Personal Finance Articles

1). Mortgage after Bankruptcy - Bankruptcy Discharged Yesterday? Purchase a Home Today! By : Nathan Dawson
So you have been through a bankruptcy and surely have been told to wait at least two years before applying for a home loan. Waiting two long years without any guarantee of being approved for a mortgage after bankruptcy can be disheartening. Fortunately, this advice no longer holds true.
Article Related to: debt consoladation, finance, personal finance, just married, couple counseling, family planning

2). 401K plans And Their Benefits By : Sandra Stammberger
What exactly are 401 k plans? A 401k plan is a type of an employer sponsored retirement plan for the employees of the organization.
Article Related to: financial planning, personal finance, 401k, 401k plans

3). Excessive bank account and credit card charges attacked as “unfair” and possibly illegal By : Michael Hanna
One missed credit card payment, or going overdrawn without permission, and suddenly a Ł30 charge can be incurred. Bank charges can seem to be unfair and too harsh given the frequently tiny amounts of unauthorized borrowing involved. Now it seems that the law could be in agreement. Following on from an investigation launched in October 2003, eight.
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4). Start Saving Money...Now! By : Mike Collins
Could you use more money? Of course, who couldn't? Whether you are overwhelmed with bills and expenses or just looking to save some extra cash for a nice family vacation, you basically have just two choices: 1. Make more money. 2. Lower your bills. Making more money is easier said than done. Most people only get a salary increase that barely covers inflation and the increased cost of living.
Article Related to: saving money, making money, personal finance

5). Money and Marriage 101 By : Nathan Dawson
It is good to get some solid financial-based marriage advice before taking the plunge. When considering money management just before and after marriage, there are some basic questions that you may want to ask.
Article Related to: finance, personal finance, just married, couple counseling, family planning, premarital counseling

6). The Truth Behind Paying “Points” For Your Next Mortgage By : Tabitha Naylor
Are you getting ready to buy a new home or refinance your existing one? Confused by what is actually meant when someone says you can “pay a point for this rate”? Don’t worry, real estate jargon can be quite confusing, when not thoroughly explained. This article dispels any myths you might currently hold when it comes to paying a point for your next mortgage.
Article Related to: mortgage, home loan, loan, credit scoring, credit scores, credit bureaus, finance, personal finance

7). 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.
Article Related to: personal finance, personal loans, credit cards, adverse credit, personal debt, consumer debt, loans

8). The Ultimate Tax Planning Strategy By : Francis Kier
The taxes that are withheld from paychecks amount to about 25% of your gross pay (including federal tax, state tax, social security tax and medicare tax). But these taxes that are withheld could be working for you as investments if you employ what I call the ultimate tax strategy. This tax strategy consists of how you plan to pay no taxes just like all of the large corporations.
Article Related to: personal finance, tax savings, wealth building, investing

9). What Are My Investment Choices For Retirement Planning? By : Richard Callaby
Investing for retirement may not seem important yet for someone who is still in their early age. But once that age of retirement is reached, then you will feel the need to do so. It might be too late then as you will not get the most out of your investments anymore.
Article Related to: investing, personal finance, retirement, options, ira, traditional

10). Becoming One Financially By : Nathan Dawson
When we think of marriage, most of us like to be romantic about it. Marriage brings images of engagement rings and a big white triple-layer cake. Nobody wants to talk about money management, prenuptials and other financial matters.
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11). Money Management with a New Spouse By : Nathan Dawson
When a person marries someone with children, there can be some unexpected implications. Marrying into a full-fledged family can be a difficult transition for all, emotionally and financially; therefore, having a money management plan is a necessary part of marriage preparation.
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12). Introduction to Consumer Credit By : Jakob Jelling
Consumer credit refers to credit in some form given to the consumers. It is a way of financing a client on condition of a deferred payment, at a later date or within a particular period of time. The businesses that provide consumer credit facilities need to comply with some regulations as lay down by the laws of the state. It is equally applicable to specialist credit businesses like credit card providers and money lenders to mail-order businesses or shops that permit the customers to buy on credit or lease out or hires goods.
Article Related to: consumer credit, personal finance

13). Saving Money as a Newlywed Team By : Nathan Dawson
As a newly wed couple, you may not always agree on things; however, when it comes to financial survival, the both of you will need to put your heads together and make some decisions with regard to money management.
Article Related to: finance, personal finance, just married, couple counseling, family planning, premarital cou

14). Get Rich Slowly By : Chris Cooper
Is it hard to get rich? Not really, if you’re young. Its fun to play with financial calculators and see what might happen. Assume you have just graduated from college, are about 22 years old and I just started your first real job. If you put $100 a month in an IRA that grows at 10% a year, you will have about $865,000 at age 65. 10% a year compound growth is about what you should exect if the money was invested in a no-load S&P 500 Index Fund.
Article Related to: savings and investments, financial planning, personal finance, debt management

15). 3 Tips For Keeping Proper Tax Records For Your Home Business – And Keeping The IRS Happy! By : Kris Bickell
The last thing most people think about when starting a business is doing taxes. But proper planning will make doing your taxes much easier - and keep the IRS happy! Here are 3 simple tips for keeping proper records: 1. Whenever you buy anything for your business, keep the receipt! Not only will this make record keeping a lot simpler, but if you are ever audited (having your tax return reviewed in detail by the IRS), you can prove your expenses, and save yourself money.
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16). Like it or Not, Finance Matters, a Lot By : Nathan Dawson
Finance. We hear that word thrown around quite a bit and used in phrases like in the world of high finance or financing options are available for those who qualify, but what does it really mean?
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17). What Happened To My Money? By : Mosiekk Conley
Have you ever found yourself asking this question? If you have you are not alone. There are thousands of people who find themselves looking at their bank statements or calling their banks and asking this same exact question. The problem is two fold. By this I mean, as consumers it is our money so it is our duty to keep track of our finances not the banks or anyone else.
Article Related to: personal finance, home budget, budgeting, personal budget, banking fees

18). The Four Golden Rules Of Personal Finance By : Francis Kier
Many successful people have mentors to guide them in learning the skills that lead to achievement, and I’ll do my best to offer you some critical personal finance perspectives. They say that life is a school where you learn the lesson after the test. The same thing applies to money, but you can’t go back in time to fix catastrophic financial mistakes that you have made over time.
Article Related to: personal finance, savings, debt management, credit cards

19). How Much Money Should You Save for Financial Emergencies? By : Tony Mase
Copyright 2006 Tony Mase Practically every financial planning and personal finance book you'll ever read advises you to start an emergency savings fund, or rainy day fund as some call it, to meet unexpected financial emergencies, as one of the first steps you should take to build wealth. Some advise a fixed dollar amount, such as $500 or $1,000, be set aside for financial emergencies.
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20). The Need For Scholarships By : Dana Goldberg
Scholarships are the amount of money that is given or cut in fees of students on some spatial basis. Various institutes all over the world provide scholarships for students, based on performances in exams or in some other cases as arias, finance or family backgrounds. Scholarships are the financial help to the students for their studies. Most of the time scholarships are given based on performances.
Article Related to: grants, scholarships, personal finance

21). 8 Money Myths By : L. Langemeier
8 Myths About Money I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it’s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it.
Article Related to: personal finance

22). Bad Credit Does Not Mean You Are A Bad Person By : Nathan Dawson
Have you recently applied for a loan only to hear the dreaded word denied? This type of situation is one that can be devastating. It doesnt mean you are irresponsible or shirk your bills. Regardless of the stigma attached to a low credit rating, there are probably logical reasons for your less than flawless credit. Still, the damage has been done. Now its time to fix it. If you follow some simple credit repair tips, you could be on your way to mending your credit.
Article Related to: debt consoladation, finance, personal finance, just married, couple counseling, family planning

23). Want Free Money? It’s Easier Than You Think! By : Jessica Roop
Copyright 2006 Jessica Roop Start thinking of the stores you shop at often. What comes to mind? Is it Circuit City, Starbucks, Banana Republic, Sephora, Barnes & Noble? Undoubtedly most of us could easily come up with a list of ten to twenty, if not more. I’m the kind of person who loves to save money. I’ve been doing something so simple for the past few years that has saved me hundreds, if not thousands, of dollars – I’d like to think of it as “free money”! It’s so easy, yet surprisingly few people take advantage of it.
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24). The Road to Financial Freedom By : Chris Cooper
The road to financial freedom is a lot shorter than you may think. For those of us who did not start our lives wealthy because of our family, we only have 46 to 49 years of income producing – more if you want to work into your “retirement” years. During that time, we must complete our education or training, get a job or open a business, while meeting the many demands on what income we have left after taxes.
Article Related to: financial planning, personal finance, debt management

25). Emergencies-Are you prepared? By : Drew Miles
A young man got into a car accident resulting in many bedridden months in the hospital and $100,000 of debt in hospital bills. Pathfinder’s “Mastering Your Money” series originated from this true story. The young man decided to pay off his debt in small amounts each month instead of filing for bankruptcy. When he was released from the hospital, he got a job, generated a modest income and stuck to his plan of paying his doctors $5 each week.
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