Personal Finance Articles
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Personal Finance is the ways in which individuals obtain, budget, save, and spend money over time.
The following content relating to Personal Finance has been reviewed by the editorial staff at SelfGrowth.com for quality and caliber.
All articles written by an Official SelfGrowth.com Guide are denoted by three asterisks (***) at the beginning of the title.
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- 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: 4(1 vote)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: 10You 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: 12(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: 3You 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: 3You 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: 3You 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: 32(5 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: 13(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: 16(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: 38(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: 23(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: 15You 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: 12You 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: 26(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: 28(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: 22You 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: 18(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: 19(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: 17(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: 15(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: 15(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: 14(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: 35(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: 33(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: 16You 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: 32(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: 39You 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: 40(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: 29(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: 32You 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: 41You 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: 29You 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: 34You 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: 39(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: 38(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: 34You 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: 27You 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: 31You 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: 36You 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: 33You 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: 50(1 vote)You must read the article to rate it. - How to Get Free Credit Reports - by Submitted on Sep 02, 2009 from Daniel MajorAn up-to-date credit report is an absolutely vital piece of information that every person should possess but don't get suckered into paying for credit reports that you are entitled to for FREE by law. Knowing exactly what is on your credit report is often dismissed as not being important by so ...
Views: 25You must read the article to rate it. - Ten Tips on Where to Put Your Money NOW - by Submitted on Sep 02, 2009 from Intent.com AuthorsOK. The financial panic seems to be over. No major investment bank has followed Lehman Brothers into that good night. AIG, Fannie Mae and Freddie Mac are totally, hopelessly bankrupt, but Uncle Sam is fully committed to keeping the zombies shuffling. And while some (many?) of America's banks are ...
Views: 44(7 votes)You must read the article to rate it. - It's Never Too Late to Start Saving - by Submitted on Sep 01, 2009 from Nancy KvammeOne of the arguments I hear when I talk to people about saving is that they are too old to make a difference. Whatever you can start saving now can make big difference One big step is to forget the past and focus on the future. In some cases it was being irresponsible but other cases it was ...
Views: 38You must read the article to rate it. - How To Play A Game To Save Money - by Submitted on Sep 01, 2009 from Charlotte TersigniBeing a stay at home mother has been quite a challenge as doing the back to school shopping. Let's face it, one income in this economy is a struggle. For our family this is some of the things I have done to attempt to save a bit during the economic crunch. First of all, having a good sense of ...
Views: 33(1 vote)You must read the article to rate it. - Term Life Insurance - Term Life Quotes, Rates, Companies, Policies, Definition, Comparisons - by Submitted on Aug 30, 2009 from Donald LusanTerm life insurance is favored by a large portion of our population. Let us take a close look at this policy and see why. It may be wise to begin by attempting to define this type of policy. Let us see what it is all about. Definition Term life insurance is a type of policy that pays a ...
Views: 63(1 vote)You must read the article to rate it. - Budget doesn't have to be a Four-Letter Word - by Submitted on Aug 29, 2009 from Nancy KvammeBudget doesn’t have to be a 4-Letter Word Many people dread the word budget. Money is active, you have to tell it where to go. The basic principle of making a budget is recording how much money you have coming in for the month. From that you subtract expenses for the month. First ...
Views: 48(2 votes)You must read the article to rate it. - Basics of Lending - by Submitted on Aug 28, 2009 from Steve De la RosaWhen talking about lending or loans, what we are really talking about is credit. Credit is money you ask for to pay for something. You promise to repay this money, plus an additional amount, usually called interest. Used carefully, credit can be extremely useful. On the other hand, if ...
Views: 52(3 votes)You must read the article to rate it. - Free Annual Credit Report – Know Your Financial Status - by Submitted on Aug 27, 2009 from Sophie WilsonIn today's crucial economic times, every one is working hard than ever to improve their credit scores. If you want to apply for a loan, a free annual credit report is an inventory that outlines all your repayment activities, shows the number of debts you have and the rates you are paying on the ...
Views: 42(2 votes)You must read the article to rate it. - Financial Abundance - 4 Strategies for Increase - by Submitted on Aug 26, 2009 from Shanshera QuinnWe are living in the best of times to become millionaires. Even if you grew up in poverty or had a very modest upbringing, the possibility is still there. It is yours for the taking as long as you can recognize and capitalize on each and every opportunity. However, being the trailblazer that you ...
Views: 64(2 votes)You must read the article to rate it.
