Personal Finance

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Handling Stocks with Microsoft Money 2005

Keeping track of stocks is probably the most problematic task you will ever undertake with Money. Merely figuring out what a short sell is, not to mention a margin buy and a stock split, is hard enough [more…]

How to Make Your Will a Reflection of Your Wishes

Even the simplest wills are filled with confusing legal terminology. Discuss your will requirements with an attorney: Cover the value of your estate and your tax situation, the individuals and institutions [more…]

Growing Your Money in Bank Savings Accounts

All banks have savings plans where your money can earn interest and be safe. Savings accounts are the most common type of accounts in the U.S. You can open a savings account without a minimum initial deposit [more…]

Anatomy of a Commodities Index

As an investor interested in making money through index investing, you have five commodity indexes at your disposal. Although the composition and structure of every index is different, their aim is the [more…]

Selecting a Broker for Your Personal Finance Transactions

Discount and online brokerages have increased their customer service and added more servers so that customer trades are executed rapidly. Full-service brokers are increasing the capabilities of their Web [more…]

Qualified Education Expenses in Coverdell College Savings Plans

Education expenses that qualify for Coverdell College Savings Plans are those expenses that you’re required to pay if your student enrolls at an eligible school. Eligible schools include all public, private [more…]

Get Copies of Your Credit Reports

Your credit report contains information your current creditors and potential future lenders review to make decisions about your creditworthiness. You are entitled to one free copy of each of your credit [more…]

Building a Body of Trading Survival Techniques

Trading is not a risk-free activity. Although all traders know that losses are inevitable, they want to minimize those losses and be around to trade another day. But alas, you can enter the world of trading [more…]

The Life Cycle of an Annuity

Technically, every annuity has two phases: accumulationand income. During the accumulation phase, you put money in the annuity account (paying all at once or making a series of payments), and it grows [more…]

Investing in Renewable Energy

While crude oil and natural gas are always in the spotlight, they aren't the only energy commodities you can consider when you want to invest in energy. In the face of global warming and rising oil costs [more…]

Savvy Strategies in a Down Market

Beyond the basics, a smart investor can employ a variety of strategies to cope with adverse market conditions. Give some of these strategies a try: [more…]

Comparing Commercial and Residential Real Estate

Comparing commercial real estate to residential real estate is like comparing apples to oranges. Both are from the same genre, but that is where the similarities end. The following are general descriptions [more…]

Judging Your Broker's Recommendations

In recent years, Americans have become enamored with a new sport: the rating of stocks by brokers on the TV financial shows. Frequently these shows feature a dapper market strategist talking up a particular [more…]

How to Calculate 529 College Savings Plans Qualifying Distributions

Assuming that your designated beneficiary is a qualified student and is incurring qualified expenses, you now need to figure out just how much of a distribution you should make from your Section 529 plan [more…]

Recording Bond Transactions with Microsoft Money

A bond is really a loan that you make to a government agency or private corporation. During the life of the loan, the government agency or corporation pays you interest, known as the [more…]

Business Valuation: How Much Is a Business Really Worth?

The true value of any business is the sum of all the cash you receive from the business now and in the future. Business valuation involves answering two questions: [more…]

Distinguish between Secured and Unsecured Debt

Secured debt means that you’ve put something you own on the line in promise of paying what you borrowed. Unsecured debt requires repayment, too, but your lenders don’t have immediate rights to your property [more…]

Advantages of 529 College Savings Plans over Prepaid Tuition Plans

A Section 529 savings plan is, in many regards, an investment account. Although states may establish the rules, most of these state-sponsored plans are actually administered by mutual fund companies, or [more…]

Tracking Investment Markets with Indexes

Indexes, which measure and report changes in the value of a selected group of securities, give investors an instant snapshot of how well the market is doing. Through them, you can quickly compare the performance [more…]

How to Prepare Yourself for Stock Market Bubbles and Crashes

Stock market bubbles and crashes are a fact of life for investors. One of the most famous bubbles of the last century occurred in the so-called Roaring Twenties, which came to a startling end with the [more…]

Comparing Leasing a Vehicle with Buying Your Car

Leasing is a fast and easy way to get a car with little or no down payment. Monthly lease payments usually are less than loan payments for a new car. Additionally, you’ll encounter less paperwork, inspections [more…]

Reasons Why You May Want to Change Your Will

Your will is a living document. Although a will’s intent is to provide for what happens to your estate after you have died, your will needs to change as your life changes. Don’t make the mistake of putting [more…]

Listen Up: Microsoft Money's Telling You to Pay Bills

After a bill or deposit is scheduled, Money gives you ten days' warning to pay it. In other words, you get ten days to get out of Dodge, and if you don't heed the warning but stick around and gamble at [more…]

Setting Up Checking and Savings Accounts in Microsoft Money 2005

After you see the big picture and know what an account and a register are, you can create an account. In the next sections, you find out how to set up a checking account, savings account, and credit card [more…]

What College Expenses Qualify for Payment with Savings Bonds?

If you’re planning on using savings bonds to pay for college, you need to know what expenses are qualified for the purpose of redeeming these bonds tax-free. Although U.S. Savings Bonds are safe and reliable [more…]

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Personal Finance