Articles in Home | Finance | Personal Finance

  • Planning For Every Expense  By : James Calvin
    Making a budget for a home business start-up is more of an art than it is a science. No matter how exactly you think you’ve pinned down all your expenses, it’s guaranteed that more will appear that you either didn’t think of or just couldn’t have predicted. That’s why you need to make sure that you always plan for every possible expense.

    Things Break.

    Remember that any equipment you buy can go wrong, no matter how expensive or high-quality it was (this is especially tru...
  • Give Yourself a Raise in 2006  By : TJ Smith
    How would you like to earn more in 2006? Up to $4000 more? The answer is not by earning more, although that can help, it’s by cutting back on your daily expense.
  • The Woeful Inadequacies of Traditional Estate Planning: The Four Critical Questions You Need To Ask Yourself  By : Mark Kaizerman
    When I mention the words, estate planning, most people think of meeting with an attorney and drafting legal documents. Traditionally, those documents include a will, durable power of attorney, health care proxy and perhaps a trust. After you draft these documents, you meet to sign them, then you put them somewhere “safe,” cut a check to the attorney and breathe a sigh of relief because you finally have things covered. All is well and your estate is perfectly in order, right? WRONG!
  • Save Money On Products You Buy Every Day  By : James Brown
    Shopping with online coupons can help you save money on things you use every day. Online coupons sites offers hundreds of coupons that can help you save on items such as vitamins, auto parts and children’s clothing. Best of all, there’s no sales tax. You can often find free shipping and you will save yourself a lot of hassle between high gas prices and long lines at the checkout counter.

    Savings for health-related products discounted with coupons at simplybestcoupons.com r...
  • Making the Most of Your Donations  By : Roger Carr
    Wouldn't you like to multiply the impact your donations have on helping to make the world a better place? You can.
  • Learning The Value Of Money  By : blueboy
    This article describes how my father taught me the value of money and at the same time also showed me how to reach and attain the goals I had in my life.
  • Saving For Post Secondary Education  By : Dave Lympany
    Post secondary education is very expensive in North America and unless you are fairly wealthy will be a worry for most parents. Obviously, not all kids go onto University or College but if they do and you haven’t planned for it you could find yourself with a large financial burden. This would probably happen just when most families are looking at finally having some financial security

    A Registered Education Savings Plan - RESP - is vital for your financial health if you h...
  • 2006 Economy: How to Avoid Overextending Yourself  By : Murad Ali
    The U.S. is the world’s largest economy and is moving into its fifth year of expansion. The biggest risk is the housing market which is expected to slow this year and potentially drag the economy down with it. Many people are betting that the housing market will avoid a major crash but instead will plateau leaving prices stagnant. The resulting rise in interest rates could put a lot of families under financial stress.
  • Credit Counseling -- Why It Doesn't Work For Most Debtors  By : Charles J. Phelan
    Discusses why credit counseling has come under attack by consumer groups for failing to do the job it's advertised to do. Explains the main reasons for credit counseling's failure to provide debt relief for most enrollees.
  • Debt Settlement -- Why the Critics Are Wrong  By : Charles J. Phelan
    Explains why critics of debt settlement are wrong about this alternative to bankruptcy. Discusses the three main criticisms of debt settlement as well as the positives associated with this method of debt reduction.
  • Budgeting: The Critical Flaw That Causes Most Budgets to Fail  By : Charles J. Phelan
    Discusses the failure of most budgets to account for variable or irregular expenses. Explains the monthly averaging approach necessary to offset this problem.
  • When Debt Collectors Cross the Line – Bogus Threats & Illegal Collection Tactics  By : Charles J. Phelan
    Discusses common threats and tactics used by debt collectors in violation of the Fair Debt Collection Practices Act. Encourages consumers to take action against collection harassment by filing formal complaints with state Attorneys General or the Federal Trade Commission.
  • How to Quickly Improve Your Credit Score by Adding Positive Payment History to Your Credit Report  By : Charles J. Phelan
    Detailed, step-by-step instructions for improving personal FICO credit score. Easy to use tips that will pay off for consumers for years to come.
  • Money managing basics  By : mansi gupta
    Human beings are scaling new heights in almost all the spheres of life. The work that used to consume good amount of time earlier can now be comfortably finished within a few seconds
  • Post-Christmas Financial Difficulties  By : Mike Hanna -
    If you’ve spent more than your budget can cope with, then maybe you’re thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. Many of us turn to credit cards to help get through this terrible month. But without knowledge of the financial industry a person without a great income can fall victim to the evil grip of unscrupulous credi...
  • Developing a Successful Home Budget  By : Francis Kier
    Hoping for the best when it comes to budgeting rarely works out well.
  • Navigating the College Savings Programs  By : Francis Kier
    Educational savings accounts can fall short of the most important goal: a relevant education for your child's future. Here are some of the rules and problems that you need to consider.
  • The Threshold between Wealth Creation & Destruction  By : Francis Kier
    Every dollar that passes through your hands offers you the choice of creating or destroying wealth for yourself.
  • Curing Yourself from Leaky Wallet Syndrome  By : Francis Kier
    It only takes a single financial weakness to empty your bank account, and few people look hard enough to shore up their financial mindset.
  • Paying Your Bills On Time  By : Joseph Kenny -
    How many monthly bills do you get? You may have a mortgage bill, a car payment, heating, electricity, gas, telephone, television, and that doesn’t even begin with your credit card and store card payments. The fact of the matter is that people today have more monthly commitments than ever before. And with all these various bills it is very easy to forget to pay one on time.

    Then there is the wholly separate issue of whether or not you can afford all your bills. Sometimes w...
  • Kill Bills  By : Tom Justice
    Bills are like warts. They pop up when least expected, they’re ugly and annoying and seem to stick around forever. This article suggests various ideas to help eliminate those extra bills from cluttering your finances.
  • Budget For The Future  By : jclason
    Tips and tricks to save for the future and build up a nice nest egg for retirement. Following these simple methods will ensure that you have a nice little cushion for yourself no matter what your income!
  • Cut Your Utility Bill  By : SolarMan
    Well, we’re all reeling from our utility bills. So, what can be done to cut energy costs?
  • What Happened To My Money?  By : Mosiekk Conley
    Have you ever found yourself asking this question?

    If you have you are not alone. There are thousands of people who find themselves looking at their bank statements or calling their banks and asking this same exact question.
  • Online Banking Made Easy  By : Joe Folger
    Here's a really simple way... to have your banking handled with no muss, no fuss... on the internet.
  • If You Want To Make Money: Avoid Debt!  By : Rene Graeber -
    Everybody starting in life should avoid running into debt.

    There is scarcely anything that drags a person down like debt. It is a slavish position to get ill, yet we find many a young man, hardly out of his "teens," running in debt.

    He meets a chum and says, "Look at this: I have got trusted for a new suit of clothes."

    He seems to look upon the clothes as so much given to him; well, it frequently is so, but, if he succeeds in paying and then gets trusted again, he...
  • Rolling Over Your 401k Plan The Easy Way  By : Stu Pearson -
    So what is a 401k retirement plan? A 401k plan is actually a retirement investments plan that is subsidized by employee or worker payments and often, corresponding involvements from your manager or employer. In addition, the most important draw for these plans is that the payments are taken from your pre-tax wage, and the funds rise tax-free until such time that it is withdrawn or pulled out. Also, the plans are, to some degree, independent and self-sufficient, and the good t...
  • Commercial Surety Bonds: Getting The Best Rate (Part 1 of 2)  By : Michael Weisbrot
    There are many factors that a surety looks at when underwriting commercial surety bonds. Learn what the bonding companies review and how to become the lowest risk possible so you can obtain the lowest surety bond rate.
  • Finance Your Child’s Education – Stress Free  By : DJ Nelson -
    In 2002, the average annual cost for a public university was $9,338. It is estimated that by 2017, the average annual cost will be $19,413. And that’s just for tuition and credit fees. Let’s not forget about room and board, books, food, clothes and extra activities.

    With those figures it mind, it would be wise to start planning for your child’s education today.

    You already know about loans and scholarships but those aren’t the only options. You don’t have to go into de...
  • The Chapter 13 Meeting of Creditors - What to Expect  By : Leon H. Rountree III, Esq.
    Article about what to expect at the Chapter 13 Bankruptcy Meeting of Creditors.

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