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
- 12 Month Installment Loans - Repay as per your convenience! - by Submitted on Nov 21, 2011 from Alan Ronald12 Month Installment Loans are designed for ordinary people who have enough earnings but they are unable to deal with their unexpected and unwanted financial expenses and need money quite often to remove unwanted fiscal worries. People suffering from such condition can avail 12 Month Installment ...
Views: 1541 - Credit Card Rewards for Charity - by Submitted on Jan 30, 2013 from Noreen RuthReward credit cards provide people with an opportunity to get a little extra by simply using credit for purchases. While there are tons of different personal rewards available for consumers to choose from, some individuals selflessly use the rewards programs to earn extras for charity. Chances ...
Views: 1541 - 47 Simple Ways To Save Money - by Submitted on Jan 13, 2019 from Madolyn KuoWe all want to have a lot of money to spend and would have the ability to buy anything we want. It does not happen very often in the real world. When we are young, our parents would pay for our food, school, entertainment, and etc. When we grow up and start to make money on our own, we start to ...
Views: 1540 - Schedule C Tax Tips - 3 Easy Ways to Reduce Self-Employment Tax - by Submitted on Feb 25, 2011 from Wayne DaviesFrustrated with the amount of self-employment (SE) tax you pay each year? You should be. The sole proprietor pays twice as much in SE tax (15.3%) as the employee pays in federal payroll taxes (7.65%). What's a Schedule C filer to do? Here are three ways to reduce the dreaded SE tax. 1. Take ...
Views: 1539 - Tithe To Thrive! - by Submitted on Nov 06, 2007 from Stacy CorriganTithe to Thrive! Was your first reaction, “Sure, tell me another one” or “Hmm, I haven’t heard about tithing in a while.”? Or, are you more like my friend who is a bright, talented and successful person, yet did not quite know what the word was? It is not ...
Views: 1539 - Equity and Fairness in Parenting--Is There Ever Any? Part 1 - by Submitted on Jun 28, 2011 from Jennifer CarusoPart 1 will deal more with how to divorce. This divorce article is a step towards some fairness. When two people are divorcing while children are involved, who gets to decide what is best for the kids? If you are getting divorced, do you think it will be you? Think again…here are some ...
Views: 1538 - Missing The Personal Franchise Wave? - by Submitted on Jun 23, 2008 from Andrew Van ValerA Personal Franchise is a legal and commercial relationship between the owner of a trademark, service mark, trade name, or advertising symbol and an individual or group wishing to use that identification, products or services in a business. Each personal franchise business (franchise) has been ...
Views: 1538 - Reinvesting Proceeds from REO Flips Into Commercial Properties - by Submitted on Dec 03, 2009 from David LindahlIn 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: 1538(10 votes) - *** 5 Retirement Investing Tips - by Submitted on Dec 09, 2009 from Bill LoseyEach time we have a bad market, the media pundits starts saying “it’s different this time” and we all buy into it. The reality is they’re partly right because the circumstances surrounding each drop are rarely the same. However, I attended a conference and was shown how in each of the last 12 ...
Views: 1537 - Looking For a Come Up: Cutting Unnecessary Spending on Electronics - by Submitted on Jul 04, 2015 from James BurbankThis is not a revelation of some sort, this is just a simple comparison and a few simple advice that I just love giving out to my friends. Since my line of work depends heavily on electronics, smartphones, tablets, various software, etc., I’m constantly involved in conversations that I would ...
Views: 1537 - Saving – Your Part in Fixing the Economy - by Submitted on Feb 23, 2011 from Robert Schmansky“Anything that we can do to raise personal savings is very much in the interest of this country.” – Alan Greenspan The FPA, along with more than 1,000 non-profit, government, and corporate groups, supports America Saves Week, this February 20-27. There is never enough to be said about the ...
Views: 1537(1 vote) - Credit Repair Mindset - by Submitted on Jan 21, 2011 from Matthew WierzbinskiYou have to consider your whole situation when you are thinking about undertaking credit repair. Do you have the time to do it yourself? Do you want to learn how to do it yourself? Are you comfortable doing it yourself? That is the same as asking if you have enough confidence to feel you ...
Views: 1536(2 votes) - 6 Best Uses of Personal Loans you Should Know - by Submitted on Jul 31, 2018 from Arwind SharmaWith disbursal within 24 hours, a Personal Loan is a quick solution to all financial needs of borrowers. Banks and NBFCs engage in severe competition to provide the most beneficial Personal Loans to their customers. So, the majority of them offer attractive Personal Loan interest rates to ...
Views: 1535 - How To Minimize Debt Payment Obligations - by Submitted on Mar 11, 2013 from Samantha SeiffertBeing in debt puts you in a different level of financial restriction. You need to understand that you need to put as much amount into your debt payments as you possibly can. That could mean increasing your income or decreasing your expenses. The difference between the two will be your disposable ...
Views: 1535 - The Riddle Around Credit Card Debt - by Submitted on May 06, 2012 from Brian FarrellCredit card debt has a habit of creeping up upon you. At the outset you perhaps pay little attention to the fact that your situation is getting out of control. Anyhow, as time passes more of your expendable income is going towards paying down your tiny plastic friends. Then some fine day you ...
Views: 1535 - Do Your Taxes Have Bad Breath? - by Submitted on Sep 17, 2013 from Justin KraneYour taxes only end up stinking if you put them off till the last minute. You are trying to back away from them but their stank is just ridic? They have no idea how bad their breath is! Especially when they eat the onion bagel with lox cream cheese! You’ll do anything to avoid their ...
Views: 1527(1 vote) - 3 Debt Negotiation Tips To Ensure Debt Freedom - by Submitted on Mar 01, 2013 from Samantha SeiffertGetting out of debt is undoubtedly the hardest thing that you will ever encounter. The road towards debt freedom is filled with frustrations, discouragements and temptations. Having to squeeze all your expenses to fit your limited budget is no easy feat and this is why a lot of people opt to ...
Views: 1526 - Financial independence, and the mindset to make it happen - by Submitted on Feb 26, 2012 from R.C. ThorntonBefore I hop into this article, I think I should clarify something: What does financial independence mean to you? In a sense, it's sort of a "buzz word" that bankers and financial planners endeavoring to earn commissions off of your investments throw around, as if working with them is your ...
Views: 1524 - Investment Performance Evaluation Re-Evaluated: Part Two - by Submitted on Apr 27, 2009 from Steve SelengutThe Working Capital Model (WCM) looks at investment performance differently, less emotionally, and without a whole lot of concern for short-term market value movements. Market value performance evaluation techniques are only used to analyze peak-to-peak market cycle movements over significant ...
Views: 1523(9 votes) - *** Coping with the Prospect of Inflation in Retirement - by Submitted on Jul 02, 2009 from Karyn MaierQuestion: I’ve been thinking about retiring for a few years now but I’m really concerned about how expensive everything is. I’m still working and wondering if I’ll ever have enough to retire. How do you help people cope with high inflation? Phillip, CT Answer: I help my private clients ...
Views: 1521(17 votes) - Appeasing the Gods of Government - by Submitted on May 31, 2010 from Elaine CorreiaWe are moving into the season of the year where we pay our dues and financial homage to our government. It is a period some people would prefer that Time somehow skipped. Many people shudder at the uncertainty of what lies ahead in their personal tax picture, the constantly changing rules and ...
Views: 1521(3 votes) - How Much Can I Make Investing in Real Estate - by Submitted on Aug 07, 2017 from Rachael MurpheyAccording to financial blogger Brandon Turner, real estate has been far and away the vehicle of choice to propel people into millionaire status. But how exactly do you make money in real estate? First, you must decide: What Type of Investing Do I Want to Do? One of the most obvious ...
Views: 1520 - Prepaid Debit card and Credit Card, What's the Difference? - by Submitted on Mar 22, 2015 from Paul JuellDifference between a Prepaid Debit Card and a Credit Card A prepaid debit card and a credit card are virtually the same in appearance. In fact, they are used in much the same way; you find a product or service you want and give the merchant or service provider your card for payment. While ...
Views: 1518 - 7 Frugal Living Tips to Help You Spend Less and Save More - by Submitted on Sep 20, 2011 from James AldridgeWringing your hands over the mountain of debt you now have trouble paying off? Whether you owe one person or at least three credit card companies, there is no better time than now to get your hands on frugal living tips that are easy to do, and pay off just as quickly. You don't have to go to ...
Views: 1517 - Student Loan Debt Highest Among Middle-Income Students - by Submitted on Nov 09, 2010 from Jeff MictaborAccording to a new report issued by the College Board, students from families whose median annual income falls between $60,000 and $90,000 leave school owing about $35,000 in student loans, compared to students from lower-income families, who graduate with about $25,000 in student loan ...
Views: 1517(3 votes) - Managing the Income Portfolio - by Submitted on Dec 02, 2005 from Steve SelengutThe reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and ...
Views: 1515(1 vote) - Warning Signs of a Recession - by Submitted on Oct 06, 2009 from Yossarian SmytheRecession is the economic term used to describe a certain period of general slowdown in the economy. The last recession that happened in the US was back in 2001, although the extent of that recession is not comparable to the global recession happening today. Here are some of the warning signs ...
Views: 1515(1 vote) - Top Three Low-Risk Investment Options - by Submitted on May 19, 2015 from Sergey SosnovDeciding where to invest your hard-earned money can be difficult. There are so many options available, and each carry a level of risk. It is up to investors to determine how much risk they are comfortable with before buying financial products. Although high-risk investments generally bring ...
Views: 1514 - What Is The Process Of Efiling Income Tax? - by Submitted on Apr 06, 2013 from priya sharmaIt is essential for everybody in the country to pay income tax. Surprisingly only 3.24 crore people make payment on income tax every year and that is not much given the population figure and the fact that there are so many people earning income every day. As an Indian citizen it is mandatory to ...
Views: 1514 - After the Great Recession: Maximizing your Financial Potential - by Submitted on Dec 04, 2011 from Sarah WatersLooking at the latest trends in financial patterns among US consumers, it’s safe to say that many of them have begun to learn the lessons of the Great Recession. In the third quarter this year, consumer debt has continued to go down. While much of this has to do with the fact that some ...
Views: 1513(1 vote) - Accelerated Debt Reduction - Save Money - Do It Yourself - by Submitted on Sep 10, 2013 from Ruthsella CorasolAccelerated debt reduction is usually advertised by debt settlement companies wanting you to believe that the only way to get rid of debt quickly is to negotiate with your creditors to accept a reduced amount of money as payment for what you owe them. The truth is there really are ways to ...
Views: 1512 - Penny Stocks 101 - by Submitted on May 28, 2010 from Penny Stock RumbleSo you've decided to jump into penny stocks and give it a whirl. The opportunity of investing just a few bucks with the potential of 1000% gains is certainly attractive. Did you know True Religion Apparel, Inc. (TRGL) was once a penny stock? It now trades at over $30/share. The terms "penny ...
Views: 1511(5 votes) - 4 Ways to Quickly Increase Your Credit Score - by Submitted on May 10, 2017 from Jessica McMohenIs your credit score far from where you want it to be? Did you recently get turned down for a credit card or loan offer? Or are you hoping to buy a house soon and know that you won’t get a favorable interest rate? While it’s virtually impossible to boost your credit score over night, raising ...
Views: 1510 - Become Financially Independent! - by Submitted on Jun 06, 2007 from Tom KellyYes, it is possible to become financially independent! Here are 6 steps you can follow that will help you reach your goal of becoming financially independent: Step 1 - Educate yourself Educate yourself on personal finances by picking up a good financial book, or find yourself a good ...
Views: 1508 - ESSENTIAL STEPS TO FINANCIAL FREEDOM - by Submitted on Jan 03, 2010 from Suzanne QuinnIn her new book, Own Your Life, 7 Essential Steps to Independence, author, speaker and lawyer Suzanne B. Quinn guides the reader through the seven essential steps to personal and financial security and independence. This article is an excerpt from her book, comprising one of the seven ...
Views: 1507(6 votes) - Self employment and health insurance - by Submitted on Apr 13, 2010 from james whiteThere is no doubt when you ask most people they would love to be in complete control of their working life. Although in theory it is a nice thought, self employment is an uphill struggle with a great deal of work and pressure. The brave ones who make this leap will recognise this, they will also ...
Views: 1507(3 votes) - The REAL cost of divorce - by Submitted on Jun 04, 2012 from Adele TheronDivorce in many cases is becoming a fast route to poverty. Not only does divorce often bring a severe heartbreak that can take a vast time to heal. Research shows that people are not healing from divorce. > The 2nd marriage divorce rate is 53% > 3rd marriage divorce rate is 72% and > ...
Views: 1506 - ***What's The Best Way To Invest For Retirement? - by Submitted on Jun 15, 2009 from Bill LoseyIf you talk with 10 different advisors, they’ll all have their own opinion as to what the best way to invest for retirement is. Some prefer actively managed investments. Some prefer passively managed investments. Some like to trade daily while other advisors like me prefer a combination of ...
Views: 1505 - Swing Hard (Just in Case You Hit It) - by Submitted on May 23, 2014 from Mike RobbinsIn July of 1992, the summer between my senior year in high school and my freshman year at Stanford, I got invited to play in the U.S. Junior National Baseball Championship tournament in Boise, Idaho. It was a pretty big deal. Some of the top high school players in the country were there, ...
Views: 1505 - Biggest Causes of Stress - Do you experience these? - by Submitted on Feb 20, 2010 from Jill RheaumeWhile everyone reacts to situations differently, some of the biggest causes of stress today are common among a lot of us. But the truth is, even though these things are labeled as "causes of stress" the only thing that can actually cause your stress is YOU. Your belief system will dictate ...
Views: 1504(2 votes) - Did You Buy Real Estate As a Kid? - by Submitted on Sep 17, 2013 from Justin KraneReal Estate Can Help You Build Wealth Remember playing the game Monopoly? You had all of the cash. You were raking in the dough. You bought real estate . . . and you built houses. You were killin’ it! People would land on your properties and they would have to pay you rent. Cash money ...
Views: 1503(1 vote) - Driving Under The Influence (DUI) And Car Insurance Don't Mix - by Submitted on Dec 04, 2009 from Kade PhillipsDrinking and driving is obviously a mistake for many reasons. One of the effects of a 'driving under the influence' conviction that many people fail to realize - is just how severely your car insurance rates can be affected. If you're covered by a policy at the time you're convicted of a DUI, ...
Views: 1502(3 votes) - Stress Less, with Steps to Keeping Your Financial House in Order And Money Mindsets to Avoid - by Submitted on Oct 13, 2017 from Leon EdwardThese cash frame of minds can keep you from having a healthy relationship with your loan. Fortunately? These are practices that can be modified. There are numerous habits you must be conscious of in yourself if you're prepared to change your money state of mind. - Here and now. This is ...
Views: 1502 - 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 - Mortgage Acceleration Made Easy - by Submitted on Jun 17, 2009 from Garry RichardsonWouldn't it be nice to be debt-free? The American dream of homeownership has traditionally come with a 30-year mortgage. Add to that credit cards, car loans, college tuition, and the average consumer is drowning in debt. Over the last few decades this has become our way of life, buy now, pay ...
Views: 1500 - ***My 401k Match Got Suspended! - by Submitted on Sep 29, 2009 from Bill LoseyQuestion: My company recently sent out a memo saying they were going to suspend their matching 401k contributions for the rest of 2009 and maybe 2010 as well. This could dramatically affect my ability to retire. Are they allowed to do this? Christine, New York, NY Answer: Christine, each ...
Views: 1499(3 votes) - 3 Common Unhealthy Money Types: Is This You? - by Submitted on Aug 25, 2013 from Valery SatterwhiteMoney at its essence is energy. And it is the energy we have around money that shapes our fears, anxieties, desires, needs and insecurities. We all learned money lessons as children. The beliefs we took on for ourselves serve as the foundation of what become our money personality. And we all ...
Views: 1498 - Build Your Own Safety Net of Savings - by Submitted on Aug 12, 2004 from Cindy MorusDo you walk the high wire of personal finance? Is every month a balancing act that works only as long as the next paycheck arrives on time? What happens if that next paycheck doesn't arrive? The cause could be many things which you cannot control: an illness, a layoff, a sales slump. If some ...
Views: 1498 - Here’s an Easy Way to Put Yourself on a Budget - by Submitted on May 28, 2019 from Patti FaganAs a financial coach, I sort of geek out when it comes to budgets. Most people would rather go to the dentist than do a monthly budget. But I want to share a super simple budget plan I Learned from Daily Worth Founder, Amanda Steinberg. Even women who hate budgeting will love this. I ...
Views: 1498 - The Only 2 Things You Can Invest - by Submitted on May 09, 2013 from Jamie BushWhen we talk about investing, most people think that there is only one way to do it. If you asked 100 people on the street what you need to be an investor, almost all of them would answer with money. While that is half correct, it is only one of the correct answers. The other one is less talked ...
Views: 1497