I have worked as an accountant for over twenty years for non-profits, governmental units, and manufacturing companies. Budgets have been under my management for many years. I’ve even worked on the budget committee at a church.
Roth or Traditional IRAs for housewives and stay-at-home moms. Misconceptions about opening a Spousal IRA. Brokerages with low minimum investment IRAs to get you started.
“Black Monday,” as it came to be known, happened October 19, 1987, and is the day the stock market took its worst one-day drop in history. What were the causes, and will it happen again?
As a bank teller, I am exposed to quite a number of customer errors regarding their checks. These errors can cause all sorts of trouble for everyone involved. Although some tellers take the liberty of correcting certain mistakes, officially they...
What is a hedging strategy? How can binary options be used to for a hedged position? Can binary options be used in a hedging strategy?
Need a sample of a letter you can send to a collection agency to tell them to stop harassing you, but don’t know what to write? Need a sample letter to help you put it together? Read this article about dealing with collection agencies, and get some sample letter ideas you can use to...
Robert Lichello's Automatic Investment Management system for timing the stock market is explained with buy/sell examples. Additionally, the system is tested using over 10-years of price history of the S & P Depository Receipt ETF (ticker SPY) and compared to buy and hold strategy.
The cost of a money order at Walmart is $0.70. I have been using Walmart for years to get money orders and I also used a Walmart Money Card for many years when I did not have a checking account.
Receipts are easy to get at a brick and mortar retail store, but with Amazon, you'll have to follow these step by step instructions for printing your proof of purchase.
Learn all the various advantages and disadvantages of direct taxes. This articles explains all the merits and demerits or advantages and disadvantages of direct taxes.
With the possible exception of children, your biggest lifetime expense will be probably be taxes. Learn how to use the tax laws to your advantage. It can pay off big time.
Explains the difference between tax planning (legal), tax evasion (illegal) and tax avoidance (somewhere in between) and the risks involved.
Combining family finances when you remarry can sometimes be a challenge. Here are a few tips and tricks for how to develop a family budget takes into account your blended family's unique needs.
Is New AEON the most overlooked Crypto-currency of the Peer-to-Peer Networks? Or is it a Darknet black-hole? (Crypto-Commentary)
Financial child abuse describes the abuse of a child’s identity, credit report or financial resources. What leads to financial child abuse? What are the signs of financial child abuse?
Learn what you need to know about earning, spending and investing money so that you can make it work for you instead of you working for it!
The 4 mistakes everyone makes when dealing with debt collectors. How to avoid making these mistakes when dealing with debt collection agencies.
Viable solutions for making money quickly and legally. Effective methods, some free, some that don't cost too much. These techniques utilize capital and personal property that you already own.
The principles of double entry bookkeeping are not easy. It's simple to say that for every debit there is a credit and but when it comes to actually entering transactions into the accounts, it can become tricky to remember if what you are entering...
Fiat systems of paper money currency (like nearly all in the world today) have a flaw that makes them, in our time, more volatile. Since our money cannot be exchanged for gold and silver, panic can set in.
A complete guide to submitting/e-filing income tax returns and wealth statements for tax years 2014, 2015, 2016 and 2017 via FBR's IRIS system. How to get NTN before submitting returns.
Read this complete review of FreeTaxUSA before you start your taxes. How do they match up against TurboTax, H&R Block, and other providers? Can they handle your complex tax return. Read more...
An easy introduction for merchants to start accepting payment in Bitcoin online or in-store, and a 10 ten list of the best payment processors for Bitcoin.
Acquiring precious metals can mean picking between gold and platinum. To make the right choice, you may want to read on for more information about their pros and cons.
Procedures while developing a budget including estimations, identifying priorities and financial resources, purpose and benefits of identifying priorities evaluating and justifying costs, income
Robert Kiyosaki, the financial writer best known for "Rich Dad Poor Dad", is more of a philosopher and motivator than a financial adviser. Learn why his books should not be taken literally.
The American Silver Eagle one-Troy-ounce silver coin is a very popular coin with silver collectors and investors. Tables list quantities minted by year and likely eBay prices.
This post will discuss the steps on how to withdraw Paypal funds to BPI (Bank of the Philippines Island) complete with step by step pictures - plus other important information
Preference shares (or preferred stock or 'prefs') are shares in a company which have a (usually) guaranteed dividend. They are therefore a hybrid similar to both shares and corporate bonds.
The case for and against investing in gold. It can be a store of value but it doesn't earn an income itself. Is it good insurance against inflation? Will it carry on going up forever?
Tax time doesn't need to be a stressful event if you maintain records throughout the year. Follow these tips to make filing your taxes a breeze.
There are many reasons why you should NOT get a private student loan. If I can warn you about one thing, avoid Sallie Mae's private student loans at all costs! And here's why...
These are the upcoming further public issues (FPOs) that are going to be floated in the Nepali stock market.
Demand for Bitcoin and its scarcity will continue to drive the cryptocurrency higher. Best to buy and hold, even when the inevitable bubble pops. It'll soar even higher afterwards.
A personal analysis of how gyrations of the market can make losing trades into winners, and the understanding of why it's not a sure thing.
Do you know the pros and cons of a car donation? When you donate your car, how much of the car's value goes to charitable causes? Find out the good, bad and ugly side of car donations. Read more...
Trading options on futures has advantages. Risk can be controlled; improved odds of success; and gains are taxed less.
A comprehensive analysis focused on how to use the AIM system to manage a small portfolio of multiple exchange traded funds. Includes 15+ years of data to perform a detailed empirical analysis.
The world's love affair with gold continues after five thousand years. Gold is rare and beautiful, but, where does it come from and what do we use it for?
A stock always just has a 50/50 chance of going up or down from where it is. Your success can be improved well beyond 50% by using this method.
Equity Crowdfunding allows people to invest in start-ups and small businesses. Equity Crowdfunding allows people to build wealth and directly invest in their communities.
Tired of the bank CD’s paying less than one percent? Quality dividend paying stocks can be an alternative to these low yields.
Social Security statements delivered online or by mail sometimes have missing earnings for years you know you worked. Do you know how to fix your statement?
For Filipino taxpayers, filing taxes online is not yet the norm. If you are one of those thinking of enrolling in the EFPS and filing your taxes online, here are some of the things you need to consider before you go through the enrollment.
What is the difference between investment income and capital gains? After all, they are both ways of getting a return on your investment. This article explains the difference and why it matters.
Investing in different asset classes can help you reduce risk without reducing return and gives you tools to help you make your investment portfolio meet your goals.
If you are looking for job opportunities in Malaysia or already working here as an expatriate, these list of issues & Q&A on tax law in Malaysia LHDN will help you understand your tax exposure better.
Some are confused over the details on how cheques operate in the banking system. Further many are not aware how bank drafts work.
Selling options short is a method used to put the odds in your favor. You can improve those odds even more by defining your risk.
You can't profit when you trade on emotion. There is a way to avoid the pitfalls of emotional trading, as I'll explain.
Is a credit card a convenient tool, or is it an expensive way to borrow that can saddle you with serious debt? This article looks at the pros and cons.
What is it like being a volunteer coordinator for the Dave Ramsey Financial Peace University program?
If you have an account with State Bank of India (SBI), here are the rules about daily ATM card use including maximum withdrawal limits.
The amount of time it takes to transfer money after selling stock may depend on what type of brokerage account you have. Figure out how long your money will likely take in this article.
Learn about laws that already have been passed in 30 states that require adult children to pay the bills for aging parents who can't pay their bills themselves.
Contrary to what you might have heard, investing is not the realm of the rich and powerful with lots of expertise. No, everyone can and should learn about investing.
Are you interested in earning money online but have issues with PayPal or Payoneer? Maybe you've considered accepting bitcoin? If so, there's a world of possibilities open to you.
The private student loan system in the US is broken and Sallie Mae/Navient is the worst offender. I aim to educate student loan borrowers & campaign for change for those already in over their heads.
Elon Musk, a modern entrepreneur, has created several companies and products that are technological cutting-edge and ambitious to say the least. But does that mean Tesla has a solid future?
Don't have a credit card but still want to buy products online? Here are ten (often safer) alternatives for you to try!
A short overview of how to calculate fees for money transfers by bank or PayPal. Article shows how to calculate which method will be cheaper.
The average American household has over $155,000 of debt. Liabilities include mortgages, car and student loans, credit card balances, medical bills, signature loans, back taxes, and overdraft charges.
How to file an SSS funeral claim, from all required documents to filing the claim in your local office.
These are the top 10 mutual funds that are running in the Nepali market. See their latest net asset values, total funds, and major stock market indicators.
Investors often fork over thousands of dollars for capital gains taxes that they could defer indefinitely with 1031 exchanges. Learn the basics about how IRS code Section 1031 can preserve wealth.
What are the pros and cons of Chris Hogan's book "Retired Inspired"? And how does it relate to the RIQ tool and Dave Ramsey's books?
Managing a budget is a critical skill for any businesses that involves monitoring, controlling, recording expenses, minimising costs, and identifying situations for corrective actions.
What is with all this hype regarding Prosper.com and other peer to peer lending networks? Can you really get a personal loan at a reasonable rate from a group of complete strangers? Well I will try and explain all you'll need to know and hopefully...
Dismiss the myths you might have been led to believe about claims for damage done by hail to your home and property.
Investing in shares can make you money either by paying dividends or by the share price going up giving you a capital gain.
Money invested in stocks is 100% at risk. There is a way to limit your risk with options, when done right.
Here goes my best effort to explain what Bitcoin is and how it works, in terms that “normal” people can understand.
Investments with higher expected returns come with more risk, and safer investments generally pay less. Understanding this, and how much risk you are willing to take, is important in managing your investments.
Clear and simple tips to finally get your financial records organized, including what to keep and what to shred.
Tax Clearance is required if you retire, resign, or leave Malaysia for more than 3 months, and for the deceased. How to apply for a tax clearance letter (TCL) and get your last month's salary ASAP.
If getting a financial advisor feels a bit too serious for you, start small with these unconventional methods of investing.
Receipts a mess? Organize them in 4 simple steps so you find what you need and are ready at tax time.
Each currency pair has its own special unique relationship which means you need to take account of subtle differences when trading the pair. Some factors that make this pair move.
A simple, easy-to-implement method of managing bills so as to minimize credit card late fees and bank overdraft fees. For use when life has thrown you under the bus, and you just need to survive.
A detailed analysis of the AIM algorithm when varying the check frequency, % initial investment in equity, and high/low/medium beta ETFs. Concept of internal rate of return is used for comparison.
Whether you're interested in investing for the future, or just to have some money put away for a "rainy day" or emergency, saving money when you don't have much can be tough. Here are some tips.
To send or receive Bitcoin a person needs a wallet such as Coinbase. Coinbase is very similar to PayPal, but is for cryptocurrency transactions. This is a guide to setting up a Coinbase account.
What are the pros and cons of owning physical gold? It is a complex question this hub tries to address this question and present both sides of the issue.
Being poor can sometimes be more advantageous to you on your road to financial success. Learn about the advantages of being poor, the disadvantages, and how you can leverage your financial history to becoming financially successful, maybe even become a millionaire.
A currency swap is the purchase or sale of a forex spot transaction with a simulataneous purchase or sale of a forex forward transaction.
Frequently, cash flow problems occur because you have wittingly or unwittingly mismanaged your financial portfolio.
TurboTax is so incredibly user-friendly. The only hard part is determining which version fits your needs: Basic, Deluxe, Premier, or Home & Business. Here's some guidelines to help you decide.
Don't get duped when it comes to buying and selling silver bullion. Do it the right way - just like to pros do.
In today’s low-interest environment for investments, there is an alternative to the low rates, that is, high quality high yield dividend paying stocks.
Find out whether the price of the Drawn Blank series of prints by Bob Dylan on the secondary market has gone up - or down - the key factor in whether it is a good investment.
Sometimes you need a second job. Maybe you don't make enough money at your full-time job or maybe you need some extra cash for the holidays. It is possible to work two jobs at once and not go crazy.
NVDA stock has returned over 600 percent in the past two years, but is now down 17 percent from its June 9 high.
Thinking of joining the Rich Dad Poor Dad education program? Read this HUB first it will guide you in the pros and cons of the system.
I have used TurboTax over 15 years for my business and personal taxes, so I can tell you about it's benefits and what version you need. Updated for taxes due April 2018.
Flat tax success stories are fairly easy to find. A number of countries have seen impressive economic growth after adopting the flat tax idea. This is especially true since the fall of the Soviet Union. As countries formerly under Soviet communist...
Wanna open a Fixed Deposit online via Olnine SBI, but don't know how to? Well follow these simple illustrated steps and you should have you Fixed Deposit created in no time.
Figuring out how to calculate your taxes can be very challenging, even with the help of a tax professional. If your dependent child collects unearned income from government benefits such as Supplemental Security Income (SSI), figuring out what to...
Find the maximum withdrawal limit from ICICI ATM per day. Type wise debit card ATM withdrawal limit is given.
Most of us have been there at least once in our lives; a check deposited or written to someone was returned by the bank. It may be stamped with things like NSF, UCF, UTL, etc. What does that mean? Did I do something wrong? These strange and...
There are tons of articles online about buying a car with cash, but none that answered my real question: how do you physically buy a car with cash?
A step-by-step guide to paying off the debt you can and brining your credit score up 200 points over the course of a year.
Having problems making purchases online? Tired of relying on other people to buy things for you? Well now you can do it yourself, with VCpay. This is a guide to setting it all up.
The differences between buying bonds or shares:what risks you are taking, what return you can expect, and how you will get paid.
Do you need to transfer money from your credit card to a checking account, but don't want to pay ridiculous wire transfer or cash advance interest and fees? Read on to learn about an amazing money hack.
Interested in dabbling in the Nepali stock market? These upcoming IPOs will give you a head start. Find out the 10 initial public offerings that are being floated in the Nepali share market in 2017.
How much is your domain name worth? Don't waste your money on a paid appraisal. Appraise your own domain names for free. Five of the best services online described in detail here.
Having a hard time figuring out how to withdraw your Paypal money to your own bank account? This is a comprehensive guide to help you out!
Thinking about buying into penny stocks but not sure if you have the skills to lose as big as some of your peers? Follow the tips in this article and you will be posting record losses in no time.
Investment is a commitment and you should weigh all options before starting a savings plan or buying your first shares. So which is better for you? Unit trust or shares? Let's find out.
Building your credit score is difficult, especially when you have limited credit. Here are 5 steps to building your credit score quickly from 0 to 700 in 6 months.
This information given here will help you to update your KRA pin to iTax. All old pins processed using ITMS are required to be updated to iTax. This is done by logging in to iTax portal.
Banking over the internet has made the life easy for users by providing online access to various banking services.
Lost my house, my business, my car, my bank account is empty, now what? Yes.. this really happened to me - and more.. I had a bad year in 2009 - to say the least - the week that they towed my car away, I received the official foreclosure notice in the mail, along with a...
A guide on how to set and achieve SMART financial goals and track your progress. What's keeping you from getting rich?
When you donate something that isn't straight cash, you are responsible for recording its value if you want to get a deduction for it when you file taxes for the year. Because much of what we donate is used, we cannot record its original value,...
Certain red flags that the IRS looks for can put you at risk for a tax audit. Stay out of trouble by reporting all of your income and only taking credits and deductions that your are entitled to and can support with proper documentation or receipts for all expenses.
Inflation means that even if you get your money back as expected it may not buy as much as you thought. This issue is worse for some investments than for others.
Alabama residents receiving full Medicaid may qualify for gas reimbursements for non-emergency doctor appointments. This article will inform you of the steps.
The cost of living on your own is uncharted territory for many young people. Here's a breakdown of 2012 living costs per category including: taxes, rent, auto, food, cable, and debt repayment.
Overwhelmed with interest and finance charges from payday loan? Fallen into a never-ending cycle of loan after loan? Read on to find out how to get yourself out of debt.
Online banking is an easy way to manage your money. There are a few minor drawbacks but these are outweighed by the time and money you save.
Don’t get frustrated with all the information on stock market charts and tables. Learn the basics so you safely and profitably buy and sell stocks.
Many banks no longer offer safe-deposit boxes. Here are some alternatives and the kind of valuables you should be storing in them.
Tax rates for filer and non-filer taxpayers are different in Pakistan; non-filers have to have pay more tax. Here's how to become a filer and appear on the active taxpayers list (ATL).
Finding a place to start improving your finances isn't easy, especially when you know that you aren't in a good place. Here are some ways that you can start improving your finances today.
The Philippine Social Security System now accepts loan applications online. No more paperwork! Find out how to apply for a salary loan in five easy steps.
Einstein claimed compound interest was the 8th wonder of the world. A firm understanding of this rule regarding compound interest could change your life. This is how millionaires are made.
Banks vary in terms of when they process deposits and make money available to account holders. Find out what time of day your banks makes newly deposited funds available for withdrawal.
What does it mean if you log into your PayPal account and realise that you are unable to send or receive money because your account has been restricted? Why has your account access been limited?
You can claim your girlfriend or fiancée on your taxes provided she meets certain qualifications. Here's how to do it and how much you can get back from the IRS.
A complete guide to file income tax return and wealth statement for tax year 2015 as a salaried or business individual, an AOP or a company using iris system.
If everyone wants financial success, then why isn't everyone wealthy? The answer isn't simple. Here are the destructive behaviors, mistakes, and ideas that keep people from achieving success.
Most who buy money orders don't give a second thought to where it was purchased. Ask when you purchase one if the receiver can cash it at the chain of stores it was purchased from.
In less than two years after my bankruptcy, I’ve brought my FICO score up to 730, which is in the ‘good’ range. In this article, I will outline the five simple steps I took to get a good FICO score after bankruptcy.
Mastering Bitcoin may have a steep learning curve but if you're looking to trade this popular cryptocurrency, there are easy ways to get involved.
In this article you'll find a step-by-step guide to purchasing Bitcoins using Coinbase. Coinbase is an easy and secure service for buying bitcoins using a bank account.
Real Estate Investment Trusts (REIT) and Masters Limited Partnerships (MLP) are investment vehicles that typically return a higher than average dividend.
Learn Why and How it's important to have a personal budget and set and achieve your financial goals: short, medium and long term. Following a budget will benefit your life in remarkable ways.
Investing in OTC stocks is risky business as it is, but if you head to iHub for advice, you may take your investment from risky to suicidal.
Do you want to take advantage of financial benefits (lower taxes, business tax credits, in-state college tuition, etc.) by establishing residency in another US state? Here's what to do.
If you are wondering whether your federal tax refund will be taken by the IRS as a result of debt, owed child support, or other reasons, here is how you can find out.
Credit unions and certain other financial institutions are ten times better than national banks and credit card companies. Pay fewer and lesser fees.
Credit cards are promoted for their convenience. There are downsides to using them, however. Here is a list of reasons why credit cards can be a bad thing.
I discovered an interesting event with day trading. Most of my trades would go against me. Here’s my solution to the problem.
What is the least expensive way to send money overseas? Is there a way to conduct a free international money transfer? There is. When you finish reading the explanation, you will wonder why you never thought of it yourself.
The majority of Paypal payments are instant but occasionally the payment will come through as a Paypal eCheck. Paypal eChecks are just like normal paper checks which take 3-4 business days to clear.
How do you save money every month? Don't spend, live below your means, and do without. Examples of how I have saved!
Even though you might have a Social Security number do you still have the physical card? Replacing a lost one, or getting a new one, isn't too difficult; here are some tips to help.
What time do my wages actually go into my bank account? A list of times that banks update user accounts and release funds.
Throughout the world, the American Silver Eagle one-dollar coin is considered the most beautiful. It is the preferred 0.999 silver coin for bullion and for numismatic coin collection.
Find out the pros and cons of debt consolidation, one of the most popular forms of debt reduction. You will also learn which debt consolidation companies are the best for 2016.
A peek into what life is like for people after they leave the world of work that can help readers prepare for their own retirement.
Find daily maximum withdrawal limit from Axis Bank ATMs. With a required amount, you can get financial freedom and hard cash.
This hub gives my thoughts of what steps you need to take to become a successful trader. There are no magic systems, but there are certain rules that will help you to stay in the game
Discover different methods of transferring money from PayPal to Skrill. Which strategy is cheap and convenient, and which ones are costly and risky?
You can pay NHIF through M-Pesa using a mobile phone money transfer. All you need is the NHIF paybill number to make your NHIF payment via M-Pesa.
With the rocketing bitcoin prices mining the cryptocurrency seems very appealing. Don't! There is simply no way you will make any money.
A look at what to do if you can't pay your Provident loan back. If you miss your payments, will you incur extra interest charges? What happens if you can't pay your Provident loan back?
The senior who makes a plan remains in charge. Without planning and preparation, options may be limited, creating frustration for families and service providers.
Here is an outline of the peer to peer lending system in Britain/UK and the reward one can expect. I detail my experience of three companies; Funding Circle, LandBay, Wellesley & Co..
Do you want explore Binary Options? A key step towards the success and for sustainable profit, you need to select the best broker and platform. This article explores the best platforms out there.
Whether the annual income for an American family is $20,000 or $200,000, they are likely to spend most, all, or more of what they earn.
A brief explanation of stocks and shares and how they work and what their good and bad points are for investors. A short description of the pros and cons of equity investing and considerations relevant to retail investors.
Saving money for a major purchase like a car is perfectly possible. There are many ways in which you can save money on a daily basis to reach your goal.
Do credit cards lead to unnecessary buying? This author thinks they do, and explains why, and the pitfalls of the system.
Great ways to make extra money or cash with no skills required. Make extra cash, earn additional income and build your wealth now, immediately, fast or quick. Get extra money every week, month, year.
Bonds or bond funds should be an important part of every investors portfolio. They offer a steady return on your investment without the volitality of the stock market.
BDO, BPI and Metrobank are the biggest commercial and universal banks in the Philippines. Each one has its own strengths, so not one of the three, to my mind, can categorically claim that it's the most powerful bank in the country. BPI, Metrobank...
If you're just starting out on a path to financial independence, it can seem scary! This guide will help you plan a realistic budget, and stick to it.
This article walks you through how to connect a brokerage account to your Yahoo Finance account on a mobile device, and how to remove a connected brokerage account from your Yahoo Finance account.