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Money Management

Finance Basics

Some possessions (like your car, big-screen TV, boat and clothes) are assets, but they aren’t wealth-creating assets because they don’t earn money or rise in value. A new car drops in value the second it’s driven off the lot. A car is a tool that provides transportation, but it’s not a wealth-creating asset.

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Investing 101

Once you have a good savings foundation, you may want to diversify your assets among different types of investments. Diversification can help smooth out potential ups and downs of your investment returns. Investing is not a get-rich-quick scheme. Smart investors take a long-term view, putting money into investments regularly and keeping it invested for five, 10, 15, 20 or more years.

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Take Control of Debt

Liabilities are your debts. Debt reduces net worth. Plus, the interest you pay on debt, including credit card debt, is money that cannot be saved or invested—it’s just gone. Debt is a tool to be used wisely for such things as buying a house. If not used wisely, debt can easily get out of hand.

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Homeowners insurance covers your home and possessions. The personal liability coverage in a homeowner’s policy protects you from loss resulting from any injuries that may occur on your property. Your mortgage lender will require you to carry a certain amount of insurance coverage as long as the mortgage is in place. 

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Managing Your Credit

For all of the discussion around the importance of credit scores, it's hard to know what's true, what's fiction, and what lies in between.

While there are misperceptions and misunderstandings still lingering in the marketplace, the good news is that overall knowledge about credit scoring is improving.

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Finance Glossary

Bankruptcy - A legal proceeding declaring that an individual is unable to pay debts. Chapters 7 and 13 of the federal bankruptcy code govern personal bankruptcy.

Beneficiary - The person designated to receive the proceeds of a life insurance policy.

Budget - An itemized summary of probable income and expenses for a given period.

Capital - Cash or other resources accumulated and available for use in producing wealth.

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Steps to Financial Freedom

Financial freedom is the power to do what you will with your life without being forever bound by lack of money and over burdened by debt.  This worthwhile goal can be achieved by anyone through careful planning and persistence.

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Personal Finance Rules to Building Wealth

Personal Finance Rules to Building Wealth

Key 1 - Pay yourself first
Key 2 - Saving is not a punishment. Its making choices about how you'll use your money.
Key 3 - Financial success involves hard choices. Be prepared to make them.
Key 4 - Make a budget and stick to it. 

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The 10 Steps to Becoming A Millionaire

There is perhaps no more important decision than to take charge of your own financial future. We live in a world of opportunity, and yet most Americans are buried in credit card and other debt. We are surrounded by people who are getting rich, but most of us are running in place. If you can read this, you are literate, have a computer, you are part of the "wired generation". You can become as financially independent as you wish to be. Here are the Top 10 keys to your financial success:

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Who Wants to Be A Millionaire?

Steve Martin once delivered an opening monologue for Saturday Night Live in which he answered the age-old question "How can I be a millionaire?" His answer was fairly simple and straightforward, "First? get a million dollars."  If at this point you can't help but feel that Mr. Martin performed an extraordinary feet of oversimplification that night, then I urge you to read on, and hopefully, by the time you finish this essay, you'll be convinced that becoming a millionaire isn't nearly as difficult as everyone makes it out to be. 

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How Women Can Take Control of Their Financial Future

As women continue to break the glass ceiling in the working world, they also need to keep in mind their potential vulnerability in the financial world. Women tend to be more concerned about monthly expenses than saving enough for retirement, according to a recent survey sponsored by the Retirement Services Division of Massachusetts Mutual Life Insurance Company (MassMutual).

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21 Secrets of Self-Made Millionaires

Self-Made Millionaires are not smarter or better than you. They have just discovered these secrets and used them to become wealthy. You can do it too

(1) DREAM BIG DREAMS. Thinking Big will change your life. For a crash course on this read "The Magic of Thinking Big."
(2) CREATE A SPECIFIC PICTURE OF WHERE YOU'RE GOING. The more specific you are the more likely you are to get there.

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