Home - Modest Needs® Investing, Saving and Personal Finance Official Site Brendon Burchard. #1 New York Times Bestselling Author 102 Personal Finance Tips Your Professor Never Taught You If you're anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn't learn anything about managing your personal finances. In fact, there probably wasn't even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn't we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it's time to wise up to some of the challenges of money management. A few (say, 102) simple financial tips can help get your money life (back) on the right track. The Painfully Obvious But Rarely Followed Tips Pay yourself first. Career and Education Get educated. Credit and Loans Get a rewards card. Frugality Buy a used car. Homeowning Upgrade your old bathrooms and kitchens. Insurance Insure yourself against financial ruin. Saving
How My Net Worth Went from $-40,000 to $285,000 in Five Years ∞ This is a guest post from FrugalTrader, who blogs about personal finance from a Canadian perspective at Million Dollar Journey. In 2003, my girlfriend (now wife) and I graduated from university with nearly $50,000 in debt. This debt was a combination of my wife’s $30,000 in student loans and her $20,000 new car loan. Since I learned fundamental saving habits at a very young age, I managed to graduate university debt-free with $10,000 in savings. Over the past five years, our financial picture has changed drastically. How did we do it? Here’s how we did it: We minimized our housing costs. Using these six steps, we have turned our financial situation around. For those of you who follow my blog, you know that we have recently upgraded our lifestyle with a new house. Photograph by jenn_jenn. This article is about Real-Life
Top 10 mutual fund terms (Page 2 of 2) 5. R-Squared R-squared measures a fund's movements against its particular benchmark index on a scale ranging from 1 to 100. An S&P 500 index fund will have an R-squared very close to 100 because the fund mirrors the index. A fund with a low R-squared number is moving out of sync with its index. A high R-squared means the beta on a fund is actually a useful measurement. 6. If you're a do-it-yourself investor, avoid funds that charge loads. 7. However, some funds waive the redemption fee when you move your money from one fund to another in the same family. 8. Some companies base their contingent load not on your original investment but on the amount you have in the fund when you withdraw. If you're thinking of investing in a fund, ask if they have a contingent deferred sales load. 9. You can track a fund's NAV like you would the price of an individual stock. 10.
Jack Canfield | Success Principles for Peak Performance Debt Free Adventure – Pay off debt. Save. Give. Live your mission. Debit Card Traps and Fees To Avoid: The Latest Target of Thieves A new law means new loopholes, new outrages, more fine print, and bigger bucks—for the credit card companies. ©2010 Jupiterimages Corporation If you don’t already hate your credit card company, see how you feel in 20 minutes. Did you finally think you’d caught a break when the government tightened laws to protect consumers? In advance of new regulations meant to protect us (many of the provisions took effect February 22), issuers raised rates, jacked up minimum payments, lowered credit limits, and tacked on even more crazy fees to protect their bottom line. The craniosacral therapist in Richardson, Texas, who charged $45,000 to finance her education and who had a good payment record? The freelance editor in Tallahassee, Florida, who always pays her balance in full? Now that the new consumer-friendly law has taken effect, we can all just get along, right? Q: Under the new rules, banks can’t mess with my interest rate, right? A: Maybe. Q: So I have the right to refuse the new rate?
Wells Fargo Mutual Fund Center With a mutual fund, you’ll get professional money management and diversification within or across different asset classes, with affordable investment amounts for individuals. Compare ways to invest in mutual funds Mutual funds are sold by prospectus. Mutual fund investing involves risks, including the possible loss of principal. This website is accompanied by current prospectuses for Wells Fargo Advantage Funds. Wells Fargo Funds Management, LLC, a wholly owned subsidiary of Wells Fargo & Company, provides investment advisory and administrative services for Wells Fargo Advantage Funds®. Other fees and expenses apply to an investment in no-load Investor Class shares and are described in a fund’s current prospectus. WellsTrade brokerage accounts are offered through Wells Fargo Advisors, LLC. Investment and Insurance Products: Not FDIC Insured No Bank Guarantee May Lose Value
Randy Gage - Helping You Create Wealth and Prosperity Give Me Back My Five Bucks How to Make a Spending Plan Financial Services: Investment and Financial Management from Service Provider Charles Schwab Investors should consider carefully information contained in the prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling Schwab at 800-435-4000. Please read the prospectus carefully before investing. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Schwab’s short-term redemption fee of $49.95 will be charged on redemption of funds purchased through Schwab’s Mutual Fund OneSource® service (and certain other funds with no transaction fees) and held for 90 days or less. Trades in no-load mutual funds available through Schwab’s Mutual Fund OneSource service (including Schwab Funds), as well as trades in certain other funds, are available without transaction fees when placed through Schwab.com or our automated phone channels. 1.