Articles in Home | Finance | Personal Finance

  • Working In Retirement  By : Chris Cooper -
    Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.

    They believe a sufficient percentage – some estimates are as high as 80% - will continue to work in some capacity or another, relieving much of the pressure o...
  • Bankruptcy Forms: Having The Right Ones  By : Ian Anderson
    Filling out bankruptcy forms can be one of the most difficult parts about filing for bankruptcy, although these forms are a necessary evil to complete the legal process.
  • 8 Money Myths  By : L. Langemeier
    8 Myths about money that harm our financial lives.
  • Your Ticket To Financial Freedom  By : Vincent Murphy -
    Now days it is nearly impossible today for the average family to thrive on a single income. However, the skyrocketing cost of child care makes it difficult for both parents to work. Fortunately, the internet has made making money online a suitable income option without the need for commuting or day care.

    Making money online means much more than entering contests and sweepstakes; it is not uncommon to see a professional create a home business in computer programming, accoun...
  • Reform Aimed At Personal Finance And UK Savings  By : Mr Hanna -
    The Pensions Policy Institute (PPI) has issued a report which supports the Pension Commission's recent demand for reform in the structure of the basic state pension. In fact the report goes further than simply backing the report, it calls for reforms to be implemented more rapidly than the Commission has recommended.

    Essentially, the reforms that are proposed are for simplifications to be made to the current variations in available state pensions for those who are eligible...
  • Building An Emergency Fund - A Vital Part of Financial Planning  By : Richard Callaby
    None of us have the ability to foresee the future or predict the hurdles which lie ahead of us. This makes building an emergency fund a financial priority. Building an emergency fund is healthy for your financial well being, since you’re rarely given advance notice of a setback or an accident which will keep you out of work for an extended period. It is also a safety net that can save you from bankruptcy or severe financial hardships in the event of an unexpected change in your income or expenses.
  • Is It Really Necessary To Create A Family Budget?  By : Richard Callaby
    The thought of budgeting may seem simple to do, right? However, if we really get into it and try to balance our income and expenses, we realize that it’s not that easy to do. Still, having a budget or spending plan can help us manage our finances better.
  • Id Theft, What Is This And How Do I Protect Myself?  By : Nocita
    Learn information about how to protect yourself against identity theft and what you should consider doing if you believe that your identity has been stolen from you.
  • Do You Know What’s Going On With Your Pension Plan?  By : Nocita
    Provides information and tips on how you can stay informed of the changes to your pension plan.
  • Simple Secret to Savings: Start with a Single Step  By : Yohana Vargas
    Simple steps to help you jump start your savings by doing the things you normally do.
  • Solve your financial dilemmas  By : Bob Benson
    No one likes to budget. It’s a lot of work for little reward. But the secret of budgeting and personal financial management is simply to ensure that there’s just enough money left over each month to pay your bills and maybe have a little fun
  • Bankruptcy Information: Some Basics  By : Ian Anderson
    As bankruptcy is one of the most important financial decisions a business or individual will ever make, it is essential to have correct bankruptcy information before getting starting with the process.
  • Financial Planner Basics  By : Simon Oldmann -
    What is financial planning, and why it is crucial for you.

    Even if you do not think you are a financial planner, you better start thinking like one fast. In the United States, there is an approximate of 5.6 million people who are either self-made millionaires or financially independent. And what is so hard to believe about that statistic, you ask? This is because that is only about 5% of the American population.

    The remaining 95% of the American population (we're talkin...
  • Why do we need to invest?  By : Debra Lohrere
    Discusses why the world's aging population impacts on the need for personal investments.
  • Oprah’s Debt Diet: What It Is and How You Can Benefit from It  By : Shelly Lowery
    Oprah’s Debt Diet includes a step-by-step guide on overcoming debt. It is important to note that getting out of debt will not happen over night. That is why Oprah’s step-by-step guide is important because it helps debt ridden individuals change their daily habits over time. If you are currently searching for a way out of debt you are encouraged to read on and learn a few of the steps in Oprah’s Debt Diet.
  • Cash Is King  By : Thomas A Martucci
    Cash Is King is the basic principle of using cash instead of debit/credit cards whenever possible
  • Financial Budgeting, Income, Costs and Hints (Part 1 of 5)  By : Kaval Patel
    The 1st of a 5 part series covering aspects of Personal Financial Budgets and moving forward.
  • Bankruptcy Law: Some Important Facts  By : Ian Anderson
    As applying for loans, credit cards and other forms of credit are easier to come by, so are the bankruptcy rates in the United States. In a ten year period, between 1994 and 2004, bankruptcy rates in the United States nearly doubled.
  • Family Budget Secrets to lower Household Expenses, Higher Family Income and wise money management  By : Alfred Fraser
    The Home Budget, finances and uncontrolled expenses have caused unhappiness and divorce. Learn the three areas to look for wealth if you want to increase the Family Income and reduce household expenses.
  • How To Save On Magazine Subscriptions  By : James Brown -
    Reading is our essential necessity for information. Everyone knows that periodicals are the best way to get updated information – from business and current affairs to latest fashion trends and movie reviews. We all are different, so are our interests. The vast range of popular magazines is there to satisfy our any information need.

    Through thousands of categories and titles you can definitely find the ones that will become your family’s favorites, advisors, best friends. E...
  • 3 Ways to Save Money Instantly Online  By : Jean Gibbons
    There are three easy and fast ways to save money online. Find these helpful tips and advice to help you save the most money on your next online purchase.
  • Planning For Your Retirement Tips  By : Bob Benson
    When you are planning for your retirement, a 401K plan is a good place to start. This a very special account that you fund with pre-tax earnings and is deducted from your paycheck each pay period
  • Bankruptcy Lawyer: When to Hire One  By : Ian Anderson
    If you are having difficulties with finances and are considering debt consolidation or bankruptcy, you may also be considering hiring a bankruptcy lawyer.
  • Want Free Money? It’s Easier Than You Think!  By : Jessica Roop
    Use this simple technique to save hundreds or thousands every year in purchases made at the stores you shop at reguarly.
  • Spending Less On The Things You Buy  By : Jessica Mele
    You spend a certain amount of money each month when buying things. This article will help show you ways to spend less when buying these items.
  • Living Debt-Free  By : Debbie Dragon -
    Do you dream of living without the burden of excessive debt hanging over your head? It’s possible, but not easy. Living debt free requires financial discipline, all the time. To become debt free and maintain a debt free life, try the following three steps:

    1. Get rid of existing debt. This is obviously your first step to living a debt free lifestyle. Cut up any credit cards that you currently have in your wallet, purse, or desk drawer and do not apply for or accept any oth...
  • Accountant  By : Jason Gluckman
    An accountant is a person who manages financial issues, including the preparation of financial plans and budgets, as well as the management of accounts and staff welfare.
  • Roth 401k – New Retirement Savings Plan.  By : Simon Fox -
    Brand new employer sponsored retirement plan is a hybrid of a traditional 401k and a Roth IRA.

    Income tax rates have been cut, the marriage penalty done away with, and the "death tax" is also on a path to no more. All of this is a result of the Bush administration's Economic Growth and Tax Relief Reconciliation Act which was passed by a Republican congress in 2001. Another provision of that act went into effect on January 1st, 2006, a hybrid of a traditional 401k and a tra...
  • Why Gas Prices Go Up and Down  By : Lisa Beers, BeersDesign.com
    There are five primary factors that effect the price you pay for gas at the pump. Learn the truth about the five main factors that detemine how much your family pays for gas.
  • Budget Backyard Family Vacations  By : Cheryl Johnson -
    When travel and lodging are cost prohibitive, you can still have a vacation right at home. Yes, in your own backyard. Many of us live within reasonable distance to museums, campgrounds, historic sites, and beautiful state parks. You might be surprised at what you find in your own local area.

    Do some research in your area to find free or low cost activities and sites to visit. Schedule something for each day of the week, even if it's just a park visit for a picnic. Some are...

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