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- Creating a Family Budget (That You'll Actually Stick To) - by Submitted on Aug 09, 2017 from Jeremy SutterCreating a budget for your family is one of the most helpful things you can do to organize your personal finances. Visualizing and writing down where your money goes every month can help you identify areas you want to improve or cut back on. As important as it is to create some sort of budget, ...
Views: 1444 - Pay Yourself First and Get Your Life in Order - by Submitted on Nov 07, 2011 from David VogelsangYou might have noticed that money comes directly out of your paycheck before you even receive it, at least in the United States. The government understands the concept of “Pay Yourself First” (or paying itself first), by taking out taxes before you get your hands on your income. However, this ...
Views: 1441 - Removing The Holdiay Stress From Your Life - by Submitted on Oct 01, 2013 from Deah BowesFor many people, the holiday season is not necessarily a happy or joyous time. It can be stressful dealing with family emotions and holiday preparations - shopping, cleaning, decorating, wrapping, baking, attending holiday gatherings- you get it. Because of all the added duties, our stress level ...
Views: 1441 - I Need A Loan With Bad Credit - Any Option Available? - by Submitted on Jun 26, 2010 from Alan LimIs there any option I could take if I need a loan with bad credit? There are different loan products available. The fastest, most convenient, and most popular include cash advance loans which could involve minimal loan amounts. I Need A Loan With Bad Credit These days, many people hesitate ...
Views: 1440 - 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 - How To Turn $12,000 Disability Savings into $40,000 in three years? - by Submitted on Jan 18, 2013 from Samuel LiLast November, I did a RDSP workshop for families with special needs. During the presentation, I illustrated an example of how contributions toward the Registered Disability Savings Plan could bring in huge benefits from the government. Many attendees were astonished after we went through the ...
Views: 1439 - 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) - Planning For Retirement - by Submitted on Feb 04, 2011 from Julie DonleyPeople have many different financial goals, but one they share in common is to be financially independent. I define that as the time when we conclude that our annual expenses can be covered for the rest of our lives without working any longer. Calculating your expenses over the next 25-40 years ...
Views: 1438(1 vote) - Top 10 Reasons Why Financial Disasters Are Inevitable - by Submitted on Apr 26, 2007 from Irena WhitfieldProper money management and at least basic financial education is one of the biggest assets you can possess. It's not so expensive or unattainable as most people imagine. However, the following Top 10 Reasons are a paved path to financial hell: 1) No financial education. This is definitely ...
Views: 1438 - Are You Up Or Down? - by Submitted on Nov 03, 2008 from Tracy PiercyThere’s nothing like a dramatic move in the stock market to make people who are otherwise not very financially involved stand up and take notice – every day. Suddenly, everyone is talking about whether the market is up or down. It’s good to become more financially aware, but what do these daily ...
Views: 1432 - From Debt To Wealth - Is Your Self Image Ready For Financial Freedom? - by Submitted on Jan 10, 2011 from Dan PickensRegardless of your present financial situation, you can move from debt to wealth by making a few simple changes that can help you regain control of your money and begin taking steps to financial success. Many people avoid change because it can often be scary, intimidating, and involve a lot ...
Views: 1431 - Money Goal Myths and How to Avoid Them! - by Submitted on Oct 25, 2012 from Gary DalySo I guess it’s time to debunk some of the money goal myths like – “Money will change me” or “Success will change the person who I am now” by talking about a very successful footballer who has not changed a single iota since he was a young teenager pursuing his dream of becoming a professional ...
Views: 1430 - Saying “No!” To Household Debt - by Submitted on Sep 21, 2007 from Richard GorhamIf you treat your home like a well established business, debt relief will follow. People who successfully manage businesses do everything they can to cut costs and maximize profits. Shouldn’t you do the same for your home? If you are not already, pretend you are a business owner. You have a ...
Views: 1430 - Feeling Wealthy? - by Submitted on Aug 18, 2007 from Linda McCarrinIf wealth is a feeling and many of our feelings are attached to our prior programming, domestication, and parenting, just how many of us FEEL WEALTHY? Perhaps the FEELING is in the word “wealthy.” Although every word, phrase, or sentence can be interpreted differently no matter what language ...
Views: 1429 - Benefits of Becoming a Private Money Lender - by Submitted on Apr 05, 2012 from teresa jeaneWith the changes in the currency markets and greedy business selected panel members, as an buyer you may be finding it difficult to earn a reasonable come back dollars. It almost seems far better products your cash under the bedding since it isn't growing anywhere else. However before you rip ...
Views: 1428 - Building A Mutual Fund Portfolio - by Submitted on Jan 13, 2003 from Julie DonleyWondering what to do and what time frame to do your investing in? Here are some ideas to assist you in your investments. Stick with stock funds. As long as you have five or more years until you need the money, stock funds will likely provide you with superior returns over any other ...
Views: 1428(1 vote) - Getting Out of Debt - by Submitted on Jun 11, 2012 from Jamie BushDebt is bad and you want to get rid of it right away. Nothing destroys lives, marriages and creates more stress than being in debt. The way out is not hard in theory but requires a life change. This is usually were people pass or fail; many times they are unwilling to make a lifestyle change to ...
Views: 1428 - Cruise Stocks: A Risk Vs. Reward Analysis - by Submitted on Mar 22, 2006 from James TrottaInvestors know that oil prices and terrorism, two things that really can't be controlled, have a large influence on the stock market. Many investors avoid airline stocks for this reason. They can't control one of their biggest expenses (fuel) and an act of terrorism can seriously damage the ...
Views: 1427 - Health Insurance: The Marketplace is Everchanging - by Submitted on Aug 10, 2009 from Michael KortzThe insurance marketplace is ever changing, and this constant change has highlighted the importance of the professional insurance agent. Individuals and small businesses need help sorting through their coverage options. Insurance agents educate their clients, advising them how to manage their ...
Views: 1426 - Mission Possible: Get a Personal Loan Even with Bad Credit - by Submitted on Apr 12, 2018 from Maria LawsonIt’s no secret that acquiring a personal loan can be extremely difficult for someone who has a poor credit score. Not only do the options become limited, but even borrowing cash becomes overly expensive. While there is no substitute to a healthy credit score, sometimes situations can go ...
Views: 1426 - It's Never Too Late to Start Saving - by Submitted on Sep 01, 2009 from Nancy KvammeOne of the arguments I hear when I talk to people about saving is that they are too old to make a difference. Whatever you can start saving now can make big difference One big step is to forget the past and focus on the future. In some cases it was being irresponsible but other cases it was ...
Views: 1425 - Paying For College: Where to Find College Scholarships - by Submitted on Feb 12, 2009 from Carol EisemanThere are millions of scholarship dollars available for prospective college students. The problem is trying to figure out where they are and how to apply. There are websites all over the net that are happy to assist you with this process for a fee. Stop there. You want to find scholarship ...
Views: 1425(2 votes) - Credit Repair Tips - How to Spot the 5 Most Common Credit Repair Frauds - by Submitted on May 28, 2010 from william robertsWith the increase in needs of credit repair; many companies were reformed to provide the services to remove people's negative items from their credit reports and to increase their credit score. This is a fact that where there is good, bad is also there and while searching you may find some fake ...
Views: 1424 - $250,000 Income Tax Threshold - by Submitted on May 20, 2011 from Stephanie HorneWhy is $250,000 the magic number? There has been much debate with regards to how to close the budget deficit. With President Obama's fix saying that federal income taxes should be increased for households making more than $250,000. The questions is, how did this become the threshold ...
Views: 1422 - Reset, Renew and Remember as You Celebrate Your Holidays - by Submitted on Nov 14, 2009 from Pat HeydlauffWith the holiday season rushing toward you at warp speed and Thanksgiving just days away, are you already thinking, “How am I going to get everything done this year with less time and less money?” Are you so worried about all the details and how to pay for it that you will never get anything ...
Views: 1422(2 votes) - Real estate investing education for free - by Submitted on Sep 29, 2005 from Alex BezborodkoEvery experienced real estate investor understands that to succeed in property investing you need to study special texts, learn different investing techniques and never stop searching for new information. But what if you just recently decided to start investing? You would like to improve your ...
Views: 1420 - Can’t Afford to Pay a Parent Loan? You Might Get One Anyway. - by Submitted on Oct 22, 2010 from Jeff MictaborThe U.S. Department of Education issues federal parent loans — known as PLUS loans, for parents of undergraduate students — designed to help families pay for college. PLUS loans, like federal student loans, are fixed-rate college loans. They carry a slightly higher interest rate ...
Views: 1419(3 votes) - Options Investing Produces Great Returns - by Submitted on Jul 21, 2012 from Jamie BushOptions are higher risk futures that you can buy and sell against stock you own or don’t own. Investors have made and lost fortunes trading options. Jim Cramer made enough in one options trade to quit Goldman Sachs and start his own hedge fund. I only want to mention it briefly because it can be ...
Views: 1417 - Are You Prepared to Die? Create Your Family Love Letter™. The Gift of Your Life - by Submitted on Mar 11, 2011 from Cynthia Shelby-LaneThe Family Love Letter™. The Gift of Your Life As an anti-aging physician, I have devoted my career to helping people live long and healthy lives. I have a passion for healthy living; wellness and staying young has been my motto. As a result, I created a teleseminar series called ...
Views: 1416(1 vote) - Students Beware! Identity thieves are studying you! - by Submitted on Nov 02, 2007 from Denise RichardsonIt is probably no surprise to most adults that identity theft is one of the fastest growing types of fraud. But what may be more alarming is that people in the 18 to 29 age range are the fastest growing group of victims. One need not look too far to figure out why. Today’s young people ...
Views: 1416 - If you want to get wealthy isn't the ultimate wealth inside your head? - by Submitted on Mar 12, 2010 from Sandeep NathJeffery Combs, one of the large clutch of associates of Wealth Masters, speaks to build wealth and wisdom through a higher self esteem. A low self esteem is the beginning of sabotage and why do we have it? Events from the past create feelings; feelings create moods; and moods create ...
Views: 1411(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 - Know Money or No Money? - by Submitted on Sep 13, 2010 from Erik TherwangerDo you feel you are on the right track financially? Are you prepared for retirement? Is your nest egg where it should be? Has the economy had a negative impact on your financial household? Do you need to earn more money? Many people feel they need to follow a specific “road” to financial ...
Views: 1410(3 votes) - Opportunity: Be a Landlord and Save the Housing Market - by Submitted on Apr 30, 2012 from Walid PetiriWhile housing prices are still well off 2008 levels and likely won’t recover for some time, you can make good returns investing in real estate. How?? Buy a foreclosed house and become a landlord. Purchase these single-family homes on the cheap, on your own or as part of a private ...
Views: 1410 - Managing Your Money - Disputing Credit Reports - by Submitted on May 28, 2011 from Bill SklodowskiIt's really very important to keep track of your credit report and what it says about you. Your credit report affects many areas of your life Should you find information that's incorrect, no matter what the reason, it's your job to dispute that information to have it removed and corrected in ...
Views: 1409(1 vote) - Use the “80/20 Rule” to Focus on Your Big Financial Opportunities - by Submitted on Apr 27, 2012 from Keith WheelanI’m a big fan of the “80/20 Rule”. Also known as Pareto’s Principle, it states that 80% of an outcome is usually determined by only 20% of the inputs. It holds true for a surprising number and variety of things. For example: * 82.7% of the world GDP comes from the richest 20% of the ...
Views: 1409 - Real Estate – 5 Tips to Make A Good Deal - by Submitted on Nov 05, 2012 from Paul KlineReal estate is a very risky business but it is also one that can give you excellent returns. You just need to be able to buy and sell a property at the right price. Interestingly, there are many investment opportunities available in the market these days, thanks in part to the large number of ...
Views: 1408(1 vote) - ***4 Pre-Retirement Requirements For Investing Your Money - by Submitted on Nov 02, 2009 from Bill LoseyQuestion: What are some things I should keep in mind if I want to reach the goal of retirement within three years? Thanks in advance for your response. Lorri, MA Answer: Lorri, whether your goal is retirement in 3 years, a new car in 5 years, or college education in eighteen years, in order ...
Views: 1407(1 vote) - Create your own Anti-Emergency Fund™ - by Submitted on Jul 31, 2004 from Cindy MorusDo unexpected car repairs, quarterly insurance payments or those darned property taxes find you hard pressed to squeeze one more dollar out of an already stretched monthly budget? Or do you usually end up reaching for the plastic in your wallet to make up the difference? Those inevitable ...
Views: 1407 - Things I Wish My Parents Taught Me About Money - by Submitted on Jun 04, 2012 from Shari MolchanThings I Wish My Parents Taught Me about Money Back in the day when I was growing up, my parents taught me all of those little things that any young lady should know: How to sew a button, clean a house, how to cook, and so on. I thought they had covered everything, but they left out the one ...
Views: 1407 - The way to improve your standard of living? - by Submitted on Mar 29, 2011 from Lanus PhillipsOverindebtness is a very popular problem nowadays. Nowadays you can find a lot of people which have issues covering their regular monthly budget. Undoubtedly the rising living costs may create much more problems for these people. This might cause stress for people which are within this ...
Views: 1406 - Loan Modification - How To Know If You're Getting A Good Deal - by Submitted on Jun 24, 2010 from Krista ScruggsMaybe you've just completed a mortgage modification, or you're in the market for one and you want to learn all you can. Either way, you're likely wondering how to tell whether a home loan modification deal is good or bad. Regardless of what stage of the process you're in, you'll want to be ...
Views: 1405(4 votes) - When Can a Special Diet be Tax Deductible in the U.S.? (A Little-Known Must-Read for Everyone in the USA!) - by Submitted on Jul 09, 2009 from Intent.com AuthorsDid you know that many of your medical expenses are tax deductible? That's right! The government will actually reward you for taking proper care of yourself. And with April 15 right around the corner, now is the time to get your records in order so that you can maximize your health-related ...
Views: 1405(2 votes) - Save Money to Make Money - by Submitted on Mar 05, 2010 from Steve GillmanI prefer to report on unusual ways to make money, but when you save money it can effectively be a way to make money for your goals. If, for example, you want to make two thousand four hundred dollars for a vacation, you might work extra shifts or find other ways to generate the three thousand ...
Views: 1404 - Sharing some Thoughts from the book' The Richest Man in Babylon' by George S. Clason: The Ten Steps to Wealth - by Submitted on May 18, 2007 from Craig LockArticle Title: Sharing some Thoughts from the book' The Richest Man in Babylon' by George S. Clason: The Ten Steps to Wealth Submitted by: Craig Lock Category/Subject: Money, Finance, Financial Success, Money Management, Financial Independence, Wealth, the Path to Wealth Web Site: ...
Views: 1401 - Effect of Divorce on the Family Business - by Submitted on May 04, 2012 from Meghan GehanIt is an unfortunate American reality that half of all first marriages and nearly 60% of second marriages end in divorce. When business partners divorce‚ the financial and emotional challenges become more complex. In addition to negotiating the separation agreement‚ dividing marital assets‚ ...
Views: 1398 - *** Are the Markets & My 401(k) Heading for Another Freefall? - by Submitted on Jul 15, 2009 from Bill LoseyDear Bill: I’m 60 years old, divorced, and was forced into early retirement two weeks ago. My 401(k) is still down 25% from its all-time high and I’m real nervous. Now that I don’t have a paycheck and since I won’t become eligible for Social Security for two more years, I have to live on ...
Views: 1397(2 votes) - Bankruptcy Doesn’t Have to Be the End of Your Credit Life - by Submitted on Jun 05, 2009 from Gary McClureAfter your bankruptcy has finally been discharged the courts and you have your discharge papers in hand, what next? How do you begin to rebuild your credit? The first thing to remember is what led you to bankruptcy to begin with. You don't certainly don’t want to end up in the same financial ...
Views: 1397(3 votes) - How to Determine if I am an Employee or Independent Contractor? - by Submitted on Mar 03, 2010 from Reed Humphrey18% of people are categorized incorrectly... and the cost of being wrong can be pretty high! There is a big difference between an employee and an independent contractor when it comes to federal taxes. If you are incorrectly categorized as an independent contractor when you are actually an ...
Views: 1396 - Avoid These 3 Mistakes That Could Destroy Your Business - by Submitted on Apr 25, 2017 from Hafiz AkindeAccording to the Bureau of Labor Statistics, about two-thirds of businesses with employees survive at least 2 years and about half survive at least 5 years. As one would expect, after the first few relatively volatile years, survival rates flatten out. While the health of an economy plays a ...
Views: 1395(2 votes)