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Personal Finance Management Guide

Personal Finance Management Guide
Quick and easy strategies for getting control of your money. An all-you-need-to-know introduction to managing and making the most of your hard-earned money.

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Atlanta Bankruptcy Rates Expected To Climb In Continuing Economic Decline
2009-03-05 03:34:00
To many Georgia residents, it's no surprise Atlanta ranked 8th in the nation on the Forbes.com list of metropolitan areas with the worst housing markets. The first quarter of 2009 has been a continuation of the declines the area saw through most of 2008. Jobless rates are the highest they have been in the history of the state, and foreclosure rates continue to climb.Bankruptcy attorneys and financial experts expect that bankruptcy rates will continue to climb until the economy turns around.Atlanta bankruptcy attorney Matt Berry says that many people may not understand bankruptcy or are not fully aware of the protections that it provides them.?If you are facing heavy financial burdens, the first thing you should do is talk with a bankruptcy lawyer,? Berry suggested. ?An attorney will have a deeper understanding of the different aspects of the law, and the advice that you get will allow you to make informed and educated decisions about your financial future.?Essentially, Berry explai...
More About: Economic , Climb , Rates

Truly Creative Ways Bail-out Companies Do to Save Money
2009-03-01 03:08:00
CITIBANK?S NEW OFFICE POLICYEFFECTIVE March 01, 2009Dress Code:1) You are advised to come to work dressed according to your salary.2) If we see you wearing Prada shoes and carrying a Gucci bag, we will assume you are doing well financially and therefore do not need a raise.3) If you dress poorly, you need to learn to manage your money better, so that you may buy nicer clothes, and therefore you do not need a raise.4) If you dress just right, you are right where you need to be and therefore you do not need a raise.Sick Days:We will no longer accept a doctor's statement as proof of sickness. If you are able to go to the doctor, you are able to come to work.Personal Days:Each employee will receive 104 personal days a year. They are called Saturdays & Sundays.Bereavement Leave:This is no excuse for missing work. There is nothing you can do for dead friends, relatives or co-workers. Every effort should be made to have non-employees attend the funeral arrangements in your place.In ra...
More About: Creative , Companies , Money , Save Money , Save

Filing Bankruptcy In Texas: What Can You Keep?
2009-02-27 20:20:00
Keeping your stuff is probably important to you. Faced with financial obligations that you are unable to pay, understanding the exemptions available in bankruptcy can help you take steps to preserve as many of your belongings as possible in a chapter 7 bankruptcy case.In the State of Texas , both federal and state bankruptcy exemptions are available for those filing bankruptcy. There are some limits on certain exemptions such as equity that you have in a home or in a vehicle.The law office of Robert A. Higgins and Associates, with convenient locations in the Dallas Fort Worth Metroplex has offered assistance to hundreds of clients looking for a way out of debt. Below is a brief summary of the exemptions available to those who file bankruptcy in Texas.Homestead: Unlimited, although, property cannot exceed 10 acres in town, village, city, or 100 acres elsewhere (200 per family). Sale proceeds exempt for 6 months after sale.Pensions: Tax-exempt retirement accounts, traditional and Roth ...
More About: Bankruptcy

What Does a Social Security Disability Attorney Do?
2009-02-25 02:01:00
If you are considering applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) benefits the expertise of a Social Security disability attorney can help. A Social Security disability attorney can increase your chances of receiving Social Security disability benefits at each stage of the Social Security disability application and appeals process.A Social Security disability attorney will not complete the Social Security disability application process, but if you have retained a Social Security disability attorney this may increase your chances of receiving Social Security disability benefits even at the application level. If you are denied Social Security disability benefits a Social Security disability attorney will complete the following tasks for you:1. The Social Security attorney will review all of your information and your initial Social Security disability application to make sure it included all relevant information.2. The Social Security...
More About: Attorney

Personal Finance Advice for Penny Savers
2009-02-18 20:56:00
Most of us probably resolve to be more sensible with money in these times. We?re going to live frugally, save regularly and not go into the red. But, mysteriously, within a few months we seem to have run up a credit card debt and blown our savings on a holiday. The truth is that you don?t need cast-iron discipline or the wisdom of Warren Buffett. Here are some easy steps to get from profligate to prudent this year- while still enjoying life.1. Junk useless direct debits. Don?t just go on paying for that life cover you don?t need.2. Use your credit card sparingly. Pull out the plastic when you absolutely have to have that have-price dress in the sales. But always pay it off before it incurs any interest.3. Find out your books balance. Get out all your bank statements and work out how much you?ve earned- include benefits and interest on savings- and how much you?ve spent over the past year.4. Bank online and check your balance twice a week. This will give you a clear idea of what?s go...
More About: Personal , Advice , Personal Finance , Finance , Savers

Confessions of a Shopaholic: Shopaholic Series- Book Review, Free eBook PDF
2009-02-18 01:52:00
The Secret Dreamworld of a Shopaholic (2000) (Confessions of a Shopaholic in the US) is the first in the popular Shopaholic series. It is a chick-lit novel by Sophie Kinsella, a pen-name of Madeline Wickham. It focuses on the main character Rebecca (Becky) Bloomwood, a financial journalist, who is in a serious amount of debt through her shopping addiction.Confessions of a Shopaholic is the book that made Sophie Kinsella a worldwide favorite author. In this book, she introduces Becky Bloomwood, a quirky and lovable character who has an addiction to shopping and an aversion to paying bills.Description:Rebecca Bloomwood just hit rock bottom. But she's never looked better.... Becky Bloomwood has a fabulous flat in London's trendiest neighborhood, a troupe of glamorous socialite friends, and a closet brimming with the season's must-haves. The only trouble is that she can't actually afford it--not any of it. Her job writing at Successful Savings not only bores her to tears, it doesn'...
More About: Books , Book Review , Series , Review

5 Ways to Tell the Winners from the Losers When Buying Stocks at the Bottom
2009-02-14 18:10:00
Right now lots of stocks look cheap. But there's a big difference between cheap and value stocks.If you want to find the perfect long-term investment when buying at the market bottom, be sure to follow David and Tom's five simple rules...Rule #1 -- Look for a deep moat.A deep moat makes it hard for competitors to assault a business and eat away at its margins.Take the online junkyard I told you about earlier...Because you have to have zoning and "use permits" to store and sell totaled vehicles, it's difficult for newcomers to break into the salvage business. Plus, the auto insurance industry is very fragmented with hundreds of area managers. Each area manager makes the decision about who will sell his or her totaled vehicles. That's why this company has spent over 25 years building solid relationships with these agents.But the deepest part of their moat is their extensive database of sale prices for millions of salvaged vehicles from millions of auctions. This allows the company...
More About: Buying , Stocks , Winners , Losers , Bottom

10 Things To Know If You Are Considering Bankruptcy
2009-02-12 06:49:00
If you are having trouble paying your bills, looking at your financial situation with a clear, objective view can be difficult. Seeking the help of a credit counselor or bankruptcy attorney can help you get a better understanding of what your options are to get out of debt. If you need help finding an attorney, look for one in your local yellow pages or search online using attorney locator services like Bankruptcy Home.com.Here are some things to think about if you are considering filing bankruptcy.1. If your monthly income is higher than the minimum payments on your outstanding debt, consider budgeting better and speaking to a consumer credit counselor to help reduce your debt.2. In bankruptcy, all creditors are treated the same. Don?t try to repay a large personal loan to a friend or family member within six months of filing bankruptcy. The bankruptcy trustee will likely sue to have the money returned and evenly divided among your creditors.3. Don?t cash out your retirement or 401(...
More About: Things

How to Get Cheap This Valentine?s Day: Inexpensive Gift and Date Ideas
2009-02-08 17:59:00
No money to spend on Valentine 's Day? Don?t worry. You can still have a romantic Valentine's Day date on a shoe string budget. The current economic atmosphere when one should be more concerned with prudence and thriftiness in spending habits, a frugal date, in my mind, is something to be lauded rather than repudiated.Date Ideas 1. Home dates. There's no shame in staying at home on Valentine's Day. Rent your favorite romantic movie and decide as a couple to plan the meal. Instead of going out to an expensive restaurant on Valentine's Day, select a dinner from a cookbook, shop for the ingredients and prepare dinner together. Dress up for the meal and eat by candle light to add flare to this cheap date idea. Then snuggle up with a blanket and watch your flick.2. Learn how to do a strip-tease and perform it for your partner. Then have sex. There is no better gift to your partner than your body. Spice-up your sex life. Do something different. If you are a guy that knows little about ...
More About: Lifestyle , Gift , Cheap

Stylish Wedding for Less at Dallas Bridal Show
2009-02-03 10:59:00
Samantha Rose Designs, Inc. (www.samantharose.us) recently participated in Dallas Bridal Show , 20th Year Anniversary Show last January 24-25, 2009 at Dallas Market Hall. Dallas Bridal Show is the premier bridal event in Dallas and the third largest bridal show in the United States with over 350 wedding businesses, ranging from the first steps of planning your wedding to the honeymoon.The show is the definitive bridal destination offering the latest fashions and trends in weddings. It featured the industry's top manufacturers of bridal gowns, both moderate and designer, bridesmaid?s gowns and mother of the bride, flower girl, jewelries, prom and special occasion resources.The three-day bridal show was designed for one-stop shopping, with plenty of money-saving specials and prizes. Wedding cost can be reduced during economic recession without stripping all the beauty from one of life's most special ceremonies. In line with this theme, SamanthaRose.us showcased its latest affordable ...
More About: Lifestyle , Stylish

The Law of Financial Success- FREE pdf eBook Download: Personal Finance Adv
2009-01-24 00:14:00
Publish at Scribd or explore others: Business eBooks personal finance adv the law of financial To download this FREE pdf eBook, click here: The Law of Financial Success- FREE pdf eBook Download Excerpts from"The Law of Financial Success"by Edward E. BealsBook DescriptionThis book was written in 1907 by an anonymous author, and has been analyzed and revised. It seems that it was crafted by Atkinson, Beals and maybe Wattles. These teachings probably contributed to Mega Hit Books such as: The Science of Getting Rich by Wallace Wattles, The Master Key System by Charles Haanel and maybe Napoleon Hill i.e. Think and Grow Rich. In sum, this short book is a treatise on the fundamentals of Mind Science and New Thought focuses on supply, abundance, and character develoment. This philosophy been produced in a pocket size version for use in travel, autos, computer bags etc. Moreover, this book contains a nice size metaphysical glossary...
More About: Personal , Personal Finance , Finance

Crisis Investing - A Three-Pronged Working Capital Model (WCM) Strategy: Pe
2009-01-23 03:36:00
One of the great things about being a professional investor is the opportunity one has to apply his or her long-term experience to the investment environment that is unfolding (or coming unglued) in the present.If nothing else, most successful investors develop a consistent strategy that allows them to take advantage of short-term changes and the opportunities that they create in a somewhat unemotional manner. You can always tell a "newbie" by a "let's see how you do for a year" comment, or a "what's hot" question.Wall Street would like us to ignore the fact that the stock market is a cyclical beast that changes direction periodically, and almost never at the turn of a calendar quarter or year--- cycles vary in length, breadth, and direction. Inevitably, less experienced investors get caught with their portfolio egos unprepared for market realities.Similarly, Wall Street would like investors to look at income securities (bonds, CEFs, preferred stocks, etc.) with the same analytica...
More About: Strategy , Investing , Model , Working , Crisis

The Science of Getting Rich, FREE pdf eBook Download: Personal Finance Mana
2009-01-22 02:28:00
The Science of Getting Rich Publish at Scribd or explore others: Business eBooks personal finance edu personal finance for SCIENCE THE RICH Wallace D. Wattles Timeless wisdom and a practical, step-by-step prosperity program from a forgotten 1910 classic With a new introduction by Rebecca Fine GETTING OF SCIENCE THE RICH Wallace D. Wattles i GETTING OF ©1999 Rebecca Fine. All rights reserved. You are encouraged to share this book in printed or electronic form with as many other people as possible, as long as no changes are made, no fee is charged, and you include all the pages (two appendices at the end). The Science of Getting Rich Network www.scienceofgettingrich.net Download this book. Online discussion groups Audiotape version Free weekly newsletter Workshops Much more! Mission Statement: To inspire, encourage, and exemplify abundance thinking and a strong...
More About: Personal , Personal Finance , Finance

Obvious Signs that Your Dishonest Stockbroker is Making You Look Stupid
2009-01-12 21:34:00
A dishonest stockbroker can do serious damage to your net worth. While the vast majority of stockbrokers are good, honorable professionals who take their fiduciary responsibility seriously, some fall more accurately into the category of ?Stock Jockeys? who are only in it for their own gain. The good news is that, in the Information Age, it is much easier to spot a dishonest stockbroker.Dishonest brokers often ask their victims a steady stream of questions designed to derail honest investors from asking the right questions. In contrast, honest brokers encourage you to ask questions, provide you with additional educational materials, and make certain that you understand the risks involved in your investment decision. And if you decide not to spend your money, they?re untroubled by your investment decision.The National Futures Association has collected basic questions that are turn-offs for dishonest brokers. In the following list, I?ve tailored those questions to meet the needs of onl...
More About: Stupid , Signs , Obvious

The Investment Gods Are Angry- Working Capital Model (WCM)
2009-01-12 17:46:00
The Working Capital Model (WCM) is an historically new methodology, but with roots deeply imbedded in the building blocks of capitalism, and financial psychology--- if there actually is such a thing.The earliest forms of capitalism sprung from ancient Roman mercantilism, which involved the production of goods and their distribution to people or countries around the Mediterranean.The sole purpose of the exercise was profit and the most successful traders quickly produced more profits than they needed for their own consumption. The excess cash needed a home, and a wide variety of early entrepreneurial types were quick to propose ventures for the rudimentary rich to consider.There were no income taxes, and governments actually supported commercial activities.The investment gods saw this developing enterprise and thought it good. They suggested to the early merchants, and governments that they could "spread the wealth around" by: (1) selling ownership interests in their growing enterpri...
More About: Investment , Angry

Working Capital Model Investing? Investing Rules Of Engagement-The QDI
2009-01-03 15:00:00
Crash! The 2007 thru 2008 financial crisis halved 401(k), IRA, and Mutual Fund values in a matter of months. For many, retirement dates had to be pushed back; for others, new jobs had to be found. The tragic flaw? No income allocation in the investment program. Market value builds egos; income pays the bills.Few employers cautioned Savings Plan participants that 401(k)s are just not defined benefit programs. Few mutual fund distributors suggested to benefit departments that their programs were missing something of critical importance.Throughout the meltdown, all investment securities fell in market value. But the vast majority of income securities, including closed end income funds (CEFs), have continued to pay interest and dividends. Market value builds over-confidence; income pays the bills.The Working Capital Model (WCM) is a comprehensive system for investment management that is based on uncompromising rules of engagement. The investor's focus must remain centered on the develo...
More About: Investing , Rules

Tips You Should Know to Prevent Identity Theft During Holiday Shopping Seas
2008-11-28 10:58:00
With holiday season fast approaching, consumers are entering into the most active spending period of the year. Reinforced by the soft economy, this is "high season" for identity theft with identity thieves seeking to take advantage of shoppers. Identity theft generally rises during the holidays because thieves assume that consumers aren't paying attention to their credit card purchases, debit card purchases, receipts etc. as closely.One the leading provider of a new breed of services to help consumers safeguard their privacy and prevent identity theft is IdentityTruth. They are offering basic tips to help consumers to ?prevent identity theft? and avoid putting your identity at risk during the 2008 holiday season. In addition to watching budgets this season, consumers also need to be vigilant in the face of possible identity theft. 1. Use credit cards instead of debit cards: Under the Fair Credit Billing Act, Credit Cards provide consumers protection again fraudulent charges and you...
More About: Shopping , Lifestyle , Holiday , Tips , Identity Theft

ALL I LEARNED FROM NOAH'S ARK AND FROM MY DOG
2008-10-28 14:38:00
ALL I LEARNED FROM NOAH'S ARK 1. Plan ahead. It wasn't raining when Noah built the ark. 2. Stay fit. When you're 600 years old, someone might ask you to do something REALLY big. 3. Don't listen to critics, do what has to be done. 4. Build on high ground. 5. For safety's sake, travel in pairs. 6. Two heads are better than one. 7. Speed isn't always an advantage. The cheetahs were on board, but so were the snails. 8. If you can't fight or flee, float! 9. Take care of your animals as if they were the last ones on earth. 10. Don't forget that we're all in the same boat. 11. When the doo-doo gets really deep, don't sit there and complain shovel!!! 12. Stay below deck during the storm. 13. Remember that the ark was built by amateurs and the Titanic was built by professionals. 14. If you have to start over, have a friend by your side. 15. Remember that the woodpeckers INSIDE are... THIS IS CONTENT INTRODUCTION ONLY. Some bloggers scrape my contents without linking back. I'm so...
More About: Lifestyle , Learned

ALL I LEARNED FROM NOAH'S ARK AND FROM MY DOG
2008-10-28 14:38:00
ALL I LEARNED FROM NOAH'S ARK1. Plan ahead. It wasn't raining when Noah built the ark.2. Stay fit. When you're 600 years old, someone might ask you to do something REALLY big.3. Don't listen to critics, do what has to be done.4. Build on high ground.5. For safety's sake, travel in pairs.6. Two heads are better than one.7. Speed isn't always an advantage. The cheetahs were on board, but so were the snails.8. If you can't fight or flee, float!9. Take care of your animals as if they were the last ones on earth.10. Don't forget that we're all in the same boat.11. When the doo-doo gets really deep, don't sit there and complain shovel!!!12. Stay below deck during the storm.13. Remember that the ark was built by amateurs and the Titanic was built by professionals.14. If you have to start over, have a friend by your side.15. Remember that the woodpeckers INSIDE are often a bigger threat than the storm outside.16. Don't miss the boat. No matter how bleak it looks, there's always ...
More About: Lifestyle , Learned

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