The stock market was down almost 45% this year. Housing values are down 20% and unemployment is at an almost all time high. Social security and Medicare are running out of money and may be non-existent in our lifetime. The question is, how have your long range financial expectations changed? Do you still feel secure in your financial future? No one wants to be a pessimist but it is important to be a realist, especially now. One thing that’s for sure, if you continue to do the same things you’ve always done you can expect the same results.
There is good news out there. A lot of people are doing quite well during these recessed times... Read More
Small Business Success Tips – Finances
Starting with fifty dollars or starting with five hundred thousand, a small business owner must, must, must have a handle on his finances if his business is going to survive.
You don’t need a degree in accounting to apply common sense or to take good advice. You do need a little self-discipline, but that comes fairly easily if you understand the reasons behind keeping track of your finances. After all, you have no problem doing what you consider the important parts of your business.
Accounting, bookkeeping, financial management, call it what you will, is more than a necessary but boring task. Money is a resource that you are using to help create your future — your many futures: next week, next month, next year, ten years from now... Read More
Managing Your Medical Finances With PMA
One of the most difficult things today is managing your medical finances. Medical billers and coders are in demand among the health related businesses. According to the US Bureau of Labor Statistics (BLS), health information technicians are one of the largest growing occupations. It is a challenging and interesting career and it allows you to compensate according to your level of skills.
Medical billers and coders are aware about this fact and they feel good about the support they provide to physicians, clinics, hospitals, and patients in a large way. They play a very important role in the business and the office where they are employed for medical billing... Read More
Personal Finances Budget 2
In Part 1 of Personal Finances, Creating a Budget, we talked about creating a budget for your personal finances. I know, I detest the word budget too because it feels so confining or restricting. But actually what’s going to happen when you create a personal budget for yourself or your family is just the opposite. YOU will gain control of your life. YOU will gain control of YOUR money.
If you missed the first article make sure you go through it before you continue on to this next section. Also be sure to pick up your FREE Simple One Page Budget at our website: Personal Finances Online dot com.
Okay then, here we go…
If you’re one of the lucky ones and your income covers all of your expenses, then you still may need to consider putting some more m... Read More
Learning to Manage Finances in College
When you are choosing a college to go to, there are many different factors you will want to consider with your choice. Take the time that you need to understand how you are going to be smart about the decision you finally make.
First, you want to make sure that you are taking the time that you need to understand what you can afford. There are a lot of people that have a hard time understanding how much money they are going to have to spend in college.
When you are in college you are going to have to pay for a lot of things. You will have to pay for your tuition and books but you will also have to pay for your rent and for the food that you are eating every day.
There are a lot of people that have a hard time understanding how they are go... Read More
January Is ‘Right Time’ For People To Organise Finances
Now is the time when people should be looking to get to grips with their finances, an industry expert has declared.
According to Donald Macleod, head of cards at “Sainsbury’s Bank, the new year provides the ideal opportunity for consumers to sort out their money management and clear debts which they accrued over the festive period. Pointing to recent research from the firm, he stated that about two-thirds of Britons expect to have cleared off their seasonal debt by the end of this month, while the majority of people will be “quite comfortable” in getting back into the black by the time next Christmas rolls around... Read More
Get Your Personal Finances In Shape Now
Personal finance is all about making choices. There are, of course, right choices and wrong choices. Sometimes, of course, right verses wrong is dependent on the particulars of the situation. More often than not; however, when it comes to personal finance, some choices are more likely to be wrong than they are right as it is noted in this article.
It is important to remember not to risk more than two or three percent of your trading account. This will help you to keep your account longer, and be able to be more flexible when things are going good or bad. You will not lose everything you have worked hard to earn.
Start saving money in a regular savings account... Read More
Put Your Finances In Order
Copyright (c) 2013 Mr Colon R Bolden
Doing anything for the first time can be scary, that’s why you need to make sure you have your finances in order or as safe as possible. The safer you feel about your finances and the more control you have, the more likely you’re come up with the best solution for your money. The first key to financing your money right has nothing to do with how much money you make or how much risk you take. In fact, smart people know that it don’t involve any risks at all and if you decide to take a risk you might loose it all wondering why did I do it.
Successful people minimize the risks and maximize their gains by investing. That’s what makes it all so attractive and worth while in the long run... Read More
New Year Resolutions for Your Finances
Start off the new year right. Make these resolutions for your finances.
One of your new year’s resolutions may be to take your relationship with money more seriously. Here are 7 resolutions for your finances you can make right now to take more control of your money.
1. Make an early contribution to your IRA, 401k, Roth IRA, or other retirement plan for the calendar year and tax year 2012.
2. With your bookkeeper and accountant, there are 2 resolutions for your finances. Call your bookkeeper and ask him/her to update your books through 12/31/2011 as soon as possible. Then, schedule a meeting with your accountant to review your tax liability. Don’t wait till March to do this. Get ahead and stay in control.
3... Read More
Personal Finances and How to Manage Them
They say money can’t buy you happiness, but it provides you comfort in life. Worries over financial matters in the family can increase tension. Managing your personal finances can save you and your family from a lot of trouble. Here are areas you have to bear in mind and why you should manage your personal finances:
* Necessities of the family. You have to save money so that you can buy groceries and other personal necessities of yours and your family, and to be able to tend to other things such as water and electricity bills, maybe school tuition of your kid, school supplies, fixtures, fixture repairs and the like.
* Unforeseen Casualties... Read More
How To Manage Your Finances – 8 Tips To Take Control of Your Finances
How to manage your finances is one of the important components of having a good life. Whether you have a smaller income or a better one, you will truly save yourself from a lot of worries and trouble if you know how to manage your finances well.
(1) Set priorities carefully plan your finances. Know your wants and your needs. Do not be confused with what you need and what you want. If you want to make big purchases like getting a home or a car, careful planning will be your key to make it a little easier.
(2) Make a budget. It is always helpful to make a guide on your spending for the next few months... Read More
The Top 10 Ways to Take Back Control of Your Finances
If you’re like many people these days you have a least some issues regarding your personal finances. Far too many people are living paycheck to paycheck and are barely keeping their heads above water. These people often find themselves being just one missed paycheck from financial disaster. History shows financial disasters.
Perhaps you are only making the minimum payment on your credit cards each month. You could be one of the unfortunate people who are finding they need to use their credit cards for regular expenses like groceries. Or maybe you just feel like no matter how much you make, you seem to spend it as fast as you get it.
Whatever your situation you probably just want to regain control of your personal finance... Read More
Reviewing Spending Is ‘Crucial’ To Managing Finances
Thousands of Britons could be set to take their initial steps towards getting to grips with their finances later this week, it has been suggested.
The news comes as Axa officially launches My Budget Day this upcoming Wednesday (November 21st), which will see employers give their staff an hour off during their working day to manage and plan their finances. And with an estimated 250,000 people set to take part in the event, many consumers could find that taking such time may help them to manage their money better and get into a more advantageous position to make repayments on loans, utility bills, mortgages and other sources of financial demand.
Meanwhile, research carried out by the firm earlier this year revealed that ju... Read More
Two Habits That Spell Disaster for Your Finances
In today’s culture, it’s very easy to compartmentalize our lives. In fact, many organization specialists say that this is the best way to keep track of the many elements of our busy lives. That’s because having a system works.
But you need to keep in mind that all the areas of your life are linked. For instance, poor relationships can cause serious health problems. And poor parenting skills will hurt your children’s chances for success.
Well, your finances are part of your overall world. When other areas are negatively hit, it causes serious problems with your finances. With that in mind, there are two habits most people don’t connect to finances, but I’ve found will often cause major financial trouble.
The two habits are no... Read More
What You Need To Know About Finances and Divorce
A divorce process is one of the most stressful, overwhelming experiences you will face in your lifetime. It’s hard enough dealing with the present without deciding your financial future by choosing one property settlement over another, but you must be practical.Divorce and Your Family
If you have very few possessions and no children as a result of the marriage the process may be very simple: “You get the kettle and I keep the crock pot”, but when children are involved and/or there are considerable assets accumulated throughout the life span of a marriage, many financial decisions must be made that not only take care of immediate family needs, but retirement needs as well.
You should develop detailed monthly household budget... Read More
Up Close With Personal Finances
It should not be surprising if the news would announce that personal bankruptcy had broken the record and reached an all-time high. Nowadays, personal budget and keeping with it have become more of an exception rather than a rule. Very few people practice self-control in terms of spending habits which then later on find themselves deeply entrenched in their own web of loans and debts.
To manage personal finances properly, it is best to come up with a personal budget. Through this simple financial planning, one can analyze on paper what he can purchase with his resources and how much resources he can earn over a period of time.
To start making his personal budget, he must first list down all his current accountabilities... Read More
Should I Discuss Finances Before Marriage?
So you plan on getting married soon, and there’s just something that you’ve had on your mind, but you just don’t know what you should do or how you should say it. That would be the questions you have concerning your future spouse’s finances. You really need to know something about the finances before you say I do! You really don’t know how your future spouse has paid their bills and you just need to know now before it becomes a problem later on. What to do before the ‘I DO”.
Well, as the old saying goes you can’t live on love, you need money to survive! Finance questions before marriage will help you and your future partner understand where you both are financially before marriage.
If your future spouse is not able to con... Read More
Separating Business And Personal Finances
Money management is one of the most difficult tasks that a small business owner must face. In the early days, you may have a very uneven income stream, putting out personal income for startup expenses and operating at a loss. As your business grows, it may become your primary source of personal income. Especially if you work alone or have only a few employees, it is easy for your business finances and personal finances to become intertwined. However, for many reasons, it is important that the two remain separate and distinct. Provided here is a guide to separating your finances. Get the lesson on Personal Finance that your school forgot to teach you!
Why Should I Separate My Finances?
The most important reason for separating your busine... Read More
Personal Finances – Your Key to a More Comfortable Future
The business of effectively managing the detailed transactions that are occurring daily on a business or a personal level is complicated. It will involve the use of an automated program. That is why most folks are contented with troubleshooting rather than guiding their finances; to steer clear when they see rocks ahead, and not before that. At the very least, they are willing to find the best way to plan their finances through intuition. Start and learn early as a teenager.
Money matters cannot be made to rely on intuition
Intuition and feeling have very little to contribute when you need to compute things. In fact, they may get in the way... Read More
How To Acquire A Health Insurance Quote
No one knows when they will get into a car accident or face a sudden illness such as cancer. With all the uncertainty in life, it is important you have your finances in order to pay for medical care in case of an emergency. That is why you need health insurance coverage. You can find the best policy today by getting a health insurance quote.
You can purchase insurance coverage from thousands of companies around the world. Each policy has its own rules and requirements so it can be a little confusing when you are choosing one. To begin, request a quote from three or four companies that you are most interested in.
When you request an official quote, the insurance company will send you some paperwork to fill out... Read More