From the category archives:

Saving Money

Why Should I Invest?

February 5, 2011

For the uninitiated, investing can be a scary concept. Putting your hard-earned money into stocks, bonds and other instruments that could lose value doesn’t seem to make much sense on the surface. While it’s true that some people lose their life savings by investing, these people are in the minority. Not all investments are high-risk. [...]

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Why Should I Have an Emergency Fund?

February 4, 2011

Some people pride themselves on having a good handle on their finances. They pay their bills in full and on time each and every month. They manage their credit cards expertly, and even though they could get all the credit they want with ease, they refrain from opening new accounts that they don’t need. But [...]

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What Is Investing?

February 3, 2011

For some, investing is a way of life. For others, it’s an obscure concept that they’ve never explored. But if you have ever opened a savings account or put money into a retirement fund, you’ve dabbled in investing. By definition, investing is using our money in certain ways with the hopes that it will make [...]

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What Are Shares and Why Are They Issued?

February 2, 2011

Anyone can buy stocks. All you have to do is talk to an investment professional, and you can be a stockholder in short order. But those who have never invested in the stock market may be hesitant to do so. One of the biggest reasons people are unwilling to invest in stocks is because they [...]

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Wants versus Needs: Learn to Prioritize

February 1, 2011

There are two basic categories of things we spend our money on: needs and wants. Needs are things we must have to survive, such as food, water, shelter and clothing. Wants are things that we would like to have, but we would not be worse off without them. In theory, this is an easy concept [...]

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Understanding Securities

January 31, 2011

For the uninitiated, the stock market and all of the terms associated it can be as clear as mud. While most of us have a basic understanding of stocks themselves, our eyes tend to glaze over when presented with related concepts. So if you have no idea what securities are, you’re certainly not alone. Actually, [...]

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Student Loans: What to Consider

January 30, 2011

Getting a college education can greatly increase your earning potential. Statistics show that those with four-year degrees earn about 60% more than those with no education beyond high school. So if you can come up with the money to attend college, it should be worth it in the long run. The trouble is, college is [...]

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Stock Trading Explained

January 29, 2011

For those who work on Wall Street, stock trading is an everyday occurrence. For many of the rest of us, it is an enigma. It just seems so complex, especially when you don’t have a clue what goes on behind the scenes. Actually, stock trading isn’t terribly difficult to understand. Here are the basics. How [...]

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Know the Seriousness of Filing for Bankruptcy

January 28, 2011

Being overwhelmed with debt is a horrible feeling. When you’re struggling to pay the bills and getting nowhere in the process, it’s normal to want to find a way out. This is why many debtors turn to bankruptcy. Bankruptcy can certainly help alleviate your debt. Chapter 7 bankruptcy results in the discharge of most consumer [...]

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529 Plan: How to Save Money for College

January 27, 2011

It’s never too early to start thinking about your children’s college education. The sooner you start saving, the greater the chance your child will have enough money to get through college with no worries. But when considering college savings, many parents are unsure just what they should do with the money. You could stuff it [...]

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