Self Improvement Site
On The Internet! Take the Self Improvement Tour
On The Internet! Take the Self Improvement Tour
Personal Finance Articles
We are currently looking for an Official SelfGrowth.com Guide to "Personal Finance". If you have expertise in Personal Finance 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 Credit Card Calculates Interest - by Submitted on Feb 13, 2008 from A DawnIn Canada, credit card company uses mainly two methods to calculate the interest you pay. The methods are, average daily balance method and daily balance method. Although the methods are different, they generate same interest charge. If you are interested finding out which method your card uses, ...
Views: 1501 - Bouncebackability Test Comes Now - by Submitted on Feb 12, 2008 from Daniel KirbyThose looking at the possibilities of investing in property in UK will be concerned with many issues. One will be the economy as a whole, with some doom-mongers still predicting that Britain will catch America's cold and plunge into recession. Others may take a more subtle view, that a major ...
Views: 704 - How Much Is A Ton Of Interest? - by Submitted on Feb 05, 2008 from Mike KillianHave you ever asked yourself why there always seems to be too much month left over at the end of the money? This article attempts to explain that monthly crisis by exploring how we have been lulled into thinking in terms of "monthly" instead of "total" cost. Actually, the monthly phenomenon has ...
Views: 1367(3 votes) - How To Curb Your Spending - by Submitted on Feb 03, 2008 from Mike KillianThe Federal Trade Commission (FTC) says, "If you or someone you know is in financial hot water, consider these options: realistic budgeting, credit counseling from a reputable organization, debt consolidation [debt negotiation], or bankruptcy. How do you know which will work best for you? It ...
Views: 1467 - Protecting You, The Consumer - by Submitted on Feb 03, 2008 from Mike KillianThe Fair Debt Collection Practices Act (FDCPA) was established to protect the consumer from harassing and illegal tactics used by unethical and unscrupulous debt collectors. The act does not apply to the original creditor but does apply to someone other than the original creditor who tries to ...
Views: 1227 - Three Sure-Fire Ways To Get Your Debt Snowball Rolling - by Submitted on Jan 31, 2008 from Michael RascoA "debt snowball" is a credit card debt management system that increases its momentum over time. That means that your results might seem small in the beginning, but you will take bigger and bigger chunks out of your debt as time goes on. It is a very effective way to eliminate credit card ...
Views: 1643(1 vote) - How Bad Is Your Debt Vulnerability? - by Submitted on Jan 31, 2008 from Mike KillianThe American consumer is looking at a very scary environment! He/she is also becoming more and more vulnerable to serious debt collection issues. The new bankruptcy law, increased minimum credit card payment, tightening of debt counseling options, exceptionally easy access to very high credit ...
Views: 1189 - How Long-Term Investment Pays - by Submitted on Jan 25, 2008 from Daniel KirbyIn the current climate with its talk of crunching credit, plummeting prices and declining dividends, many have seen the buy-to-let market as a near-certain victim of the emerging economic circumstances. Not so, it seems, judging by recent surveys in the industry, which have found the majority ...
Views: 724 - How Do I Get Money? - by Submitted on Jan 23, 2008 from Jim MathesonYou might believe you would be more happy with money than without it. And you would probably be right. As long as you had enough of course. Whatever enough means to you. So how do we get money? And how do we keep it? You have probably done it the old fashioned way - you know, work for it - ...
Views: 1175 - Canada Tax Preparation Software - by Submitted on Jan 20, 2008 from A DawnFancy, Brand-Name and #1 Best-Selling Tax Software Programs Have Fancy Price Tags If you have always wanted to file your own tax returns but are not sure which tax software programs to use, this article is for you. To file your own income tax returns, you need to use income tax software ...
Views: 5265 - Helping Homeowners Who Are Facing Foreclosure - by Submitted on Jan 20, 2008 from Nick ComasoFirst of all, you need to be aware that a mortgage lender can foreclose your home for two reasons. The first one is defaulting on your payments. If you are late, or going to be late, DO SOMETHING! Generally, lenders will issue a Notice of Default, or Notice of Foreclosure, if you miss three ...
Views: 638 - The Top 10 Distinctions Between Millionaires AndTthe Middle Class - by Submitted on Jan 17, 2008 from Keith SmithDistinction # 10 Millionaires think long term. The middle class thinks short term In Distinction 10 you will learn about the five social groups of the very poor, poor, middle class, rich and very rich and how each group thinks about money in a different way. For example, very poor people ...
Views: 6607 - Top 10 Signs You May Have The World's Ugliest Credit Report - by Submitted on Jan 16, 2008 from Marc ChaseBelow are some warning signs that you may be on your way to holding the title of "World’s Ugliest Credit Report" 1. You have committed to renting forever because you think you’ll never qualify to purchase your own home 2. You Can’t get a checking account 3. The only credit ...
Views: 795 - Property Experts Say: It's Not Grim Up North - by Submitted on Jan 15, 2008 from Daniel KirbyThe decision of the Bank of England to keep interest rates on hold yesterday may tempted some to predict more hard times ahead for the property industry. Notwithstanding the widespread expectation that rates will fall next month, there are many who would beg to differ. Buy-to-let is certainly ...
Views: 764 - Payday Loan Online To Make Your Cash Available Anywhere - by Submitted on Jan 11, 2008 from Direct LoansAre you in urgent need of cash? Thought about payday loan online? Direct Cash Now is a leading payday loan online provider where you can get fast cash with convenience. A Payday loan is a short-term personal loan helping you obtain money when you need it. This is an easy loan procedure where ...
Views: 887 - Why Take Out A Fixed Rate Mortgage - by Submitted on Jan 08, 2013 from Pat LeeFixed rate mortgages can be good for first time buyers and anyone on a tight income who needs the piece of mind of regular monthly repayments. A fixed mortgage is the most standard form of loan for home and product purchasing in the USA. Fixed rate mortgages are the most common ones and in the ...
Views: 768 - http://calling-cards-internationall.blogspot.com/2007/12/how-to-call-to-usa.html - by Submitted on Jan 08, 2008 from Alison WaltzIn the old days (7-10 years ago) there were no long distance calling cards and cheap phone cards so it could cost you a ton of money to make long distance calls. Calling your grandparents in another state or calling home from college on the weekends was very expensive and prohibitive. Those days ...
Views: 721 - A Pinch Of Salt For The Foretellers Of Gloom - by Submitted on Jan 05, 2008 from Daniel KirbyThe extent to which recent predictions for the fortunes of the UK property market in 2008 have cast a shadow of gloom may seem disheartening for many, be they aspiring buyers, new investors in buy-to-let or those considering an expansion of their portfolio. Yet time and again there are both ...
Views: 893 - Moderate Recovery Prospect Leaves Buy-to-let Well Placed - by Submitted on Jan 02, 2008 from Daniel KirbyOne of the most frequently highlighted statistics in the UK property investment sector has been the rise in rents as the housing market has declined. With more and more would-be first-time buyers opting to stay out of the market in these uncertain times, rental demand has been higher and has ...
Views: 641 - Christmas Cheer Or Bah Humbug? - by Submitted on Dec 31, 2007 from Daniel KirbyEarlier this week, the Association of British Travel Agents (Abta) said that over 3.5 million Britons will be jetting off to the sun over the Christmas and New Year period. Among this small army of those leaving behind the cold and wet of the British winter to spend the festive season in the ...
Views: 834 - Vehicle Finance: Helps Secure Vehicle Of Your Choice - by Submitted on Dec 30, 2007 from castle bonnieVehicle is a means of transport. Everyone takes dream to have a vehicle of his/her choice. You too are thinking about the purchasing of one. Yet you are diffident what type of vehicle you should choose. Taking a decision gets quite difficult some of the time. You think you are alone who is ...
Views: 541 - Notes On Budget - by Submitted on Dec 29, 2007 from Catherine SchielmannComing into collision with our financial opportunities and our needs is an everyday occurrence. Having realized there’s something wrong with your family budget you should take several reasonable steps towards forming the budget and cutting your debts. Here are the most common notes on this ...
Views: 612 - Notes On Budget - by Submitted on Dec 29, 2007 from Catherine SchielmannComing into collision with our financial opportunities and our needs is an everyday occurrence. Having realized there’s something wrong with your family budget you should take several reasonable steps towards forming the budget and cutting your debts. Here are the most common notes on this ...
Views: 662 - Relentless Rent Rise Roars On - by Submitted on Dec 29, 2007 from Daniel KirbyWith the end of the year drawing close, analysts will be able to look back on a 2007 of two distinct phrases. Up to July, the housing market continued to boom, talk of a housing market slowdown appeared as risible as it had turned out to be in 2006 and first-time buyers sought mortgages of ...
Views: 753 - Time For The Speculation To End - by Submitted on Dec 28, 2007 from Daniel KirbyThe old saying "speculate to accumulate" may ring true - but in more than one way when it comes to the buy-to-let market. Accumulating failure appears to be the way for some in the buy-to-let market as the nature of the industry and the state of the housing scene tilts the advantages all towards ...
Views: 797 - Why Investors In France Are Not Beached - by Submitted on Dec 27, 2007 from Daniel KirbyThose looking at property investment in France have the luxury of a variety of different possible markets to serve. There are those who fancy commuting from Paris or other parts of the north to London via the Channel Tunnel. There are those who fancy a place among the famous vineyards. ...
Views: 801 - Golden Chances For Green Investors - by Submitted on Dec 26, 2007 from Daniel KirbyIn an increasingly eco-friendly marketplace, everything, it seems, has to be environmentally friendly. Organic food is in, irradiated and GM is out. Recycling is good while waste is unforgivable. Everything from using more public transport to fitting insulation and using energy-saving light ...
Views: 692 - Arts And Crafts: Finance, Income And Selling Ideas - by Submitted on Dec 21, 2007 from Hilary BowmanAny business can be financed easily and in a smart way. If you are one of those who likes exhibiting their crafts and putting them for sale for others to enjoy while at the same time getting some cash in return, there are some tips on financing and selling techniques that might help you get a ...
Views: 877 - Squaring The Circle On House-buying And Rents - by Submitted on Dec 19, 2007 from Daniel KirbyThose who seek to analyse the fortunes of the UK property market from the point of view of buy-to-let lenders may possibly wonder how a downturn in the residential market can coincide with an increase in rents. After all, the boom in buy-to-let in recent years has occurred at exactly the same ...
Views: 722 - Sensible Investors Will Succeed, Says Expert - by Submitted on Dec 18, 2007 from Daniel KirbyThose considering investing in the buy-to-let sector, or expanding their existing portfolios, may be forgiven for feeling slightly confused at much of what they have read of late about the industry. On the one hand, there have been negative stories of investors getting their fingers burnt and ...
Views: 651 - Investors Have Fast Train To Paris - by Submitted on Dec 14, 2007 from Daniel KirbyWhen George Orwell wrote Down and Out in London and Paris, he was writing about life as a homeless person in the two capitals, perhaps never imagining that one day people would be not just anything but homeless in either city, but able to commute between them with impunity. Yet while the ...
Views: 852 - Improve Your Credit Score and Change Your Financial Situation - by Submitted on Dec 13, 2007 from Tracy CraverThere is no doubt that credit history is very essential in today's society. Never underestimate the importance of credit rating. Remember that high credit score will give you a chance to apply for best credit cards with favorable terms and conditions. In case your credit rating leaves much to ...
Views: 1272 - Using Chapter 13 To Prevent Seattle Bank Foreclosures - by Submitted on Dec 12, 2007 from Resolve LegalWorried about the bank foreclosing on your home? You’re not alone, especially if you have an adjustable rate mortgage. According to a study by research firm First American CoreLogic, 1.1 million additional home foreclosures are expected between 2007 and 2013. Many Seattle Bank ...
Views: 631 - Property Market Recovery May Start Here - by Submitted on Dec 11, 2007 from Daniel KirbyFollowing the credit crunch and the interest rate increases over the last 16 months, the housing market has seen a significant slowdown. With Halifax revealing a 1.1 per cent house price fall for November on the back of smaller falls in September and October, the situation looked less than ...
Views: 759 - Credit Card Debt Management - Negotiating Your Way To Financial Freedom - by Submitted on Dec 08, 2007 from Michael RascoCredit card negotiation is something that the average credit card holder can and should do on a regular basis. Sure, there are numerous financial planners, tax lawyers, and debt consolidation companies that will gladly handle the negotiations for you; but if the idea is to put yourself in a ...
Views: 1176(5 votes) - London 'To Weather Property Storm' - by Submitted on Dec 07, 2007 from Daniel KirbyFor the last few years London has been one of the areas pushing UK property inflation the most. Whatever the average price rise, London's has been higher, with prime central London areas seeing the biggest booms. Recent figures, however, have suggested this capital trend has reversed. The ...
Views: 725 - How To Assess Your Net Worth - by Submitted on Dec 07, 2007 from Spencer RayBefore you can become wealthy, you must first assess your current financial situation. Understanding your current financial situation will give you a starting point to develop a personal financial plan for your future. To determine your financial situation (financial health), ...
Views: 1439 - Sherry Good Prospects In Spain - by Submitted on Dec 07, 2007 from Daniel KirbyThe buy-to-let market, whether in the UK or overseas, is in many respects a series of markets, for the kind of property investors choose to sink their capital into will depend on the potential customer base. Thus property which is not necessarily of tip-top quality but is close to a university ...
Views: 908 - The best prospects in Scotland - by Submitted on Dec 06, 2007 from Daniel KirbyIn its recent prediction that suggested the UK as a whole would experience zero house price growth, Nationwide said that Scotland property would fare better than the rest of the UK, with four per cent growth in 2008, a slowdown but certainly not a juddering halt. The explanation for this ...
Views: 926 - Tax the way to do it - by Submitted on Dec 05, 2007 from Daniel KirbyInheritance Tax (IHT) has been a big issue in Britain recently, with newspaper campaigns for its abolition, a pledge to raise the threshold to £1 million by the Conservatives and an immediate doubling of the threshold for couples to £600,000 in response by the Labour government in the ...
Views: 744 - Does Short-term Dip Mean Long Term Cuts? - by Submitted on Dec 04, 2007 from Daniel KirbyThe UK housing market is in a curious state in many ways. After years of high inflation driven by a strong economy and a shortfall in demand, the market has seen a slowdown since the base rate hit 5.75 per cent and the credit crunch introduced a wave of economic uncertainty. Evidence of the ...
Views: 975 - The Formula For Financial Success (From The Oprah Winfrey Show - Updated) - by Submitted on Nov 29, 2007 from Craig LockArticle Title: The Formula For Financial Success (from the Oprah Winfrey Show - Updated) Submitted by: Craig Lock Category/Subject: Money, Finance, Financial Success, Money Management, Financial Independence http://www.selfgrowth.com/articles.html Publishing Guidelines: We hope that the ...
Views: 1156 - The Facts Of Life - What Every Woman Should Know About Money (Updated) - by Submitted on Nov 29, 2007 from Craig LockArticle Title: The Facts of Life - What Every Woman Should Know about Money (Updated) Author: Craig Lock Category/Key words: Money, Finance, Personal Finance, Financial Planning, Money Management Other Articles: http://www.selfgrowth.com/articles.html Publishing Guidelines: We hope that ...
Views: 627 - Mortgage Fraud: Did Your Mortgage Company Commit A Crime When They Made Your Mortgage? - by Submitted on Nov 28, 2007 from Richard GellerLinda was in a bind with respect to her mortgage. Her lender was increasing the adjustable loan payment to $4700. Linda called and asked if the lender could work out a loan modification as the family could not afford the higher payments. The loss mitigation person at the lender said "what do ...
Views: 681 - Credit Does Matter - by Submitted on Nov 25, 2007 from Frank CarrascoYes, approved! No, not approved! We have reduced the result of a credit transaction to the two previous statements. Credit is not just a situation or a circumstance credit is a life-style. A life-style that can be richly fulfilled with the appropriate development of habits. Habits that we form ...
Views: 725 - The Reasons For Financial Failure (Updated) - by Submitted on Nov 25, 2007 from Craig LockArticle Title: The Reasons for Financial Failure (Updated) Author Name: Craig Lock Line Space: 65 characters Category (key words): Financial Success, Personal Finance, Money, Money Management, Financial Independance Other Articles are at: http://www.selfgrowth.com/articles.html Publishing ...
Views: 1036 - Base Rate Uncertainty May Drag On - by Submitted on Nov 24, 2007 from Daniel KirbyThe time between the announcement of the monthly decision by the Bank of England's rate-setting monetary policy committee (MPC) and the publication of the minutes is frequently filled with speculation about how the committee might have voted. Partly this may be due to the fact that nature abhors ...
Views: 767 - Caribbean Appeal Brings Cape Verde Closer - by Submitted on Nov 23, 2007 from Daniel KirbyThat Cape Verde is emerging as one of the most exciting new markets for property investors is not in doubt. Stories of the increase in the number of people buying Cape Verde property in the islands and the growth of tourism are well-documented trends. But the specific marketing of the islands as ...
Views: 768 - Everything In Its Season With Spanish Property - by Submitted on Nov 21, 2007 from Daniel KirbyGiven the kind of headlines which have emerged with the slowdown in the Spanish property market, one might sense the palpitations experienced by news that property sales in the country are going down by 45 to 50 per cent this winter. The reality, however, is very different, according to Les ...
Views: 777 - No Train Strain For Spain? - by Submitted on Nov 20, 2007 from Daniel KirbyYesterday, amid great ceremony and under a spanking new roof which had replaced its dingy predecessor, the revamped St Pancras, recently re-opened by the Queen, began its role as the new London hub for the Eurostar and waved off the first of the new high-speed generation of trains as it hurtled ...
Views: 805