SelfGrowth.com articles for Personal Finance

Impact of the Dodd Financial Reform Act

steve.beaman@stevebeamangroup.com — Fri, 13 Aug 2010 12:19:31 pm

My friends, it’s difficult if not impossible to judge the total impact of a piece of legislation that is over 2,000 pages long. In fact, I think it’s fair to say that no one fully understands the both intended and unintended consequences of legislation that is so enormous. I have read many ...

Searching for a better ISA?

links@which4u.co.uk — Thu, 12 Aug 2010 3:31:36 pm

Are you still searching for the best isa rates but haven’t chosen a fund for your 2009- 2010 individual savings account (Isa)? Unsure about stocks and shares Isas? Worried you have less than two weeks, but you haven’t had a chance to scour the market to see what’s available? By comparing the ...

Young drivers forced to pay 'sky-high' premiums for car insurance

links@which4u.co.uk — Thu, 12 Aug 2010 3:31:36 pm

Young drivers are paying substantial premiums to insure vehicles which has resulted in many teenagers failing to insure their cars.One learner driver was very surprised when he received a quote from one car insurance provider pricing his cover at a staggering £17,000 to insure his £2,000 ...

How to improve your credit rating

links@which4u.co.uk — Thu, 12 Aug 2010 3:31:36 pm

In a perfect world no one would need credit. People would have enough time to earn and save the money required for buying things like a car or a house.Credit cards would only be used for the benefits they can provide such as cash back rewards and other bonuses, and we would never have to pay ...

Anticipating the offenders: A strategic view of credit card prevention

links@which4u.co.uk — Thu, 12 Aug 2010 3:31:37 pm

Credit card fraud along with other payments frauds has made bank robbery a thing of the past.For banks and financial institutions, fraud prevention has always been a major concern as fraud such as credit card fraud is a cost that can lower their profitability. To minimize this cost, banks and ...

Why It’s Important to Save More Money Every Month

dancavalli8@gmail.com — Wed, 11 Aug 2010 12:00:00 am

One of the best things you can do for your financial situation would be to save money every month! I personally recommend that you save at least ten to twenty per cent of your monthly pay to see some really good results. I know that this amount is not the law, and would be altered to suit the ...

3 Simple Steps To Having Enough Money To Retire

todd@financialmentor.com — Sun, 8 Aug 2010 12:00:00 am

It’s no secret that you should be saving money for retirement over and above what Social Security, your pension or 401(k) plan will cover. But do you know how much money you need to retire so that you can maintain your chosen lifestyle? Most people don’t and the consequences can be ...

3 Tips to Eliminate Debt Without Hurting Your Credit

support@debt-tips.com — Tue, 10 Aug 2010 2:18:43 pm

Many individuals who make a commitment to get out of debt want to do so without harming their credit in the process. This isn’t impossible, but having a general idea of how credit scores are calculated can help. The following are three simple tips to eliminate debt without hurting credit. #1 ...

Why You Should Never File Bankruptcy

nhdrmedia@newhopedebtrelief.com — Tue, 10 Aug 2010 12:41:58 pm

You know what it feels like to cringe when the phone rings. You stare at it, willing it not to be a bill collector. Let it be someone who is offering you a job, you pray. You pick up the phone gently, hoping, praying, but no, it's another creditor. “I'm sorry, I'm not working right now. I'll. . ...

Proven Strategies on How to Build Wealth

dancavalli8@gmail.com — Tue, 10 Aug 2010 11:17:18 am

At this day and age when the economy is so unstable, many people are finding a hard time building personal wealth. However, it is not impossible. No matter how difficult times can be, you can still build your wealth, if you know how to play your cards right. There are many strategies in how ...

How To Avoid Financial Foibles

mpeterson@debtguru.com — Tue, 10 Aug 2010 10:58:43 am

Even if you think you are a careful spender, you could be making basic financial mistakes that are common to almost all of us. To steer clear of these mistakes, follow these simple steps and be in better control of your bank account. * Don’t Miss The Catch. Whenever you hear or see a ...

Eight Great Ways to Save Money

mpeterson@debtguru.com — Tue, 10 Aug 2010 10:58:43 am

If you are constantly on a shoestring budget and are always out of cash, take a good look at your spending and lifestyle habits. You will find that by making a few minor changes, you can both fatten your wallet and have a savings account to fall back on. Saving money is not difficult. It’s ...

Term Life Insurance Advantages And Disadvantages

dlusan@attglobal.net — Mon, 2 Aug 2010 12:00:00 am

Term life insurance is oh so loved my many people. There are many different types of term insurance and very many reasons why people buy these policies. There are significant advantages to owning this type of life insurance. There are also a few disadvantages. Advantages 1 - The premiums ...

Get Free Credit Report to Improve And Monitor Your Credit Score

mgsmpc@aol.com — Sun, 1 Aug 2010 12:00:00 am

Free credit report is essentially a summary of an individual's financial history. It includes analyzing the person's credit card accounts, loans, late payments, and bankruptcies, in short everything that prospective lenders need to know to determine creditworthiness. You have a right to access ...

Top Ten Ways to Saving Money Every Month

dancavalli8@gmail.com — Sun, 25 Jul 2010 12:00:00 am

For some people the only determinant between whether they would eat good food, wear designer’s clothes and ride the best of cares is in whether they would take their habits to save money every month very seriously. The good thing is, there are a lot of things that people can now do to ensure ...

ISA savings: The savviest option?

james_prior@ymail.com — Thu, 22 Jul 2010 10:37:53 am

ISAs have now been with us for over a decade and it's now pretty apparent they have proven themselves to be a popular mainstream product. ISAs are enjoyed by all kinds of people looking to make tax-free savings and have even gone through some changes this year that make them even more ...

ISA popularity takes tax-free savings to the masses

james_prior@ymail.com — Thu, 22 Jul 2010 10:37:54 am

Following their introduction across the UK over a decade ago, individual savings accounts - which are more commonly known as ISAs - have proven to be a popular choice for British savers looking to make the most of their money. The tax efficient option was brought to the market to replace ...

4 Reasons to Invest in an Annuity

lisa@advisorworld.com — Wed, 21 Jul 2010 4:47:50 pm

An annuity is a contract that you purchase from an insurance company or other financial institution that guarantees a lifetime income stream. For a lump sum payment to the issuer of the annuity, you are can receive either a lump sum, a certain number of payments or any combination of payout ...

5 Signs that You are Getting Ripped off Annuities

lisa@advisorworld.com — Wed, 21 Jul 2010 4:33:05 pm

Annuities – which are basically investment packages with a life insurance policy included - are an investment option that in recent times has been witness to a lot of fraudulent activity. This activity is often targeted at senior citizens who are talked by sales agents or brokers into buying ...

10 Tips to Finding the Best Annuities

lisa@advisorworld.com — Wed, 21 Jul 2010 4:30:48 pm

If you're looking for a great way to protect your money and to earn a consistent return, then annuities are definitely a financial instrument that you should be interested in. Annuities are generally provided by life insurance companies. You can pay money to them, let it grow on a ...

How Safe Are Fixed Annuities?

lisa@advisorworld.com — Wed, 21 Jul 2010 12:00:00 am

A fixed annuity is a kind of financial instrument that is constructed to act as a source of income. Most usually, this kind of financial instrument is set up by people preparing for retirement. Annuities in general refer to financial investments that are paid into and can later be accessed ...

Personal Finance: Summer Scorcher

renee@right-line.com — Thu, 15 Jul 2010 3:58:43 pm

My most two dreaded 4-letter words are debt and snow. The thought of winter makes my body curl up onto itself – a true, physical cringe. Likewise, the thought of debt chills me to the bone – because I’ve been there, close to broke and in the clutches of financial winter. Summertime and ...

Debt Is A Dirty Word! (Or Is It)

Robert@StrategyBasedProfits.com — Wed, 14 Jul 2010 10:21:57 am

As a society we are out of control with debt. If you think about it we are a now society, we are impatient and we want it NOW! I want, I want, I want, that is the motto today. Oh and I don’t have the money to pay for it so I will put it on a credit card with 23% interest and a really low ...

Is a Tax Relief Attorney Right For You? When to Hire an Attorney

admin@taxdebthelp.com — Wed, 14 Jul 2010 9:57:31 am

When you are facing tax issues such as unfiled returns or tax debts you can not pay, the experience can be overwhelming. Your own inexperience at such legal matters can complicate the process and result in the loss of your case or subsequent appeals. If you are in a situation involving tax ...

Are you getting good financial advice?

andrea@takeasmartstep.com — Wed, 14 Jul 2010 9:57:32 am

During our drive to Texas for our relocation I was scanning stations for something to listen to, when upon nearing Dallas I picked up some financial radio shows! By the time I was in Dallas I was screaming at the radio. Yes, screaming! It really makes me mad when so called financial people ...

Stay Afloat Amid a Recession - Handling a Poor Credit Personal Loan

limalan88@yahoo.com — Mon, 12 Jul 2010 2:54:51 pm

The current global financial situation seems not able to provide balance. In the past years, you probably were hindered from seeking and securing significant loans because of high interest rates imposed. You may also be suffering from bad credit history. Following the financial crisis and ...

Is this what YOU really want??

christine@learntoday.ca — Fri, 9 Jul 2010 3:38:26 pm

Just going about their day, trying to cover their bills... Thats what most people do on a daily basis, just try to cover their bills. So they go to their job, hope to please their boss(es) and then take home their paycheck. Shouldnt there be more to it than that?? Once in a while, someone ...

Formulating Your Savings Plan

kathryn.messer@gmail.com — Fri, 2 Jul 2010 2:39:00 pm

Most people who have savings have a plan for these savings. By that, I do not mean that everybody has a particular desire to spend the money in this way or that after it has accumulated over time but rather they have decided how to 'park' the money before they need it. The more ...

I Need A Loan With Bad Credit - Any Option Available?

limalan88@yahoo.com — Sat, 26 Jun 2010 12:00:00 am

Is there any option I could take if I need a loan with bad credit? There are different loan products available. The fastest, most convenient, and most popular include cash advance loans which could involve minimal loan amounts. I Need A Loan With Bad Credit These days, many people ...

How to make money in college the smart way?

adampakulski@wp.pl — Fri, 25 Jun 2010 12:00:00 am

How to make money in college? Many students face this question. You could usually could use some more money while you are in college. In college you have to learn without being distracted and you want to have fun. So adding to this making money while in college can be a challenge. The point ...

Loan Modification - How To Know If You're Getting A Good Deal

articles@lender411.com — Thu, 24 Jun 2010 12:00:00 am

Maybe you've just completed a mortgage modification, or you're in the market for one and you want to learn all you can. Either way, you're likely wondering how to tell whether a home loan modification deal is good or bad. Regardless of what stage of the process you're in, you'll want to be ...

Talk Money Before Marriage

lesley@simplyfantasticbooks.com — Wed, 23 Jun 2010 12:00:00 am

The subject of dating and marriage is usually emotional. It’s hard to use a lot of logic when we are talking about feelings and emotions. It’s necessary to consider some things with your head before you make the leap with your heart. The suggestions that I make here make perfect sense to me, but ...

Do you need to do a budget?

andrea@takeasmartstep.com — Thu, 17 Jun 2010 12:00:00 am

It seems like one of the most hated aspects of personal finance is a budget. Most people hear the word and cringe and begin to wonder what other wonderful things they could do besides making a budget. Things like visit the in-laws, eat worms and clean the toilets come to mind! This dislike of ...

Credit tips for college students

krystle.chan@creditreport.com — Thu, 17 Jun 2010 12:00:00 am

The length of one's credit history is one of the various factors credit bureaus look at when formulating a credit score . Therefore, it may seem like a good idea to apply for credit early and often. A recent report by CBS MoneyWatch offered insight into how college students can do this, and ...

Student loan defaults are on the rise

krystle.chan@creditreport.com — Mon, 14 Jun 2010 12:00:00 am

Most will not dispute the value of a good education, but it's no secret that paying for college can be costly. Many students are unable to pay for their entire education out of pocket and grants or scholarships may only cover a portion of tuition, books and housing costs. Therefore, many are ...

I refuse to participate in the recession

info@moneyinmotion.net — Mon, 28 Jun 2010 12:37:26 pm

Not too long ago I walked into Bidvest offices and noticed a sign up on the wall. It stated “We refuse to participate in the recession”. These are strong words at a time where repossessions and job losses are at their highest, rising fuel and energy prices are contributing to a higher cost ...

How to Become Rich Now – No More Excuses!

millionairemindsetsecrets@gmail.com — Fri, 11 Jun 2010 12:00:00 am

Almost everybody wants to know how to become rich! People may know the steps, they may have invested in books, CDs and DVDs that teach them the key steps, but there still might be something holding them back. In this article, you'll read about the top excuses that you'll need to overcome in ...

Declaration of Bankruptcy

albert_mellor@ymail.com — Fri, 4 Jun 2010 1:25:26 pm

Applying for bankruptcy is considered as a shameful act because the individual becomes a laughing stock amongst those who are near and dear to the family. The family gets a stigma and it would even ruin the name of the family. So people try to postpone the bankruptcy application to the maximum ...

Chapter 11 bankruptcy

albert_mellor@ymail.com — Fri, 4 Jun 2010 1:25:26 pm

In the recent global recession many banks and renowned companies applied for bankruptcy because it was hard to swallow the continuing loss. The stocks and the real estate nose dived. The gloom in the market reduced the sales and it resulted in huge loss to the business. In such circumstances, ...

Bankruptcy application, the best way to save yourself

albert_mellor@ymail.com — Fri, 4 Jun 2010 1:25:26 pm

Taking loan is a common phenomenon followed from times immemorial. Be it an individual or a business house or a corporate sector, loans are taken, interest is paid and the loans are repaid. But it so happens that for various reasons, the repayments are defaulted. Frequent defaults cause ...

When In Social Media Sites, Are You An Informer Or A “meformer"?

menno@spijkstra.com — Fri, 4 Jun 2010 1:25:26 pm

For us who are blogging for business, social media sites particularly Twitter and Facebook have been giving a good boost to our online network expansion efforts. In social media platforms, we are able to promote our expertise and/or our products. Today, I stumbled upon this post that tackled ...

Expert Credit Repair Tips - What Will Give You a High Credit Score?

wroberts1886@hotmail.com — Fri, 4 Jun 2010 1:25:26 pm

Credit reporting and credit scoring are the two factors which help to boost credit score. People do not have information about the importance of the score that is why they do not pay back in time and unable to get any new loans even. The score is a basic factor which is considerable while taking ...

Boost Credit Score - How to Get Affordable, Professional Legal Help with Increasing Credit

wroberts1886@hotmail.com — Fri, 4 Jun 2010 1:25:27 pm

Credit score is mark of credibility and represents your previous repayment behavior. This is very simple to judge the credibility of a person by just looking at his score. Credit reporting bureau has set an automated system to calculate score according to your current and previous loans data. ...

Credit Repair - Obtaining Easy Consumer Credit Repair is a Breeze - Find Out How

wroberts1886@hotmail.com — Fri, 4 Jun 2010 1:25:27 pm

• Save Lot of Time: If you are very engaged with the documentation of credit repair; you will find that it is very tough to collect the required documents and apply for repair. A busy person who is involved in business or job cannot manage the time for collection and ...

Tips to Improve Credit Score - 5 Credit Repair Tips for Restoring Needed Credit Quickly

wroberts1886@hotmail.com — Fri, 4 Jun 2010 1:25:27 pm

The importance of increasing score cannot be neglected as it is a mark of credibility of a consumer. This is very simple to judge the reputation of a person before making a business deal with him or while hiring him for a new job by just observing his score. It represents the whole previous ...

Credit Legal Repair Service - Things You Should Understand About Lawyers of Credit Repair

wroberts1886@hotmail.com — Fri, 4 Jun 2010 1:25:27 pm

When there was no concept of financial companies, people used to contact lawyers to solve their financial matters. The lawyers also used to take advantage of this thing and charged lots of fees from consumers. Even now many people who do not have awareness about companies do contact lawyers to ...

Home Energy Hints to Save on Utility Bills

briad09kga@yahoo.co.uk — Fri, 4 Jun 2010 1:25:27 pm

With the rise of gas at the pumps and for heating the house utility bills have steadily risen over time so you must lower your expenses where you can. The quickest way to start seeing lower utility bills would be to cut back in your power consumption. This is often an overlooked area when ...

Adverse credit remortgage-Chance to rise above from bad credits

mathewkenny16@gmail.com — Fri, 4 Jun 2010 1:25:28 pm

Do you have blemished credit scores due to some past payment defaults? Holding many bad factors may create problem in getting a loan such as CCJ, arrears, defaults, bankruptcy, foreclosures and so on. Paying lots of interest every month can be a burdensome. Adverse credit remortgage can be swift ...

Is Forex Trading A Profitable Business?

articles@online-money-ideas.com — Fri, 4 Jun 2010 1:25:28 pm

As more and more people are interested in Foreigh Exchange Market many of them don’t understand if online financial trading can really be profitable. Let’s find it out if it is really possible to make money trading forex. If you search on the web you can find many positive and negative feedbacks ...