Finance Articles for All-About-Finances.com
Banking Articles
Articles on your banking needs.
Insuring Your Deposits
What Is the FDIC? The FDIC is short for the Federal Deposit Insurance
Corporation.
Insuring Your Deposits - page 2
Do not assume that the FDIC insures POD and living trust accounts separately.
Tips for Choosing the Right Savings
Account
Research the various types of savings accounts. Then follow these tips
for choosing the right savings account for you.
Savings Account Interest Rates
With a little work, it is possible to understand savings account interest
rates.
Five Things To Consider When
Choosing A Checking Account
Checking accounts have many options these days. How do you choose a checking
account?
Credit Unions Versus Banks
Banks don't like credit unions because they offer something that they
don't: consistent customer service and better interest rates.
Identity Theft and How to Prevent
It
The best way to combat identity theft or other such scams is prevention.
Keep Your Banking Information Safe
These are a just a few of the things that can be done to keep banking
information secure.
Should You Use Joint or Separate
Checking Accounts?
Joint or separate checking accounts depend on the preferences and spending
habits of the individual spouses.
Bankruptcy Articles
Articles explaining bankruptcy.
Facing Bankruptcy? Three Things You
Need To Know
On a final note, if you are forced to file for bankruptcy, you can move
forward to rebuild your credit.
Alternatives To Bankruptcy
Finding alternatives to bankruptcy can save you a world of trouble in
the long run.
Bankruptcy - Is It the Answer?
Bankruptcy should always be a last resort.
Bankruptcy Is Not the End
Bankruptcy is a hard choice to make but it doesn't mean the end.
Chapter 7 Versus Chapter 13 Bankruptcy
There are two types of bankruptcy that apply to the individual: Chapter
7 and Chapter 13.
Tips to Avoid Bankruptcy
Consider some options to avoid bankruptcy in the first place.
Career/Work Articles
Financial articles on work, career, self-employment, etc.
Education Articles
Articles on education, including k-12 grades, continuing
education and preparing for college.
College
Plan Ahead Before You Begin Saving for College
Before sinking a large sum of money into a savings account for your child's
education, consider whether your child will even want to further their
education.
529 College Savings to Help Fight the
Rising Cost of Tuition
529 college savings plans are available in and administered by each state.
Comparing Various College Savings
Plans
Families with children are already preparing for the inevitable by comparing
various college savings plans.
5 Must Have Items When Applying
for Student Loans
Here are 5 things you need to apply for a federal student loan.
Consider These Federal Student Loans
When it comes to federal loan programs there is a tremendous variety.
Advantages of Consolidating
Student Loans
Consolidating your student loans can be an excellent way to save money,
stress, and time paying back your debt.
Can Those With Bad Credit Still
Receive Student Loans?
Student loans are an option for many, however, if you have bad credit
there may be some hurdles you have to jump through.
Does My Child Qualify for Federal Aid
for College?
By preparing now for college, you won't have to wonder, Does my child
qualify for federal aid for college.
Start Saving Now for Your Child's Future
Education Expenses
One of the best options when saving for your child's college education
is the state 529 prepaid tuition program.
What is a Pell Grant and Do I Qualify for One?
Pell grants were established to help people in financial need pay for
college.
Family/Home Articles
Articles relating to credit, debt, kids, auto, etc.
Budget
Smart Secrets to Budgeting
The first smart secret to a budget is to set a goal.
Discipline Yourself to Spend Less
Curbing our spending requires discipline and an honest effort.
Do You Need to Eat Out Every Day?
It's fun to eat out with co-workers, but can our budget handle it?
Examine Your Spending Habits
Take a look at your spending habits. Each of us is either a spender or
a saver.
Save on the Grocery Bill With These Tips
You can cut your grocery bill with just these seven simple steps.
Meatless Meals - A Way To Save Money At
The Grocery Store
You can save a lot on groceries by staying away from the meat department.
Cutting Extras Can Increase Your Savings
By cutting some of the extravagancies out of your daily life, you can
save plenty of money.
Beginning the Frugal Life
Frugal people have learned to save as many pennies as they spend.
Discovering the Frugal Lifestyle
Living a frugal lifestyle is much easier than you might think.
Being Frugal Now Can Mean Future Security
The main idea behind the frugal life is that it gives you freedom.
Five Areas in Your Life to Live Frugally
The frugal life is one of thrifty shopping, careful choices, and a saving
mindset.
Frugal Spending Tips
A few frugal spending tips can save a lot of money.
Living Within Your Means
Here are some useful tips for how to live within your means.
Children
When Should Your Child Start a Savings Account?
There is some controversy concerning whether or not children should save
money.
Avoid the "I Want" Syndrome From Your
Children
Children learn quickly. A child that discovers they can get what they
want by acting out will do it again and again.
Children's Savings Accounts
A bank account allows children to keep track of money they have saved
more easily.
Should College Students Have Credit
Cards?
You can add your college student to your own credit card account.
Should College Students Pay For
Their Education?
By working together, the problem of funding a college education becomes
less painful.
Five Ways Kids Can Make Money
Teach your children the value of a dollar earned with these five tips
for them to make money.
Children Are Watching How You Manage Money
Children learn by watching others. Who do they watch more than their parents?
Raising Financially Savvy Teenagers
Parents can lend insight to teenagers about how to make and manage money.
What Is the Right Allowance Amount?
An allowance is money given to a child because they are your child.
Money Management Tips for Parents
The importance of money becomes obvious when we have kids.
How To Set Limits on Your Children's Spending
Setting limits on your children's spending can curb the urge to be less
than patient when it comes to money.
Teenagers Can Make Money These Seven
Ways
Teenagers today have more options than ever before of making extra money.
Should I Give My Child An Allowance?
There is nothing wrong with giving a child an allowance each week or each
month.
Advising Kids To Be Thrifty Spenders
As a parent, you can advise your kids how to be thrifty spenders.
Teaching Your Kids Responsible Money
Management
Responsible money management doesn't happen as an adult. It begins in
childhood.
Teaching Teens about Taxes
Teaching your teen about taxes can make the transition less of a shock.
Checking Accounts And Teenagers
A checking account is a way for teenagers to manage the money that they
make from their after school or summer job.
Credit
The History of Credit and the Bureau
Credit is deeply rooted into our history and it stems from a person's
or merchant’s product or service priced too high.
The Basics Of Your Credit Score
Credit report companies take the information on your credit history and
use a formula to determine a three digit credit score.
How To Use Free Credit Reports
There really are free credit reports available to you right now.
Credit Cards
Ditch the Credit Cards
Keep one credit card for emergencies and let the rest go.
Ways to Increase Your Credit Card Limit
Many credit card holders aspire for a higher credit card limit.
Debit Cards
Why You Should Never Own a Debit
Card
Using a debit card can cost you hundreds and even thousands of dollars.
Debit Cards - Are They Smart Choices?
Debit cards are a good choice if managing money is a problem.
Debt
Debt Collectors - Be Aware of Your Rights
With Debt
The title 'debt collector' is self explanatory and clearly states what
such a person does.
Is A Debt Management Plan Right For
You?
A debt management plan does not erase your debts or eliminate them in
anyway.
Getting Out of Debt On Your Own
Debt - It takes willpower and determination, but you can usually get out
of debt on your own.
The Expressway to Freedom from Debt!
Debt management is the route to debt freedom. There is a way out here
as well. Debt consolidation loan!
Five Simple Ways to Get Out of Debt
It may seem impossible to get out of debt. Here are five ways you can
eliminate your debt and get your finances back where they should be.
Create an Achievable "Get Out of
Debt" Plan
Getting out of debt on one's own is best if it's possible.
Credit Counseling Explained
A credit counselor is someone who is well versed in the area of debt management
and repayment.
Do Debt Consolidation Services Really Work?
There are debt consolidation or credit counseling services that consumers
can utilize.
Debt Management 101
Debt management simply means keeping debts down to a level where they
do not present a problem.
Debt Settlement Basics
Debt settlement involves using a third party to manage the debt situation.
Can a Government Grant Really Help Relieve
Debt?
One of the most interesting concepts in debt relief is the government
grant.
Help, I'm in Debt and Can't Get Out!
When you realize your debt is out of control, the first thing to do is
stop taking on new debt.
Stop Ignoring Debt Collectors and Start
Working With Them
When a debt collector calls, it's important to tell them about your circumstances.
Reasons Debt Management Doesn't Always
Work
Here are some reasons that debt management may not work.
Make Sure To Stick With Your Debt Relief
Plan
Sticking with a debt relief plan is the hardest thing for many people
to do.
Emergency Fund
Reasons Why Every Family Should Have an
Emergency Fund
Every family should have an emergency fund, and the sooner you get one
started, the better off you will be.
Financial Planning
Build Wealth Fast with a Powerful Personal
Financial Plan
By using a proven financial strategy such as this one you can reduce your
debt faster, and build wealth for your family quickly.
Money - General Articles and Magazines
Change Your Money Attitude
Our attitudes and thinking about money determine our spending habits.
Five Ways to Save More Than You Spend
Here are five ways to help you save more and spend less each month.
Overspending is Too Common
As long as there is a credit company or store willing to extend more credit,
the problem of overspending will continue.
Insurance Articles
Insurance articles, including auto, health, homeowners
and life insurance.
Investing Articles
Articles on all aspects of investing, including land
investments, online trading, stocks, etc.
How Much Capital Should You Start
With For Online Investing?
I get tons of questions from first time investors regarding this topic
of how much they should start online investing with.
Loan Articles
Articles relating to loans, including auto, education,
home, personal, etc.
Personal Loans
A Personal Loan Is There For You Whenever
You Need It
Personal loans are usually unsecured. However, some lenders offer Secured
Personal Loans.
About Online Personal Loans
Applying for an online personal loan is quick and easy.
Payday Loan vs. Credit Card Cash
Advances
Both payday loans and credit card cash advances are an expensive solution.
Are Online Payday Loans Just a Scam?
Online payday loans may not be a scam, but it does mean you have to read
the fine print.
Be Cautious When Taking Out a Cash Advance
Loan
Taking out a cash advance requires little on your part.
Is a Cash Advance Loan Right for Me?
Payday or cash advance loans are an alternative for people in a cash crunch.
What Do I Need In Order to Receive
a Payday Advance Loan?
The basics necessities for a payday loan are...
About Payday Loans
Payday loans are marketed as a way to get fast cash to hold the borrower
over until their next paycheck.
Car Loans
Applying Online for an Auto Loan - The
Advantages and Disadvantages
Here are the pros and cons to applying for an online auto loan.
Determine What You Can Afford Before You
Buy That New Car
Can you afford the monthly payments? Will you be approved for your loan?
I Need a Pre-Approved Auto Loan
Pre-approval for your next auto loan is a helpful step in keeping your
next car purchase on track and making it as easy as possible.
Shop Around for a New Car Loan
Shop around. Every bank and lending organization will have different rates
and lending terms.
Used Car Loan Interest Rates And Lengths
Used car loans are generally for a much shorter period of time than a
new car loan and you generally borrow less.
Real Estate Articles
Articles relating to real estate, including buying and
selling a home.
What's the Deal with Interest Only
Mortgages?
Have you heard that commercial about interest-only mortgages...
All About Refinancing a Mortgage
So what is refinancing and why do people refinance their current mortgages?
Retirement Articles
Retirement Planning
It's Never too Early to Start
Saving for Retirement
Most financial advisors will advise you to begin saving money for retirement
when you begin your first job.
How Much Do I Need to Save for Retirement?
As the retirement years draw to a close, many people wonder, How much
do I need to save for retirement?
What to do with your 401(k) Savings When
You Leave a Company
There are a couple of different options of what you can with your 401(k)
when you change jobs.
401(k) - Details and Explanations
401(k) - details and explanations that will help someone decide whether
a 401(k) is right for them or not.
401(k) Plans - The Advantages and Disadvantages
By looking at the advantages and disadvantages to 401(k) plans, research
or advice may be needed.
Differences in Saving for Retirement
for Men and Women
Because there are differences in saving for retirement for men and women,
both would benefit from education and advice from qualified financial
planners.
Don't Rely on Your Pension Alone
However you decide to save for retirement, don't rely on your pension
alone.
Roth IRAs, 401(k), and 403(b) - Which one
is Right for Me?
These short overviews for the Roth IRA, 401(k), and 403(b) plans are not
exhaustive, but they might help you answer the question, Roth IRAs, 401(k),
and 403(b) - which one is right for me?
Tips for Making Early Retirement a Reality
These tips for making early retirement a reality might help you retire
a few years early.
Tax Articles
Articles about your taxes, how to file, etc.
Common Family Tax Questions
It's important to understand all of these tax issues in order to have
financial health for your family.
Free Tax Advice Resources on the Web
Thanks to the Internet, you have a whole variety of free tax advice resources
at your disposal.
Should You Hire a Tax Preparer or Go It Alone?
Let's weigh some of the key factors in determining whether or not to enlist
the aid of a tax professional.
Tax Tips for the Self Employed
Being self-employed comes with a whole host of tax-related advantages
and savings.
Three Common Tax Questions
Find the answers to these three common tax questions.
Explaining Deductions on W-4 Form
The more deductions you claim on your W-4 form, the more money you see
in your paycheck.
Determining Your Correct Filing Status
Here are some facts to help determine which tax filing status applies
to you.
Do You Have To Report Your Online Income?
If you have an online business, do you know whether or not you need to
report income?
Filing Your State Taxes Online
State taxes and federal taxes can be filed together using the IRS e-file
system online.
Is Getting A Rapid Refund A Good Idea?
The rapid refund program allowed families in need of the money to get
it sooner rather than later.
Economic Stimulus Rebate – What
to Know, How to Get One
President Bush signed a new economic stimulus package into law February
2008.
Alternative Minimum Tax Explained
The alternative minimum tax is not a concern for most people who make
a medium salary.
Eligibility for Child Care Credit
The child care credit can be claimed by qualified parents or guardians
that have paid for the care of a dependent child.
Tax Season Stress? How to Prepare for Potential
Bills
The good news is, preparing to pay for a tax bill may be easier than you
think.
What's The Difference Between Dependents
and Exemptions?
These two terms, dependents and exemptions, are separate but work together.
Are You Eligibile for The Earned Income
Credit?
The earned income credit, or EIC, is a tax credit aimed at helping the
poor and low income families to increase their standard of living.
How Selling Your Home Affects Your
Taxes
Selling your home can also be a great way to catch a tax break.
Have A Tax Question? Here's The Information
You Need
Here is some advice on where to find the answers to tax questions you
have.
Filing An Injured Spouse Claim
The injured spouse claim form can be filed up to six years after the qualifying
event.
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