Archives for October 2012

How to Avoid Short-Term Loans in Retirement

Short term lending is an expensive way to borrow money. The APR interest rates charged by payday loan companies can be staggeringly high, which is why it is best to avoid this type of credit if you possibly can. However the financial pressures of retirement sometimes means that turning to short term credit is the only way to cover all the monthly bills, especially if you get a one off,  … [Read more...]

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How to Save Money at Home by Being Green

There are several methods used to save money at home by being green. The best strategies include the use of energy efficient products and materials. Some methods for saving energy require that you invest in products that could be initially expensive. The strategies listed on this page are geared towards approaches that are free or inexpensive, easy to implement, and will save you money on your … [Read more...]

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How To Open A Solo 401K Plan

As an entrepreneur with your own business or a person who is self employed as a freelance employee, you reap all sorts of rewards. First, you can have the reward of simply setting your own schedule, answering to your own needs, and being flexible when situations arise that require your attention. Also, you have the benefit of making the amount of money that you need to fit your budget. You are … [Read more...]

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Why You Should Steer Clear Of Payday Advances

We all know just how difficult it can be to live when you don't have the necessary funds. However, these loans should be used judiciously and only after all other options have been explored. The best way to do this is to get an instant payday loan. Cash advances get you the money you want to borrow fast. Continue reading to learn more information about cash advance loans. If you have non-liquid … [Read more...]

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Why I Wouldn’t Put My Nest-Egg In Stocks

There are just too many unknowns and risk factors that are keeping me from putting all my nest-egg in stocks. Right now, most of my holdings are in cash. But even the US dollar won't be sustainable in the long run. Here are just a few reasons I don't really see a light at the end of this economic tunnel. Euro-Zone Crisis Greece started it, but it has spread to countries like Italy, Spain … [Read more...]

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Getting a Car Loan with Bad Credit

More and more people, because of the global economic crisis, are having to face the reality that their credit is now far less than perfect. Even people who had good credit score not long ago are looking at a much lower score than they ever would have thought possible, which can mean they are unable to secure regular loans for homes and vehicles. If you are looking at your credit score, and … [Read more...]

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Tips for Reducing Your 2012 Taxable Income

April 15 may be months away, but now is the right time to start thinking about how to pay as little as possible come tax day. You probably know that the money you pay the IRS in 2013 covers only that money you earned (or lost) in 2012. The lower your 2012 earnings, the less you will have to pay and you may even qualify for a refund. Obviously you do not want to go to your boss and ask her to … [Read more...]

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Turning the Tide Against Loan Sharks

The aftermath of bankruptcy or bad borrowing practices is sure to put your credit rating in the gutter. The scarlet number that is a bad credit score will keep you from being approved for lease agreements, car loans, and even cell phone contracts. It's a bad position to be in if you expect to live a comfortable life. Indeed, bad borrowing practices and poor financial decisions have their … [Read more...]

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How to Fact-Check Your Spending

In an election year, fact-checking is hugely important, not just because candidates can lie, but also because the lies are often believable and can cause great harm. However, the same scrutiny that we give others, we often fail to use on ourselves – particularly with our own money habits. Budgeting is a tool to fact-check your money habits and helps you to view your future prosperity goals in the … [Read more...]

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Budgeting with YNAB: A New Approach to Your Personal Finances

Humans have had to manage their personal resources throughout our illustrious history. For tens of thousands of years, we managed our "expenses" old school style, via hunting and gathering. Today modern man manages resources measured in dollars via everyone's favorite activity... Budgeting. Since the invention of budgeting, every homosapien has been searching for the secret pill which will make … [Read more...]

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Three Common Stock Trading Strategies

When I first started looking into trading in the stock market, I found 3 basic overarching strategies that most people use.  Interestingly enough, these 3 common approaches are very different and require vastly different skill sets and circumstances. I do need to make a disclaimer. Stock market trading is a very risky activity. You can lose most or all of your initial investment. Here are … [Read more...]

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Consolidation is the Key to Coping with Credit Card Debt

Coping with credit card debt is not as difficult as you might think. If there is any consolation, you're not alone with this situation. At some point, many people like you will face a financial disaster involving credit card debt.  It’s just how you manage it that marks you out from the crowd. More and more people are now in the uncomfortable position of not being able to afford the minimum … [Read more...]

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