How Much Money Should You Save For Financial Emergencies? Copyright 2006 Tony Mase Practically every financial planning and personal finance book you'll ever read advises you to start an emergency savings fund, or rainy day fund as some call it, to meet unexpected financial emergencies, as one of the first steps you should take to build wealth Some advise a fixed dollar amount, such as $500 or $1,000, be set aside for financial emergencies I've seen recommendations ranging from $500 to $12,000 Others ...

Zero Percent Balance Transfers Can Damage Your Health What you are about to read may make you reassess your attitude to zero interest balance transfer offers I will show how these balance transfer offers are pushing more and more people into serious financial difficulties and I will suggest a few ideas on how you can manage your debt better Credit card debt is rising at an alarming rate and many people are now getting into serious financial difficulties One of the reasons is the promotion of no ...

18 Ways To Reduce Your Mortgage Loan Part 2 9 Stay informed - don't forget about your mortgage - visit http://wwwmortgageloanhintscom With any long-term commitment, there is always the temptation to let your mortgage roll along, make your repayments as they fall due and think as little about it as possible As long as you keep up the repayments, there's not much else you need to do, right? This attitude can be a big mistake Keep yourself up to date with what's happening in the marketplace You might ...

Monitoring Your Finances Reveals Priceless Lessons A most important element for building wealth is to measure it The people I know that have continually increased their net worth track it in order to direct it and stay motivated to reach ever higher financial goals Seeing the quantifiable results of your spending and investing decisions is the first step to take control of them Contrarily, the people I know in the worst financial shape have no idea where there money is spent and are too afraid to know ...

Stock And Options Millionaire Principles INTRODUCTION Having been trading stocks and options in the capital markets professionally over the years, I have seen many ups and downs I have seen paupers become millionaires overnight And I have seen millionaires become paupers overnight One story told to me by my mentor is still etched in my mind: "Once, there were two Wall Street stock market multi-millionaires Both were extremely successful and decided to share their insights with others by selling their stock market forecasts in newsletters Each charged US$10,000 for their opinions ...

Secured Bad Credit Loans Are Becoming The Norm Secured bad credit loans used to be viewed with some derision in times gone by Today they are fast becoming the norm, and consumers should be glad Here are seven excellent reasons why people should all celebrate it! 1 There is a lot of easy credit being offered these days and intelligent consumers are increasingly discovering that credit checks are being recorded on a daily basis This should be taken as a positive thing as it leads away from ...

New Year's Netiquette Resolutions Happy New Year! New attitude? New habits? How about 10 Little New Year's Netiquette Resolutions? Almost every New Year's resolution is based on improving attitudes and changing habits From loosing weight to getting out of debt to trying to live a happier life, almost each of us has some sort of conversation with ourselves in regard to the New Year and changes we have the control to make If we follow through on 50% of them, we're ahead of the pack! So, here ...

A Pragmatic Approach To Debt Problems When most people think of how they would feel if they were in debt, they imagine experiencing despair and fear However, new research shows that a large proportion of debtors actually adopt a pragmatic approach to their situation Debt Causes Stress and Despair Being faced with debt does cause many people to feel stressed and unhappy In fact, a quarter of people in debt receive treatment for stress, depression and anxiety from the NHS Furthermore, the despair caused by financial problems is ...

The Future Of Self Certified Mortgages! Those who have a keen interest in the future of self certified mortgages may have noticed that they are beginning to appear more and more frequently in the media Self certified mortgages - which enable the borrower to certify their income without needing to supply standard income documentation - may be extremely popular with the self employed but they are also a cause for concern for the regulatory bodies Despite being introduced over ten years ago, it is only over the last ...

Mortgage Refinance After Bankruptcy! If you are considering remortgaging your home after Bankruptcy, there are many factors to consider in the decision making process Here we discuss some of the essentials topics that will enable you to decide if releasing equity from your home is your best option Becoming bankrupt If you are in a bad debt situation and are thinking of declaring yourself bankrupt, then the first thing you should do is get legal and financial advice to make sure that this is your best option Don't leap ...