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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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.
06/06/2017 02:33 PM
Why You Need to Review Your Insurance Portfolio
Consumers of insurance are often unaware that their insurance needs are constantly changing. While there may be numerous circumstances and events that may lead to this. It is only logical to conclude that you should reevaluate your insurance coverage as years roll by.
06/03/2017 09:24 AM
From Great Recession to Grand Illusion
From the Great Recession to the Grand Illusion of recovery, growing household debt and the number of families struggling to make ends meet is the story left behind the curtain. Only a few leaders, authors and bloggers expose the underbelly reality hoping for strength in the numbers of those who wake up to the window dressing. As Charles Hugh-Smith puts it, "Welcome to debt-serfdom, the only possible output of the soaring cost of living for the unprotected many who are ruled by a hubris-soaked, subsidized Protected Elite."
06/02/2017 03:22 PM
7 Levels to Win Financial Freedom
What does financial freedom mean? It's when your income is higher than your expenses. When you can get your money to make enough money to cover your expenses, you've reached financial freedom. It's like running a gauntlet, but it can be accomplished by going through several levels!
06/01/2017 08:50 AM
5 Amazing Ways Banking Apps Are Enhancing User Experiences
This article throws light on utility of using mobile banking apps for managing financial transactions easier and faster. There has been a rapid increase in the number of people who manage their money via online these days, which, certainly emphasise importance of banking apps.
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:


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