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Personal Finance Articles from some of the leaders in investing, business, and finance. Includes articles about persoanl finance, savings, tax, investments and getting out of personal debt. See also Finance News.

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Get Rich Slowly
Michael Dylan Get Rich Slowly Article
I have to confess, I have read a whole bunch of get rich quick books, listened to get rich quick audio books and have even bought a few crappy get rich quick ebooks. They all taught me that you can get rich quickly by selling get rich schemes to lazy people like myself looking for shortcuts. Which is not to say that one can't become rich quickly, but there's a lot of luck involved and luck isn't something I'm prepared to depend on for my financial freedom.
::: Read Get Rich Guide
Survival in Tough Times: Smart Shopping
Al Jacobs Smart Shopping in Tough Times
When economic times are good, you may be inclined to shop with little regard for price or value. But when conditions turn sour, as they have for many Americans, it’s another story. The advertising industry is devoted to identifying what citizens consider significant. Even more so, the market manipulators create those choices. With customers now in short supply and lesser sums to be spent, the competition is as fierce as it is grotesque. As your dollars must be stretched longer and harder, you’d better spend each of them wisely.
::: Read Frugal Shopping Article
iPod Index 2008
CommSec iPod Index Review of World Currencies
According to the most recent CommSec iPod index, Australia is the cheapest place in the world to buy an iPod (as of October 2008), a reflection on the recent fall of the Australian dollar when measured against the U.S. Dollar. The iPod index is not a direct measurement of currency exchange rates, but is designed to provide price comparisons of the same goods when purchased in different countries by foreign buyers. The price comparisons are based on the iPod 8GB nano in the value of U.S. Dollars.
::: Read Apple iPod Index Review
Review of the Economist Magazine's Big Mac Index 2008
Big Mac Index 2008 Review
The Economist magazine recently published their lighthearted look at world currencies with the 2008 Big Mac Index. World currencies are measured against the cost of a single Big Mac from McDonald's fast food restaurants in each country. Ideally there would be a wide range of products used to measure the value of a currency, but that wouldn't be nearly as interesting as using just a Big Mac.
::: Read Big Mac Index
The Subprime Aftermath: Lessons Learned
Al Jacobs How to Deal with the Subprime Loan Crisis
Though not quite as contemptible as an obscene four-letter word, the term “subprime loan” comes close. Those two words acquired a stigma over the past year as the real estate market essentially collapsed. It’s the rare financial analyst that fails to remind us how subprime lending resulted in nationwide misery. Unfortunately, after uttering that accusation, many counselors are remarkably imprecise as to exactly what constitutes a subprime loan.
::: Read Subprime Loans Article
Funny Business and Finance Terms
David Bond Funny Financial Terms
See the list of funny business and finance terms explained so that anyone can understand them. While they are meant to be humorous, there's also a lot of truth in many of them.
::: Read the Funny Finance Words
The Importance of Financial Awareness in your Children
Al Jacobs Tips for Teaching Children about Money
The following set of questions and answers is an interview I recently gave to a children’s magazine. Although my financial commentary is normally aimed in a different direction, the questions were challenging and my answers seem appropriate for any adult audience. As you read my responses, you’re invited to think of the youngsters in your life, as you consider how you might interact so to be of help.
::: Read Financial Awareness Article
How to Make Sure You Don't End Up Broke
Al Jacobs Tips to Retire Rich Information
A fundamental question that every financially concerned individual must face is this: Will my money expire before I do? It’s not a trivial matter, for the prospect of arriving at advanced age with no assets was never more accurately expressed than by character Lamont Sanford in the television series “Sanford and Son,” when he exclaimed: “There’s only two things worse than being poor—it’s sick and dead.”
::: Read Retirement Article
Review of the Economist's Big Mac Index 2007
Big Mac Index 2007 Review
The Economist magazine released their annual "Big Mac Index" for 2007. It's their lighthearted look at a subject that most people find dry and tasteless. I'm talking about purchasing-power parity or PPP, not the Big Macs (which may or may not be tasteless and dry). They look at world currencies and how fairly valued they are compared to the currency of different countries.
::: Read Big Mac Index
Money, Money, Money!
Michael Dylan Money is Good Article
Money is good! In this day and age that we live in, money is not only good, but absolutely essential. Besides air, it may be the next most important thing in life. Of course health, love, friendship, fitness, faith, and happiness are all very important too, but how do we eat, or pay rent, or go to the doctor without having money?
::: Read Money Guide
7 Ways to Tell If You Are on the Trail to Success
Al Jacobs Road to Success Guide
At some point in most people’s lives comes a realization that the dreams of youth and more sober aspirations of early adulthood may never come to pass. A childhood fantasy to become a famous movie star, a teenage obsession to excel on the athletic field, or a young worker’s aspiration to be a millionaire, are among the hopes that remain a distant vision. But as years pass and illusions fade, each of us must come to terms with the success we achieve—or fail to achieve.
::: Read Personal Finance Article
Interview with Noel Whittaker
Noel Whittaker Interview - Personal Finance Expert
Noel Whittaker is a well known Australian money columnist, public speaker, investment planner, and best selling personal finance author. His popular "Making Money Made Simple" book has transformed the lives of thousands of Australians and made learning about money interesting.
::: Read the Interview
Develop a Prosperity Consciousness
Brian Tracy Prosperity Consciousness Article
The starting point of all riches is the development of a prosperity consciousness. You must become a financial success in your thinking long before you achieve it in your reality. Both poverty and riches are the result of a state of mind, and the most important single step you ever take on the road to wealth and financial independence is the decision to change your thinking, to impress into your mind an unshakable belief that you can and will achieve your financial goals.
::: Read Full Get Rich Article
Intellectuals Beware
Al Jacobs Intellectuals Beware Article
“Do you really have to be a genius to become financially independent?” Perhaps it’s time that we consider exactly what role native intelligence plays in achieving monetary success. Although the modern public school establishment may contend otherwise, we cannot all be at the top of the class.
::: Read Personal Finance Article
The Five Most Important Principals for Prosperity
Michael Levy Principals of Prosperity Article
Many years ago, forty to be exact, I started my own business at the tender age of nineteen. The street markets in and around Manchester England was my happy hunting ground. Every day was an adventure and despite the weather and difficulties of getting a stall on the street market, life was always fun and enjoyable. There was always some comical incident, even when I had to stand in the pouring rain, with no customers in sight. And if there was no amusing event to focus on I created one and made other people laugh.
::: Read Full Personal Finance Article
The Ten Essential Requirements For Asset Management
Michael Levy Asset Management Article
How good are you at managing your assets? Over the past few years, I have received a few invitations to attend seminars at high-class restaurants. Naturally, I have attend a few and enjoyed a nice meal and at the same time listened to expert financial managers teach me how to take care of my assets.
::: Read Full Self Help Article
Observations of a Bubble
Al Jacobs Real Estate Bubble Article
The subject of real estate is seldom discussed today without mention of the omnipresent housing bubble. From all reports, it seems certain to burst, bringing with it a cornucopia of misfortune for millions of souls. Judging from the incessant flow of articles and commentary, it is a national obsession. Publications of such stature as Reuters and Businessweek and persons as prominent as Federal Reserve Board Chairman Alan Greenspan are regularly addressing the problem.
::: Read Full Investment Article
The Mutual Fund - A Critical View
Al Jacobs Investing Mutual Funds Article
Not long ago I received an inquiry from a visitor to a website on which I’ve functioned as the financial consultant over the past year. The questions, short and to the point, read as follows: “What should I look for in a fund? I recently rolled over a 401(k) into an IRA and right now sitting in a money market account (I’m peeved at my advisor about that). I’m looking for some good aggressive growth funds. One more thing: The IRA is about 6K. Should I put it in one mutual fund, or a couple, or a hundred? Thanks, Kelly.”
::: Read Full Investment Article
How to Have More Fun With Your Tax Refund in 2005
Cindy Morus - Tax + Personal Finance Article
I counsel a lot of people about money. I see the same mistakes being made over and over again.
If you’ve made ‘em, don’t worry. I’m here to help you do it right this year! The fact is, moneymakers need a money coach, just like gymnasts need a gymnastics coach.
::: Read Full Tax Refund Article
A Thimbleful of Prosperity
Al Jacobs Investing + Personal Finance Article
My financial newsletter as well as a regular flow of articles, stress the importance of amassing assets. In these writings I discuss savings and retirement programs, corporate stocks and bonds, rental real estate, mortgage lending, and a variety of other more or less sophisticated methods for achieving wealth. My belief has been that, provided with guidelines and encouragement, any person can learn to master the techniques needed to become prosperous.
::: Read Full Financial Prosperity Article
The New Bankruptcy Law (in America)
Al Jacobs Investing + Personal Finance Article
For a brief historical background, the concept of bankruptcy is relatively modern, dating in this country to 1800 when Congress adopted the first national bankruptcy law, modeling it after a British statute of the time. Prior to that time, unpaid debts were treated as criminal offenses throughout the world. In ancient Rome, creditors were literally able to divide the body of an insolvent debtor or to enslave him and his family.
::: Read Full Bankruptcy Article
Create your own Anti Emergency Fund
Cindy Morus - Savings + Personal Finance Article
Do unexpected car repairs, quarterly insurance payments or those darned property taxes find you hard pressed to squeeze one more dollar out of an already stretched monthly budget? Or do you usually end up reaching for the plastic in your wallet to make up the difference? Those inevitable expenses can put less stress on your bank balance -- and your mind -- if you learn to expect them and save in advance.
::: Read Full Savings Article
Wrestling With the Establishment
Al Jacobs Investing + Personal Finance Article
Have you done any business with a large multinational company recently? And if so, during the transaction did you have that feeling of confidence which comes only in the presence of grandiosity, as eloquently expressed in the slogan adopted by a mammoth northern California savings & loan association some years ago? "Big . . . Safe . . . Friendly."
::: Read Full Investing Article
25 Signs That Show You Know How to Handle Money
Al Jacobs Investing + Personal Finance Article
The ability to master your money is not something that just happens. It takes time, training, and temperament.. Whatever the average citizen knows about saving and investing did not come from the classroom. This is understandable, of course, if only because the typical classroom teacher is equally mystified by the world of money. Nonetheless, there are those among us who have figured out how it all works, and what it takes to prosper
::: Read Full Investing Article
Top 10 Secrets to Avoiding “Marital Money Chaos©”
Cindy Morus - Personal Finance Article
Money can wreck a relationship. In fact, how they spend, save, and account for money is one of the leading sources of disagreements between couples. In almost every study, money ranks as the first or second most argued-about topic for couples and partners.
::: Read Full Finance Article
5 Magnificent Ways to Waste Money
Al Jacobs Personal Finance Article
This is dedicated to those among us whose wealth is so abundant that they need advice on how to dispose of it. In connection with the guidance I’m about to offer, I can claim no original inspiration, as the methods are not novel. I’ll also concede that many individuals without money to burn also practice these spendthrift techniques, though exactly why persons not rolling in dough behave in such a fashion remains a mystery
::: Read Full Personal Finance Article
How Much Credit can you Afford?
Cindy Morus - Personal Finance Article
Before making the decision to add more debt, you need to make sure that you: Allocate sufficient money for your essentials... Borrow only for items that you need and can afford... Borrow only if you're spending less each month than you take home.
::: Read Full Finance Article
Money Saving Truths
Kristine Geimure - Personal Finance Article
Becoming financially secure is a goal of many of us, yet most of us still live from pay to pay and just scrape by. The basic rules of becoming financially free are really quite simple and can be learnt by anyone, but it's the implementation of these rules week after week, year after year that is the challenging part. Below is a list of simple truths to set you up for financial freedom.
::: Read Full Personal Finance Article
Build Your Own Safety Net Savings
Cindy Morus - Personal Finance Article
Do you walk the high wire of personal finance? Is every month a balancing act that works only as long as the next paycheck arrives on time? What happens if that next paycheck doesn't arrive? The cause could be many things which you cannot control: an illness, a layoff, a sales slump.
::: Read Full Finance Article
5 Key Savings Strategies
Cindy Morus - Personal Finance Article
The best investment most borrowers can make is to pay off consumer debt with double-digit interest rates. For example, if you have a $3,000 credit card balance at 19.8%, and you pay the required minimum balance of 2% of the balance or $15, whichever is greater, it will take 39 years to pay off the loan. And you will pay more than $10,000 in interest charges.
::: Read Full Finance Article


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