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Personal Finance Guide


Why Should I Make a Budget?

You say you know where your money goes and you don’t need it all written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month and I do mean every penny. You will be shocked at what the itty-bitty expenses add up to. Take the total you spent on just one unnecessary item for the month, multiply it by 12 for months in a year and multiply the result by 5 to represent 5 years. read more

Car Loans: What You Need to Konw

Car loans are the loans that are used for financing the purchase of a car, paying whose price in cash is not quite affordable because of the huge tags of price attached to them. People take loans for financing cars, which they find as the best way of buying a car, because disposing such big amounts at a time is not very feasible for any average individual. Only very few people, with strong bank balances can afford to buy cars by paying in cash. But the best way of financing purchase of cars is by grabbing car loans, which are much more accessible and also involve low interest rates and easy installments. read more

The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs. A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply. In most cases, these fees and charges won’t get noticed by the user until it is too late. Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year - and not even realize it. read more

Choosing Your Credit Card

As you probably already know, there are many credit cards out there. The one you choose however, should reflect your lifestyle and your ideal spending amounts. If you are looking for the best possible deal and the best company for your credit card, you’ll obviously need to look around at what you have to choose from and what works best for you. read more

Understanding Re-Financing

Understanding the process of re-financing can be quite dizzying. Homeowners who are considering re-financing might initially be overwhelmed by the number of options available to them. However, after taking some time to educate themselves about the process, they will likely find the process is not nearly as daunting as they had imagined. This article will discuss some of the options available to those interested in re-financing as well as some of the important factors to consider in order to determine whether or not refinancing is worthwhile. read more

How Much Money Should You Invest?

Many first time investors think that they should invest all of their savings. This isn’t necessarily true. To determine how much money you should invest, you must first determine how much you actually can afford to invest, and what your financial goals are. read more

Determine Your Risk Tolerance

Each individual has a risk tolerance that should not be ignored. Any good stock broker or financial planner knows this, and they should make the effort to help you determine what your risk tolerance is. Then, they should work with you to find investments that do not exceed your risk tolerance. Determining one’s risk tolerance involves several different things. First, you need to know how much money you have to invest, and what your investment and financial goals are. read more

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Personal Finance News

No bank account? Get your tax refund on plastic
AP - A new Treasury Department program to give people without bank accounts faster access to their tax refunds will help some avoid costly short-term loans. But careless consumers could end up racking up fees and padding bank profits. (Thu, 02 Sep 2010 12:18:39 GMT)

Why It's Harder to Be a Clueless Consumer
U.S. News & World Report - American consumers hate being told what to do, and to prove it, we routinely make choices that are irrational and counterproductive. We make impulse purchases we can't afford. We build bigger houses than we need, chaining ourselves to an onerous mortgage for years. We drive rugged, four-wheel-drive vehicles even though we never leave the pavement. We buy Snuggies. (Wed, 01 Sep 2010 19:54:10 GMT)

5 Ways to Simplify Your Personal Finances
U.S. News & World Report - If you're combining your life with a new spouse, moving from one house to another, or just frustrated with the amount of documentation you have filed (or unfiled) in your basement, it's a good time to simplify your finances. Simplification is not only practical, it is beautiful. This is the concept of kanso, a Japanese aesthetic usually applied to gardens. Through a stretch of the mind, we can apply this beauty to our lives and our finances. (Wed, 01 Sep 2010 16:42:10 GMT)

Mortgage applications rise 2.7 pct on low rates
AP - Mortgage applications rose 2.7 percent last week as more borrowers took advantage of the lowest rates in decades to reduce their monthly loan payments. (Wed, 01 Sep 2010 15:41:27 GMT)

The Great Value Investors Are Heading West
The Motley Fool - When Berkshire Hathaway (NYSE: BRK-A - News) was buying railroad company Burlington Northern last December, Warren Buffett told Matt Rose: "I've seen what's been done here [in the U.S.]. I think I know how the country is going to develop. I think the West is going to do well. I'd rather be in the West than the East. So I really don't have much of a worry about that." (Wed, 01 Sep 2010 15:26:07 GMT)

The True Risk of Bond ETFs
The Motley Fool - In coming up with ways to protect their portfolios, many investors draw on lessons learned from their most recent mistakes. Unfortunately, most people right now are taking the lessons they learned from the 2008 bear market and buying bonds, which could easily prove to be far riskier than they thought. (Wed, 01 Sep 2010 14:14:48 GMT)

Downsize for a More Affordable Retirement
U.S. News & World Report - Most people think retirement planning is about saving, investments, and the timing of retirement account withdrawals and Social Security benefits. Ensuring you have sufficient income is definitely one of the most important aspects of retirement planning. But so is controlling your expenses. One way you can do that is by downsizing your current lifestyle. Here is how controlling costs can help you prepare for retirement and still enjoy a nice standard of living. (Tue, 31 Aug 2010 19:48:29 GMT)

Ron Paul: Financial Reform Solved Nothing
The Motley Fool - "The American people will never again be asked to foot the bill for Wall Street's mistakes. There will be no more taxpayer-funded bailouts. Period."-- President Barack Obama, after passage of financial reform legislation (Tue, 31 Aug 2010 19:48:21 GMT)

Summary Box: AIG's sale of Taiwan unit on rocks
AP - NO WAY: Taiwanese regulators have rejected Primus Financial Holdings' planned purchase of AIG's Taiwan life insurance unit. (Tue, 31 Aug 2010 17:46:42 GMT)

Taiwan rejects Primus purchase of AIG unit
AP - Taiwanese regulators on Tuesday rejected Primus Financial Holdings' planned purchase of AIG's Taiwan life insurance unit amid concerns that the Cayman Island-based firm may be backed by funds from rival China. (Tue, 31 Aug 2010 11:12:04 GMT)

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