Personal Finance

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How to Get Out of Debt

If you’re living with a large debt, putting together a budget — an itemized account of income and expenses — is only the first step to getting your financial house in order. You may need to take some bold [more…]

Buying an Owner-Occupied HUD Home

First-time buyers often finance their homes through the federal government, primarily by way of FHA-insured loans. When the property owner fails to make mortgage payments on the property, FHA initiates [more…]

How to Use Quicken to Track Your Loans

Quicken has the ability to keep track of all of your loans — not just how much you owe, but how much you pay each month, how much of that payment is interest, and how much of that payment reduces the amount [more…]

The Types of Bankruptcy

If you’re filing for bankruptcy, your basic choice is between a bankruptcy that doesn’t involve any type of repayment plan (Chapter 7 bankruptcy) and one that does [more…]

Taking Steady Investment First Steps

Before you invest in anything, you first must make sure that you have a strong economic foundation. If you don't, your situation is like building a brick house on shifting sand. You need to ensure that [more…]

How to Travel on the Cheap

All travel seems to have the same basic expenses: food, accommodations, and fun activities. What you spend on these travel costs can amount to a lot or a little. The difference depends on where you go, [more…]

Foreign Exchange Markets: 24-Hour Trading

The foreign exchange (forex) market is open and active 24 hours a day from Monday morning in New Zealand through Friday night in New York. At any given moment, currency trading desks in dozens of global [more…]

Liquidity and the Foreign Exchange Market

The foreign exchange (forex) market is often described as the world's most liquid financial market, and that's true. But it doesn't mean that currencies aren't subject to varying liquidity conditions that [more…]

Savings Bonds Pros and Cons

Returns on savings bonds are so low that they’ll never make you rich. In fact, returns are so low that large pension funds and other big investors don’t purchase savings bonds. However, for many individuals [more…]

The Evolution of Day Trading

With the advent of the telegraph, stocktraders could receive daily price quotes. Many cities had bucket shops — storefront businesses where traders could bet on changes in stock and commodity prices. They [more…]

How to Expand Your Wardrobe on the Cheap

You can add to your wardrobe without going into debt. With these simple wardrobe-expanding tricks, you can keep your entire family stylishly clothed and stay in the black. [more…]

What Is a Trust?

A trust agreement is a document that spells out the rules that you want followed for property held in trust for your beneficiaries. Common objectives for trusts are to reduce the estate tax liability, [more…]

How to Develop Good Shopping Habits

Shopping can often feel like a black hole on your finances. To keep your shopping trips from turning into a spending frenzy, use these habits and think about how you can spend more thoughtfully. [more…]

Considering Annuity Investments for Retirement

As baby boomers enter retirement age, estate planning and sound investing loom large as they plan for a happy retirement and for leaving their children a legacy. Annuities offer a way to invest your money [more…]

Examining Fixed Deferred Annuity Investments

A fixed deferred annuity is the insurance industry's version of a savings account. It helps you earn a modest rate of interest safely and allows you to postpone the payment of income taxes on your earnings [more…]

The Art of Short Selling

Traditionally, investors and traders want to buy low and sell high. They buy a position in a security and then wait for the price to go up. It's not a bad way to make money, especially because if the country's [more…]

Stick to Investment Basics in a Down Market

Market turmoil causes investors to question their own judgment and seek different approaches, but the only thing investors really need to do is follow some fundamental principles. Consider the following [more…]

How to Save Money in the Kitchen

Every tip helps when you’re trying to save money in the kitchen, so here’s a list of easy ideas to help cut the cost of family meals. [more…]

The Cost of Bad Credit

Bad credit costs you in more than the extra interest you have to pay. Bad credit can lead to reduced opportunities, family stress, and having to associate with lenders who see you as a mark. Here are some [more…]

Investing in Corporate Bonds

Oh sure, the strength of our economy and the vigor of our industry rely much on the progress of science, the foundations of democracy, and the labors of a motivated and educated workforce. But what [more…]

Valuation Ratios for Investment Analysis

With valuation ratios, a company's stock price enters your investment analysis. Valuation ratios include the ever-popular price to earnings (P/E) ratio, along with price to sales [more…]

Seasonal Grocery Sales

Many food items go on sale at regular times from year to year. Throughout the year, various food items are seasonally offered at discounts. For example, March is National Frozen Food Month in the United [more…]

The Benefits of Mutual Fund Investment in an Uncertain Economy

People invest in mutual funds for four fundamental reasons: professional management, diversification, convenience, and marketability. The following sections outline these benefits, which make mutual funds [more…]

What to Include in a Simple Will

Almost always, a simple will is the will of choice for you. A simple will is a single legal document that applies only to you (unlike a joint will for you and your spouse). A simple will describes [more…]

Short-Selling in an Uncertain Economy

Short selling involves selling a stock you don’t actually own in order to profit from a decline in price. So when you short a stock, you want the value to drop. [more…]


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Personal Finance