SelfGrowth.com articles for Financial Literacy

Regular Financial Check-up, The Best Way out of Distress.

ade@wealthconcern.com — Wed, 11 Aug 2010 12:00:00 am

Regular financial check-up as a way out of social distress is not just a matter that can be wished away by anyone that wants to live a happy economic life these days of global economic dilemma. This is because, which ever way one looks at it, the financial melt down will continue will be on the ...

Capitalism vs. Socialism: Two Competing Schools of Thought

steve.beaman@stevebeamangroup.com — Sun, 8 Aug 2010 12:00:00 am

We are in a period in American, and indeed global, history where the Teutonic struggle of capitalism and socialism are being played out. Most people have a fair understanding of these differing theories of economics, but this SBG Cast will attempt, as difficult as that is in a five minute ...

Personal Debt - Can You Afford More Debt?

dancavalli8@gmail.com — Sun, 8 Aug 2010 12:00:00 am

When thinking about personal debt, most people think in terms of monthly payments. They will consider making a large purchase if the monthly payment seems affordable. Fifty dollars a month might not sound bad on the showroom floor, but even a small amount can have far reaching consequences if ...

Teaching Children the Importance of Money

mpeterson@debtguru.com — Tue, 10 Aug 2010 11:00:27 am

Children seem to be born with an insatiable desire to spend. Whether it’s Christmas, birthday parties, or a trip to the local mall, children are never too shy when it comes to vocalizing their wants. And sometimes, they’re relentless. Parents face this on a daily basis. Dealing with the ...

Pounds till payday: Easy loan at less time

eithantrant@gmail.com — Thu, 22 Jul 2010 10:37:55 am

Now you need not to look here and there for a need of small amount as pounds till payday are available in the financial market. The best part of these loans is that borrowers are free from long and lengthy proceedings like collateral evaluation and credit check formality. This is because no ...

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 ...

10 Tips to Investing in Fixed Annuities for Retirement

lisa@advisorworld.com — Wed, 21 Jul 2010 4:32:53 pm

An annuity can be a good retirement investment if you select the annuity correctly. Many times investors enter into this type of retirement planning unsure about the product they are purchasing. This can lead to great disappointment when retirement arrives. Understanding what an annuity is and ...

What Your Insurance Company Does Not Want You to Know about Fixed Annuities

lisa@advisorworld.com — Wed, 21 Jul 2010 4:22:42 pm

One of the greatest features of fixed annuities is that they are reasonably simple. So, in reality, fixed annuity rates are not nearly as complex as variable annuities are. However, be aware that your financial advisor most likely won’t inform you that they are less expensive, because he will ...

Wealth Management and Wealth Transfer

whyisfin@gmail.com — Wed, 21 Jul 2010 4:14:26 pm

Wealth transfer is a phenomenon that typically occurs during the "reversal period" following the end of a significant economic trend. Take, for example, cycles like the late 1990s stock market and the 2000s real estate bubble. As we know, both of these events ended in busts. During subsequent ...

How to help your children learn about money

d.j.britton@hotmail.co.uk — Wed, 21 Jul 2010 4:13:09 pm

The story of Pinocchio may be more profound than we initially thought… A perfect creation gradually gets influenced and tarnished by its surroundings before thankfully finding its way back to its true nature. Up until the ages of 7 or 8 children are literally being programmed by their ...

Avoiding daily mishaps can help get money in order

krystle.chan@creditreport.com — Fri, 16 Jul 2010 4:06:04 pm

Making a major financial mishap can often set a person's borrowing abilities way back. But it's often the small mistakes made daily that really put a dent in one's finances. A recent column by U.S. News & World Report highlighted some of the common mistakes as well as the perks of avoiding ...

Income Tax Filling Tips: Things to Know for Submission of Income Tax Return

jacksonmark786@gmail.com — Fri, 16 Jul 2010 12:45:36 pm

Companies are to submit income tax returns for every fiscal year. Individuals are to submit the same. Income tax for a year is charged on what companies or individuals earn in that particular year. Income tax is charged on the net income of a company or of a business house for a particular year ...

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 ...

No Credit Check Personal Loan Is The Fast and Convenient

tomdarwin1@googlemail.com — Mon, 12 Jul 2010 2:54:50 pm

Bankrupt is normal. Why be normal? There are several events in our life that we cannot avoid. Achievement begins with an optimistic attitude in life. Even if you are running out of finances and still in need of instant finance then don't lose heart. As with growing financial service, there are ...

Choose investments that are strong yet stable

myardney@metropole.com.au — Mon, 12 Jul 2010 4:22:18 pm

As the world works its way down the road to recovery, savvy investors are asking, “what’s the right type of investment for the new financial era?” They understand that the economy is recovering, interest rates will increase and inflation is likely to return, due to our government borrowing ...

Tips For Getting A Bad Credit Home Mortgage Refinance Loan

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

There are ways on how you could protect your interests when getting a bad credit home mortgage refinance loan. Having a poor credit does not mean you are left with no choice but to stick with inferior credit products. There is a viable option to take if you find it hard to repay your ...

PPI claims – It is your right

shelly.dicousta@gmail.com — Fri, 9 Jul 2010 2:50:06 pm

Now days there is a growing number of incidences happening for PPI claims in the financial industry and most of them for wrong reasons so let’s see it PPI claims are the claims that an individual makes for compensation after his debt amount is over. It refers to an arrangement made by the ...

***Making Money by Staying Home On Your Vacation

margaret.good@rogers.com — Mon, 28 Jun 2010 12:00:00 am

It’s the summer here in the Northern Hemisphere and most of us are looking for some time off. With the economic crunch and the goal of living debt-free some will be paying off previous debts with very little or no funds available to go on a cruise, road trip or even to the local spa. Can a ...

Saving Money is Not Magic! 5 Easy Steps to Save Cash

henderson.theodore@gmail.com — Thu, 24 Jun 2010 12:00:00 am

Now, more than ever, it is critical to have savings. There is no magic to intelligent personal saving. It's part common sense and part paying attention to the world around you. At a minimum, you should have 6 months living expenses saved in a liquid account. You need to be able to get at ...

3 Simple Steps to a Stress Free Tax Season Next Year

articles@smartsimplemarketing.com — Thu, 17 Jun 2010 12:00:00 am

You can almost hear the sigh of relief. Tax season is finally over! But that sigh of relief is different depending on your preparation and experience. If you had all your receipts and paperwork in order, the sigh of relief includes a smile because it was stress free and you know you maximized ...

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 ...

Avoiding Foreclosure

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

Foreclosure is very common in this sagging economy. Whether it is a friend or family member, or someone who is renting a place where the owner is no longer able to afford the mortgage, it is nearly impossible to talk to anyone who hasn’t in some way been affected by it. As a bankruptcy ...

CFP Certification Program-the Most prestigious certification of the financial community

jiten.sukhrani@njindiainvest.com — Thu, 10 Jun 2010 12:00:00 am

Certified Financial Planner Certification is a mark of excellence granted to individuals who meet the stringent standards of education, examination, experience and ethics. It is the most prestigious and internationally accepted Financial Planning qualification recognized and respected by the ...

Guaranteed Search Engine Optimization – Is This Possible?

menno@spijkstra.com — Thu, 10 Jun 2010 12:00:00 am

Who does not want a guaranteed search engine optimization? Or perhaps you will ask if this is at all possible - A website optimization that will surely bring in the ranking that you aim to achieve and the amount of traffic that all website owners desire to have. In the past weeks, or even ...

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 ...

Credit Repair Tips - How to Spot the 5 Most Common Credit Repair Frauds

wroberts1886@hotmail.com — Fri, 28 May 2010 10:58:49 am

With the increase in needs of credit repair; many companies were reformed to provide the services to remove people's negative items from their credit reports and to increase their credit score. This is a fact that where there is good, bad is also there and while searching you may find some fake ...

Understanding Stocks

clickaff27@gmail.com — Thu, 20 May 2010 12:00:00 am

Investing in stocks can be fun and exciting, but it can also confuse you if you are not familiar with them. In case you are not sure what stocks are, they are paper assets that companies issue to help them raise money. When you purchase stocks, you become part owner of the company. When ...

Are You Guilty of Making These Investing Mistakes?

lyn.bell@xtra.co.nz — Sun, 16 May 2010 12:00:00 am

Few of us can truly say we have invested without making at least one of these investing mistakes along the way. Does “If I knew then what I know now…” sound familiar? With hindsight we would have done things differently so it’s good to share what some of the pitfalls are. 1. One of the ...

Get Ready for Round 2

rand@randgolletz.com — Sun, 9 May 2010 12:00:00 am

I keep hearing pundits and business people insisting that our economy is getting better. In the very short run, that might be true, but WHO is going to pay for our massive $13 trillion ($10 trillion of it incurred in the last year) federal debt? No one seems to have an answer to that question. ...

The Advantages of Payroll Outsourcing

maryleojoyce@gmail.com — Sat, 8 May 2010 12:00:00 am

Every business that recruits people is accountable to maintain a payroll system. It is also a mandatory document that requires while auditing. There are many ways available to take care of the payroll activities. Many companies prefer outsourcing their payroll accounting tasks to accounting ...

What is Next for the American & World Economies?

rob@mccurdycorps.com — Tue, 18 May 2010 12:33:30 pm

You might be wondering as so many: Where will it all end? Where are we headed? Of late, the news has filled our family TV screens and car radios about Greece’s dire need for a loan. Surely, you recall our own residential real estate and associated banking crisis that began to surface in ...

Entering Bills for Items Already Entered in an Inventory Adjustment

seomoon88@gmail.com — Thu, 6 May 2010 4:57:12 pm

Occasionally you will go through your inventory and realize that you are showing more or less inventory than QuickBooks reflects. Typically a company will then make an inventory adjustment in QuickBooks to straighten this out. The problem you may encounter is that you will adjust your ...

What’s Your FEQ (Financial Emotional Intelligence)?

michelelanders@bellsouth.net — Fri, 16 Apr 2010 12:00:00 am

Money is the hot topic these days. Whether you have it and are afraid of losing it or you don't know where your next paycheck is coming from, right now we all seem to share some form of 'money fear.' What if your beliefs about money were fueling how money flows in, or out of your life? Take ...

How to Make Thousands of Dollars Every April

katemcn@comcast.net — Wed, 5 May 2010 5:02:26 pm

It’s tax time again, and many business owners were crying in their green beer just a few weeks ago. Unlike employees at conventional jobs, entrepreneurs are acutely aware of the amount of money that they contribute in taxes, because they’re responsible for the cost of making all the ...

Securing Advances-No Transfer of Ownership or Possession

joshuanyamache@yahoo.com — Tue, 1 Jun 2010 9:59:55 am

Figuring out the best way of securing long and short term loan from financial institutions is what many businesses do. Let us be frank here that there are a times when your business runs out of working capital. Most businesses prioritize borrowing from banks. Do you also secure advances from ...

Important Accounting Terms used in the Business

maryleojoyce@gmail.com — Tue, 6 Apr 2010 12:00:00 am

Accounting is the foundation for every business. Even though a business man has the skill to manage his employees, the vendors and all other administration work, he needs an accountant to maintain his transactions properly. He wants to sit with them and sort out if there is any issue. If he ...

The Case for the Self-Directed IRA

wisewomeninvestor@yahoo.com — Fri, 23 Apr 2010 2:51:12 pm

Emily is a professional woman with an active business and is a very busy person. So busy in fact, she depends on her financial advisor to invest her hard-earned retirement savings with the hopes of compound wealth with safe, secure investments. Emily is lucky. So far, she has not lost a dime ...

How to Conduct Due Diligence For Online Annuity Rates

lisa@advisorworld.com — Wed, 21 Apr 2010 4:03:10 pm

Are you curious about how to find annuity rates online? If you are new to the subject of annuities, then more than likely you are interested in finding the best rates. However, this process can be a little more troublesome for those who do not have sufficient knowledge on the topic. There is no ...

Understanding What Impacts Your Credit Score

mhudson@progrexion.com — Fri, 16 Apr 2010 3:21:07 pm

You know what a credit score is, but do you know how it is added up? The major credit bureaus each use their own variation of the Fair Isaac Corporation’s FICO method. This method breaks your score down into weighted categories, allowing your score to be determined based on the ...

Get rid of Your Payroll Headaches

maryleojoyce@gmail.com — Mon, 29 Mar 2010 12:00:00 am

It is obvious that Entrepreneur tends to get stress during the financial year end. Generally, Year end is the time to plan smart and to work hard. Lessening your stress will improve the smartness and more importunately, it would improve your life too. One of the major expenses your company ...

Home Mortgage: Americans Prefer To Play It Safe Before 50

refinanci@gmail.com — Fri, 26 Mar 2010 8:52:00 am

Owning a home is really a matter of freedom of choice. Whatever your age may be, in the heart of every homeowner burns an intense desire to own their home free and clear. Even if you are a retiree carrying forward your mortgage into retirement, the choice is entirely yours, though it might give ...

Comparing Annuities For Investment Purposes

lisa@advisorworld.com — Wed, 24 Mar 2010 1:31:00 pm

Most people shopping for an annuity are looking for a way to save for a child's college fund, or for a future retirement. Annuities are either deferred or immediate. Immediate annuities require a lump sum investment and start paying out on the following month, while a deferred annuity requires a ...

What is Annuity Insurance and How Can it Benefit Your Retirement?

lisa@advisorworld.com — Wed, 24 Mar 2010 12:59:00 pm

Annuity insurance is an excellent way for individuals to prepare for their retirement. Typically, it involves investors providing a certain amount of funds to insurance companies who are able to grow these investments over time and provide a return. One of the more common reasons why a person ...

How to Attain Financial Stability in your Business

joshuanyamache@yahoo.com — Tue, 8 Jun 2010 5:15:41 am

Frankly, financial stability is what every businessman desires. The growth of any business is greatly determined by finance. I was really thinking and I concluded that no business can do without finance-it is the lifeblood. Funds are required for various purposes. Let me define what finance is ...