How to Use Personal Finance Software Right
Many people believe that keeping track of home finances is boring and complicated. Actually, it’s not. The problem is that most of the beginners are trying to do this in detail and they spend a lot of time on minor expenses. Of course, they get tired quickly and come to a conclusion that home accounting is not their cup of tea.How to Take Advantage of This Zombie Economy
It has already been almost four years since the beginning of the Great Depression in 2008 and the economic reports do not seem to get more encouraging. Actually for a while we were feeling hopeful that a recovery is well on its way when towards the end of 2011 and into the first quarter of 2012 unemployment figures were lower, more jobs were added and home prices were slightly rising. The revival was however short-lived when in the second quarter of 2012 the growth rate of the economy slowed down again and the number of jobs added in June was…Is It Time to Say Bye to Your Big Bank?
Big banks get the blame for the financial crisis and all the other recent horrors, from the foreclosure mess to the JP Morgan Chase trading gaffe. Yet for most people, big banks are most culpable for their high fees and poor service. What are the alternatives?Only Progressive Employers Adopting Financial Wellness
For 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 finance support is an employer omission MetLife has been pointing out for the past few years.Where Does All Your Money Go?
Do you think that you are managing when you cover all of your bills? What about savings? And what about those little “small print” expenses that you are not always aware of? It’s time to take a look at your finances and see if you are really making ends meet.Billy Walters – The Warren Buffett of Sports Betting Markets
Proving once and for all that sports betting markets (which some may call gambling) can be beaten and indeed beaten well, is a man called Billy Walters. The reclusive Walters has a vast fortune created from gambling on sports and rules Las Vegas betting markets like a king.Claim Back Your PPI Money Yourself – Don’t Pay a Claims Management Company!
Read the scoop on CMC’s and how they claim your money. Don’t be fooled! You can easily claim back your PPI money yourself without paying for a Claims Management Company!How to Save Money: Two Methods of Saving Money Put to the Test
So, you get your paycheck intending to put whatever is left over into your savings. Does this sound familiar? Moreover, I bet that there never seems to be anything left over to put into your savings. Am I right? I put two saving methods to the test.The Infamous 4% Withdrawal Rate
I 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 withdrawal calculation.How to Protect Yourself Against Credit Fraud
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 have provided in the remainder of this piece. We believe that by employing these suggestions you can succeed in shielding your identity from organizations and individuals who may use it for their personal gain.Building That Savings Nest Egg – Part 1 – Cutting Unnecessary Expenses
Are you finding it hard to save money? This is part 1 in a series to help you build that savings account.I’m Moving Up!
Well, it’s nice weather and often that brings thoughts of moving – but the move might not be motivated by anything more than a desire to change locations. And the results might include costs that you really never considered.The RMD Approach to Retirement Spending
Accumulation 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 while living, or lose the ability to leave their children whatever is left over). The other day I was reminded of another option that is rarely discussed: The RMD approach.Makeup Sets: Are They Worth It?
Makeup sets are useful, interestingly various, and let’s admit it, fun. However, before giving in to the temptation of buying a set, consider a few ideas to decide whether or not a particular set is right for you.Why Nosediving Markets Are Good For Your Pension Plans
Falling markets, depreciating pension funds: it’s enough to make you start stashing your money under your mattress. But the apparently bleak news might not be as bad you think. If you’ve been watching the news recently you’re probably all too aware that the global money markets have taken a real battering.