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Personal Finance Information

Budgeting is Bothersome


It doesn't take much for you to get behind on monthly bills, but it sure takes some time to catch up. The comparison in my mind is to weight gain.

Learning the Basics of Handling Money


With prices increasing all the time, saving money can be harder and harder 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.

What Are We Teaching our 2005 Graduates about Money?


Now that we are in the month of June I can't help but wonder if we have prepared our new graduates for the responsibility of managing and budgeting their money.I had a very interesting conversation with my God-son, a recent graduate from a local Los Angeles high school.

Saving Money - The Magic 20 Percent


Saving money is not easy and is made more difficult if you have a short-term outlook regarding your personal finances. If, like many people, you are living from one pay cheque to the next, it is difficult to put some money aside for a rainy day or for a summer holiday.

Chex Systems - Why Every American Needs To Guard His Checking Account With His Life


Most Americans have been brought up to be concerned about a good personal credit rating, because of the role a positive rating can play in your long term plans; purchasing a home, buying a car, getting a business loan, etc. They have also been made to understand that the premier organizations that pretty much hold the key to their financial futures are Equifax, TransUnion and Experian.

Affording a Home


Can you really afford a house? If so, how much house can you afford? To determine this answer will take serious financial planning, and the best time to start is at least six months before buying the home.Although buying a new home may seem like an American Dream or romantic venture, the reality is that the house you can afford depends on your current income and debt obligations.

Developing a budget? Watch out for Those Budget-Bursting Gremlins


If you've developed a household budget to get your spending back in line or to just reduce stress, good for you! Creating and sticking to a budget isn't easy by all means. But it represents the best way by far to manage your finances so you can relax and worry about other things.

How You Feel Affects How You Shop & How Much You Spend


Have you ever stopped to think about how your "mood" affects the way you shop, not to mention the amount you spend? Think about it.If you want to save a lot of money, avoid shopping whenever you are in one of these moods:DEPRESSED, UPSET, or ANGRYIt's very dangerous for your pocketbook to shop when you're either depressed, upset or angry.

Bank On It: Places to Hide and Invest Money


Today I passed a thermometer at a bank that read 110 degrees, but I am not telling you that to show you how hot it was. I am telling you that because this bank really needs to fix their thermometer.

The World is Not Enough - Calling for a More Ethical Approach to Personal Finance


At a time when the entire world's attention is focused on the problems of world debt, with the Live 8 concerts, the G8 summit in Scotland, the Make Poverty History Campaign (MPH) and the various anti-poverty marches, it seems that everyone wants the world's governments to behave more ethically towards the manner in which international finance is conducted. This is obviously a laudable attitude to take, and has gained immense momentum with such a groundswell of public opinion that even the UK Chancellor, Gordon Brown, has stated he is planning to participate in the Make Poverty History demonstration in Edinburgh during the G8 summit.

Budgeting Your Way to Financial Freedom


Financial freedom cannot be achieved without budgeting. Budgeting involves tracking your sources of income and more importantly tracking your expenses.

How to Save Money in a Grocery Store


Now there are ways to save money in the grocery store, and they may or may not take much effort on your part to learn some great ways to save money. Your greater savings can often be found in the perishable departments of a grocery store.

Roth IRA Contributions - IRS Rules


Confused about whether you can contribute to a Roth IRA? Try using these simple rules:IncomeTo contribute to a Roth IRA, you must have compensation (e.g.

How To Free-Up 10% to 15% of Your Income


Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind.

Introduction to Australian Superannuation


Australians, in general, constitute some of the worst savers in the world. Current estimates suggest that, on average, Australians save just 4% of their income.

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MORE RESOURCES:

Personal Finance: Cyber crooks target those looking for love
Sacramento Bee
By Claudia Buck It started so sweetly. She was a lonely Yuba City widow, looking for conversation online. He was an Auburn architect, divorced with two teenagers and a job that took him overseas. Slowly, he reeled her in, wooing her by phone and email ...

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USA TODAY

PERSONAL FINANCE: Will that housing deal help you?
Reuters
By Linda Stern | WASHINGTON Feb 9 (Reuters) - The housing settlement announced Thursday should make it easier for troubled homeowners to modify their mortgages and escape foreclosure, but it won't make everyone whole, consumer advocates say.
Homeowners Receive $25 Billion Mortgage Settlement, But Is It Enough?U.S. News & World Report (blog)

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PERSONAL FINANCE: Why pedigreed pooches cost more
Reuters
(The writer is a Reuters contributor. The opinions expressed are her own.) By Alina Dizik NEW YORK Feb 9 (Reuters) - Bruce, a Finnish Lapphund who's best described as a Pomeranian meets Alaskan Husky, will attend the canine equivalent of the Oscars for ...

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PERSONAL FINANCE: Should employees own more company stock or less?
Reuters
By Chris Taylor | NEW YORK Feb 10 (Reuters) - If you're a high-ranking executive like Apple Inc CEO Tim Cook, company stock is your best friend. He received a reported $375 million in restricted stock for 2011, one of the largest pay packages on record ...

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PERSONAL FINANCE: Pet insurance-a costly necessity
Reuters
By Heather Struck | NEW YORK Feb 9 (Reuters) - After Nicole Bodzon, 28, a consultant in Conifer, Colorado, paid $1600 for her pug, Pepe, to have a possibly cancerous tumor removed from his eye, she thought she might benefit from an insurance policy.

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Streetwise: Women shouldn't rely on lovers for personal finance
Pittsburgh Post Gazette
By Lauren Rudd Valentine's Day is almost upon us, which means it is time to repeat some of my most often asked for words of advice. Although jewelry, flowers and chocolate will be on the minds of many women next week, they should probably be thinking ...



Mortgage Rates & Trends

Bankrate: Mortgage Rates Up Slightly
Sacramento Bee
About Bankrate, Inc. (NYSE: RATE) Bankrate is a leading publisher, aggregator and distributor of personal finance content on the Internet. Bankrate provides consumers with proprietary, fully researched, comprehensive, independent and objective personal ...
Thursday's Personal Finance StoriesMarketWatch

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Simple sketches break down personal finance
Park Record
Richards said Marrouche's take on personal finance is pretty common. "I don't know many people who aren't frustrated with their money," he said. "Smart, educated, successful people still get frustrated, and part of that is because it's gotten so ...

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Canadian National Newspaper

Personal Finance: Online calculators turn spenders into savers
Canadian National Newspaper
(NC) — One of the reasons people get into trouble with money these days is that they lose track of their spending—not because they're irresponsible, but because it's just so quick and easy to buy things. Swipe here, click there. Approved.



PERSONAL FINANCE-Better than a mattress: money fund tips
Reuters
The top-yielding bank savings accounts and money market deposit accounts are paying 0.8 percent to 0.9 percent, said Greg McBride, senior financial analyst at personal finance website Bankrate.com. "That's 20 times the yield," McBride says.

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