Alternatives To Credit Cards

Credit cards are supposed to be a convenient alternative to using cash. People only need to present their cards at a store for their purchases. There is no need for people to bring along cash when you have a credit card. But despite its benefits, there can also be certain disadvantages. One of the serious issues connected to credit cards is that they allow people to have the perception about more purchasing power t

Posted by Ardent Editor on Dec 7 2013 in Money 101 Tags: , ,

Habits That Can Ruin Your Credit Standing

Maintaining a good credit standing is essential nowadays when the economic future is a bit uncertain. Establishing a good credit score will always give you that option of taking a loan in case of emergencies. That, in a way, will give you a fall back in case you become cash-strapped. But some people take their credit standing for granted. There are certain habits that can ruin your credit and put you deep in debt w

Posted by Ardent Editor on Dec 6 2013 in Money 101 Tags: ,

Taking Care Of Credit Card Debts Before Retirement

There is one important thing that you need to take care of before you ever plan on retiring. You need to make sure that your credit card debt is properly maintained and, if possible, fully paid off. You will never have such a bigger worry in retirement as your debts. They can erode your retirement fund if you still need to pay for them after you retire. Credit card debt stands to be the biggest problem that would-b

Posted by Ardent Editor on Sep 30 2013 in Money 101 Tags: ,

Practical Ways To Save Money for Retirement

There are many ways to spend money. And in reality, it is always easier to spend them and harder to save them. Although it might be quite a challenge for many people to save money for retirement, here are some practical ways that will help saving money easier to do. It is what you spend that may be stopping you from saving money for retirement, not the amount that you earn. Electricity Savings At home, you may be u

Posted by Ardent Editor on Apr 2 2013 in Money 101 Tags: , ,

Reverse Mortgage For Retirees

A reverse mortgage is just one of the many options available for retirees to gather additional funds from their home equity in case they might need them. Essentially, a reverse mortgage is a loan taken out from the equity of your own home. The only difference is that the homeowner does not pay for the loan during his or her lifetime as long as the owner has not sold it and is still living in it. Payment of the loan starts either when the homeowner dies or when the said property is sold.How Rever…

Posted by Ardent Editor on Apr 15 2010 in Money 101

Personal Money Saving Tips

In times of hardships, it pays to have some money saved up for just such instances. Saving a bit of one’s earnings on a regular basis can only be appreciated in times when the money set aside suddenly becomes a great help during rough times. It pays to make saving a habit. Here are some important personal money saving tips to help you start the habit easily. Make your money harder to spend.Many people find it hard to keep a portion of their money for the rainy days simply because they make it ea…

Posted by Ardent Editor on Jan 22 2009 in Money 101

How to Earn Supplemental Income

Do you have a supplementary income? This is the kind of income you generate apart from the income you receive from your main job or work. It can come from a variety of sources, such as a small business, a supplemental job, a profitable hobby or talent, and interest or earnings on a particular investment.Making a supplementary income is in many ways helpful when it comes to investing. There are jobs out there that do not require any special skills at all. You can make the most of it and help your…

Posted by Ardent Editor on Jan 5 2009 in Money 101

Budgeting After Retirement

Retirements have to be planned. It is not much of a responsibility in itself but a necessity if we have to take a closer look at it. One of these is budgeting after retirement. This should be regarded as part of the retiring process itself. But providing enough time for this will carve an easy life in the future.It is always undeniable that budgeting can be a headache in itself. There is no other way in which a simpler plan could be done. Everything is in the way you handle it. Discipline and a …

Posted by Ardent Editor on Sep 29 2008 in Money 101

Understanding Retirement Expenses

Expenses after retirement life can be as much as a headache or as a priority to live with. That is why careful planning is involved here. It is not just something that someone will have to dive into once retirement has taken place. Of course, future is what await us, and it will await us. So meticulous planning should be done as much as possible when you are to consider expenses as part of your retirement.Expenses to consider before or after retirementKnowing what your future will be give you an…

Posted by Ardent Editor on Sep 23 2008 in Money 101

Working After Retirement

People usually surrender to the notion that retirement means they have to stop working and spend the rest of their lives slowing down while enjoying the leisurely activities they did not have time for while they were employed.  However, you could consider working even after your retirement.  Surveys shown that almost two-thirds of Americans who are not yet retired say that they plan on continuing to work at some type of job that will continue earning them a paycheck even after retirement.Reasons…

Posted by Ardent Editor on Sep 18 2008 in Money 101

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