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- The Autombile in Our Social Predicament - by Submitted on Mar 21, 2011 from Grampa KenOriginally used as basic transportation for home and business the automobile has become much more since the days of the Model T Ford. Today it supports a major industry as well as a wonderful convenience and better standard of living for so many. But the negative aspects of this great invention ...
Views: 1258(1 vote) - The Basics of Life Assurance - by Submitted on Aug 27, 2010 from Craig LockArticle Title: The Basics of Life Assurance Shared by: Craig Lock Category (key words): Life Assurance, Life Insurance, Insurance, Insurances, Financial Success, Personal Finance, Money, Money Management, Financial Independance (enough there now, craig) Web sites: ...
Views: 1000(2 votes) - The Effects of Consumer Debt - by Submitted on Nov 09, 2004 from Nicola BullimoreConsumer Borrowing Consumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today? The National Consumer Council ...
Views: 1760(1 vote) - The Heart of Prosperity - by Submitted on Aug 02, 2011 from Hillary HarrisDid you know that "the Economy" and world affairs have nothing to do with your state of Prosperity? And the state of your bank account is a reflection of how you feel about yourself? But perhaps most shockingly… money issues are never about money! Many of us believe that if we had more money ...
Views: 1353(1 vote) - Top 6 Ways to Save Money this summer! - by Submitted on Apr 27, 2013 from James PattrickIt’s almost time for summers and most people think of escaping the heat and going to some cool and relaxing place. Also, it is the perfect time to enjoy a vacation with family and friends. In short with summers knocking at the door, the expenses of most people increase in many small or big ways ...
Views: 1204(2 votes) - What is Household Wealth and How Do you Make it Grow? - by Submitted on Jan 30, 2013 from Samantha SeiffertDid you know that your household wealth affects the local economy? By growing your household wealth, you are actually contributing to the overall state of the country’s economy. It is one of the things that is measured to identify if a country is in good and stable financial condition. While ...
Views: 1203(1 vote) - What Parents Can Teach Their Children About Money - by Submitted on Jan 19, 2005 from James Allan"It Takes A Minute to Borrow Money, But a Lifetime to Pay It Back: Common Sense Lessons For Parents To Teach Their Young Adult Children" Parents want their children to have their best chance at success. They want their children to be schooled in every aspect of adulthood. According to a ...
Views: 2949(1 vote) - Home Budgeting Software – Advice on Tools to Help with Personal Budgeting Strategies - by Submitted on Jun 03, 2009 from Keith GarrowThere can be little doubt that budgeting is a really useful way to plan and control your expenditure, but the reality of actually putting it into practice is often so daunting that we just never even start. There is a tendency to think of budgeting as a painful kind of rationing, making ...
Views: 1556(4 votes) - How to make money in college the smart way? - by Submitted on Jun 25, 2010 from Adam M PHow to make money in college? Many students face this question. You could usually could use some more money while you are in college. In college you have to learn without being distracted and you want to have fun. So adding to this making money while in college can be a challenge. The point ...
Views: 1680(4 votes) - The A, B, C, Ds Of A Healthy Financial Plan - by Submitted on Sep 09, 2010 from Kathy Jo PollackCurious about what you need for a healthy financial plan? Read on and you will find out. First, have A plan that includes the following four areas: Budget Credit Debt Savings Budget: Start with a simple written plan (budget) of the monthly net income coming into ...
Views: 4949(18 votes) - ***Losey: Tax Alert - Plan to Take Advantage of 2010 - by Submitted on Dec 21, 2009 from Bill LoseyDo you see a warning light flashing? Americans with high net worth and high incomes are preparing for the likelihood of higher taxes in 2011 and subsequent years. High earners are almost certainly going to take the hit if the EGTRRA and JGTRRA cuts fade away at the end of 2010. Here’s a summary ...
Views: 1701(25 votes) - ***Your Retirement Portfolio: The Potential Of The BRIC Nations - by Submitted on Feb 17, 2010 from Bill LoseyBrazil. Russia. India. China. These four nations have some of the fastest-growing economies on earth and are becoming drivers in the world economy. In the coming decades, they may command as much attention as the U.S., Japan and other “heavy hitters” … or more. The future aside, we know one ...
Views: 2952(34 votes) - *** Pre-Retirement 401k & Asset Allocation Advice - by Submitted on Aug 11, 2009 from Bill LoseyQuestion: I plan on retiring in 15 years (at age 60) and currently have 85% of my money in stocks. I’ve been maxing out my 401(K) since I was 21, and in the last year, I have seen some frightening drops in my funds. Should I be making any kind of changes to prevent more losses? Larry, Texas ...
Views: 1984(18 votes) - ***5 Retirement Planning Blunders - by Submitted on Mar 05, 2010 from Bill LoseyRetiring from ones job can be a stressful time but it doesn’t have to be. Realize that it’s natural to be nervous, anxious and/or confused when you’re going through a major life change. Your decision to retire is causing you to step outside your comfort zone and is forcing you to make many new ...
Views: 2242(21 votes) - ***PERSONAL FINANCES and INVESTING: You can do it for yourself! - by Submitted on May 20, 2011 from Scott BarclayHandling your personal finances and investing is not near as difficult as you have been led to believe. From simple investing to saving for college to debt reduction to retirement planning, it appears as if everyone is outsourcing these personal financial matters and is paying dearly for it. ...
Views: 2369(3 votes) - ***Take the “Balance Your Checkbook And Reclaim Your Life Challenge” - by Submitted on Mar 23, 2012 from Leslie CunninghamI’ve noticed that one of the biggest challenges people face is keeping track of where their money goes. They receive their paycheck and deposit it in the bank, and then a few weeks later it’s somehow mysteriously disappeared (again). For all they know it’s being consumed by the black hole in ...
Views: 2484(3 votes) - Are You on the Express Lane to Debt? - by Submitted on Jan 17, 2010 from Theodore HendersonThere are always plenty of articles and commentary written about rapacious lenders and banks taking advantage of the “little guy” by giving him too much credit too easily and then when most inconvenient for the borrower they hit him with higher interest rates or some other financial ...
Views: 1331(3 votes) - Bankruptcy Doesn’t Have to Be the End of Your Credit Life - by Submitted on Jun 05, 2009 from Gary McClureAfter your bankruptcy has finally been discharged the courts and you have your discharge papers in hand, what next? How do you begin to rebuild your credit? The first thing to remember is what led you to bankruptcy to begin with. You don't certainly don’t want to end up in the same financial ...
Views: 1402(3 votes) - Being Mindful of Money Means Having a Mind Full of Pennies - by Submitted on Feb 19, 2011 from Young KimI once saw my mom pick up a penny that she somehow saw in the middle of a parking lot. She waved it in the air as if it were a blessing, and placed it carefully into her purse. I asked my how she was able to see that penny? She said that pennies are everywhere, and that all you have to do is ...
Views: 1360(3 votes) - Caught in a Money Trap? Keep Reading. - by Submitted on Aug 31, 2010 from Mike PetersonAccording to a well-known proverb, “Insanity is doing the same thing in the same way and expecting a different outcome.” Same goes for financial matters. After all, there’s something a little crazy about falling into the same money traps over and over again (and expecting that, one day, things ...
Views: 1613(3 votes) - ESTATE PLANNING - Why it’s right for everyone - by Submitted on Jan 22, 2010 from Suzanne QuinnIn her new book, Own Your Life, 7 Essential Steps to Independence, author, speaker and lawyer Suzanne B. Quinn guides the reader through the seven essential steps to personal and financial security and independence. This article is an excerpt from her book, comprising one of the seven ...
Views: 1715(3 votes) - How Do I Pay Bills Without Snail Mail - by Submitted on Aug 14, 2009 from Mike SchianoQuestion: I just acquired my first credit card and I had a question that hopefully you can give me some insight on. How do I go about registering my credit card so that when I order something online, instead of paying my payments via mail, money will be taken out of my account? Would I even be ...
Views: 1832(3 votes) - How Much Is A Ton Of Interest? - by Submitted on Feb 05, 2008 from Mike KillianHave you ever asked yourself why there always seems to be too much month left over at the end of the money? This article attempts to explain that monthly crisis by exploring how we have been lulled into thinking in terms of "monthly" instead of "total" cost. Actually, the monthly phenomenon has ...
Views: 1372(3 votes) - How To Play A Game To Save Money - by Submitted on Sep 01, 2009 from Charlotte TersigniBeing a stay at home mother has been quite a challenge as doing the back to school shopping. Let's face it, one income in this economy is a struggle. For our family this is some of the things I have done to attempt to save a bit during the economic crunch. First of all, having a good sense of ...
Views: 1286(3 votes) - How To Quickly Improve Your Credit Score By Adding Positive Payment History To Your Credit Report - by Submitted on Feb 19, 2008 from Charles PhelanMost consumers are aware that negative items on a credit report can be disputed with the three major credit reporting bureaus. Often, this process can lead to a significant improvement in credit score through deletion of the derogatory items that were lowering the score. To achieve excellent ...
Views: 705(3 votes) - How to Respect Money - by Submitted on Aug 07, 2009 from Barbara Stanny-The Leading Authority on Women & MoneyThere's a big difference between making a good living and enjoying a good life. You demonstrate respect and appreciation for money the same way you would anything else of value in your life, be it an heirloom rug, an expensive hand tool, a close friend, or cash in hand. If you want it to last, ...
Views: 9330(6 votes) - Personal Finance: Summer Scorcher - by Submitted on Jul 15, 2010 from Renee BarnowMy most two dreaded 4-letter words are debt and snow. The thought of winter makes my body curl up onto itself – a true, physical cringe. Likewise, the thought of debt chills me to the bone – because I’ve been there, close to broke and in the clutches of financial winter. Summertime and ...
Views: 2472(3 votes) - Pre-Retirement Planning Advice to Create Predictable Income - by Submitted on Aug 25, 2009 from Bill LoseyEditor's Note: The following is an excerpt from Retire in a Weekend! The Baby Boomers’ Guide to Making Work Optional. Catch a sneak peek of the authors DVD, The 10 Biggest Mistakes People Make When Retiring & How YOU Can Avoid Them at www.RetireinaWeekend.com. Creating a steady stream of ...
Views: 1734(21 votes) - Purpose - Driven Financial Planning - by Submitted on Jul 18, 2009 from Beth SassoToday's financial climate is filled with moments of instability, confusion, and panic. Suddenly people are being forced to reassess their budgets and sometimes choose between raiding their 401K's or learning to make adjustments in their lifestyle. The ability to make wise financial decisions is ...
Views: 2647(3 votes) - Self employment and health insurance - by Submitted on Apr 13, 2010 from james whiteThere is no doubt when you ask most people they would love to be in complete control of their working life. Although in theory it is a nice thought, self employment is an uphill struggle with a great deal of work and pressure. The brave ones who make this leap will recognise this, they will also ...
Views: 1513(3 votes) - Using an Offer In Compromise to Settle Tax Debt - by Submitted on Aug 04, 2009 from Matt RobinsonUnderstanding an offer in compromise is important if you have IRS tax debt. This is a process in which you pay a fraction of your total liability as agreed upon with the IRS. You are not able to decide on an offer in compromise on your own. You have to apply for this, and from there your offer ...
Views: 985(3 votes) - Wealth Creation Means What? - by Submitted on Oct 17, 2009 from Steve GillmanWhen we hear about wealth creation it is usually presented as gaining money and other valuable assets. Make money, then invest it to grow your net worth - a common formula. Those who look a little deeper see that assets alone don't necessarily pay the bills, stress making your money and assets ...
Views: 8246(3 votes) - What Everyone Needs to Know about Refinancing - by Submitted on Oct 23, 2009 from George PettitFor many people with debt, refinancing is the best way to lower monthly payments and save a great deal of money over the life of the loan. Loan refinancing offers consumers the chance to find more favorable terms on an existing loan, whether through lower interest rates, extending the life of a ...
Views: 765(3 votes) - Where is the Degree in Money Management Offered in School? - by Submitted on Jul 21, 2009 from SCOTT LIFERThere is no doubt the two most monumental days of a parent’s life are when their kids go off to kindergarten and when they graduate from college. All parents raise their children wanting them to succeed in life no matter their chosen path or discipline. They aspire for them to have more, make ...
Views: 1344(3 votes) - You Might Have A Personal Credit Crisis If ... - by Submitted on Apr 01, 2009 from Helen MarchIn these tough economic times, there is a lot of discussion about the state of the global economy in general terms. The credit crisis and the various plans to move the nation out of spiraling debt and into more thriving times is the fodder of every media outlet. We can all be armchair critics ...
Views: 620(3 votes) - You shouldn’t fear credit cards as much as you do - by Submitted on Feb 22, 2010 from James BoukaA majority of adults in western society will carry a credit card of some sort, they have become so commonplace that you would look out of place and may sometimes miss out on a deal for simply not having one; think Airmiles for example. Credit cards have become so widely accepted yet they can ...
Views: 1259(3 votes) - Your Money Personality & Financial Success - by Submitted on Feb 05, 2012 from Talia ManaMoney personalities help explain people’s behaviour in terms of earning, spending, gifting, borrowing, saving and investing. The money personality is also a strong indicator of a person’s risk profile. Understanding your money personality and how it impacts on your ability to achieve your ...
Views: 3532(3 votes) - *** Coping with the Prospect of Inflation in Retirement - by Submitted on Jul 02, 2009 from Karyn MaierQuestion: I’ve been thinking about retiring for a few years now but I’m really concerned about how expensive everything is. I’m still working and wondering if I’ll ever have enough to retire. How do you help people cope with high inflation? Phillip, CT Answer: I help my private clients ...
Views: 1532(17 votes) - ***Questioning Work & Retirement - by Submitted on Nov 12, 2009 from Bill LoseyQuestion: I’m 55 and not really happy with my job any more. I’d like to retire but I’m not sure I have enough money. What should I do? Liz, New York Answer: Liz, realize that you’re not alone. Many baby boomers are tired and burnt, and no longer want to wake up to their alarm clock come ...
Views: 1570(25 votes) - *** The Phased Retirement Alternative - by Submitted on Jul 27, 2009 from Bill LoseyQuestion: I’m turning 60 next year. While I don’t want to continue working full-time anymore, I don’t have the desire (or nest egg) to retire completely. What do you suggest? Doris, PA Answer: Doris, how about a phased retirement? Instead of working 40 hours per week, talk with your ...
Views: 1471(22 votes) - $885 Billion and Sustainable Prosperity - by Submitted on Jul 15, 2009 from Karen MonroyThink of a coin. It seems to have a paradoxical nature to it: two sides, either heads or tails—or it can be viewed as a circle, 360 degrees. What if we were to look at the economic situation, not from heads or tails, but from the circle perspective—a perspective that has no sides? The tenor ...
Views: 1468(16 votes) - 7 Financial Blind Spots - by Submitted on Aug 11, 2009 from Peter RichonAs a general disclaimer, the tax code is complex, everyone’s situation is a little different, therefore, please do not take any action on strategies discussed without first consulting with an expert about your individual situation. The information contained in this article is believed to be ...
Views: 1688(8 votes) - Build Wealth and Prosperity with Feng Shui in the Kitchen - by Submitted on Apr 04, 2010 from Candace CzarnyThe kitchen is often the last place where you think to decorate or where you think of making money. After all, it’s generally covered in pots and pans or leftovers. Since people are in it all the time, it seems to be a place that needs little help in terms of Feng Shui. But this is far from ...
Views: 2537(8 votes) - The Case for Investing in Brazil: Growth & Resources - by Submitted on Mar 21, 2011 from Ian McAbeerInvesting in Brazil has been attractive for many global investors in recent years. Following decades of previous boom/bust cycles, political instability, currency crises and inflation, the past decade has been remarkable. Brazil has experienced real economic growth at a rate that is double ...
Views: 1212(8 votes) - 7 Attitudes That May Be Keeping You Broke - by Submitted on Aug 21, 2009 from Wellington RodriguesThere has been a lot of talk about inflation, depression and recession lately. There are only two ways to really “shield” yourself from the dire news that are flooding the media left and right; one is to move to a remote cave in the Himalayas. The second (and easier) option is... to ...
Views: 1576(18 votes) - Credit Card Debt Management - Negotiating Your Way To Financial Freedom - by Submitted on Dec 08, 2007 from Michael RascoCredit card negotiation is something that the average credit card holder can and should do on a regular basis. Sure, there are numerous financial planners, tax lawyers, and debt consolidation companies that will gladly handle the negotiations for you; but if the idea is to put yourself in a ...
Views: 1179(5 votes) - Making A Budget – 5 Insider Tips - by Submitted on Mar 09, 2009 from Timothy DereyYes, making a budget is, without a doubt, the foundation to establishing control of your finances. Putting proper budgeting techniques to use will enable you to track all of your incoming and outgoing cash to help you eliminate unnecessary expenses resulting in substantial savings. Tip 1 - ...
Views: 994(5 votes) - Your 2010 Personal Budget - by Submitted on Jan 03, 2010 from Lucy RudnickaWhy People Don't Like Budgeting Many people avoid personal budgeting for a couple of reasons. First of all, our lives are very busy and personal budgeting means an investment of time. We are not willing to spend out time on something unless we feel it's valuable to us. Absent that conviction, ...
Views: 2951(5 votes) - ***Obamacare - Separating Facts From Myths - by Submitted on Mar 30, 2010 from Bill LoseyConfusing doesn’t even begin to describe it. Throughout the very long debate over health care reform, a great deal of misinformation (spurred by presumption or misunderstanding) was circulating. Additionally, many changes and alterations to the proposed law were made along the way. At this ...
Views: 4753(17 votes) - Would It Be Okay If You Stopped Worrying About Money? - by Submitted on Jul 15, 2009 from Karen MonroyI know that sounds like a strange question. However, we sometimes get in awful habits and the thoughts take over. If we are not vigilant, the worry thoughts think themselves—again and again. Are you thinking, "Well, who wouldn't like to stop worrying about money? Duh!" Is that thought ...
Views: 1456(17 votes)