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- How To Organize Your Personal Finances - by Submitted on Mar 19, 2013 from Samantha SeiffertOrganizing your personal finances is not an easy feat especially if you are used to spending left and right. However, recent economic struggles shook us from our comfort zone and our sense of financial security. What you thought worked before cannot remain to be your lifestyle now. While a ...
Views: 1988(2 votes) - Why Is It So Difficult To Lend To Small Businesses - by Submitted on Mar 19, 2013 from Joseph LizioSmall business have always had a hard time finding and securing financing – regardless of the state of the economy. But, why is this so? There are several reasons: There are mainly two types of organizations that provide small business loans. First – Funds: 1) Your typical bank or ...
Views: 1150(1 vote) - Can You Scientifically Attract Money & Wealth? - by Submitted on Mar 13, 2013 from Hal Wechsler“Can you “Scientifically” Attract Money & Wealth or Is It Bull? My friend’s daughter was 21, and always complaining about the absence of money in her bank account. “Paycheck to paycheck, behind in the rent, & worse, always thinking of the “Lack” of funds. I hate my life, and I see “debt” ...
Views: 1913(1 vote) - The Importance Of Having A Financial Vision-Part I - by Submitted on Mar 11, 2013 from Dr. Mike JacksonThe Importance Of Having A Financial Vision Do you have a vision for your financial future? Where do you see yourself financially in the next 3-5 years? If you don't have a vision for your financial future you will never reach it. You will be in the same situation or worst 3-5 years from ...
Views: 1193 - If you work hard, everything will be okay mantra - by Submitted on Mar 07, 2013 from Takeshi YashimaI don't know how often I heard from people saying that you have to work hard. The things they constantly claimed to me had been: When you work hard, everything will work out okay. This thinking is still pretty mainstream. Even today, I pick up this particular word through a lot of people, such ...
Views: 1725 - Stocks - What Cost, Price and Value Means in the Stock Market - by Submitted on Mar 12, 2013 from VVK Prasad VivekamInvestors dealing in stock market often use terms like cost, price and value as synonyms although they are quite different from one another. Any two of them could be same at a given point of time but are unlikely to be at the same level for too long. Price: Price of a stock is the rate at ...
Views: 801(1 vote) - What Budget System Should You Use For Financial Management? - by Submitted on Mar 05, 2013 from Samantha SeiffertA budget is not the easiest plan to follow. At the very least, it takes some time to get used to monitoring every penny that you spend on a daily and monthly basis. This is actually why some people are not enthusiastic in submitting themselves to these plans. Not only do they perceive it to be ...
Views: 1645(1 vote) - Grants for Minority: Real Help for Oppressed And Deprived People - by Submitted on Mar 05, 2013 from Leo TheisenGrants for Minority as the name suggests are for people, who are oppressed, stigmatized and deprived of basic necessities of life due to race, cast, religion and color. Some groups live in seclusion away from the development for strange reasons. It is learnt they fear oppression at the hands of ...
Views: 1140 - Calculating Income Tax Is More Than Just Math - by Submitted on Feb 26, 2013 from priya sharmaThere are many first timers who believe that calculating income tax is all about numbers and that the process involves only a few simple mathematical calculations after which the amount payable to the Income Tax Department of India can be derived. However, the truth could not be any more ...
Views: 1366 - How To Rebuild Your Life After Debt - by Submitted on Feb 18, 2013 from Samantha SeiffertGetting out of debt is an ordeal that not everyone can actually complete. It is riddled with frustrating moments, strength draining efforts and a various temptations that can really put some stress into your debt relief program. But if you stay true to the whole plan, you may just find ...
Views: 1971(1 vote) - Why People Pay Taxes While They're Able To Merely Create Money Out of Thin Air - by Submitted on Feb 17, 2013 from Takeshi YashimaI find extremely interesting post asking following question on my wall in facebook. That's, "Why People Pay Taxes While they can Simply print money out of thin air?" This is very great point... Everyone, I am talking about everybody have to at the very least look at the reason why this ...
Views: 1282 - Finance for Salaried People with Longer Tenure for Reimbursement - by Submitted on Feb 14, 2013 from Lettie MosesRepayment of borrowed amount is important for persons who secure finance from any source. Finance providers are very serious in getting back their investment within due time. They do not spare any one if their cash is not returned within the stipulated time. They are sure to punish the borrowers ...
Views: 913 - The main reason why 401K is a riskiest investment decision of all - by Submitted on Feb 12, 2013 from Takeshi YashimaEven with what actually happened in 2000 and 2007, most of the people seem to be using the typical investment vehicle, like 401K as his or her major investment vehicle (I got absolutely disturbed to discover just how many guru to be individuals right from investment / money blog continue to ...
Views: 1519 - Is There Such a Thing as Good Debts? - by Submitted on Feb 11, 2013 from Samantha SeiffertHave you ever heard the phrase “good debt”? Is there such a thing? If you ask anyone who had been in debt, there is no good debt. On that note, there is no bad debt either. What you have is a credit obligation that can turn for the worse depending on how you respond to it. Debt is just debt. ...
Views: 1445(1 vote) - Take Charge: Five Actions to Kickstart Your Finances in the New Year - by Submitted on Feb 11, 2013 from Mariano JaucoBuild momentum with positive action The new year is a great time to establish positive habits that build momentum toward your goals. Actions you take on your financial situation will contribute to a strong foundation for this year as well as the long term. And even when many things feel out ...
Views: 1392 - Why your business need budget planning services - by Submitted on Feb 07, 2013 from Leonnel IrukeEvery business owner need to be getting budget planning services from a reputable provider. The business growth is normally pegged on the decision that are made concerning it and such decisions are normally influenced by the financial and non-financial observations that have been recorded over ...
Views: 655(1 vote) - Why You Need to Consider Vault Boxes and Safe Deposit Boxes for Your Valuables - by Submitted on Feb 06, 2013 from Angelica ThompsonDo you have a lot of expensive items at home? This could perhaps be jewelry, cash, or any other type of valuable. Have you ever considered putting these items inside a vault box, such as a safe deposit box? Doing so would protect your items and ensure that nobody can steal them from you at any ...
Views: 921 - Dealing with Debt Desperation - by Submitted on Feb 04, 2013 from Samantha SeiffertOne of the greatest enemies that you have to overcome while in debt is yourself. There are many issues to address like your spending habits, financial management skills and most of the time, your overall lifestyle. Dealing with debt can be a painful and frustrating experience that requires ...
Views: 1421(1 vote) - Statistics Without Hassles - by Submitted on Feb 05, 2013 from Buce K OsbornThe science of statistics has been around ever since the early days of civilized communities. In the past statistics is primarily used to determine the population of a certain area and to determine certain details about a community such as categorization of their works or determining the ...
Views: 884 - Understanding Accounting with Ease - by Submitted on Feb 04, 2013 from Victor backsterAccounting is one of the essential parts of almost all of the economic activities that existed today. It has existed ever since the system of trade has been utilized by various races hundreds and even thousands of years ago. The simple idea of this aspect is to determine the growth or the ...
Views: 1347 - Household Expenses We Usually Forget in the Budget - by Submitted on Feb 01, 2013 from Samantha SeiffertBudgeting is a great way to manage your finances. However, there are cases when we forget to include a couple of very important and expensive expenses. When we fail to recognize and prepare for these costs, we end up putting our budget plans at a serious disadvantage. We end up having to eat up ...
Views: 1857(2 votes) - What To Do After Achieving Debt Freedom? - by Submitted on Jan 30, 2013 from Samantha SeiffertDebt freedom is a component of financial freedom. This is a time when you have paid off all your debts that has haunted you for a long time. This is a great achievement that did not come easy and you would want to keep it that way. After you have paid off your debts, you still need to exercise ...
Views: 1411 - How Virtual Incubation Beneficial For Organization - by Submitted on Jan 30, 2013 from Vinay Kumar AhujaVirtual Incubation helps the small businesses to find the capital sources for increasing the value of the small or large business. This incubation will help to manage and create many new ideas for the growth. The process mostly involves identifying the management tools for business process and ...
Views: 584 - What is Household Wealth and How Do you Make it Grow? - by Submitted on Jan 30, 2013 from Samantha SeiffertDid you know that your household wealth affects the local economy? By growing your household wealth, you are actually contributing to the overall state of the country’s economy. It is one of the things that is measured to identify if a country is in good and stable financial condition. While ...
Views: 1196(1 vote) - Abundance and Frugality: Should You Earn More or Lower Your Spending? - by Submitted on Jan 29, 2013 from Samantha SeiffertWhen you have to pay off your debts, you have a decision before you: do you earn more or do you lower your spending? Both of these choices have their own pros and cons. Ultimately, your choice will depend on what you are willing to sacrifice. Earning more will help you keep the lifestyle that ...
Views: 1438(1 vote) - Saving Tips for Your Home - by Submitted on Jan 25, 2013 from Samantha SeiffertWhen you know that you have been living beyond your means (a.k.a. you’ve got a huge balance on your card bill), there are two things that you can do. One is to grow your income so you can afford all the expenses that you got used to spend on. This may be effective but you may find that spending ...
Views: 1103(2 votes) - Unsecured Loan A Solution Fixtures On Short Term Emergency - by Submitted on Jan 30, 2013 from Jary StonePresently, loan has become the primary medium to survive their day-to-day life. In UK most of them apply for some or the other loans when they lack in hard cash to fulfill his needs. To fight from this situation one has to take the advantage of loan. But choosing the right loan for sudden ...
Views: 980 - Must-Have Habits While in a Debt Relief Program - by Submitted on Jan 22, 2013 from Samantha SeiffertApplying for a debt relief program is a great way to start heading towards a debt free life. However, that is only half the battle. You will encounter a lot of realizations as you go deeper into your debt relief efforts. Most of these will involve changing a few habits that will get you out of ...
Views: 1240 - How Will You Benefit From Credit Score Monitoring? - by Submitted on Jan 21, 2013 from Samantha SeiffertDid you know that monitoring your credit score can help you avoid financial problems in the future? In the same way that a temperature can help identify if you are sick or not, your credit score measures the health of your finances. So if you are in the process of repairing your financial ...
Views: 1625 - Kids and Money - Should allowance be given or earned? - by Submitted on Jan 18, 2013 from Daniel BrittonIt’s an age old parenting question, but one which still causes a huge amount of debate: should you give your child pocket money for doing chores? The best answer I can give you is, ‘sometimes’. One obvious reason for linking the two is to encourage a work ethic. Giving pocket money for ...
Views: 1807(2 votes) - Effective Financial Planning Requires Consideration of Taxes - by Submitted on Jan 16, 2013 from Jeffrey WaltonWhatever your income or stage of life, working with a financial planner can benefit you. Learning to make your money work its hardest for you can benefit you whether you're a nurse, a truck driver, a stockbroker, or a doctor. Some people don't think it's worth it to pay a financial planner ...
Views: 698 - How to Manage Debt Payments When You Are Short in Cash - by Submitted on Jan 15, 2013 from Samantha SeiffertDebt is a frustrating situation to be in - especially when you can barely make ends meet and you still have to worry about paying your credit. At the back of your mind, you know that it is your responsibility to pay them off even if you have no money to do so. So what do you do when you have ...
Views: 1495 - What Your Kids Need to Learn About Debt - by Submitted on Jan 14, 2013 from Samantha SeiffertMoney had always been a sensitive topic. It is also a crucial lesson that you need to teach your children. So if you are deep in debt, you need to clue in your children on the real situation of your finances. There is nothing wrong with being honest with your kids about financial matters. ...
Views: 1552(3 votes) - How to Achieve Financial Independence for Women - by Submitted on Jan 14, 2013 from Samantha SeiffertWhether you are married or single, it is important for women to know how to be financial independent. This goes beyond being able to afford your own things. It is more of knowing how you can manage your finances so you are able to live within your means. Financial independence means you are ...
Views: 2035 - 2013 New Year's Financial Planning Resolution - by Submitted on Jan 17, 2013 from Samuel LiFinancial Tips for 2013 Happy New Year, hope all of you just had a wonderful holiday! After a relaxing vocation to Hong Kong, I guess I better start planning for the year 2013. As I'm working through my own financial plan, I figure below are some ideas that might be useful to you. ...
Views: 1520 - How Your Accountant Can Help Establish the Right Business Structure - by Submitted on Jan 10, 2013 from julia lawsonA small business owner can often have lots of problems while growing his/her business to the next level. It’s always a tough task to do everything alone especially when a business owner is keeping the business targets by himself, and does not want his employees, family members or friends to help ...
Views: 594 - How to Use the Snowball Method to Achieve a Debt Free Life - by Submitted on Jan 08, 2013 from Samantha SeiffertDebt relief options vary and your choice will depend on your financial capabilities. As effective as they all are, you need to understand that most of them are suited for people who are in a real financial crisis. There are consequences to your credit score and if you do not want that on your ...
Views: 1376 - Seduced by Homo Fictus - by Submitted on Jan 08, 2013 from Russell HolcombeHuman beings are obsessed with stories. From the very beginning of our existence, we have used stories to explain the way of the world and make sense of the environment around us. Even as we sleep, our addiction to stories manifests themselves as dreams. In the book The Storytelling Animal, ...
Views: 1291(1 vote) - Avoiding Regret in Financial Planning: Be Prepared for Change - by Submitted on Jan 08, 2013 from Russell HolcombeRegret is a stern taskmaster. It simply will not let you rest. Thoughts of “coulda, woulda, shoulda” constantly nag at you and begin to gradually feel like the mental equivalent of having a pebble in your shoe that you just cannot seem to get rid of. In order to keep regret at bay, it is wise ...
Views: 740(1 vote) - Peruvian Lessons on Good Financial Planning - by Submitted on Jan 08, 2013 from Russell HolcombeA couple of years ago, I came across an article about a Peruvian man named Jorge Villanueva, whose story, while unfortunate has a great deal to say about financial planning. According to the article, Mr. Villanueva was scheduled to have an amputation on his left foot at a hospital in Callao, ...
Views: 676(1 vote) - Financial Planning: The Importance of "If" - by Submitted on Jan 08, 2013 from Russell HolcombeThe simple truth about life is that it is unpredictable. As humans, we try to plan and predict what the future may hold despite our inability to know for sure what lies ahead. With an unknowable future, having a financial plan is always a good idea. Plans keep us focused and on track in a ...
Views: 805(1 vote) - Don't Be the Bird on the Road - by Submitted on Jan 08, 2013 from Russell HolcombeLife is about knowing our limitations. In nature, it is an obvious fact that birds do not run particularly well, they fly. When they do try to run, the consequences can be deadly. This thought filled my mind as I swerved to avoid hitting the carcass of a large dead bird in the road. As I ...
Views: 687(1 vote) - Focus on the Bird in Hand - by Submitted on Jan 08, 2013 from Russell HolcombeThe old saying, “a bird in the hand is worth two in the bush” may seem quaint and cliché, but there is truth in its simplicity when it comes to financial decisions. In today’s financial world, we are bombarded with choices. From armies of financial advisors to the latest hot stocks, the myriad ...
Views: 782(1 vote) - Don't Pay Fixed Bills with Variable Money - by Submitted on Jan 08, 2013 from Russell HolcombeThroughout my time as a financial advisor, I have noticed one main difference between those who are secure financially and those who are not: how they pay their bills. Without a doubt, the main lesson I encourage each of my client’s to learn well is to never pay fixed bills with variable ...
Views: 826(1 vote) - Bricolage - by Submitted on Jan 08, 2013 from Russell HolcombeIn my opinion, the majority of investment advice out there seems like it just came off of a factory production line. For some reason, financial planning has become formulaic and advisors are trying to fit a variety of clients into a single mold dictated to them by higher ups in the firm. While ...
Views: 874(1 vote) - How to Start Saving for the Rainy Day - by Submitted on Jan 07, 2013 from Samantha SeiffertSaving really goes a long way and it may sound like a cliche but it can save your life. Given the right situation, you will find that it can get you out of really tight spots or provide for you and your family in the event that you are unable to do so. While the concept is not hard and it ...
Views: 1649(1 vote) - Things You Should Have Learned From The Recession - by Submitted on Jan 07, 2013 from Samantha SeiffertThe best lessons are those taught during the darkest moments of our lives. That is why with the economic troubles of recent years, there are bound to be a lot of realizations and learnings along the way. As we all struggled to grasp the unemployment, mounting debts and other financial ...
Views: 934(1 vote) - Important Household Expenses Your Should Rethink This 2013 - by Submitted on Jan 07, 2013 from Samantha SeiffertThe new year brings a chance to change something about our life. Why don’t we make sure that change is for the better? As the turn of the new year happens, it is just about time for us to rethink a lot of things about our lives. One of them are household expenses. We’ve all grown accustomed ...
Views: 1184 - Women and Money Matters: Tips in Personal Finance - by Submitted on Jan 07, 2013 from Samantha SeiffertEven though we want to think of our society as being very modern, there is something different about the way we accept situations wherein women are taking the lead. We are all used to seeing them govern households. However, when it comes to the workplace, business or anything related to income ...
Views: 1467 - How to Plan Your Debt Reduction Strategy - by Submitted on Jan 02, 2013 from Samantha SeiffertCreating a debt reduction strategy is not really difficult but it is important in ensuring debt relief success. Since the real challenge is in implementing your strategy, you have to set yourself up by making sure the plan you will create is doable and is the best way towards financial ...
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