Archive for September, 2009

  • Steps To Achieve Your Money Goals>
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    Steps To Achieve Your Money Goals
    How rich do you want to be in your lifetime? If you’re a college student you might say that you want to become one of the top ten richest men or women of this world. I understand, that your tremendous positive thinking, energy and emotion might have prompted you to say that. Fine! That’s well enough. But do you know how many people in this world have actually grown to accumulate the kind of wealth they have dreamt of in their lifetime? Reaching your money targets is not all that easy as you’ll be faced with a lot of planned and unforeseen expenditures in your life. Even external conditions like the present recession and inflation can play havoc with your financial endeavors. To achieve your goals you need to plan in a methodical manner and that involves planning in stages. Direction is  [...]
    at September 11th, 2009 at 04:09 am
  • Golden Advice for Gold Investments>
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    Golden Advice for Gold Investments
    Gold – that yellow lustrous metal has enchanted people for long. Not only the royal but even the common men have adorned themselves with gold. Unlike diamond and platinum, gold is not meant for the rich alone. And that’s what I like about gold. It’s within the reach of those who can afford to buy it with a bit of effort. Maybe that’s why people are thinking of investing in gold. Today, the good old gold is offering great investment opportunities due to its stable market value in the tough economic times. You might have heard about diamond investment opportunities being considered in the present times, but unlike diamond, gold has the advantage of higher re-salability and lower cost. You can consider investing in gold seriously now. However, you should remember certain things while going  [...]
    at September 10th, 2009 at 04:09 am
  • Fashion Is More Affordable Now!>
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    Fashion Is More Affordable Now!
    Most of us want to look like fashion gods but tell me, honestly, how many of us are able to buy any stuff that’s really ultra modern?  How many of us go to a high-end fashion mall and end up window shopping out there. Well, there’s nothing to feel embarrassed about this. You can discuss such incidents out here with me because even though we might not want to discuss it, most of us are sailing in the same boat.  This is the reason many of us just remain trendy but cannot climb up to the pinnacle of fashion. It takes a late Michael Jackson or an Angelia Jolie to be really fashionable but not the more common Jerry, Sammy and Philips (our next door buddies) or I for that matter. I’m not cribbing friends. I’m just talking reality. Recession has made things worse. When you’re struggling  [...]
    at September 9th, 2009 at 04:09 am
  • Occasional Extravagance Is Good For Your Health!>
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    Occasional Extravagance Is Good For Your Health!
    Recession has taught us to be thrifty with our spending. Even the most lavish spenders amongst us have taken some measure to cut off upon a lot of expenses. As revealed by the Commerce Department, Americans have been saving up 5 % more than what they used to last year. Also many industrialists might be rejoicing that the consumer confidence index of 54.1 % as released  by the conference board shows the increased buying capacity of people, but I’d like to impress upon you that increased capacity for spending in no way is related to actual spending behavior and people have been hoarding more money despite their elevated spending status. The worst hit area of our lifestyles was entertainment and pleasure spending. We’ve restrained ourselves for so long and we cannot bear to take this anymore! The  [...]
    at September 8th, 2009 at 04:09 am
  • Should You Invest In Index Funds?>
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    Should You Invest In Index Funds?
    Index funds seem to be quite a good investment option for you these days especially while you’re nursing the financial wounds that the recession has made on you. They are low-cost investments and involve low market risks. Though they don’t give you whooping returns, over a period of time they grow steadily to give you good returns. This is the reason many retirement accounts are replete with index funds. SmartMoney.com has listed out 10 of the most competitive index funding opportunities based on their asset bases and inputs from financial advisors. The list is topped by Powershares QQQ with a YTD return of 35.6 %. Schwab Fundamental US Large Company stands 2nd in the list with a YTD return of 34.9 % followed by Rydex Equal Weight S&P with a YTD of 30.4 %. RevenueShare Large Cap, Vanguard  [...]
    at September 7th, 2009 at 04:09 am
  • Important Numbers to Manage Your Finances>
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    Important Numbers to Manage Your Finances
    Nowadays personal finance advice abounds the internet and even other media. When I walk by the streets I come across numerous banners saying “Best personal finance consultancy for the last 50 years”. One thing that beats me is that despite such a lot of knowledge available around us, why are quite a number of us inefficient at managing our finances? Even those who have taken professional advice or have tapped the online resources are not better off with their money management skills. Why is it so? Are we not getting that most effective tip that we want, or are we non-learners, or are our circumstances not allowing us to follow what we know to be the most appropriate? Till a few days ago the economy slump wounds were pretty ripe. It’s only now they seem to be healing and all of us are  [...]
    at September 4th, 2009 at 03:09 am
  • Recession Is Fading- Is It Right Time To Ask For A Pay Hike?>
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    Recession Is Fading- Is It Right Time To Ask For A Pay Hike?
    You’ve endured the recession and waited patiently for things to get better before you tried for that personal incentive called promotion from your boss. Now since things have started looking bright don’t you think you should start off with your professional upliftment program? Or do you think it’s too early? For some companies which haven’t been affected much by the recession, the economical improvement signals a new era of growth and prosperity. If you’ve been working well all this time and have been in the good books of your seniors, you can go ahead and ask for a promotion or a pay hike. But if your company was deeply wounded by the recession and is bandaging its wounds, it’s ethical for you to be patient for some more time and then strike upon an opportunity to speak with your  [...]
    at September 3rd, 2009 at 04:09 am
  • Real Smartness Is About Money-Smartness!>
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    Real Smartness Is About Money-Smartness!
    Hey college students! Did you know that real smartness is about money smartness? As you might think smartness is not about wearing those impressive pair of designer clothes and walking out on the streets and getting attention from passers-by and friends. These days smartness means much more. Gone are the days when parents would fund you and you’d have a whale of a time partying around with your closest connections getting everything that you desire in this world within minutes as though your parents were Aladdin’s jinn! Now you’re a grown up individual and must understand how difficult it is for your dad and mom to get that buck for you. Well, you might argue that you’re a rich guy and your parents don’t work that hard, but if you ask your parents you’ll come to realize that its  [...]
    at September 3rd, 2009 at 04:09 am
  • Ditch That Expensive Computer, How About A Netbook For Your Kid?>
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    Ditch That Expensive Computer, How About A Netbook For Your Kid?
    Gone are the days when you’d have to shell out a fortune for expensive computers or laptops for your kid. These days, you get technology at much lower prices. For the uninitiated, they are the cheaper version of the laptop. When big brother laptops are so very expensive, you can go for netbooks that will give you almost the same features of a laptop computer for all practical purposes. Nokia 3G seems to be the latest one on the block which is not for students only but for working professionals as well. Of course this will be slightly expensive than the other netbooks, but it’s worth the cost. Apple and Acer are amongst other companies that have come up with good netbooks. Why am I talking about netbooks now? No, I don’t want to present them as a poor man’s remedy for recession. There’s  [...]
    at September 3rd, 2009 at 03:09 am
  • Consumer Confidence Is Not Equal To Consumer Spending>
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    Consumer Confidence Is Not Equal To Consumer Spending
    Hey investors and sellers don’t rejoice right now! Just wait for some more days before you really celebrate about the information that consumer confidence has improved. We humans are always a in the habit of making assumptions, especially when things look to be happening in our favor. I know after this long drawn recession for a couple of years, after seeing the worst in business, any small drizzle of good news is sure to make you rejoice, but the rains are still far away . You’ve got to wait praying the ‘Economy Gods’ for that. The consumer confidence report released this month by the Conference Board shows a positive trend.  That’s true! The Consumer Confidence Index meter has risen from 47.1 in July to 54.1 in August, the Present Situation Index has also shot up from 23.3 to 24.9  [...]
    at September 3rd, 2009 at 02:09 am
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