1. Money

Personal Finance

Personal finance covers a wide array of topics such as banking, investing, saving, spending, insurance and more. Here you will find the most important and basic information regarding all personal finance topics.

How to Spring Clean Your Finances for 2013
There are several common sense approaches you can take to offset the extra cash you must dole out to survive. One of the best ways to do this is to "spring clean" your finances.

How to Sell Your Stuff to Get Out of Debt
Although the down economy may have inspired you to reduce spending and start saving, the average American still carries more than $7,000 in credit card debt, according to CreditCards.com. With the average current interest rate on credit cards at more than 14%, that's almost $1,000 in unnecessary interest payments you could be doling out each year. Now is the time to get out of debt by selling your stuff.

Protect What You Have
You've worked hard to build wealth and put your finances in order, so don't leave your financial security to chance. Saving, investing, and planning for the future won't mean much if it's all taken away due to an unforeseen emergency. Make sure you have protection where it's needed while not paying more than you have to.

5 Common Money Leaks and What You Can Do to Eliminate Them
A big drain on your finances is bad money management. When it comes to monthly expenses, it can be difficult to identify financial leaks, but just like those tiny drops of water, pennies at a time can add up to an ocean of lost cash. So, pull on your plumber's overalls and put these five tips in your tool kit.

Setting Financial Goals That Work For You
The first thing you need to do as you begin setting financial goals is to figure out what is important to you. Think about your priorities. What do you want to accomplish with your money?

Should You Lease or Buy Your Next Car?
Have you ever been in the market for a new vehicle and wondered whether you should buy or lease? In recent years leasing a vehicle has become very popular and carries some definite advantages depending on certain individual preferences, but before deciding whether to lease or purchase a vehicle there are a number of important factors to be...

How to Calculate Your Debt to Income Ratio
Two major components of tracking how you’re doing financially can be broken down into your income and debt levels. ¬Obviously, you’d like to have more income coming in than debt payments going out, but even if you are making more money than you owe, how can you tell if that’s good enough?

How to Deal With a Financial Emergency – Coping With a Financial Crisis
Have you just been blindsided by an unexpected financial emergency and don’t know what to do? Whether it’s a job loss, medical expenses, or an emergency home repair, an unexpected change in your financial situation can be incredibly stressful.

Putting Your Investment Performance in Perspective
Don't let short-term market performance derail your long-term goals.

Financial Planning Basics
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.

5 Tips to Maintain Financial Momentum This Summer
When something is going well, you want to keep it going, right? So if you’ve started to seriously tackle you debt problem or started to funnel more money into your savings or retirement accounts you obviously want it to continue. But things can change in the summer.

Investment Considerations in a Bear Market
Regular market fluctuations are common and expected, but extended periods of decline can strike fear in even seasoned investors. These bear markets can last months or even years. So, what should you do when faced with a bear market?

Using the Rule of 72 to Estimate Investment Returns
Compound interest is an amazing thing, and the Rule of 72 is a simple way to quickly estimate how long it will take your investment to double.

Strategies to Weather a Bear Market
Bear markets present a challenge to even the savviest investors. It is during these declining markets your patience will be tested.

Personal Finance 101
Personal finance covers a wide variety of money topics including budgeting, expenses, debt, saving, retirement and insurance among others. Understanding how each of these topics work together and affect each other is important for laying the groundwork for a solid financial foundation for you and your family.

10 Tips to Help Prevent Identity Theft
Because it is becoming easier for thieves to obtain the information needed to steal and damage your identity, it is important to take a proactive approach and protect yourself.

Getting Your Financial House in Order
One of the easiest things you can do to help keep your financial house in order is to get organized. Having your financial information stored and processed in a systematic manner will go a long way in helping maintain your finances.

What Was Your Biggest Financial Mistake in 2009?
2009 was a year to remember in the world of finance. The economy was in the midst of a deep recession, unemployment reached new highs, over 100 banks were taken over by FDIC, real estate values continued to plummet, and the stock market has been a wild ride. All of this has uncovered many mistakes people have made with their finances.

Investing 101: What Are Bonds?
Most investors are familiar with the two primary types of investments: stocks and bonds. Stocks are easy to understand because we hear about the stock market on a daily basis. The news constantly reminds us about whether the stock market is going up, down, and what companies are doing the best and worst. What about bonds? Most of us have bonds in our portfolios, but we hear very little about bond…

Tax-Equivalent Yield – Understanding Your Real Rate of Return
Some bonds are tax-exempt, so understanding the tax-equivalent yield can help you determine your real rate of return.

Financial Rules of Thumb
Everyone has a unique situation, and there are no concrete financial numbers that define success, but there are some rules of thumb that can help you gauge your progress.

Choosing a Financial Planner
Finding the right financial planner doesn't have to be difficult.

Bank Draft
A bank draft is a form of check that is issued and guaranteed by the bank.

How to Calculate Your Net Worth
Your net worth can be a useful tool to measure your financial progress from year to year. Your net worth is essentially a grand total of all your assets minus your liabilities.

How to Create a Budget
Creating a budget may not sound like the most exciting thing in the world to do but it is vital in keeping your financial house in order.

Why You Need an Emergency Fund
In life you should expect the unexpected. The best you can do is to prepare for emergencies that require access to additional money and having an emergency fund is the ideal solution.

David Fisher
David Fisher - Bio of David Fisher

How to Start Investing With Small Amounts of Money
Is trying to come up with hundreds or even thousands of dollars keeping you from opening an investment account? It shouldn’t. In the past it was almost a requirement to have quite a bit of money available in order to make your initial investment in a mutual fund or open a brokerage account. Today, things are quite different. You can now start...

The Secret to Saving Money
Would you be interested if I told you there’s a secret to saving money? Well, it’s true. There are a few secrets that can be used to save money, even if it doesn’t feel like you have any money to save. The bad news is that these secrets have been made public for decades and it’s simply up to you to decide whether or not to use them.

Mutual Fund Distributions Explained
Distributions from a mutual fund are earnings from the fund's operation. Unlike individual company who can chose either to retain the profit, or return it to shareholders in the form of dividend or through share buyback, a mutual fund is required by law to be passed on profits to investors.

American Depository Receipt (ADR)
Certificates issued by a U.S. depository bank, representing foreign shares held by the bank, usually by a branch or correspondent in the country of issue. One ADR may represent a portion of a foreign share, one share or a bundle of shares of a foreign corporation.

Dividend Reinvestment Plan (DRIP)
An investment plan offered by some corporations enabling shareholders to automatically reinvest cash dividends and capital gains distributions.

Shopping Safely Online
Online shopping is just a way of life these days. Most people don’t even think twice about using their credit cards to make a transaction with some online entity, but that complacency could be costly if you aren’t careful. Shopping online can be a perfectly safe experience, but there are a few things to keep in mind when doing it.

4 Unique Ways to Save Money for Your Next Car
Sometimes it takes drastic measures to save a few bucks. But the better the reason to save, the more sense it makes. When it comes to saving for your next big purchase, such as a car, it makes a ton of sense to do whatever it takes. After all, every extra dollar you put toward the down payment means one less dollar (and a lot less interest) you have to pay back later.

6 Reasons to Get Out of Credit Card Debt Right Now

Organizing your finances may seem dull, but it's the best way to determine whether you're following a sound budget to meet your financial goals.

What Will July 4th Cost You?
What will July 4th cost you this year? Gasoline and meat prices are hefty in 2014, but celebrating our nation's independence is priceless.

What Generation Do You Belong To?

5 Steps To Harness The Power Of Compounding

Is It Risky To Invest In Annuities?
Annuities may promise you a stream of steady income in retirement, but it imperative to know the risk factors before investing in these products.

Should You Plan An All-Inclusive Vacation?
It's summer and time to plan a hard-earned vacation. You don't want to break the bank but deserve a great trip. Should you go all-inclusive?

Should You Do A Summer Internship? Yes! 5 Tips For Success
A summer internship is an invaluable way to gain experience and make new contacts. Read on for 5 tips for success.

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