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Personal Finance Articles
NEW! Are you Drowning in Debt? - by Ellise Walsh - It is no secret that most people have too much consumer debt. It is all too easy to just sign your name on the dotted line and run that credit card up to the max. Unfortunately, many users of credit cards seem to forget that eventually the bill comes due, and they may be in for a rude surprise when it does. (397 words) View full article...
NEW! How to Raise Your Credit Score - by Ellise Walsh - The value of diligently tracking your credit score is often underestimated. Failure to
know what is on your credit rating can keep you from qualifying for loans and in far too
many cases will cause you to pay higher interest rates. (699 words) View full article...
NEW! Life Annuities - by Ellise Walsh - As any worker knows, it can often be difficult to save for retirement, college costs,
buying a home, or other major financial goals. It is often a struggle just to pay the
bills every month, and finding extra money with which to invest can be a real struggle for
most people. (468 words) View full article...
8 point Checklist, Evaluating Online Lenders - by Tom Levine - 8 things to consider, when evaluating lenders online: Website Design, Privacy Policy, About Us, Popularity, Reputation, Short Form, Points, Fees, Terms and Rates, Communication.
(1171 words) View full article...
Borrowing Money: Understanding How The Numbers Work - by David Berky - This true story illustrates why you must understand how the loan numbers work when borrowing money - or you could get ripped-off. (784 words) View full article...
Cash Advance Loans: Loan Sharks In Disguise? - by David Berky - Quick payday or paycheck loans and title loan shops are appearing everywhere. Are they legitimate financial services or semi-legit loan sharks? (645 words) View full article...
Convenience Fee Rip-Offs - by David Berky - It sounds appropriate, the business or organization goes out of it's way to provide you a new or extended service that saves you time and money and you pay a small fee for this added service. But most of the time this "convenience fee" is applied to something that is actually saving the business or organization thousands, tens of thousands, even millions of dollars a year. Not only are they cutting costs but they are increasing revenue by socking you with another fee for a service you already pay for through your regular payments or fees. (718 words) View full article...
Create your own Anti-Emergency Fund™ - by Cindy S. Morus - Do unexpected car repairs, quarterly insurance payments or those darned property taxes find you hard pressed to squeeze one more dollar out of an already stretched monthly budget? Or do you usually end up reaching for the plastic in your wallet to make up the difference? Those inevitable expenses can put less stress on your bank balance -- and your mind -- if you learn to expect them and save in advance. (725 words) View full article...
Dealing With The Dealership - Tips On Purchasing A Car - by Jeff Breitner - There's two key words to getting a fair deal on any vehicle purchase at a dealership and they both sound identical -- KNOW and NO. Learn what you neet do KNOW and when to say NO. (1131 words) View full article...
Debt Reduction Companies - What to Watch Out For - by David Berky - Question: I have recently heard of agency out there that will reduce your debt by 70%, just by them somehow talking to them [your creditors]? Do you know anything about this method? Is it legit? I have even heard it on my local radio station and they talk like it is totally legit. (711 words) View full article...
Financial New Year's Resolutions - by Chemain Evans - The arrival of a new year always begs the question: "Am I in a better financial position than I was last year?" These Financial New Year's Resolutions can help you improve your financial position. (826 words) View full article...
How Much Credit can you Afford? - by Cindy S. Morus - Before making the decision to add more debt, you need to make sure that you...
(241 words) View full article...
How Much Will You Make? - by Scott L. Overstreet - Even though you may not realize it, you could earn a fortune during your lifetime from earned income alone. So the question is, "What will you do with all the money you will earn in your lifetime"? You really will earn a fortune. (645 words) View full article...
How Much Will You Make? Part 2 - by Scott L. Overstreet - The question that you must ask yourself is "What have I done to prepare for financial success?" Have I done anything? When will I begin a Family Financial Plan? (626 words) View full article...
How to Find a Good Realtor - by Lyle Evans - Real estate is a huge market with many agents signing up regularly. Picking the right agent or deciding if you should use a realtor at all are decisions that can affect your bottom line. Things to consider before signing up with a realtor? (658 words) View full article...
Identity Theft: How to Protect Yourself - by Chemain Evans - Identity theft is one of the fasting growing crimes in America. What can you do to protect yourself from becoming a victim of identity theft? First start by reviewing these 10 tips. (1038 words) View full article...
Learn How to Bank Like a Banker - by Kimberly Griffiths - The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible. (496 words) View full article...
Money - The Ultimate Team Sport - by Chemain Evans - A team makes all the difference between winning and losing. The losers of this world are those people who take it upon themselves to do everything single-handedly. These are the do-it-yourself-at-all-costs folks. They believe that nobody can do things as well as they can. Winners, however, understand the importance of synergy (1+1 = more than 2). Winners assemble a team. (862 words) View full article...
New Year's Resolutions to Stretch the Bottom Line - by Lyle Evans - In this article, we talk about some financial resolutions which might be common to many of us: 1) Paying for Christmas or other holiday expenditures without having to charge more on the credit card; 2) Working to build a long-term sound financial future; 3) Finding ways to stretch your hard-earned dollar. (1064 words) View full article...
One of the Wisest Investments You'll Ever Make - by Lyle Evans - Teaching your children about finance and financial matters can be one of the wisest investments you'll ever make. (902 words) View full article...
Personal Finance 101 - by David Berky - A general overview of the broad subject of personal finance broken down into four areas; security, stability, growth and protection & management. (2073 words) View full article...
Planning Your Future and Staying Bankruptcy Free - by Lyle Evans - Bankruptcy's effects can last for years, including difficulty finding a job, getting insurance, renting an apartment, buying a home and financing a car. Bankruptcy can stay on your credit record for up to 10 years. Learn about ways you can avoid bankruptcy.
(726 words) View full article...
Recovering from Identity Theft - by Lyle Evans - Identity theft is on the rise in America. Unfortunately many innocent people get hurt because of the fraudulent activities of others. Restoring your good name and credit can take much longer to repair than it took to be destroy. We will discuss some of the simple things you can do to get your identity on the road to recovery and simple things you can do to keep it there. (771 words) View full article...
Taxes, Taxes, Taxes: Who Really Pays The Most? - by David Berky - Income tax, property tax, sales tax, dividend tax, corporate tax, and all those "fees" which are really another name for taxes. So who pays all these taxes? (1022 words) View full article...
Teaching Children About Money : Your Kids vs. Your Wallet - by Chemain Evans - How to teach your children about money. How many times have you wondered whether your children think money does indeed grow on trees? If you examine your spending habits, you may realize that you have not given them any reason believe that you don't have a money tree. (1116 & 669 words) View full article...
Ten Great Ways To Keep Your Sales Soaring - by Scott F. Geld - 10 ways to keep your sales rolling in and keep your profits up. (235 words) View full article...
The Three Largest Factors In Your Interest Rate - by David E. Brumbaugh - There are three major factors that affect how much you pay for a loan. Understanding these factors can save you time, money and frustration. (464 words) View full article...
The Top 10 Financial Questions to Consider When Getting Married - by Chemain Evans - So, you've found that special someone to share your life with. Congratulations! Your marriage is certain to succeed, despite the fact that over 50% of marriages fail, right? After all, you love each other and are committed to each other. But just how much do you know about your future spouse's financial situation? Since almost 90% of divorces have at their roots financial problems, quarrels, and accusations, it's pretty likely that most of these couples headed into marriage without a complete financial picture of their relationship. Here are 10 questions for you to talk over with your intended spouse so that you can both on the same financial page. (899 words) View full article...
The Tortoise and the Hare-The Modern Version - by Chemain Evans - No doubt you are familiar with Aesop's fable The Tortoise and the Hare. Well, I've got news for you. The American Dream has rewritten Aesop's fable and in the modern version, both the Tortoise and the Hare can win. Both can achieve financial freedom using different approaches, and achieving them at different times. (740 words) View full article...
Top 10 Ways to Avoid Loan Fraud - by David E. Brumbaugh - Every year, misinformed homebuyers, often first-time purchasers or seniors, become victims of predatory lending or loan fraud. Below you'll find the top ten ways to avoid becoming a victim yourself. (240 words) View full article...
Why Do We Always Fight About Money? - by David Berky - Two of the keys to financial success, especially in a couple's relationship, are knowledge and communication. This article focuses on the aspect of communication. (861 words) View full article...
Why Is It So Hard To Talk About Money? - by David Berky - Why does it seem as if the topic of finances is taboo. People are perfectly willing to sit and listen to a lecture, but when it comes to discussing the topic between themselves, most people are hesitant and almost shy with each other. (844 words) View full article...
Your Time or Your Money? - by Chemain Evans - If you were to ask people on the street which they valued more: their time or their money, the most frequent response you would probably get is "My money!" After all, money seems to be what we're constantly in pursuit of. It's at the root of almost everything we do, and even a good share of the decisions we make are money-based. We work and/or invest to earn money; we comparison shop to save money; we earn more money so we can spend more money. (1119 words) View full article...
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