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- Where Fashion Ends and You Begin - by Submitted on Mar 11, 2009 from John AOVPosh clothes, a sleek car, stylish furniture, a trendy haircut… Come to think of it, staying hip is no easy job: you need to keep informed regarding the latest trends and be fast enough to follow them. Are you sure you need all that? With so many magazines and websites brimming with tips on how ...
Views: 895 - Tips for Frugal Shopping - by Submitted on Mar 11, 2009 from John AOVWhen planning their budget, people often wonder how they will be able to buy all the things they need. The surprising thing, however, is that the more money we have available, the more things we seem to need. Since it is unlikely that there should be a direct causal link between our earnings and ...
Views: 817 - Saving Money is Simple - by Submitted on Mar 11, 2009 from John AOVIf you are trying to save money, there are some simple ways to cut back on your spending. Consider the following. Saving at Garage Sales For a person whose extremely limited income barely covers the cost of living, local garage sales can be a very practical option. For whatever you need, a few ...
Views: 843 - Save on Heat and Light to Save More Money - by Submitted on Mar 11, 2009 from John AOVAmong all home appliances, those that produce heat consume the most power. This is why your electrical bill shoots up to the high heavens during the peak of winter. However, there are ways to make maximum use of the heat your appliances give off so that your energy consumption does not need to ...
Views: 1137 - Save More Money on Food - by Submitted on Mar 11, 2009 from John AOVOne of the activities that most people engage in that is an excessive financial drain is eating out, especially in luxurious restaurants. Given that this society is materially driven and largely centered around food, this is a common way for an individual or family to spend both their time and ...
Views: 836 - Personal Finance Discussed In Simple Terms - by Submitted on Mar 09, 2009 from Menno SpijkstraThere’s nothing complicated with personal finance. Some creditors actually like keeping their clients confused, so that they’ll be given the “advantage” of charging you higher rates and granting unfair terms. You don’t want to be manipulated like a puppet, right? So to avoid that type of ...
Views: 543 - Making A Budget – 5 Insider Tips - by Submitted on Mar 09, 2009 from Timothy DereyYes, making a budget is, without a doubt, the foundation to establishing control of your finances. Putting proper budgeting techniques to use will enable you to track all of your incoming and outgoing cash to help you eliminate unnecessary expenses resulting in substantial savings. Tip 1 - ...
Views: 989(5 votes) - Book Review: Personal Finance For Dummies - by Submitted on Mar 08, 2009 from Douglas PakThis book review is part of a series that covers the topic of Personal Finance. Personal Finance address the ways in which individuals obtain, budget, save, and spend money over time. The Truth About...Personal Finance is the Official Guide to Personal Finance. Personal Finance For Dummies, by ...
Views: 903 - Definition: Personal Finance - by Submitted on Mar 08, 2009 from Douglas PakPersonal finance is the application of the principles of finance to the monetary decisions of an individual or family unit. It addresses the ways in which individuals or families obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future ...
Views: 2114 - Personal Finance - by Submitted on Mar 06, 2009 from Robin KDo you have trouble keeping track of your money? Do you know what your financial philosophy is? Does money control you, or are you the one in control? What's your financial purpose? Do you think money is the "root of all evil," or the solution to every problem? The answers are vital to your ...
Views: 1853(1 vote) - The Great American Hole Gets Deeper By the Day - by Submitted on Mar 05, 2009 from Taipan Publishing GroupMore cold hard facts as to just how deep in debt we REALLY are. I promise to stop soon. I really do. It brings me very little pleasure to upset you this way on such a constant basis. In fact, I look forward to the day when this column is full of nothing but hot stock tips. But I’d rather ...
Views: 595 - Ariel and Shya's Tips for Coping with the Economic Downturn - by Submitted on Sep 05, 2014 from Ariel and Shya Kane1. Don't panic, breathe. You are equipped to deal with whatever comes up in your life in each moment. You are not equipped to deal with hypothetical futures, which is what worrying is all about. Breathing automatically brings you back into the moment, calms and centers you. 2. Don't ...
Views: 1685(7 votes) - Go Green! Mind Your Money - by Submitted on Feb 27, 2009 from Patricia StallworthSo often when we talk about going green we are talking about the environment or a conservation project. But I believe that going green should start a lot closer to home. In fact, I believe it should start in your own purse or wallet by minding your money. In good times, minding your money may ...
Views: 946 - Exploring Your Options for Getting Out of Debt - by Submitted on Feb 26, 2009 from Krista ScruggsPeople have many options at their disposal to help them get out of debt. Each option has its advantages and disadvantages. To find the best program designed to help you get out of debt, you must learn about all the help that is available to you. The various programs listed below will hopefully ...
Views: 729 - Money Management for the New Millennium: Four Reasons Why Managing Money Today Is So Hard and What You Can Do about It - by Submitted on Feb 24, 2009 from SelfGrowth.com ArticlesHave you ever wondered why managing your money seems so hard? Not only is it challenging knowing which method will work, but more significantly, the real issue is determining which method will bring a long-term, sustainable, satisfying lifestyle change. You would think, with the abundance of ...
Views: 1734(1 vote) - Put Your Money Where Your Heart Is - by Submitted on Feb 24, 2009 from Eva ValentineSocially responsible investing is the practice of investing to achieve both financial gain as well as social good. Socially responsible investing (SRI) is not that new; in reality it’s as old as people and money, for in biblical times, Jewish law guided ethical investment, and seventeenth ...
Views: 532 - Bailout Burnout - by Submitted on Feb 24, 2009 from Melinda Day-HarperI don’t know about you, but I am really, no REALLY tired of hearing about/writing about the Bailout. Does it affect me? Yes. Can I do anything about it? No. So what can I do to positively affect my Personal Prosperity? (You know me, I’m all about being practical and by this point you’re ...
Views: 1188 - 11 Simple Ways to Organize Your Finances - by Submitted on Aug 05, 2010 from Mike PetersonWhether you are married or single, taking control of the household finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances, and reduce the stress of household money matters. 11 Simple Ways to Organize Your Finances #1 Keep Your ...
Views: 1468(1 vote) - Lower Vet Bills - 7 Ways to Improve Care While Saving Money - by Submitted on Feb 24, 2009 from Jan RasmusenVeterinary care for 2008 is estimated at $10.9 billion, up almost a billion from 2007. With the economy tanking, jobs disappearing and the stock market down, many of us are postponing or foregoing veterinary care because we can't afford expensive treatments. It's time - past time! - to eliminate ...
Views: 880 - What is the American Dream? - by Submitted on Feb 24, 2009 from Steve GillmanWhat is the American Dream? Is it two kids, a new car, a good job, and a big new house with a pet dog to greet you at the door? Hmm... At least there was a deeper conception of it when it was invented. James Truslow Adams answered the question "What is the American Dream?" in his book, "The ...
Views: 1121 - The President's $10,000,000,000,000 Economic Stimulus Package - by Submitted on Feb 24, 2009 from Steve SelengutFor homeowners: Cut the interest rate on all mortgage loans by 50 basis points and extend the payment schedule by three to five years. Convert all variable rate loans to fixed, at prevailing rates, and extend the payment schedule by six to ten years. No fees, points or charges tolerated. More ...
Views: 1924(1 vote) - True Wealth in a Great Depression Economy - by Submitted on Feb 23, 2009 from Sheryl Karas Paul HoodNone of us really know for sure what's going to happen in terms of the economy but one thing is certain: it's on all of our minds. We can incessently worry that the worst is going to happen or hope and pray that it won't, but why not just look the problem square in the face? What is your ...
Views: 2456(1 vote) - How Consumers Can Protect Themselves - by Submitted on Feb 23, 2009 from Todd HicksAre you someone who is extremely trusting of everything and everyone you come into contact with? Are you aware there are con artists out there waiting to pull a scam on you if you mess up? Do you like to protect your personal well being, finances and property? You will learn consumer protection ...
Views: 2881 - A Recession Regression - by Submitted on Feb 18, 2009 from Judith BarrIn my 30+ years as a psychotherapist, I have seen that people’s relationship with money—at the root—is based on a young child’s thoughts, feelings, and decisions about money and about the things money symbolizes for them. I have also seen that when under stress, people regress to the thoughts, ...
Views: 765 - The 3 Secrets to Surviving Hard Times - by Submitted on Feb 17, 2009 from James LeGrandPeople are out of work and struggling to survive. Businesses are failing or being purchased for less than their true value. People who once had a lot of wealth in the stock market are now desperate to just hold on to what they have left. Those who are employed or that have profitable businesses ...
Views: 1042 - How to Have a Credit Card without Debt - by Submitted on Feb 14, 2009 from A DawnMany people think of having a credit card as having automatic debt, but it doesn’t have to be that way. Here are some tips to having a credit card without having debt: Pay It in Full This one is pretty obvious, but most people do not follow it. Every month when you get the bill for your ...
Views: 1213 - Paying For College: Where to Find College Scholarships - by Submitted on Feb 12, 2009 from Carol EisemanThere are millions of scholarship dollars available for prospective college students. The problem is trying to figure out where they are and how to apply. There are websites all over the net that are happy to assist you with this process for a fee. Stop there. You want to find scholarship ...
Views: 1425(2 votes) - IVA for People with Bankruptcy - by Submitted on Feb 02, 2009 from Jennifer MorvaWe hear a lot about bankruptcy these days. The financial system has become quite pressurized due to the businesses making huge losses. Well, there are many people for whom it becomes really difficult at some point in time to handle this pressure. Thanks to IVA that such people get some financial ...
Views: 735 - New Ways to Make Retirement Budgets Grow in 2009 - by Submitted on Jan 27, 2009 from Michael AzzanoThe recent dawn of the New Year brings with it fresh concerns about the state of the economy, and senior citizens in particular are searching for new ways to save money during their retirement. As tax season approaches, it is important that older Americans be aware of some simple steps they can ...
Views: 591 - Making Money During a Depression - by Submitted on Jan 21, 2009 from Chuck PinnellMaking money during a depression is a challenge, without a doubt, but before we get into ways to make money, perhaps it would be a good idea to consider what things would be in a declining demand, and what things would be on an increasing demand. We should consider what things people need and ...
Views: 1714 - Personal Financial Crisis – Personal Spiritual Solutions - by Submitted on Jan 20, 2009 from James LeGrandThe financial markets are extremely uncertain. Last week we had the worst week in DOW’s history and Monday we saw the greatest gains ever. People are losing their homes due to foreclosure or the value of their house is now less than what is owed on it. Layoffs are on the rise. Business ...
Views: 1144 - Start Your New Year Right By Checking Your Credit Reports - by Submitted on Aug 17, 2009 from Kathy Jo PollackNo doubt, credit fuels our economy, and it also affects every area of our lives. Our credit rating, good or bad, can affect where we live, work, and our ability to get a loan or insurance. Do yourself a favor and make it your annual plan to check your credit reports from each of the three ...
Views: 2837(5 votes) - A Quick Jolt for the Auto Economy, Plus Ten - by Submitted on Dec 18, 2008 from Steve SelengutThirty Billion Dollars is a huge amount of money, but it translates into less than $100 per US person--- a small price that we should all be willing to pay to give the Automobile Industry time to restructure itself and to save a few million jobs. Give them the green, but have them pay it back ...
Views: 2018(2 votes) - Don't Panic! It's just a recession. - by Submitted on Dec 10, 2008 from sam sanderWith all economists warning that the western world is on the brink of a global recession – and even inklings of another depression - find out what this means for the average Joe and how you can manage your finances through these financial times. Just the word ‘depression’ ...
Views: 1316 - Free Debt Management: Take A Sigh Of Relief With Efficient Management - by Submitted on Dec 05, 2008 from Alec RecceIt is very common to have debts, the reason being immaterial. Debt management is a service which helps you to manage and clear your debts in an easier and quick way. If you are suffering from single or multiple debts and you are having less income as compared to those debts then free debt ...
Views: 621 - Basics Of Tax Debt - by Submitted on Dec 05, 2008 from Barry AllenIn life tax debt is faced by most people sometime or the other. It is nothing other than the inability to pay the IRS or state taxes due for a financial year or 2-3 years. IRS debt causes tensions and stress. Do not believe rumors and stay calm there are many simple ways in which you can handle ...
Views: 719 - Tips On Filing Late Tax Returns - by Submitted on Dec 05, 2008 from Barry AllenThe date for submission of tax returns for 2007 is April 17th. In case you miss the deadline for some reason you must still file a return as soon as possible. In case you owe taxes the IRS will impose fines, interest on money owed, and penalties. However, if a refund is due then interest and ...
Views: 1468 - Tax Returns: What Is A W2 Form - by Submitted on Dec 04, 2008 from Barry AllenIf you are an employee, that is earning salary from someone, you should receive a form W-2 from the employer. The form is a “Wage and tax statement” for the year. In order to file tax returns for 2007 you must either include a W-2 and in case the W-2 is not received by you on time ...
Views: 1329 - Adjustments To Income, Tips On Preparing 1040St - by Submitted on Dec 04, 2008 from Barry AllenMany times IRS forms change or new rules apply. To compute taxes accurately you need to consider what are known as “adjustments to income.” These are expenses that are deductible from earnings and will thus reduce the taxable income. When adjustments are deducted you will get what ...
Views: 740 - The 2006-2007 Tax Calendar at a Glance - by Submitted on Dec 02, 2008 from Barry AllenTaxes and tax returns are of paramount importance and a person needs what can be termed as tax discipline. In order of get all tax papers and relevant details ready and the tax returns, both federal and state filed on time you need a “tax calendar” which will become a ready reference ...
Views: 865 - What is "Risk Tolerance" Really? - by Submitted on Dec 02, 2008 from Tracy PiercyDictionary.com describes Risk as “the hazard or chance of loss” and Risk Tolerance as “the degree of uncertainty that an investor can handle in regards to a negative change in the value of their portfolio.” What if we combined these two definitions? Then we'd have a definition for risk ...
Views: 1229 - Insights into Tax Preparer Frauds - by Submitted on Nov 30, 2008 from Barry AllenTax season can send blood pressure soaring and often people try and find interim relief by hiring tax prepares to compute taxes and fill tax return forms for federal and state taxes. It is important to make all efforts to avoid tax preparer frauds and become victims of erroneously filed tax ...
Views: 727 - Insights into Filing Tax Returns in More Than One State - by Submitted on Nov 30, 2008 from Barry AllenAccording to US tax laws US citizens who work and live or earn income from business or property in more than one state will have to file more than one state tax return. (As far as a federal tax return is concerned, however, you only need to file one return.) Here are a few things to know if you ...
Views: 1461 - 6 Tax Filing Tips for Investors - by Submitted on Nov 27, 2008 from Barry AllenTaxes both federal and state are to be paid by investors. According to financial whizzes every investor needs wise financial planning and astute tax management so that you do not pay more taxes that you need to. Avoiding paying tax is a crime but paying the right amount of tax is ...
Views: 695 - Property Tax Relief: The Government Does Care - by Submitted on Nov 25, 2008 from Menno SpijkstraPaying taxes wasn't always this bad – there was a time when not every single manufactured good had tax piled on its price. But what the heck, there isn't much we can do about it, rallying on the streets while waving placards with certain official's names on it doesn't change much anyway. ...
Views: 641 - Household Budget Is Key To Debt Reduction - by Submitted on Nov 18, 2008 from Stephen GillWhat is a Household Budget? Isn't it just taking care of basic necessities and then making sure there is money set aside for entertainment? No, not at all. You see, that's how people get mired in debt. Most people get money and then spend that money right away. What comes in must go out. ...
Views: 736 - 6 Ways To Keep Your Car New And Running - by Submitted on Nov 17, 2008 from Barry AllenA car is like a friend it can be by your side for ever if you treat it well. All it needs is good care and technology will take care of the rest. All you need to do it learn all you can about the car and its needs. A car is like a friend it can be by your side for ever if you treat it well. All ...
Views: 677 - Healthy women need to focus on exercise to keep body fit! - by Submitted on Nov 09, 2008 from Jim AndrewsExercise is very beneficial for women of all age group. Exercise brings health as well as fitness in women. Doing regular exercise find it easy to cope up with changes taking place in body in different stage of life. Regardless of age physically activeness is tremendous, and is extremely ...
Views: 817 - Debt Management Program: Liberty From Debt Trap - by Submitted on Nov 07, 2008 from Alec RecceDebt management program is a simple systematic way to help those in debt become free from its clutches. It involves spreading the repayments over a period of time and stopping their creditors from taking legal action. This plan is based on income and expenditure. It is not necessary for people ...
Views: 661 - The Art Of The Balance Transfer - 5 Crucial Tips - by Submitted on Nov 06, 2008 from Aubrey ClarkNowadays, more and more people are “robbing Peter to pay Paul”, trying to make ends meet in today’s economy. A big part of their strategy involves shuffling credit card balances around in an attempt to get lower interest rates and lower payments. The credit card companies know ...
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