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- 5 Tips to Help You Make More Money - by Submitted on Feb 04, 2010 from Candace CzarnyWhether you are already a true believer or think the whole philosophy of Feng Shui is a hoax, it is worth the time and effort to implement the principles of this ancient Chinese practice to improve the quality of your life. Many people believe creating a Feng Shui home and/or office would be too ...
Views: 1222(2 votes) - Types of Long-Term Mortgage Protection Insurance for Sickness and Injury - by Submitted on Apr 13, 2010 from james whiteMost literature on the Internet relating to mortgage protection refers to payment protection insurance (MPPI). This type of insurance only provides short-term mortgage cover for sickness and injury. For example, this policy type will pay home loan repayments if the policyholder suffers sickness ...
Views: 1164(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: 1535(3 votes) - Inflation, Mortgages and the Insurance Market - by Submitted on Apr 13, 2010 from james whiteIn almost all areas of the world central banks have pumped billions of dollars into the economy. The vast fall in credit market liquidity and the resulting economic downturn forced central banks to abandon monetary policy techniques that appeared to work so well over the previous ten years. In ...
Views: 1194(4 votes) - The Real Purpose of an E-Fund - by Submitted on Jan 31, 2010 from Renee E CabourneWhen I teach my personal finance or investment classes, stories are the medium to drive the lesson into those hard-headed students of mine. I’ll make up names to protect the innocent and share as many personal stories as possible to bring the reality of a given situation into focus. So today, ...
Views: 808(1 vote) - Should the Insurance Industry Intermingle the Terms Income Protection and Payment Protection? - by Submitted on Apr 13, 2010 from james whiteTo those within the insurance industry it is very clear that income protection and payment protection are two very different products, with two very different purposes. However, one would not realise this given the way these policies are marketed. It is often the case that payment protection ...
Views: 891 - The Most Commonly Used Forms of Protection Insurance Cover - by Submitted on Apr 13, 2010 from james whiteThe latest quarterly Savings and Protection Survey (Q4 2009) from the Association of British Insurers (ABI) revealed the most commonly used forms of personal protection insurance in the UK. The data was collated over the previous six quarters from a sample of working respondents, which provides ...
Views: 1130(3 votes) - ***Your Stock Market Correction Protection Plan - by Submitted on Jan 29, 2010 from Bill LoseyQuestion: This stock market is nuts! How am I supposed to protect my IRA and 401k from losing money when I’ve only got three years until I retire? Bonnie, Ohio Answer: A few years before retiring, if possible, you should begin to accumulate an amount of money that's equivalent to 2-5 ...
Views: 2373(16 votes) - 5 Common Excuses to NOT Donate to Charity - by Submitted on Jan 26, 2010 from James LeGrandDuring our daily lives or in the midst of extraordinary circumstances, we often come upon worthy causes to donate to. However, because of one of any number of reasons we fail to make the donation. When you give even a little bit to an organization that helps others, you are making a positive ...
Views: 6885(1 vote) - Ways To Improve Your Credit Score - by Submitted on Jan 25, 2010 from Paul RodgersIt might take some bit of work until you get the idea of how to address your credit score. A credit rating might be one of the most crucial facets of your financial position which would necessitate your regular monitoring, particularly if you continuously have the need to borrow capital through ...
Views: 1531 - 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: 1747(3 votes) - Discover the Five Essential Tips For Financial Wellness During Your Divorce - by Submitted on Jan 19, 2010 from Lori Snyder"The waste of money cures itself, for soon there is no more to waste." -M.W. Harrison Divorce is a major undertaking and transitional time for many. Your emotions are usually running very high during the beginning of your divorce. There are many mixed feelings; you will feel like you are on ...
Views: 2203(3 votes) - Frugal Household Tips, Family Money Management Helpful Housewife Hints - by Submitted on Jan 19, 2010 from Timothy DereyFrugal Household Tips The frugal household tips I'm going to share with you will help you to keep more cash in your pocket by putting these helpful household hints to use. When it comes to family money management, these are straightforward approaches that my family uses. In fact, ...
Views: 3271 - 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: 1364(3 votes) - Would You Like to Stay in Your Home and Release Capital? - by Submitted on Jan 15, 2010 from Steven MartinThere is a scheme called Sale and Rent Back. This means that a company buys your house and rents it back to you. Many different businesses are providing this service, but you must look carefully at what they are offering you. There are a handful of companies who offer this service. You need ...
Views: 692 - Facing Repossession - by Submitted on Jan 14, 2010 from Steven MartinBeing in debt can be a horrible feeling. It can become all consuming; worry, stress and anxiety over how to stretch £1 into £10, which bill to pay first and sometimes creative ways to hide from bailiffs. It also means cutting back on those precious moments we use to recharge and release; a trip ...
Views: 786(3 votes) - Be a Savvy Shopper: How to Get Cash Back on Your Purchases - by Cash back rebate programs are a great way to save money on popular items but only if you use them correctly.
Retailers love these programs because they can advertise their wares at lower prices. Because many people do not take the time to send in the rebate information, retailers often get a ...
Views: 882(1 vote) - Appeasing the Gods of Government - by Submitted on May 31, 2010 from Elaine CorreiaWe are moving into the season of the year where we pay our dues and financial homage to our government. It is a period some people would prefer that Time somehow skipped. Many people shudder at the uncertainty of what lies ahead in their personal tax picture, the constantly changing rules and ...
Views: 1559(3 votes) - Money Worries - by Submitted on Jan 11, 2010 from Steven Martin2009 has been one of the toughest financial years we have ever seen. Many people have been left with money worries, bills and in some cases debts that are threatening their homes. Facing repossession, mounting bills and job insecurity can make you want to hide under the duvet and never come ...
Views: 806(4 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: 2991(5 votes) - ESSENTIAL STEPS TO FINANCIAL FREEDOM - by Submitted on Jan 03, 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: 1546(6 votes) - What Are The Best Investments For You? - by Submitted on Jan 06, 2010 from John HanlinThe "best investments" for an investment portfolio can and should vary by investor. In other words, "one size does not fit all". This is because each of us has a unique "investment personality" that is a derived from of our upbringing, investing experience, job history, economic climate, and ...
Views: 1517(11 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: 1739(25 votes) - On Efficient Diversification - by Submitted on Dec 17, 2009 from Santosh SequeiraIf you ask any stock expert worth her salt what the most important rule of investing is, you will more than likely hear her chime, "Diversify!" But what really does diversification mean? And how many stocks makes a diverse portfolio? We will examine these questions, and, in the process, ...
Views: 1773(6 votes) - You Only Have ONE Chance At This... - by Submitted on Dec 15, 2009 from Jeanmarie KellerI was looking through my email the other day and I had an email from a reader that read something like this... "My daughter was valedictorian and had phenomenal grades in high school and her first year of college. She is currently a sophomore in college; can't anything be done to help her ...
Views: 691(2 votes) - How to Refuse A Loan Request from a Friend - by Submitted on Dec 11, 2009 from Bette Lawrence-WaterHave you have ever loaned money to a friend or family member when you really didn’t want to because you felt you had to? Then, here is some timely advice for you: Never feel that you must surrender when it comes to making a decision about whether or not to loan your money. There are ways for ...
Views: 7601(5 votes) - Business Tip: Income Goals - by Submitted on Dec 10, 2009 from Barbara PhillipsCome January 1st, most people start thinking about their goals for the coming year. Goals are a big deal however... and I think waiting until the end of December or into January is a bit late to get started. Now is the time to really starting thinking about and writing down your personal and ...
Views: 1082(3 votes) - How Medicare Fraud Effects All Medicare and Medigap Participants - by Submitted on Dec 09, 2009 from Wiley LongWith the nation's attention focused on the current healthcare debate, many U.S. citizens are growing increasingly concerned over the promise of an increase in healthcare bills over the coming year and decades. Medicare participants, especially, stand to see a significant increase in the cost of ...
Views: 1191(3 votes) - Financial Resiliency? Five basic tips to help you bounce back! - by Submitted on Jan 26, 2010 from Kathy Jo PollackResiliency is personal. Add money and you get even more personal. As we strive to become more resilient with life’s challenges and complexities, I would like to provide five basic suggestions to help you achieve Financial Resiliency. 1. Continue to learn and grow. This is ...
Views: 4398(7 votes) - Why isn't Financial Education Taught in Schools? - by Submitted on Dec 08, 2009 from Daniel BrittonIf ever there was a time for better financial education then surely it is now? When you look at the state of many of the economies around the world it’s a mystery why financial education is not compulsory schools. It is easy to blame banks, big business or governments for the current climate but ...
Views: 5701(1 vote) - His Money Didn't Help Him At All - by Submitted on Dec 04, 2009 from Ted CiubaI caught the papers traveling in the UK recently, and oh, God rest his soul, a banker/businessman, Hywel Jones, from North Wales was shot in the Bahamas. He was working in the Bahamas—that's where his office is—and was shot two times at close range when he came to work at 9:30 a.m. The article ...
Views: 2677(3 votes) - Using REO Flips to Build A Base of Private Lenders - by Submitted on Dec 03, 2009 from David LindahlIn a previous article, I pointed out that coming up with the funding to support commercial real estate purchases may be both intimidating and even prohibitive for many real estate investors. If this scenario rings true for you, then you might consider something a little more basic to help ...
Views: 1311(6 votes) - Reinvesting Proceeds from REO Flips Into Commercial Properties - by Submitted on Dec 03, 2009 from David LindahlIn a previous article, I pointed out that coming up with the funding to support commercial real estate purchases may be both intimidating and even prohibitive for many real estate investors. If this scenario rings true for you, then you might consider something a little more basic to help ...
Views: 1576(10 votes) - Business Tip: Building Your Cash Reserves - by Submitted on Dec 01, 2009 from Barbara PhillipsCertainly you have heard from financial experts that you should have a three month cash reserves at all times. The premise behind this is to protect you should you get sick, loose or job or have unexpected expenses crop up. This is even more important for your business. In fact, three months ...
Views: 1184(2 votes) - Driving Under The Influence (DUI) And Car Insurance Don't Mix - by Submitted on Dec 04, 2009 from Kade PhillipsDrinking and driving is obviously a mistake for many reasons. One of the effects of a 'driving under the influence' conviction that many people fail to realize - is just how severely your car insurance rates can be affected. If you're covered by a policy at the time you're convicted of a DUI, ...
Views: 1536(3 votes) - Recession-Proof Holiday Style - by Submitted on Jul 12, 2010 from Sarah HathornWith the current economic situation continuing to restrain spending, I don’t foresee that many companies will throw the kinds of extravagant holiday parties of years gone by. But you may receive invitations to holiday parties, and don’t RSVP that you won’t be attending just because it is going ...
Views: 1217(3 votes) - Mortgage Wellness Part 1: Stop Paying Too Much! - by Submitted on Nov 20, 2009 from Lin EnnisOne doesn’t hear it from mainstream media, but most people are still paying their mortgages on time, every time. Even if defaults rise to 25%, three-quarters of mortgagors will still be all right. With that in mind, you can fine tune your mortgage’s health. First, a basic principle. How you ...
Views: 1369(2 votes) - Evaluating What's A Good Credit Score - by Submitted on Nov 19, 2009 from Frank RodriguezA good credit score represents a person's dedication to remain faithful to financial obligations. Your credit score is reported by the three major credit bureaus. These credit reporting agencies keep track of credit status. If you apply for a line of credit, the lender or Credit Company will ...
Views: 2801(2 votes) - In Case of Bad Credit-No Credit Check Secured Loan –Correct Answer - by Submitted on Nov 17, 2009 from Robart WatsonGetting a No credit check secured loan is quite hard if you do not have any security to offer. A positive credit details is something, which gives comfort to the lenders. In the absence of a security and credit check they impose strict conditions for lending. A proof of continuous employment and ...
Views: 694(2 votes) - Reset, Renew and Remember as You Celebrate Your Holidays - by Submitted on Nov 14, 2009 from Pat HeydlauffWith the holiday season rushing toward you at warp speed and Thanksgiving just days away, are you already thinking, “How am I going to get everything done this year with less time and less money?” Are you so worried about all the details and how to pay for it that you will never get anything ...
Views: 1463(2 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: 1610(25 votes) - Two Money Making Opportunities - by Submitted on Nov 09, 2009 from Steve GillmanThere are some jobs that could be considered money making opportunities. Movie star and professional football player come to mind. But if you don't have the talents necessary for those you won't likely get rich with a job. That leaves investing and starting a business as the best alternatives. ...
Views: 1822(2 votes) - Emergency Fund: Save for that Rainy Day - by Submitted on Nov 08, 2009 from Frank RodriguezThese days it is more important than ever to have an emergency fund prepared for the inevitable. You could become ill for a long period of time or your car may require some major repairs. There's always a chance you could get laid off or fired. Your company could downsize. The list of ...
Views: 823(1 vote) - The Facts of Registered Pension Plan (401k) In US and Canada - by Submitted on Nov 07, 2009 from Kyle NortonA. Types of Registered Pension Plan Registered Pension Plan is a form of a trust that provides pension benefits for an employee of a company upon retirement. RPPs (401k) are registered with the government. The employee and employer, or just the employer make contributions to this retirement ...
Views: 3710(5 votes) - Knowing How To Determine Your Eligibility for Disability Benefits - by Submitted on Feb 28, 2010 from Michael RelvasDisability insurance is a financial product designed to protect a person’s ability to earn an income. If an injury or illness prevents you from working, a Disability insurance policy will provide you with a monthly benefit to replace a percentage of your income. Disability coverage can ...
Views: 1133(3 votes) - ***4 Pre-Retirement Requirements For Investing Your Money - by Submitted on Nov 02, 2009 from Bill LoseyQuestion: What are some things I should keep in mind if I want to reach the goal of retirement within three years? Thanks in advance for your response. Lorri, MA Answer: Lorri, whether your goal is retirement in 3 years, a new car in 5 years, or college education in eighteen years, in order ...
Views: 1446(1 vote) - Economic Depression Survival Tips - by Submitted on Oct 29, 2009 from Steve GillmanThe following economic depression survival tips are all about preparation. With a bit of street smarts and a willingness to do what's needed you can survive losing everything. But it is better to prevent that from happening in the first place by being prepared for some worst case ...
Views: 2394(2 votes) - Nine Tips to Save Money on Meat and Poultry - by Submitted on Oct 29, 2009 from S. L. SimmonsAccording to a 2008 survey by the U.S. Department of Labor, the average family of four spent $5,478 on groceries, including $1,201 on meat, poultry, fish and eggs. Reducing costs in this area clearly could save hundreds of dollars a year for many families. Listed below are some tips to help keep ...
Views: 920(2 votes) - Crown Financial Ministry: Larry Burkett Program Leads the Path to Financial Freedom and a Total Money Makeover - by Submitted on Oct 26, 2009 from Diana HazlettThe Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of “Why Didn’t Anyone Teach Me This?” has learned these important financial fundamentals and continues teaching and ...
Views: 2099(2 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: 782(3 votes)