Very often, people ask me to provide them with one piece of advice that could help them to be more successful with their money.Over the years I have learnt that there isnt just one method to effectively manage your finances, create wealth, or preserve your money for the future. In fact, there are several steps which, when combined, can put you on a solid financial footing.Here are eight guidelines that can help you successfully traverse the road...more
4 Things to Know Before You Purchase a Down Comforter Set Most people look forward to getting into a cozy and lavish bed at night. Looking at opportunities to enhance the feeling in your bedroom is a good way to improve your sleep, which is crucial to your overall quality of life. With the availability of good quality down comforter sets to complete your bedroom decor, you can be assured of a well-rested night that will have you feeling...more
A lot of people are bad with numbers, and feel that learning how to properly manage their personal finances is so difficult that it might as well be impossible. If you find yourself in a scary financial situation, this is the perfect article for you. You can discover the best ways to manage your personal finances and protect yourself from bankruptcy and financial ruin.When grocery shopping, break your addiction to brand names. Most grocery stores offer generic or store brands that you should try. Often, the store brand is as good or better than the brand name. As you discover the good ones that you like, stock up the next time you go to that store.It is important to have an honest budget. Tracking your expenditures is extremely wise, therefore, a budget is key. However, many people do not tell themselves the truth about how much they are spending. Look at your checking account and build your budget off spending that is verifiable, not guesswork.If you frequently travel, you may want to travel in the off-season. Both hotels and airlines are usually cheaper when you by during the off-season. Typically, the off-season occurs in winter months, though this may not be the case if you are...more
Knowing when to withdraw from a 401K account is extremely important knowledge for your retirement plan. The real short answer to this question is not until you reach retirement age, which is 59 years and 6 months of age, however, there is really more that you should know than that. First of all, you can start to take payments when you reach...more
It might seem inevitable that you will leave University with a gapping great whole where your bank balance used to be. But it doesnt have to be that way.Whilst thinking about how to not spend your money - as opposed to what fun you can have spending it - might not seem particularly appealing, once you realise how much more money you could have it...more
Fire Season Approaches For 2009 Why Arent San Diegos 2007 Fire Survivors Back in Their Homes Yet?By Mark ShapiroThe October 2007 Wildfires are two years in the past but many of the affected fire victims have not yet been able to rebuild their lives and their homes. Out of the more than 1,700 San Diego City and County homes that were lost in 2007, only about 55% of the homeowners have obtained building permits and started their rebuild process. Many of those have not yet finished. What is Taking So Long?Under insurance is one of the most common reasons why homeowners were not able to quickly rebuild their homes. According to Amy Bach, Executive Director, United Policyholders, After the 2007 wildfire in San Diego County, 75% of the victims found themselves underinsured by an average of $250,000.United PolicyHolders recommends that you do not take your agent/insurers word for it that you are fully covered without confirming and preserving their promises in writing. Ask your agent or insurance company for confirmation that youre adequately insured for a total loss.Another reason that many have not been able to rebuild is because the insurance companies lowballed the estimated amount...more
Are you deeply in debt? All of your efforts to reach agreement with the creditors were unsuccessful. Your debt appeared to be too big of a deal. Don't be discouraged, you haven't tried other debt solutions possible in Canada yet.Have you considered...more
A lot of people are bad with numbers, and feel that learning how to properly manage their personal finances is so difficult that it might as well be impossible. If you find yourself in a scary financial situation, this is the perfect article for you....more
Many people don't know how to manage their finances. Are you feeling like you do not know how to manage finances? Well you sure can now. Since you have found this article, you will be reading helpful tips for improving your finances. Keep reading...more
The state of the economy is forcing many families to take a long, hard, look at their wallets. Focusing on spending and saving may feel frustrating, but taking good care of your personal finances will only benefit you in the long run. Here are some...more
Learning to intelligently manage your personal finances can mean the difference between being financial healthy and secure, and ending up bankrupt or severely in debt. It is not easy to learn to manage your finances in the right manner, but it is...more
Getting your personal finances in order is what will keep you from being obligated to others. Controlling your spending and living below your means will allow you to save money for the days that you can no longer work anymore. This article has good...more