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The three – tier model of saving money.

Category: Finance

The three – tier model of saving money.

There is a general idea of personal finance sources suggests that lucrative investments are the only way to make money and the only way of getting a return from your money is to buy a second propriety or speculate on the often-volatile stock market.
Making money is not limited with long-term investments only. Another efficient way of making money is saving it. The model of three-tiered savings can help you save the most part of the money.

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Where You Might Not Shop in 2011

Category: Finance

Retail is looking up overall, but that's not helping Blockbuster, Borders or Liz Claiborne much.

Don't tell Borders or Liz Claiborne that the retail business is getting healthy. Despite years of industry cache, both lose money, tout share prices in the single digits and just couldn't close down stores fast enough in 2010.

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The World's Most Expensive House, Painting ... and Tooth

Category: Finance

Ever wonder what $60,000 jeans feel like? You'll never know. Because you didn't buy that $60,000 pair of Levis 501s from 1890 -- the most paid for a pair of jeans, ever.

Here are the most expensive items ever sold -- the record-setting car, baseball card, toy, and even tooth.

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Could Your Finances Survive a Natural Disaster?

Category: Finance

The earthquake and tsunami in Japan should be wake-up calls for all of us regarding disaster preparedness. No matter where you live, you're subject to the risk of a disastrous earthquake, hurricane, tornado, fire, flood, or terrorist act. There's lots of information out there about how you can protect yourself and your family. It's well worth your time learning how to be prepared, and then acting on this information. But don't stop there -- learn how to protect your financial assets as well.

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9 Reasons to Say "No" to Credit

Category: Finance

With credit abundantly available, getting what you want right away, regardless of whether you have the cash to pay for it, is common practice. There are many rationales for convincing yourself that this behavior is acceptable: you've had a rough week and you deserve a treat; you'll be able to pay off your credit card as soon as you get your next paycheck; you need a new mp3 player to help you lose weight; or perhaps you feel that you've waited long enough for that new car and you're not willing to wait anymore.

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How to Save an Extra $50,000

Category: Finance

Cut One Big-Ticket Item

 

The strategy: Focus on a single large expense you can reduce or eliminate.

Years to $50,000: Seven

How they did it: Computer programmer Bonita Vincent, 33, and her husband, Derrick, a 35-year-old civil engineer, enjoy a nice set of wheels -- enough to buy a new car every few years. But after the couple had their second son in 2009, causing the family's child-care costs to double, the Vincents, who had just paid off the loan on their 2005 Volvo S80, decided to stick with the vehicle they had rather than borrow to buy new again.

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What To Do When Trouble Strikes

Category: Finance

Trouble. It comes in many forms. A car accident, sudden health issues for you or someone you love, loss of work, unexpected bills, theft, storm or fire damage to your home, or even the unthinkable – a tragic death… and of course, the list goes on. None of us like to think about these things happening to us, but what do you do when it does strike? It’s inevitable that we’ll all be touched by troubles of one kind or another in life and it pays to think through what we’d do and how we’d get back on our feet.

Tags: Finance, troubles, credit

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Banks Keep the Focus on Consumer Credit Risk

Category: Finance

Banks were burned during the Great Recession and its aftermath, and they took plenty of criticism for it. Critics say that banks and other lenders ignored consumer credit risk during the economy’s boom times and lent money to any borrowers who walked through their doors, regardless of their credit scores, job history, or debt-to-income ratios.

Stung by this criticism, banks have imposed far stricter guidelines on who qualifies for loans. Gone are the days of the no-doc mortgage loans in which consumers simply told banks, without providing any documents to verify their information, how much money they earned each month. Gone are the days when consumers with low credit scores and huge piles of credit card debt earned mortgage loans with low interest rates.
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After Near Disaster, European Central Bank Provides Stability (For Now) Credit Loan: After Near Disaster, European Central Bank Provides Stability

Category: Finance

It’s been quite a roller coaster ride for investors and anyone who cares about seeing the world economy stabilize. The Irish were the second euro zone nation to require a bailout, and it wasn’t until the European Central Bank stepped in that the crisis started to abate.
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Top 10 Surprises in your Health Savings Account

Category: Finance

Your Health Savings Account (HSA) may have some surprises in comparison to more traditional health insurance plans. While not all HSA programs will carry these surprises, all health savings accounts will carry a majority of the following:
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