Personal Finance Articles
61: Piggy Banking for Adults
In the course of life, many lessons are learnt. Some of these lessons are learnt in Chemistry class. Others are studied just before the exams. Yet other lessons are learnt outside our classrooms.
We learn to be less naive and a lot more careful. We learn to become more disciplined and determined. We learn the importance of being earnest. We unde
62: Plan Retirement Early
If I want to gain financial freedom way before retirement age or latest at the age of retirement, I need to accumulate enough wealth to achieve the lifestyle that I want. This requires planning as gathered from the Rich Dad's series by Robert Kiyosaki. If I want to be cautious, I feel that I should have two plans.
The first plan is to plan for
63: Prevent Overstretching By Debts
First of all, I have to consider that there are two kinds of debt, good debt and bad debt. A bad debt is one that needs to be paid off by me. In good debt, someone else is paying off my debt as learned from the Rich Dad's series by Robert Kiyosaki. Good debt can be used to invest in assets that generate positive cash flow.
For example, I can bor
64: Prioritizing Your Retirement
As long as you make an effort to put retirement at the top of your list of priorities, you'll be able to retire. However, this is going to require you to re-evaluate the way you live your life.
There are hundreds of thousands of Europeans who have retired on one hundred dollars a month, or less. In fact, there are few, if any, European nations w
65: Reasonable Loans at Your Fingertips
The most common time in our lives when we seek financial aid is college. While student grants are wonderful, many times they don't shell out to what we expect. This is where loan plays an important role. I still remember my first year at a University wherein before going to school, I reduced my numerous expenses. I knew without money it was impossi
66: Saving Money on a Single Income
One of the most important things you can do on a single income is control your spending and find ways to save money. Life for most families is much easier on two incomes in most cases, but there are very good reasons why sometimes families have to live on just one income.
Saving money just makes living on that one income more practical. It can h
67: Select College Student Credit Cards Wisely
College student credit cards allow you to find the most benefit in funding your education, your expenses and even a little fun (just a little) while you are away at school. There are a variety of credit card companies that offering multiple college credit card products targeted for students. If you are interested in these opportunities, you shoul
68: Seven Ways to Save on College Education
Many people graduate from college owing thousands of dollars in student loans. It isn't uncommon for students to graduate owing $30,000 to $40,000. For people that get married shortly after graduation that means starting out with around $80,000 in debt. Thats a lot of debt for a young couple just looking to buy a house and possibly replace their ag
69: Should I Have A Prenuptial Agreement Before We Get Married
Well, that's a good question! Only you can decide whether or not this will work for your particular circumstances.
Robert is engaged to Janet. They're planning on getting married in a few months. Janet has several pieces of property, numerous investment accounts and is worth millions of dollars. She's been dating Robert for almost five years pr
70: Stafford Student Loans
To gain a meaningful education it is wise to choose a university where your interest in classes will be captured. To help the selection process you may want to see what type of student loans you can get. The best one to look at in full detail is that of the Stafford Student Loans program. This program is one of the most popular loans programs that
71: Switching From One Account to Yet Another
Banks have been an invaluable addition to our lives. We can save our money there. We can deposit our valuables at the lockers of our banks. We can start our businesses with loans from banks. We are mostly loyal to the banks that have been serving us without giving us any trouble. Nowadays we are all being able to witness the immense expansion in th
72: The Facts About Repossession And How It Works
When you face repossession of your home or your car, you may need to declare bankruptcy to save them. If creditors have a valid lien or mortgage on either your vehicle or you real estate filing bankruptcy will temporarily stop any repossession process.
If you have already had your car or home repossessed (foreclosed on, in the case of your house
73: The High Price of Gas and the Evil Oil Companies
When people talk to me about their financial problems, there is one thing they always mention to me that they feel is a great stumbling block that has been place in front of them, keeping them from getting down the path to success.
"The price of gas is killing me," they say. "We got to do something about the evil oil companies ripping off the h
74: The Key Document in Your Self Directed IRA
When setting up a Self Directed IRA care must be taken in the documentation. The most important of these documents is the Operating Agreement used in governing your limited liability company.
Limited Liability Companies are required to have an Operating Agreement - the rules by which the limited liability company is governed. Most LLC's that are
75: The Million Dollar Habit
A million dollars is a huge amount of money to throw away, yet every day many people do just that, throwing away the opportunity to be a millionaire in the daily financial decisions we all have to make. Without realizing it, they have a million dollar habit.
"Hang on" I hear you say, "I never had a million dollars to lose - nor have any of my fr
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