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Sometimes it seems like saving money is impossible, and it is easy to get discouraged. If you run out of money before you run out of month, you may wonder how you will ever make ends meet, let alone save for the future.
Even so, there are strategies you can use to put more money aside and ... Views: 2076
Xmas can be a financially stressful time for many people and that takes the fun out of the festive season. The funny thing about Xmas is it occurs every year and at the same time every year! So with a little bit of planning you can take the stress out and stay debt free.
Here are my Top 10 tips ... Views: 2076
"Happy New Year 2013" New Years Resolution
How to Recession Proof your Family!
Are all the gloomy financial forecasts depressing you?
Do you really want to ignore all of the negativity but you're concerned about what may happen if you do?
Well you can't ignore reality, but you can ... Views: 2070
When it comes to students, they need the best in education to build-up their career and latest laptop to accomplish it. The students who are looking for a new laptop to work on their projects should not worry about price tag as there are many financing options available in the market. The ... Views: 2068
While many may think of journaling as a harmless, completely reflective process, the truth is that keeping a journal can actually be a revolutionary act.
Journal writing helps us reclaim ourselves and use our power to create a better life than we have previously known. Journaling shows us ... Views: 2065
In an ideal world, parents are the ones and are expected to send their children to school for their needed education. It equips them with all the necessary knowledge and skills and honing their character to becoming a better and productive member of the society. But this idealism can sometimes ... Views: 2063
Thirty Billion Dollars is a huge amount of money, but it translates into less than $100 per US person--- a small price that we should all be willing to pay to give the Automobile Industry time to restructure itself and to save a few million jobs.
Give them the green, but have them pay it back ... Views: 2062
Have You Ever Considered Working Online? Kelly Richards from Brooklyn, NY never thought that she would, until curiosity acquired the best of her and she filled out an easy online form. Before she knew it, she discovered her secret to beating the recession, and having the ability to provide for ... Views: 2061
Law of Giving-Donate Your Money
Giving has been called the First Law of All Creation. It has also been said that there is a Universal Law of Giving and Receiving, or that giving and receiving are the same.
When you are happy the world will be happy with you! When you give you receive, ... Views: 2058
The IGVSI is a barometer of a small but elite sector of the stock market called Investment Grade Value Stocks. Some IGVSs are included in all averages and indices, but even the well dressed Dow Jones Industrial Average includes several issues that are well below Investment Grade and very few ... Views: 2045
If you're looking for a great way to protect your money and to earn a consistent return, then annuities are definitely a financial instrument that you should be interested in. Annuities are generally provided by life insurance companies. You can pay money to them, let it grow on a tax-deferred ... Views: 2044
In today's world, it is deliberated a fascinating time for fashion. These days fashion is now being motivated by the classic styles of olden day’s designs and styles. This is further admired by the enclosure of sex appeal and varied colors. Nowadays the very 2011 fashion trends that include the ... Views: 2042
Organizing your personal finances is not an easy feat especially if you are used to spending left and right. However, recent economic struggles shook us from our comfort zone and our sense of financial security. What you thought worked before cannot remain to be your lifestyle now.
While a ... Views: 2040
Are you thinking of your future and how you can give yourself financial security? At this stage, I am guessing that you are thinking about where to invest your money. Well, I would like to mention that there are benefits of gold IRA. You may be wondering what they are in comparison to the other ... Views: 2032
The importance of increasing score cannot be neglected as it is a mark of credibility of a consumer. This is very simple to judge the reputation of a person before making a business deal with him or while hiring him for a new job by just observing his score. It represents the whole previous ... Views: 2031
Whenever an individual is on a transit, his main anxiety will be always getting a discounted and satisfactory rate for the currency exchange. Experts have also suggested that; a nomad will always have a preference for those whose currency conversion is at a bargain price or inexpensively; also ... Views: 2030
If you look at the statistics, most of the debt relief options have a high rate of debtors who gave up and never finished what they started. This can be caused by a lot of things. It can be due to insufficient funds or they found a better way to pay for their credit obligations. But most of the ... Views: 2025
Question: 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: 2023
If you will be receiving an income tax refund, have you considered how you will use it?
Before you give in to the pressure from family, friends, and retailers to spend your refund, why not buy yourself a little time. Think of this refund as a financial opportunity for you ! Then, think ... Views: 2019
Pro-athletes have mastered the skill of getting 'in the zone', firing on all cylinders and winning the game. Why is it, then, so many trip up, drop the ball and feel like they've lost in the game of life? Here are the hard facts:
• According to Sports Illustrated (SI) 78% of NFL players go ... Views: 2017
More than just your portfolio will feel the pinch of the recent stock market crash. Your variable life insurance policy may also be in danger of taking a downward spiral. Variable life insurance policies have experienced increased popularity - currently accounting for 40 percent of life ... Views: 2015
If you’re living on a fixed income from Social Security, you may have given up on the idea of getting a home loan. Some lenders will reject your application outright if they don’t regard that income as sufficient to make payments. However, on a case-by-case basis, some lenders will actually ... Views: 2014
These tips on rental property deductions that we're going to share with you will provide you with an immense tax shelter. You'll see that there are several tax deductions that you can take by owning even one rental property.
I know this because I've owned rental properties for several years and ... Views: 2014
The importance of regularly checking credit reports is not lost on many people. It remains the fastest and most effective way to monitor your credit score and protect yourself from identity theft. By reviewing your report on a regular basis, you are able to catch any discrepancies early and ... Views: 2006
Understanding what and who the credit bureaus are can seriously help you understand your credit and how it works which is something everyone needs to know. Basically, each credit bureau is a ‘holding tank’ of information about how you handle some of your finances. It does not contain everything ... Views: 2006
Has an employee requested time off because of a health condition or to care for a family member’s health problem?
If so, you need to know whether that leave could qualify under the Family and Medical Leave Act (FMLA).
The 1993 law allows qualified employees to take up to 12 weeks of unpaid ... Views: 2001
Are you looking for personal finance help that will reap results? Are you tired of dealing with a faltering budget and want to regain control of your finances? When it comes to our money, too often we simply accept the status quo, take advice at face value, and do what everyone else is doing ... Views: 2000
The latest unbelievable resurgence in the debt relief world is advanced fee credit repair. That ship sailed a decade ago, at least.
Companies are telling marketers that they can sell credit repair services and basically “charge whatever” they want to.
But there is this little thing called ... Views: 1996
What Happened to the Baby-Boomers?
I remember graduating from High School in 1968 and like every class graduating, we felt like we were going to change the world. Well, we did change the world, but is the world a better place? You have to answer that question. Personally, I don’t think so. ... Views: 1993
Does frugality bring to mind a picture of a Depression-era family living off leftovers and hand-me-downs? Before you roll your eyes at the idea, consider this -you can have your cake and eat it too! Yes, you can save hundreds and possibly even thousands of dollars every year without much ... Views: 1992
For some people the only determinant between whether they would eat good food, wear designer’s clothes and ride the best of cares is in whether they would take their habits to save money every month very seriously.
The good thing is, there are a lot of things that people can now do to ensure ... Views: 1989
One of the factors that make a life in debt very difficult is the fact that you need to squeeze in your credit payments on top of your usual expenses. In most cases, the additional amount is not enough to cover both. When faced with this scenario, you need to choose between your debt and your ... Views: 1984
A reverse mortgage funding senior’s retirement can be an excellent way to supplement a retirement plan. Advisors are able to meet with seniors and determine the most effective plan of action and which plan may be right for the seniors to fund the retirement years. The knowledge and education ... Views: 1980
Zig Ziglar tells a story of when he was buying a bicycle for his son. There were two bicycle stores in town; the first was a cycle shop, which had a starter bicycle for a higher price, say $79. The second was a discount shop, whose starter bicycle was, say, $39. Mr. Ziglar bought the cheaper ... Views: 1979
Limiting beliefs about money have been circulating in society for many years now. While everyone is entitled to their own opinions, wouldn't you want to break free from these constricting views?
After all, they're not doing you any good. In fact, they're only preventing you from having and ... Views: 1976
You might be wondering as so many: Where will it all end? Where are we headed?
Of late, the news has filled our family TV screens and car radios about Greece’s dire need for a loan. Surely, you recall our own residential real estate and associated banking crisis that began to surface in ... Views: 1967
These days, it seems that many people need some tough love when it comes to their financial health. Every day I meet people who have become unemployed, have taken a pay cut, or are experiencing a slow period in their business. On top of that, they have credit card and student loan debt, and ... Views: 1964
Ben Bernanke is so busy computing academic formulas that he forgot to go shopping and take a look at what’s really going on out there. He is famously called helicopter Ben after he made the statement that he could drop money out of helicopters to fight deflation. Is that a joke? This guy has a ... Views: 1962
Unemployment stands for a position where you have no source of income. You need cash to fulfill your various needs like food, clothes, daily expenses, cooking gas. These are some of the needs that you can’t ignore or avoid at any cost whether you are earning or not. A persons who is going ... Views: 1960
Are you about to retire soon and thinking about your future? Are you thinking of where to invest in? I would like to share with you the benefits of gold IRA investments. These are in my opinion a better option if you have the money to chip in and get some. I would rather you get them than a ... Views: 1958
Every day we see and hear advertisements from car dealerships. Some are very cliche with all the hype and over the top salespeople, while others are more subdued and try to appeal to a consumer’s logical side. In any case, their goal is to draw potential buyers into the dealership any way they ... Views: 1951
For homeowners: Cut the interest rate on all mortgage loans by 50 basis points and extend the payment schedule by three to five years. Convert all variable rate loans to fixed, at prevailing rates, and extend the payment schedule by six to ten years. No fees, points or charges tolerated.
More ... Views: 1950
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Author: Belinda Rachman, Esq
What Does A Traffic Ticket REALLY Cost You
Every day you see some unlucky person pulled over on a street or freeway being given a speeding ticket or some other kind of moving violation. When it happens to a truck ... Views: 1949
Submitting to a budget can prove to be life changing. It can literally alter how you live every day because of the expenses that you have to let go or change. The usual scenario for a budget is to make sure you spend less and some people are hesitant to go about this change because of it. ... Views: 1945
One of the most exciting ways to use your energy for positivity is to use it for the process of manifestation. Now there are many books, lectures and so much information out there on this subject and it sometimes can be very confusing and even contradictory.
Let’s break this process down to ... Views: 1941
It seems like every car dealership is offering ‘no money down’ sales promotions now days. On the surface it sounds great to many buyers (especially inexperienced shoppers). The fact is, there are too many reasons that this is a bad idea and you should try to avoid a ‘no money down’ deal if ... Views: 1940
What factors can affect share trading?
Trading on global equities has become one of the most popular forms of CFD trading. Part of the appeal for CFD share trading comes from being able to go short as well as long on a share price, which allows you to potentially take advantage of a falling ... Views: 1940
Are you a financial co-dependent? You might be, if you are in the habit of repeatedly giving money to family members who never quite seem to learn from their mistakes.
The term “co-dependency” was originally coined to describe a person married to or otherwise in a relationship with an addict. ... Views: 1935
You don't have to pay a lot to fill your child's Easter basket. Here are 8 frugal family fun ideas to take your Easter celebration to a whole new level, on the cheap.
1. Skip the elaborate and expensive Easter baskets and opt for other inexpensive containers that can be repurposed after the ... Views: 1931
"The time has come the walrus said, to talk of many things": Of corrections--portfolios--- and window dressing--- of market cycles--- wizards--- and reality.
Quarterly portfolio window dressing is one of many immortal Jaberwock-like creatures that roam the granite canyons of the Manhattan ... Views: 1930