http://www.upublish.info/Category/Personal/97 Personal articles from U Publish Articles Rss Follow Up Sat, 11 Oct 2008 15:37:07 -0700 A few short months ago the biggest topic for the political candidates was the two wars that the United States is currently fighting. It was and still is a hot button topic but it has taken a back seat to a bigger issue our economy. The war in Afghanistan affected us all directly and had sentimental importance because of the terrorist problems in the world. The war in Iraq started out popular, but we all know where that is today. So it seemed like the war would be the main topic of this years election. However with the mortgage meltdown and the sputtering economy, things have definitely changed and the concern of most Americans is how is the election (and the next President) going to help lead us out of this economic downturn? http://www.upublish.info/Article/What-Impact-Will-The-Mortgage-Industry-Bail-Out-Have-On-You-/168153 Sat, 11 Oct 2008 00:00:00 -0700 http://www.upublish.info/Article/What-Impact-Will-The-Mortgage-Industry-Bail-Out-Have-On-You-/168153 The key reason we want to keep tracking our spending when we live in budget is so that we know where our money goes and make sure it goes to the right place while it helps us to spot the leaks so that we can plug these leaks as soon as possible. Here are the common five budget leads and how to plug them so that you are spending within your budget. http://www.upublish.info/Article/Five-Budget-Leaks---How-to-Plug-Them/166250 Mon, 06 Oct 2008 00:00:00 -0700 http://www.upublish.info/Article/Five-Budget-Leaks---How-to-Plug-Them/166250 Cash back credit cards are one of the latest crazes to sweep the personal finance. In addition to that, it also provides some host tools for the management. http://www.upublish.info/Article/Personal-Finance-Industry/165354 Thu, 02 Oct 2008 00:00:00 -0700 http://www.upublish.info/Article/Personal-Finance-Industry/165354 The average family business today will have a wide range of assets. Some of these are easy to access, while others are of a 'non-cash' variety. Whether you plan to keep or sell your business, with proper planning and preparation, you can maximize your returns. This article will give you several tips to help you protect your profits. http://www.upublish.info/Article/Rarely-Sold-Assetts---How-To-Protect-Your-Profits/165193 Thu, 02 Oct 2008 00:00:00 -0700 http://www.upublish.info/Article/Rarely-Sold-Assetts---How-To-Protect-Your-Profits/165193 Financially, the way we think is often a product of our environment growing up. To be successful financially, we must understand in what ways this environment has influenced us, decide how we to be, and then make the necessary changes, keeping in mind that to attract something, we must have a positive opinion of it. http://www.upublish.info/Article/The-first-step-to-financial-strength---understanding-your-personal-finanancial-psyche/164573 Mon, 29 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/The-first-step-to-financial-strength---understanding-your-personal-finanancial-psyche/164573 The biggest problem with defining oneself by one's possessions is unfortunately one's possessions. This follows directly behind the old proverb 'be careful what you wish for because you just might get it.' And later wish you hadn't. http://www.upublish.info/Article/If-My-Personal-Assets-are-Worth-Less--Am-I-Worthless-Too-/163158 Wed, 24 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/If-My-Personal-Assets-are-Worth-Less--Am-I-Worthless-Too-/163158 You may have enjoyed a nice relationship with your credit card over the last few years. Youve taken it out to dinner on numerous occasions. Its acted like a best friend and helped you out of a jam in emergency situations. You even went on vacation with it and enjoyed a nice, relaxing time sipping tropical drinks while watching the sun set. Then, out of the blue your credit card company sends you a letter telling you that your credit limit has been slashed. Where did it all go wrong? http://www.upublish.info/Article/How-to-Cope-With-Sudden-Changes-in-Credit-Card-Spending-Limits/162853 Tue, 23 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/How-to-Cope-With-Sudden-Changes-in-Credit-Card-Spending-Limits/162853 This article helps people to think seriously before resorting to the use of their 401K and other retirement funds to pay down debt. The article provides guidance on what may be a better option than utilizing these funds which are designated for use during the "Golden Years" of life. http://www.upublish.info/Article/Think-Before-Tapping-Into-Your-401K-To-Pay-Off-Debts/162071 Sat, 20 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Think-Before-Tapping-Into-Your-401K-To-Pay-Off-Debts/162071 In this newsletter, I am going to talk about the current challenges we face in our money lives and outline some simple tools to make positive changes in your financial life today. http://www.upublish.info/Article/Five-Ways-to-Prosper-During-Difficult-Times/161784 Thu, 18 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Five-Ways-to-Prosper-During-Difficult-Times/161784 Many of us have more than one checking account with one or more financial institutions. For example, joint checking, business checking, personal checking and more. But can having numerous checking accounts affect your credit score? http://www.upublish.info/Article/How-Do-Multiple-Checking-Accounts-Affect-FICO-/161733 Thu, 18 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/How-Do-Multiple-Checking-Accounts-Affect-FICO-/161733 With the pressure rising globally on how to manage money effectively, take the test on how you measure up. http://www.upublish.info/Article/Take-The-Test-On-How-You-Rate-on-The-Scale-of-Money-Management-/161067 Tue, 16 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Take-The-Test-On-How-You-Rate-on-The-Scale-of-Money-Management-/161067 This is one person's true story about annuities. It is an eye opener and worth reading. http://www.upublish.info/Article/Annuities--My-True-Story-and-the-Bad-News/161022 Tue, 16 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Annuities--My-True-Story-and-the-Bad-News/161022 I would like to introduce you to the real meaning of budgeting. Forget about the concept of restriction and restraint often associated with household budgets and start thinking about your finances in the same way that good businesses do. http://www.upublish.info/Article/Why-Planning---Budgeting-is-Critical-to-Becoming-Financially-Free/159774 Wed, 10 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Why-Planning---Budgeting-is-Critical-to-Becoming-Financially-Free/159774 Use offshore investing companies to save your wealth, not just to invest it in offshore assets. http://www.upublish.info/Article/Use-Offshore-Investing-To-Grow-Your-Assets/159065 Mon, 08 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Use-Offshore-Investing-To-Grow-Your-Assets/159065 Are you about to embark on your university course? Will you be living away from home for the first time and managing your own budget? I have listed five ways in which you can save money whilst studying for your lucrative future employment. With levels of student debt fast approaching £4,500 a year it is worth trying to saving money where you can. With the cost of fuel, food and heating all on the rise it is important to find ways to minimise your out goings whilst still enjoy student life to the full. http://www.upublish.info/Article/Five-Money-Saving-Tips-for-New-Students/158968 Mon, 08 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Five-Money-Saving-Tips-for-New-Students/158968 Exactly what is causing food and fuel prices prices to rise and property values to fall? And why you need consider consolidating your debt now to beat the rising credit crunch. http://www.upublish.info/Article/Consolidate-Your-Debt-to-Beat-Price-Increases-and-the-Credit-Crunch/158840 Sun, 07 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Consolidate-Your-Debt-to-Beat-Price-Increases-and-the-Credit-Crunch/158840 Employer provided pension plans, Social Security, and (always much too expensive) fixed annuity contracts, are retirement income providers. They are monthly income machines that you have paid dearly for but which may not be adequate to cover your retirement expenses--- most of us will need more income than our guaranteed benefits will provide. http://www.upublish.info/Article/Retirement-Income-Investment-Planning---Step-One/158822 Sun, 07 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Retirement-Income-Investment-Planning---Step-One/158822 Nobody can predict every possible emergency or financial problem, but every can do their best to plan for the unexpected. http://www.upublish.info/Article/Plan-Ahead-For-A-Job-Loss/158617 Sat, 06 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Plan-Ahead-For-A-Job-Loss/158617 Money market IRAs as well as other investing options such as Fixed-term CDs and variable-term CD are some of the facilities Bank of America offers its customers. Now, let me not take it for granted that you know what IRA is. Simply put, it is a scheme designed for working people to save for retireme http://www.upublish.info/Article/What-You-Should-Know-About-IRAs-As-A-Retirement-Plan/158215 Thu, 04 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/What-You-Should-Know-About-IRAs-As-A-Retirement-Plan/158215 It is great that many people are now searching for good financial advice. With past generations, the typical financial advice passed down from parents to children was: buy a home, pay it off as quickly as possible and then - if you are really good at managing your money - buy an investment property. So what are the basics of sound, practical and realistic investing? http://www.upublish.info/Article/Safe-Investing---Where-to-Start/157828 Wed, 03 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Safe-Investing---Where-to-Start/157828 This is a list of ways to save more money, the focus being on how easy they are to adopt and stick to. No lifestyle-altering suggestions here. http://www.upublish.info/Article/Ten-Painless-Ways-To-Save-More-Money/157725 Tue, 02 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Ten-Painless-Ways-To-Save-More-Money/157725 There is another option for senior homeowners out there which is not considered a loan but rather a real estate transaction known as the Equity Key Product. The Equity Key is unique in a number of ways. Homeowners are actually agreeing to give up a percentage of future equity for a cash settlement today http://www.upublish.info/Article/Equity-Key--the-Jumbo-Reverse-Mortgage-Alternative/157474 Mon, 01 Sep 2008 00:00:00 -0700 http://www.upublish.info/Article/Equity-Key--the-Jumbo-Reverse-Mortgage-Alternative/157474 A few years ago, I designed a game to teach people how to master wealth creation. For this, I used the basic Monopoly game but changed the rules somewhat to create a situation that follows the six stages of the Money Program. http://www.upublish.info/Article/If-You-Want-to-Become-Wealthy-Play-Win-Win/157037 Fri, 29 Aug 2008 00:00:00 -0700 http://www.upublish.info/Article/If-You-Want-to-Become-Wealthy-Play-Win-Win/157037 Improve you financial management with quality information and advice on individual savings accounts, also know as isa's. http://www.upublish.info/Article/Saving-Money-With-An-Individual-Savings-Account/156905 Fri, 29 Aug 2008 00:00:00 -0700 http://www.upublish.info/Article/Saving-Money-With-An-Individual-Savings-Account/156905 Although it is true that you do not pay income taxes on your contributions up front, during your earning years, you will undoubtedly pay through both nostrils when you attempt to retire. If your parents have planned poorly, you may find yourself trying to retire at a time when the stock market is not in a party mood--- http://www.upublish.info/Article/Why-401-k--Retirement-Plans-Really-Don-t-Work/156758 Thu, 28 Aug 2008 00:00:00 -0700 http://www.upublish.info/Article/Why-401-k--Retirement-Plans-Really-Don-t-Work/156758