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Personal Finance Articles
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Are you feeling the pain of just not having enough money? Many of us are experiencing the effects of unemployment, reduced job hours, working part-time only, reduced wages, or just not having enough money to go around. This can definitely lead to depression, sadness, and a feeling of helplessness!
With…
Daily routines. Daily habits. We all have them. These routines and habits shape how we live our lives. Are we living our lives in a manner that makes us happy? Hopefully. If not, is our quality of life really where we want it to be? If it isn't, perhaps taking…
In order to manage your cash, you must first have cash that is available to manage. Makes sense, right? Monthly bills always seem to consume all your money. This certainly prevents you from having cash to manage. It is all going to bills! What if you were able to eliminate…
The first thing that stops people from actually saving for retirement is that they just don't understand how any of it works. Once you break things down and start researching to make yourself a simple, understandable, doable plan it will make more sense and become more realistic. So, how to…
It is not about how much money we make, but it is about how we use the money.
Or you can simplified it by…. It’s Not How Much, but where and how you save is important.
Your credit really determines how reliable you are as a person when it comes to paying bills. Or, so they say. Truth is, paying your monthly bills on time can not guarantee a higher credit score. You can regularly pay all your monthly bills on time and still have a…
Over the years now, companies are stepping out of their tiny little caves and going public. You know what this means? Great opportunities for you, as investors, to bank on the profitability of these companies, and develop your own little wealth.
But before you go out on a shopping spree,…
Illinois Governor Pat Quinn said that lawmakers must fix the Illinois state pension plan before the program collapses. On February 22, 2012 Governor Pat Quinn gave a 30 minute budget speech but never mentioned how he plans to fix the Illinois pension system. Quinn said that he was elected governor…
In the year 2006, three friends decided to start an online shoe company. The culmination of this dream was Spartoo. Named after the famed Greek city Sparta, the founders of the company decided that they wanted to emulate some of the famous internet companies and added the two “O”s at…
The trading is not based on the guessing work or personal instinct. It has many analytics supporting each move of the trader. The faster analysis of the different parameters and the market movement may turn out to be great help for the trader. The market movement is not just guided…
As someone with poor credit history you are unlikely to be able to open a standard bank account. Bank accounts for poor credit history customers do exist, but be warned! They will be very basic accounts, often with no bank cards available. This means that you will only be able…
Are you aware that retailers have mastered the art of captivating customers to stay longer in their shops to allow them to shop greater than what they need? Retailers hire professionals to design their stores, to make sure that customers will buy more products.
They also successfully convinced customers which…
If you were researching investment types, you may have come across bankers acceptances and wondered what they were and more importantly, whether they are an investment type that can be good for your own situation. This article explains what bankers acceptances are and why they might be right for you.…
At least some of it can be. If you have a mortgage, you may be missing out on monthly cash that belongs in your pocket and not your mortagage companies'. This is cash flow you definitely want a part of. What is cash flow? Cash flow is the movement of…
The French real estate market has always been attractive to those looking to buy property abroad and for a long time it has represented a good investment in an economically stable country. For anyone interested in buying in France, like in Britain, there is a wide range of financial solutions…
Money does not grow on trees and budgeting it can be a task.
Examine how many hours you work per week and calculate the hourly rate. If you make $40.00 per hour and you want to purchase goods that will cost $60.00, you will have to work 1.5 hours to…
As a way of doing business, e-commerce has come to be accepted. However, as this is evident by way online payments are made, e-commerce is still relatively a new technological evolution. For example, online credit card payments is still exceptionally difficult and beyond the technical expertise of most online merchants.…
There has been a lot of hate toward so called "green energy" or "renewable green energy" in recent years. The Solyndra scandal involving the Obama administration is just one example. To quite a few people, the idea of green energy implementation jobs and, as a result, green energy implementation on…
When many people retire, they think that most of their financial planning is done and over with. They’ve got their retirement plan set up, they know how much money they will have to live off of each month, and (if they’re smart), they have everything planned out. But what if…
Saving money seems to be very difficult. But not today. Whether you know it or not, you just may find it a little easier to save some of your cash....today. Here is some friendly free advice on how to save some money and improve your cash management skills.
1.Gas Tank-Always…
From the basic pay to your benefits package, make sure you know the most effective way to negotiate a job offer.
So, do you just accept the salary on offer or do you take a gamble and hold out for more? From the basic pay to your benefits package, make…
Connecticut teachers have contributions taken out of their pay checks each and every pay day in order to be deposited into the Connecticut Teachers Retirement Fund. Your employee contributions are a significant portion of your overall salary and this money is supposed to be matched by The State of Connecticut.…
If you are trying your hands on forex trading for the first time or you have been unsuccessful in your transactions from certain time then try different tools that will work for you. The copytool is the wonder tool that can make even the unsuccessful trader make money from the…
These days, it’s important to try to find ways to save money everywhere you can, so how about I show you how to save money on auto insurance. There are more and more seemingly “fixed” items in our monthly budgets, but you auto insurance does not need to be one.…
Could you imagine if somebody asked if you owned an iPhone or a Droid and you replied, "What is that?" It is an unspoken expectation that you must be familiar with the two major smartphone operating platforms to be a citizen of the developed 21st century world, where the words…
It is time to wake up from the illusion of the American Dream.
Sometimes I feel society has aided in the stress and pressure some of us feel to accomplish the "American Dream".
We all know the "American Dream" as being a house, car and that plush dream job. But,…
Want to get paid just by putting money in the bank? This opportunities now exist at most banking institutions. You won't get rich, but perhaps part time income can be made if you manage your money correctly and use some at the bank. Here are a few ways to can…
Most people, whether they have a little money or a lot, stress about their financial future. They fret about who they can trust with their estate planning, their retirement plans, insurances and tax planning. They also fret about which financial advisor has the expertise and integrity to create a financial…
Companies in the Service Industry that offer and sell intangibles are appreciating the need to monitor and evaluate how we use their services after paying for them because it is only when we experience the value from using it that we will buy more. Long ago, their counterparts in the…
What on earth is financial detox? I know you might have probably heard of body detoxing where you get to eat certain foods only, as you detoxify your body of accumulated toxins for a given time.
Here we are going to bring that concept and apply it to your finances…
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