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[ February 25, 2010 at 9:24 pm ]

Those of you who are in the “boomer generation”, ie; born between 1946 and 1964 are now perhaps thinking about getting off the fast moving treadmill and thinking about retirement, but the question is, can you retire with enough to live in comfort and still do the things you always wanted to do?
When thinking of retirement do you think of Florida and the sun belt, or perhaps Arizona, if so, it would be wise to consider the extreme costs of both of those areas where most of the U.S. population has already retired. Homes and living costs are very expensive and many who retire on modest incomes find it difficult to do some of the things they have always wanted to do, and some find it even necessary to obtain part time work.
If you are retiring on a modest income, another alternative is to look outside the box and consider …

World »

[ February 22, 2010 at 9:24 pm ]

Budgeting money is something of a neglected necessity in the modern world, with so many people lured into spending regardless of their financial situation. It has become almost the norm to spend each month more than is earned, often without even knowing it. This has led to severe debt problems for millions of people in the US and UK in particular, and an encouragement and acceptance of ignorance in personal money management.
Despite all the bad debt write offs, the banks and other lenders are happy with the situation. They build the risk factor of bad debts into their interest rates to ensure overall profitability, so borrowers are paying for the collective lack of ability to budget properly. Yet, budgeting is easy, so it is baffling in some ways that many people are unsure how to budget money.
Being able to budget your own money is a bit more than listing your …

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[ February 14, 2010 at 9:23 pm ]

Do you find that your money disappears very quickly?
Do you find there is a lack of money in your life?
How can you manage money better?
If you have ever wondered about those questions then this article will set things straight.
There are five key ways or secrets which will amaze you.
You will want to know more.
Here are the five ways;
Use habitually a budget plan system. You will discover that you have more than you first thought. A budget system is where you plan on paper where your every note or coin goes. You will see that you have more money! It works!
When you have money, place every note or coin in an envelope with a purpose written on it. For example, have an envelope for rent then you can place coins or notes in that envelope. Your money will go further!
Reduce your debt and stop using credit. With credit you are not …

World »

[ February 1, 2010 at 9:23 pm ]

Do you overspend?
Do you find you have no money left for important items?
Is your credit card bill over whelming you?
would you like to change the situation?
In this article you will learn five excellent ways to reduce your spending.
Follow these tried and tested principles stated below and see the difference!
• To set yourself a budget system and work all your monthly outgoings by this. The more you manage the more you will attract.
• To make an envelope system along with your partner, in order to get the big picture of your finances for the month.
• Pay for bills by the envelope system instead of paying for them by direct debit when you can run the risk of entering the over draft facility.This will allow you to see the big picture.
• Prioritize your bills and if need to cut back on less important ones. For example: if a person has monthly outgoings …

World »

[ January 23, 2010 at 9:21 pm ]

Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.
They believe a sufficient percentage – some estimates are as high as 80% – will continue to work in some capacity or another, relieving much of the pressure on the system.
This is probably the only ray of hope for many who have visited financial planners or bought personal finance software to see how much they need for retirement. These usually show you need a million or more dollars to retire with your current lifestyle. But again, they don’t take continuing earnings into account.
Many in the baby boomer generation plan to retire at around 65, but …

World »

[ January 19, 2010 at 9:22 pm ]

Here are five positive and effective ways to increase your income.
1. Do you have objects or clutter around your house which you are not using and could sell to increase your income? In today’s electronic world EBay would be a good choice. Holding a yard sell or boot fair would be an excellent option.
2. Do you have an effective budget, planning system working in your life? It is amazing that when money is managed correctly then it produces more. It is a fact that the universe will provide more income when finances are managed correctly!
3. Do you have an idea which you are passionate about? Think about Alexandra Bell, he invented the telephone. Today a telephone is amazing! When you have an idea, go to work on it NOW! It could provide you more income.
4. Start your own business. It does not have to be a big business but set …

World »

[ May 19, 2006 at 9:28 pm ]

When you are ready to apply for a credit card, there are a few things you want to take into consideration before making that final choice on which card to put into action in your life. After a bit of reading and reviewing the offers and your credit needs, your credit rating, you are then going to know if you are really ready to apply for a credit card for you to use.
One thing to think about is how your credit report is. If you are one of the many that may not have the greatest credit, you are going to see that it may be a little difficult to acquire a credit card. If that is the case, you may need to try one of the credit card companies that will help people out that have bad or slow credit. The only thing with the credit cards for people …

World »

[ May 18, 2006 at 8:36 pm ]

Do you overspend?
Do you find you have no money left for important items?
Is your credit card bill over whelming you?
would you like to change the situation?
In this article you will learn five excellent ways to reduce your spending.
Follow these tried and tested principles stated below and see the difference!
• To set yourself a budget system and work all your monthly outgoings by this. The more you manage the more you will attract.
• To make an envelope system along with your partner, in order to get the big picture of your finances for the month.
• Pay for bills by the envelope system instead of paying for them by direct debit when you can run the risk of entering the over draft facility.This will allow you to see the big picture.
• Prioritize your bills and if need to cut back on less important ones. For example: if a person has monthly outgoings …

World »

[ May 18, 2006 at 8:35 pm ]

Here are five positive and effective ways to increase your income.
1. Do you have objects or clutter around your house which you are not using and could sell to increase your income? In today’s electronic world EBay would be a good choice. Holding a yard sell or boot fair would be an excellent option.
2. Do you have an effective budget, planning system working in your life? It is amazing that when money is managed correctly then it produces more. It is a fact that the universe will provide more income when finances are managed correctly!
3. Do you have an idea which you are passionate about? Think about Alexandra Bell, he invented the telephone. Today a telephone is amazing! When you have an idea, go to work on it NOW! It could provide you more income.
4. Start your own business. It does not have to be a big business but set …

World »

[ May 18, 2006 at 8:35 pm ]

Most experts on the subject believe that the Social Security system will be bankrupt in about 15 years. However, some new studies have offered a ray of hope. They seem to indicate that the assumption that the boomer generation will retire at 65 or 67 and sit back to collect their social security checks is incorrect.
They believe a sufficient percentage – some estimates are as high as 80% – will continue to work in some capacity or another, relieving much of the pressure on the system.
This is probably the only ray of hope for many who have visited financial planners or bought personal finance software to see how much they need for retirement. These usually show you need a million or more dollars to retire with your current lifestyle. But again, they don’t take continuing earnings into account.
Many in the baby boomer generation plan to retire at around 65, but …

World »

[ May 18, 2006 at 8:34 pm ]

Before the state structured settlement protection statutes and the Victims of Terrorism Relief Act of 2001 which created §5891 of the Internal Revenue Code, any one wanting to sell their settlement payments were on their own. The sale of structured settlement payment rights today requires a Court in your state to review and, if appropriate, make a “qualified order” approving the sale of such payments or a hefty 40% excise tax is applied. The concept of Court approval is intended to protect you from entering into a deal that is not in your best interest.
Should I sell my payments?
The answer to that one is difficult. The question you might ask yourself:Do I need the money now?
For example: to buy a house, pay for an education, a business opportunity or to keep from filing bankruptcy. Any good reason would make sense. To go on vacation or buy an Acura Legend might …

World »

[ May 18, 2006 at 6:59 pm ]

Being new to FOREX trading? Don’t worry, getting started in FOREX trading is easy and you can always test your skills first in a demo account before you go ‘live’ with real money. To get started in FOREX trading, we have to get to know what FOREX is. For the inexperienced, FOREX trading involves buying and selling the different currencies of the world. A FOREX deal is made when one buys one currency and sells another at the same time. It is always traded in pairs, Euro/USD, CHF/USD, USD/JPY…you get ‘short’ in a currency every time to buy another and the profit is made when you buy-low and sell-high.
FOREX market is the largest trading market in the world. It yields an average turnover of $1.9 trillion daily and the figure is nearly 30 times larger than the total volume of equity trades in United States. FOREX trading is very unique …

World »

[ May 18, 2006 at 6:59 pm ]

If you know how to get grant money you can move much closer to reaching your business or personal goals. Grant money is available to almost every group in every situation in the country. There are grants designed specifically for ethnic groups, artists, small businesses and more. The trick is figuring our how to get grant money from the right group or agency.
There are online databases dedicated to helping people track down the grant money that suits their particular needs. You can search by categories including education, research, writing, legal, start-up, and a range of other areas. Each grant will have its own requirements, and the time for the selection process can vary greatly.
There is no one rule for how to get grant money, but there are a few steps that can help you along the process. Many groups and individuals fail to get grants simply because they do not …

World »

[ May 18, 2006 at 6:58 pm ]

You’ve moved out of your parent’s house and you’re finally on your way to financial freedom. There’s one thing you don’t have yet to complete your life goals. A relationship. Relationships are funny in way because every person you meet may like you, hate you, or have no idea what they think of you. That’s the beauty of dating. But after a while you soon realize that you can’t save money like your pals and you’re soon deeply in debt.
What a lot of people don’t realize is a relationship is an option in life. People may look at you differently if you don’t date but soon after awhile, you may notice a nice return on your money and little less stress on your life. I’m not saying to drop relationships completely but I’m trying to recommend that relationships are a temporary debt relief strategy.
Let’s take a scenario here and chart …

World »

[ May 18, 2006 at 6:58 pm ]

Have you ever wondered why Spain is the most popular place in Europe to buy property abroad or invest your money. Could it have anything to do with the spanish way of life or culture along with the weather or the friendly locals. Why so many people are choosing Spain as their prime location to buy property or a home abroad is purely because they want to.
If you buy property abroad or intend on investing large amounts of money then do not expect an easy ride if you have not done your homework. Remember when buying property abroad whether it is Spain or anywhere else on the planet you need to remind your self – location location location. How many times have we all heard this but it is a fact that is overlooked when looking for a prime location to buy Spanish property? To get the best deal- the …