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personal finance

Sharing Knowledge on Personal Finance Tips

With commodity prices and fuel prices always on the rise, it is very important for one to manage their finances efficiently. Although there are plenty of books on this vital topic, the basics of holding a good financial status at all times remain the same. A few important tips that will ensure your financial security...

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Giving a Monthly Analysis of Your Expenses

One of the best financial tips would be to give a monthly analysis of your expenses. It may be bills, grocery expenses, home rent, or fuel for the car. Some of the regular expenses that you need to pay every month should be calculated and such amount should be kept aside from your income. From...

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The Infinite Banking Concept

The essence of the Infinite Banking Concept is how to recover the interest that you normally pay to a banking institution through the use of dividend-paying life insurance. This way the policy owner makes what a banking institution does. It is a third alternative to making a purchase. Instead of losing opportunity cost on cash...

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7 Reasons Your Budget Isn’t Working

7 Reasons Your Budget Isn’t Working

In recent years, stretching a dollar has become something akin to a magic act. However, it simply must be done to make ends meet. To accomplish this, a personal or household budget is a must! Unfortunately, sometimes your carefully designed budget doesn’t do what it’s supposed to. So, here are seven reasons your budget may...

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Pension or 401k

Pension or 401k: Opt For the Best

You always need to confirm the value of your retirement income. I have seen a number of blogs and websites where it was clearly mentioned that the 401(k) is a retirement savings vehicle, but now the question is how effectively people use their 401(k). Conversely, people think that company pensions or other lifetime income allowances...

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Finding Powerful Saving Rates Online

Finding Powerful Saving Rates Online

Many people are underwhelmed by the rates they earn through savings accounts. Luckily, you can follow a few easy tips to maximize your savings rates and earn more money. The Difference between Bricks and Mortar and Online Accounts is that account holders only gain between 0.2 and 0.5 percent yield on their standard savings accounts. Many...

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Control Over Our Finance Is Not So Easy.

Control Over Our Finance Is Not So Easy.

Keeping control over our finances is not as easy as we think. Few people can hit this mark positively while most fail to succeed in this process. Achieving a financial plan is highly desired yet difficult for most to succeed. Normally, we can find lots of articles published on the web for financial planning. We...