Personal Finance Articles

1). Poor People: Why do you Give to Help Them? By : Michael A. Verdicchio
This article may upset some people. Money can be a touchy subject. And when you combine the subject of money with religious feelings, there can be conflict. I saw a commercial on television that really bothered me and I wondered why it was so disturbing to me. Perhaps you’ve seen it, or similar commercials, or even heard a message like that from a pulpit.
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2). Forecasting the Future Value of Your 401(k) By : Stephen L. Nelson, CPA
If you’ve got Microsoft Excel (or just about any other popular spreadsheet program) running on your computer, you can use its FV function to forecast the future value of your 401(k) account. The FV function calculates the future value of an investment given its interest rate, the number of payments, the payment, the present value of the investment, and, optionally, the type-of-annuity switch.
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3). Why Money Does Not Really Make Your World Go Round By : James Monahan

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4). The Importance Of Saving Money For The Future By : blueboy
Money in my opinion is not the most important thing in life, but it is nice to know that you have a certain amount of money, saved or invested, which you can use if needed. I actually think that health and happiness are the two most important things in life. Having this pool of money helps to keep me healthy and happy, as it means that I do not have to stress as much about the future.
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5). Commercial Surety Bonds: Getting The Best Rate (Part 1 of 2) By : Michael Weisbrot
There is a great range in rates for commercial surety bonds these days. Principals can see premiums range from 1-15% of the amount of the bond. Even a small bond at 15% can be extremely costly. In part 1 of 2 of this article, we will review what bonding companies look at when deciding a rate. Part 2 of this article will discuss what you can do to better your situation to make sure you are at the bonding companies lowest tier rating.
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6). Space-Saving Appliance Saves Homeowners Money By : Rick Young
Wall-hung boilers are here to stay in North America. Used in Europe for more than 35 years, North Americans are increasingly embracing the space-saving appliances for their ability to cut home heating and hot water bills in half. Many wall-hung boilers, such as the Baxi Luna, are environmentally friendly and so quiet that they can be installed in the bedroom.
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7). What Makes a Credit Score Rise or Fall? By : Nathan Dawson
OUR financial decisions can affect your credit score in surprising ways. Two credit-scoring simulators can help consumers understand the potential impact.
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8). How To Get Personal Loans For People With Bad Credit By : Susan Dean
Personal loans for people with bad credit are available. There are a number of opportunities for those who are looking for money that do not have the highest scores out there.
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9). Living Cheap By : Steve Gillman
Does living cheap mean being miserable, or giving up what you want? Not at all. In my own case, it meant getting the things I really wanted. Spend less on each thing or activity, and you can have more of them, right? The key is to spend less and still get what you need and want. I'll tell you how I managed it. Living Cheap - Housing The first house I owned was a mobile home on a small lot.
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10). Dealing with The Stress of Debt! By : Paul Duxbury
As the New Year begins many people resolve to address the problems caused by their debts. This article provides some insights into dealing with the stress of debts.
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11). Handling Your Money Effectively By : Mary Williams
There is inflation every year. You cannot stop an increasing in living expenses as prices of consumer goods increasing all the time. Saving money becomes an extremely difficult task 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 vacation, whatever.
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12). 5 Easy Ways To Cut Your Household Expenses By : Mary Williams
Are you shocked when seeing your household expenditures every month? The expenses seem to increase every month. If you are in this situation, try these 5 recommendations before your extra paid money will accumulate to a significant amount! 1. Recycle those junk letters. Each month, you will probably received a dozen or more letters from direct mailing companies in your mailbox.
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13). Credit Scores: Numbers That Matter By : Trevor Mulholland
Getting something on credit is something that has become a necessity for many people nowadays. People who are planning to apply for loans should always remember that having high credit scores would be in their best interest.
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14). Changing You Spending Habits By : Mary Williams
It is every one dream being a millionaire and retiring with a healthy bank account, but how many people can actually achieve it? So few. This is largely due to lack of discipline in building up their retirement fund and poor spending habits. While building a retirement fund requires time, you can accelerate the process by making incremental but positive changes in your spending habits.
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15). Post-Christmas Financial Difficulties By : Mike Hanna
If you’ve spent more than your budget can cope with, then maybe you’re thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. Many of us turn to credit cards to help get through this terrible month. But without knowledge of the financial industry a person without a great income can fall victim to the evil grip of unscrupulous credit companies.
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16). Great Money Saving Tips By : Jessica Mara
Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out.
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17). Forecasting the Future Value of Your Roth-IRA or Roth-401(k)
By : Stephen L. Nelson, CPA
Curious about how much money you'll accumulate in your Roth retirement account? If you’ve got Microsoft Excel (or just about any other popular spreadsheet program) running on your computer, you can use its FV function to forecast the future value of your Roth IRA or Roth 401(k). The FV function calculates the future value of an investment given its interest rate, the number of payments, the payment, the present value of the investment, and, optionally, the type-of-annuity switch.
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18). If You Want To Make Money: Avoid Debt! By : Rene Graeber
Everybody starting in life should avoid running into debt. There is scarcely anything that drags a person down like debt. It is a slavish position to get ill, yet we find many a young man, hardly out of his "teens," running in debt. He meets a chum and says, "Look at this: I have got trusted for a new suit of clothes." He seems to look upon the clothes as so much given to him; well, it frequently is so, but, if he succeeds in paying and then gets trusted again, he is adopting a habit which will keep him in poverty through life.

19). Unsecured Non Payday Loans: Do They Exist? By : Susan Dean
Unsecured non payday loans certainly do exist. These loans are different from the usual un-secured pay day, fast cash type of loan. They come more in the form of a personal loan but without the need for security. This means that unlike short term cash advances such as payday loans you can obtain a loan that you can pay back over a longer period of time without having to produce any up front security.
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20). Chapter 7 Bankruptcy vs. Chapter 11 Bankruptcy & Bankruptcy Loans To Re-Establish Credit By : Dean Shainin
A bankruptcy loan can give the debtor a second shot to rebuild his business. As a matter of fact, the main purpose of filing for a bankruptcy loan is for you to re-establish your life and finances again.
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21). Easy Money Mangement Strategy By : Jason A. Martin
The buzzwords "money management" is thrown around left and right in the gambling world. Look around for advice on money management and you will find everything from grossly incomplete articles to full blown strategies for brilliant mathematicians. Today, I will share a quick and easy money management strategy that you can use each time you gamble. It's effective and takes just a minute to learn.
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22). Three Keys For Getting Out Of Debt By : Nathan Dawson
Getting out of debt gives you a euphoric feeling, positively liberating. It's a feeling you want with all your heart. The good news is, with the three principles outlined in this article, you can turn yourself in the direction of financial independence and take control of your future. That euphoric feeling will coming around sooner than you think.
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23). What Are Equity Index Annuities? By : RichardREvans
Equity indexed annuities are an excellent way to participate in the market gains when the market is advancing without taking any of the losses when the market declines. This sounds too good to be for most investors but these are legitimate and time tested.
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24). Working Out A Family Budget By : Mark Lambie
When you and your family are considering a budget, you may be missing the values that are held within rebates and coupons. In general, because of the time it takes to actually clip these things out of your local newspaper or a magazine, people tend to over look these big money savers all too often. Coupons should be an important part of your family budget.
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25). Why is it so hard to get ahead? By : Drew Miles
My grandfather bought his house for $6,500. He had no retirement after 20+ years of working for the same employer. They gave him $100 each month in lieu of a retirement check. He saved more than $200,000 over the course of his life. My grandfather clearly had respect for money. Our culture today has lost sight of this respect. Today’s generation fears not that they won’t have something, but that they won’t have everything.