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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11/13/2020 12:40 PM
Basics of an Emergency Fund
Nobody can predict when an emergency will happen. No matter what the emergency is, it will cost you money to fix. An emergency fund is an amount of money set aside to pay for any emergency that happens in life.
10/05/2020 10:27 AM
2020 Study Reveals What Medicare Supplement Insurance Plans Seniors Buy
A new study reports what Medicare Supplement insurance policy seniors turning 65 are selecting. In 2020 the previously most popular option is no longer available.
08/11/2020 11:38 AM
Tips to Encourage Tenants to Pay Rent on Time
Clear Communication Landlords are aware of the importance of communication especially in terms of paying rent for a house or apartment. They should be clear about the price of rent. They also have to put down everything in writing, including the late fees as a consequence of not paying on the due date.
08/11/2020 11:38 AM
Ways to Encourage Tenants to Use Online Rent Payment
Property managers understand the stress related to the due date of rent payment. Tenants scramble to their office to beat the deadline while managers try to follow-up the residents who were not able to pay. They need to deposit checks at the bank and wait for payments that other tenants sent by mail.
08/11/2020 11:37 AM
Your Tenants Don't Want to Pay Their Rent Online? Try These 5 Motivation Strategies
It is important for landlords to receive rent payments in a well timed manner so it is essential for them to look for property management payment solutions so they can facilitate this goal. How can property manages increase their chances of receiving rent payments on time? Nowadays, landlords have found an effective way to increase their revenue as well as improve their cash flow and this is by making use of an online payment portal to make lives easier for tenants and at the same time, increase the chances of landlords to receive the money due them at...
08/06/2020 09:47 AM
The Bottom Line: Why Shrewd Customers Use An Adviser
Let's face it - Financial Advisers have a bit of an image problem. In the public's mind they probably rank alongside bankers, second-hand car dealers and estate agents in the trustworthiness stakes, and every investment fraud and mis-selling scandal that's gleefully reported by the press does nothing to improve this.
08/05/2020 04:28 PM
Top Savings Account Rates List: Some of the Best Options So Far in 2020
Getting the best interest rates for your savings account can mean the difference between earning just $20 or $200 extra per year. Annual percentage yields of the best online savings accounts are up to 10% higher than the traditional savings accounts. The national average last year was around 0.09%, but some online financial institutions are able to give APY rates of 1.70% - 2.0%.What is 2020 looking like so far? Here is a look at some of the top savings account rates:
08/05/2020 04:27 PM
Best Money Market Returns: Understanding Money Market Accounts and Which Bank You Should Choose
For the longest time, banks only offered two types of accounts: checking and savings. If you wanted to earn interest, you'd have to rely on long-term savings accounts. Today, there are numerous options, including CDs and money market accounts. The latter is a hybrid between a savings and a checking account: it allows you to write only a limited number of checks each month or make limited debit purchases, yet your money will earn higher interest than with a savings account. You should first search for the best money market returns before starting an account.
07/24/2020 10:36 AM
The Ugly Truth About Investment Loyalty
Why do we remain with underperforming fund managers when it's often just as easy to move on to a better performer? is it a lack of confidence, or just apathy? Read on to get the low down!
07/14/2020 09:45 AM
Workers With High Deductible Health Plans Need A Better Emergency Cash Plan
Many individuals today have selected health insurance plans that include high deductibles and required co-insurance payments. They face significant financial risk and would benefit from considering a supplement to cover their exposed risk.
06/12/2020 08:58 AM
Are You Looking to Open a Bank Account in Singapore?
Whether you're a foreigner or an expatriate who is moving to Singapore, opening a bank account in Singapore is a fairly straightforward process. Net-banking has made it easy for people from different backgrounds to open a bank account in Singapore.
06/12/2020 08:52 AM
How Does Unpaid Personal Debt Affect My Social Security Payments?
Did you know that there are some types of debt which can result in a reduction of your Social Security benefit payments? It's true. Certain personal delinquent financial obligations (debt) can result in a garnishment of your social security checks, thus reducing your monthly benefit payments. You may be surprised to learn that this is becoming more and more common. It is rather disconcerting to learn that so many retired Americans are dealing with this problem.
06/12/2020 08:51 AM
7 Great Reasons Why You Should Plan For Death!
In 1789 Benjamin Franklin said that there are only two certainties in life - death and taxes. We all seem happy to talk about taxes, but less keen on discussing, or planning for our ultimate demise. It's as if by talking about it we are somehow tempting fate. But it can bring tremendous peace of mind not only to the planner, but also to their loved ones to know that a well thought out programme is in place for their eventual departure. Here are 7 good reasons why you shouldn't put off planning for it - old or young.
06/12/2020 08:51 AM
Boost Your COVID - 19 Retirement Planning With These Tips
Bear in mind that retirement savings are for the long run. The Coronavirus (COVID-19) is having a widespread impact across all elements of financial life, including retirement plans. The current global stock exchange turbulence, as a result of COVID-19, will undoubtedly be concerning for people whose retirement savings are spent partly or entirely during these volatile marketplace conditions.
05/18/2020 10:40 AM
You Life Is Currency - A Radical Way Of Looking At How You Spend It
We all must contribute to society by performing some form of duty or task or provide some kind of service or value to earn pay however, have you ever considered what that pay truly represents? In this article you'll learn what your expenses are really costing you.
05/18/2020 10:40 AM
Essay on How to Help Poor and Needy People
Leaving a life that is meaningful is something that everyone needs. However, it is not something going into a spiritual quest. All the spiritual quests are going away from life. Unfortunately, you cannot find the meaning of life by going away from life.
05/11/2020 08:08 AM
7 Facts You Need To Know About Money Mastery
Have you ever wondered why some people have money and lots of it and while others struggle for it? The reason is not far-fetched and I will show you in this article. When it comes to money, everyone wants more of it. However, the truth about financial freedom is that more money alone will not make you free, rather, financial intelligence is what makes you have more money and become financially free.
05/01/2020 06:02 PM
The Negative Economic Effects of the Coronavirus Pandemic
The negative economic after-effects of the Coronavirus pandemic is resulting in huge financial struggles, that could potentially be worse than the Great Depression of 1929. Covid-19 is wreaking absolute havoc on a global scale with millions of people under forced lockdown, and businesses going bankrupt. The following scenarios highlight the extent of the problems and challenges we are being faced with.
04/28/2020 08:54 AM
Top CD Rates: The Best Online Banks and Credit Unions for CD Accounts at the End of 2019
It's not all that difficult to obtain a good CD rate these days, with all of the online banks trying to outdo each other by making their offers seem as enticing as possible. Just pick a few banks that you think you might want to put your money into and check their APY to learn the top CD rates.
04/27/2020 10:13 AM
Best Money Market Yields Overview of the Top Online Banks and Their APYs for MMAs
Are you interested in opening a money market account? This kind of account is a type of deposit account that is offered primarily by credit unions and banks of all sizes. It pays interest on the deposits and can be used for long-term or short-term savings Some withdrawals may be allowed with some restrictions. Some common uses of creating a MMA account include emergency savings, money to put away that will eventually be used as a car or home down payment, and money that might be put into stocks and other types of investments at some point. Only consider putting money in a bank that has the best money market yields.
04/27/2020 10:12 AM
Compare Savings Account Rates: Info About Online Banks and Interest Rates
Before taking your money to the nearest bank to start a savings account, you might want to look into its interest rates at first. It's usually the banks that operate primarily online have the highest APY and lower fees. The national average is around 0.9%, but if you take the time to compare savings account rates online, you'll very likely find a good bank with around 2% APY. With this kind of rate, a balance of $5,000 would mean an extra $100 per year.
04/27/2020 10:03 AM
Fixed Rate Savings Accounts: What Are Your Options, and What Kind of CD Strategy Should You Use?
It is quite common for people to look for savings accounts with fixed rates. However, traditional savings accounts usually have variable rates. For true fixed rate savings, you'll have to consider a CD account or a savings account that accumulates a predetermined interest rate for a set period of time, or the "introductory period", after which, the rate could go either down or up, depending on how much money you put into the account. There are usually different levels or tiers of savings accounts, and you might be required to continue putting more money into the account if you want to keep a decent APY rate.
04/20/2020 05:22 PM
No Fee Savings Account and Other Important Factors to Consider With Online Banks
You should never have to pay any fees for keeping a savings account. It should the bank that pays you interest for keeping your money in their institution loan term. Whether you simply want to create an emergency fund or are interested in certificates of deposit, you should look specifically for a no fee savings account.
04/20/2020 01:07 PM
Covid-19: Four Ways to Survive and Thrive in Challenging Times
The fragile global economy has taken a major hit from Covid 19 pandemic. The global supply chain(s) was the first economic system to be impacted by the Coronavirus outbreak occurred in China. Since then, business operations and personal finances have been on a downward spiral due to the lockdowns and "social distancing". Therefore, its important to look at time-tested ways to reduce the consequences to our wallets. We also have a large number of alternative financial opportunities available (to us) using the Internet.
04/20/2020 01:07 PM
Covid-19 and Our Money: Fighting a Psychological Battle
SUMMARY It is easy to see how the Covid 19 pandemic has dealt a harsh blow to the physical health global community. It is important to recognize the Coronavirus is impacting our lives in other ways. People's mental and emotional well-being has been negatively affected. There are effective techniques to deal with the stress-related to the psychological effects of unemployment and cabin fever lockdown syndrome.
04/20/2020 10:04 AM
Top Ten Savings Accounts: A Quick Summary of Some of the Best Online Banks & What They Offer
If you're someone who is looking for a safe, yet potentially profitable way to put your money, then the best solution is a high-yield savings account from a reliable, strong financial institution. You don't necessarily have to choose a traditional bank, either. There are some good online banks to choose from these days, although not all of them are equal. Here are the top ten savings accounts to look into (no specific order)...
04/20/2020 10:03 AM
Covid-19 and Our Money: Managing Money and Staying on Top
The Covid 19 outbreak has caused major disruptions to people's finances and the global economy. However, there are proven ways to survive and thrive even in the most challenging of situations. It is important to stay calm and clear-headed in order assess the severity of the situation (such as the Coronavirus pandemic) as it applies to you. From there, you can implement reliable financial safety measures and assess your long-term prospects in relation how the situation is impacting your personal life.
04/13/2020 05:20 PM
Get Back to Work to Avoid the Train Wreck
When the coronavirus stay-in-place orders started, the time at home seemed like a timeout from the frenzy of office life. With considerable curiosity, I absorbed the statistics, news articles, videos and just about all the information that I could find. New concepts of the day featured: social distancing, flattening the curve, asymptomatic, and reaching the peak.
03/28/2020 07:49 PM
Protecting Our Economic Health Despite Corona
As I sit in our home in self-isolation, I ponder our country's economic health over the next several months and beyond. Watching people mobilize to fight an invisible coronavirus is certainly inspirational. We all know that managing individual behavior will go a long way towards slowing down and eventually stopping the spread of this frightening pandemic.
03/26/2020 09:27 AM
5 Possible Ways To Cut Expenses During A Crisis
After, over four decades of involvement, in a variety of executive, business, and financial positions, as well as consulting, I have often assisted, those. in - need, in considering, ways to reduce their personal expenses, in as unobtrusive way, as possible! Although, health considerations, must be, our highest priority, during these times, many people, because of the impacts, of necessary restrictions, and limits of business activities, and the associated, loss of wages, and asset value, need to seriously consider, and address, a way, to reduce their expenses, in a reasonable, responsible, relevant manner.
03/23/2020 09:44 AM
What Is Time Deposit?
Fixed-term deposits represent a form of investment in which a certain amount is invested at a certain interest rate and for a predetermined period. The conditions, i.e. amount, interest and investment time are contractually agreed on beforehand. After the agreed time span has elapsed, the amount invested and the interest will be paid to the customer's reference account. That is why you refer to this type of investment as a time deposit. A condition of any fixed-term deposit contract is that you cannot access the deposit during the investment period.
03/19/2020 09:21 AM
Why Don't They Give More?
Some people control so much money that it would seem that they could give more of their wealth to help other people. There are lots of people in this world who could use a helping hand.
03/09/2020 01:11 PM
What You Really Need to Know About Online Rental Payments
Letting tenants pay rent online is the most efficient way to receive payments with ease, establish a good landlord-tenant relationship and minimize stress for both parties. For those who are not aware of the benefits of paying rent online, this post will provide more information concerning this. Here, I will explain everything people need to know regarding online rental payments in terms of reliability and transparency.
02/05/2020 08:45 AM
5 Ways That You Can Retire on Your Terms Even If You Are Getting Started Late
Here are 5 ways that you can still retire on your terms, even if you haven't saved a million dollars. The media has done a disservice to Baby Boomers by selling the "Lump Sum Scare". Here's how you can take control of your retirement plan.
01/16/2020 08:58 AM
Why Inflation Hurts the Aged Maximum
There is a convincing reason for the aged to work even after retirement from work in certain countries especially if their retirement benefits are not large enough and inflation is more than the optimum level. Inflation at best captures average price of a predetermined basket of goods. Individuals, however, have different preferences for goods.
12/10/2019 04:55 PM
5 Risks/ Rewards Of Today's Investment Options
Each of us, have a variety of investment choices, and/ or, options, to choose from, when we decide, the best way, to invest our funds! Each of these has both, risks, and rewards, and based on a combination of one's personal comfort zone, needs, goals, priorities, plans (short - term, and longer - term), and personal financial situation, a decision should be made, on a personal level, because, this is, anything, but, a, one - size - fits - all, situation! One must learn, as much as possible, and proceed, with a clear - mind, focus, and create his personal...
12/05/2019 02:10 PM
How To Make Money From Forex Trading by Utilizing Volatility
Dealers from the currency market are presently a savvy bunch. Almost everybody in the foreign exchange market today is self-trained in studying graphs, or even a consumer of some kind of high technology applications to trade the foreign exchange industry. Many have graduated from utilizing pure technical evaluation into the new-fangled elegance of neural network calling and artificial intelligence. However, a vast majority of those experts fail within their trading, losing cash from their trading instead of making gains. Why can it be so?
12/04/2019 12:16 PM
This Is Why You Should Encourage Your Tenants to Pay the Rent Online
The common excuses tenants give to their landlords when asked to mail their rent check payments are: they do not have a checkbook, or they do not know where to get stamps. Nowadays, many renters are looking for ways to pay rent online. They use the Internet to pay bills, shop, attend classes, and stalk their past loves, so why not use it as well to pay the rent?
11/19/2019 01:57 PM
Retirement Is Fool's Gold
Many people look to retirement as their golden years. After a career of working for a corporation, small business or the government, you can look forward to magical, worry-free years of travel, sports, parties, family, friends, and waking up without an alarm clock. Sounds wonderful, right?
10/29/2019 01:19 PM
Top Money Market Accounts Info: What Is an MMA? What Perks Do the Best Online Banks Offer?
As soon as you can afford to start investing, one of the first things you should look into is a money market account. This is a very low-risk way to invest your cash, and there is a potential for a decent pay off, as long as you choose one of the top money market accounts with a leading online bank.
10/29/2019 01:18 PM
Top 10 Savings Accounts Info: Which Online Banks Offer the Highest APY? What Is the Best Savings?
The ideal savings accounts are those that will help you grow your money and give you the freedom to do just about whatever you want with it. It shouldn't cost very much money to maintain a savings account, either. It's recommended that you stick with an online bank since they are able to provide better APY than what the traditional brick and mortar banks can offer. To help you with your decision, here are the top 10 savings accounts right now (in no particular order):
10/29/2019 01:15 PM
Best Certificate of Deposit Rates: A Guide to the Different Types of CD Accounts and APY
Are you looking to start a savings account with a good yield? Perhaps the best place to get started is with an online bank. They are better able to offer the best certificate of deposit rates since they operate primarily online and don't have physical branches to finance. CDs are often considered to be the "next level" up after a savings account. However, you will be required to keep your funds locked up for a set period of time. Depending on the bank, there might or might not be a penalty for an early-withdrawal.
10/29/2019 01:15 PM
Top Savings Accounts: A Guide to Online Banks and the Best Savings Opportunities
There is no need to start a savings account with a traditional bank. There are many online banks that offer better savings options for people of all ages. Regardless of your goal, you should consider signing up for one of the top savings accounts online. Some of these banks will do more than just allow you to save your money - they will help you get an interest rate on your money and help you "build" your account.
10/28/2019 11:26 AM
Support the Arts and Make Money: Invest in Art
Investing in art can be fun, satisfying and lucrative. It is a different kind of investment. And it's not boring!
10/01/2019 09:31 AM
Habits and Your Financial Health
There is a saying "you are what you eat". There is another saying that is equally as important - "you are a product of your habits". Using an analogy of an ocean liner - how would you steer it to change course in a meaningful way? Very slowly but consistently.
10/01/2019 09:28 AM
Top Rated Money Market Accounts: Understanding How MMAs Work and Which Bank to Choose From
A "money market account", or MMA, is a low-risk savings solution offered by credit unions and banks. Unlike with personal savings accounts, banks can actually invest the money from MMAs in other places such as bonds and CDs. The places they invest in are very low-risk, making the investment from the customers purchasing the MMA very low-risk itself. Investing in the top rated money market accounts is worthwhile since you will receive a better interest rate than you typically would with a savings account.
09/11/2019 02:35 PM
Check Out These Odds Before Applying For A Credit Card?
Are you planning to get a credit card? Be sure to give these crucial points a thorough read first.
08/28/2019 11:36 AM
Top 5 Frugal Living Ideas to Save Money for Emergencies
Are you looking for ways to live frugally and save money? Frugal living means being resourceful and not spending more than required. In short, it implies that you are a careful spender and stay content living with less to save money for emergencies!
08/01/2019 07:17 PM
Latest Smart Ways Women Can Reduce Long-Term Care Insurance Costs
There are important newer ways that older women who are single, divorced or widowed can plan for long-term care and reduce the cost of long-term care insurance protection by 20, 30 and even 40 percent yearly. Strategies shared by the American Association for Long-Term Care Insurance can help women who are 60 or older begin the education and planning process.
06/27/2019 12:29 PM
The Smart People's Choice: Paying the Rent Online
Nowadays, the fast Wi-fi connection plus the introduction of new mobile apps have enabled people to pay their bills online, and to schedule appointments as well. Tenants use the same technology to pay rent on time and manage their funds. Paying online anytime and anywhere has become the new standard.


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