Personal Finance Pages Articles

Finances for the Freelancer - Budgeting and financial planning are great ideas, but how in the world do you budget or plan when you don't know from one month to the next how much
Uncover Your Unclaimed Money - Unless you won the lottery this week you would probably be excited to find money owed to you. Unclaimed money and property in excess of $25 Billion
Creative Home Equity Strategies for Retirement - The Baby-Boom generation is nearing retirement and it is clear that millions of aging Boomers are financially under prepared. Reasons are many - poor
7 Instant Ways to Save Anywhere Online - Online shopping is convenient and fun, but did you ever shop for something only to find that the products were not that cheap once you include shipping
Money Makes the World Go 'Round - I got to thinking about money after a meeting the other day. It is probably the #1 worry people have. I would say health comes first, but it only seems
15 Ways An Average Person Can Overcome Increasing and Overwhelming Debt - Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily,
Debt-Free Abundant Living - Getting Your Finances Organized - They start arriving in January and send us into a dither. They are the tax forms—1099-R, 1099-INT, 1099-DIV, 1099-MISC, SSA-1099, 5498… Will you be
A Budget is No Good Unless you Think it is - Managing Money on a tight budgetDuring my time at Xplosiv Enterprises I have researched thoroughly some mindsets about the home finances. We used a
Working Savings into Your Budget - It can seem difficult at times to put aside money for later, especially if you find yourself trying to make ends meet on a limited budget. Luckily, there
Budgeting Tip - Give Every Dollar a J-O-B - If someone were to ask me to give them one piece of advice regarding their money I would tell them one thing (and I wouldn’t hesitate at all in telling
Understanding Fixed Income Securities: Expectations - I’ve come to the conclusion that the Stock Market is an easier medium for investors to understand (i.e., to form behavioral expectations about) than the Fixed Income Market.
Go for the 'Reversible Decision' - A Great Way to Leave Financial Regret Behind! - If you’re just fresh out of school, you may or may not have had the ‘privilege’ yet of regretting some of your financial decisions. But the time is coming
Your Guide To Retirement Planning - In life, nothing is permanent in this world. Everything that comes will definitely go. That is why it is best to put our best foot forward and save more for the future.
7 Secrets to Having a Financially Healthy Family - How many times have you replied "We don't have the money for that" when your child asks you to buy him something? His innocent reply is "Get some from
Surviving the 2005-2006 Winter Heating Bills - Heating your home or apartment is not just something you want to do during the winter months, it's something you need to do to survive. With energy prices
Organization Reduces Late Fees and Overcharging - Debt is a subject that no one likes. Once you are out of debt, you make a commitment to yourself not to return to that place. One morning you are sitting
Buy a Car with Bad Credit - A car is a necessity for most of us. It is difficult to make a living without having a reliable means of transportation. You can take the bus or train,
4 Steps to Take in Your Race to Riches - Anyone who has ever run in a race knows that every lap counts. A mistake early can force you to work hard to catch up, an error late can wipe away precious time and energy.
What is Index Trading? - Almost everyone has heard about index trading but fewer than 5% of personal traders actually do it. One of the most heavily traded indexes is our very
How Do I Prepare for Retirement? - When the day finally arrives, will you be ready? What do you need to do? How do you need to prepare? Well, if you are over 10 years from retirement,
Save Money on Medical Expenses - If you are in good health, you may rarely think about the money you spend on doctors and medicine throughout the year. But if you keep track and add
How to Obtain a Non ChexSystems Bank Account Without Being Scammed - Predatory lending exists in the mortgage industry. It's typically when a mortgage broker add's on unnecessary fee's to a bad credit application, because
Are You Having Difficulty Meeting Your Financial Obligations? - Many individuals are experiencing difficulties meeting their financial obligations from month to month and the monthly payments are overwhelming and
Students Investing in Their Future Need to Manage Their Finances Today - With the A-level results coming out, the long wait for UK school leavers hoping to go to university will soon be over. All the hard work that has been
One Income Source Is Not Enough! - My personal opinion is that in today’s new economy, it is wise to have multiple income streams. Reliance on one income source poses a risk to individuals,
Saving Dimes Can Go a Long Way - On the other hand, there are those people who are saving dimes and every other cent. Perhaps its because they hate the clutter of change but want to
Budgeting -- The Critical Flaw That Causes Most Budgets to Fail - Budgeting. It's a word we're all familiar with. Everyone knows what a budget is, right? Yet how many of us actually make and stick to a solid monthly
Avoiding A Nightmare On Renovation Street - You've decided you want a bigger, better and more desirable house. How do you determine when to renovate, what to do and importantly, how much will it
Do You Really Need the Power of Money Management Software? - I have been a loyal user of Quicken(R) for more years than I can remember. But a conversation the other day with my youngest son started me wondering
Knowing Me, Knowing You: Why ID Protection Plans Are Flawed For Fraud - ID theft is a major consumer concern, though there is apparently much confusion about proactive protection initiatives and apparently safe and unsafe spending behaviour.
Portfolio Planning can Lead to Irreconcilable Differences - The judge had to ask the question, and we had to answer it in order to get our divorce finalized. It was all supposed to be pro-forma.“Why are you getting
Want Your Savings to Earn a Higher Rate of Return? Try Internet Banking - Doesn't it seem like the only impressive numbers we've seen this summer are the digits on the thermostat and the unaffordable prices of homes? Real estate
What is a Traditional IRA? - With a traditional Investment Retirement Account (IRA) you pay taxes when you take the money out at retirement in the future. Make sure that this account
How Check 21 Affects You - The Check 21 Law is the new federal law for financial institutions and has taken effect last October 28, 2004.Before the Check 21 law was enacted, your
How to Attain Your Dreams on a Single Income - If you recently became a single parent and see your dreams being washed away because you feel all alone, you aren’t alone. There are single parents
Single Mother Resources Directs You Towards Success - As a parent you are bound to face a few challenges but as a single mother you are bound to face challenges almost everyday. Raising a child is not meant
Retirement Income Needs---Less Than You Think? - It is widely written that you need 75% of your presentincome to maintain your present life-style in retirement. Ifyou make 100 thousand now, figure
First Checking Account – When is it Time? - We all know that money doesn’t grow on trees, but we all need it to survive. The use of cash will only go so far in life, as you can’t send it through the mail.
How to Balance Your Checkbook – Get a Calculator and Pencil and You are Ready To Go! - Despite how easy it is to balance a checkbook, very few people take the time to do it and the few who do, don’t always do it the right way. If you write
Saving Money On Gasoline For Your Automobile - The gas that we fill our tanks with every week adds up to be quite an expensive bill over the months and years. Thirty dollars a week in gas adds up
10 Steps To Improve Your Financial Situation - Here are ten steps you can follow to help improve your personal financial situation and inevitably save more money:1. Pay Yourself WeeklyThis may seem
Developing a Budget? Watch Out for Those Budget-Bursting Gremlins - If you’ve developed a household budget to get your spending back in line or to just reduce stress, good for you! Creating and sticking to a budget isn't easy by all means.
Check Facts and Figures - Are you a check fanatic? Don't worry, you aren't alone. Millions of consumers write checks every year. In fact in the United States most consumers use
Make or Break Your Retirement! - The Prudential has dubbed those who refuse to leave home as"kippers" or "kids in parents' pockets eroding retirementsavings". Recent research concludes
Financial Fitness - Are You Exercising the Right Muscles to become Financially Fit? - Are your financial muscles well toned and healthy or flabby and weak? Do you want to change your relationship with money so you can have control over
Saving Money - Are You Doing Enough? - It is estimated that we, as consumers, waste an average of 30% of our paychecks on items we don't need or pay way too much for the items we buy. Since
Can You Afford Not To Look After Your Personal Finances? - Investing is a subject a lot of people don’t want to think about. And there is good reason for that. Investing seems scary. It either sounds like something
Know Thy Finances - The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D. Rockefeller--that
Organizing Your Finances - Thinking Outside the (Shoe) Box - If you’re like most people, your personal financial records are most probably kept in less than “Good Accounting Practices” standards. For example,
Budget Planning - It's Elementary My Dear Watson - Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller

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