Archive for the ‘Saving’

  • Money Smartness And The Human Mind Connection>
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    Money Smartness And The Human Mind Connection
    What does your frugality quotient show? Does it increase as you grow older? Or do you feel you’ve reached a point where your frugality has attained a steady level from which it refuses to nudge? Or do you think that you have reached the pinnacle of fiscal enlightenment and are sliding down the slope right now? Well, this is individualistic. Behavioral economist, David Laibson and associates have conducted a study and released a report on how the levels of monetary wisdom change with age. In their very interesting  paper “The Age of Reason: Financial Decisions over the Life-Cycle with Implications for Regulation” which is yet to be released, they say that though your experience and age help in increasing your fiscal wisdom till a certain stage of your biological growth, with oldage ,  [...]
    at November 25th, 2009 at 01:11 am
  • Maximizing Profits for Garage Sales>
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    Maximizing Profits for Garage Sales
    Selling junk is not only about clearing your house off all clutter. You can make good profits too when you follow some clever strategies. If you are making $100 of your garage sales, with some careful thinking and sales tactics you can expect to make three times the amount you are making now. If you don’t want to take my word for it, listen to Cathy Pedigo, who authored “How to Have Big Money Garage Sales”.   If you follow her advice you can earn more than three times the money you are earning on your present junk sales or garage sales as you may popularly know. Firstly in order to get a good sale, you need to impress your customers. Just collecting the junk and piling up in the garage is not going to fetch you a good price. If you want the junk to fetch a good price, don’t let it  [...]
    at November 19th, 2009 at 01:11 am
  • Recovering From The Economic Damage>
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    Recovering From The Economic Damage
    If this recession has eroded your finances, there’s no need for you to worry. Just take the correct recovery measures and your financial condition will normalize soon. Here are some recovery measures that seem to work for many people under these present circumstances: Talk to friends who can help. Don’t be embarrassed to tell your friends that you are bankrupt. Ask them to help if you are in crisis, but be sure to pay them back as soon as you are comfortable with your money. Make a note of your damages. In this step it is necessary for you to jot down the monetary losses that you suffered. It should include your material as well as money loss. You might have made a mental note of this, but that will hardly help. By jotting down, you’ll get the exact picture. Contact your credit bureau  [...]
    at November 1st, 2009 at 01:11 am
  • Don’t Stop Your 401(K) Contributions!>
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    Don’t Stop Your 401(K) Contributions!
    Contributions to the 401(K) retirement savings seem to have reached a low in the present times, owing to the scarcity of money and job layoffs. Insurance savings of all types have seen a low and many companies stopped the 401(K) plan. Ford Motor, Motorola, Eastman Kodak all have stopped their 401(K) retirement benefits to their employees for some time now. When the economy improves you’ll see everything returning to normal. But don’t stop your 401(K) contributions because there are still a lot of benefits by continuing the contributions. Tax Advantage 401(k) is known for the tax benefits that it offers. Your contributions for the 401(K) will be reduced from your gross income which will automatically lower your taxable income. Keeping this money in your savings or any unqualified account  [...]
    at October 14th, 2009 at 01:10 am
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