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personal finance

This category contains 202 posts

How to Save Money on Food and Basic Commodities

First, try eating at home more regularly instead of going out. Sure, we don´t need to cook or are too unenergetic to do this task but if you don´t cook, how do you envisage to eat? You save extra money buying groceries than eating in a restaurant. If you aren´t married [...]

Stop Home Foreclosure: Do You Qualify For A Modification Of Mortgage?

Do you find yourself falling behind on your house payments? Is your lender calling you and threatening to foreclose? If you want to hold on to your home, the best way to stop home foreclosure is to negotiate a modification of loan, also known as a loan modification agreement, with your mortgage lender.
There are a [...]

A Guide To How Personal Finance Works

Personal finance would seem to be the backbone of the commerce industry as we know it today, however there is still a lot to learn on the topic. There is help to make sure that consumers can keep up with their payments healthily and easily. Consumers will need to know a few topics on finance [...]

An Opportunity to Convert to a Roth IRA in 2010

If you have ever heard me speak on tax or wealth strategies, you’ve probably heard me say that I am not a big fan of 401(k)s or IRAs.
One of the reasons I am not a big fan of Traditional IRAs and 401(k)s is because they only defer tax. While tax deferral can be helpful [...]

Loans For School: Finding The Right Education Loans

If you recently won the Lottery or got really lucky in Las Vegas, this article is not for you. If you’re like most students, though, finding good loans for school expenses is vital once you’ve exhausted savings, grants, and scholarships.
Before we discuss some of the most appropriate loans for school, let’s analyze a few of [...]

Millionaire Mindset Success Secrets – Part 1

Ever wondered what wealthy people do that’s so different? How is it that some people are so successful and others aren’t? Well, what separates truly successful people from the remainder of the population is their way of thinking and acting. No one is really unsuccessful; they just haven’t learnt how to become successful yet.
So, how [...]

YNAB Pro Makes Budgeting Simple

Do you require help budgeting? For most the answer is of course. Budgeting does not have to create head aches. Budgeting can be simple using YNAB.
What is You Need A Budget?
YNAB is computer software used to create and stick to a budget. You Need A Budget makes it easy to set limitations for budgeting categories [...]

An Insight into 401k to IRA Rollover

What is a 401k rollover to IRA?
It is the procedure of moving your retirement savings from your retirement plan at work i.e. 401K to an Individual Retirement Account (IRA). Rolling over to an IRA allows you to keep your savings tax-deferred and typically gives you a broader choice of investments. One of the best parts [...]

Basic information on grant programs in Canada.

There are a number of grant programs in Canada that offer citizens, and even non-citizens, funds for many different things. There are grants for education, grants for businesses, grants for non-profit organizations, and many more. Finding out about these grants and what you need to qualify for them requires a bit of digging since not [...]

Knowing the difference between government loans and grants.

There are now a number of financial aid programs being put up by the government to help people deal with the hard times. Like in other large countries, Canada also has its own programs, and this where Canadian government grants and government loans come in. While there are people who are more knowledgeable about anything [...]