Royalty Free Articles by Category
Personal Finance Articles

21. 

Credit card balance transfers have fallen from favor somewhat since their heyday a few years ago, after the introduction of the balance transfer fee stopped the practice of shifting debt from card to card without incurring any charges or costs. It is now no longer possible to delay interest...

• Date Added: 5/28/2008
• Views: 189

22. 

If you have ever sent through a financial meeting in a car dealership to determine whether you qualify for your new purchase or not, you can attest to the fact that it can quickly drain the fun out of the car buying experience. The process of buying a car should be fun for the car buyer, however,...

• Date Added: 10/11/2007
• Views: 679

23. 

At this moment you may be feeling the binds of stress, utter loss of hope and complete despair. It may seem like there is no way out and no option left but to file for bankruptcy. However, before you take the leap, you need to realize the price you will pay for bankruptcy. For ten years you will...

• Date Added: 9/4/2007
• Views: 682

24. 

Affinity credit cards are one of the most popular kinds of plastic we carry today, especially as the fashion for balance transfer deals and the like continues to fade. Where once the focus was on how we could save money by shifting our credit card debt around, now more and more of us are looking...

• Date Added: 4/24/2007
• Views: 579

25. 

Payday loans are often touted as a quick fix for a bad financial situation, letting you bridge the gap between running out of money and your next wage or salary coming in. The basic idea is that you can borrow a small amount of a few hundred dollars for a short period of a week or two, and repay...

• Date Added: 3/29/2007
• Views: 509

26. 

As Father Time marches on, the question of what to do with the home becomes a greater concern. In some cases, ruminating on the alternatives can dominate one's thinking. If a person is aware of the various options and chooses a path that makes the most sense, peace of mind can often be the...

• Date Added: 3/14/2007
• Views: 547

27. 

The number of people taking out personal loans has risen dramatically over the last ten or fifteen years, but what are the reasons for this? In this article we'll look at the main uses of the loans that we take out.

Debt Consolidation

This is possibly the biggest single reason people...

• Date Added: 3/12/2007
• Views: 394

28. 

Dual income families and megabucks 401(k) plans are common socio-economic trends that get today's Boomers thinking about early retirement. If you elect to retire early and roll your 401(k) plan into an IRA, how can you best set up a withdrawal plan?

First, it depends on what kind of IRA you...

• Date Added: 3/10/2007
• Views: 436

29. 

The distribution rules required at the death of an IRA owner depend on several things:

1. Did the IRA owner die before or after the "required beginning date"?

2. Who is the beneficiary?

In order to carry out the wishes of the IRA owner, evaluating both practical and estate...

• Date Added: 2/28/2007
• Views: 423

30. 

Endowment surrender allows you to reclaim some of the value from your endowment policy by surrendering it back to the insurance company that sold it to you. The amount you receive when you surrender your policy is often significantly less than the actual value of the policy, but if your personal...

• Date Added: 2/27/2007
• Views: 459

31. 

Are you, like many people, trying to make sense out of your financial situation? Looking for a way to make ends meet? Struggling to keep up your monthly repayments on credit bills? If so, you might well be tempted by the widespread offers of consolidation loans and other easily available lines of...

• Date Added: 2/26/2007
• Views: 411

32. 

Affinity cards are a special kind of credit card which are linked into the cardholder's lifestyle in some way, offering benefits of a more personalized nature than the typically available 0% balance transfer offers and the like. Examples of affinity programs are charity credit cards, where a...

• Date Added: 2/26/2007
• Views: 473

33. 

One of the most attractive features of a Roth IRA is the ability to control the timing of the eventual required distributions. However, this ability mandates the withdrawals to be made within a prescribed set of rules.

The distribution advantages of a Roth IRA extend beyond the death of the...

• Date Added: 2/24/2007
• Views: 344

34. 

How well do you know Roth IRAs? Here are five tough questions. Let's see how you do…

1. I am 72 years young and still working. Can I set up a Roth IRA?

Yes. Unlike a traditional IRA, which does not allow contributions past age 70 1/2, Roth IRAs have no age limitations. You can...

• Date Added: 2/20/2007
• Views: 306

35. 

Charity credit cards have become increasingly popular over recent years, as people seek to support their favourite charities at seemingly no extra cost to themselves. When you take out one of these cards, a one-off donation of a few dollars is made by the card issuer to the charity linked to the...

• Date Added: 2/13/2007
• Views: 357

36. 

When budgets are tight and you're short of cash towards the end of the month, a payday loan can seem like the ideal answer, giving you enough money to see you through until you receive your next wage. Unfortunately, this can be too simplistic a view, and using payday loan facilities to paper over...

• Date Added: 2/13/2007
• Views: 428

37. 

Scams take many forms: overseas lotteries, get-rich-quick schemes, work-from-home jobs and hundreds more, but the fact is that unless you've been ripped off in the past you probably don't know how to recognise a scam when you see one.

The people who design the scams are clever. Most scams...

• Date Added: 2/9/2007
• Views: 498

38. 

Credit cards are one of the financial industry's success stories over the last half century, going from strength to strength since the first general purpose card was invented by Joseph P. Williams of the Bank of America in 1958. Since then, the number of cards issued has risen dramatically, and...

• Date Added: 2/8/2007
• Views: 416

39. 

One of the main selling points of credit cards over the past decade has been the balance transfer offer, where customers are tempted into applying for a new card with the promise of obtaining effectively free credit. By making use of a 0% transfer deal, they can put off having to pay any interest...

• Date Added: 2/5/2007
• Views: 494

40. 

From my experience in working with seniors, here are the five most offered reasons why people have not purchased long term care. In most cases, the reasons are not valid. It's not that they don't make any sense; it is due to lack of information. So here are the big five along with some insights...

• Date Added: 2/3/2007
• Views: 383