Finance articles
Showing page 42 of 44 - There are 1319 Finance articles
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- 2007-11-13 22:16:19 - Introduction to australian superannuation
- Australians, in general, constitute some of the worst savers in the world. Current estimates suggest that, on average, Australians save just 4% of their income. This is less than half of the 11% estimate for Australians in the late 1970s.In the past, pensions from taxpayers were used to provide pensions for senior citizens upon their retirement. However, because of the increased life expect...
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- 2007-11-13 22:16:19 - How to free-up 10% to 15% of your income
- Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind. Wouldn't it be exciting to actually have money left over at the end of the month?I know what you are thinking: "That would be nice, but not if I h...
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- 2007-11-13 22:16:19 - Roth ira contributions - irs rules
- Confused about whether you can contribute to a Roth IRA? Try using these simple rules:IncomeTo contribute to a Roth IRA, you must have compensation (e.g., wages, salary, tips, professional fees, bonuses). Your modified adjusted gross income must be less than:$160,000 - Married Filing Jointly.$10,000 - Married Filing Separately (and you lived with your spouse at any time...
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- 2007-11-13 22:16:19 - How to save money in a grocery store
- Now there are ways to save money in the grocery store, and they may or may not take much effort on your part to learn some great ways to save money. Your greater savings can often be found in the perishable departments of a grocery store. The perishable departments are the bakery, meat, and produce departments. Looking at the grocery ads can also be of great assistance. Also, believe it or not som...
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- 2007-11-13 22:16:19 - Budgeting your way to financial freedom
- Financial freedom cannot be achieved without budgeting. Budgeting involves tracking your sources of income and more importantly tracking your expenses. It is novel tool for controlling your expenses and making you aware of how you spend your money. At the outset, budgeting may seem to be onerous and boring, particularly for those of us who hate numbers. But once you realize the benefits emanating ...
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- 2007-11-13 22:16:19 - The world is not enough - calling for a more ethical approach to personal finance
- At a time when the entire world's attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and the various anti-poverty marches, it seems that everyone wants the world's governments to behave more ethically towards the manner in which international finance is conducted. This is obviously a laudable attitude to ...
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- 2007-11-13 22:16:19 - Bank on it: places to hide and invest money
- Today I passed a thermometer at a bank that read 110 degrees, but I am not telling you that to show you how hot it was. I am telling you that because this bank really needs to fix their thermometer. According to their thermometer, it was also 110 degrees in December. There are a lot of people, places and things that can be more accurate with the weather, and as I've never said (but have always wan...
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- 2007-11-13 22:16:19 - How you feel affects how you shop & how much you spend
- Have you ever stopped to think about how your "mood" affects the way you shop, not to mention the amount you spend? Think about it.If you want to save a lot of money, avoid shopping whenever you are in one of these moods:DEPRESSED, UPSET, or ANGRYIt's very dangerous for your pocketbook to shop when you're either depressed, upset or angry. Why?Many people find tha...
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- 2007-11-13 22:16:19 - Developing a budget? watch out for those budget-bursting gremlins
- If you've developed a household budget to get your spending back in line or to just reduce stress, good for you! Creating and sticking to a budget isn't easy by all means. But it represents the best way by far to manage your finances so you can relax and worry about other things.A budget can also be a very useful tool for ending financial arguments -- assuming that you and your spouse agree...
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- 2007-11-13 22:16:19 - Affording a home
- Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six months before buying the home.Although buying a new home may seem like an American Dream or romantic venture, the reality is that the house you can afford depends on your current income and debt obligations. You must b...
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- 2007-11-13 22:16:19 - Chex systems ? why every american needs to guard his checking account with his life
- Most Americans have been brought up to be concerned about a good personal credit rating, because of the role a positive rating can play in your long term plans; purchasing a home, buying a car, getting a business loan, etc. They have also been made to understand that the premier organizations that pretty much hold the key to their financial futures are Equifax, TransUnion and Expe...
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- 2007-11-13 22:16:19 - Saving money - the magic 20 percent
- Saving money is not easy and is made more difficult if you have a short-term outlook regarding your personal finances. If, like many people, you are living from one pay cheque to the next, it is difficult to put some money aside for a rainy day or for a summer holiday. But what if you were to change your financial outlook into a medium to long-term one? You might believe that you cannot afford to ...
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- 2007-11-13 22:16:19 - What are we teaching our 2005 graduates about money?
- Now that we are in the month of June I can't help but wonder if we have prepared our new graduates for the responsibility of managing and budgeting their money.I had a very interesting conversation with my God-son, a recent graduate from a local Los Angeles high school. He assured me that he is ready to take on the responsibility of purchasing a used car because he was working par-time for ...
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- 2007-11-13 22:16:19 - Learning the basics of handling money
- With prices increasing all the time, saving money can be harder and harder to do. Here are some solutions for saving a little so that you can still meet your needs and still find ways to trim off a little for the future.1. BUDGET ? Get one and stick with it! And set aside at least a small portion for savings while you're at it; savings for your future, your retirement, your education, your ...
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- 2007-11-13 22:16:19 - Budgeting is bothersome
- It doesn't take much for you to get behind on monthly bills, but it sure takes some time to catch up. The comparison in my mind is to weight gain. A one-week vacation can easily pack on 5 to 7 pounds. Losing that weight however, can take a good month of cardio. That's no fun, and neither is trying to find the extra cash to pay last month's credit card payment.Every financial professional's ...
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- 2007-11-13 22:16:19 - The wonderful world of address labels
- Ever wonder where address labels come from? Avery® is perhaps one of the most well-known manufacturers of address labels. Rightly so in some respects. Avery® contributed much to the world of professional labels. Stan Avery, founder of the company started the company in 1935. During that time the company, named Kum-Kleen Products, produced self-adhesive labels ...
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- 2007-11-13 22:16:19 - Improve your professional image using address labels
- One of the simplest ways to improve your professional image is by using address labels. Self-adhesive business labels are THE way to go when it comes to a professional image. Why handwrite addresses when you can get preprinted ones cheaply and easily?Most companies today use some form of preprinted address or return labels. Some companies also prefer using a rubber stamp embossed with their...
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- 2007-11-13 22:16:19 - The joys of address labels
- Address labels are many things to many different people. If you are a huge fan of address labels, you aren't alone. If you are not a fan, you simply haven't yet realized the many benefits address labels carry. Address labels are quite simply a quick and efficient tool for creating a more convenient life.Most people use address labels to simplify mailing, to express their personality and to ...
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- 2007-11-13 22:16:19 - Check facts and figures
- Are you a check fanatic? Don't worry, you aren't alone. Millions of consumers write checks every year. In fact in the United States most consumers use checks to handle payment transactions.Want to convince your friends and family of the benefits of check writing? Consider the following check writing trivia:Deluxe? checks provide international checking supplies. The com...
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- 2007-11-13 22:16:19 - Check fraud and verification
- Before buying personal or business checks you should inform yourself of the best ways to protect yourself from check fraud. Since man has written checks check fraud has existed. Like any fraud, check fraud emerged as crafty con artists discovered they could photocopy checks or alter checks to steal money from innocent victims. Thanks to technological advances and craftier con artists, check fraud ...
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- 2007-11-13 22:16:19 - Planning ahead with your finances
- If you, like most people, have not seriously considered what steps you should take for planning your finances and are now planning on buying a house, getting married or having children, you will do well to read David Chilton's book 'The Wealthy Barber'.It will not matter if you have never heard of a mutual fund or even balanced your checkbook. If dry financial reading is not up your alley, ...
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- 2007-11-13 22:16:19 - Vacations made easy: buying a florida investment property
- Vacations Made Easy: Buying a Florida Investment PropertyA relaxing beach vacation means different things to different families. However, imagine returning from a long day in the sand and waves, hair dripping and tan glowing to a place where you and your family have settled over the years. You know where your favorite beach towels are tucked away and where the soothing aloe gel sits in your...
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- 2007-11-13 22:16:19 - Budgets and eating - can they co-exist?
- Whatever your reason for having a tight budget, the truth is that going to the grocery store without a plan is a BIG budget breaker. And sadly all that cash ends up vanishing into our stomachs and then...well, you know what comes next.But if you only had $300 a month to spend on groceries for a family of four, could you do it? What sort of food would make the list and what would stay taunti...
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- 2007-11-13 22:16:19 - Financial readiness: preparing for brac (base realignment and closing)
- The recommendations for military base closings have been released and the news is not good. If the recommendations are accepted, you will lose your job. So what do you do? Hope for the best, and prepare for the worst.There is a benefit to this situation. Unlike many individuals who suffer the loss of employment, you have advance warning. This is an opportunity to prepare yourself and your f...
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- 2007-11-13 22:16:19 - Understanding your finances can give you power and choice
- What is finance and what do you need to know? Finance can mean different things. It may refer to your personal financial situation. It could refer to your investments or a business's investments. It could refer to a credit or loan purchase.Financing can be involved in your life in different ways. For example, if you are going to invest in a large purchase such as a house or even a car. Larg...
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- 2007-11-13 22:16:19 - Make or break your retirement!
- The Prudential has dubbed those who refuse to leave home as "kippers" or "kids in parents' pockets eroding retirement savings". Recent research concludes 6.8m over-18s live with their parents. Less than half pay rent, and many parents provide cash to spend.Does this scenario sound familiar?'As a parent you've spent over 20 years diligently caring for and raising your children. Financ...
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- 2007-11-13 22:16:19 - Financial fitness - are you exercising the right muscles to become financially fit?
- Are your financial muscles well toned and healthy or flabby and weak? Do you want to change your relationship with money so you can have control over your financial future or do you want to continue to complain that you don't have enough? Exercise these 10 muscles to achieve Financial Fitness.1. Know your current situationPutting your head in the sand will only give you an ache in th...
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- 2007-11-13 22:16:19 - Creating a household budget
- Creating a budget can be a very difficult task. Although we as consumers know that we need to pay our bills, buy our necessities, and put money away for savings, we don't really know how to start.I know from personal experience how hard creating a budget can be. In the beginning stages of my road to financial freedom, I would write all my expenses down on paper and noticed that I had little...
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- 2007-11-13 22:16:19 - Save money on gas
- Gas prices have soared to unimaginable heights of late. Since most of us are not likely to turn to bikes or horse-drawn buggies we will have to learn to get the most from our gas dollars. Try a few of the following tips to make your gas go farther.? Combine trips. With your errand list in hand try to visit as many places as possible in one trip.? Make sure that you tires are properly...
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- 2007-11-13 22:16:19 - 5 steps to healthy spending habits
- Next to our physical health most of us are primarily concerned with our financial health, and with good reason. Although our intentions are usually great our follow-through and discipline generally isn't. Mere mention of the word budget or cutback sends us into fits.Healthy spending habits need not be synonymous with deprivation ? a bad word in our "you deserve it/you've earned it cult...