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<title>Finance:Personal-Finance Articles from EzineArticles.com</title>
<link>http://EzineArticles.com/?cat=Finance:Personal-Finance</link>
<pubDate>Thu, 24 May 2012 17:22:06 -0500</pubDate>
<image><title>Finance:Personal-Finance from EzineArticles.com</title>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
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<title>Residual Income Grows Exponentially</title>
<link>http://EzineArticles.com/7071244</link>
<guid>http://EzineArticles.com/7071244</guid>
<pubDate>Thu, 24 May 2012 17:05:03 -0500</pubDate>
<description><![CDATA[Would you rather have income that is linear, meaning trading the hours of your life for dollars, or exponential? Residual Income grows exponentially. In essence, you work hard once and get paid for it over and over again. By creating a Residual Reality for yourself you are able to better leverage your time and really enjoy life.]]></description>
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<title>Know How You Can Benefit From the Best Annuity Rates</title>
<link>http://EzineArticles.com/7079025</link>
<guid>http://EzineArticles.com/7079025</guid>
<pubDate>Thu, 24 May 2012 15:50:37 -0500</pubDate>
<description><![CDATA[Annuity rates vary in every annuity plan. When you are shopping for annuity always check what rate does it have and then go for purchasing it. You can increase your future income by investing or buying annuity.]]></description>
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<title>Football Checks Can Be Ordered From Licensed Stores</title>
<link>http://EzineArticles.com/7078650</link>
<guid>http://EzineArticles.com/7078650</guid>
<pubDate>Thu, 24 May 2012 15:27:06 -0500</pubDate>
<description><![CDATA[Do you love football? Do you make sure to get passes for all the football games and cheer in stadiums for your favorite team till your throat gets sore? If yes, then you might like the idea of having your favourite sport will you at all times even when you miss out on matches. Here is where the football checks come into the picture.]]></description>
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<title>How to Spend Your Tax Refunds Smartly</title>
<link>http://EzineArticles.com/7078330</link>
<guid>http://EzineArticles.com/7078330</guid>
<pubDate>Thu, 24 May 2012 13:38:19 -0500</pubDate>
<description><![CDATA[If you happen to be one of those people who always pay more than they should for their tax, then you should be expecting tax refunds. Everyone knows how tempting it is to go shopping or do whatever you want when you have extra money. But, there are certain other important things that you should do with your tax refunds. Know what are they.]]></description>
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<title>Why Do I Need A Personal Banking System If I Already Have A 401K, IRA OR SEP?</title>
<link>http://EzineArticles.com/7070914</link>
<guid>http://EzineArticles.com/7070914</guid>
<pubDate>Thu, 24 May 2012 10:51:30 -0500</pubDate>
<description><![CDATA[Advantages and benefits of creating a personal banking system. How a personal banking system can help at the individual level and national level.]]></description>
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<item>
<title>The Ideal "Don't Care" Life</title>
<link>http://EzineArticles.com/7066309</link>
<guid>http://EzineArticles.com/7066309</guid>
<pubDate>Wed, 23 May 2012 10:49:09 -0500</pubDate>
<description><![CDATA[I believe one of the most underrated luxuries is to be able to say "I don't care" and really mean it. That means the primary benefit of having wealth should not be about the accumulation of things. That would create more stress on almost anyone. Instead, just the opposite should be true, i.e., wealth should free a person up from the stress of having to worry about so many things.]]></description>
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<title>Does Saving Now Make for a Better Financial Future?</title>
<link>http://EzineArticles.com/7066773</link>
<guid>http://EzineArticles.com/7066773</guid>
<pubDate>Wed, 23 May 2012 10:04:07 -0500</pubDate>
<description><![CDATA[When you learn to be frugal and budget your money, goals will be much easier to reach. Being frugal allows you to put more money into a savings account. Frugal living tips will have you saving a great deal in a short period of time.]]></description>
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<title>How to Be Frugal Without Being Stingy</title>
<link>http://EzineArticles.com/7066789</link>
<guid>http://EzineArticles.com/7066789</guid>
<pubDate>Tue, 22 May 2012 15:07:06 -0500</pubDate>
<description><![CDATA[Learning to be frugal can be fun. Frugal living does not mean you are stingy. A frugal lifestyle has many advantages. You won't have to work as much when you live frugally.]]></description>
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<item>
<title>The Problem With the College Bookstore</title>
<link>http://EzineArticles.com/7058545</link>
<guid>http://EzineArticles.com/7058545</guid>
<pubDate>Tue, 22 May 2012 14:51:51 -0500</pubDate>
<description><![CDATA[To my college bookstore's credit, there are a lot of things it does really well. For starters, it smells fantastic. I have no idea what types of mystical perfumes are being used on their shelves, but if all books smelled this good I might have actually finished Pride and Prejudice.]]></description>
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<title>The Importance of Medical Insurance for Expats</title>
<link>http://EzineArticles.com/7073644</link>
<guid>http://EzineArticles.com/7073644</guid>
<pubDate>Tue, 22 May 2012 12:25:57 -0500</pubDate>
<description><![CDATA[Every country has a different method of organising healthcare for its citizens, but what happens if you've moved abroad to retire? This is where medical insurance for expats becomes a vital purchase. If you've never considered medical insurance before... perhaps it's time to start.]]></description>
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<title>Sports Checks to Boost Your Favourite Sports Team</title>
<link>http://EzineArticles.com/7072986</link>
<guid>http://EzineArticles.com/7072986</guid>
<pubDate>Tue, 22 May 2012 11:06:52 -0500</pubDate>
<description><![CDATA[Checks are a part and parcel of our everyday lives. Gone are the days where customers were content with plain and boring checks to deposit and withdraw money. These days many of the checks come with themed images, patterns and designs that customers can choose from. If you are a sports lover, then you can even purchase sports checks from online stores.]]></description>
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<title>What Is a Debt Settlement Program?</title>
<link>http://EzineArticles.com/7066469</link>
<guid>http://EzineArticles.com/7066469</guid>
<pubDate>Tue, 22 May 2012 08:22:19 -0500</pubDate>
<description><![CDATA[More than likely, you've come across an advertisement for companies offering debt settlement programs. I'm sure you've heard the ads asking questions like "Do you have over $10,000 in debt?" or "Are you over your head in debt?]]></description>
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<title>It's All About Debt</title>
<link>http://EzineArticles.com/7061740</link>
<guid>http://EzineArticles.com/7061740</guid>
<pubDate>Mon, 21 May 2012 17:09:31 -0500</pubDate>
<description><![CDATA[Most of our problems arise from overuse or mismanagement of credit and debt. Whether it's the national economy or your personal household budget sensible control and restraint is required.]]></description>
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<title>Its Time to Change the Way You Think About Money</title>
<link>http://EzineArticles.com/7064346</link>
<guid>http://EzineArticles.com/7064346</guid>
<pubDate>Mon, 21 May 2012 14:28:50 -0500</pubDate>
<description><![CDATA[Stop and think about money. If you tend to overspend, you will find that a budget can help to control your spending. If you find it is stopping you from making forward progress, its time for you help yourself by sitting down and thinking about your attitude toward money.]]></description>
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<title>Guide to Health Insurance, Income Protection and Critical Illness Cover</title>
<link>http://EzineArticles.com/7070064</link>
<guid>http://EzineArticles.com/7070064</guid>
<pubDate>Mon, 21 May 2012 14:27:59 -0500</pubDate>
<description><![CDATA[In the UK, there are three types of insurance that are commonly misunderstood by consumers: health insurance, income protection and critical illness cover. Here, we distinguish between them to help people choose a protection policy that is right for them.]]></description>
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<title>Why You Should Not Trust Financial Advisors</title>
<link>http://EzineArticles.com/7066866</link>
<guid>http://EzineArticles.com/7066866</guid>
<pubDate>Mon, 21 May 2012 14:14:20 -0500</pubDate>
<description><![CDATA[A client recently requested my opinion of an annuity he was considering for purchase. I responded that I would happily review the product, and that I would simply need a copy of the annuity contract in order to complete a thorough analysis. Unfortunately, the client had an amazingly difficult time obtaining literature concerning the annuity he was essentially ready to purchase. Despite multiple requests, the financial advisor promoting the annuity failed to provide the client with written documentation covering the product he was so excited to talk about. The week-long exchange between myself, the annuity salesman, and the client turned out to be a startling illustration of what people should look for when evaluating the trustworthiness of a financial advisor.]]></description>
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<title>Three Common Myths About Cash ISAs</title>
<link>http://EzineArticles.com/7068375</link>
<guid>http://EzineArticles.com/7068375</guid>
<pubDate>Mon, 21 May 2012 13:06:13 -0500</pubDate>
<description><![CDATA[In a financial climate where looking after every penny truly counts, 'ISA' has become more than just a buzzword. The Cash ISA (Individual Savings Account) effectively allows us to lock a sum of our money away from the taxman. Any funds secured in a Cash ISA are exempt from Capital Gains Tax and UK Income Tax. The maximum amount that can be deposited into these accounts for 2012/13 is ?5640 which is why so many consumers find this a tax efficient means of saving. With the increasing prominence of ISAs on the market, it is no surprise that there is often confusion but as with all financial products, it is important to disregard the hype and invest in the facts. This article will help to disperse three of the most common misconceptions regarding the infamous ISA.]]></description>
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<title>Planning For Your Retirement: How To Prepare For The Best Years Of Your Life</title>
<link>http://EzineArticles.com/7067586</link>
<guid>http://EzineArticles.com/7067586</guid>
<pubDate>Fri, 18 May 2012 16:47:27 -0500</pubDate>
<description><![CDATA[Planning for your retirement is something that should happen when you're young. If you're able to implement these planning for retirement tips when you're still in your 20s, you'll be able to retire more easily.]]></description>
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<title>Are You Saving Enough to Live on When You Retire?</title>
<link>http://EzineArticles.com/7063601</link>
<guid>http://EzineArticles.com/7063601</guid>
<pubDate>Fri, 18 May 2012 16:02:28 -0500</pubDate>
<description><![CDATA[There is no doubt the closer we all get to retirement the more our minds focus on what income we will have and where it's going to come from. And the strange thing is, just about everyone see retirement as something to look forward to. To have more holidays, spend more time with our families and just do stuff we never got round to when we were busy working.]]></description>
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<title>7 Simple Steps to Help You Keep Your Nerve When the Markets Start to Give You the Jitters</title>
<link>http://EzineArticles.com/7063574</link>
<guid>http://EzineArticles.com/7063574</guid>
<pubDate>Fri, 18 May 2012 15:58:16 -0500</pubDate>
<description><![CDATA[The stock markets can be volatile from time to time. Here are 7 tips to help you keep your nerve.]]></description>
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<title>Knowing Your Debt Relief Options</title>
<link>http://EzineArticles.com/7070892</link>
<guid>http://EzineArticles.com/7070892</guid>
<pubDate>Fri, 18 May 2012 15:43:17 -0500</pubDate>
<description><![CDATA[If you are drowning in debt you probably understand the headaches and stresses associated with weighing your options. There are many ways to resolve your debts, some of which may be more or less beneficial depending on your financial situation. Before you decide on which option is best for you, be sure you have reviewed all of the options available and their associated risks and benefits.]]></description>
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<title>Never Worry About Money Again!</title>
<link>http://EzineArticles.com/7046507</link>
<guid>http://EzineArticles.com/7046507</guid>
<pubDate>Fri, 18 May 2012 14:43:44 -0500</pubDate>
<description><![CDATA[Do you ever worry about money? Do you worry about what could happen if you buy this or don't pay that, worry about how much it's going to cost, or maybe even where it's going to come from? You're not alone.]]></description>
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<title>Getting Out of Personal Debt: Things You Should Know</title>
<link>http://EzineArticles.com/7061099</link>
<guid>http://EzineArticles.com/7061099</guid>
<pubDate>Fri, 18 May 2012 12:20:35 -0500</pubDate>
<description><![CDATA[It is not a crime to want the good things of life but most people would rather give away their freedom in order to enjoy these pleasures. We are becoming increasingly very comfortable with spending the money we don't have.]]></description>
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<title>Who Should You Go To For Advice On First Time Buyer Mortgages?</title>
<link>http://EzineArticles.com/7056723</link>
<guid>http://EzineArticles.com/7056723</guid>
<pubDate>Fri, 18 May 2012 11:51:17 -0500</pubDate>
<description><![CDATA[Buying your first home is a daunting prospect - but also an exciting one! It's one of the biggest decisions you will ever make in your life so you've got to get it right. Apart from finding your perfect pad, arranging the financing is the hardest part. It's quite technical and requires a lot of research and knowledge So who are the experts in first time buyer mortgages you should approach?]]></description>
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<title>Exercise Your Right to Open Market Option and Get the Best Deal on Annuity</title>
<link>http://EzineArticles.com/7060537</link>
<guid>http://EzineArticles.com/7060537</guid>
<pubDate>Thu, 17 May 2012 14:55:18 -0500</pubDate>
<description><![CDATA[Buying an annuity is a once in a lifetime purchase so getting it right first time is vital. Retirees can get a higher annuity offer by using the open market option.]]></description>
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<title>Financial Advisors: Planning Your Financial Future</title>
<link>http://EzineArticles.com/7063456</link>
<guid>http://EzineArticles.com/7063456</guid>
<pubDate>Thu, 17 May 2012 12:04:56 -0500</pubDate>
<description><![CDATA[It's good to know your current financial position for future goals. Seeking a financial adviser for help is always the step in the right direction.]]></description>
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<title>How Managing Your Energy Can Make Managing Your Money Easier</title>
<link>http://EzineArticles.com/7061802</link>
<guid>http://EzineArticles.com/7061802</guid>
<pubDate>Thu, 17 May 2012 10:38:31 -0500</pubDate>
<description><![CDATA[Managing your money well requires you to manage your energy and your emotions well, we all know that. How much harder is it for you to resist the temptation to overspend or to stay committed to your daily personal finance planning habits when you're physically exhausted? On the other hand, how much easier...]]></description>
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<title>Financial Incompatibilities Can Undermine a Happy Marriage</title>
<link>http://EzineArticles.com/7059111</link>
<guid>http://EzineArticles.com/7059111</guid>
<pubDate>Wed, 16 May 2012 16:51:59 -0500</pubDate>
<description><![CDATA[A friend was very distraught when she found the bills weren't being paid. Her son had discovered stacks of unpaid bills hidden in a closet, her husband had drained their son's college fund, and she found massive bills from credit cards she didn't even know existed. Even though she had always felt secure financially, she now knew that the bottom had fallen out of that security.]]></description>
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<title>Higher Education Changing US Job Market</title>
<link>http://EzineArticles.com/7055057</link>
<guid>http://EzineArticles.com/7055057</guid>
<pubDate>Wed, 16 May 2012 16:20:11 -0500</pubDate>
<description><![CDATA[Globalization: the development of an increasingly integrated global economy marked especially by free trade, free flow of capital, and the tapping of cheaper foreign labor markets, this definition supplied by Webster's dictionary. To put this in a more condensed frame, this is when trade extends beyond goods into jobs and careers that will shape the economic growth of tomorrow. With such a comprehensive subject, one can only imagine the impact that this trend, which has been developed meticulously over the past twenty years, will have on future generations.]]></description>
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<title>Are You Looking For a Fast Way to Make Money?</title>
<link>http://EzineArticles.com/7050407</link>
<guid>http://EzineArticles.com/7050407</guid>
<pubDate>Wed, 16 May 2012 16:12:32 -0500</pubDate>
<description><![CDATA[Are you looking for a fast way to make money? If you are in need of quick cash, consider selling your stuff on Craigslist. It is easy, fast and FREE!]]></description>
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<title>Determining How Much the Investment Will Yield As Time Runs Out</title>
<link>http://EzineArticles.com/7053824</link>
<guid>http://EzineArticles.com/7053824</guid>
<pubDate>Wed, 16 May 2012 13:26:31 -0500</pubDate>
<description><![CDATA[Investing in annuities is the best way of preparing for a steady flow of money after retirement. It is an investment that ensures a steady flow of money in the old age. There are mainly two kinds of annuity. One must know and collect annuity quotes if they want to invest in it.]]></description>
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<title>Get Control Over Your Financial Future</title>
<link>http://EzineArticles.com/7057672</link>
<guid>http://EzineArticles.com/7057672</guid>
<pubDate>Wed, 16 May 2012 13:03:08 -0500</pubDate>
<description><![CDATA[The relationship between you and your money is a long-term one. For that reason alone, it's imperative that you become successful at managing your finances. In this article, you will discover many helpful hints and ideas to assist you in getting the best outcomes from your financial circumstances.]]></description>
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<title>Financial Planning Etiquette: Clients First!</title>
<link>http://EzineArticles.com/7060786</link>
<guid>http://EzineArticles.com/7060786</guid>
<pubDate>Wed, 16 May 2012 11:03:39 -0500</pubDate>
<description><![CDATA["The interests of the client continue to be sidelined in the way the firm operates and thinks about money." This is a direct quotation from Greg Smith's recent op-ed that he penned after stepping down as a senior executive of Goldman Sachs. Holding himself up as a man of integrity, Mr. Smith couldn't stand working there any longer because "the environment now is as toxic and destructive as I have ever seen it," and he no longer had personal beliefs that aligned with the firm he had once so passionately supported.]]></description>
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<title>How to Improve Your Pension Savings</title>
<link>http://EzineArticles.com/7056163</link>
<guid>http://EzineArticles.com/7056163</guid>
<pubDate>Wed, 16 May 2012 10:25:39 -0500</pubDate>
<description><![CDATA[If you know your options and choices, you can easily make a huge difference to your retirement plans. In fact, you can easily avoid mistakes that are common among people nearing their retirement. For example, people accept annuity deals offered by their regular insurer.]]></description>
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<title>Underemployed and Still Building Wealth</title>
<link>http://EzineArticles.com/7058529</link>
<guid>http://EzineArticles.com/7058529</guid>
<pubDate>Wed, 16 May 2012 07:51:07 -0500</pubDate>
<description><![CDATA[In the post recession economy, several people have taken lower paying jobs that they are highly over qualified for. Being underemployed doesn't mean you have to abandon all plans for a brighter future. Learn what needs to be accomplished to have a meaningful wealth building plan even if you are underemployed.]]></description>
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<title>Moving Back With Parents in the Recession to Improve Financial Situation</title>
<link>http://EzineArticles.com/7061078</link>
<guid>http://EzineArticles.com/7061078</guid>
<pubDate>Tue, 15 May 2012 15:56:13 -0500</pubDate>
<description><![CDATA[Everywhere you turn these days people are talking about how they are struggling financially. The recession has hit everyone but those on a lower income will feel it more. Young people are also struggling more than ever with lots of singles having no choice but to move back home.]]></description>
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<title>Managing Your Time for Maximum Financial Benefits</title>
<link>http://EzineArticles.com/7061849</link>
<guid>http://EzineArticles.com/7061849</guid>
<pubDate>Tue, 15 May 2012 15:38:29 -0500</pubDate>
<description><![CDATA[Managing your time helps you to be more productive; it can literally make the difference between being broke and having your financial freedom. I recently read a book by: Larry Wingett called: "You're broke because you want to be." In this book...]]></description>
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<title>Avoiding the "Gimme" Monster in Your Children</title>
<link>http://EzineArticles.com/7058827</link>
<guid>http://EzineArticles.com/7058827</guid>
<pubDate>Tue, 15 May 2012 14:49:33 -0500</pubDate>
<description><![CDATA[The best way to teach your child good money management skills is to provide an allowance for kids. Remember that children learn by what they see. Saving money gives your child an advantage in life that many do not have. Children and money do not go hand and hand unless they are taught good money management skills.]]></description>
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<title>How To Save Money Using The Internet</title>
<link>http://EzineArticles.com/7058002</link>
<guid>http://EzineArticles.com/7058002</guid>
<pubDate>Tue, 15 May 2012 14:25:05 -0500</pubDate>
<description><![CDATA[It's a reality that numerous people are earning online these days wherever they may be. It may not necessarily be pure work as there are ways that one can earn an income via the internet just by sharing his opinions in a survey.]]></description>
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<title>Who's Too Young For Money Management?</title>
<link>http://EzineArticles.com/7045520</link>
<guid>http://EzineArticles.com/7045520</guid>
<pubDate>Tue, 15 May 2012 11:23:25 -0500</pubDate>
<description><![CDATA[Throughout our early adult years, we learn the concept of money management, but many of us learn the hard way. By the time the high school graduate goes off to college, chances are that they have had absolutely no training or education in managing their finances. This is why I believe that monetary training should begin at the earliest age possible.]]></description>
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<title>Three Things You Need to Know In Order to Understand Bonds</title>
<link>http://EzineArticles.com/7051988</link>
<guid>http://EzineArticles.com/7051988</guid>
<pubDate>Tue, 15 May 2012 09:46:23 -0500</pubDate>
<description><![CDATA[When you start considering various financial strategies, you may consider buying bonds. But in order to understand the different types of bonds out there, there are three very important points that you should think about before you make your decision.]]></description>
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<title>Are You Making These Critical Errors in Your Personal Finance Planning?</title>
<link>http://EzineArticles.com/7057625</link>
<guid>http://EzineArticles.com/7057625</guid>
<pubDate>Mon, 14 May 2012 14:57:27 -0500</pubDate>
<description><![CDATA[If you want to succeed in your personal finance planning, there are a few key errors you have to avoid. After many years of experience in building wealth, managing personal finances and in coaching others, I've found that there are a few...]]></description>
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<title>Five Ingredients That Make or Break Your Personal Finance Planning</title>
<link>http://EzineArticles.com/7057598</link>
<guid>http://EzineArticles.com/7057598</guid>
<pubDate>Mon, 14 May 2012 14:55:48 -0500</pubDate>
<description><![CDATA[The success of your personal finance planning will depend upon a few key things, which we'll cover briefly in this article. I've gathered these tips from real life experiences while working with clients who had a goal to achieve financial freedom by managing money better. Once you get these...]]></description>
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<title>Rainy Day Fund</title>
<link>http://EzineArticles.com/7050111</link>
<guid>http://EzineArticles.com/7050111</guid>
<pubDate>Mon, 14 May 2012 13:46:55 -0500</pubDate>
<description><![CDATA[Saving for retirement, like dieting is one of those things easily put off and easily derailed. You finally got your stuff together and signed up for your 401k at work or you opened an IRA (individual retirement account) and just started to make contributions, feeling good about yourself when your cars transmission goes out. Now you have to go to the trouble of stopping or suspending the 401k or IRA contributions to have the money to make the necessary car repairs.]]></description>
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<title>PPI Offers Many Benefits</title>
<link>http://EzineArticles.com/7048900</link>
<guid>http://EzineArticles.com/7048900</guid>
<pubDate>Mon, 14 May 2012 12:17:55 -0500</pubDate>
<description><![CDATA[There has been much debate over Payment Protection Insurance (PPI) after it was found that the product was missold to hundreds of thousands of people in the UK. Whilst the product can be a great financial protector for those buying it in the right way, missold PPI cases have caused a huge amount of negativity.]]></description>
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<title>Thinking of Living Abroad? Here Are Some Things to Consider</title>
<link>http://EzineArticles.com/7054330</link>
<guid>http://EzineArticles.com/7054330</guid>
<pubDate>Mon, 14 May 2012 11:58:29 -0500</pubDate>
<description><![CDATA[We all dream of living abroad at some point in our lives, and it's possible to achieve it as long as you plan carefully and consider what you need to do to make sure you and your family are secure. Matters such as life assurance and pensions need to be planned for and arranged, so it might help to get some expert help.]]></description>
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<title>Personal Finance Planning and the Power of Accountability</title>
<link>http://EzineArticles.com/7053636</link>
<guid>http://EzineArticles.com/7053636</guid>
<pubDate>Mon, 14 May 2012 11:50:11 -0500</pubDate>
<description><![CDATA[Personal finance planning success requires a lot of hard work, and there's no reason why you should do it alone. When you think about it, even if you can accomplish some great things on your own, how much more could you accomplish if...]]></description>
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<title>What Is an RRSP and 5 Things You Need to Understand About Them</title>
<link>http://EzineArticles.com/7045329</link>
<guid>http://EzineArticles.com/7045329</guid>
<pubDate>Mon, 14 May 2012 10:23:25 -0500</pubDate>
<description><![CDATA[What is an RRSP and 5 things you need to understand to fully take advantage of this Canadian Savings Vehicle. RRSP's have come a long way since their introduction in 1957, and they have increasingly become more and more popular among Canadians. Usually in the months of January and February of each year, the airwaves are jammed full of RRSP ads and commercials.]]></description>
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<title>Offshore Savings - Banking for the Rich?</title>
<link>http://EzineArticles.com/7048111</link>
<guid>http://EzineArticles.com/7048111</guid>
<pubDate>Mon, 14 May 2012 10:16:23 -0500</pubDate>
<description><![CDATA[A great myth exists that offshore banking is in some way illegal or unethical and the preserve of the uber-rich. This is simply not the case. But how is it done? Where is the risk? What's the return?]]></description>
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<title>How Are You Preparing For The Coming Inflation?</title>
<link>http://EzineArticles.com/7050606</link>
<guid>http://EzineArticles.com/7050606</guid>
<pubDate>Fri, 11 May 2012 16:12:19 -0500</pubDate>
<description><![CDATA[In 2006, Robert Wiedemer, his brother David, and co-author Cindy Spitzer, wrote a book titled "America's Bubble Economy" in which they predicted a series of "bubbles" and "busts" that would negatively affect the economy of the United States. In particular they addressed the Real Estate and Stock Market bubbles. Their predictions proved to be accurate.]]></description>
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<title>Pension Annuity Underwriting</title>
<link>http://EzineArticles.com/7054725</link>
<guid>http://EzineArticles.com/7054725</guid>
<pubDate>Fri, 11 May 2012 15:24:23 -0500</pubDate>
<description><![CDATA[Should we have streamlined pension annuity underwriting? Recent data from the ABI shows that about 19% of pension annuity contracts sold in 2011 were enhanced annuities, which is up from around 13.6% in 2010 and about 9.3% in 2009. Industry estimates of the proportion of individuals that could actually qualify for enhanced annuities range from 40% to about 70%. Even looking at the most conservative of these percentages, the current proportion of annuitants having enhanced annuities is falling short.]]></description>
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<title>Enhanced Annuity - Higher Annuity Income</title>
<link>http://EzineArticles.com/7054709</link>
<guid>http://EzineArticles.com/7054709</guid>
<pubDate>Fri, 11 May 2012 15:23:40 -0500</pubDate>
<description><![CDATA[An important option if you've to retire through ill health is an enhanced annuity. An enhanced annuity could pay you up to 40% more retirement income, but you'll have to shop around to get the best deal, according to Partnership. The firm is supporting a recent report published by the Pension Policy Institute (PPI) on retirement income and assets, looking at the implications of the government changing the state pension age.]]></description>
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<title>Delays Hit Best Annuity Rates</title>
<link>http://EzineArticles.com/7054695</link>
<guid>http://EzineArticles.com/7054695</guid>
<pubDate>Fri, 11 May 2012 15:23:15 -0500</pubDate>
<description><![CDATA[Pension delays are hurting the chances of people benefitting from the best annuity rates. For those people coming up to their retirement, the delays in sorting out pension fund transfers to new annuity providers when better annuity rates are available can cause an expensive problem. Most pension savers convert their pension fund into a regular income by buying an annuity, and annuity rates change regularly. Indeed, between July and November 2011 they varied by as much as 8%, cutting the retirement income from a 100,000 pound pension fund from about 6,000 pounds a year to just around 5,500 pounds.]]></description>
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<title>Many Could Get Higher Pension Annuity Rates</title>
<link>http://EzineArticles.com/7054686</link>
<guid>http://EzineArticles.com/7054686</guid>
<pubDate>Fri, 11 May 2012 15:22:20 -0500</pubDate>
<description><![CDATA[According to experts, millions of people in the UK could benefit from higher annuity rates with an enhanced annuity. They could get significantly higher retirement incomes, if only they knew. These people are missing out on enhanced ?annuity rates which could mean the difference between a financially comfortable retirement or one teetering on poverty. Recent data shows that around 70% of those approaching their retirement would be entitled to higher incomes but last year only 2% actually applied for them. More minor medical conditions or lifestyle issues such as smoking are sufficient for annuity providers to pay out more.]]></description>
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<title>Impaired Life and Enhanced Annuities</title>
<link>http://EzineArticles.com/7054385</link>
<guid>http://EzineArticles.com/7054385</guid>
<pubDate>Fri, 11 May 2012 15:19:59 -0500</pubDate>
<description><![CDATA[Impaired life annuities pay a regular income for the rest of your life in the same way as lifetime annuities do. However, they pay a higher retirement income to those suffering from various medical conditions on the basis that they have a lower than average life expectancy. Medical conditions include high blood pressure, asthma, diabetes, heart conditions, kidney conditions, various cancers, and multiple sclerosis (MS), amongst many, many, others. In fact, there are literally hundreds of conditions that can be taken into consideration, although impaired life annuities apply to those with more serious medical conditions - unlike enhanced annuities which pick up those people with more mild medical conditions or lifestyle issues.]]></description>
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<item>
<title>Conventional Annuity Rates or Enhanced Annuity Rates</title>
<link>http://EzineArticles.com/7054371</link>
<guid>http://EzineArticles.com/7054371</guid>
<pubDate>Fri, 11 May 2012 15:19:33 -0500</pubDate>
<description><![CDATA[Conventional annuity rates or enhanced annuity rates, that is the question, and what a question it is. How significant the answer is. Do you buy a conventional annuity based on standard annuity rates or do you buy an enhanced annuity offering you higher annuity rates? Well, it all depends on your circumstances, as these will lead you towards buying the right annuity for your all important retirement income - an income which might have to last you many years in retirement.]]></description>
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<title>Questions for Enhanced Annuity Rates</title>
<link>http://EzineArticles.com/7054355</link>
<guid>http://EzineArticles.com/7054355</guid>
<pubDate>Fri, 11 May 2012 15:18:45 -0500</pubDate>
<description><![CDATA[Nigel Barlow, director of Partnership, a leading provider of enhanced annuity rates, highlights how asking additional questions about a client's state of health can lead to further increases in retirement income. The growth of the enhanced annuity market is now well documented. From a very low base, the proportion of people obtaining a higher retirement income because of their state of health has risen to around 18% of the total number of annuities bought at the end of 2011, and it is recognised that there is still more potential for growth.]]></description>
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<title>Pension Annuity Legislation</title>
<link>http://EzineArticles.com/7054221</link>
<guid>http://EzineArticles.com/7054221</guid>
<pubDate>Fri, 11 May 2012 15:18:14 -0500</pubDate>
<description><![CDATA[The government is looking to introduce new pension annuity legislation to deal with smaller pension funds, which do not actually qualify for trivial commutation, and a number of annuity providers have suggested various ways in which they could handle these smaller funds profitably - often by completely ignoring the various options available to their many policyholders. Certainly it is quite difficult for most independent financial advisers (IFAs) to cover costs on a pension annuity with a purchase price below the 30,000 pounds level. However, we have recently seen the emergence of various mechanised services (online) which are able to provide the...]]></description>
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<title>Why You Need To Manage Your Personal Finances</title>
<link>http://EzineArticles.com/7050552</link>
<guid>http://EzineArticles.com/7050552</guid>
<pubDate>Fri, 11 May 2012 12:53:19 -0500</pubDate>
<description><![CDATA[When personal finances are evaluated on a short term basis, the importance of managing them well doesn't really come into perspective. It is only after you analyze the issue with a long term perspective and with regard to the future that you realize how important it is.]]></description>
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<title>My Brother's Question</title>
<link>http://EzineArticles.com/7048060</link>
<guid>http://EzineArticles.com/7048060</guid>
<pubDate>Fri, 11 May 2012 12:28:24 -0500</pubDate>
<description><![CDATA[My brother sent me a link to an article on retirement spending the other day with the comment, "I am sure you will not agree." The gist of the article was that household spending peaks between ages 45-54 and then falls throughout the rest of our life (after kids have left, home is paid off, etc.). The implication here is that you might be able to save less for retirement than what many financial advisors may suggest. I called my brother back to let him know that I agreed with the article, which of course threw him for a loop since brothers are not supposed to agree. But I also shared a different viewpoint that we see with clients a frontline perspective.]]></description>
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<title>Tax Savings With a Health Savings Account - Smart Choice!</title>
<link>http://EzineArticles.com/7038418</link>
<guid>http://EzineArticles.com/7038418</guid>
<pubDate>Fri, 11 May 2012 12:23:39 -0500</pubDate>
<description><![CDATA[Health Savings Accounts have not been around for very long, but they offer a great opportunity for tax-deferred savings. In addition, investors who open an HSA account may find themselves in better control of their health care expenditures.]]></description>
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<item>
<title>RRSP's - The Good, the Bad and the Ugly!</title>
<link>http://EzineArticles.com/7045322</link>
<guid>http://EzineArticles.com/7045322</guid>
<pubDate>Fri, 11 May 2012 11:50:06 -0500</pubDate>
<description><![CDATA[RRSP's were created in 1957 even before we had a public pension plan. Even back then the intent of the registered retirement savings plan was to be the "foundation" or "pillar" of one's retirement planning. The idea was to encourage saving by letting you put off paying taxes on those savings until you retire - a time when most people are in a lower tax bracket than during their working years.]]></description>
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<title>Why You Must Have a Clear and Written Plan for Your Personal Finance Planning Success</title>
<link>http://EzineArticles.com/7052366</link>
<guid>http://EzineArticles.com/7052366</guid>
<pubDate>Fri, 11 May 2012 11:08:56 -0500</pubDate>
<description><![CDATA[Good personal finance planning will never happen as a result of managing your financial life by the urgency of the moment or by what is urgent instead of what is important. As you know, success at anything, especially in the effective management of money, requires...]]></description>
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<item>
<title>How Precious Metals Appreciate Over Time</title>
<link>http://EzineArticles.com/7050547</link>
<guid>http://EzineArticles.com/7050547</guid>
<pubDate>Thu, 10 May 2012 14:59:22 -0500</pubDate>
<description><![CDATA[There are many different ways to go about investing in your future, and although the most commonly thought of investment option is stocks and bonds, there are several others, many of which can prove more valuable, over time. One of these investment options is precious metals.]]></description>
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<item>
<title>Securing Futures With Money and Planned Investments</title>
<link>http://EzineArticles.com/7043928</link>
<guid>http://EzineArticles.com/7043928</guid>
<pubDate>Thu, 10 May 2012 14:44:17 -0500</pubDate>
<description><![CDATA[Life annuity and deferred annuity are not exactly similar. But they are ways of investing and getting good returns at the time of need. In life annuity you first pays a lump sum and get a regular flow of money till the death of the annuitant and in deferred annuity you get your payment only when you wish to receive it.]]></description>
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<title>Expat Medical Insurance - Don't Leave Your Health to Chance</title>
<link>http://EzineArticles.com/7051159</link>
<guid>http://EzineArticles.com/7051159</guid>
<pubDate>Thu, 10 May 2012 13:25:58 -0500</pubDate>
<description><![CDATA[When you're an expat, medical insurance really shouldn't be ignored. If you're looking for the best level of cover at a decent rate, speaking to an independent financial adviser could be the best decision you've made to date.]]></description>
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<item>
<title>Why You Need a Percentage Calculator</title>
<link>http://EzineArticles.com/7030922</link>
<guid>http://EzineArticles.com/7030922</guid>
<pubDate>Thu, 10 May 2012 13:16:51 -0500</pubDate>
<description><![CDATA[A percentage calculator can be handy on a great many occasions in one's daily life. Such a calculator program may be employed to provide assistance with everyday functions. You could take the example of a trip to the store where you are trying to maximize special discounts or coupons.]]></description>
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<item>
<title>Steps to Be Followed Before Investing Into the Lifetime Annuity</title>
<link>http://EzineArticles.com/7051598</link>
<guid>http://EzineArticles.com/7051598</guid>
<pubDate>Thu, 10 May 2012 12:32:06 -0500</pubDate>
<description><![CDATA[Annuity plans are popular all around the globe among the people who are retired. Retired people mostly opt for these plans to live a stress free life. These schemes ensure fixed amount for the people till they live.]]></description>
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<item>
<title>A College Student's Guide to Getting Free Food</title>
<link>http://EzineArticles.com/7042085</link>
<guid>http://EzineArticles.com/7042085</guid>
<pubDate>Thu, 10 May 2012 11:55:49 -0500</pubDate>
<description><![CDATA[Are you a struggling college student on a budget? Learn how to get good quality, free food with this article and ditch the Ramen for good!]]></description>
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<item>
<title>Keeping Your Vehicle Insurance Rates Low</title>
<link>http://EzineArticles.com/7050251</link>
<guid>http://EzineArticles.com/7050251</guid>
<pubDate>Thu, 10 May 2012 11:45:21 -0500</pubDate>
<description><![CDATA[Nowadays saving money is important to every person. Not only do you want to make every dollar count but you are very likely continuously looking for the many ways that you could be saving money. One thing that tends to cost people a lot of money is car insurance. While this is a necessary aspect of life, it is essential to realize that car insurance doesn't have to cost you a bundle and that there are many methods that you as an individual can drive the price of your car insurance down to a lower level.]]></description>
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<item>
<title>7 Tips to Help You Get Your Pension Savings Working for You</title>
<link>http://EzineArticles.com/7042991</link>
<guid>http://EzineArticles.com/7042991</guid>
<pubDate>Thu, 10 May 2012 09:58:56 -0500</pubDate>
<description><![CDATA[By any measure, the current economic backdrop is hitting pensioners and those about to retire hard. If you have been busy saving, the returns you are currently getting are poor and then you have to contend with poor annuity rates when it's time to secure your retirement income. Overall pensioners have been hit as hard as anyone, as their relative incomes decline whilst prices spiral for even the most basic of essentials.]]></description>
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<item>
<title>Sudden Endings</title>
<link>http://EzineArticles.com/7049524</link>
<guid>http://EzineArticles.com/7049524</guid>
<pubDate>Thu, 10 May 2012 09:19:07 -0500</pubDate>
<description><![CDATA[Mariano Rivera's great baseball career might have ended with a freakish tumble in Kansas City. Sudden endings can happen to anyone.]]></description>
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<item>
<title>The Many Elements of Financial Planning</title>
<link>http://EzineArticles.com/7046226</link>
<guid>http://EzineArticles.com/7046226</guid>
<pubDate>Wed, 09 May 2012 13:18:45 -0500</pubDate>
<description><![CDATA[Financial planning can help you to grow your wealth, but you'll need to decide if you're a risk taker or if you would rather play safe. There are many ways you can invest and plan for your future, but if you go down a riskier route such as spread trading, make sure you know what you're doing before you make your first move.]]></description>
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<title>Millionaire Traits II - People Trying to Look Rich</title>
<link>http://EzineArticles.com/7042423</link>
<guid>http://EzineArticles.com/7042423</guid>
<pubDate>Tue, 08 May 2012 11:53:58 -0500</pubDate>
<description><![CDATA[The most recent book I have read regarding this topic is "The millionaire next door". Although it's an older book it is very interesting to follow the behaviours of the truly rich and the trying to look rich.]]></description>
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<item>
<title>Drowning in Debt - Steps You Can Take</title>
<link>http://EzineArticles.com/7042355</link>
<guid>http://EzineArticles.com/7042355</guid>
<pubDate>Tue, 08 May 2012 10:35:46 -0500</pubDate>
<description><![CDATA[At some point in our lives we have all had to pay back loans or credit cards. As time goes on we think it's OK I'll just charge it, we do a quick sum in our heads and convince ourselves we can afford it.]]></description>
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<item>
<title>The Effects Debt Has on Your Life</title>
<link>http://EzineArticles.com/7042313</link>
<guid>http://EzineArticles.com/7042313</guid>
<pubDate>Tue, 08 May 2012 10:35:31 -0500</pubDate>
<description><![CDATA[High interest debt to financial freedom is like kryptonite to Superman. Credit card, store accounts and personal loans don't contribute towards financial independence. The reason for this is, with high installments and high interest charges it eats away at your disposable income each month.]]></description>
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<title>A Trusted Company Is Vital For Claim Success</title>
<link>http://EzineArticles.com/7034855</link>
<guid>http://EzineArticles.com/7034855</guid>
<pubDate>Mon, 07 May 2012 14:49:14 -0500</pubDate>
<description><![CDATA[Utilising a regulated and trusted claims company for Payment Protection Insurance (PPI) compensation is paramount after banks highlighted that some companies continue to bully financial institutions out of money. In 2011, the Ministry of Justice cancelled its authorisation on 734 claim companies helping consumers gain missold PPI compensation because of bad practices.]]></description>
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<item>
<title>Millionaire Traits</title>
<link>http://EzineArticles.com/7040436</link>
<guid>http://EzineArticles.com/7040436</guid>
<pubDate>Mon, 07 May 2012 12:43:35 -0500</pubDate>
<description><![CDATA[There are more millionaires around the world today than 10 years ago. People believe millionaires are born rich or just luckier than the rest. The fact of the matter is most millionaires came from humble backgrounds.]]></description>
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<title>Slow-Going Retirement Trends</title>
<link>http://EzineArticles.com/7034167</link>
<guid>http://EzineArticles.com/7034167</guid>
<pubDate>Mon, 07 May 2012 11:51:35 -0500</pubDate>
<description><![CDATA[Last week, the trustees of the Social Security and Medicare trust funds released their annual review. They found that Medicare's expenditures are highly uncertain going forward, and future cuts might be the only way to bring the cost structure in line. Social Security itself is also worse off than last year.]]></description>
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<title>What Has Your Banker Done For You Lately?</title>
<link>http://EzineArticles.com/7038091</link>
<guid>http://EzineArticles.com/7038091</guid>
<pubDate>Mon, 07 May 2012 11:18:35 -0500</pubDate>
<description><![CDATA[Your bank has your money. Here is what your banker should be doing for you.]]></description>
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<item>
<title>Which Type of Financial Advisor Should You Choose?</title>
<link>http://EzineArticles.com/7032034</link>
<guid>http://EzineArticles.com/7032034</guid>
<pubDate>Fri, 04 May 2012 17:56:10 -0500</pubDate>
<description><![CDATA[You may be confused about different types of financial advisors. There are two basic types and the difference is significant. The first type are brokers who earn commissions.]]></description>
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<item>
<title>Bankruptcy - What You Can Do To Be Sure This Never Happens To You</title>
<link>http://EzineArticles.com/7035664</link>
<guid>http://EzineArticles.com/7035664</guid>
<pubDate>Fri, 04 May 2012 14:33:52 -0500</pubDate>
<description><![CDATA[Bankruptcy is something none of us wants to happen. No one plans to go bankrupt and we sure do not want to file bankruptcy. The question for us to ask is what can we do to make sure it does not happen to us?]]></description>
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<item>
<title>3 Easy Ways to Control Your Expenses</title>
<link>http://EzineArticles.com/7032304</link>
<guid>http://EzineArticles.com/7032304</guid>
<pubDate>Fri, 04 May 2012 13:29:53 -0500</pubDate>
<description><![CDATA[We have all heard of the phrase "one day millionaire" right? Are you that type of person? I was. And I'm sure a lot of people out there are too. It's just so easy, when money is right there, to spend it all. But what's hard is to earn it back. So here are 3 easy to follow tips on how you can control your expenses.]]></description>
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<item>
<title>How Credit Card Companies Feed on Our Financial Ignorance</title>
<link>http://EzineArticles.com/7033764</link>
<guid>http://EzineArticles.com/7033764</guid>
<pubDate>Fri, 04 May 2012 12:47:32 -0500</pubDate>
<description><![CDATA[Most of us never learn the basics of financial management. This ends up costing us lots of money and trouble. The first and worst culprit is usually a credit card. Understanding how credit cards are viewed by banks is the first step to financial freedom.]]></description>
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<item>
<title>Enhanced Annuities Are Now the Norm - Talk to a Specialist to Maximise Your Retirement Deal!</title>
<link>http://EzineArticles.com/7030470</link>
<guid>http://EzineArticles.com/7030470</guid>
<pubDate>Fri, 04 May 2012 12:45:54 -0500</pubDate>
<description><![CDATA[The latest data from the Association of British Insurers (ABI) illustrates why it pays to talk to an annuity specialist or independent adviser. Failure to speak to a specialist means in many cases you will miss out. Here we seek to explain why.]]></description>
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<item>
<title>Mastering Your Money Is Simple - Thoughts To Consider</title>
<link>http://EzineArticles.com/7030979</link>
<guid>http://EzineArticles.com/7030979</guid>
<pubDate>Fri, 04 May 2012 10:59:34 -0500</pubDate>
<description><![CDATA[Many people are searching for the light switch in what is perceived as very dark times. That belief is reinforced by what we observe. Here is an example, you thought about something you hadn't known before and when you observed that thought you started seeing evidence that supported that thought everywhere.]]></description>
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<item>
<title>Genesis Reveals to Pastors How To Assist Financially Wounded Flocks</title>
<link>http://EzineArticles.com/7036235</link>
<guid>http://EzineArticles.com/7036235</guid>
<pubDate>Fri, 04 May 2012 10:57:18 -0500</pubDate>
<description><![CDATA[The Old Testament possessed more answers to financial difficulties than you or I will ever know. Well, that is until we start searching for such answers. There is one answer found in the first book, called Genesis, that helps turn financially struggling saints away from empty wallets and churches from empty offering plates.]]></description>
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<item>
<title>When To Introduce The Credit Card To Your Teen</title>
<link>http://EzineArticles.com/7040194</link>
<guid>http://EzineArticles.com/7040194</guid>
<pubDate>Fri, 04 May 2012 09:58:01 -0500</pubDate>
<description><![CDATA[Many parents rely on the credit card to help them get by with their important needs in life. For them, having the plastic is very convenient and useful particularly in times of emergency when cash is not readily available. In addition, using the card today has its benefits such as providing users with cash back and other great rewards.]]></description>
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<item>
<title>April Is Financial Literacy Month - Does Anyone Really Care?</title>
<link>http://EzineArticles.com/7013100</link>
<guid>http://EzineArticles.com/7013100</guid>
<pubDate>Thu, 03 May 2012 17:31:18 -0500</pubDate>
<description><![CDATA[April is Financial Literacy month, but I have some serious doubts about the real interest in making the people in this country financially literate. With a few exceptions, the interest seems to be limited to lip service.]]></description>
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<item>
<title>Are Stock Markets Rigged Against Us?</title>
<link>http://EzineArticles.com/7033340</link>
<guid>http://EzineArticles.com/7033340</guid>
<pubDate>Thu, 03 May 2012 16:40:58 -0500</pubDate>
<description><![CDATA[Financial journalists and advisers are always telling us that we should put our money in stock markets, either from buying shares or through unit trusts (mutual funds), because 'shares always outperform cash'. But is this true? Can we really make money on stocks and shares? Or is it just insiders who make the money while we ordinary savers almost always lose out?]]></description>
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<item>
<title>Spread Betting - How To Get Poor Quickly?</title>
<link>http://EzineArticles.com/7032908</link>
<guid>http://EzineArticles.com/7032908</guid>
<pubDate>Thu, 03 May 2012 16:11:20 -0500</pubDate>
<description><![CDATA[More and more, we're seeing adverts encouraging us to try our hand at spread betting. But can you really make money? Or is spread betting just a way of becoming poor quickly while making financial services insiders rich at your expense?]]></description>
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<item>
<title>Mortgage Debt Settlement Considerations</title>
<link>http://EzineArticles.com/7041234</link>
<guid>http://EzineArticles.com/7041234</guid>
<pubDate>Thu, 03 May 2012 16:08:00 -0500</pubDate>
<description><![CDATA[After a long battle over unlawful foreclosures and the mortgage debt crisis, a settlement agreement was reached just earlier this year. As this news came as a good sign for homeowners, some aren't quite as impressed and many are even skeptical the settlement is sufficient.]]></description>
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<item>
<title>When Your Finances Give You Lemons, Squeeze Them!</title>
<link>http://EzineArticles.com/7038305</link>
<guid>http://EzineArticles.com/7038305</guid>
<pubDate>Thu, 03 May 2012 14:43:17 -0500</pubDate>
<description><![CDATA[Sometimes financial difficulty can leave us with a bitter taste in our mouths. We can feel squashed under our the burden of our monetary dilemmas and sometimes it can be hard to see a way out. The temptation can often be to bury our heads in the sand. However if we do not address problems with finances, they could escalate. There are a number of common financial woes which many people face in their lives. This article is set to offer you some guidance on how to effectively address these problems and sweeten your financial situation.]]></description>
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<title>Becoming Familiar With Annuity Options</title>
<link>http://EzineArticles.com/7032219</link>
<guid>http://EzineArticles.com/7032219</guid>
<pubDate>Thu, 03 May 2012 14:41:46 -0500</pubDate>
<description><![CDATA[There are numerous wide-ranging claims related to annuities, and whenever an individual states that "annuities are certainly not good," they're almost invariably speaking about variable annuities. Being a life and health insurance agent that actually works in the senior citizen world, I personally many times strongly recommend acquiring annuities in order to help guard against inflation and also reduce income taxes. But I'd in no way endorse variable annuities to a senior citizen. ]]></description>
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<title>Granny Tax On Pensions</title>
<link>http://EzineArticles.com/7028777</link>
<guid>http://EzineArticles.com/7028777</guid>
<pubDate>Thu, 03 May 2012 11:54:47 -0500</pubDate>
<description><![CDATA[Presentation is so important, and the UK Government have made a mess with the new Pension legislation. Whatever the rights or wrongs of the argument, they have lost the public relations war.]]></description>
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<title>The Pensions Time Bomb</title>
<link>http://EzineArticles.com/7026563</link>
<guid>http://EzineArticles.com/7026563</guid>
<pubDate>Thu, 03 May 2012 08:35:22 -0500</pubDate>
<description><![CDATA[It may seem a long way off, but if you are 30 - 40 years of age with no pension you really should be panicking right now. Imagine if you lost half your income tomorrow how would that feel? Well when you retire your income could reduce by seventy per cent.]]></description>
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<title>Losing Money to Debt, Losing Money to Opportunity Cost</title>
<link>http://EzineArticles.com/7027207</link>
<guid>http://EzineArticles.com/7027207</guid>
<pubDate>Wed, 02 May 2012 15:36:37 -0500</pubDate>
<description><![CDATA[Compound interest will be your best friend, however, it's not just debt, but paying cash, that can deteriorate your overall investment potential. You may find that you are in a worse situation than you thought. Here is what you can do about it.]]></description>
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<title>Personal Finance Categories for Simple Budgeting</title>
<link>http://EzineArticles.com/7034899</link>
<guid>http://EzineArticles.com/7034899</guid>
<pubDate>Wed, 02 May 2012 15:31:04 -0500</pubDate>
<description><![CDATA[If you're interested in getting control of your financial life, you've probably already tried budgeting, you might even be using it to some success. However, one of the common issues people have when...]]></description>
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<title>How to Build Good Personal Finance Planning Habits</title>
<link>http://EzineArticles.com/7034851</link>
<guid>http://EzineArticles.com/7034851</guid>
<pubDate>Wed, 02 May 2012 15:30:19 -0500</pubDate>
<description><![CDATA[Good personal finance planning and goal setting isn't much good unless you can develop good habits. It's been said that first you form your habits and then your habits form you. I would add to this that your habits form you and that you form...]]></description>
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<title>A Beginner's Guide to Buying and Comparing Income Protection Quotes</title>
<link>http://EzineArticles.com/7023627</link>
<guid>http://EzineArticles.com/7023627</guid>
<pubDate>Tue, 01 May 2012 13:08:24 -0500</pubDate>
<description><![CDATA[Income Protection Insurance (IP) will replace your monthly income if you are unable to work through accident, sickness or unemployment. Our beginner's guide to income protection insurance will explain more about buying this type of protection insurance, and give you top tips on how to save money on a policy.]]></description>
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