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Financial Planning: Most Popular Articles

These articles are the most popular over the last month.
How to Check the Status of Your Tax Refund Online
Have you filed your tax return and are now awaiting a refund? The good news is that you don’t have to be left in the dark in regards to the status of your refund. The IRS has a great tool on their website that allows you to instantly check on your refund status.
How to Get Your Tax Questions Answered by...
Are you looking for help with your taxes? Try calling 1-800-829-1040. This is the toll-free number for the IRS tax question line. With this number, you will be put in touch with someone right at the IRS who can assist you with your own personal tax situation if you have any questions.
4 Easy Ways to Contact the IRS
Have questions on your tax return, refund status, or need help? The IRS makes itself quite accessible. You don’t have to fear the IRS. While nobody wants to talk to them about an audit, they are there to help you with your taxes.
Basic Budget Worksheet for Setting Up Your...
Budget worksheet form for setting up your personal budget
The 5 Biggest Mistakes People Make Buying Cars
For most people, a car is a necessity. We often depend on our vehicles to get us to and from work every day, transport children to events, and even for pleasure. Because they are such an important aspect of your life, you want a vehicle that is reliable, comfortable, and maybe even a bit stylish. The vehicle choices are almost endless, so finding the right combination of wants and needs with an affordable price tag can be challenging.
Your 7-Step Guide to Creating 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. Before you begin to create your budget it is important to realize that in order to be successful you have to provide as much detailed information as possible. Ultimately the end result will be able to show where your money is coming from, how much is there and where it is all going.
Where's the Best Place to Keep Your Savings?
A look at savings accounts, money markets, certificates of deposit, and savings bonds, and help in figuring out which is right for you.
Helpful Tips to Budget Your Finances
Budgeting lies at the foundation of every financial plan. It doesn’t matter if you’re living paycheck to paycheck or earning six-figures a year, you need to know where your money is going if you want to have a handle on your finances. Unlike what you might believe, budgeting isn’t all about restricting what you spend money on and cutting out all the fun in your life.
6 Step Checklist To Determine If You're Ready...
Buying a new home is exciting, but be sure to go through this six step checklist to determine if the time is right.
Can't Pay Your Taxes? Here Are Some Options
The realization that you can’t afford to pay your taxes can make you feel uneasy, but don’t worry, there are some actions you can take to remedy the situation.
How to Buy an Engagement Ring on a Tight Budget
When deciding to get engaged, you’ll surely have a lot running through your mind, but putting yourself into debt by buying an overpriced engagement ring shouldn’t be one of them. Some people still go by the old “two month’s salary” standard, but that surely isn’t necessary.
How to Start Investing Without a Lot of Cash
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 investing with very little money up front. Here’s how.
3 Common Retirement Planning Mistakes
When it comes to preparing for retirement, be aware that sometimes strategies that seem like common sense approaches can lead to costly mistakes.
4 Types of Life Insurance: Which One Is Right...
Navigating the life insurance landscape can be tricky. You are sure to encounter a number of different policies and terms such as whole life, term life, cash value, variable life, and much more. How can you make sense of all the different types of policies and know that you’re making the best choice?
Top Ten Financial Tips
Top Ten Financial Tips: Keys to Financial Success
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.
Great Tips for Establishing Good Credit
When you don’t have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don’t have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any?
How to Save Thousands and Shave Years Off Your...
Chances are that if you have a mortgage currently you’re making monthly payments. The typical mortgage is structured so that you make a single payment each month for a total of twelve payments per year. The good thing about this is that it means you pay the same amount at the same time each month so there are no surprises and it’s easy to budget for.
The Hidden Cost of Home Ownership Most Buyers...
Closing costs are funds, in addition to a loan down payment, paid at settlement. Costs vary among states, but cash transactions have fewer costs than financed purchases. Although many of the costs are associated with financing, others are independent of the mortgage loan.
Save Money by Choosing the Correct Tax Form
Taxes are one of the certainties in life, and the IRS doesn’t make filing a tax return the easiest thing in the world. For individuals, there are a number of variants for the same form. You have form 1040, 1040A, and even 1040EZ.
Homeowners: Save Money by Eliminating PMI...
Private mortgage insurance, often referred to as PMI, is insurance that lenders require borrowers to pay for when they get a mortgage and don’t have enough equity in the home.
What's the Ideal Down Payment for a New Home?
In order to receive the best possible interest rates and to avoid private mortgage insurance it is still a wise decision to have a significant down payment, but how can you save tens of thousands of dollars for this purchase?
Warren Buffett And The Economic Pie
Economic growth depends on factors including innovation and more intelligent use of data, as well as the important tailwind of population growth.
Do You Have Too Much Debt?
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?
You Could Be Paying Too Much in Taxes If You're...
When it comes to reducing your tax burden, itemizing deductions may be the way to go. The standard deduction is certainly easier, and might be a better option if you have a simple tax situation or don’t own a home, but if you determine that itemizing is right for you, it could lead to substantial savings.
Financial Planning Basics - 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.
Pros and Cons of a Joint Bank Account for Couples
One of the main advantages of a joint bank account is that there is a smaller chance of encountering financial “surprises” when all money goes into and comes out of one account. Married couples with joint accounts often have an easier time keeping track of their finances because all expenses come out of one account. This makes it harder to miss account activity, such as withdrawals and payments, and easier to balance the checkbook at the end of the month.
Understanding the Alternative Minimum Tax
When it comes to taxes, there is a three-letter abbreviation that is feared, yet it’s still a mystery to most people. AMT stands for the Alternative Minimum Tax, and while it doesn't sound too harmful, if you’ve ever been hit with it you know that it can be quite painful.
How To Find Out If You Have Unclaimed Money or...
Find out if you're one of millions of Americans entitled to receive unclaimed money or property. Page 2.
Be Prepared for Closing Costs When You Buy a Home
Here's what to expect for closing costs when you buy a home, and how to be prepared to identify inflated fees
4 Kinds of Insurance Everyone Should Have
You can find an insurance policy to cover almost anything imaginable but only a handful of policies are actually ones that you need to have. You work hard throughout your life to build wealth and live a happy and comfortable life, so some types of insurance can protect your possessions, income and even provide for a loved one when you are gone.
Why Getting a Tax Refund Anticipation Loan is...
A Refund Anticipation Loan (RAL) is a loan that is offered by many tax preparation companies to people against their income tax return. A tax refund anticipation loan can be approved in a manner of minutes and the money accessible within a day or two
3 Effective Ways to Save Money on a Tight Budget
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.
5 Tips To Avoid A Costly Retirement
Americans are in a dismal state when it comes to retirement. Avoid being another statistic by saving early and following these five practical tips.
Easily Get Out of Debt
High interest rates make it difficult for people to pay down their credit card debt.But you can if you follow a few basic steps and put a plan in place.
What Makes a Good Budget?
What Makes a Good Budget? Top Ten Features of a Successful Budget
Money In Your 60's: Set The Date
Retirement day is upon you. This is the time to start looking at spending, the mortgage balance, and how you are going to produce income.
How to Create a CD Ladder
Creating a CD ladder can be a creative and simple way to take advantage of a traditionally safe investment product. By laddering your CDs, you can maximize your potential earnings and determine the frequency at which you'd like them available.
12 Fees You'll Pay When Buying a Home
When buying a home, most people focus on how much it costs and what interest rate they can get on the loan. While that is certainly very important, the other fees that come with buying a home are often overlooked. Here is a list of the most common fees involved when buying a home.
The Easy Way to Know What to Spend on a New Home
When the time is right to purchase a home, the first question you need to be able to answer is how of a home you can afford.
Ten Tips for Late Starters To Boost Their...
Ten Tips for Late Starters To Boost Their Retirement Savings
Having a Kid Could Pay Off on Tax Day
Did you know that there is a hefty tax credit available to many households who have a dependent child? This may come as a surprise to many new parents, but it’s important to plan for so that you can make the most of your money. After all, the credit is worth up to $1,000 per child.
The Easy Way to Create a Budget
A budget is nothing more than a breakdown and plan of how much money you have coming in and where it goes. Could you imagine a business becoming successful if it didn’t keep track of its income and expenses? The same holds true when it comes to your personal finances. If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one.
How the Rule of 72 Can Increase Your Wealth
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.
Are You Claiming the Right W-4 Tax Exemptions?
If you work for an employer that automatically withholds taxes from each paycheck, then you have the ability to adjust how much is withheld by adjusting the exemptions on IRS Form W-4. This is important to review because many different changes in your life could impact the amount of money you should have withheld.
Is Your Emergency Fund Big Enough?
In life you should expect the unexpected, and this is why you need an emergency fund. 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. Financial emergencies can come in the form of a job loss, significant medical expenses, home or auto repairs or something you’ve never dreamed of.
Generate Multiple Streams of Income For A Happy...
When it comes to generating income, try to create as many tributaries as possible to come together in one new, predictable larger stream.
11 Reasons to Create a Budget Today
Living without a budget is similar to traveling across the country without a roadmap. While both can be accomplished, the result is usually expensive and wasteful.
Everything You Need to Know About Your FICO...
You may have heard that your credit score is important, but what is a FICO score? FICO is short for Fair Isaac and Co. The Fair Isaac Company developed custom software back in the 1980s that helped other companies determine a credit risk based on a number derived from a person’s credit history. This number soon became a standard that was adopted by the three main credit bureaus: Experian, TransUnion, and Equifax. The FICO score ranges between 300 and 850.
Where Your Social Security Taxes Go
If you work, you are probably aware of the Social Security taxes that come out of your paycheck. Since a relatively large portion of your income goes toward this tax, it is important to understand where it actually goes.
Pros and Cons of Investing in Savings Bonds
If you’re tired of the pitiful interest rate on your savings account at the bank, you may want to look into U.S. savings bonds for an equally safe place to keep some of your savings. With most bank accounts, the safety of your money comes from being insured by the Federal Deposit Insurance Corporation, or FDIC. This provides insurance on up to $100,000 per depositor. Unfortunately, while your money may be safe, there is a good chance the interest rate on the account is quite low.
Should You Take a 401(k) Loan?
Many retirement plans such as 401(k)s and 403(b)s allow participants to borrow money from their retirement savings, but there are many things you should consider before tapping into that retirement plan with a loan.
Budget Worksheet for College Students
BUDGET WORKSHEET FOR COLLEGE STUDENTS Click here for a printer-friendly version of the College Budget
Ten Ways To Cut the Cost of Your Homeowner's...
Ten Ways To Cut Your Homeowner's Insurance Premiums
How to contact the IRS by telephone, mail, the...
How to Contact the IRS Telephone Numbers, Internet URLs, Fax Numbers, and Addresses Elsewhere on the
The Ten Times Test: An Exciting New Rule of...
The Ten Times Test is a great new rule of thumb to help you accumulate wealth. Concentrating on what you spend versus what you have saved is key.
The Difference Between APR and APY
Both APR (annual percentage rate) and APY (annual percentage yield) are commonly used to reflect the interest rate paid on something, but what is the difference between the two? Understanding the difference will help you understand exactly how hard your money is working for you.
Pros and Cons of Leasing a 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 considered.
Understanding and Choosing Life Insurance
Understanding and Choosing Life Insurance - What Type of Insurance Is Best For You?
Your Car Payment May Prevent You From...
Your car payment may prevent you from qualifying for a mortgage. Choosing between owning a new car or your own home.
Money In Your 50's: Time To Play Catch Up
Your 50's should be used to build upon your good plans. If you feel that you're behind the curve, now is also the perfect time to play catch up.
Fun Ways for Teens to Make Extra Cash
Some teens want to work right out of the gate, but in many cases you’ll have to coax your teen into making money for themselves.. This can help them become responsible young adults.
Money In Your 30's: Start Everything
If you haven’t already done so, now is the time to start a whole host of tools, programs, and vehicles that will pay dividends later in life.
How to Decide if You Should Co-Sign That Loan
One of the favors that might be asked of you at one point is to co-sign on a loan. Whether your child is asking for help getting his or her first credit card, or whether a friend needs a co-signer for a car loan, you might be asked to help out. Before you co-sign a loan, though, you need to consider the pros and cons associated with taking on this responsibility.
Adjusted Gross Income (AGI)
Adjusted gross income is used in federal tax filings. AGI is your gross income minus applicable deductions.
Top Five Money Mistakes College Students Make
College students face many hard financial decisions. As a young adult they need to figure out how to pay for college, earn some spending money, and still get a good education. This is a tall order for anyone, so it’s no wonder that many college students end up making some costly money mistakes.
The Importance of Your Credit Score
Your credit score and underlying history is one of your most vital parts of your financial life. Your credit score follows you forever and it will play a huge role in many major financial situations throughout your life.
Money In Your 20's: Out From Under Water
It’s time to put together a simple 20's plan- one that should take the shape of an uncomplicated, simple, straight forward plan of attack.
Tweak Your Income Tax Withholding
Tweak Your Income Tax Withholding and Avoid Paying More or Less Than You Owe
What To Do When You Can't Pay Your Income Taxes...
What To Do When You Can't Pay Your Income Taxes Due: The Worst Thing You Can Do Is To Do Nothing
Payday Loans: Beware of These Dangerous Loans
During these turbulent economic times millions of working Americans are facing, payday loans are becoming a popular source of short-term financing. This has been especially true for low-income families. Payday loans are easy to get and don’t require any sort of credit check, but are they really a good idea?
5 Surprising Ways To Stop Living Paycheck-To-Pa...
Change is necessary in order to break free from the vicious paycheck-to-paycheck cycle, but middle steps are just as essential.
What is a 401(k) Plan?
Don’t let the cryptic name of the plan confuse you, these plans are actually fairly easy to understand. A 401(k) is a retirement plan offered by some employers in the United States. The plan received the name from the section of Internal Revenue Code it was named after.
How to Have an Affordable Wedding
According to a recent survey, the average cost of an American wedding is just over $27,000. This can be a significant burden on those who need to foot the bill, but it doesn’t have to be so painful. There are many steps you can take to make sure that you’re getting the most bang for your buck when planning that special day.
Here's What You Should Do With That Income Tax...
If you’re expecting an income tax refund this year, you’ll want to make sure you put that money to good use. While it can feel like you’re receiving a windfall, remember that this is just excess money that you paid the government. This doesn’t mean you can’t have a little fun, but this money can also provide a great boost to your other financial goals.
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 markets or how these financial instruments actually work.
4 Key Elements Of Estate Planning
To ensure that your financial goals and wishes are met at the time of your passing, it is crucial to have your estate planning in good order.
Top 4 Digital Tools for Personal Money Management
Using software to assist in keeping your finances in order is a great way to stay on track. Most financial software will allow you to keep track of income, expenses, and even your investments. Some even have the option to automatically download or connect to your financial institutions via the Internet, which can simply the process even further.
Ways to Improve Your Credit Score
Your credit score is a very important number that lenders use in order to determine whether or not to extend credit to you, and what the interest rate and terms of the credit or loan are.
6 Things To Look For In A Financial Advisor
Selecting the right financial advisor may seem overwhelming. Be sure to ask a number of questions and keep these six items in mind before you sign on the dotted line.
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.
Money In Your 40's: It's A Marathon, Not A Sprint
Keep in mind that getting to your financial goals is a marathon, not a sprint. Build on the good practices you put in place in your 20's and 30's.
Dividing Retirement Plan Assets in a Divorce
Protect your share of your spouse's retirement plan if you're getting a separation or divorce
Balancing Your Checkbook
Balancing Your Checkbook: Four Reasons You Should Do It and Step-by-Step Instructions
Should You Buy Identity Theft Insurance or...
Should You Buy Identity Theft Insurance or Credit Monitoring Services?
Monthly Budget Worksheet for College Students
MONTHLY BUDGET WORKSHEET FOR COLLEGE STUDENTS (Printer friendly version of this worksheet) CATEGORY MONTHLY
Get Unclaimed Money or Property You're Entitled...
Get Unclaimed Money or Property You're Entitled To
What Is The New Wave Of Investment Technology?
Whether you select a traditional advisor, robo-advisor, or digital advisor, technology is working to make investing more convenient and accessible.
9 Ways to Keep Utility Bills Low in Winter
Here we are, noticing our summer tans fading, dark roots growing out from our scalps, and waiting for the first winter snow fall amidst the freezing rain and blowing wind. Winter is rearing its ugly head and so are heating costs. The television and web are full of great ideas on how to save money on energy costs, but more often than not it takes money to save money. For many, spending money on major home improvement projects to make a home more energy efficient just isn’t in the cards this year.
Finding a Lost Pension
t may seem impossible to track down the old pension provider but there is a valuable resource available to the public in the form of the Pension Benefit Guaranty Corporation.
The Psychology of Spending Money
The Real Culprit Behind Your Urge to Splurge
Answers to the 5 Biggest Financial Questions
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.
Setting Financial Goals
Setting Financial Goals - The Second Step in Personal Financial Planning
Quick and Easy Cash?
Quick and easy cash? There's nothing easy about payday loans.
Can You Afford to Have Kids?
Can You Afford to Have Kids? Financial Planning for a New Baby
Pros and Cons of Owning a Home: Are You Ready?
For many people, owning a home brings a sense of pride and freedom that cannot be matched by renting. When you own your own home, you aren’t bound by a landlord’s rules, and your monthly payments are actually building equity. Although buying a home may be the first step you take toward building long-term wealth, it is important to understand the pros and cons of home ownership before taking the plunge.
All About Income Taxes
All About Income Taxes - Your One-Stop Income Tax Guide
Insurance Basics - Why Do I Need Insurance?
You've worked hard to build a solid financial footing for you and your family, so it needs to be protected. Accidents and disasters can and do happen and if you aren’t adequately insured it could leave you in financial ruin. You need insurance to protect your life, your ability to earn income, and to keep a roof over your head.
Marriage and Money - Planning Your New...
Marriage introduces changes in a new couple’s financial situation that will affect all aspects of their life together. Everything from personal financial goals to credit card debt will bring new challenges to the relationship. Understanding how to navigate through these changes can be challenging, but planning ahead can allow you to build a strong financial foundation for your relationship.
5 Tips to Cut Spending Leaks
Sometimes it is the little things that add up. Stopping the little spending leaks in your life may amount to significant savings over time.
How much money do I need to retire?
This question is frequently asked, but rarely has a definitive answer. The problem is that everyone’s needs are different. What you might need in retirement will be completely different than your friends, neighbors, or co-workers. Even though your situation is unique, there are a few ways you can estimate how much money you will need to retire.
Joint Or Separate Checking Accounts?
Should You and Your Spouse Have Joint or Separate Checking Accounts? Tips on How to Decide and How to Make It Work
Don't Let Student Loans Prevent You From...
Don't Let Student Loans Prevent You From Qualifying for a Mortgage - Advice for Students and College Graduates
A Simple Technique for Getting Out of Debt Fast
The debt snowball, made popular by Dave Ramsey, is a method that allows you to reduce debt by tackling the small balances first. Getting out of debt is one of the top financial goals for many people.
Breaking the Minimum Payment Habit on Your...
One of the most costly mistakes you can make with credit cards is getting into the habit of only paying the minimum amount due each month. While the minimum amount may be affordable; it will also cost you more money in the long run.
What Single Parents Should Know About Child...
Everyone is responsible for the child they bring into this world. It doesn’t matter if was planned, unplanned, or even a child through adoption. This child has a right to be raised in a safe environment and provided everything needed which often includes financial support even if one of the parents are not around.
What Is Your Rich Ratio?
The Rich Ratio is very easy to understand. It's simply the amount of money that you have in relation to the amount of money that you need.
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.
Is Refinancing Your Mortgage Really a Good...
If you have a fixed-rate mortgage and mortgage rates are falling, it only makes sense to consider trying to refinance at a lower rate. But as with most things in finance, it isn’t always a simple answer. Refinancing can certainly make sense, but it also costs money to refinance a mortgage. Depending on your specific situation, a refinance may actually end up costing you more money instead of saving money.
Retirement Planning 101
For most of us the quality of our retirement will depend on how much money we saved. While you may have some retirement income in the form of Social Security or a pension, more often than not it isn't enough. That means it's up to you to plan for and put some money aside for retirement. Here's what you need to know to get your retirement on track.
Financial Advice for Your 20s
Financial Advice for Your Twenties or if You're Just Starting a Financial Plan, Regardless of Your Age
Budgeting
Budgeting - The First Step to Financial Success
How to Get Your Free Credit Reports
In 2004, an amendment to the Fair Credit Reporting Act was made that states that you can obtain a free copy of your credit report from each of the three main credit reporting bureaus once every 12 months. Your credit report contains the following information:
Consumer Credit Counseling Services
Many people worried about overdue bills and debt collectors can seek out these nonprofit agencies to help you find a workable solution to financial problems.
Maximize Your Employment Benefits
Maximize Your Employment Benefits: Flexible Spending Accounts
Types of Insurance Policies You Don't Need
There are some types of insurance that you absolutely should have but there are just as many that you are probably better off without. Some of these policies may sound like a good idea when in reality all you are doing is wasting money on the premiums.
College Students and Money
College living is an exciting and challenging undertaking for most students. Moving away from mom and dad, living on your own and making decisions for yourself and having to manage your own finances are just a few of the roadblocks you will be facing.
Are You Ready to Buy a Car?
Five critical things you need to do before you will be ready to buy a car
6 Tips for Coping with Financial Emergency
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. The bills still need to be paid, the utilities need to stay on, and you need to put food on the table, so how should you cope with a financial crisis?
How the Convenience of Credit Cards Costs You...
Credit card offers are hard to resist. It would be tough for most people to pass up an offer for a 56 inch plasma television worth $2500 for only $50 a month on a credit card. Even though many individuals can afford a $50 monthly payment, they may not realize that they will end up paying more in interest than for the original cost of the television.
How to Prepare for Falling Interest Rates
Interest rates play an important role in not only the economy, but your personal finances as well. The Federal Reserve regularly monitors economic conditions and has the ability to raise or lower key interest rates that trickle down and affect everything right down to your savings account. As rates begin to fall, what does this mean for you, and how can you plan for lower rates?
Couples and Money
Couples and Money: How to Talk the Talk
3 Traits for Budgeting Success
Most people fail not in creating a budget but maintaining one. Three traits you must have: a positive attitude, motivation, realistic expectations.
3 Terrible Ways to Pay Off Your Debt
Getting out of debt is a major financial goal for many people. While it’s important to reduce your debt load and try to begin creating wealth it’s also important that you take the right steps toward repaying your debt. In fact, there are a few common methods people use to help them get out of debt that can end up doing even more harm than good. Here are a few things you may want to think twice about in your quest to become debt free.
Guilt-free Budgeting: No Blame, No Shame
How to Achieve Guilt-free Budgeting and Take Control of Your Finances
Your Monthly Credit Card Minimum Payments May...
Your Monthly Credit Card Minimum Payments May Double
How to Find the Financial Advisor That's Right...
With a little knowledge and willingness to create and follow a financial plan, most people can adequately manage their own finances. Even so, there are many instances where you just don’t have the time or have a complicated situation that may need the assistance of a finance professional.
10 Tips To Protect Your Online Privacy
As investing technology changes, more of our personal financial information will be stored digitally. Take precautions to protect your online privacy.
Why You Need an Automatic Savings Plan
Do you have a savings account yet find it difficult to find money to deposit into it? This isn’t an uncommon problem and most people find it hard to save.
Money Tips for Singles - Saving Money When...
Being single presents some unique financial planning challenges. Whether you’re single by choice, or as a result of a recent breakup or divorce, there are a few things you need to keep in mind when managing money just for yourself. Since you’re the only one earning income and still have bills to pay, you need to be sure that you’re making the most of what you have since you don’t have someone else to fall back on.
How to Take Advantage of Lower Mortgage and...
How to Take Advantage of Lower Mortgage Interest Rates
Financial Issues of Divorce
Financial Issues of Divorce: Dividing Property and Debt, Child Support, Alimony, Taxes, Retirement Funds, and More. Protect yourself financially.
An Introduction to Saving Money
The ability to save money is the cornerstone of building wealth. In order to save money, you need to spend less than you earn. This is often easier said than done, but there are plenty of ways to help you begin saving money on even the tightest budget.
Top Ten Money Tips for Women
Top Ten Money Tips for Women. Financial Planning.
Top 3 Personal Finance Magazines
Top Personal Finance Magazines for the average person
How To Get a Pay Raise
Important advice on how to get a pay raise
Types of Individual Health Insurance Policies -...
If you are self-employed, or otherwise find yourself in a situation where you need to obtain your own health insurance coverage, the choices available to you can be confusing. You'll be sifting through terms like HMO, PPO, premiums, co-pay and deductibles, which can be intimidating if you don't know what you're looking at.
Should Teens Have Credit Cards?
Should Teens Have Credit Cards? Financial Planning.
IRA Tips for Tax Time
2007 may be gone, but it isn’t too late to make 2007 IRA contributions. Unlike most tax tips that require action to be taken before December 31st, IRAs have an added benefit of being able to make prior year contributions up until April 15th. This is good news if you want to take advantage of the many tax benefits that these accounts provide.
What is a Traditional IRA and Who Should Have...
A traditional IRA (individual retirement account) is an account that is used to save pre-tax dollars for use in retirement.
5 Ways Everyone Wastes Money (and How to Stop!)
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.
Examine the Roots of Overspending
To build wealth and reach financial independence, you simply need to spend less than you earn. It is an easy concept to understand, but why is it so difficult? To answer this question, you need to examine the roots of overspending. When you know what factors drive your spending, you can fight back and save money so that you can spend less than you earn.
How To Become a Millionaire
How To Become a Millionaire - Becoming a millionaire is not out of reach for many Americans
Wedding Budget Worksheet
Click here for a printer-friendly version WEDDING BUDGET WORKSHEET Item Budgeted Cost Actual Cost PRINTING:
Money Guide for Married Couples
Money Guide for Married Couples. Financial Planning. Page 2.
How Much Should I Save for My Child’s...
How much money you are saving is less important than how soon you begin saving. Compound interest is a wonderful thing and the longer your money has to grow, the more it will grow.
Get Started in Investing
How to Get Started in Investing With Small Amounts of Money
Should Teens and College Students Have Credit...
If you want your child to have good spending habits and resist the temptation that can come with having a credit card, it’s up to you to educate them.
Home Equity Loans
Home Equity Loans: Look Before You Leap. Things to Consider Before Taking Out a Home Equity Loan
A Balanced Approach To Spending And Saving
One key to retiring happily is to have a balanced approach to spending and saving. This taxes, savings, life approach will help you get there.

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