Personal Finance Information

How to Choose Wisely a Credit Card


So, you've made the decision to apply for a credit card. It's an important step for any consumer.

Budgeting Before Buying


With interest rates being at an all-time low, I can understand the urgency for people wanting to purchase a home. But I caution the first-time home buyer to learn how to budget their money before buying a new home.

Is There A Retirement Crisis?


When people speak about the increasing age expectancies, they generally do so with positive connotation. This author agrees-there's nothing wrong with living longer, especially if we can sustain our quality of life at each period throughout our lifespan.

Do You Know What Tomorrow Will Bring?


I've been sharing the following idea with people for a few years now, and realized recently that I had never written specifically about it. So here it is:"I cannot predict the future.

Live Green; Save Green!


Have you seen the recent article on a new "green" residential high rise in Battery Park? It's called The Solaire. For a look at the hopeful future of architectural efficiency, check out the myriad of cost saving and environmentally-friendly features of the building:http://www.

Reduce College Debt with Scholarships


Six Scholarship judges were sitting around an oval table. Forms were piled into 50 boxes.

What Happens if You Die Without Making a Will


If you die without making a Will in the UK, the state will decide who gets what and how much, so those who you would want to benefit may get far less than you hoped.Your estate (your property and all belongings) are frozen and become subject to the law of intestacy.

Vesting and Your 401(k)


Do you have a 401(k) retirement account? Are you vested yet? Before you move on to your next job, it is critical for you to find out if you are fully vested in your retirement account before you make the move. If you are not, you could lose hundreds if not thousands of dollars in employer contributions.

Should You Borrow From Your 401(k) Account?


If you have a 401(k) account, it can be very tempting to borrow from your account especially when your balance is very high and a loan could easily pay off existing debt, fund a home purchase, or pay for college tuition. Before you make the decision to borrow money, there are several things you must keep in mind to avoid risking your funds.

If I Had a Structured Settlement, I Would Use It to Pay for Gas


Has anyone been to the gas pumps lately? Soon $3 a gallon will be the asking price and we'll either have to become cyclists or create some additional income. I plan to do both of course because you can balance thrift and greed pretty well as you ride your bike to work.

Why We Are Never Satisfied with What We Have


I have to admit, I do it too. I complain.

Ways to Save Energy and Slash Electricity Bills


1. Lighting & Light Bulbs Install low energy light bulbs in rooms you use regularly - they last up to 15 times longer than a normal light bulb and provide the same lighting for a quarter of the running cost.

Save Your Money, Dont Give to Charity Scammers


**If it's Spam, it's a Scam!- If it sounds too good, if it shows up in your bulk folder or your spam folder - don't touch it, just delete it**Check out the charity- You can find some charity info at the BBB site www.give.

Help With My Annuity


The cries are heard from the distance, "I need help with my annuities." Nothing has changed.

Personal Finance - Have Consumers Had a Belly Full of Personal Debt?


For months, we were trigger-swipe happy, putting our groceries, clothes, holidays and service charges on our credit cards. We wanted mortgages, we took out loans, we watched Property Ladder and What Not To Wear.

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