A Buyer's Guide to Term Life Insurance (April 29 2010)         - Josie Anderson

Any financially savvy consumer understands how important it is to possess enough life insurance, but one of the primary reasons that people fail to do so is simply because there are too many questions and misconceptions associated with coverage.

Roth IRA secrets - 7 reasons why a Roth IRA trumps a Traditional IRA (July 23 2007)         - claim this article

TAX-FREE COMPOUNDING

Contributions inside a Roth IRA can grow and compound each year in your investment portfolio on a tax-free basis. This cannot be said for investments within a 401k plan or traditional IRA, which only experience tax-deferred growth compounding. At some point in time the investments held within 401k and IRA plans will have to pay the tax man.

Creating A Realistic Business Budget (July 23 2007)         - claim this article

Budgeting -- ooh, what a scary word! If you want to frighten someone whose business finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

Debtors' Payments: Fuzzy Approach to Planning (July 23 2007)         - claim this article

The financial aspect is essential to any kind of business. How a company receives funding and incomes determines its overall welfare. For any B2B company, one of the major concerns is the control over the payments of the non-bank debtors, i.e. the payments resulting from sales of goods and/or services. Indeed, this inflow enables the company to assess its efficiency, playing the role of the factor underlying the company's profits. Having produced some goods or services, the company sells the ware, receiving money for the ware -- which becomes income. The company crucially needs this income in order to be able to buy some raw materials and equipment needed to produce new portions of goods. Thus, it is essential that the company receives income regularly. What is regularity, in this case? It's in fact receiving the money on a predetermined schedule. The one that has been formed with a necessity in mind to meet the company's needs in financing its expenditures. However, we are living in a REAL world, which means that, inevitably, there are delays in debtors' payments. This, in turn, can lead to a complete breakdown of the financial plan. The latter may cause a non-reversible failure of the company. Effective planning of these delays is the key to successful financial management.

9-11 And Your Checking Account (July 23 2007)         - claim this article

Imagine a catastrophic event triggering the government to change the rules covering your checking account. Actually, you don't have to imagine it because it happened in New York on 9-11.

Save Money On Your Grocery Bill (July 23 2007)         - claim this article

We've all heard about certain ways to cut your grocery bill like avoiding the grocery store when you're hungry, using coupons on double coupons day, and buying only the items on your list. These are all good tips and we should keep using them. However, I've found a few pointers that might help you save even more on your grocery bill.

Mortgage Protection Life Insurance - Understanding The Basics (July 23 2007)         - claim this article

Your house is a big investment - probably one of the biggest you're every likely to make. It is also the place that you and your loved ones call home; a shelter and haven from the outside world. That's why it is so important to ensure that your home and family are protected in the event of your death. It's not a topic that any of us like to dwell on, but the sad fact is that should you die and the family are no longer able to afford repayments on the house, they will lose the property and the roof from over their heads.

Banks and Money (July 23 2007)         - claim this article

Basic Functions of Banking

The basic functions of banking are:

How to Write a Business Plan (July 23 2007)         - claim this article

This is a simple but effective guide on how to write a business plan. The following outline of a typical business plan will give you an insight into what is generally required. You can vary it to suit your specific business profile. Breaking down the plan into several components helps make drafting it a more manageable task.

Legal Financing: New Niche for Financial Services (July 23 2007)         - claim this article

How to finance a lawsuit is not common knowledge among the general populace, much less among the legal field as a whole. Pre-settlement lawsuit financing is a relatively new phenomenon in the financial services sector that is a little over six years old. Basically if a lawyer has a case brought to his firm and upon initial review determines it has strong merit he will then need time and money to develop and "flesh out" certain basic facts. This phase, called the "discovery period" can last several months to several years depending on the complexities involved.

Global Banking Forced to Favour the Customer (July 23 2007)         - claim this article

Banks worldwide are offering more and more new services that help the customer understand and plan for their future. The bank or financial institution is nothing without the customer and finally the customer is reaping some of the rewards. Visitors to www.choosingabank.com can find out about the best financial institutions, choices, options and the best competitive rates interest both on loans and term deposits.

Teaching Your Children The Art of Being Frugal (July 23 2007)         - claim this article

Teaching children proper money-management skills cannot be underestimated. A lot of parents focus on helping their children with math homework and bedtime reading, but fail to give them the much needed skills we all use to control our money. There are things we can do to influence our children and help them make proper decisions regarding their finances as they grow.

Turning Your Trash Into Cash (July 23 2007)         - claim this article

Junk. We all have some of it lying around the house. Whether it's boxed items cluttering the attic or everyday items that just don't fit with the room's decorating theme anymore, many of us have more than we need. At some point it all gets to be too much and in a fit of energy we decide that our place needs to be cleaned. Then the junk gets moved, typically to the nearest trash can. But wait. Before you throw out all that stuff, it pays to take head of the saying "one person's junk is another person's treasure."

How To Reduce Banking Fees (July 23 2007)         - claim this article

Nobody likes to pay banking fees, but if you aren't active in trying to reduce them, you are probably paying more in fees than you need to be. One of the most important actions to take in order to reduce the banking fees is to figure out exactly how you use your bank. Consider what your average balance will be and how low the balance may dip. Also consider the type of transactions you make and what types of services you need. Once you have a better understanding of how you utilize the bank, you are in the position to get the most out of it while avoiding fees for services you don't need or use.

Green Card: Don't Pay to Get One! (July 23 2007)         - claim this article

It's amazing. The very first spam ever sent was from a couple of lawyers who offered to help people get a Green Card if they paid the law firm a small fee. A Green Card, for those of you that don't know, is a proof of permanent resident alien status from the feared Immigration and Naturalization Service and.. it's free, if you qualify. So you don't need to pay anyone for anything. Even better, the document required is pretty simple to fill out.

Preventing Identity Theft (July 23 2007)         - claim this article

Preventing identity theft is never foolproof but here are some good tips that will make it more difficult for anyone to steal your personal information.

Term Life Insurance: Finding Your Rate Online (July 23 2007)         - claim this article

Term life insurance rates vary more than most people might imagine. Depending on the life insurance company you choose, you could end up paying a lot higher rates for the same policy.

To Factor or Not to Factor? (July 23 2007)         - claim this article

The purchasing of accounts receivable (invoices) is generally known as factoring. Businesses can sell their invoices to companies known as factors. Although not all businesses are familiar with factoring, historians claim that factoring dates back to the ancient Roman civilization making it one of the world's oldest methods of finance.

Wit and Wisdom on Money, Wall Street and Success - Part #3 (July 23 2007)         - claim this article

I have received incredible feedback on the financial quotes series so I am providing another ten GEMS for you to ponder and evaluate. Sometimes a great book has had a profound impact in my life and made me change my ways. Occasionally a great quote has also had the same effect. Enjoy!

Following Conventional Wisdom Could Cause This Fatal Million Dollar Mistake (July 23 2007)         - claim this article

Conventional Wisdom States Buy a House Get a Fixed Rate Mortgage and Make Extra Payments to Pay Your Mortgage off as Fast as Possible. If you follow Conventional Wisdom you will be making a Million Dollar Mistake. Keep Reading to find out why.