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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11/08/2017 02:59 PM
Why You Should Learn to Swing Trade, Even If You Have a Busy Life
I tried day trading once. I tried to fit it in between working 60 hours a week, continuous meetings and phone calls, coaching, volunteering for school, etc. Let's just say it didn't work out.
11/08/2017 10:13 AM
Traits And Skills of Bank Customer Service
Customer service is one of the most important parts of mobile banking. Banks are actually service based kind of business so many of the activities involve service elements. They do sell financial and banking products, but the tangible product is very little. The service manager's deal with service issues directly, but there are some jobs that have to do with service.
11/08/2017 10:12 AM
Telephone Banking And Its Popularity
Banks as well as other kinds of financial institutions provide telephone banking. It allows customers to perform different kinds of financial transactions on phone without necessarily going to the bank physically or going to the ATM. For this kind of banking, customers enjoy longer opening times and there are actually institutions that make the service available 24 hours every day. There are restrictions regarding the accounts accessed through this method and amount limits that one can transact.
11/01/2017 03:42 PM
How to Handle the Effects of Inflation During Pre-Retirement and Post Retirement
We often hear from our parents and grandparents that they used to buy movie tickets for Rs. 5. Milk that we used to buy for Rs. 13 few years back has doubled now. Have you ever thought why such change in price happens? The answer is inflation.
10/31/2017 03:58 PM
Are You Aware of These 4 Improbable Claims Often Made to Investors?
Buyer Beware "The buyer needs a hundred eyes, the seller but one". This proverb cannot be over emphasized as a buyer needs to be on his guard whenever he or she chooses to make a purchase of goods or services.
10/31/2017 12:04 PM
What Can Bring an Economic Boom to India?
How bad is bad? Or for that matter how much sugar is there in sweetness, really? Perhaps we rarely stop to think. Bad or good are more or less absolute to us, and we often refrain from probing further into their causes. Personal health is one area however, which we do not leave to chance. So why should we not do the same about our financial and economic health?
10/26/2017 10:25 AM
Equity Financing: The Accountants' Perspective
Deciding to finance business could either be by equity or debt is viewed in different ways by different stakeholders in every business. The Accountant also has a perspective on that which I have expressed an opinion on.
10/25/2017 04:13 PM
The Importance Of Financial Means
They say money can't buy happiness. That is not entirely true. In today's world in America and all around the globe, money is the predominate means to attain the necessities of life.
10/25/2017 08:45 AM
How Long Is 'Long Term' in Equity?
For someone running the last 100 meters of a 42 Km marathon, one sec can seem to be quite a time. On the other hand, to change a simple habit in your life, a decade may seem quite small. Long Term, therefore, is a relative term in life. But it is not so in equity investments. Whether it is mutual funds or stocks, we can define Long Term quite precisely, clearly and objectively - with logical data points. Let us see how.
10/23/2017 03:19 PM
Eight Habits That Can Drive You Into Poverty
Many people are driven into poverty not as a result of their circumstances of birth but as a result of their own habits. I have explained here those habits. Pay close attention to this articles. Perhaps it will help you to avoid those habits.
10/18/2017 08:00 PM
Interest Rates Are Rising in Canada - Should You Be Concerned?
Interest rates have been rising slowly over the past 6 months in Canada. If you have debt, should you be concerned? First of all, if the debt you have is credit card or private debt that carries a high interest rate (20% or higher), the interest rate changes will likely not affect this. For other types of debt, it depends on what it is. There are 2 stages in looking at this.
10/18/2017 04:22 PM
Universal Basic Income: Visionary or Wishful Thinking
Universal Basic Income, also known as UBI, social credit and Basic Income Guarantee, is not a new concept. However, it is being looked at newly by the State of Hawaii as a solution to how AI (artificial intelligence) is likely to take over many of their jobs.
10/18/2017 03:56 PM
The Lure of Easy Money: Islamic Finance in the Age of Capitalism
Money. Money makes the world go round, or, well, any direction you want if you own it. So, when it comes to easy money, boy, it makes the world go haywire! Easy money - that is earned without the sweat and toil, normally, required for earning a livelihood. Who wouldn't, at least, be tempted by it? Society and its priorities change with the seconds of the change in time. Whereas morality and integrity were of utmost significance at a time in an obscure past, the priority of society, today, is amassing heaps of wealth. One may question, why not? If, having more zeros after a figure in your bank statement, surely, means having a greater influence and a vaster dominion over the world, then why are you playing the guilty conscience card on us?
10/17/2017 09:47 AM
Money Advice: 20 Minutes Learning to Help Make You Rich
Money advice: What money advice can you learn in 20 minutes to help you become rich? Here discussed 19 wise money tips to make you rich painlessly but with ironclad willpower. Napoleon Hill wrote: "to become rich consist of doing." Thus, get the wisdom here and act on it. You will become rich.
10/09/2017 02:36 PM
Benefits of IFSC Bank Codes
With internet banking becoming such a snowballing phenomenon, banks have to ramp up the accuracy and safety of such transactions. One of the ways to do that is by making details such as the IFSC number of the participating banks a mandatory pre-requisite when conducting these digital transactions.
10/05/2017 12:37 PM
5 Reasons Financial Planning Is Different For Women Than Men
Financial planning saves a lot of stress and anxiety over money. Both men and women - single or married - should take part in planning for their future. But women face a different set of challenges...
10/02/2017 08:44 AM
Planning and Achieving Financial Fitness in Singapore
This article gives reader a step-by-step overview of how to plan for and achieve financial fitness - from settling debt to investing excess cash flow. Each step is explained, in laymen terms, to ensure that readers grasp the concept at a glance.
09/05/2017 03:02 PM
How Does the RBI Rate Cut Impact FD Interest Rates?
RBI lends money to banks at a specific rate of interest which is known as the repo rate. Whenever RBI cuts the repo rate, banks reduce FD interest rates as they can now borrow from the Reserve Bank at lower rates. Banks take some time to implement rate cuts. It is this window that investors should utilise to invest in fixed deposits that offer higher interest rates. Before investing, investors should use FD calculators to find out the maturity amount and interest they would get on investments.
09/01/2017 08:01 PM
Stock Compensation Classification & Valuation in Divorce
Dividing stock compensation during the divorce process is one of the most complex issues clients face and it is important divorcing parties seek the proper advice and expertise. Within this article the term "stock options" and "stock compensation" are interchangeable and describe company benefit plans that award employees through stock compensation over a length of time called the "vesting schedule".
08/30/2017 07:47 AM
Will RoboAdvisors Inadvertently Cause Artificial Intelligent Market Makers?
Due to over regulation in the Financial Planning Sector most CFP (Certified Financial Planners) cannot afford to take clients who have less than $500,000 in net worth. This now leaves a huge gap in the market and means most in the Middle Class are left in the cold. To fill this gap financial firms have developed RoboAdvisors which uses artificial intelligence to help people determine how best to invest their money and develop their financial retirement portfolio based on their income, risk aversion, lifestyle, and time until retirement. On the surface this sounds like a sound solution, but it's not without its own set of challenges - one of which I'd like to discuss here today.
08/29/2017 11:51 AM
The Ultimate Savings Apps for Non-Savers
Nearly 50% of the American population has no savings set aside for retirement. Why? The reasons vary, however, for most, it is simply a lack of discipline. The apps covered in this article make saving completely hands-free.
08/25/2017 12:40 PM
The Importance of Knowing Your Break Even Point - BeP
BeP or Break Even Points are at the very core of what determines success for your business; they determine one of the most basic aspects of a trucking business - the hauling rate. The reason why so many trucking firms fail is because they don't factor in operational costs when establish hauling rates.
08/15/2017 10:52 AM
4 Problems That Legacy Planning Addresses
Legacy planning addresses many of the financial and familial concerns that one may have when leaving behind an estate. This article talks about a few of them here.
08/14/2017 02:32 PM
Three Lessons Learned on the Red Clay of Kay County
Mentors are incredibly valuable. This article is about the impact my grandpa had on my life and the three most valuable pieces of advice he gave me.
08/09/2017 12:02 PM
Five Common Ways People Lose Their Retirement Savings
When you've saved your whole life, you want to protect your assets at all costs. Regardless of whether you are nearing retirement or already there, you desire to preserve what you have diligently worked for. But did you know that there are certain behaviors that could cause you to lose your retirement savings?
08/03/2017 12:53 PM
Don't Squander Your Income
Today's world is brutal for anyone trying to get ahead. The expense of everything makes it hard to save and the cost of living is rising daily. Jobs are also hard to get and people falling through the cracks are now living on the streets in many cities.
07/31/2017 03:19 PM
Success in Retirement Planning May Start With the "B" Word
When the subject of conversation turns to budgeting folks begin to squirm in their seats, their eyes glaze over and one can almost read their thoughts; "I'm going to have to give up life as I know it!" That is not and should not be the outcome.
07/31/2017 11:46 AM
5 Benefits of a Multi-Generational Advisory Firm and What It Means For You
Many clients of financial advisors share a common concern and fear. Because the process of finding an individual to trust with their money is not something to be taken lightly, this concern can be magnified. Clients wonder what happens to them if their financial advisor retires or unexpectedly dies. Now what... ? Is your financial advisory firm prepared to deal with these what if scenarios? This commonly voiced concern is why advisory firms and the financial industry have begun focusing more on succession planning and multi-generational advisory teams. If multi-generational has you thinking "Big Deal" or "Who Cares?"... here are 5 benefits of a multi-generational advisory team and what it means for you.
07/31/2017 10:39 AM
One Dollar
Each of us wants to get ahead. And many are struggling to survive. The Nobel Prize winner, Doctor Albert Schweitzer, was asked: "what's wrong with men today?" He thought for a while. Then answered, "men simply do not think."
07/25/2017 08:00 AM
Scrap the Paper and Go Paperless
What are the benefits of a paperless lifestyle? Collecting bank statements, invoices, receipts, can cause unnecessary stress. It is important to streamline your life by going paperless and the payoff will be great. There are many benefits and methods of going paperless which are highlighted in this article. You will save time, money and will reduce your environmental impact. Say yes to paperless!
07/20/2017 10:57 AM
Living by Our Heartfelt Intentions
Let's look at what "Purposeful Spending" really means. It means, you get crystal clear on what you want and need in life and every time you spend, it is in full alignment with what you said you wanted and needed.
07/19/2017 03:08 PM
Sell Your Property FAST - With an Owner-Financed Mortgage Note
Find scores of buyers for your property with owner-financing. Create a mortgage note on your terms and then sell it for cash.
07/17/2017 09:02 AM
Money Transfer Threatens - Beware!
Would you trust anyone to babysit your child or care for your dog while you are away, without checking their credentials? Most certainly not, right? At least that's how we hope you would respond.
07/13/2017 10:40 AM
Saving Money to Save
Most of the personal finance books and blogs talk of saving money by being a smart and frugal shopper by using coupons, buying one get one free, perusing sales circulars or checking in to the merchants phone apps; but I have yet to read any advice on what to actually do with the amount of money that you save. If I just merely acknowledged that I saved half-off retail price on a pair of sneakers which is about a $40 savings then that's one thing, but that just keeps the balance on my checking account higher by $40. I would probably just find another item to spend that $40 on since it is technically free right? Get more retail bang for my buck so to speak. Instead my hack strategy recommendation is to discipline yourself to sweep that $40 you save into your savings account.
07/10/2017 12:13 PM
3 Mistakes Most Investors Make
Most investors make the same mistake by scattering their "eggs" in different "baskets". You don't have to make this mistake any more!
07/10/2017 09:18 AM
Five Practical Ways to Have More Money in an Economic Recession
You will agree with me that there is somebody you know who seems to always have more money than you, and you have been wondering what is his/her secret. Now listen up let me tell you how to HAVE MORE IN LESS. This is what am applying in my life and it is working
06/28/2017 09:46 AM
The 10 Most Common Sales Tricks
What is really happening when someone is trying to sell something to you? Here we reveal just 10 of over 100 tricks and techniques salespeople are taught to use when selling to us.
06/26/2017 11:38 AM
Top 5 Benefits of Outsourcing Your Bookkeeping Operations
Nowadays doing online business has made us more connected to each other, moreover it has become an important tool in bringing people closer in doing day to day work as well as backend business. Online community has made a difference in bookkeeping. It is like a tedious task which no one wants to do but avoiding it can produce serious repercussions. Thus the business owners want to hire someone who could do bookkeeping for them. Instead of doing it by themselves or doing it in house, business owners are finding it more advantageous by outsourcing it. Below mentioned are its top five benefits:
06/25/2017 11:45 AM
The Benefits of Donating IRA Distributions to Charity
If you've accumulated a significant amount of money in traditional and rollover individual retirement accounts (IRAs), you may want to consider tax-efficient strategies that can reduce your tax burden and benefit your favored charities. IRAs, while an effective tool for retirement savings, may also create tax challenges when you start taking distributions, which are subject to income tax. So how can you turn your IRA distributions into charitable donations and reduce your tax burden?
06/24/2017 10:34 AM
Financial Considerations for High-Income, High-Debt Professionals
Doctors, lawyers and other highly-trained professionals often have their sights on lucrative salaries once they complete their courses of study - but many are also saddled with a less pleasant graduation gift: outstanding student loans. For those who've landed a well-paying job in their desired fields, the dual reality of commanding a big salary while being encumbered with debt can lead to financial mistakes. But, as with many complexities in life, having a plan in place can help.
06/21/2017 11:50 AM
Create a Cash Cushion - Level III to Financial Freedom
After you have completed Level II of the game to Financial Freedom and started a Retirement Plan, it's time for Level III - creating a Cash Cushion. What's it going to take to win this level? You need to have an emergency fund. That's right, you need to set up a simple savings account and start putting away at least 3 months of expenses. Sounds pretty easy, right?
06/20/2017 09:02 AM
Florida Online Deed Sales - 2017
The reason that there are so many tax deed sales throughout the year in Florida, instead of just one county tax sale each year, is that Florida is really a tax lien state. As long as you do your due diligence on the tax sale properties and only bid on good properties, you won't have to worry about getting the property.
06/11/2017 11:36 AM
5 Harmful Credit Report Myths
Requests for credit reports from American credit reporting agencies have skyrocketed in recent years. Given the importance of credit, here are five of the most pernicious credit report myths, along with the facts about maintaining your good credit score and history.
06/09/2017 02:25 PM
Four Simple Tips to Save and Manage Your Money
Saving is great but to actually start saving is easier said than done. One of the biggest obstacles to saving is getting started. Motivation is hard to come by when it comes to saving especially if you are just starting out.
06/09/2017 02:23 PM
How Artificial Intelligence (AI) Is Disrupting Financial Services
With big data software companies and cloud providers using up a large amount of data, there has been a substantial increase in the practical application of AI. Artificial intelligence is already being applied in a lot of fields to perform a specific task such as medical diagnosis, remote sensing, electronic trading and robot control. Financial institutions have longed used an artificial neural network to detect system changes and abnormal claims while alerting and flagging them for human to investigate.
06/08/2017 10:26 AM
Best US Binary Option Brokers in 2017
Binary option trading has been a bit of a controversial issue in the US for a while now, at least for those who do not understand the differences between the broker business models allowed in the US and the EU. From the point of view of US financial authorities though, the issue isn't murky at all: only exchanges licensed by regulators like the CFTC (Commodities and Futures Trading Commission) are allowed to operate.
06/07/2017 09:54 PM
Small Savings Can Make a Big Difference
It can be easy to overlook the importance of saving for retirement, especially when you're focused on shorter-term financial priorities such as buying a new car or saving for college. However, it's crucial to consider your long-term financial security and make saving for retirement a priority. If you start early and save regularly, even small sums can grow into significant retirement savings.
06/07/2017 09:43 PM
Take a Fresh Look at Your Finances
Remember those financial resolutions you committed to at the beginning of the year? If they seem like a distant memory, the start of summer can be a great time for a reset. Follow the tips below to refocus on your financial goals during the dog days of summer.
06/07/2017 12:18 PM
How Do Binary Option Brokers Make Their Money?
At face-value, this question is a very simple one to answer: whenever a trader closes a trade out of the money, the broker picks up his/her investment and keeps it. While indeed true, this brief statement doesn't even begin to describe the intricacies of the binary option industry, and the often unpleasant backstage truths. The real answer would be that there are several, honest- as well as underhanded ways for brokers to make money. What's etched in stone about all this though is that being a binary option broker is indeed very profitable.
06/07/2017 10:56 AM
Investment S&P 500
The S&P 500 is just one of many different indices that Brokers Binary Options offers for use in binary options trades. This is an extremely active market index in terms of trade volume and because of this it can be quite volatile at times. This type of price action actually makes it an excellent selection for binary options traders.


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