousand
dollars set aside for a new baby grows to an amount that generates over a $100,000
a year in current-day dollars if the money earns 12 percent annually and inflation
runs at 3 percent.NOTE The data is a little sketchy, but small-company stocks probably deliver
average returns of around 12 to 13 percent over long periods of time. Small-
company stocks are, however, very risky over shorter periods of time.The flip side of this is that it becomes difficult to save for retirement if you start
thinking (and saving) late in your working years. If you’re 60, haven’t started saving, (read full article) |
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| Category :: Personal Finance Articles |
Author :: Z. Perry |
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| Article Title :: Tips For Easily Saving Substantial Amounts of Money In Many Ways |
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| Some people think of low-quality products and piles of coupons when they are asked to consider saving money. For some, a major obstacle to saving money is that they have never seriously tried it, and assume that their life can only be enjoyable if they spend heavily on groceries, electronics, gifts, and other items.Groceries are a major expense which can be substantially reduced without using coupons. Most products produced by generic, store, or less-expensive brands are just as good as others. Many people agree that a few generic items such as root beer and Cheerios-like cereals usually aren't as good-tasting, but these are exceptions. If you don't believe this, try buying most of (read full article) |
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| Category :: Personal Finance Articles |
Author :: Larry Holmes |
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| Article Title :: 5 Tips For Saving Money In 2006 |
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| Not as many people make New Year's resolutions as they used to. According to Stephen Sapiro of goalfree.com, only 45% of people will make a resolution this year. That's down from a high of 88% in past years. However, of those who do make New Year's resolutions, 34% will be financial ones. And one of the best financial resolutions you can make is to save more money.Here are five suggestions to save money in 2006…First of all, start saving money now. The U.S. Department of Commerce reported a negative national personal savings rate in October -- its lowest level in decades. If money is really tight, you can start off with saving as little as 1% of your gross income. But (read full article) |
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| Category :: Personal Finance Articles |
Author :: L. Langemeier |
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| Article Title :: 8 Money Myths |
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| 8 Myths About Money
I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it’s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I’ve learned that I was not alone. There are many people who shared this same myth.
Much like our views about many things -- people, relationships, food, and health (read full article) |
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