Self Improvement Site
On The Internet! Take the Self Improvement Tour
On The Internet! Take the Self Improvement Tour
Financial Literacy Articles
We are currently looking for an Official SelfGrowth.com Guide to "Financial Literacy". If you have expertise in Financial Literacy and your own website and/or product for this topic, please review this form for complete details. The Official Guide Position is part of our Premium Placement Package
- How To Sensibly Consolidate Credit Card Debt - by Submitted on May 06, 2012 from Brian FarrellCredit card debt can make you feel awful, particularly if it’s getting out of hand and you just don’t know what to do about it. However, if this is the situation which you are presently in don’t lose hope, because there are debt relief strategies which will work for you. One very popular option ...
Views: 1742 - If We Knew Better, We'd Do Better - by Submitted on Apr 05, 2011 from Jinhee KimDid you know that about 95% of Americans fall into a financial category of making $99,999 a year or less? That means only 5% of Americans are reported to make $100,000 or more a year! As you can see, the financial gap is quite large and widening every day as the middle class is disappering ...
Views: 1742 - Painless Debt Relief: 5 Easy Life Mods That Can Melt Away Your Debt - by Submitted on Jun 28, 2011 from Jonny AndrewsSometimes being in debt requires people to downsize their life. It can be a chilling experience to see your past lifestyle collapse into a less than what you used to have. Unfortunately, the change has to happen. Downgrading your life to pay off your debt is truly unimaginable, but it is ...
Views: 1740 - Money, Credit, & Greed: 8 Tips Parents Must Teach Their Children - by Submitted on Oct 22, 2009 from Matthew TooneAs important as it is for children and teenagers to understand these 8 essential principles below – it is far more important that their parents actually know, understand, live and exemplify them before trying to teach them to their kids. 1)What Do Kids Want … That Money Can’t Buy: Our ...
Views: 1736(14 votes) - How to Consolidate Your Debt Without Getting a Loan - by Submitted on Dec 21, 2012 from Samantha SeiffertIf you like the idea of consolidating debts to make payments easier but you do not like the idea of getting a loan, you don’t have to throw out this option just yet. There are effective ways to get out of debt through consolidation without the need for a new loan. While it may work for some ...
Views: 1735 - 3 Simple Steps to a Stress Free Tax Season Next Year - by Submitted on Jun 17, 2010 from Sydni Craig-HartYou can almost hear the sigh of relief. Tax season is finally over! But that sigh of relief is different depending on your preparation and experience. If you had all your receipts and paperwork in order, the sigh of relief includes a smile because it was stress free and you know you maximized ...
Views: 1731 - Personal finances: 15 ways you waste your money - by Submitted on Nov 28, 2016 from Helen SheplyakovaHave you ever left the store with a bundle of bags and came home to find out that you actually bought a pile of things you don’t really need or like? Have you ever wondered why, no matter how much money you earn, you never feel like you make enough to support your needs and desires? Have you ...
Views: 1726 - There's a Fortune in Your Cupboard! - by Submitted on Jul 21, 2011 from LeTicia LeeIn my mid twenties, I was fortunate to have met a savvy retiree who was living comfortably on the interest from the savings she had amassed working as a paralegal. She never had a high salary. She had a high financial IQ. She told me there was a fortune hidden in my cupboards. She was ...
Views: 1726 - Personal Debt - Can You Afford More Debt? - by Submitted on Aug 08, 2010 from Dan CavalliWhen thinking about personal debt, most people think in terms of monthly payments. They will consider making a large purchase if the monthly payment seems affordable. Fifty dollars a month might not sound bad on the showroom floor, but even a small amount can have far reaching consequences if ...
Views: 1723 - The Difference Between a Debt Negotiation Agreement and Credit Card Debt Settlement Letter - by Submitted on Oct 03, 2011 from Vic ChevalierBeing delinquent on credit card debts is no laughing matter. The endless annoying collection calls, torturous threat of lawsuits, and fear of bankruptcy can create many sleepless nights. But, a debt negotiation agreement can take away a lot troubles. The following statistics explain why so many ...
Views: 1722(1 vote) - What If I Can’t Pay Credit Card Debt? - by Submitted on May 05, 2013 from Stephanie MojicaWhenever you apply for an account – whether by mail, telephone, Internet, or in-person – you are signing a legally binding contract. Thus, if you are unable to pay the bill for any reason the lender can legally sue you and also pursue garnishment of a portion of your wages. In some states, a ...
Views: 1713 - ***The Flu and Your Debit or Credit Card - by Submitted on Oct 29, 2009 from Margaret GoodYes, the flu season is upon us and those pesky germs are in the air. So what does this have to do with your credit card? Credit cards are usually stored in purses, trousers or jacket pockets. These places are warm and contain moisture which is a perfect environment in which germs thrive and ...
Views: 1713(1 vote) - Understanding What Impacts Your Credit Score - by Submitted on Apr 16, 2010 from Mandi HudsonYou know what a credit score is, but do you know how it is added up? The major credit bureaus each use their own variation of the Fair Isaac Corporation’s FICO method. This method breaks your score down into weighted categories, allowing your score to be determined based on the ...
Views: 1711 - The Art of Negotiation: Learn it and Make More Money! - by Submitted on Dec 04, 2013 from MaryEllen Tribby"Mom, I think I want to be president," Connor said. "Is that so? I thought you wanted to be a professional baseball player," I replied. "No, not when I grow up..." he explained. "I want to be president NOW." That's right! Connor, my 10-year-old, was nominated for class president. He ...
Views: 1710(1 vote) - ***Making A Volatile Stock Market Your VBF - by Submitted on Sep 13, 2011 from Steve SelengutMost people never forget their first love. I'll never forget my first trading profit --- but the 600 (1970) dollars I pocketed on Royal Dutch Petroleum was not nearly as significant as the conceptual realization it signaled. I was amazed that someone would pay me that much more for my stock ...
Views: 1709(15 votes) - Universal Life Comparison - by Submitted on Sep 22, 2010 from Steven HartUniversal life insurance is one of the main types of permanent insurance. Variable universal life and whole life insurance are the other two. Term life insurance sits in a category all-its-own, but it is the most popular type. Universal Life insurance takes the benefits of Whole Life and makes ...
Views: 1709 - What Your Insurance Company Does Not Want You to Know about Fixed Annuities - by Submitted on Jul 21, 2010 from Lisa CintronOne of the greatest features of fixed annuities is that they are reasonably simple. So, in reality, fixed annuity rates are not nearly as complex as variable annuities are. However, be aware that your financial advisor most likely won’t inform you that they are less expensive, because he will ...
Views: 1703(3 votes) - How Long Can You Be on Social Security Disability Benefits? - by Submitted on Apr 30, 2019 from Cash In A SnapThe Social Security Disability Insurance (SSDI) program offers Social Security disability benefits to people who qualify for federal disability assistance. People who receive SSDI benefits are also eligible to receive Supplement Security Income (SSI) if they are in poverty despite getting SSDI ...
Views: 1702 - What is the importance and types of commodity derivatives? - by Submitted on Jan 24, 2018 from Nayna BhardwajA commodity can be defined as a product or a material that can be sold and bought. Commodity market and commodity derivatives market in general have existed in India for over 100 years. Commodity tips are widely taken by many traders who trades in commodities. Among top five producers of ...
Views: 1700 - Fulfill Debt Elimination Plans Without Ruining Your Credit! - by Submitted on Nov 17, 2010 from Cole CollinsAlthough American borrowers regularly list credit repair as one of the primary motivations if not the central spur for entering into a formally arbitrated program for debt elimination, the breadth of debt relief alternatives available to the twenty first century consumer residing within the ...
Views: 1697(1 vote) - Offers In Compromise: No Reasonable Offer Refused - by Submitted on Feb 15, 2011 from mary richardsThis article is written for those that owe taxes whose amount of tax debt ratio pales in comparison to the income that they have coming in. This does not take into account that you must have a place to lay your head, eat, and enjoy coolness in the heat and warmth in the winter. Once these ...
Views: 1691 - 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: 1689(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: 1685(1 vote) - Choosing The Best Annuity Rates - by Submitted on Jun 24, 2011 from scott artichokeAnnuity rates are a hot topic at the moment as many retirees are ready to buy an annuity but with the market being at a 15 year low, many people are buying into a less attractive deal than anticipated. However, the Government along with other financial institutions are urging investors to stop ...
Views: 1683 - Avoiding Foreclosure - by Submitted on Jun 11, 2010 from Bryan SullivanForeclosure is very common in this sagging economy. Whether it is a friend or family member, or someone who is renting a place where the owner is no longer able to afford the mortgage, it is nearly impossible to talk to anyone who hasn’t in some way been affected by it. As a bankruptcy ...
Views: 1682 - What Story Do Your Numbers Tell You? - by Submitted on Jan 17, 2016 from Dawn ShulerEvery year I’ve done somewhat of a review of my business for the last year. Usually, it’s revolved around revenue, including my most profitable service or program revenue streams and my highest grossing clients. I also plan what programs I’m going to offer in the next 6-12 months, and plan my ...
Views: 1681 - Student Loan Debt on the Rise - by Submitted on Oct 28, 2010 from Jeff MictaborThe Project on Student Debt, an initiative sponsored by the Institute for College Access & Success (ICAS), has released its fifth annual report on the extent of student loan debt in the United States. The report examines student loan debt nationwide and on a state-by-state basis. According to ...
Views: 1678(3 votes) - What Your Broker Won't Tell You - By Stuart, Florida Financial Planner Craig D. Price - by Submitted on Feb 17, 2017 from Bruce CadleThank you to Craig D. Price for this Guest Post! I am a licensed investment advisor whose fiduciary duty is to act in my client’s best interest. However, for 23 years I was registered as a stock broker, so I know the brokerage business first-hand. Let me tell you some things you need to ...
Views: 1676 - Avoiding daily mishaps can help get money in order - by Submitted on Jul 16, 2010 from KRYSTLE CHANMaking a major financial mishap can often set a person's borrowing abilities way back. But it's often the small mistakes made daily that really put a dent in one's finances. A recent column by U.S. News & World Report highlighted some of the common mistakes as well as the perks of avoiding ...
Views: 1675 - Used Car Salvage Title Things To Look For - by Submitted on Mar 23, 2012 from Micko StojanovicA used car salvage title is a confirmation that the car is useless of being operated on road because of suffering a flood, fire, accident or certain other mishap. Differing Rules in Different Regions In United States different states give away salvage titles for varied degree of damage ...
Views: 1673 - 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: 1670 - Business Financing: Using Business Seller Financing - by Submitted on Feb 16, 2011 from GlobalBX .comWhat Is Seller Financing? When selling a small business, one of the most important things you need to consider is where to find your prospective clients, and how you can attract them to buy your business. Seller financing is one of the things you can offer to attract a wider scope of ...
Views: 1669 - How to Get the Best Offer When Selling Your Diamond Jewelry - by Submitted on Apr 25, 2012 from Alex Tatarinov-LevinSelling your diamond jewelry can be frustrating if you aren’t experienced in gemstone sales. Many people rush into an agreement without realizing there are better options available. The best way to make the selling process a success is to be patient. A large amount of offers you receive may be ...
Views: 1665 - Teaching Your Kids About Money - Setting the Financial Thermostat - by Submitted on Sep 02, 2010 from Daniel BrittonA key concept in teaching your children about money is the awareness that as an adult your past programming determines every thought that forms in your mind. With this knowledge we can give our children positive messages and a healthy financial conditioning. As a child our conditioning, ...
Views: 1665(4 votes) - Annuity Rates Compared- 8 Secrets Revealed for Financial Security - by Submitted on Apr 24, 2012 from Lisa CintronAcross the United States with the down turn in the stock market annuities have become a major part of the retirement and investment planning for many Americans. However, annuities are designed to be long-term investments, to meet retirement and other long term goals. Annuities are not suitable ...
Views: 1663(12 votes) - Top Tactics Toward Healthy Budgeting - by Submitted on Sep 14, 2010 from Cole CollinsThese days, it seems like the dollar stretches less and less. Oil scarcity (and the maneuvering of futures brokers) has not only raised the price of gas but effectively increased true household costs across the board. Even food staples like eggs and bread have seen their value skyrocket over ...
Views: 1663(2 votes) - Tips For Getting A Bad Credit Home Mortgage Refinance Loan - by Submitted on Jul 12, 2010 from Alan LimThere are ways on how you could protect your interests when getting a bad credit home mortgage refinance loan. Having a poor credit does not mean you are left with no choice but to stick with inferior credit products. There is a viable option to take if you find it hard to repay your ...
Views: 1656(1 vote) - 9 Financial Resolutions for 2016: Make Money your Priority! - by Submitted on Sep 20, 2018 from Sanjit AgarwalManaging your income and expenditure is important to ensure savings for a rainy day, but many of us ignore it in the tangle of our day-to-day lives. This year, along with weight management and more travelling, it would be a great idea to include money management in your New Year Resolutions. ...
Views: 1650 - An Economic Slant Resulting from a Three-Way Struggle Between America, Russia and the Vatican - by Submitted on May 20, 2015 from Richard RuhlingThe subtitle of Malachi Martin's best-selling “Keys of This Blood,” indicates that the super-powers are involved in a three-way struggle for world supremacy. The book may have overlooked our 500 point stock market crash a month after John Paul's visit in 1987. With the take-down of the ...
Views: 1650(1 vote) - Tax Lien Investing 101: The 4 Things You Need To Know - by Submitted on Dec 23, 2011 from Joanne MusaThere are 4 things that you need to know about the state/county that you are investing in before you purchase a tax lien. Those 4 things are: 1. The default interest rate 2. The bidding procedure 3. The length of the redemption period 4. The expiration or life of the lien Default ...
Views: 1650 - 5 Financial Tips for Newlyweds - by Submitted on Dec 19, 2014 from Aris MorenoWith getting married comes a lot of changes and these include your finances. Though dealing with money issues is not the most romantic of tasks, couples should take time to sort out their finances as soon as they return from the honeymoon. If you’re a newlywed couple, here are tips on how ...
Views: 1647(2 votes) - A Practical Guide to Long Term Care Planning - by Submitted on Nov 24, 2014 from Aris MorenoAccording to the Department of Health and Human Services, 70% of people turning 65 will need some form of long term care during their lives. Aging brings a natural decline in health, leading to eyesight or hearing loss, lessened strength and balance, and even disabilities and illnesses. These ...
Views: 1647(4 votes) - Credit Legal Repair Service - Things You Should Understand About Lawyers of Credit Repair - by Submitted on Jun 04, 2010 from william robertsWhen there was no concept of financial companies, people used to contact lawyers to solve their financial matters. The lawyers also used to take advantage of this thing and charged lots of fees from consumers. Even now many people who do not have awareness about companies do contact lawyers to ...
Views: 1647 - Laptop Security Software Can Help You Comply With The Red Flags Rule - by Submitted on Dec 22, 2010 from Jack TaggertyWhat Is Identity Theft? Identity theft is a crime that often occurs when someone obtains your personal information without your knowledge and begins using it to either assume your identity (act as you by using your identity) or make purchases in your name. You are the one that has to prove ...
Views: 1642 - Fiat Money vs. Commodity Money - by Submitted on Apr 10, 2011 from Christopher BenoitAs the world economies have embraced fiat money over commodity money we stand on dangerous ground. United States debt and World debt have reached record proportions. This crippling debt sees no foreseeable end and the roots can be traced to the twentieth century shift of thought between fiat ...
Views: 1640 - Want to Generate Wealth? Here Are the 7 Secrets - by Submitted on Mar 24, 2017 from David OsbornIf there’s one thing I’ve learned as a real estate entrepreneur, investor, and wealth creation evangelist, it’s this: To build a life worth living, you need to plan for a life well-lived. Purposefulness is the key to achieving your goals, especially financial ones. Wealth creation isn’t just ...
Views: 1638 - 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: 1637(1 vote) - Get Your College Education Covered with ACS Student Loan - by Submitted on Jun 09, 2012 from wilyam angFor your well off friends, finishing college may be a lot easier but if your family is struggling financially, going after a college diploma without a scholarship or ACS student loan to help you get through can be very challenging. Working part time as a waitress for a diner or getting other odd ...
Views: 1637 - Retirement Planning - 10 Significant Ages to Plan For - by Submitted on Jan 02, 2013 from Frank VeltenIn retirement planning, your age determines the specific actions you may be able to take. Your age dictates, for example, when you can take part in a retirement plan, make contributions to IRAs, and take money from your plan. Below are 10 significant ages you should plan for: Age 21 A ...
Views: 1630(1 vote) - How many grants for health care could you apply for? - by Submitted on Mar 29, 2012 from Leo TheisenUS federal government is of the view that the taxpayer should have easy access to best healthcare facilities so that he/she can earn that paycheck and this is evident from various grants for health care that the US federal government provides to its hardworking taxpayers. Government is run on ...
Views: 1619