Personal Finance Information

Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!


Frugal living is more than a lifestyle. It's a passion.

Top 10+ Ways to Jumpstart your New Year's Finances!


Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system.

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?


I think most of us have at some point in our lives. Some how we forget to feed the little piggy.

Budget Planning - Its Elementary My Dear Watson


Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?..

Save Money on your Clothing Budget. Tame the Closet Monster!


Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier.

More Money? My Cup Runneth Over...But Im Still Thirsty


Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

How to Draw a Personal Budget that Works


Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

5 Ways to Absolutely Destroy Your Finances!


Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.

A Fresh Start for Family Finances in 2005


While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.

Money Matters: Strengthen Your Marriage by Putting Finances in Order


Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.

Organizing Your Finances - Thinking Outside the (Shoe) Box


If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements - paid and unpaid alike - as well as a few tax forms, a stray paper clip and a penny.

Kundalini Lessons - Money


I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.

Know Thy Finances


The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D.

The Wright Place - Finances


Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.

Whats The Truth Behind Your Finances?


Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet.

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05/18/2017 11:16 AM
The 6 Habits of Financial Health
From the moment you wake up to when you go to sleep, you make constant choices. Should I eat the salad instead of the burger? Should I go jogging after work? And much much more. Over time we form habits, good and bad ones. Every day, we constantly try to implement more good habits in our daily routine. "Running on Tuesday, Friday, and Sunday; High-Intensity Interval Training (HIIT) on Monday and Thursday", those are mine with few "Should I go and grab a coffee with a friend and skip the HIIT for today?". Of course, the better your lifestyle is the better your physical fitness will be. Financial fitness, like physical fitness, is mostly about good habits. Here are the 6 habits to adopt for better financial health.
05/16/2017 02:44 PM
Critical Decisions in Your Retirement Planning
Retirement Planning may be looked at as having two distinct phases; the Accumulation Phase and the Distribution Phase. Let's take a look at both. The Accumulation Phase is the period of time between starting your working career and your ultimate retirement.
05/11/2017 08:34 AM
Five Ways To Make Your Adult Child Financially Independent
Most people in their 50s and 60s are looking forward to enjoying the fag end of their careers and an easy retirement. Yet, a shocking number of parents continue to provide monetary support to adult children, often putting their own financial security in jeopardy. Find out more about how you can make your adult child financially independent.
05/08/2017 02:50 PM
Five Biggest Mistakes of Not Hiring an Investment Advisor
These are the top five common mistakes we see made by individuals not hiring an investment advisor. It's important to understand the job of an investment advisor is much more than picking a fund.
05/03/2017 07:59 AM
Tips For Saving Money Fast Even If You Are A Spendthrift
Do you feel that you are spending more than you should? Are you finding it difficult to make both ends meet? Are you still not able to take your family to the exotic locations you like for your annual vacations? Then, it is is high time you must think of ways to save money. In fact, these ways can help you save money quickly as well. Not only that, you need not struggle very hard for adopting these ways. Let us have a look.
04/26/2017 11:55 AM
7 Essential Ingredients for Your Best Financial Recipe
Do you know the essential ingredients to create your well thought out financial plan? Learn the seven critical steps all financial plans require, and don't make the same mistake my mother did.
04/26/2017 11:55 AM
Will You Transition The Legacy You Intended To Transition?
When we die, we are going to pass to our loved ones a lasting legacy of who we are. Does your estate plan intentionally pass the legacy you have planned for? We can leave a legacy of angst and frustration, or one of information and understanding. Which one will your's be?
04/26/2017 11:54 AM
Write It Down As If Your Life Depended On It
Information is critical, especially when one is unable to convey it himself. By writing down your wishes, not only are you protecting your legacy, but you are giving peace to your family.
04/23/2017 10:42 PM
Not All Dividends Are Created Equal
The word "dividend" is often thrown around so loosely that its meaning gets confusing. Thus it is important to note the difference between Life Insurance Policy dividends and Investment dividends.
04/21/2017 12:10 PM
My Solution For People's Spending And Views On Negative Interest Rate Alternatives
Never Have Negative Interest Rates. Economic activity is not dependent on the decision of interest rate. The above statement has to be understood deeply by all the people across the world Economic activity is dependent on three dilute principles
04/17/2017 11:28 AM
How to Protect Your Retirement Accounts
A new move by President Donald Trump which delays and reconsiders the Department of Labor's fiduciary rule, scheduled to go into effect in April, may mean higher costs for individual investors and retirement plans, especially 401(k)s offered by small businesses. Fortunately, the threat of the regulation had already started to change the way financial institutions do business. Some firms have moved away from their higher-cost products and toward making their fees easier to explain to clients.
03/31/2017 04:01 PM
How To Manage Personal Finances
Usually managing personal finances for many people is a very difficult and stressful thing and it leads many into deeper debts. One needs to understand his or her finances better. Know how to get and make money, how to prudently spend it and how to invest and save it better.
03/30/2017 08:54 AM
5 Common Retirement Planning Mistakes And How To Avoid Them
At some point, each of us will wonder when we will be able to stop working. If we are smart and begin our retirement planning early and strategically, that day may come sooner than we would initially expect. Unfortunately, too many people commit major mistakes when it comes to planning for the future. Young folks are particularly short-sighted when it comes to setting money aside for the years down the road. There are a few common mistakes that serve as a good warning. Take a look at the following financial what-not-to-dos:
03/12/2017 10:10 PM
How to Pay Off Your Home Loan Sooner
Are you looking for ways to save on your home loan? Following these simple tips will put you on the path to paying off your loan sooner or if your goal is to purchase an investment property, creating equity from which you can draw on.
03/06/2017 04:33 PM
Federal Employees, Are You Financially Ready to Retire?
As a Federal Employee it is critical to know where you stand with your retirement. Do you know when you can retire, what age and years service you need to retire with full benefits? Do you know how to best position you Benefits? Are you contributing to much to your TSP? Are you paying to much into FEGLI? Have you compared your Retirement income to your current income?
03/03/2017 08:45 AM
Planning Considerations for Those Close to Retirement
For those that are a few years away from retirement, the planning objectives start to shift away from accumulation and growth to income planning and capital preservation. There is simply not a "one size fits all" approach mainly because each set of facts and circumstances is different. For example - those that are bringing debt into retirement must consider ways to pay down that debt prior to retirement. Those that are planning to work part-time must consider the tax implications of their earnings and strategize the most efficient way to take social security benefits.
02/23/2017 12:30 AM
The Main Advantages of Online Rent Collection
It Is Safer The Federal Trade Commission reveals that about 9 million people will be victimized by identity theft each year - that is about 18 people per minute. When the fraud takes place, the FTC estimates that it would take $500 and half an hour for an average victim to resolve each case of identity theft. Except if your tenant personally hands over the check on a monthly basis, the fastest way to fall prey to these types of crimes is by getting a rent check.
02/23/2017 12:23 AM
Advantages of Collecting Rent Online
Due to very fast Wi-Fi and mobile apps available these days, people can go online to pay their bills and schedule their appointments. Renters also use such technology to pay on time and manage their funds. Handling payments from wherever you are (with no annoying paper checks) is the new standard.
02/22/2017 09:12 AM
How To Turn Your Negative Cash Statement Into A Positive Cash Statement
Speaking of cash statements - it is not an impossible task to turn it from negative to positive. There are few tips that you always need to keep in mind to control your cash flow. One of the most important things is to cut down all your unwanted expenses.
02/08/2017 03:47 PM
Are Your Finances Ready for Fun?
While the best things in life are free, as the saying goes, some of life's great experiences do have a price tag. If you're considering fulfilling your childhood dream of hiking the Appalachian Trail or you're offered tickets to see your favorite team play in the championship game, you know these experiences can be costly. Yet these opportunities can be within financial reach if you have a plan and sufficient funds set aside.
02/07/2017 11:44 AM
Later Life Mortgages
Later Life Mortgages (Equity Release) - allow older people, who otherwise would not be able to release equity - cash - from their homes, generally by way of a mortgage/remortgage, for whatever reason, to do so. Many (but by no means all) reasons for releasing cash from your property are listed below. The Equity Release market is growing massively as people realise that they may as well be enjoying the growth on the value of their properties, rather than leave all the equity tied up until the last partner passes away especially if they have no close relatives to leave it to - even if they do have relatives people are deciding more and more to enjoy the fruits of their labour - while they can.
02/03/2017 11:00 AM
Top 5 Binary Option Strategies
Your Binary Options strategy determines whether you will win or lose money as a trader. Consequently, many traders are constantly looking for a better strategy to increase their profits. This begs the questions whether there is such a thing as a perfect Binary Options strategy, and, if so, how to find it. In this article, we will answer this question.
02/03/2017 10:47 AM
Three Simple Tips to Manage Your Money
Having defined goals, controlling your expenses, and planning are connected. You can develop a plan to achieve your goals and control your expenses.There is always a way to improve your financial situation if you know exactly what to do as a business or private individual.
02/01/2017 02:02 PM
January's Financial Stress
Christmas is over and the bills are arriving. It's time to figure out how you are going to handle the January financial stress. Following are some hints that will help you to get back into control again:
01/27/2017 02:22 PM
The RESP: Frequently Asked Questions (FAQ)
An RESP is a "Registered Education Savings Plan" and it is a popular tool to save for education. The idea of the RESP is that you would contribute money into an account, and the government would contribute 20% of what you put in up to $500 per year. There are additional grants available, but there are conditions based on having lower income.
01/26/2017 10:47 AM
The Struggles of Saving
January is the month where most financial goals are set. If you think you messed up with your finances last year, then you might want to read on as we will point out the common reasons why some people can't save money. However, if you have stumbled upon this article in the middle or last quarter of the year and your bank accounts have little to no activities in previous months, then you have all the more reason to read, reflect, and reset your financial goals.
01/21/2017 11:57 AM
10 Ways To Teach Kids About Money
Did your parents teach you about finances when you were growing up? Would this knowledge have made a difference about how much money you have as an adult? Here are ten things you can teach your kids to help them feel confident about money.
01/17/2017 12:08 PM
10 Personal Finance Tips That Will Change Your Perspective
You've heard all of the common financial advice at least 100 times. How about a few tips that you might not have heard before? A new perspective can generate new thoughts, ideas, and actions. A new perspective might change your financial future and your life.
01/11/2017 11:11 AM
Taking Bold Financial Risks
'There is a way that seemed right unto a man but the end thereof is destruction' The above saying can be said to be true in some instances, but from the moment when I discovered the true meaning of wealth, I have never met a wealthy man who came into his fortune without having to take certain decisions, actions that seemed futile at that particular moment. It is an obvious fact that making a headway in life requires a certain level of risk taking ability. Your ability to take the 'bull by the horn' in seemingly difficult...
01/03/2017 11:13 AM
Your Children Can Become Better Personal Finance Managers Than You Are
We live in the era of technology. Websites and mobile apps can help your children to become better personal finance managers than we are.
12/29/2016 11:24 AM
Equity Trading - 5 Blunders Almost Every First Time Investor Make
By no means is equity trading like rocket-science. However it is complex enough for the new investors- without a good broker by their side- to make the same mistake time and again; like not diversifying the portfolio, unrealistic expectations, short-term vision, believing in rumors and diving straight to day trading. Resolve these mistakes and even novice stands a chance for a higher return.
12/28/2016 09:44 AM
How to Increase Your Investment Portfolio Efficiency to Outperform
We will discuss how to increase your portfolio's efficiency through a series of proven disciplines. You can increase your investment performance by double digits by implementing our 4 Phase system that we have been providing our clients for two decades. Whether you own stocks, mutual funds or ETFs, knowing when to buy, sell and hold according to your objectives and risk tolerance will increase your rate of return without keeping you up at night.
12/27/2016 09:12 AM
Year End Outlook
Since November 9, the stock market has rallied about 5%. I am comfortable with this rally and I am cautiously optimistic that it can continue. First, as we have discussed all year, the stock market often moves higher after a Presidential election because the anticipation is over.
12/16/2016 02:03 PM
Stay Healthy and Wealthy in 2017
It's time to start thinking about your New Year's resolutions for 2017 and a fresh start to the year ahead. When you are thinking about those resolutions you might want to consider some resolutions that could save you money. What are your financial goals for 2017. Here are some tips to help you get into financial shape this year!
12/14/2016 09:20 AM
Why the Germans Do Not Prefer Electronic Payments
Industry experts are predicting that cash will be obsolete in a few coming years. However, there is a European country which is following a totally opposite trend. In Germany, the use of physical cash is more than any other country in the world. According to a research conducted by Federal Reserve, the people of Germany use cash in 82 percent of their financial transactions.
12/11/2016 08:08 PM
Banking Problems
Bank fraud is on the rise. When a close friend shares with you their banking problems you begin to realize just how close to home the problem really is. A close friend who takes care of our one hundred old mother checked her bank account on Friday and noticed the balance had dropped.
12/09/2016 09:13 AM
Post-Truth: Facts Pale by Comparison
Chuckling to myself, I could not pass up the opportunity to highlight the Oxford Dictionaries' international word of the year for 2016, post-truth, an adjective defined as: "relating to or denoting circumstances in which objective facts are less influential in shaping public opinion than appeals to emotion and personal belief." Why was I chuckling?
12/08/2016 08:36 AM
Funding Your Retirement With After-Tax Dollars
Funding your retirement account can be achieved with either pre-tax, tax-deductible contributions, or after-tax contributions that allow you to withdraw tax-free money when it's time to retire. It is possible to participate simultaneously in both a pre-tax and after-tax retirement plan, if it is permitted by your tax-deductible retirement plan.
12/05/2016 02:19 PM
10 Financial Opportunities to Consider in 2017
The start of a new year is a great time to take stock of your financial life. Have you done all that you can to put yourself in the best possible position? Or, have you missed out on some important financial opportunities?
12/02/2016 09:35 AM
What Everybody Should Know About Credit Scores
For starters there are different classifications for what is considered a good credit score. They can also be described as poor, average, good, great, excellent, or even exceptional based on the credit score number that you have. Your credit score will fall within one of these categories, but keep in mind the names for these categories differ from industry to industry but to give you a general idea of how good, or bad your credit score is, we have provided you this article outlining what most lenders or banks, even credit card companies and car dealerships, use to determine the likeliness of providing you with a loan at a reasonable rate.
11/30/2016 04:24 PM
Year-End Tax Planning: Funding Your Retirement
The year will soon end and if you have not yet done so, consider putting together a tax planning strategy that includes saving for retirement. Entrepreneurs, Solopreneurs and all business owners are our own employers and we must secure our financial futures, whether we'll squeeze a few thousand dollars from modest billable hours or roll in the overflow from a lucrative year. Under no circumstances do we want to be old and broke in America and if one is single and female, that is a real possibility. Fortunately, there are good retirement plan options available to those with a few thousand dollars to spare and the discipline to save. Mostly, taxes are not due until it's time to draw down on the account (age 59 1/2 the youngest and age 70 1/2 the oldest).
11/30/2016 12:30 PM
Tips for RMD Season
Required minimum distributions, or RMDs, are the taxable payouts that investors must take out of their traditional IRAs, 401(k) plans, 403(b)s, 457s, Simple IRAs and SEP IRAs after turning 70?. Retired households oftentimes have to tap into their retirement accounts for monthly income needs and have no issue meeting the minimum requirements.
11/30/2016 12:27 PM
The Importance of Gifting
With the holiday season in full swing, most people begin to think about what's on their loved one's annual wish list. While the latest high tech gadget might be a great idea, have you ever thought about how far a monetary gift can go?
11/30/2016 12:26 PM
Don't Be Scared to Save
re you spooked at trying to save more money? Everyone knows that the sooner they save, the farther it'll go in the long run, but saving is more than just spending less, it's about maximizing your income.
11/23/2016 11:47 AM
What to Do If Your Bank Tells You Your Savings Rate Has Been Reduced, AGAIN!
With returns on cash accounts having fallen by an average of 75 percent since 2012, this article looks at how to grow your money with low risk investments. Leaving your money languishing in the bank is actually shrinking your wealth - you need to make the transition from saver to investor.
11/16/2016 09:24 AM
How You Measure Risk Will Affect the Success of Your Retirement
Read our article on why financial planning tools are dangerous for the well-being of your retirement. We will discuss fear tactics used to sell you and how you can use dynamic, up-to-the-minute risk assessment for your portfolio that will lower your volatility and increase your rate of return.
11/14/2016 10:58 AM
Sometimes Doing What Is Viewed As the Wrong Thing, Is So Right!
The Government have decided not to go ahead with a secondary annuity market in the UK. Some think this is wrong but I think that they have made the right decision on this occasion.
11/11/2016 09:27 AM
Concerned About Having Enough Money For Retirement?
Are you dreaming about retirement or are you having a hard time sleeping at night because you're not sure when and if that will ever happen? Whether you're in your 40's, 50's, 60's or even 70's, you will want to know that there are options for creating and living the retirement you want. If you're tossing and turning over your retirement concerns every night, this is for you.
11/07/2016 11:45 AM
Endowment Fund Performance Numbers Posted
A few interesting statistics caught my attention recently as I start to look to planning for 2017. Per Pensions and Investment Magazine - the largest educational institutional investors posted their annual portfolio returns for the year ending September 30th. The average returns posted was -1%. The best in bunch was Yale University which posted a positive return of 3.4%.
11/03/2016 11:31 AM
How Can I Pay the Rent?
Through Money Order Money order is a secure form of payment (just like a cashier's check), and is derived from prepaid funds that are issued by post offices, banks, groceries or drug stores. Though money orders are great for one-time payments, they are not practical for long-term payments for rent since the tenant needs to go out every month to get one. Through Email Transfer or Direct Deposit Since email transfer and direct deposit are easy and convenient to instantly...


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