Cashing out a 401K before you reach retirement age has a much heavier penalty than you may think. This will stop most people from deciding to withdraw early, but if you decide you have no other option, there is still more you need to know, for instance, you can't actually do this any time you want to, you can only withdraw at certain points in your life. First of all, you can of course withdraw from your plan without any problems or penalties...more
When finances are tight, working on a budget is often the last thing you want to do. But having a good budget in hand is essential when you are facing those little unexpected emergencies or trying to figure out how much money you can afford at the grocery store. These tips will help you figure out the best way to go about establishing your household budget. First, figure out how much money you have coming in every month. Include all sources of...more
So just what are values based financial planning and is it anything that you may be interested in. In short, values based financial planning is quite simply a method of financial planning that integrates your personal values into decisions that are made. Sounds simple right? Well its not.How Can You Be Sure?For instance, you may have already been doing some type of Values Based Financial Planning on your own by simply avoiding investment opportunities that didn't smell right to you. Companies or business entities that generate their profits in ways that you simply don't agree with. Even so, in todays complex global business arena, how can you be sure that your investment money isn't in some way connecting up to something that you would rather that it didnt?A Full Time Job to Be SureThe fact is that on your own, the task is so complex and difficult that it may as well be impossible. Even then, it would be a full time job for many people to do the real time research that's needed to insure that corporate decisions that are made post investment don't run counter to their personal values.Learn To Flex Your MuscleSo now you can begin to see how difficult it can be, but it in fact...more
How to Manage Money and Eliminate DebtDashing through the mallswith credit card in handbuying big and smallI don't understand I wish I had more cashbut my credit card I'll useI spend it in a flashOh, I have the holiday blues Oh, Jingle Bells my credit smellsand I think I broke the bankOh, I wish I was debt freebut I have myself to thank Oh, Jingle...more
Many people hope that their working income will give them all they need to make ends meet and achieve their goals. The reality is that for most people, the regular job will never supply enough money to enable you to become financially successful. Today, we will look at the steps you can take to earn more money.Create Extra Income As we confirmed...more
As a college student, you may agree that life is not easy all the time. Aside from the challenges of dealing with peers and professors, passing exams, and keeping up with the daily school activities, financial issues can also add to the pressure. Many college students today find themselves confronted with the burden of debt on their shoulders.According to surveys, students with bad credit all have one thing in common unpaid student credit card debt. According to the Consolidated Credit Counseling Services Inc. 40% of college students get at least one student credit card on their freshmen year, while 20% apply for student credit cards while theyre in still high school. True, getting approved for a student credit card is fairly easy and owning a student credit card does have its advantages. Unfortunately, most students with credit cards dont know how to handle their student credit cards correctly. A study conducted by Nellie Mae, a leading student loan lending company, reveals that in 2001, 83% of undergraduate students own a credit card- each with existing balances that amount to $2,327 on average. Imagine how difficult it could be for a student to pay off a credit card...more
Women grants are a form of federal grants just for females. A federal grant is a financial assistance awarded to a recipient by a federal agency to help out the American public. The Department of Health and Human Services (DHHS) has provided detailed...more
Looking to make money online? A lot of people are looking to do the same as well, but not many people know where to start. If you are one of these people looking to create an internet business for the first time, but are wary to put in much money...more
We all know that paying bills is becoming harder and harder as the world economy struggles. It is harder to hold onto jobs and maintaining your quality of living can be tough as inflation strikes. If you've been struck by unfortunate circumstances...more
Small business government grant money is readily available today. The Obama administration is seeking to give millions of dollars away in grant money. Here are some steps that will hopefully help you in receiving a grant for your small...more
A government small business grant is more easily available than other forms of loans. This is because grants unlike loans do not require collateral or any other form of security. There are many thousands of dollars available as government small...more
Government home grants are often thought of as low-income housing programs, but there are many real estate grant programs for individuals and investors of all income levels and credit scores. Depending on what your specific goal is, there is...more