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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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.
06/27/2019 12:29 PM
A Few Healthy Reasons to Start Collecting the Rent Online
A landlord's life is quite stressful, whether he manages one rental property or a hundred. It is hard to find tenants who are responsible and trustworthy, as well as maintain a property and collect rent. The process is, without a doubt, demanding.
06/27/2019 12:29 PM
Here Is Why You Should Switch to Paying the Rent Online
Some people are hesitant to pay their rent online - why do this when they are used to paying the traditional way? Come to think of it, there are some benefits when paying rent online. Property owners are now offering online payment schemes to tenants, giving them an opportunity to manage their finances better, free themselves from stress, and improve their credit standing.
06/12/2019 02:28 PM
How a Gold Bull Run Is Setting Up Beautifully for 401k and IRA Holders, As Well As Retirees
It's been about 5 years since the price of gold has done anything interesting, but with a recent move past $1300 and several billionaires endorsing the yellow metal, it could be high time folks took a closer look at precious metals for their 401ks and IRAs. Just how high could gold go? Try $5,000/ounce in less than 10 years, for starters.
05/17/2019 03:12 PM
Calling All Millennial Women: Your Finances Need You
Millennials are the fastest growing group in the workforce and are dealing with the challenges of graduating during a recession and the continued wage gap. Combine these factors with the likelihood of taking time away to have children and a longer lifespan, it's more important than ever to master finances and long-term planning.
05/15/2019 09:15 AM
Basic Financial Planning: The Self - Help Possibilities
The wealthiest Americans, often, rely upon, a large number, of, hopefully, well - qualified financial professionals, to plan, such things, as tax planning, estate plans, efficient budgeting, diversified investing, etc. However, for the vast number of us, we neither, have the amount of assets, nor the need, or ability, to hire these individuals. Most of these professionals charge significant fees, and, often, demand, a minimum amount of assets, to be invested.
05/13/2019 01:49 PM
Finances Are Vitally Important
No one can live without money or some means of obtaining the things they need in life. Everyone has problems, and some people have huge financial struggles. The people of Japanese heritage living in the United States during World War II faced huge financial hardship when they were stripped of their money and their means of earning money. They were incarcerated in camps but later succeeded by working hard.
04/23/2019 01:58 PM
What Else Do I Need to Think About in Retirement Beside Money?
There is a lot of buzz out there about having enough assets or income to be ready for retirement. Enough assets and income for what? The key to the financial side of retirement is to know what your expenses are. From there, extra costs like taxes can be added, and then the assets generating the income can be forecasted to see how it will pay for these costs. How to arrive at these expenses means asking yourself: "What kind of lifestyle do I want to have?" Since there are so many variations of the answer to this question, there is some introspection that likely will take place that will help form the retirement vision.
04/23/2019 01:54 PM
Your Path to Becoming Financially Free And Genius
So you decided to become financially free. That is a genius decision. Having to worry about money constantly is bad for your health and your wallet. Living in constant fear of creditors or collection calls is a nightmare, and one you can avoid.
04/23/2019 01:53 PM
What Is Fee-Only Financial Planning?
The world of financial advice is divided into 3 main categories. The traditional financial advisor is what most people are familiar with. This is the most common arrangement where a financial advisor works for an institution and sells product. The financial advice is given "free" and is part of the process of selling these products. The second category of advisor is called a fee-based financial advisor. This type of advisor does the same thing as the traditional advisor, but charges a flat percentage fee based on the assets managed rather than by product. The cost can be less but still can add up over time because the fees are based on a percentage of the assets you have. The advice is still part of the service and is "free". The last option is a fee-only or fee for service financial planner. This type of planner only gives advice and does not sell product. The charge for the advice is a flat dollar amount based on how much time is spent or how complicated the project is.
04/08/2019 09:39 AM
10 Common-Sense Ways to Cut Expenses and Get Rid of Debt
These are just a couple of questions to ask yourself when figuring out how to cut expenses. Better budgeting doesn't mean you live a boring, restricted life or have to feel weighed down by money. It's actually the exact opposite! You don't need to turn over every penny to save on your monthly expenses. Try these unexpected ways to cut expenses and start to improve your credit score.
04/04/2019 09:25 AM
3 Biggest Downsides of Bad Credit
Quite an unpleasant feeling when you need an apartment, find the apartment but can't get the apartment because you have small debts holding down your credit scores. Low scores, for some, can really affect your day-to-day. Especially if you're dependent on your credit.
03/28/2019 09:06 AM
Empowerment and Equality and Your Finances
The slogan "girl power" has been used for decades to encourage and celebrate female empowerment, independence, and confidence. The term used most often relates to sports and employment; however, new studies are showing that women need to exert their girl power when it comes to finances and financial planning.
03/22/2019 01:49 PM
Keeping Your Passwords Safe Is More Important Than Ever
Do you keep using the same password and variation? Are you keeping those little lists on sticky notes or folded papers in your wallet? Read how we are working with clients to change their ways and create safe and secure passwords.
02/05/2019 04:42 PM
Great Stock Market Guidelines for a Successful Portfolio
Investing can sometimes seem like a tough thing to do. A lot of people want to see their money grow, but they aren't sure where to start. The stock market is a good place to invest your money, so if you want to learn more about how you can make a reasonable income through the stock market, then this article is for you.
01/24/2019 09:51 AM
What's Your Money Secret?
That secret recording, your secret recipe, or your secret talent! Everyone has a secret. Even in money matters. In fact, only a few people would really know your actual money records, spending habits, or financial history - and for sure there are one or two financial matters that you have been keeping to yourself... unknown even to your life partner. You probably had a spending or credit memory you've been wanting to forget; unfortunately, for money matters 'past is past' doesn't really apply entirely.
01/16/2019 02:00 PM
Prepping for the After-OFW-Life
If you're ready to retire as an OFW, or a Filipino who just started working abroad, you may want to consider reading this list of the working realities and the best ending story of an OFW's journey. Take a peek into the common realizations when you're finally working as an OFW, and see the list of the most realistic and recommended next steps after the OFW life.
12/12/2018 06:19 PM
Finding Your Financial Advisor
It is critically important to understand if your financial advisor will be acting as a fiduciary for you or, instead, seeking investments that are suitable for you. It is also important, though, to learn if this is a trusted person that understands your needs, offers an approach that feels comfortable, and has the experience you seek for your unique circumstances. To help navigate the sometimes stressful search, we have put together our top five recommended questions when seeking a financial advisor.
12/04/2018 04:34 PM
Control Your Finances The Easy Way
Too much month at the end of the money? Many people are faced with the problem of running out of money before their next payday. This is usually because they don't take the time to organize their incomings and outgoings and end up wondering what happened to their money. There are solutions to help you control your finances which have helped me over the years and now I want to share them with you so you can learn to control your finances the easy way.
11/27/2018 01:00 PM
November Is Financial Literacy Month
Most of us only think of literacy in relation to reading. This month is meant to bring awareness to the term Financial Literacy and what it means to everyone. It doesn't mean understanding how to look at your bank statement, but rather looking at your entire financial plan and understanding how it fits your stage of life.
11/20/2018 11:16 AM
Increase Your Income
Increasing your income is the only way to build wealth. The more you can increase your income the more you can save and invest later. The best way to increase your income is with your current income flow. Here is how you do it.
07/24/2018 02:39 PM
Your Financial Checklist of Things to Do When You Retire
You've finally made it to retirement age! Congratulations! Now it's time to take a few smart financial steps so you can relax and enjoy your new-found freedom!
07/10/2018 08:19 AM
5.5 Steps on How to Save for Your Big Play
Save to invest into your big play. Do you have the financial resources to invest into the deal of a lifetime? Here are 5.5 steps to save for your next big deal.
07/09/2018 03:26 PM
Online Forex Trading - A Way to Enter in the Biggest Financial Market
The global increase in trade and foreign investments has led to inter-connection of many national economies. This and the resulting fluctuations in exchange rates, has created a huge international market for Forex, opening up another exciting avenue for trading.
06/30/2018 07:27 PM
The Secret Legacy Behind "Buy Term and Invest the Difference"
40 years after A.L. Williams started the "Buy Term and Invest the Difference" movement, a new study reveals how his legacy has affected the American family's financial health
06/21/2018 09:08 AM
Spend Money on Everything That Fulfills You
Very few things in life can provide fulfillment to the inner soul, and travel is one of them. When you combine travel with education, be it gaining or receiving the knowledge, it becomes a gratifying journey.
06/16/2018 10:37 AM
Reasons to Go Cashless and Ditch Paper Money
Going cashless can bring a lot of convenience to your life and make it easy to stay on a budget. More and more people are going this route and giving up paper currency all together. It looks like digital payments and cards can be used for everything. We've given you a few reasons why going cashless may be right for you.
06/12/2018 10:53 AM
Top Three Things You Should Do After Winning the Lottery
There's nothing wrong about using the money you earned from winning the lottery for pleasure like shopping, travel and others. However, keep in mind that it will eventually run out if you keep on spending. Before it happens, make sure that you have undertaken the following tips in order to avoid problems and to ensure that your cash is spent wisely.
06/04/2018 08:52 AM
Life Changing Investment Mistakes
This article is about the biggest Investment mistakes that can change your life entirely. Investment is the method of generating profits with the money we save. Money is the most important thing in any individual's life. Without money, no one can survive. Therefore we should start saving our money and start investing. Financial Planning is the first step to take. Financial Planning helps us to set us long term and short term goals and according to these goals we can create a plan and spend our money accordingly. If financial planning is not properly devised then we can make many mistakes which can affect our life tremendously. Some of the mistakes we make are discussed below.

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