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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

Regulator says Fannie, Freddie might sell bad assets (Reuters)
Reuters - Fannie Mae and Freddie Mac may sell some bad assets to the Treasury Department but a decision has not yet been made, the regulator of the two mortgage finance companies said on Sunday.(Sun, 05 Oct 2008 18:43:47 GMT)

Mortgage forgiven for woman, 90, who shot herself (AP)
AP - Mortgage finance company Fannie Mae said it is forgiving the mortgage debt of a 90-year-old woman who shot herself in the chest as sheriff's deputies attempted to evict her.(Sun, 05 Oct 2008 14:23:04 GMT)

Allianz, others consider buying AIG's Japan units: reports (AFP)
The headquarters of German insurance giant Allianz in Cologne. The group and other major insurers are considering buying American International Group's three life insurance units in Japan, news reports said(DDP/AFP/File/Henning Kaiser)AFP - Germany's Allianz Group and other major insurers are considering buying American International Group's three life insurance units in Japan, news reports said Saturday.(Sat, 04 Oct 2008 07:52:04 GMT)

AIG to sell Japanese life insurance units (Reuters)
A man walks past a sign board for American International Group Inc's (AIG) Japanese units at its headquarters in Tokyo October 4, 2008. American International Group Inc's Japanese unit said it would sell its three local life insurance businesses, Alico Japan, AIG Edison Life Insurance Co. and AIG Star Life Insurance Co., according to a report from Nikkei Business News. The sign board reads (from top to bottom) Alico Japan, AIG Star Life Insurance Co. and AIG Edison Life Insurance Co. (Issei Kato/Reuters)Reuters - American International Group Inc, plans to sell its three Japanese life insurance businesses, an AIG spokesman said on Saturday, in sale Japanese media estimated could top $9.5 billion.(Sat, 04 Oct 2008 06:14:39 GMT)

2 firms selected for mortgage securities program (AP)
The US Treasury said Friday it had taken on Barclays Global Investors (BGI) and State Street Corp. to manage the mortgage debt purchased in its takeover of Fannie Mae and Freddie Mac.(BGI)AP - The Treasury Department has picked two financial institutions to manage a program it unveiled last month to provide support for beleaguered mortgage-backed securities.(Fri, 03 Oct 2008 22:39:51 GMT)

AIG to keep core insurance, sell assets to pay U.S. loan (Reuters)
The logo of American International Group (AIG) is seen at their offices in New York September 22, 2008. (Eric Thayer/Reuters)Reuters - American International Group Inc , crippled by losses on bad mortgage bets, said on Friday it will focus on its main insurance operations and put the rest of its businesses up for sale to repay up to $85 billion borrowed from the U.S. government.(Fri, 03 Oct 2008 20:00:07 GMT)

Toyota announces zero-percent financing (AP)
AP - Toyota Motor Corp. has announced zero-percent financing on 11 models as it tries to woo would-be buyers sidelined by the consumer credit crunch.(Fri, 03 Oct 2008 10:59:42 GMT)

30-year mortgages rise to 6.10 percent (AP)
The US Treasury said Friday it had taken on Barclays Global Investors (BGI) and State Street Corp. to manage the mortgage debt purchased in its takeover of Fannie Mae and Freddie Mac.(BGI)AP - Rates on 30-year mortgages have risen for a second straight week, climbing to the highest level in a month.(Thu, 02 Oct 2008 16:18:24 GMT)

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