Wealth Building Articles
401: Could A Fraudster Be Using Your Credit Card?
If your credit card statement has transactions you don't know about, don't just dismiss them as a banking error. It could be worth checking to see if you are a victim of identity theft.
Identity theft is where someone gets hold of information that can identify you, such as a credit or debit card, passport or driver's licence, and uses that to create a new identity for himself or herself. The person may also use those details to buy goods or services which you may find on y...
402: Debt Collection
The phone is ringing off the hook and caller ID identifies the incoming calls as ?unknown caller,? toll-free call,? or ?out of area.? When you finally politely answer the phone you?re confronted by an obnoxious, rude and threatening bill collector.
If you?re having difficulty paying your bills, this scenario is not uncommon. The tactics used by some debt collectors can often make consumers fear the worst, with threats of arrest, wage garnishment and lawsuits. These types o...
403: Choosing A 0 Balance Transfer Credit Card
Many of us have been in this situation, two or three credit cards with balances and a high interest rate being charged monthly. If you can only pay the minimum due each month, you will never get ahead. The majority of your monthly payment is being eaten up by interest. There is a way out of this situation and that is with a 0 Balance Transfer Credit Card.
A 0 Balance Transfer Credit Card is an offer that gives you an introductory 0% APR, usually for the first twelve months...
404: Consumer Debt Reduction - Are There Effective Programs Online?
The average American has about $8,000 in credit card debt--and most of us would like to reduce it! You may know that there are programs online that can help you drop your balances and get debt free, but are they really effective? Some work better than others. Here's a guide to help you make the best choice:
Debt Reduction Plans:
You can find these debt reduction plans through many personal finance websites or money management websites. They're designed to help you contr...
405: Pensions Guide: Private Pensions
It?s now unlikely that the state pension will be enough to keep you living comfortably when you retire. It provides only basic support, and the government itself is keen to encourage people to save as much as they can to supplement their state pension and give themselves a comfortable income in retirement. Combined with better health in the general population ? meaning longer life expectancies ? and dwindling stock market returns over the last decade or so, the so-called ?pen...
406: Pensions Guide: State Pensions
The most important financial decisions you?re likely to make in your life are those concerning your retirement. To have a secure future with a comfortable standard of living after you?ve stopped working, you?ll need to plan your finances carefully.
Pensions are becoming more and more important as people now live longer into their retirement. Lifestyles have also changed ? people often take out mortgages later in life than they used to, meaning that they may still have a mo...
407: Gold & Platinum Credit Cards
One of the ways that banks add value to their products and make their products have more status than others is by approving their best customers for gold and platinum credit cards. Just like in the jewelry business, gold and platinum are very precious metals and using a gold or platinum credit card can give you some extra status when shopping. Here are some tips on gold and platinum credit cards.
In the credit card business, there are ordinary, silver, gold, platinum and d...
408: The Stock Market Investor's Worst Enemy
Every stock market investor faces one primal enemy. An enemy so perverse, it will drive thousands of investors from the stock market through its ability to defeat even the most practiced investment strategy. Who is this enemy you ask? Your arch nemesis, in this case, goes by the name E. Motions?don?t ask me what the ?E? stands for.
Emotions are the driving force behind every stock market cycle. Quite simply, if they weren?t present in the stock market, investors could be r...
409: Budgeting For Your Personal Finance
Most of us find ourselves having to part with our hard-earned cash almost on a daily basis to just keep ourselves going. Have you ever thought about exactly what you?re spending though? A great deal of people never bother to budget ? yet they could find themselves a lot better off by keeping an eye on their income and outgoings. If your finances are starting to get the better of you and you want to know how to manage your money more effectively, read on.
Work out your inco...
410: Getting To Grips With Isas
The Individual Savings Account (ISA) scheme was set up by the government in 1999 to encourage people to save more money. It allows people to save up to a certain amount each year without paying tax on the interest or income from it. There are various different rules on what you can save and how, so we?ve broken it down into an easy-to-follow guide to give you an overview of ISAs and how you can make the most of them to boost your savings.
This guide is for information purp...
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