 Category :: Personal Finance Articles |
Author :: Jakob Jelling  |
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| Article Title :: Tips on how to save money |
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| Money is an essential element in every bodyÂ’s life. It is the one that we exchange to get all the necessary things in life. And that is exactly the reason why we work all day and sometimes night. Since the flow of money in oneÂ’s life is not uniform, it is only prudent to save some money for the crunch days. Economics permits one to spend his/her money in any amount as he/she wishes. But how rationally one could plan so as to maintain a minimum level of backup in any given day is directly linked with his/her ability to save.
In daily life, even if we know that we are spending money to buy things we need, most of us tend to over see the fact that more than 50% of the spen (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew C. Keegan |
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| Article Title :: 7 Online Banking Success Stories |
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| You have seen their ads and you may have wondered if they are worth a second look. What am I talking about? Online banks! Also known as internet banks, these are financial institutions who provide the majority of their banking services over the internet. Typically, online banks offer consumers high savings rates, low loan rates, and a mix of other services. Let's look at 7 winners in this fast growing field:
1. E Trade Bank Part of E Trade Financial, the discount internet stockbroker. E Trade Bank offers checking accounts, money markets, and certificates of deposits as well as a VISA credit card.
2. Netbank Along with offering checking and money market (read full article) |
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| Category :: Personal Finance Articles |
Author :: Sam Vaknin |
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| Article Title :: Is My Money Safe? |
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| Banks are institutions where miracles happen regularly. We rarely entrust our money to anyone but ourselves – and our banks. Despite a very chequered history of mismanagement, corruption, false promises and representations, delusions and behavioural inconsistency – banks still succeed to motivate us to give them our money. Partly it is the feeling that there is safety in numbers. The fashionable term today is "moral hazard". The implicit guarantees of the state and of other financial institutions move us to take risks which we would, otherwise, have avoided. Partly it is the sophistication of the banks in marketing and promoting themselves and their products. Glossy brochures, profes (read full article) |
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| Category :: Personal Finance Articles |
Author :: Jakob Jelling |
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| Article Title :: How to transfer a retirement account |
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| Make sure you know where you intend on moving your money in advance!
As you probably know, an individual retirement account requires that you decide where your money is going to be invested in order to work with the retirement account. Essentially this is called a "custodian" for your investments. You should generally chose a safe custodian - some of the most common ones are mutual funds, savings accounts, and bonds. While you should definitely be careful as to which custodian you choose for your retirement account, don't worry! You are not stuck with the same investment until you retire.
However, unlike a normal investment, you should keep in mind that you are only (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kris Bickell |
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| Article Title :: 5 Simple Ways To Lower Your Monthly Bills – And Save Lots Of Money! |
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| Here you're going to learn several ways to save money every month by lowering your monthly bills.
There are lots of ways to save money, no matter how much of it you have - or don't have!
Having struggled for many years paying my own bills, I learned many ways to save money. From simple things like food, gas, and clothing, to bigger expenses, like insurance and your mortgage.
All you need to know is where to look to find the savings.
Several Ways To Save Money
The first thing you need to do is eliminate ALL of your unnecessary expenses:
• eating out on the weekends
• buying lunch at work every day (read full article) |
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| Category :: Personal Finance Articles |
Author :: Kris Bickell |
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| Article Title :: Here You're Going To Learn Several Ways To Save Money Every Month By Lowering Your Monthly Bills. |
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| Has debt got you down?
If so, you’re not alone. These days getting into debt is easy. Getting out is not. Buying lottery tickets and hoping to “win the big one” is not the answer.
No matter how much money you owe, and no matter how tight money gets, remember that life is too short to spend time worrying.
Therefore, the real "secret" to getting completely out of debt is actually very simple:
Make the commitment, then take action!
If all you do is sit back and talk about getting out of debt, and just complain about how hard it is being stuck in debt - and never actually do anything about it - an amazing thing will h (read full article) |
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| Category :: Personal Finance Articles |
Author :: Rhiannon Williamson |
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| Article Title :: How to Manage Your Money When Working Overseas |
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| ItÂ’s a fact that employers look favourably on a resume that presents an independent, dynamic individual who has an open mind and has seen more of the world than their own back yard.
With this fact in mind a greater number of people are taking time away from their studies and careers nowadays and spending a period of time travelling or working overseas.
If you’re considering taking a similar path this article will help you get your head around managing your money when travelling, living or working abroad – once your finances are in order you can spend the whole of the rest of the time having fun, exploring the wider world and meeting many new faces! (read full article) |
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| Category :: Personal Finance Articles |
Author :: Matthew C. Keegan |
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| Article Title :: Saving Money, Simply |
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| We all know how to spend our money, but do we fully understand how to save it? I am not talking about setting aside a reserve for an investment or rainy day purposes – both of which are good things – rather, saving money on everyday items. Here are some simple ways you can save money:
Clip Coupons. You can save on your shopping excursions by clipping coupons. Some stores will even double or triple manufacturersÂ’ coupons up to a specified amount [typically, one dollar] as an added incentive to bring you in.
Comparison Shop. The worldwide web gives shoppers the opportunity to compare prices and shop right online for almost any product availab (read full article) |
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| Category :: Personal Finance Articles |
Author :: James H. Dimmitt |
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| Article Title :: Be Cautious When Using Your Nest Egg as an ATM |
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| About five years ago I moved from the ranks of being a renter to that of being a homeowner. Now, not a week goes by that I donÂ’t receive some type of offer through the mail encouraging me to refinance my mortgage, open a home equity line of credit (HELOC), or apply for a home equity loan.
Payoff High Interest Credit Card Debt! Lower Your Monthly Payments! Buy A New Car! Refinance And Get Money Now! scream the slogans splashed across the envelopes.
The promotional letters inside point out how easy it will be for me to “get the extra cash you need NOW!” They promise “no out of pocket costs” with a newly refinanced 30-year loan.
Could (read full article) |
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| Category :: Personal Finance Articles |
Author :: Mike Peterson |
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| Article Title :: Say "Bah, Humbug!" To Holiday Debt: Avoid the "Holiday Hangover" |
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| Ah, the holiday season! Turkey and dressing, pumpkin pie, office parties, jingle bells, and lots and lots of eggnog make the season a delight. But all fun and reindeer games aside, you have to be careful to make sure you don't wind up as poor as Tiny Tim! Americans can spend as much as $1,000 a year on gifts for family, friends and business associates. That is a big chunk of money that can hit you pretty hard come January if you don't plan ahead. There are some tips and tricks you can do to keep your holidays bright and debt-free this year.
Before the holidays arrive, do some careful plotting and planning for family and business expenses. A few hours spent in preparation can mea (read full article) |
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