Subscribe: Finance: Personal Finance Articles from EzineArticles.com
http://ezinearticles.com/rss/Finance-Personal-Finance.xml
Added By: carmendeleon1118 Feedage Grade B rated
Language: English
Tags:
accounts  article  cash  financial  home  income  life  money  people  planning  retirement  save  tax  time  tips  year 
Rate this Feed
Rate this feedRate this feedRate this feedRate this feedRate this feed
Rate this feed 1 starRate this feed 2 starRate this feed 3 starRate this feed 4 starRate this feed 5 star

Comments (0)

Feed Details and Statistics Feed Statistics
Preview: Finance: Personal Finance Articles from EzineArticles.com

Finance:Personal Finance Articles from EzineArticles.com





Published: Thu, 23 Mar 2017 23:35:37 -0500

 



How to Pay Off Your Home Loan Sooner

Sun, 12 Mar 2017 21:10:49 -0500

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.



Federal Employees, Are You Financially Ready to Retire?

Mon, 06 Mar 2017 15:33:34 -0600

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?



Planning Considerations for Those Close to Retirement

Fri, 03 Mar 2017 07:45:08 -0600

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.



The Main Advantages of Online Rent Collection

Wed, 22 Feb 2017 23:30:15 -0600

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.



Advantages of Collecting Rent Online

Wed, 22 Feb 2017 23:23:52 -0600

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.



How To Turn Your Negative Cash Statement Into A Positive Cash Statement

Wed, 22 Feb 2017 08:12:34 -0600

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.



Are Your Finances Ready for Fun?

Wed, 08 Feb 2017 14:47:02 -0600

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.



Later Life Mortgages

Tue, 07 Feb 2017 10:44:01 -0600

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.



Top 5 Binary Option Strategies

Fri, 03 Feb 2017 10:00:07 -0600

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.



Three Simple Tips to Manage Your Money

Fri, 03 Feb 2017 09:47:51 -0600

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.



January's Financial Stress

Wed, 01 Feb 2017 13:02:51 -0600

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:



The RESP: Frequently Asked Questions (FAQ)

Fri, 27 Jan 2017 13:22:34 -0600

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.



The Struggles of Saving

Thu, 26 Jan 2017 09:47:19 -0600

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.



10 Ways To Teach Kids About Money

Sat, 21 Jan 2017 10:57:29 -0600

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.



10 Personal Finance Tips That Will Change Your Perspective

Tue, 17 Jan 2017 11:08:32 -0600

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.



Taking Bold Financial Risks

Wed, 11 Jan 2017 10:11:18 -0600

'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...



Your Children Can Become Better Personal Finance Managers Than You Are

Tue, 03 Jan 2017 10:13:58 -0600

We live in the era of technology. Websites and mobile apps can help your children to become better personal finance managers than we are.



Equity Trading - 5 Blunders Almost Every First Time Investor Make

Thu, 29 Dec 2016 10:24:00 -0600

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.



How to Increase Your Investment Portfolio Efficiency to Outperform

Wed, 28 Dec 2016 08:44:30 -0600

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.



Year End Outlook

Tue, 27 Dec 2016 08:12:55 -0600

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.



Stay Healthy and Wealthy in 2017

Fri, 16 Dec 2016 13:03:37 -0600

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!



Why the Germans Do Not Prefer Electronic Payments

Wed, 14 Dec 2016 08:20:16 -0600

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.



Banking Problems

Sun, 11 Dec 2016 19:08:38 -0600

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.



Post-Truth: Facts Pale by Comparison

Fri, 09 Dec 2016 08:13:51 -0600

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?



Funding Your Retirement With After-Tax Dollars

Thu, 08 Dec 2016 07:36:17 -0600

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.



10 Financial Opportunities to Consider in 2017

Mon, 05 Dec 2016 13:19:47 -0600

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?



What Everybody Should Know About Credit Scores

Fri, 02 Dec 2016 08:35:57 -0600

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.



Year-End Tax Planning: Funding Your Retirement

Wed, 30 Nov 2016 15:24:22 -0600

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).



Tips for RMD Season

Wed, 30 Nov 2016 11:30:33 -0600

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.



The Importance of Gifting

Wed, 30 Nov 2016 11:27:49 -0600

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?



Don't Be Scared to Save

Wed, 30 Nov 2016 11:26:50 -0600

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.



What to Do If Your Bank Tells You Your Savings Rate Has Been Reduced, AGAIN!

Wed, 23 Nov 2016 10:47:55 -0600

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.



How You Measure Risk Will Affect the Success of Your Retirement

Wed, 16 Nov 2016 08:24:42 -0600

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.



Sometimes Doing What Is Viewed As the Wrong Thing, Is So Right!

Mon, 14 Nov 2016 09:58:00 -0600

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.



Concerned About Having Enough Money For Retirement?

Fri, 11 Nov 2016 08:27:49 -0600

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.



Endowment Fund Performance Numbers Posted

Mon, 07 Nov 2016 10:45:42 -0600

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%.



How Can I Pay the Rent?

Thu, 03 Nov 2016 10:31:23 -0500

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...



A Few Ways to Pay the Rent

Thu, 03 Nov 2016 10:31:18 -0500

As a landlord, your return of investment comes in the form of rent. If your property is not leased, it does not earn the income that you need to pay the mortgage. However, many landlords have difficulty in collecting the rent.



Tips to Collect Rent and Receive Your Rent Payment on Time

Thu, 03 Nov 2016 10:30:36 -0500

Managing rental properties can be a rewarding business, provided that you are able to manage your cash flow well and collect rent on time. In fact, the biggest factor in your cash flow will be your ability to collect rent on time. Renters are typically stereotyped as people who are not the most responsible when it comes to their finances.



8 Tips to Improve Your Financial Communication

Tue, 01 Nov 2016 15:08:03 -0500

What makes a couple successful in their financial relationship? Ameriprise Financial surveyed over 1,500 couples (those married or living together for at least six months) to learn about their money conversations and how they make decisions. The results revealed eight ways you can improve the financial health of your relationship.



How Each Generation Makes Its Own Set Of Financial Mistakes

Thu, 27 Oct 2016 07:29:12 -0500

As a financial planner, licensed real estate salesperson, business/ organization analyst, event planner, and financial, organizational, and personal consultant, specializing in planning, budgetary, marketing/ sales, and financial matters/ areas, it is not surprising that many of my informal conversations, end up, being about some financial topic. Last weekend, we had a nice dinner with friends, and the woman (who is a well - respected, apparently successful professional) off - handedly stated, she was a terrible business person. This surprised me, because she is knowledgeable, extremely intelligent, well - known, has a large practice, etc.



How to Protect Yourself From "Get Rich Quick" Schemes

Tue, 25 Oct 2016 08:11:21 -0500

How do you differentiate between a legitimate money making idea and a "get rich scheme"? There are indicators that you can use to help you do some homework. You will need to be a detective on this one as there are no short cuts.



The Wealth Effect Failure

Fri, 21 Oct 2016 13:40:54 -0500

People tend to increase spending when the prices of their stock market and real estate assets rise. They perceive it as an increase to their financial security. This is known as the wealth effect. The Financial Burdens Survey tells the rest of the story.



How To Manage Your Financial Problems After Buying A New Home

Fri, 21 Oct 2016 08:31:15 -0500

Changing your living status can drastically change your lifestyle and your financial problems. But you don't worry, because you will get the solution if you are cautious about how you spend your money.



The Value of the Insurance Review

Thu, 13 Oct 2016 14:34:15 -0500

Why should you speak with your insurance agent each and every year? How Speaking with an Insurance Agent can Help you. What can your insurance broker learn by speaking with you?



Pros and Cons of an Electronic Payment System

Mon, 10 Oct 2016 13:53:48 -0500

During this highly technological age, cash is trying hard to compete with electronic money, since nowadays a lot of people choose to use their virtual wallets. Here, you will read about the pros and cons of using an electronic payment system. It is plain to see that electronic payment systems have more advantages than traditional banking services.



Broker Investment Account Statements: Deceptive By Design

Thu, 29 Sep 2016 08:02:57 -0500

Most professional investors would agree that ASSET ALLOCATION (growth purpose vs. income purpose), various DIVERSIFICATION guidelines (position size, sector participation, etc.), fundamental security QUALITY (risk level), and realized INCOME production are important areas of portfolio development that all investors should be helped to understand. Wall Street prepared statements ignore all but one of these...



I Hate Annuities - I Love Annuities

Mon, 12 Sep 2016 10:08:21 -0500

The financial world has seen an explosion in the annuity marketplace over the last 15 years. With the Baby Boomers coming into retirement at the rate of 10,000 per day the insurance companies have not missed the opportunity to design, market, and sell record amounts of annuities - both in contracts sold and premium dollars paid - during this timeframe.



Do This One Thing To Become Financially Independent

Fri, 09 Sep 2016 10:35:41 -0500

Have you ever wondered how some people struggle living paycheck-to-paycheck where others always seem to have their finances in order? Do this one thing and you too will be one of those that have everything in order.



Predictions for the Financial Advice Sector in the UK

Wed, 07 Sep 2016 08:19:20 -0500

In this 1,300 word article, Paul reveals his own conjecture of the future of the financial services sector in the UK. Using hard trends, he predicts what it will look like in 2020 and onwards. Just so you can plan for it. And he offers a peak into 2030.  



Individual Retirement Accounts: Understanding Your Choices for Tax Advantaged Savings

Tue, 30 Aug 2016 13:24:12 -0500

Have you funded your IRA this year? Are you eligible? How often have you heard these questions? In 1974, Congress passed legislation that created Individual Retirement Accounts (IRAs) to encourage individuals to save for retirement.



How to Generate Income Easily? Take These Passive Income Tips!

Tue, 30 Aug 2016 08:23:41 -0500

There are millions of internet users these days wondering if it is possible to make passive income online most especially those individuals who do not have any experience and skills. They are the ones who just listen to the success stories of other people. In fact, anyone can definitely start making passive income online even though they do not have any experience and skill.



African American Grants and Financial Assistance - Free Money For Minorities

Fri, 26 Aug 2016 10:21:40 -0500

Minorities are the under-represented groups in the country and most of them fall in the low-income bracket, restricting them from fulfilling their daily needs of life. Federal grants and assistance programs have been initiated to help them overcome their monetary constrictions and lead a basic standard of life.



Interest Rate Savers, Know Your Enemy - Hint, It's Not Your Bank

Wed, 24 Aug 2016 10:16:43 -0500

After the Bank of England cut their interest rates recently, people with savings accounts need to be made aware of the danger of inflation and the value of real monies against inflation. This article tackles this issue.



The 2 Killer Benefits Of Paying Yourself First

Wed, 24 Aug 2016 10:04:05 -0500

What does paying yourself first mean? Can it work for me? Should I take the plunge? Hopefully, the following post will provide more answers than questions.



Financial Tips For Newly Weds

Mon, 15 Aug 2016 15:42:43 -0500

For a young couple, preparing for your wedding can be financially strenuous and life after the wedding day if not properly planned can be a dangerous. More so if the couple are not from financial buoyant families.



A Guide for a 50 Year Old Planning for the Future

Fri, 12 Aug 2016 13:48:31 -0500

This article overview the current state of the US economy. It also includes a few simple strategies that will help anyone planning for retirement by making 3 changes to their current goals that will help put them on the road to financial freedom and independence in their retirement years.



Peer-To-Peer Lending Practices Encouraged by Emerging Online Platforms

Tue, 09 Aug 2016 14:46:42 -0500

Without going into details of the concept of peer-to-peer lending, one can explain it as a type of debt financing, in which lenders and borrower enjoy freedom and control over the terms of loan, without any intervention of intermediary financial systems. Further simplifying, it is a term used for the practice of money lending by individuals via services that connect lenders and borrowers directly. It may come as a surprise to some; the core concept behind peer-to-peer lending is not new.



Don't Be Taken Advantage Of Financially In Networking Groups!

Mon, 08 Aug 2016 13:16:05 -0500

Hi, I wanted to share this article with everyone in networks like this. We've lately experienced a rash of people using both religion and affinity networks and groups to further their own financial agenda, and created a list of items that we saw frequently as a means to warn and educate everyone.



Everything's Different, Nothing's Changed

Tue, 02 Aug 2016 12:11:29 -0500

It has been quite a quarter. The U.S Federal Reserve is now on hold, the U.K. has voted to withdraw from the European Union, Puerto Rico has just defaulted on almost $800 million in municipal bond payments, and we are in the midst of the most controversial Presidential election cycle in generations.



Women Already Are Investing And They Are Pretty Darn Good At It, Carry On!

Tue, 02 Aug 2016 12:10:39 -0500

With the latest attention on women from the financial industry, you might think most women do not participate in investing. As a woman-led firm, we have decided it's time to set the record straight a bit.



Does More Money Cause More Problems?

Tue, 02 Aug 2016 07:18:59 -0500

It is very imperative that humanity becomes more conscious of the inalienable significance of thought in shaping every individual's destiny. As an author remarks, "Beware of your thoughts because they become your words. Beware of your words because they become your actions.



3 Smart Money Moves You Won't Regret

Fri, 22 Jul 2016 15:28:40 -0500

If you're aiming to be smart with your money there are many ways you can approach it. Here are three smart money moves you definitely won't regret in the long run.



United Kingdom and Leaving the European Union (EU) - BREXIT

Fri, 15 Jul 2016 11:38:52 -0500

I had multiple conversations last week regarding Britain's decision to leave the European Union. First - for those that have not been following the drama closely - the term "BREXIT" is what "Britain's EXIT" has been named. The question now is how will this decision affect financial markets for many years to come. There is a ton of speculation and I do not subscribe to many of the doomsday predictions but truth is - "I have no idea" how this will all shake out. In the short term we will (have) seen some turmoil in the stock market



Important Checks When Transferring Money Online

Fri, 15 Jul 2016 06:17:31 -0500

Online money transfers have become more convenient in all kinds of transactions. There are so many online platforms, offering the services today and to get the best rates you must at least compare. There is also an importance of using platforms that keep you safe and secure considering how risky some of the transactions can be, especially with the increasing cases of identity theft and cyber crimes. Below are a few checks that you should make to have a pleasant and most cost effective online transfer of your money.



Are You Worried About Not Having Enough Money When You Get Older?

Tue, 12 Jul 2016 13:08:14 -0500

IT'S NEVER TOO LATE TO PLAN FOR YOUR FUTURE! Typically, the answers you seek are well within your reach, and these answers will expedite the achievement of your goals. Learn to overcome your emotional roadblocks, start planning and get educated. Today is the perfect time to get started.



Five Reasons to Pay Your Bills on Time

Mon, 11 Jul 2016 14:29:02 -0500

Not paying your bills on time might mean termination of services such as electricity or your phone, or your account could end up in collections. You could even be sued, which is costly and nerve-wracking. Even before you reach this level of stress, though, there are beneficial financial reasons to pay your bills on time.



Do You Want to SAVE TIME and EFFORT on Money Matters?

Mon, 11 Jul 2016 10:00:20 -0500

WHERE FOCUS GOES ENERGY FLOWS. Throughout our lives, we women plan for many situations. Time spent planning our careers, family activities, living environment, vacations and birthdays are the product of weeks, if not months, of preparation. Planning is a highly effective habit that keeps us focused on specific goals and priorities, simplifying the decision making process. Effective planning and mental focus have the power to unclutter our minds of time consuming and energy sucking distractions that prevent us from taking care of our needs, wants and desires. It reduces the waste of precious resources such as time, effort and money.



The Minimalist Millennial - How to Save Money After You've Done the Obvious

Thu, 07 Jul 2016 08:53:19 -0500

Does it always seem like you're short on cash? Are you looking for ever more creative ways to stretch that dollar further? Join the club. Here's some tips and simple advice to help.



Realizing Personal Economic Independence

Fri, 01 Jul 2016 10:15:25 -0500

The eventual purpose of an individual is to live a happy and contented life. The purpose is unachievable until complete economic independence is realized. Economic independence is, thus, the gateway to enjoy a satisfied life.



The Ultimate Guide to Home Loan Pre-Approval

Thu, 30 Jun 2016 07:28:28 -0500

When it comes to shopping for a property, a home loan pre-approval can give you the winning edge. It shows real estate agents that you are serious about buying a home and it places you in a good position to move quickly and get your finances sorted ahead of other buyers.



Five Tips for Buying Your First Home

Thu, 23 Jun 2016 14:20:55 -0500

Are you dreaming about moving into your first home? While home hunting can be exciting, the process of buying a home can be somewhat challenging. Purchasing a home is a big financial commitment - potentially one of the biggest purchases you'll make in your lifetime.



Why Consumer Spending Matters to the Economy

Thu, 23 Jun 2016 14:15:00 -0500

There are a variety of factors that determine the strength of the U.S. economy, including government spending levels, imports versus exports and currency values. Yet, the biggest factor in determining the health of the economy is based on consumer spending, which is the case in most developed countries.



Financial Prudence, Everything You Should Take Into Account

Wed, 22 Jun 2016 11:11:45 -0500

People are different. However, everyone sooner or later faces some questions about money, and they sound about the same: whether it is necessary to buy a particular currency now, where to invest their money, where to earn money immediately, etc. These are "eternal" questions.



How to Find Mass Money That Could Be Yours

Tue, 21 Jun 2016 07:37:10 -0500

What would you say if someone told you that there may be some money out there waiting for you? The truth is that this is very possible. It is referred to as "mass money" or "unclaimed property". It can be anything such as checks, savings, contents of a safety deposit box, refunds of utility bills, insurance policies, stocks, bonds, just to mention a few.



Improving the Way Banks Do Business Through Text Messaging

Tue, 14 Jun 2016 10:26:42 -0500

Managing and completing bank transactions are not the easiest things to do for most people. Since banks usually operate around the same hours that people are at work and are done for the day before many employees are finished with their workdays, scheduling an appointment alone can be difficult, let alone actually finishing the transaction. Visits to the bank can be time-consuming, and it's easy to understand why some people just want to avoid them altogether.



Financial Solutions for Americans Today

Tue, 07 Jun 2016 15:28:08 -0500

Americans are facing financial challenges today as never before, and a lot of us have been forgotten by the typical financial advisor. There are many people who have not sought financial advice because they felt it was out of their reach. Nevertheless, it is just as important to the person who earns less than $100,000 a year to plan for the future, and they also deserve someone who is knowledgeable to assist them in having a comfortable retirement, as well as be prepared for financial emergencies and pitfalls that hit us all from time to time during...



Debt Free College Degree - Are You Serious or Are You Just Playing Around?

Thu, 02 Jun 2016 13:45:56 -0500

Do you know the one trait that separates the students who graduate with a mountain of debt compared to those who graduate debt free? If you want more college scholarships and grants while avoiding the most basic college funding mistakes that stop most students and parents dead in their tracks, read this immediately.



529 College Savings Plan or 529 College Savings Fraud

Wed, 01 Jun 2016 09:48:05 -0500

Have you heard the great news about the tremendous benefits of 529 college savings plans? Before you rush out to blindly set one up, you may want to consider these 3 ideas before you do. They may very well save you thousands of your hard earned dollars.



4 Immutable Laws of Money Control

Wed, 01 Jun 2016 06:17:06 -0500

Most people intending to be financially successful often concentrate a lot of their energies on money generation skills such as marketing, sales, and higher competencies in their profession. While it is important to master money generation skills, it is actually more profitable to master money control and retention skills first. This is because to generate more money you need to invest some money, but to control and retain your money you need not invest additional money. This article is aimed at showing how the understanding of some fundamental laws of money control can speed up the rate of your financial success.



Understanding Being Broke and Being Poor

Tue, 31 May 2016 15:59:54 -0500

Due to the high level of financial illiteracy (and financial ignorance) in the society, many people (especially adults) are ignorant of the true meanings of basic and common financial terms and concepts. Consequently, they often misunderstand and abuse them. Among the most unpopular financial terms that are misunderstood and abused by most adults are the phrases 'being broke' and 'being poor'. It is imperative that you understand these concepts and how they are related so that you can take advantage of the knowledge in your journey to financial success because they are neither synonyms nor interchangeable phrases. This article explains these phrases and how they are related to each other.



Money and the Laws of Value

Tue, 31 May 2016 15:01:13 -0500

Many people are zealously pursuing money and yet miss several opportunities to make a lot of money just because they are ignorant of the hidden laws of value. For example, many of the complaints customers give about our products or services can be converted to money once we understand the laws of value. Also, profit is defined as the proportion of value produced that is kept by the value producer. That means the more efficient your production system is, the more profit you can generate and keep within your company without necessarily compromising quality or increasing your prices.



Understand Money

Tue, 31 May 2016 14:59:12 -0500

Two exuberant seven-year old kids were disappointed by their parents' inability to provide enough money for all their needs. They strongly believed that their parents must be getting some basic things wrong. They wanted money by all means and wondered why everybody they met was portraying money as a scarce commodity. In the usual characteristics of children, they resolved to solve the money problem by designing and printing their own money! They got unto their computer with a mint $ 100 bill note and began the process of designing their own $ 100 bill note.



Which Deposit Accounts Are Right for You?

Tue, 31 May 2016 07:32:49 -0500

There are a number of deposit accounts available to the average banker. They have a variety of both benefits and drawbacks.



Six Crucial Tips For Managing Financial Accounts In Your 20s

Tue, 31 May 2016 07:28:27 -0500

With student loans, the pressure to save, and increasingly expensive housing markets, managing your first paychecks and financial accounts can be difficult. Here are six crucial tips for stabilizing your personal finances in your 20s.



Do's and Don'ts of College Planning

Fri, 27 May 2016 07:46:57 -0500

Graduation ceremonies abound this time of year. It is a reminder that college expenses are just around the corner. 18 years ago, parents might have begun saving for their child's college costs with a Uniform Gift to Minors Act (UGMA) or a Uniform Transfer to Minors Act (UTMA). This is an account that is set up in the minor's name. A parent may be the custodian on the account.



What Is a Self-Directed IRA?

Mon, 23 May 2016 09:33:03 -0500

With a self-directed IRA, you can invest your money as you deem necessary. It gives you complete control over your investment choices. This special IRA gives you more control over your financial future, offering you the freedom to invest in familiar assets you understand, and the possibilities become almost limitless. Your investments are not limited to just mutual funds or stocks and bonds.



What Is Sacrificial Christian Giving?

Thu, 19 May 2016 07:42:34 -0500

This article biblically explains two crucial forms of giving Christians need to follow. These are free will giving and sacrificial giving. If you're like me, you've been over-whelmed by trying to figure out how you should handle your money according to the Bible's teaching. Don't be stressed; this article and other articles will ease your mind.



Patience Is A Financial Virtue

Tue, 17 May 2016 10:47:41 -0500

In this age of instant gratification, can it actually be helpful for you to wait? Can deferring some financial activities be more beneficial in the long run? Here's how exercising a little patience can be instrumental to money success.



Uncomfortable, But Important Conversations

Wed, 04 May 2016 12:58:47 -0500

Prince's untimely death and his apparent failure to leave a will underscore the importance of preparing for "just in case." Acing "Financial Planning 101" will ensure that you are better prepared for the unexpected than Prince was, but taking preliminary steps is not enough. It is also essential to communicate your intentions and plans to your family during your lifetime.



Critical Life Lessons to Avoid Getting Conned

Wed, 04 May 2016 11:00:49 -0500

Life teaches critical lessons. Some you learn quickly, others, like dealing with banks, can be quite painful. Here are 7 tips to help you get started protecting your family and your wealth.



Brexit's Impact on Your Financial Investments: Are You Ready?

Wed, 04 May 2016 09:25:37 -0500

Are you worried about how Brexit will impact your investments? Get to know all about Brexit and its impact.



6 Easy Steps To Organize And Pay Your Bills

Tue, 03 May 2016 12:56:00 -0500

Paying your bills every month is a necessary part of anyone's life. However, if you do not have a handle on this aspect of your life, you may soon find yourself in financial trouble. Without a proper bill-paying system in place, you can amass debt, heighten stress, and put your finances and credit rating at risk.



Seven Reasons Why You Should Have a Financial Planner

Mon, 02 May 2016 07:39:47 -0500

Learning how to manage your income will help you achieve monetary stability. Consider seeking the services of a financial planner to manage your money wisely.



The Benefits of Belonging to a Credit Union

Wed, 27 Apr 2016 12:35:33 -0500

Join a credit union and you'll enjoy a variety of benefits. Credit unions provide a place for members to save and get loans at reasonable rates, superior personal attention, better rates and lower fees, and ATM co-op networks. Credit unions are an excellent choice for people who want to cultivate their own financial health and get more access to convenience and financial services.



Money Market Accounts: A Smarter Way to Save

Wed, 27 Apr 2016 06:29:43 -0500

Here advantages and disadvantages of money market accounts. The balance between greater interest rates and higher risks are also addressed.



Are You Ready To Start a Small Business?

Mon, 25 Apr 2016 08:26:42 -0500

The hot new trend these days is to strike out on your own and start a small business. The world of work is becoming more depressing by the day, and the opportunities are diminishing as the supply of workers is flooding the market. Anyone who has taken economics can see the supply for workers is going higher and the demand for workers is getting lower. This is not great for wage growth, benefits or job security. In spite of the rhetoric, good jobs cannot be created if the economics is not there. The key is to shift the economics so that the demand occurs naturally rather than trying to legislate it. This is one of the key reasons why entrepreneurship is on the rise.



Free Child Care Assistance For Single Moms - Daycare Grants For Single Mothers

Fri, 22 Apr 2016 07:30:39 -0500

Single mothers often remain busy working to earn for the family or attending college for higher degrees hence, they require secure, affordable and reliable child care centers for their kids. However, the expenses of daycares can be beyond the reach of mothers with limited money and savings.



6 Reasons Why Financial Planning Is Important

Thu, 21 Apr 2016 07:43:49 -0500

A small introduction on importance of financial planning. Do read if your financial life isn't going smooth.



Apply For Various Grant Programs For Single Mothers and Get Monetary Assistance

Wed, 20 Apr 2016 08:39:23 -0500

Single mothers solely bear the responsibilities of the family and being the individual bread earner poses a huge financial burden on them. With insufficient earnings and meager savings, it's impossible to make both ends meet, eventually leading to debts and lack of funds. The U.S. government offers federal grants for single mothers that facilitate in dealing with the monetary crisis, meet the daily expenses and help families to stand back on feet.