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From the time we are born we’re told that making mistakes is bad. When we’re young, we’re scolded for misbehaving. When we get older and start taking exams we are punished for getting the wrong answers and given a bad grade. Our society views good grades as success and you get good grades by not ... Views: 1307
After going through a tough financial time, you might think its wise to avoid credit. If you have abused credit through excessive spending, you may think this is the right thing to do.
You might also think that being debt free is important to lenders. Believe it or not, nothing could be ... Views: 1306
FREE energy for everyone...! You already have everything you need to produce free energy for yourself and for your family. In fact, the dream of ecologists is already sitting in the hands of the people waiting to be manifested into reality. Keep on reading to find out even more about how you too ... Views: 1304
The
international linguistic freelance platform 2Polyglot
analyzed global market of translation services and defined average translators’
income amount in different countries.
Days are passing, technologies are being improved, but
despite of scientists’ forecasts, machines ... Views: 1303
Want to get your finances back on track? Go back to cash. Here are five tips to help you get started.
If there’s an upside to today’s uncertain economic climate, it’s the fact that the recession has forced Americans to take a long, hard look at their spending and saving habits. We’re ... Views: 1302
Everyone will face at least a few major life crises, and many of these issues have a severe and detrimental impact on personal finances. For example, a serious illness can result in a mountain of medical expenses. The unexpected loss of a job may lead to the repossession of your car and the ... Views: 1300
Many years ago I wrote my original Seven Stages of Debt, as modified from the Five Stages of Death and Dying by Dr. Elisabeth Kubler-Ross.
Both experiencing the emotional loss of a loved one and the emotional loss of your financial life are similar in some distinct ways. However, the ... Views: 1300
Imagine feeling a strong sense of financial confidence. What would this look like for you? Being financially confident means that you are, without a doubt, in control of your financial life, you know what decisions are the rights ones and you make them with clarity and definiteness, and you have ... Views: 1300
Question: This stock market is nuts! How am I supposed to protect my IRA from losing money when I’ve only got three years until I retire? Joan, NY
Answer: Joan, as I mentioned in my last post, a few years before retiring you should begin to accumulate an amount of money that's equivalent to ... Views: 1299
Creating and maintaining great credit is more crucial today than ever before. Whether we realize it or not, so many parts of our daily fiscal lives revolve around our credit ratings. But don't fret - abide by these five must know credit tips for scholars and you shouldn't have any issues at ... Views: 1299
Question: Do I need $1 million to retire comfortably?
Answer: Imagine a world free of alarm clocks, bosses, long commutes, office politics and limited vacation time. Wouldn’t it be nice to call the shots, spend more time with your family and friends, doing only those things that you’re ... Views: 1299
Webster's definition of master is "a person who has dominance or control of something," and this plays a large role in money management. Dominating or controlling something or someone can sound negative but when we're talking money, it's a very good thing. If you aren't in control of your ... Views: 1295
Having no control over your cash can be a very dangerous thing. Someone said money is the root of all evil, which is in some sense true, given the fact that the majority of criminal offenses happening have been brought about by the desire or need for cash. Now, the current financial situation ... Views: 1295
While checking the background of a lawyer may be considered relatively easy – the state licensing board, after all, does most of the heavy lifting in this regard – merely verifying the credentials of someone expected to take charge of your finances and helm your case before Internal Revenue ... Views: 1294
New York law provides that the court's orders as well as the first and second mortgage, act as liens against the property. This means that when the court decision has been made against the client, it works against them as a real estate lien, together with the mortgage, or Home equity line of ... Views: 1293
Are you getting consistent 10-15% or more yields from your CD’s, Stocks, Savings Accounts, IRA’s and other investments? If not, read on…
by Steve Groom
Did you know that there is a very safe investment that produces consistently high yields while at the same time provides security and ... Views: 1291
Summer is such a great time of year, and that normally means you begin to think about your vacation budget. Summer months seem to take away any of the blues and fill you up with sunshine, watermelon and loads of fun; people are more active, full of life and smiles, and generally feeling ... Views: 1291
Huge financial obligations are something that can destroy a person’s life. If immediate action is not taken, several aspects of a human life may be negatively affected.
Debt can indeed cause a great deal of pain and suffering especially for those people whose financial condition is already ... Views: 1290
While it may seem counter-intuitive, the more common divorce becomes, the more complicated it gets. One might expect that because about half of today’s first marriages end in divorce (and around 60 percent of second marriages) the law, the process, even the outcome would become standardized, ... Views: 1289
I’ve just returned from an 8 day visit to Spain. “Yes”, I planted the seed to get there, and “Yes,” it was awesome (and fully paid for). The Spanish version of my book was released on January 22nd and I toured the country doing interviews. In two days I did 15 ... Views: 1289
Today's world is a scary place.
Big businesses are closing their doors,
banks are putting the squeeze on you,
gas has never really been a polite word, but now it is positively hateful,
food prices are soaring
and worst of all, your income is shrinking.....
For middle class America the ... Views: 1289
Whenever you are looking to make a career change it is really important to address your finances. Many people can be rather ostrich-like about this, but if you analyse your situation at the beginning then it will certainly smooth your way later.
The first step you can address is budgets. ... Views: 1288
If your credit card debts are getting out of control then maybe you have considered ways to reduce credit card debt. There are a variety of debt relief options which include credit card debt settlement, credit card debt consolidation, and for the really hard up, there is of course bankruptcy. ... Views: 1287
We all know if we commit seriously enough to our goals to write them down, we’ll probably have a better chance of achieving them. But have you ever considered the multiplying and powerful effect of goals on our finances?
Mark and Cindy [names changed] came to us seeking financial advice. ... Views: 1286
Numerous financial decisions can have a progressive, yet huge, sway on your life. Making them at the perfect time guarantees that you can meet your objectives and accomplish financial security. Martin Sumichrast, an investment expert, advises on these three major steps to take.
1.put aside ... Views: 1284
Applying for bankruptcy is considered as a shameful act because the individual becomes a laughing stock amongst those who are near and dear to the family. The family gets a stigma and it would even ruin the name of the family. So people try to postpone the bankruptcy application to the maximum ... Views: 1282
You can have a large amount of possessions, enjoy an abundance of success. You can succeed financially and live a life, full of the condition of enjoying wealth, success or good fortune. I want you to have great wealth and live the life of ease; I want you to be characterized by more than ... Views: 1281
Being a stay at home mother has been quite a challenge as doing the back to school shopping. Let's face it, one income in this economy is a struggle. For our family this is some of the things I have done to attempt to save a bit during the economic crunch.
First of all, having a good sense of ... Views: 1281
Have you heard that new age maxim “If you want to be free of something you must first learn to love it”?
That sounded like pure insanity when I first heard of it – It was an Oprah Winfrey show – and I remember her response -“You mean I have to LOVE these hips? (Something like that – and I ... Views: 1279
Dear friend Happy New Year. I thought I would begin the New Year with some Money Management reminders. So here we go. The key to making long-term change in one’s financial life depends on three things:
1.Making a decision not to increase consumer debt for any reason.
2.Ensure that all ... Views: 1275
These days, it's difficult to turn on the television or browse social media without hearing a story about human suffering. We all wish that we could do more to help our community and our world, but time and money don't always permit us to volunteer in-person.
Thankfully, there are ways to ... Views: 1275
In many of my articles, I focus on young adults as my target audience. By young adults, I generally mean people between the ages of 18 and 35 years old. Why target this group? Quite simply, time is on their side when it comes to saving for retirement, and because of this fact, small changes ... Views: 1275
We are each proud of our own unique identity. Many of us work very hard to establish a good name and a good reputation. So when someone has the audacity to steal our identity and ruin the good reputation and name that you have worked so hard to create, it is very frustrating.
What the criminal ... Views: 1275
Society Stretched!
Are commerce and consumption and the related social stresses reaching a limit?
Much of the populace is in worry mode these days about finances and their families, and what lies ahead for our lifestyles and the world in general. These are both confusing and stressful ... Views: 1274
I'm going to make a very bold statement that I can – and will – back up: Americans have been brainwashed into believing they must accept risk, volatility, and unpredictability to grow wealth and have a comfortable lifestyle in retirement.
But don’t fall for it! There are proven and ... Views: 1274
The result of the S&P downgrading the US Treasury Bond score basically labels the United States as a higher risk borrower. One of the results of this action will possibly increase the interest rates of global creditors lending to the US and increase the return to those investors. This is ... Views: 1274
What did Heath Ledger, Marilyn Monroe, Michael Jackson, John Wayne, Jacqueline Kennedy Onassis, Princess Diana, and Anna Nicole Smith all have in common? Aside from being mega-celebrities with large fortunes, they all had lousy Wills. And because of this, their deaths left not just emotional ... Views: 1274
One of the most attractive points about a modern day pension is that almost anyone can have one. It is a common misconception that taking out a SIPP pension is a long and complicated process, only used by people in the know. Yes pensions can be confusing and complicated but as most providers ... Views: 1274
Do you need help reporting expenses on your Schedule C? Are you wondering whether you've accurately captured all deductible business expenses for your Sole Proprietorship? Then this article is for you.
Preparing Schedule C is an integral part of any Sole Proprietor's personal income tax ... Views: 1273
Like the Knights of the Round Table, novice traders often search diligently to find their own Holy Grail, the perfect indicator(s) that will lead them to fabulous trading successes. It is the silver bullet that will slay the market for them. But, searching for this elusive Holy Grail will only ... Views: 1272
There 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
Rather than getting money to pay for its ventures, a firm can pitch new offers of regular stock to speculators. Though bond issues confer the firm to make a progression of indicated intrigue installments to the moneylenders, stock issues are more similar to going up against new accomplices. The ... Views: 1272
Most will not dispute the value of a good education, but it's no secret that paying for college can be costly. Many students are unable to pay for their entire education out of pocket and grants or scholarships may only cover a portion of tuition, books and housing costs. Therefore, many are ... Views: 1272
In a previous article, I pointed out that coming up with the funding to support commercial real estate purchases may be both intimidating and even prohibitive for many real estate investors.
If this scenario rings true for you, then you might consider something a little more basic to help ... Views: 1272
Have you ever struggled to accept the debts of a spouse or a family member? With the onslaught of financial problems during the recession, a lot of marriages failed and families were permanently destroyed because of debt. It is quite unfair that the whole family has to suffer just because your ... Views: 1272
When faced with bankruptcy or are in over your heads with multiple loans, which all need to be serviced, obtaining low interest personal loans, could be the only way out for you. They offer a financial safety net which gives your greater freedom and flexibility to get your act together, and take ... Views: 1271
A lot of people face the risk of going on default mortgage every single day, and it is safe to say that the majority of them do not know what to do to fix this situation. Calling financial counseling hot lines will take much of your time without giving you the results that you ... Views: 1271
This book review is part of a series that covers the topic of Personal Finance. The Official SelfGrowth.com Guide to Personal Finance is Leo J. Quinn. Personal Finance involves the ways in which individuals obtain, budget, save, and spend money over time.
Personal Finance For Dummies, 5th ... Views: 1270
A credit report can be termed as a value that helps in establishing the ability of a person to repay a debt that is being borrowed either from a bank or a lender. It is also utilized by various credit card companies that provide several incentives and high credit limit based on the credit score. ... Views: 1270
Every year payment of income tax is mandate a per the law and every person getting income in the form of salary, earnings through business, earning through investments, rental earnings etc are subject to payment of taxes on such earnings. Income tax is not something that only Indian living in ... Views: 1269