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Personal Finance Sub-Section

Financial Planning 101

Financial Planning 101

Are we left alone to decide our own fate when it comes to managing our personal finances? The answer lies in the old saying: “It’s not who you know, it’s what you know.” Yes, I changed the words around. For many generations, the business...

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How To Get Scholarships For Multicultural College Students

How To Get Scholarships For Multicultural College Students

> Alyssa Whitwell’s scholarship enabled her to continue studying math and economics at UCLA, despite a huge spike in tuition and fees. Ranieka Meadors’ scholarship helped her to return to California State University after dropping out for a year because of financial hardship and Daniel Dela Rosa, the...

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Consider Whole Life Insurance Cash Values as Retirement Income

Consider Whole Life Insurance Cash Values as Retirement Income

  > The recent economic crisis in the United States has put a severe crimp into the pipeline of American retirement cash flow. Nearly 51 percent of U.S. households are "at risk" of not having enough to maintain their living standards in retirement, according to the October 2009 National Retirement Risk Index,* a special project of the...

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Three Tax Tips To Save Your Money

Three Tax Tips To Save Your Money

> Are you the person who dumps a box of unopened envelopes, miscellaneous papers, and tells your accountant, “See you at 11:59 PM on April 15th.”, then at 12:00 AM on April 16th wonder why your tax preparation fees exceeded your refund, even though you’re in the 10% tax bracket? Well you might want to read a little more on how not to be that...

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Budgeting - Take Your Lunch!

Budgeting - Take Your Lunch!

>   I remember taking my lunch to the office for 60 days so I could afford my first trip to the islands. I was determined not to withdraw funds from my account to take this trip, so I cut my expenses. It sounds simple enough, but there were some steps...

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Money Management 101 (Healing Broken Piggy Banks)

Money Management 101 (Healing Broken Piggy Banks)

With consumer debt at an all-time high and a recession that is impacting most Americans, it's more important than ever for consumers to take a hard look at their household balance sheets. According to reports, consumer debt stands at nearly $2.6 trillion dollars. This doesn't even include debt secured by real estate. But just how does this American consumer debt break...

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Think Positive in Tough Times

Think Positive in Tough Times

In today's tough economic climate, it's easy to feel dissatisfied with your life -- your job's awful, bills are piling up, you're barely home to see your kids and you can't see an end in sight. But, as hard as it is, you need to let those negative thoughts go. Johnna Parr, network marketer and author of the book, "When the Dream is...

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Explaining Financial Troubles To Children

Explaining Financial Troubles To Children

> As the dismal economy shrinks the job force, parents across the country are faced with the intimidating task of explaining financial troubles to their children. The economic meltdown has raised the unemployment pool in the United States to more than 7.2 million, according to the Bureau of Labor Statistics. As these numbers continue to increase,...

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Tips for Selling Your Gold Jewelry

Tips for Selling Your Gold Jewelry

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Women Of Color Saving For Retirement

Women Of Color Saving For Retirement

Nearly 40 percent of women aged 30 to 55 are worried about spending their retirement years at or near the poverty level because they cannot adequately save for retirement, according to a recent survey. The National Women's 2005 Retirement Survey found that women of color are most concerned about their ability to save for retirement. While 53 percent of women of color...

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