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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.
It takes a bit of hard work, some rock solid commitment and the desire to do whatever it takes. Becoming wealthy and accumulating a small fortune of your own is not going to be easy but it will be a very satisfying ride! For starters, understand that a personal fortune…
This article is going to explain how to rent a roomshare and save money on your monthly shelter expenses. I started renting roomshares about 10 years ago. It's a great way to save hundreds of dollars every month.
What is a Roomshare? I've never of of this before.
Remember when…
If you are planning on declaring bankruptcy in order to get rid of all the debts you have accumulated, you are most likely wondering what the consequences of declaring bankruptcy are. Declaring bankruptcy necessitates an informative decision as it is a major financial move that could seriously affect various aspects…
Where is the safest place to keep your cash. In the bank? In your investment portfolio? Or, perhaps, right underneath the place you sleep every night. Don't laugh. It may be a cliche, but putting those greenbacks under your mattress will still allow you to save money. In fact, if…
Shopping this time of year can be overwhelming, but the deals can be exciting. Not knowing exactly what to get, where to get it or what exactly to pay for it can get you lost quickly, and you can miss out on some of the best deals online. With these…
After buying some popcorn and hot dogs you and your significant other sit in the front seats of the theater when you notice something dwelling on your shirt- it has a brand new stain on it! Now you won't be able to enjoy the movie, and your hubby has turned…
You have read stories of people saving hundreds of dollars using coupons at the grocery store. You have watched the popular couponing television show featuring couponers with years worth of groceries and personal care items stockpiled in their basements. Now you want to know: how do they do it?! Learn…
ING Direct is one of the best savings products out there and may I personally add to me it is one of the top saving banks. It provides the best return on savings, you can have different types of accounts for different projects, and best of all it’s a savings…
Farm & ranch insurance has become the most important matter to look after for farmers and other people in the agricultural industry. People have always been dependent on their natural surroundings for every aspect of their life. Nature is responsible for everything, including food and shelter. The ancestors had long…
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…
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…
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.…
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…
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…
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…
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.…
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…
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