tag:blogger.com,1999:blog-33861629043960799952024-02-21T10:09:00.377-08:00Personal FinancePersonal finance refers to the financial decisions which an individual or a family unit is required to make to obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events.apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.comBlogger30125tag:blogger.com,1999:blog-3386162904396079995.post-44987952845926391982013-09-30T17:22:00.001-07:002013-09-30T17:22:07.796-07:00Personal Finance Apps For Your Smartphone
Remember that foggy zone you used to be in when you wanted to take complete control of your finances? When you wanted to be more responsible in saving and spending to plan the present and future? Those foggy days are over and the days of finance apps on your smartphones that bring more clarity with ease of use are here. We are discussing top 5 finance apps that will prove to be useful to you.&apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com8tag:blogger.com,1999:blog-3386162904396079995.post-37766833184798389812013-09-30T17:20:00.001-07:002013-09-30T17:20:51.588-07:00Personal Finance Management and It's Benefits
The major emphasis on material wealth and status symbols means that more and more people are now finding themselves firmly trapped in the debt trap, with a vicious cycle of extended credit, interest rates and penalty fees all eating into their savings. Record numbers of people are struggling to come to terms with the loans that they have taken out with their banks, only to discover that they canapit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com10tag:blogger.com,1999:blog-3386162904396079995.post-54979688543824691882013-09-30T17:19:00.001-07:002013-09-30T17:19:12.916-07:00Personal Finance Tips: 4 Ways to Become Financially Free Even When You're Single
Being financially free can sound like a far-fetched idea for most single women. The average American today spends more than they earn and can barely keep up financially. Becoming financially free is not impossible, no matter what you might think today! Keep reading to find some personal finance tips that every single woman should know.Start with a budget. Whether you make a lot of money or a apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com13tag:blogger.com,1999:blog-3386162904396079995.post-30117242179491807842013-09-30T17:17:00.001-07:002013-09-30T17:17:53.977-07:00Emotional Cost of Personal Finance
What's your reaction when the monthly bills arrive? Do you feel nauseous? Do you feel sick to your stomach or have headaches? Or, do you feel overwhelmed or panic?I am sure that you are working very hard to pay off your bills. However, your bills seem to never get smaller. Actually, it looks like they keep growing! You are not sure what is happening here, but you feel very exhausted working to apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com1tag:blogger.com,1999:blog-3386162904396079995.post-64424996097281801122013-05-31T04:37:00.001-07:002013-05-31T04:37:33.262-07:00Personal Finance: A Simple But Powerful Step To Start Digging Your Way Out Of Debt
Throughout the middle class there is a personal finance disaster looming as personal debt rises to record levels. If you're struggling with personal debt levels or even getting close, here's a simple first step to turning it all around...Credit card debt is often the biggest personal debt load after a mortgage. When you got your first credit card, you most likely promised yourself you'd treat itapit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-27675799560400452862013-05-31T04:36:00.003-07:002013-05-31T04:36:51.600-07:00Recovery From Divorce and Personal Finance Planning
The financial advice I would give to divorced women is: education. Find something that can educate you; whether it's creating more income, or managing money or something educational about finance.Doing something, I'm a big believer in do what you love, because when you do what you love, the money just flows. When you're in your passion, when you're in love of what you're doing, then everything apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-74161255386427803312013-05-31T04:36:00.000-07:002013-05-31T04:36:19.529-07:00The Key to Personal Finance
Additional effort in managing one's personal finances will result to a more positive usage of personal resources. With attainable, realistic goals, ones financial standing will progress in no time at all. However, for the part of the individual concerned, this calls for proper planning and monitoring. There is also a need to assess at some point to see if the goals set are being met or further apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-17042244353847407572013-05-31T04:35:00.005-07:002013-05-31T04:35:37.953-07:00Financial Hardship: When to Hire a Personal Finance Coach
We've all been at that point in our lives where our finances just don't seem to be working out, for whatever reason. Whether it is all about having to try and get out of a debt that you've created and set for yourself, or something more in line with dealing with issues related to poor credit or other problems, financial problems can take a toll on your life and greatly affect how you live and apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-50963806164124944662013-05-31T04:35:00.001-07:002013-05-31T04:35:01.629-07:00Emotional Cost of Personal Finance
What's your reaction when the monthly bills arrive? Do you feel nauseous? Do you feel sick to your stomach or have headaches? Or, do you feel overwhelmed or panic?I am sure that you are working very hard to pay off your bills. However, your bills seem to never get smaller. Actually, it looks like they keep growing! You are not sure what is happening here, but you feel very exhausted working to apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-36617115932024129172013-05-31T04:34:00.003-07:002013-05-31T04:34:31.755-07:00Personal Finance Apps For Your Smartphone
Remember that foggy zone you used to be in when you wanted to take complete control of your finances? When you wanted to be more responsible in saving and spending to plan the present and future? Those foggy days are over and the days of finance apps on your smartphones that bring more clarity with ease of use are here. We are discussing top 5 finance apps that will prove to be useful to you.&apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-27170298857682971532012-07-28T06:24:00.000-07:002012-07-28T06:24:09.003-07:003 Money Saving Tips Which Just Don't WorkWhether you're using IVA help to manage your debt or just want to economise now to avoid that whole debt spiral, there are some common financial pearls of money-saving wisdom out there which are a load of nonsense. In this article we'll be taking a look at some of the worst offenders to make getting by on IVA help or living on a shoestring a little easier. Save yourself some major money pain by apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-6210363942154663622012-07-28T06:23:00.001-07:002012-07-28T06:23:27.600-07:00Avoiding Budget SurprisesIf you're reading this article, you probably care about your family's financial future. Part of preparing well for the future means implementing good money management skills. And, when it comes to proper money management, nothing makes you more effective than a budget! A strong budget helps allocate funds appropriately, and ensures that everyone in the family stays on track with spending and apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-92111229305801241772012-07-28T06:21:00.004-07:002012-07-28T06:21:58.268-07:000% Interest Rates and Your RetirementA recent article by Michael Finke, professor and coordinator of the doctoral program in personal financial planning at Texas Tech University, points to a problem we financial planners have been having for the last several years-a problem we might not be able to shed soon. The problem is interest rates, particularly interest rates near zero. The immediate impact of this problem is pretty simple: apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-85473575493830481112012-07-28T06:21:00.001-07:002012-07-28T06:21:21.142-07:00Investor Returns Vs Investment ReturnsWarren Buffet once said that he wouldn't mind if the stock market shut down for the next five years, an unusual statement coming from the man that some would say was one of the greatest investors of the 20th century. His quote says a lot about what makes him a great investor. Mr. Buffet is saying that he invests for the long run and doesn't need to know how much his investments are worth on a apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-4107604691058319912012-07-28T06:18:00.003-07:002012-07-28T06:18:53.913-07:00Basic Steps to Handle Your FinancesAn organized financial management plan will be your saving grace while in challenging economic times. A reliable personal financial plan promotes profiting from good financial periods so you can get by during economic dry spells. Throughout the years, the economy has turned out to work in a cycle; experiencing times of economic growth, along with cycles of pitfall. In the same manner, the stock apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com1tag:blogger.com,1999:blog-3386162904396079995.post-27321819553373059212012-07-28T06:18:00.001-07:002012-07-28T06:18:17.555-07:00Financial IndependenceHow about some fireworks for our financial independence?
We just celebrated our country's independence. During the fireworks show, I got the chills listening to everyone celebrate and cheer for our country.
It's a great feeling, right? Now let me ask you this. When is the last time you celebrated your financial independence?
We all want financial independence. Give us some of 'dat. It's such aapit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-82663332216460958742012-07-28T06:17:00.001-07:002012-07-28T06:17:01.567-07:00Saving Money Is Not At All DifficultIt is true that the economic downturn has been causing severe hardships to many people. People are finding it difficult to make both ends meet. You may also face problems in managing your personal finances. You need not lose heart because you can certainly find ways to save money. But, for doing this, you should use your creativity and should be disciplined also. Let us discuss a few ideas.
- apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-63499601718258588652012-07-28T06:16:00.002-07:002012-07-28T06:16:16.066-07:00Divorce Financial Planning: Take Control of Your FinancesDo you know your credit score or the details of your Social Security report? Can you find the deed to your house, mortgage, life insurance policies, car title, car insurance policies, tax returns for the past 5 years, brokerage and bank statements for the past year? Do you know what your spouse earns or how much is going into a 401k plan annually?
Getting divorced is often a wake up call when itapit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-72106306701932605622012-07-28T06:15:00.001-07:002012-07-28T06:15:38.555-07:00How to Satisfy and Retain CustomersIf you have the choice, it is always better to focus on retaining your current loyal customers than to forsake them in the interest of chasing down new ones. Your current customers have already been impressed by your products or services and already feel some sort of loyalty to your company, while there is no guarantee that the thousands or even millions of dollars in advertising and marketing apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-48645034409754669012012-07-28T06:14:00.003-07:002012-07-28T06:14:46.487-07:00Planning A Cost Effective FuneralFuneral Planning
By planning a funeral ahead of time you can save yourself from mistakes you may make in the emotionally vulnerable state you'll be in after the loss of a loved one. Planning your own funeral may sound grim, but it can save your loved ones time and money.
Ones estate is exempt from taxes up to 5-million dollars, 10-million for couples. Gifts, which reduce the value of one's apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com2tag:blogger.com,1999:blog-3386162904396079995.post-35552879282296777702012-07-28T06:14:00.001-07:002012-07-28T06:14:15.419-07:00The RMD Approach to Retirement SpendingAccumulation is easy. Save money. Decumulation is tougher because now you need to pick a strategy and stick with it. Strategies abound: Spend your interest and dividends and never touch the principal (which is difficult in today's low-interest-rate environment); follow the "4% rule" and index that for inflation; or annuitization (though most people do not want to give up control of their assets apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-86555994430592122012-07-28T06:13:00.002-07:002012-07-28T06:13:12.494-07:00How to Protect Yourself Against Credit FraudBecause of the staggering increase in the number of consumers who got ripped off by identity thieves, more and more individuals today are looking for information on how they can protect themselves from credit fraud and identity theft.
Now, do you belong to the set of consumers that we have just described above? If you do, then, we suggest that you pay close attention to the pointers that we haveapit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-20749815426464900752012-07-28T06:12:00.002-07:002012-07-28T06:12:36.653-07:00The Infamous 4% Withdrawal RateI received yet another article this week, highlighted by an investor website that touted the virtues of the 4% withdrawal rate for fixed income and retired individuals. I scratch my head whenever I see one of these and wonder who is doing the math. A 4% withdrawal rate, or any fixed rate of withdrawal does not take into consideration what I consider to be the most important factor in any apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0tag:blogger.com,1999:blog-3386162904396079995.post-50159554729196784482012-07-28T06:11:00.001-07:002012-07-28T06:11:59.125-07:00Billy Walters - The Warren Buffett of Sports Betting MarketsVegas used to be filled with rumours of a man or group of men - nobody really knew the specifics - that was said to be feared by Vegas bookmakers. This team beat the spread in sporting events as a matter of course, and were wealthy beyond comprehension as a result. In the world of sports gambling, these guys had discovered the Holy Grail. They mystery that surrounded these mystery men made them apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com34tag:blogger.com,1999:blog-3386162904396079995.post-40823804190280564422012-07-28T06:09:00.003-07:002012-07-28T06:09:52.418-07:00Only Progressive Employers Adopting Financial WellnessFor several years now, I've been campaigning to bring the tools for financial wellness (personal finance training and counseling) into the workplace, but it is only a few of the more progressive employers that are actually adopting these programs for their employees. This fact was cited in the MetLife 10th Annual Study of Employee Benefit Trends (released Spring, 2012). The lack of personal apit nursinghttp://www.blogger.com/profile/09426640900209595906noreply@blogger.com0