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- ***How Long Will My Portfolio Last? - by Submitted on Oct 09, 2009 from Bill LoseyQuestion: If one has a properly diversified investment portfolio, what percentage do you feel is safe to plan on withdrawing annually so that my account value never decreases? Susan, New Jersey Answer: Susan, as long as you limit your withdrawals to the amount of interest, dividends and ...
Views: 1648(2 votes) - Tips for Avoiding Cash for Gold Scams - by Submitted on Mar 07, 2012 from Alex Tatarinov-LevinCash4Gold This company does extensive ad campaigns, using quotes from satisfied customers to attempt to gain the trust of prospective participants. The idea is that a person takes their unwanted gold items and sends them in an envelope to Cash4Gold. The company will then assign a value to the ...
Views: 1645(1 vote) - 5 Ways to Simplify Your Financial Life - by Submitted on May 28, 2011 from Cindy Parran BrochuDoes your financial life seem chaotic and crazy? When it's time to pay your bills, do you know exactly where you put them? I'm wondering how you are simplifying your financial life. Are you spending more on a monthly basis than you're actually making? Do you have several bank accounts that ...
Views: 1643(1 vote) - Cash Loans for Unemployed: Procure immediate cash resources - by Submitted on Sep 13, 2013 from Jason willAre you a jobless and trying harder to find a new job? If yes, all your efforts are going to get waste. In this period of recession, people with available jobs are discarded from their offices, so getting a new job falls in impossibility zone. Unemployment can become a blot in anyone’s life and ...
Views: 1635 - Tips To Build Up Your Emergency Fund - by Submitted on Mar 19, 2013 from Samantha SeiffertBuilding up your emergency fund will save you a lot of headaches in the future. You owe it to yourself to make sure that your future will be spared from the stress of dealing with a problem without any hope for financial assistance. Think about it. Wouldn’t it be great to be able to face your ...
Views: 1635 - 4 Tips on How to Find the Right Lender - by Submitted on Sep 07, 2012 from Alexandra SmithToday, let us consider several tips you can use to improve your chances of finding, not just a suitable bad credit personal loan, but more importantly, a reputable lender. Request for referrals from your close friends, relatives and co-workers, most especially from those who have just ...
Views: 1632(1 vote) - "How I Make And Save Thousands Of Dollars, Using Only My Subconscious Mind - And You Can Do The Same With Yours!" - by Submitted on Jun 09, 2004 from Terry GossThousands of dollars will be yours, just by using your subconscious mind. You get a very good feeling when you make new money. You also get a very good feeling when you save money. Here's how you can have and enjoy both: First, I'd like to share my personal story with you. When it ...
Views: 1630(1 vote) - Introduction to Tax Bill Payments on the Accounts in the UK - by Submitted on Jun 11, 2018 from Marta KaliIntroduction to Tax Bill Payments on the Accounts in the UK As a self-employed person, we must pay our income tax through the self-assessment. HRMC in the UK introduced something called payments on the accounts. They are the advanced payments towards your income tax. Unless your tax bill ...
Views: 1630 - Tips To Minimize Your Grocery Expenses - by Submitted on Mar 04, 2013 from Samantha SeiffertBudgeting is one of the key aspects in proper financial management. It does not matter if you were forced to budget because of your debt or a looming purchase that requires a huge amount of savings. Financial management is important to make sure you have a healthy household wealth. Part of ...
Views: 1628(1 vote) - Cost Friendly Weekends For People In Debt - by Submitted on Mar 11, 2013 from Samantha SeiffertWho ever said that you should stop having fun when you are in debt? Even if your budget is limited and most of your extra money is going to your debt payments, that does not mean you should suck out all entertainment activities. You can choose among many cost friendly activities that may ...
Views: 1627(1 vote) - 12 End-Of-Year Personal Finance Must Do's - by Submitted on Jan 29, 2013 from Tracey FarmerWith the end of the year looming, there are many tasks that must be completed before this impending deadline. There are even a few perks that might help to ease the transition into the new year. While I am by no means an accountant, financial planner or lawyer, I have come up with a list ...
Views: 1626(2 votes) - Steps To Help Save Money Now. Not Later. - by Submitted on Oct 26, 2010 from Mike PetersonFive things you can do today to curb your spending and bulk up your savings account. You tell yourself things will be different this time. Last time? You weren’t ready. You weren’t dedicated. Not like this time. This time, you’ll stick to your budget – no matter what. This time, there’s ...
Views: 1626(1 vote) - The Turtle Syndrome - by The mobile office is a long established reality. Today’s laptops are as powerful as most desktops and have as much memory and as many accessories. One can communicate through them, using faxing and electronic mail software. They can be connected to both mobile and fixed phones. A person can ...
Views: 1626 - Customers Like Newport Non-Menthol - by Submitted on Jan 05, 2011 from Donna MartinConvenience store retailers have found initial trial levels of the new Newport Non-Menthol cheap cigarettes to be about average, with much of the initial consumer interest attributed to temporary pricing, according to an exclusive CSP-UBS Tobacco Survey. "Most customers buying Newport ...
Views: 1624(1 vote) - Go Shopping in YOUR Closet - by Submitted on Sep 11, 2009 from Nancy KvammeGo Shopping in YOUR Closet How often do you stand in front of your closet thinking you have nothing to wear? Instead of heading to the mall, take a second look at your closet. I bet if you look way in the back you will find items you have not worn for awhile. It will feel like a new ...
Views: 1621 - How Long Will It Take To Double Your Money? - by Submitted on Oct 25, 2007 from Bill LoseyQuestion: I just inherited $50,000. If I put it in a bank CD, how many years will it take before it’s worth $100,000? Answer: 14.4 years – assuming your interest rate is 5%. In the financial planning world there is something called the “Rule of 72”. It’s a very simple way to compute and ...
Views: 1621 - Saving Right - by Submitted on Aug 30, 2013 from John SteelyWhen I talk to a person about their budget and their savings plan, I often get the question “How much should I save?” The usual answer I give has been around for a long time, and is clearly expressed in the book “The Richest Man in Babylon”. By keeping to this principle, you can start a ...
Views: 1621 - 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: 1620(18 votes) - The Four Types of Bonds and Investing for Returns - by Submitted on Jun 23, 2012 from Jamie BushBonds, types of bonds and how they work can get confusing. I’ll do my best to describe what I know about this area of investing. There are different categories of bonds that you can invest in. All bonds carry a maturity date and coupon rate. The coupon rate is the annual interest rate paid and ...
Views: 1620 - Are You Ready To Take Control of YOUR Financial Future? - by Submitted on Aug 10, 2009 from Lisa Moren BrommaDo you think is it too soon to begin planning for the tax changes in 2010 or think about how it will impact your retirement account? Absolutely not. “Now is the time to start to plan to take advantage of future tax-free funds”, says Hubert Bromma, CEO of the Entrust Group, the nation’s ...
Views: 1619(1 vote) - Did Your Bank Flip You “The Bird”? - by Submitted on Jul 08, 2009 from Cindy MorusAfter years of aggressive solicitations offering low balance transfer interest rates for the life of the loan, Chase recently sent thousands of its customers payment increase letters. Here’s what it means on a monthly basis: Balance: $10,000 Old Payment (2%): ...
Views: 1619 - Consumer Law Report Blasts For-Profit Colleges for Private-Label Student Loans - by Submitted on Mar 01, 2011 from Jeff MictaborA new report issued in January by the National Consumer Law Center accuses for-profit colleges of saddling their students with unregulated private-label student loans that force these students into high interest rates, excessive debt, and predatory lending terms that make it difficult for these ...
Views: 1615 - ***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: 1614(25 votes) - Comparing Annuities For Investment Purposes - by Submitted on Mar 24, 2010 from Lisa CintronMost people shopping for an annuity are looking for a way to save for a child's college fund, or for a future retirement. Annuities are either deferred or immediate. Immediate annuities require a lump sum investment and start paying out on the following month, while a deferred annuity requires a ...
Views: 1614(7 votes) - How Tax Payers have Gained in One Year of Modi Govt.? - by Submitted on Sep 20, 2018 from Sanjit AgarwalWhile the media is rife on analyses and discussions on the performance of the Narendra Modi-led NDA government, the tax payers got some tax concession in the form of enhanced deductions and exemptions. The extra concessions are supposed to put more money in the pocket of the tax payer and help ...
Views: 1613 - Schedule C Tax Tips - What's Deductible? - by Submitted on Feb 25, 2011 from Wayne DaviesWhat is the most frequently asked tax question? Are you ready? Here it is: "What's deductible?" That's it. Without a doubt, it's the most common tax question I receive every year. It comes in several forms, such as: -How do I identify all the deductions I'm allowed to take? -Is there ...
Views: 1613 - Is a Tax Relief Attorney Right For You? When to Hire an Attorney - by Submitted on Jul 14, 2010 from Matt RobinsonWhen you are facing tax issues such as unfiled returns or tax debts you can not pay, the experience can be overwhelming. Your own inexperience at such legal matters can complicate the process and result in the loss of your case or subsequent appeals. If you are in a situation involving tax ...
Views: 1612 - The Easy Way to Balance Your Checkbook - by Submitted on Jul 06, 2007 from Suzanne GlobkeYes, you can balance your checkbook every month to the penny with a minimum amount of time and effort. It is very important to do so in today’s world to prevent yourself from becoming a victim of fraud and identity theft. There are a few points to keep in mind when balancing your checkbook. ...
Views: 1612 - Debt Freedom – How To Get Out Of Credit Card Debt - by Submitted on May 06, 2012 from Brian FarrellGetting out of credit card debt is not that difficult. However, staying out of it is very difficult. So how can you get out of credit card debt and keep out of it forever? There are several reasons why credit card debt keeps on reoccurring. Firstly, on the practical level, credit cards come ...
Views: 1611 - Conditioning Your Financial Muscles for Change - by Submitted on Dec 29, 2005 from Joan SotkinEveryone wants more money. But if tomorrow you received a substantial raise or inherited $100,000, would you know what to do with the excess? You may think having more money will make things easier, but that’s not necessarily the case. Changing your financial position means making adjustments ...
Views: 1610(2 votes) - Definition: Financial Planning Advice - by Submitted on Sep 30, 2007 from Debbie MolisA Financial Planner or Personal Financial Planner is a practicing professional who helps people to deal with various personal financial issues through proper planning, which includes but is not limited to these major areas: tertiary education planning, retirement planning, investment planning, ...
Views: 1603 - Get Free Credit Report to Improve And Monitor Your Credit Score - by Submitted on Aug 01, 2010 from Kelli HicksFree credit report is essentially a summary of an individual's financial history. It includes analyzing the person's credit card accounts, loans, late payments, and bankruptcies, in short everything that prospective lenders need to know to determine creditworthiness. You have a right to access ...
Views: 1601(1 vote) - Boost Credit Score - How to Get Affordable, Professional Legal Help with Increasing Credit - by Submitted on Jun 04, 2010 from william robertsCredit score is mark of credibility and represents your previous repayment behavior. This is very simple to judge the credibility of a person by just looking at his score. Credit reporting bureau has set an automated system to calculate score according to your current and previous loans data. ...
Views: 1600 - Does Parents’ Divorce Translate Into More Student Loan Debt? - by Submitted on Jan 28, 2011 from Jeff MictaborA study conducted by researchers at Rice University and the University of Wisconsin and published in the December 2010 issue of the Journal of Family Issues concludes that college students whose parents are divorced or remarried receive less financial support from their parents than do students ...
Views: 1598 - Six Easy Peasy Ways of Making Money Now - by Submitted on May 09, 2013 from Matthew WoodDon’t kid yourself. Everybody loves the opportunity to make a little bit of extra cash. But wouldn’t earning money be even greater if it wasn’t that difficult – dare I say “easy”? What about if you actually enjoyed (at least a little bit) the task that proceeded those crisp notes ...
Views: 1597(2 votes) - Stop Spending Your Money on Higher Gas Prices - Use the Internet - by Submitted on Jun 23, 2006 from Andrew MalekGasoline prices continue to rise, costing you money. At the risk of dating this article, previously unseen U.S. gas prices of over $3.00 are now common in some areas. I know those in Europe and elsewhere pay much more, but we can agree over the past year that many countries have recently seen ...
Views: 1597 - 5 Tips to Cope with the Financial Crisis - by Submitted on Mar 20, 2009 from Fern Alix-LaRoccaMany investors are frightened as they watch the changes the economy is going through. The uncertainty about the future and the changes that are happening make people wonder what they should do and what do the changes mean to them? Here are 5 tips on what you should do: 1) Are you protected in ...
Views: 1596 - Trustworthy Review of Bankruptcy Websites - by Submitted on Dec 30, 2010 from Kali McCarthyIn creating http://www.doityourselfbankruptcysite.com , we have reviewed a great number of sites produced by lawyers and others, notably the "info-mercial" sites that are really lawyer referral sites, in order to determine what is available and what is missing (so we will position the "missing ...
Views: 1595 - Whole Life Insurance Questions - by Submitted on Sep 22, 2010 from Steven HartLife insurance is complicated for many people. What’s worse, a seasoned insurance salesman or persuasive website can make the benefits of a Whole Life policy shine like a diamond, but leave the uncertainties (usually, the fine print) in the dark. For this reason, this FAQ exists to educate ...
Views: 1595 - Credit Card Rewards for Charity - by Submitted on Jan 30, 2013 from Noreen RuthReward credit cards provide people with an opportunity to get a little extra by simply using credit for purchases. While there are tons of different personal rewards available for consumers to choose from, some individuals selflessly use the rewards programs to earn extras for charity. Chances ...
Views: 1594 - Moving Away? How to Financially Prepare for a Big Move - by Submitted on Mar 22, 2017 from Hannah WhittenlyMany people will admit that moving can be a very stressful and inconvenient process. Yes, there's usually a level of excitement when it's time to settle and enjoy your new place. However, the transition period can be challenging. However, things can go smoothly when you become intentional about ...
Views: 1592 - Do you think like a Millionaire? - by Submitted on Feb 18, 2016 from Lucas ThomasToday we will change your viewpoint of money. Showing you the different ways to make it work for you. By simply summarizing the positives and negatives of each. First off, let’s go over the two worldviews of money and how they differ from each other. The first one is the one most people know ...
Views: 1591(1 vote) - *** 5 Retirement Investing Tips - by Submitted on Dec 09, 2009 from Bill LoseyEach time we have a bad market, the media pundits starts saying “it’s different this time” and we all buy into it. The reality is they’re partly right because the circumstances surrounding each drop are rarely the same. However, I attended a conference and was shown how in each of the last 12 ...
Views: 1589 - Saving – Your Part in Fixing the Economy - by Submitted on Feb 23, 2011 from Robert Schmansky“Anything that we can do to raise personal savings is very much in the interest of this country.” – Alan Greenspan The FPA, along with more than 1,000 non-profit, government, and corporate groups, supports America Saves Week, this February 20-27. There is never enough to be said about the ...
Views: 1587(1 vote) - Credit Repair Mindset - by Submitted on Jan 21, 2011 from Matthew WierzbinskiYou have to consider your whole situation when you are thinking about undertaking credit repair. Do you have the time to do it yourself? Do you want to learn how to do it yourself? Are you comfortable doing it yourself? That is the same as asking if you have enough confidence to feel you ...
Views: 1586(2 votes) - Getting Started With Evaluating Mutual Fund Performance - by Submitted on Jan 31, 2012 from Mindy CraryWhen it comes to mutual fund investing, many people ask me how to evaluate the performance and quality of their mutual funds in their brokerage account, 401(k) IRAs, etc. Simply evaluating performance in terms of rates of return can be disappointing in our current environment; additionally, it ...
Views: 1585 - Keep Your Car Looking New With SupaGard Protection - by Submitted on Nov 08, 2011 from Toby CollinsWe all wish our car looked as good as it did the day we drove it out of the showroom. It's not long before the pepper red paintwork starts to fade and the mud starts building up around the flaps. After three years of kids’ in car meals, muddy puddles and spilt drinks, the average family car is ...
Views: 1585 - Looking For a Come Up: Cutting Unnecessary Spending on Electronics - by Submitted on Jul 04, 2015 from James BurbankThis is not a revelation of some sort, this is just a simple comparison and a few simple advice that I just love giving out to my friends. Since my line of work depends heavily on electronics, smartphones, tablets, various software, etc., I’m constantly involved in conversations that I would ...
Views: 1585 - Missing The Personal Franchise Wave? - by Submitted on Jun 23, 2008 from Andrew Van ValerA Personal Franchise is a legal and commercial relationship between the owner of a trademark, service mark, trade name, or advertising symbol and an individual or group wishing to use that identification, products or services in a business. Each personal franchise business (franchise) has been ...
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