We have all heard the advantages of investing in a mutual fund over trying to pick individual stocks. First of all, mutual funds hire professional analysts who are market experts and devote many hours of study to the various stocks. Unless you want to devote much of your free time to studying financial reports, you […]

There are several different types of investments and many factors in determining where you should invest your funds. Of course, determining where you will invest begins with researching the various available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals. If you were going to purchase […]

The word “frugality” has left a more negative connotation for most people than simply being a saver, a cheapskate, or a tightwad. There is a thin line between saving and too much frugality to the point of being awkward and ridiculous. This is where the negative connotation comes from. But you will never go wrong […]

Stock picking is a very complicated process, and investors have different approaches. However, it is wise to follow general steps to minimize the risk of investments. This article will outline these basic steps for picking high-performance stocks. Step 1. Decide on the time frame and the general strategy of the investment. This step is very […]

Think hard about such a decision before you declare bankruptcy because you are stuck with several debts. There are good debt management techniques that you can opt to use to help you ease your way through your debts. The process is not easy. Financial problems are never easy. This is especially true if you owe […]

You say you know where your money goes and don’t need everything written down to keep up with it? I issue you this challenge. Keep track of every penny you spend for one month, and I mean every penny. You will be shocked at what the itty-bitty expenses add up to. Take the total you […]

Nearly half of all first-time homebuyers financed the entire cost of their home rather than paying a hefty down payment. And many of these zero-down buyers did so thanks to the so-called 80/20 mortgage plan. This relatively new type of loan was designed to help buyers who want to avoid paying down payments. As housing […]

Times are hard right now, and you don’t need interest payments from your previous debts to make it even harder. This is why many people are starting debt management work that will help them cope with the economic crunch and the rising prices of commodities. Debt management is more complex than paying your debts, although […]

If you are a college student, you are probably concentrating on your studies and trying to get an education that will benefit you. You may not be thinking about handling your money, and failing to do so can leave you in a big financial mess by the time you are out of college. You must […]

Finding new ways to save money on almost anything you buy is like getting a raise. Maybe it’s even better. When you save twenty dollars on a coat, you get to keep the whole twenty dollars. You lose five or more to taxes when you make twenty dollars more on your paycheck. Finding ways to […]