Archive for the ‘Money’

  • Practical Money Management Tips For College Students>
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    Practical Money Management Tips For College Students
    People go to college and online universities to acquire professional education and give their career the much-needed boost. Most of them, however, involve in things that shatter their dreams of becoming a successful professional. One amongst those things is managing their funds poorly. Though they don’t have many sources of income except for their parents, they try to get money from every possible source to enjoy days of freedom, without knowing the consequences of not repaying it. One of the major effects of it is ruined credit score since the beginning of their career. Let’s discuss few money management tips for college students that would definitely reduce, if not avoid these consequences. 1.    Cut Your Credit Cards Seriously. Take a scissor (thick one), pull out all your cards from  [...]
    at April 22nd, 2010 at 05:04 am
  • Personal Finance Tips in a Nutshell>
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    Personal Finance Tips in a Nutshell
    As mentioned earlier in many of my earlier posts, I have learned lots on my journey from debt laden to debt free life. Hence, I decided to share my experience, learning, and personal finance tips, through this blog, to people around the world. Here are few things I would like to share, a must-read for all personal finance readers. This is a list of conclusions I have derived, which might help you to learn more about our attitude toward our finances. You don’t really have to spend money to learn personal finance management. Those financial products like money saving software, budgeting DVD’s, a kit of personal finance tips, etc. are all useless. Although I have suggested debt consolidation companies in many of my articles, I think that’s a waste of time too. If you aren’t an idiot,  [...]
    at April 12th, 2010 at 01:04 am
  • Money Management Tips for Women>
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    Money Management Tips for Women
    Many women hand over their financial responsibilities to their spouse or some other person. This leads to quite a miserable situation during divorce or death of their spouse. Why don’t women take an active interest in their finances and be prepared for any  tough situation of their lives? Here are few money management tips for women to stay independent and self-reliable. Don’t take the risk to rely on any individual, like you boyfriend or souse, when it comes to finances. Start learning about how to manage money, do it yourself investment guides, self savings, etc. One of the most important money management tips for women is having a financial goal. This goal helps them to take control of their earning, expenses, investment, etc., and actively manage them. Don’t rely on money either.  [...]
    at April 8th, 2010 at 03:04 am
  • Easy Ways to Get Rich Quick>
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    Easy Ways to Get Rich Quick
    Though I have always been against ‘get rich schemes and tips’, I have been receiving numerous emails asking the much-repeated question ‘how to get rich quick.’ Earlier, I had posted many articles on investing in 401k savings, CD’s, savings account, stock market, real estate, and gold. These tips, however, ensured a steady income rather than quick riches. This explains the bedlam of people wanting to earn money overnight. Not anymore. Here is a list of things to do to earn money instantly. Stock Market Speculation We all know stock market is a place to earn a fortune. You just need to invest in right companies and at right time. Remember, every big company once started small. Find an emerging company in a booming sector, and invest in it. Buy Property Housing prices are definitely  [...]
    at March 29th, 2010 at 04:03 am
  • Net Worth and Human Capital>
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    Net Worth and Human Capital
    Finance is definitely an important part of our lives today. We need money for everything, from shopping to paying bills to leading a happy life. Finance is also a status symbol and quite often, the way people are treated depends on the amount of money he/she has in his/her bank account. Very little is, however, known about who you are as a person, if you are gauged depending on the wealth you have accumulated. If you are termed as a ‘millionaire’, it describes nothing about you, except your ability to make money. Net worth, today, means how much do you have financially. What about the other traits one has? Aren’t they his assets? Okay, let’s leave the ‘traits aspect’ out of court for a while. Net worth is defined quite narrowly. You cannot neglect net income as well. It is something  [...]
    at March 15th, 2010 at 01:03 am
  • Money Hiding Places at Home>
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    Money Hiding Places at Home
    Talking to one of my insane friends, I realized the importance of keeping some money at home. While he wanted to hide some money from the zombies, they exist according to him, I wanted to stack some cash in order to avoid an redundant trip to the ATM. After reading some articles on the web, to find places to hide money, I realized human ingenuity is boundless. People bury their cash in their attic, in the toilet paper roll, in the cookie jar, inside the i-beam, in a water-proof jar buried in the backyard, and inside many cans placed elegantly in the pantry. However, I wonder if they can recover their cash before zombies get hold of them. Now that you know numerous places to hide your money, you have to derive a plan. Dumping all your cash at one place, say in a jar, definitely provides you  [...]
    at March 4th, 2010 at 01:03 am
  • What Do You Do When You Get A Huge Sum Of Money?>
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    What Do You Do When You Get A Huge Sum Of Money?
    If you are one of those lucky people who has inherited some wealth or has won some prize money in a game or so, and simply don’t know what to do with it, here are some tips that you might help you in putting your money to the best use possible. Firstly, don’t blunder with sudden decisions. Most of us have a latent desire to purchase articles that appear to be simply out of-this-world! You might want to own the most expensive house or car in town since long and when you find that you are suddenly eligible financially for realizing your dreams, you take the hasty decision of buying the big item. This may not be a very wise thing to do because if you spend all your wealth on only buying the article, what will you spend on maintaining it? You’ll agree with me that before you buy something  [...]
    at March 1st, 2010 at 12:03 am
  • What Has Buying Green Got To Do With Morality?>
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    What Has Buying Green Got To Do With Morality?
    A few years ago, green consciousness was what only environmental scientists seemed to have, but with the growing concern of the impending environmental disasters owing to non-eco friendly human practices, the common man has taken the initiative to go for the green(of course under media influence). Nowadays, almost every supermarket has a number of shelves reserved for organic products. People, carried away by the notion of buying healthy, are picking up these products by the dozen from the supermarkets and retail stores almost everyday. But, now according to new lines of thought, the worthiness of the organic products, as available in the market today, is a highly debatable topic. The question that seems to be gaining significance in many people’s minds is about whether green is really good  [...]
    at December 18th, 2009 at 01:12 am
  • Drive Into The New Year With A Pair Of New Tires>
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    Drive Into The New Year With A Pair Of New Tires
    When it comes to cars, the tires are the most important. But, towards their care, most of us show the same attitude that we would for dental care- I mean, though the teeth are an important part of the human body, most of us don’t get them attended to unless a devastating toothache is experienced. In fact during the recession, many of us had put back dental care as a low priority issue as we could not afford to ‘waste’ money on non-essential issues. Tire care is often an issue of low priority when considering car care. So, owing to the recession and high price of tires, many people had put off tire care this year due to which the sales of tires has fallen down badly in the recent times. According to the Rubber Manufacturing Association, tire dealers are offering year-end discount sales  [...]
    at December 16th, 2009 at 01:12 am
  • Five Habits To Learn In You 20’s>
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    Five Habits To Learn In You 20’s
    Leading a wealthy and financially secure life depends very much on how and what you do in your early age especially 20’s. The span of 10 years in this age group, according to me, is the most crucial time that can decide your fate. Spend it wisely by focusing on your career, saving, and investing and you will flourish all your life. However, if you want a life full of debts and unhappiness, try ruining these years. Although there are numerous things you can do in your 20’s, I am listing just five that are most basic and important to lead an independent life. Earn more, spend less There is a reason why I have placed this point on top position. Earning more and spending less is the key to financial stability and a gateway to other points. If you miss or skip this point there are few chances  [...]
    at December 2nd, 2009 at 12:12 pm
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