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Resources to Help You Learn About and Protect Yourself from Identity Theft (09 Feb 2007) If you get an email or letter or form that looks like it came from your bank, credit card company, the IRS, online auction or bill pay service asking you to verify information so they can update their records, verify this with your bank or credit card company. Never click on the link in an email; it will take you to a fraudulent website that is disguised to look like the companies. If you call to verify and your bank or credit card company wants this information, give it to them over the phone, if you initiated the call and are sure it is the correct number, or stop by in person if possible.
10 Steps to Take if You Are a Victim of Identity Theft (09 Feb 2007) There have been an estimated 9.9 million victims on America and over 40% of all consumer complaints in the U.S. involve identity theft.
What can I do if I am already a victim of ID theft?
Credit Card Debt – Watch Your Credit Report and Your Bill (09 Feb 2007) If you own a major credit card, you should check your credit report and your bill regularly. Your credit card company is checking your report, and it may cost you money.
The Good and the Bad of Money Management (09 Feb 2007) What are our Bad Money Management habits? Can we change them to Good Money Management habits?
Avoiding A Nightmare On Renovation Street (09 Feb 2007) You've decided you want a bigger, better and more desirable house. How do you determine when to renovate, what to do and importantly, how much will it cost and will we get our money back? Unless you're in the building industry, most people are fairly naïve when it comes to making decisions about renovating. Poor choices can be costly, especially if you over-capitalise and spend too much money on the house of your dreams.
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10 Money-Saving Tips (09 Feb 2007) Simple ways everyone can save money!
How to Save for A Down Payment (09 Feb 2007) How to Save for a Down Payment -- the First Step toward Owning Your Own Home! It's easier than you might think to Save for a Dwon Payment -- usually just an awareness of how much money you're really spending can open up a window to let you see how much you can save. With a few simple steps, you can save up enough to put down on your Brand New Home -- won't that be fun??
Money Matters - Really! (09 Feb 2007) This short article talks about some of the pressures money and finances (or the lack thereof) can put on black relationships. The focus is on ways to improve personal finances so each person has something positive, financially to contribute to the relationship.
Healthy Eating On A Budget (09 Feb 2007) Have you always felt that serving healthier foods such as fresh fruits and vegetables, lean meats and whole grain bread were too expensive for your food budget? Learn how to eat healthier and still stay within your current budget.
10 Tips To Save Money When Dining Out (09 Feb 2007) Ten tips that can help you save money when dining out. Keep in mind that these tips are intended to help you save money when dining out at a restaurant type setting. In other words, these tips will not be related to fast food establishments for their food is already priced reasonably.
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10 Steps To Improve Your Financial Situation (09 Feb 2007) Follow these 10 steps to improve your financial situation and lower your overall debt. These steps are straightforward, and ready to be implemented into your daily lifestyle.
Take Control and Master Your Kitchen (09 Feb 2007) Great article tackling the issue of kitchen management which results in saving money. You'll be surprised at what you can accomplish with a little kitchen mastery.
How You Feel Affects How You Shop & How Much You Spend (09 Feb 2007) Article points out the downfalls of shopping when your mood is not right. Being upset, angry, or depressed can have drastic consequences on your pocketbook after a shopping excursion unless you are prepared.
Personal Loans For Homeowners – One Of The Numerous Rewards For Being A Homeowner (09 Feb 2007) Personal loans for homeowners are allegedly thought of as one of the best way to get money for your personal needs. And guess what they are. Personal loans for homeowners have low interest rates, flexible loan repayment terms. Personal loans for homeowners can also be provided if you have prior bad credit history. You can borrow money in accordance to your financial status and repayment capacity. Personal loans for homeowners mean placing your home as collateral or security for your loan. It would also mean that your home is a risk if you can't repay loan. Personal homeowner loans are very straightforward and can be put to any personal use whatsoever.
Budgeting: A Tough Love Way to Handle Your Household Budget (09 Feb 2007) Some families find it difficult to stick to a household budget. The good news is that most people find the longer they can stick to a budget, the easier it becomes. But how do you get through those tough first two, three or four months? This article describes things you can do that will help make sticking to a budget easier, including one "tough love" solution ...
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Planning Your Financial Future (09 Feb 2007) Millions of people give a lot of thought to financial planning but get frustrated and give up before ever making any progress. Making yourself aware of the most common reasons people fail to make a viable financial plan is the first step in reaching your financial goals.
Developing a Budget? Watch Out for Those Budget-Bursting Gremlins (09 Feb 2007) Having a household budget is the best way by far to manage your finances so you can relax and worry about other things. But beware, there are budgeting "gremlins" just laying in wait. This article identifies those gremlins so you'll be forewarned and not let them bust your budget ...
Introduction to Australian Superannuation (09 Feb 2007) Australians, in general, constitute some of the worst savers in
the world. In the past, pensions from taxpayers were used to provide pensions for senior citizens upon their retirement but due to the changing landscape of Australian society, this is no longer seen as a viable solution. As a result, the concept of superannuation was introduced.
Roth IRA Contributions - IRS Rules (09 Feb 2007) Confused about whether you can contribute to a Roth IRA? Try using these simple rules:
Budgeting Your Way to Financial Freedom (09 Feb 2007) Financial freedom cannot be achieved without budgeting. Budgeting involves tracking your sources of income and more importantly tracking your expenses. It is novel tool for controlling your expenses and making you aware of how you spend your money.
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