Saving, investing and making money with technology

Day: September 1, 2014

Personal Finance Worth Reading About

| Author: Personal Finance| | Category: homepage

Articles about personal finance

If you seem to be spending more money on paying bills and other financial obligations than you have coming in, you are not alone. It is estimated that for around 40 percent of American households, their spending exceeds their income. In 2009, the average American carried a credit card debt of 8,400 dollars. Student loan debt in the United States has reached record proportions.

What can be done? Well, like in most cases the old saying that knowledge is power applies. Smart Americans can start by reading personal finance articles. Financial consultants, money managers, investment consultants and other experts often write articles that give personal finance tips.

Simple mathematics tells us that we should not spend more money than we make. Real life makes living within our means a little more difficult. For a lot of us, what we have been doing has left us with either less money than we would like or, even worse, we have gotten ourselves into debt. Educating ourselves by reading articles about personal finance certainly could not hurt.

There is help for us in the personal finance articles that have been written by experts. Some have advice for people who are unemployed, or have a lot of credit card debt, or are facing the foreclosure of their homes. There is advice on how to get back on your feet.

There are also personal finance articles for those who are fortunate enough to be caught up financially. There are tips on how to protect your assets, and how to plan for your family’s future. Parents can learn how to save for their childrens college education, or how to start planning for their own retirements. Personal finance articles often contain good investment advice, too.

No matter what your current financial situation is, if you are like most Americans it could probably be better. Whether you are in debt, strapped for cash this month, or have money to invest there is help available. Reading personal finance articles can help.

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Three Little Family Budgeting Tips That Could Make a Big Difference

| Author: | | Category: homepage

Household budgeting tips

Did you know that the average person has approximately $5,000 of revolving credit card debt? With an average interest rate of about 20%, that makes for about $1,000 being almost literally thrown away each month if you only pay the minimum. The key to overcoming debt is to budget your spending so that you can eliminate the debt quickly.

Fortunately, budget tips for families are one of the most popular subjects among bloggers these days. There are a lot of resources online that can help you and your family develop a budget and save money, and here are three tips to get you started.

    1. Establish a family monthly budget.

You can use family budget software, family budget templates, or even a notebook if that is easiest, but the important thing is to understand how much money you are starting with, and where it is going each month. Here are average monthly expenditures, according to a Consumer Expenditure Survey.

      • Housing costs add up to 26%
      • Transportation costs add up to 12%
      • Food costs add up to 10% and about 6% of that being food eaten at home, and 4% being food eaten out.
      • Personal insurance and pensions add up to 9%
      • Healthcare adds up to 5%
      • Entertainment adds up to 4%
      • Clothing and services add up to 3%
      • Everything else adds up to 8%

How do your finances compare? If you are spending more than the average, then it may be a sign that you need to look into cutting spending in that area.

    1. Find a way to save money.

Battling debt starts with saving money so that you can apply it to eliminating those debts faster. The entire family can help out in this area by encouraging one another to be thrifty, make sure lights get turned off when not in use, and even cut down on washing dishes by reusing a glass or two, or being mindful of how many bowls are used to make a meal. Consider drying your clothes on a clothesline when the weather is nice, and eating in more often. Groceries are one of the first areas that can typically be trimmed down, by shopping for cheaper items, and focusing more on making meals from scratch to cut down on the expense of over-processed and over-priced ready-to-go meals.

    1. Learn more about personal finance.

Quick budget tips for families can only go so far. For there to be long-lasting change, then habits and behaviors have to evolve. Personal finance articles and personal finance tips might help you realize that you could get a better rate on some of your loans, or cut back on car insurance costs. If you are interested in improving your knowledge of personal finance, you may be able to take a finance course online, or a local nonprofit might be offering courses for free.

These three budget tips for families will be a good start to get your family on track for bigger savings, and less debt. As you start to see that restraint and making smart decisions is helping, you will be encouraged to find more ways to save money and better manage your finances.


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It Can Be Hard To Save Money Read Some Tips To Help Start

Author: | | Category: homepage

Personal finance articles

Personal finance tips are not hard to come by. You can find dozens of people claiming to be finance experts, and they all have different hints, tips and tricks for you to try so that maybe you can save some money, or possibly pay down the mountains of debt that you may owe. You can read dozens of personal finance articles, practice every habit that they claim to be the number one solution, and never see a difference. The absolutely crucial aspect about paying debt and saving is self control and sticking to your guns when it comes time for no extraneous spending.

Aside from that, there are several other approaches that you can take for saving and defeating debt. Rather than finding some self proclaimed finance experts online, perhaps you should seek the help of an actual financial expert for your personal finance tips. By meeting someone face to face, and going in for meetings on a fairly regular basis, you have a few things going for you.

First of all, you are actually meeting with a professionally trained finance expert, and utilizing personal finance tips that are tried and true. Second, you are being held accountable. By setting goals, having homework to accomplish before your next meeting, and granting your financial adviser full, open and honest access to your finances and debts, you are setting yourself up for being held accountable for any and every expenditure.

If you went on a shopping spree over the weekend, your adviser will know. It is not like she will yell at you, but she will know that you are not that serious about the situation if you are not following all of the rules. And you will feel guilty about disappointing this financial adviser who is giving her all in hopes of setting you on the right financial path.

Aside from simply telling you not to spend your money on stuff you do not need, she may also advise you in things like preventative measures, such as life insurance or umbrella policies. The idea behind getting these is so that you will be financially able to handle anything should an emergency happen. For example, without umbrella coverage, if you are the cause of a car accident, and you go past your car insurance coverage, you will be responsible for the rest of amount. That could be thousands of dollars that may completely ruin you. With umbrella coverage, that is taken care of.

Personal finance is a lot more than just throwing your money under your mattress. With investments, insurances, and paying orders for debts, it can be impossible to master on your own. Thankfully there are personal finance advisers out there who can help you approach your situation in the right way, and prepare you for the future.


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Launch Your Online Business With Ampervize

AmpervizeMarketing a business can be both exciting and overwhelming at the same time. For new businesses it can be a near impossible task to pull together.

Coming up with fresh and innovative marketing ideas doesn’t come easy for most people. Working alone are with a small group of people that keep coming with the same stale ideas isn’t the way to go either. It takes the right products, services and expert know -how to get your brand off to a successful start.

There are many companies out there that claim to offer top quality marketing services. The trick is how to determine which companies are legit and which products are effective.

Ampervize simplifies this task for you.

The company was founded in late 2013 by marketing expert Brook McKeon, who has developed tools to help you set your company apart. The website will give you a simple plan to follow that can enhance your online presence and get your business noticed. Branding is crucial for success, and Ampervize can connect you with quality services that cover the various aspects of branding you’ll need when establishing your business online.

Brook said he toyed with the idea of creating social media marketing products in late 2013 before he started his new company Ampervize. During the process, he developed formulas that could automatically direct customers towards the ideal product, based on their business situation and marketing goals.

The website can direct you towards services that will help you successfully launch a marketing campaign and reach a broad and new audience.Their approach is not generic, the site looks at each business individually and develops a tailor-made plan that can help you launch your business and grow it to it’s potential and beyond.
Ampervize is free to use and offers advice that will give any business a solid and competitive edge that other businesses will not have.
They can also help you find the right online management tools that will assist you in keeping track of your company’s online activity and brand reputation. In addition, they can link you with a full-service management company that will handle everything for you.
This website is the place to go and is the best resource for launching and marketing a successful online business. The services are customized to your business needs and the advice that they give is catered to your brand.

Ampervize will tell you which marketing ideas will work for your brand. You will get tools that will work for you and will help your business reach new heights. The recommended tools and tactics are based upon your goals and needs- and they’re generated for free.
Once you land on their website, you will answer a few simple questions and then Ampervize will give you a list of marketing services that are perfectly matched to your online business.

Ampervize will link and connect you to proven and tested service providers that will get your business off the ground and running within minutes. This website is ideal for both those who are just getting started in business and for those that have been in the marketing business for years.
Brook aims to make Ampervize a place that everyone goes to set their compass before setting out on their next online marketing adventure.

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