Personal Finance Articles
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Personal Finance is the ways in which individuals obtain, budget, save, and spend money over time.
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All articles written by an Official SelfGrowth.com Guide are denoted by three asterisks (***) at the beginning of the title.
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Personal Finance - By The Truth About Personal Finance- In Case of Bad Credit-No Credit Check Secured Loan –Correct Answer - by Submitted on Nov 17, 2009 from Robart WatsonGetting a No credit check secured loan is quite hard if you do not have any security to offer. A positive credit details is something, which gives comfort to the lenders. In the absence of a security and credit check they impose strict conditions for lending. A proof of continuous employment and a ...
Views: 3You must read the article to rate it. - Reset, Renew and Remember as You Celebrate Your Holidays - by Submitted on Nov 14, 2009 from Pat HeydlauffWith the holiday season rushing toward you at warp speed and Thanksgiving just days away, are you already thinking, “How am I going to get everything done this year with less time and less money?” Are you so worried about all the details and how to pay for it that you will never get anything ...
Views: 5You must read the article to rate it. - ***Questioning Work & Retirement - by Submitted on Nov 12, 2009 from Bill LoseyQuestion: I’m 55 and not really happy with my job any more. I’d like to retire but I’m not sure I have enough money. What should I do? Liz, New York Answer: Liz, realize that you’re not alone. Many baby boomers are tired and burnt, and no longer want to wake up to their alarm clock ...
Views: 7You must read the article to rate it. - Two Money Making Opportunities - by Submitted on Nov 09, 2009 from Steve GillmanThere are some jobs that could be considered money making opportunities. Movie star and professional football player come to mind. But if you don't have the talents necessary for those you won't likely get rich with a job. That leaves investing and starting a business as the best alternatives. ...
Views: 5You must read the article to rate it. - Emergency Fund: Save for that Rainy Day - by Submitted on Nov 08, 2009 from Frank RodriguezThese days it is more important than ever to have an emergency fund prepared for the inevitable. You could become ill for a long period of time or your car may require some major repairs. There's always a chance you could get laid off or fired. Your company could downsize. The list of possibilities ...
Views: 6You must read the article to rate it. - The Facts of Registered Pension Plan (401k) In US and Canada - by Submitted on Nov 07, 2009 from Kyle NortonA. Types of Registered Pension Plan Registered Pension Plan is a form of a trust that provides pension benefits for an employee of a company upon retirement. RPPs (401k) are registered with the government. The employee and employer, or just the employer make contributions to this retirement plan ...
Views: 8You must read the article to rate it. - You Do Not Need To Empty Your Bank To Stay Fit - by Submitted on Nov 07, 2009 from Julie JohnsonHealth insurance has become the number one concern of almost everyone in this country. Cheap health insurance is seldom available and, if it is, does it provide the coverage that an individual or a family needs? Does it provide for preventive care so that today's families can remain in good health? ...
Views: 9(1 vote)You must read the article to rate it. - Knowing How To Determine Your Eligibility for Disability Benefits - by Submitted on Nov 05, 2009 from Michael RelvasDisability insurance is a financial product designed to protect a person’s ability to earn an income. If an injury or illness prevents you from working, a Disability insurance policy will provide you with a monthly benefit to replace a percentage of your income. Disability coverage can normally ...
Views: 15(2 votes)You must read the article to rate it. - ***4 Pre-Retirement Requirements For Investing Your Money - by Submitted on Nov 02, 2009 from Bill LoseyQuestion: What are some things I should keep in mind if I want to reach the goal of retirement within three years? Thanks in advance for your response. Lorri, MA Answer: Lorri, whether your goal is retirement in 3 years, a new car in 5 years, or college education in eighteen years, in order to ...
Views: 20You must read the article to rate it. - Economic Depression Survival Tips - by Submitted on Oct 29, 2009 from Steve GillmanThe following economic depression survival tips are all about preparation. With a bit of street smarts and a willingness to do what's needed you can survive losing everything. But it is better to prevent that from happening in the first place by being prepared for some worst case ...
Views: 11(1 vote)You must read the article to rate it. - Nine Tips to Save Money on Meat and Poultry - by Submitted on Oct 29, 2009 from S. L. SimmonsAccording to a 2008 survey by the U.S. Department of Labor, the average family of four spent $5,478 on groceries, including $1,201 on meat, poultry, fish and eggs. Reducing costs in this area clearly could save hundreds of dollars a year for many families. Listed below are some tips to help keep ...
Views: 9You must read the article to rate it. - Crown Financial Ministry: Larry Burkett Program Leads the Path to Financial Freedom and a Total Money Makeover - by Submitted on Oct 26, 2009 from Diana HazlettThe Crown Financial Ministry was founded in 1976 and is dedicated to equipping people around the world to learn, apply and teach Biblical financial principals. David Newby, author of “Why Didn’t Anyone Teach Me This?” has learned these important financial fundamentals and continues teaching ...
Views: 23(2 votes)You must read the article to rate it. - Are You Ready for Your Money Shift? - by Submitted on Oct 26, 2009 from Fracka Future“Often people attempt to live their lives backwards: they try to have more things, or more money, in order to do more of what they want so they will be happier. The way it actually works is the reverse. You must first be who you really are, then do what you need to do, in order to have what you ...
Views: 9You must read the article to rate it. - Increase Your “Havingness” for Financial Freedom - by Submitted on Oct 26, 2009 from Fracka Future“You will become as small as your controlling desire; as great as your dominant aspiration.” ~ James Allen Imagine that you’ve gotten everything you ever wanted… the life partner, the house, the car, the clothes, the physique, the friends, the money, the lifestyle… Now ...
Views: 12You must read the article to rate it. - What Everyone Needs to Know about Refinancing - by Submitted on Oct 23, 2009 from George PettitFor many people with debt, refinancing is the best way to lower monthly payments and save a great deal of money over the life of the loan. Loan refinancing offers consumers the chance to find more favorable terms on an existing loan, whether through lower interest rates, extending the life of a ...
Views: 13You must read the article to rate it. - Money, Credit, & Greed: 8 Tips Parents Must Teach Their Children - by Submitted on Oct 22, 2009 from Matthew TooneAs important as it is for children and teenagers to understand these 8 essential principles below – it is far more important that their parents actually know, understand, live and exemplify them before trying to teach them to their kids. 1)What Do Kids Want … That Money Can’t Buy: Our ...
Views: 55(7 votes)You must read the article to rate it. - Recovering From The Credit Plague Starts With Your Free Credit Report - by Submitted on Oct 20, 2009 from Darrell DevanThe foreclosure crisis has created bad economic plague across America. Restoring your credit after you have suffered as a consequence of a crisis such as a bankruptcy, foreclosure or a string of ill-fated financial events is a requirement if you are going to move on with your life. There is a lot ...
Views: 20(1 vote)You must read the article to rate it. - Wealth Creation Means What? - by Submitted on Oct 17, 2009 from Steve GillmanWhen we hear about wealth creation it is usually presented as gaining money and other valuable assets. Make money, then invest it to grow your net worth - a common formula. Those who look a little deeper see that assets alone don't necessarily pay the bills, stress making your money and assets work ...
Views: 26(1 vote)You must read the article to rate it. - How to Use Money Affirmations - by Submitted on Oct 15, 2009 from Bryan AppletonAffirmations are a good tool that you can use to help you to create beliefs that will change your life. For many people, the desire to attract money is VERY strong. You can use affirmations to help you with this. Money affirmations are phrases that you repeat over and over to re-train the way that ...
Views: 49(9 votes)You must read the article to rate it. - ***5 Retirement Planning Blunders - by Submitted on Oct 15, 2009 from Bill LoseyRetiring from ones employment can be a stressful time but it doesn’t have to be. Realize that it’s natural to be nervous, anxious and/or confused when you’re going through a major life change. Your decision to retire is causing you to step outside your comfort zone and is forcing you to ...
Views: 34(3 votes)You must read the article to rate it. - Common Mistakes People Make With Bankruptcy Attorney Fees and How to Avoid Them - by Submitted on Oct 13, 2009 from Rebecca MillerThere are different attorney fees for filing bankruptcy for chapter 7 and chapter 13, but they can be waived off completely if a financial hardship has been proven. The best advice in evaluating the attorney fee is to check upon the efficiency of the attorney or by getting an attorney by a ...
Views: 24You must read the article to rate it. - Dealing with Bad Credit - Increase Your Score - by Submitted on Oct 10, 2009 from Cris RendallPoor credit affects millions of Americans, especially now in these tough economic times. The toll that bad credit can take on many people can be quite profound. Getting a mortgage for a new home can be near impossible. Applications are likely to be turned down for new credit cards, new cars, and ...
Views: 21You must read the article to rate it. - ***How Long Will My Portfolio Last? - by Submitted on Oct 09, 2009 from Bill LoseyQuestion: If one has a properly diversified investment portfolio, what percentage do you feel is safe to plan on withdrawing annually so that my account value never decreases? Susan, New Jersey Answer: Susan, as long as you limit your withdrawals to the amount of interest, dividends and ...
Views: 35(2 votes)You must read the article to rate it. - ***5 Rules to Saving For Retirement - by Submitted on Oct 09, 2009 from Bill LoseyThe Automatic Rule Start saving money today. Even if it’s only a buck or two each pay period, savings is a habit you must start and stick with for the rest of your life. To improve your chance of savings success, automate the process. Have money withdrawn automatically from your paycheck or ...
Views: 39(1 vote)You must read the article to rate it. - After Bankruptcy Loan Choices: Secured or Unsecured - by Submitted on Oct 08, 2009 from Robart WatsonThere are secured and unsecured debts. Secured debts begin as a secured loan. The borrower pledges property such as a house, vehicle or assets as security. These assets then become a secured debt. If the borrower defaults on payments, the property can be used as security and sold to pay off the due ...
Views: 29You must read the article to rate it. - State and Local Taxes - by Submitted on Oct 07, 2009 from Robert RimbergNavigating through todays tax environment takes the experience and expertise of top-notch tax professionals, who can help you, not only comply with increasingly complex regulations, but also help minimize their impact on your business. Constantly changing rules and procedures means having a team ...
Views: 26(1 vote)You must read the article to rate it. - Rebuilding Credit after Bankruptcy - Tips and Suggestions - by Submitted on Oct 07, 2009 from Andrew RakersIndividuals who have filed for bankruptcies find rebuilding credit status a very difficult activity, after the bankruptcy has been dealt with. It’s important to rebuild credit after coming out of bankruptcy, since account details are flagged for seven years right after the inception of ...
Views: 27(1 vote)You must read the article to rate it. - A Primer on Subprime Mortgages - by Submitted on Oct 06, 2009 from Yossarian SmytheThe term “subprime mortgages” has leaped from business pages to the front page headlines. However, not a lot of people understand exactly what it means and how it caused the US economy to fall. What Are Subprime Mortgages? Simply put, mortgages are called subprime because they are below ...
Views: 26(1 vote)You must read the article to rate it. - The Deal about Bankers’ Bonuses - by Submitted on Oct 06, 2009 from Yossarian SmytheMany people believe that top bank executives today earn way too much. Nearly everyone is further enraged when these overpaid bankers appear to have made significant mistakes and have been blamed for their part in the collapse of the economy, and yet still get substantial bonuses. The Attorney ...
Views: 22(1 vote)You must read the article to rate it. - Warning Signs of a Recession - by Submitted on Oct 06, 2009 from Yossarian SmytheRecession is the economic term used to describe a certain period of general slowdown in the economy. The last recession that happened in the US was back in 2001, although the extent of that recession is not comparable to the global recession happening today. Here are some of the warning signs that ...
Views: 22(1 vote)You must read the article to rate it. - Three Real Estate Investing Secrets - by Submitted on Oct 01, 2009 from Steve GillmanThe following real estate investing secrets are not so much secrets as they are principles that are not widely applied and often ignored. Use them and you will have less risk and a greater chance for success. 1. Speed Equals Profit When investing in a fixer upper, many people are tempted to ...
Views: 20(1 vote)You must read the article to rate it. - Who Are You, And Are You Happy With You? - by Submitted on Sep 30, 2009 from Scott ColettiI am often asked why I write these journal entries or articles on a monthly basis and not long ago I would have probably thought that I would be silly to do such a thing. Oh well, I have changed and it is what it is. I would not call myself an author, but just someone who enjoys speaking with words ...
Views: 45(2 votes)You must read the article to rate it. - ***My 401k Match Got Suspended! - by Submitted on Sep 29, 2009 from Bill LoseyQuestion: My company recently sent out a memo saying they were going to suspend their matching 401k contributions for the rest of 2009 and maybe 2010 as well. This could dramatically affect my ability to retire. Are they allowed to do this? Christine, New York, NY Answer: Christine, each ...
Views: 42(3 votes)You must read the article to rate it. - Online Debt Consolidation Tips: A help Before Do Your Business - by Submitted on Sep 28, 2009 from Robart WatsonAre you receiving harassed out with mounting debts on your mind? With the temptation on credit cards and store credit it is simple to end up with a whole range of debts. Having too a lot of dissimilar debts makes things stressful and hard to control. Think a debt consolidation loan. This is a ...
Views: 23You must read the article to rate it. - Only 5 Minutes To Break From TEA - by Submitted on Sep 22, 2009 from Scott ColettiIn my last article I spoke of how important it is to have powerful and positive thoughts. Those thoughts would lead to enlightened emotions and subsequently stronger actions as a result. I gave it a name so you all could remember, TEA. I want to speak to you today as a real person with human ...
Views: 39(2 votes)You must read the article to rate it. - High Risk Personal loan Unsecured –Money without Risk - by Submitted on Sep 18, 2009 from Robart WatsonWhat is a High Risk Unsecured Personal Loan: A loan or fairness interest that is given without any security of payment, recital, approval or opportunity for return from the recipient is called an unsecured loan. No assets, interest or security is used as security in either a guarantee or a pledge. ...
Views: 48You must read the article to rate it. - A Question of Pricing - by Submitted on Sep 17, 2009 from Sandy PennyI received an email today asking about pricing for reading a manuscript that is ready for design. The designer has noted errors and inconsistencies and is unsure of how to proceed with the author: [Good morning Sandy, I'm a graphic artist who will be formatting a client's book after her ...
Views: 49(1 vote)You must read the article to rate it. - Get Organized: Get a Grip on Spending - by Submitted on Sep 17, 2009 from Becky EskerGetting organized with your spending is a life skill everyone should have. Moreover, with the status of the economy, you might be concerned about your finances and keeping more money in your pocket than ever before. I have good news for you. There are four specific actions you can implement to ...
Views: 37(1 vote)You must read the article to rate it. - Here Is The Skinny On Why TEA Is So Important For Us - by Submitted on Sep 15, 2009 from Scott ColettiTea has often been referred to as natures ‘wonder drug’ and to its healing qualities used for centuries in the Far East and even England. It is the second most widely consumed beverage, second only to water. It is also no secret that in these areas of the world where tea is most consumed, ...
Views: 38You must read the article to rate it. - IRS Uncollectible Status - Definition, Qualifications, Process and Usage Case - by Submitted on Sep 16, 2009 from Manuel Davis JrEver year the IRS puts many taxpayers into the “Uncollectible Status” category or classifies them "Currently Not Collectible" (CNC). What essentially this means, is that the IRS will not proactively seek back taxes from a taxpayer that owes because of validated economic hardship. If their ...
Views: 54(1 vote)You must read the article to rate it. - Energy Efficiency Is The Cheapest Source Of Renewable Energy - by Submitted on Sep 12, 2009 from Paul RodgersIf you've been worried about our environment or looking to save money, I strongly suggest giving residential solar energy a try. No pun intended but the future of residential solar energy is very bright. As the name suggests, residential solar energy is the use of solar energy for the home. In ...
Views: 36You must read the article to rate it. - Go Shopping in YOUR Closet - by Submitted on Sep 11, 2009 from Nancy KvammeGo Shopping in YOUR Closet How often do you stand in front of your closet thinking you have nothing to wear? Instead of heading to the mall, take a second look at your closet. I bet if you look way in the back you will find items you have not worn for awhile. It will feel like a new outfit. ...
Views: 42You must read the article to rate it. - Does (Wallet) Size Matter? Why Women Are Spending Less and Living More - by Submitted on Sep 10, 2009 from Intent.com AuthorsIn my moms group last week, I asked the question, “What are you all doing to save money?” What I meant was, “How are you saving cash around town?” The answers I got clued me in to a core shift in our experience: the economy is changing not just the way we spend, but the way we live—that ...
Views: 47(2 votes)You must read the article to rate it. - Tel Aviv Woman Mistakenly Trashes $1 Million Mattress -- Where Should You Put Your Money? - by Submitted on Sep 10, 2009 from Intent.com AuthorsTalk about a case of regretting doing something nice for somebody. An Israeli woman in Tel Aviv, known simply as Anat (not her real name) only wanted to do something nice by buying her elderly mum a new mattress. Little did she know that her mum, after a bad experience with a bank, was saving their ...
Views: 46(1 vote)You must read the article to rate it. - Carefully Selecting a Used Car to Save Money - by Submitted on Sep 10, 2009 from Andy JobsCountless things need to be carefully examined prior to obtaining a used vehicle. Here are certain critical ideas to aid you in coming up with a fitting and trustworthy vehicle from a broad choice of attainable preferences. Primarily you need to compute your recurring expenditure on a monthly ...
Views: 41You must read the article to rate it. - The Financial Benefits of Buying a Used Car - by Submitted on Sep 10, 2009 from Andy JobsIndividuals all over the globe are evaluating their spending preferences and with monetary difficulties being a truth for a good number of us we need to think of how are investments at present will save us cash in the present and future. An automobile is a need for all of us but purchasing a brand ...
Views: 34You must read the article to rate it. - Building Your Financial Wealth, Start Immediately! - by Submitted on Sep 05, 2009 from Gary KohnkeBuilding your financial wealth is more important now than it ever has been. The earlier you get started the better off you’ll be down the road. I have been investing in my 401K since I was 28 years old and it was getting to be a very nice nest egg until the stock market crashed. I lost quite a ...
Views: 39You must read the article to rate it. - Transform Your Home Into An Energy Producing Green Home - by Submitted on Sep 05, 2009 from Paul RodgersInvest just $200 then you can transform your energy-using home into an energy producing "green home". Alternative energy sources give us a way out of the oil crisis and let us feel all warm and fuzzy inside about saving the environment with renewable energy. Alternative Energy forms are a ...
Views: 44You must read the article to rate it. - Learn How To Produce Free Energy For Yourself - by Submitted on Sep 05, 2009 from Paul RodgersFREE energy for everyone...! You already have everything you need to produce free energy for yourself and for your family. In fact, the dream of ecologists is already sitting in the hands of the people waiting to be manifested into reality. Keep on reading to find out even more about how you too ...
Views: 42You must read the article to rate it. - The Story of Currency (Barter, Capital, Cash, Money, Credit, ...) - by Submitted on Sep 02, 2009 from Danish AhmedHi there everyone!! Once upon a time, before there was any money, individuals in small communities would exchange products and services with each other. To have a standard unit of measurement that was generally accepted by all, things like shells, cocoa beans, feathers, or even pretty stones ...
Views: 59(1 vote)You must read the article to rate it.
