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Personal Finance Articles

1: Credit Crunch Still Affecting Personal Finances
The effects of the credit crunch are still having an effect on people's personal finances and the country's economy has not yet returned to its normal state, it has been claimed....
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2: If You Want to Become Wealthy Play Win-Win
A few years ago, I designed a game to teach people how to master wealth creation. For this, I used the basic Monopoly game but changed the rules somewhat to create a situation that follows the six stages of the Money Program....
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3: The Get Rich Slowly Method
Even with the worst timing, dollar cost averaging over a long period of time turns you into a winner....
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4: Why 401(k) Retirement Plans Really Don't Work
Although it is true that you do not pay income taxes on your contributions up front, during your earning years, you will undoubtedly pay through both nostrils when you attempt to retire. If your parents have planned poorly, you may find yourself trying to retire at a time when the stock market is not in a party mood---...
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5: How To Get A Fast Payday Loan With No Debit Card
If you are new to borrowing money then you probably know you can get a loan from your local bank. But did you know you could get a fast short term loan to get you out of an immediate financial fix....
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6: Identity Theft Statistics Are Extremely Alarming
Identify theft is quite common in the United States, much more common than many of us think. Actually it is one of the fastest rising crimes in America, to make matters worse not only is it one of the most difficult to detect but one of the hardest to solve....
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7: How To Create More Income
Very few of us focus on increasing our income in hard times, which is exactly what we should do. Creating more income is also a more positive approach than merely cutting back our spending....
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8: Timeshares Affordable Part Time Ownership with a Twist
If full-time ownership, plus the responsibilities and liabilities the come with it are too much for you, you may opt for a time share instead. Time shares part-time ownerships that allow you to share in the costs and responsibilities for a property. This works well because you do not have to shoulder the burden of paying for and maintaining a property by yourself....
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9: How To Live Within Your Means
There is a simple, effective formula that everyone can apply to easily manage their finances. I call this the 40%-30%-20%-10% rule. This formula is used to measure your expenditure and cash outflows. You divide your expenditure into four categories and calculate the total of each category as a percentage of your net (after tax) income....
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10: Rules for Investing- How To Build a Portfolio of Safe, Secure Investments
In order to invest wisely, you need to have a suitable investment plan that will ensure the appropriate amount of growth for you. Your investments will also need to be safe and easy to manage....
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