12Feb

Personal Finance Options For People With Bankruptcy and a Bad Credit History

Filed Under: Personal Finance    by: admin


Do you have a bad credit rating, i.e., a credit rating of less than 580? Are you almost bankrupt or have filed for bankruptcy? Do you need personal finance as the payday is a few weeks away? If your answers to these questions are “Yes,” you need not worry. Fortunately, there are several subprime and bad credit lenders who lend money to people with a low credit rating and can help you out.

Subprime and bad credit lenders have a variety of personal finance options available for individuals with past bankruptcies. To begin with, you can check with your local bank or credit union whether it offers bad credit loans. You can also search on the internet for bad credit lending houses that offer loans and personal finance options.

However, do bear in mind that the risk of lending money to people with bad credit ratings is high, and therefore, the interest rate that the loan companies charge for loans is at least 4% higher than the typical prime lending rate of banks.

Here are some things you need to bear in mind if you are looking for a lender to help you out:

1. Consider a number of sources before you sign up for a loan; do not accept the first offer that you get from a subprime lender.

2. Read and understand the entire loan agreement carefully, especially the repayment schedule, as well as check whether you can really afford this loan. The loan details may be wonderful, but if your pay check does not give you the cushion to take the loan, re-consider your decision before you sign the agreement.

3. Further, learn everything about the other “hidden” charges such as transaction fees and application fees that the loan will entail. Ensure that you clarify all the details regarding the loan agreement with the lender. Especially, if there is a certain part that you do not understand, ask your loan agent to explain it in detail.

If your credit history is bad or if you have undergone a bankruptcy, it may become a little difficult for you to obtain a loan. Some lenders and subprime loan providers require additional security and may charge higher interest rates, but they will certainly be able to help you. Just spend some time and effort on conducting a thorough research to find the right personal finance option from a bad credit lender that maximizes your chances of sailing through the bad financial times.

By: Joseph Then

About the Author:
So, one solution is to look for a bad credit lender. If you are able to declare bankrupt, it is good to consider Chapter 7 Exemptions



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06Feb

Taking Care of Business At Home – A Personal Finance Checklist

Filed Under: Personal Finance    by: admin


Why would you not consider yourself a business of ONE person? Or your family as a business of 3 or more people? Well that is exactly what you are – “Me Incorporated”, “I Inc”, “We Incorporated”. You truly must consider yourself a small family business. Like any business you have ongoing expenses (mortgage, rent, utilities, groceries), revenue (salary and other income) and major capital expenditures (house, vehicle, vacations, renovations).

Like any good ‘household business’, you need to do some planning. Set out a budget for the year, track your expenditures and retained earnings (savings). Yes, all of this looks, feels and is exactly like a well run business. On My Gosh! Don’t rush out and buy an accounting package to run your household. And no need to take a crash course on accounting or bookkeeping. You can accomplish all your financial tracking and planning requirements with some paper or by using a simple template with your favorite spreadsheet package – Microsoft Excel or even with Open Office.

Just like a well run business, your household budget and tracking your spending is best served using a visible record of events; namely, financial records, bank or check register. It is just like tracking your road trip progress using a map. If you know where you are now, then you will have some idea when you will arrive at your destination. In life, money or finances allows you to get to your personal destinations or dreams. A visible financial roadmap of your ‘Me Incorporated’ finances, mapping your progress, seems logical.

Running your ‘Household Business’, like corporate business, requires a few processes to keep track of your finances:

1) Establish a yearly and monthly household budget. Consider all your expenses – weekly, monthly, quarterly and yearly outlays of money. You will be surprised at the length of this list and all the places you spend your money.

2) Track monthly your actually spending and income against the budget you established in step 1. This will help you see the ‘peaks and valleys’ of spending or seasonality aspect of your expenses. Over time, you will come to know these expense ‘peaks and valleys’ and this will help you maintain a positive cash flow. Bottom line: have money in the bank to pay all your expenses and still have some left over (retained earnings). Your single biggest challenge in running any household (or business) is always having enough money in the bank to pay the bills; especially, the unexpected ones. Having a buffer of savings will help with these ‘peaks’ in expenses.

3) Track all your bank account activity. Track and enter in your Bank or Check Register every deposit, every electronic (ATM, web, PayPal, debit machine) transaction and every analog (check, money order) withdrawal. And reconcile your bank statement every month. Know exactly how much money you have available in your bank account(s).

4) Especially track your spending through credit cards and lines of credit. These are potentially the ‘run away’ expenses. Remember only once a month do you see the visible record of your credit card spending. Compound that with the fact that most people have more than one credit card. This can easily result in multiple ’spending surprises’ each month. Be diligent in tracking your use of credit card transactions. Breakdown the credit card expenses into their respective budget items – gas, groceries, clothing, entertainment, etc. This will help you separate normal household expenditures from other shopping incidentals. You will come to see your spending patterns and can now make adjustments. Just like your bank account, reconcile your credit card statement every month.

All this personal bookkeeping every month can be done with pen and paper or set up a personal finance and budgeting template using your favorite spreadsheet software. Using an electronic spreadsheet allows for all of the mundane calculations to be processed automatically, reducing monthly reconciliations to a simple 5-10 minute endeavour. Whether you choose an analog or digital approach to your personal finance bookkeeping, these visible records are the most effective way to plan and control your personal finances and reduce one of the major stress points in your life – Your Financial Health.

By: Carl Chesal

About the Author:
Carl Chesal is a business and channel development consultant, trainer, internet marketer and professional photographer. His hobbies include Gardening and Woodworking. He operates BizFare Enterprise Inc, providing business, marketing, and internet marketing consulting services. Bizfare Enterprise also operates a number of secure on-line shopping sites, like a DIY Woodworking Projects and Recipes at Home And Body How To.



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31Jan

Personal Finance Tips For You by Nocita Carter

Filed Under: Personal Finance    by: admin


Personal Finance Tips for You includes twenty-four topics covering an array of areas. The author states in the introduction “it is important to know as much as you can about managing your personal finances in these economic times.” Some of the areas covered are credit card traps, keeping on track to pay your bills, handling your checkbook, the price of gas, identity theft, catching up on retirement planning, what to do if you receive a lay off notice from your job, checking your credit report and talking about finances if you are planning to get married. These are just a few of the topics. There are many more.

The first topic covered is Don’t Get Caught Up in The Credit Card Trap, Stop Yourself Before That Happens. This is a very important chapter for everyone to read because it is so easy for this to happen in tough economic times. The author offers several excellent tips to help anyone who has this problem. It is clearly explained why it is so important for you to pay down the credit card debt.

Another important topic covered is How Do I Keep On Track to Pay My Bills on Time. The author gives the reader some tips on creating a budget and keeping track of your income and expenditures.

How do you survive the high cost of gas? We all know, not long ago the price of gas kept soaring. The author gives us many tips on how to save money by doing some simple things like consolidating trips just to name one of the pointers. There are many tips mentioned that I never thought of myself.

How do you establish your credit if you are young and just starting out on a job? Nocita Carter tells you exactly how to go about doing this.

Do you think you can save any money by just saving your change? This is one of the tips made by the author. I can personally vouch for this one because each day when I purchase an item, I take the change and add it to an old coffee can. After a few months, it gets quite full. I am always surprised by the amount of money I saved from my loose change.

I could go on and on with each chapter because there are so many good points in this book but I think you get the message and would get more out of Personal Finance Tips for You if you purchase it and read it yourself.

There are several aspects of this book that I really liked. It is written in language that is very easy to understand. It is not like some of the other books on finance that require you to have a dictionary by your side as you read. The book is very organized. Each chapter starts with an introduction to explain the topic. Once that is done, the author lists several tips to help the reader accomplish these tasks. Nocita Carter has written this book in a manner that makes the reader feel like they have a personal finance expert right there beside them. Personal Finance Tips For You is recommended for any age. It will be a valuable tool for younger people who are starting their first job. On the other hand, one is never too old to find something they did not know in this book. After reading this book, I learned quite a few tips to help me with my finances. You will find this an excellent resource guide to keep by your side at all times.

By: Nancy Eaton

About the Author:
Nancy Eaton – Owner of:
http://www.bestsellersworld.com
This site has book reviews, book giveaways and a book discussion forum.



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28Jan

Instant Money Loans

Filed Under: Personal Finance    by: admin

A rapid cash loan is an online payday loan that offers credit services just like any other lending corporation.  Essentially they provide an advance way of providing their customer the most productive and fast service in the industry of financing.  They are nontraditional credit service.  This service spares you from arming yourself with mountainous documents just for you to qualify for the said money advances.

Your destiny doesn’t rely on the assessing staffs that gets you perturbed but to the power of your paycheck.  When we talked about instant Missouri cash loans, we simply do not deal with standard credit service.  These companies don’t succumb to traditional way of providing loans.  With the help of web portals, many cash advance company considers the ease of their clients as well as providing them fast and efficient service.  Many people especially those that in great need of immediate money preferred the online fast money service.  So if you’d like to make an application for instant cash check out their different online portals.

At Missouri Instant cash loans you can sign up for cash advances of nearly $1000 without worrying about your credit history.  No credit score is checked to ease the clients worry that it will have an impact on their loan application.  Thus more individuals are given the possibility and chance to obtain cash from the company.  When your application is authorized the funds will be deposited at once to your account.

This is indeed a stress, worry and trouble free way of obtaining funds and you can also apply at the comfort of your home or office.  Instant cash loans is accepted and recognized in 36 states.  You can avail of their $1000 fast money as long as you qualify.  It allows and spares borrowers from further embarrassment, hassles and stress through their no credit score enquiry.  Since the company offers an online application, it would be simple for you to file your request as quickly as 5 minutes or less.

This company operates as an online service that helps individual borrower in search for advance paycheck help.  Their partnership with pay day loan corporations is highly protective of your right to privacy, providing you with fast and convenient cash loans.  You do not need to wait for ages before your request gets authorized, in less than twenty-four hours you can use the loaned amount that will be deposited to your account.

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20Jan

Personal Finance Discussed in Simple Terms

Filed Under: Personal Finance    by: admin


There’s nothing complicated with personal finance. Some creditors actually like keeping their clients confused, so that they’ll be given the “advantage” of charging you higher rates and granting unfair terms. You don’t want to be manipulated like a puppet, right? So to avoid that type of situation, here’s what you need to know: personal finance is in some sense the “funding of one’s activities, needs and wants”. As we all know, money DOES make the world go round, materialistically speaking. Almost everything you see packs financial value. With money, you can buy almost EVERYTHING you want, even love (shame on those who do).

Personal finance may come in two types, the first being secured personal finance – how does it work? It does so by allowing you to borrow a certain amount of cash, but in order for you to get approved for this type of service, they’ll need you to put up collateral. Collateral is their insurance policy that you’ll payback the amount of dough you borrowed, because if you default the payments, they’ll be forced to take the asset/s you put up as collateral. Here you’re taking a risk (the loss of your asset/s), but in return, they compensate you – how you ask? Well they’ll be offering you a lower interest rate on the loan, grant a longer payback period, and have “flexible” terms.

But what if you don’t own any valid assets whatsoever, and live with your mom? Or you do have the assets to put up as collateral, but don’t have the balls to risk losing it to the lending company? If you’re that kinda guy, no problem with that, because there’s such a thing as unsecured personal finance. This variation works by allowing you to borrow cash from the financial institution you’ve plans of borrowing from without risking repossession of your “goods”. They can’t take anything away from you, if you didn’t give them anything to take from you in the first place, now can they? What that means for you is you’re left with no “risk”.

That also means that the company you loan from takes a risk when they lend you a certain amount. So as to compensate for the risk they take in trusting you, they’ll have to charge you higher interest rates, a shorter payback period, and terms that aren’t bent so easily (unbreakable even). Which ever of the two you choose, it’s entirely up to you – I ain’t your mama telling what you need or have to do. When you do get approved, you can do whatever you want with the sum you’ve borrowed (legal of course) – not so sure on what to spend it on? Then allow me to give you some ideas: you could use the dough to finance the education of your child.

Or you could use it to restore or improve the beat up shack which has been crumbling for years you live in. Getting a paint job might be able to cover all of its needs, but if you’ve got the cash, why not remodel it? Paying the bills or going on a vacation are other of many options you can use the loan pulled off for. For a more complete list of lenders to borrow from, check out the web – online lending companies can offer some of the best rates and terms there is to date.

By: Rick Goldfeller

About the Author:
The author of this article Rick Goldfeller is an underground Financial Analyst who has been successfully running campaigns for several wealthy clients. Rick finally decided to go public and share his knowledge and experience through his website http://www.finanzine.com. You can sign up for his free newsletter and join his coaching program.



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19Jan

Personal Finance Tip – Pay Cash For All Non-Investment Expenditures

Filed Under: Personal Finance    by: admin


Most personal finance gurus continually stress the importance of budgeting for monitoring and modifying poor spending habits. However, I have noticed that most people who attempt to implement a family budget eventually give up on the activity, mainly because it takes the fun out of spending money. You know what, I agree! An impulse purchase here and there feels good! And as it turns out, an impulse purchase made on occasion won’t necessarily create a big problem for most us. The problems arise when we decide to make them on credit. Here’s an excellent personal finance tip for all you budget-haters out there – pay cash for all non-investment expenditures and eliminate your need to budget.

What is a Non-Investment Expenditure Anyway?

First off, let’s define investment expenditure. By my own definition, an investment expenditure is a transaction that involves the purchase of an asset that appreciates in value. On the flip side, a non-investment expenditure represents all other transactions. One quick check you can make before whipping out your credit card to buy something is to ask yourself, “Is there a high likelihood that I will be able to sell this item in the future for more than I am paying now?” If the answer is “no,” pay cash. If you don’t have the money, you can’t make the purchase. It’s that simple.

Examples of Non-Investment Expenditures

Unfortunately, the vast majority of our everyday spending is classified as non-investment expenditures. Groceries, fuel for the vehicles, dining out, your cell phone bill, a new pair of designer jeans – these are all non-investment expenditures. Some of these items may be extremely important, even life sustaining. But purchasing on credit, even for life sustaining expenditures, encourages excess. Let’s take food, for instance. To purchase enough food for the family to survive really does not cost much money. What costs us a pile of money are the rib-eye steaks, junk food, alcoholic beverages, and sodas we routinely buy. Moreover, these foods are bad for our health! Grocery shopping with cash forces us to reconsider the food choices we make, in terms of both health and money. And that’s a good thing.

What Else is There?

You may be asking yourself, “Would any of my spending be classified as investment expenditures?” For me, two things come to mind – your home and your education. A home is rather obvious because, over time, houses have always increased in value. A college education would also be considered an investment because it provides one the opportunity to earn more money than he would otherwise make. Because these two items are considered investments, taking out a loan to pay for them can be justified. In addition, home mortgages and college loans offer some of the lowest interest rates of any form of credit, making them even more attractive expenditures.

One Caveat to Consider

Although following the above advice can eliminate the need for a budget, one other choice must be made to assure financial success in the future. An automatic investment plan must be initiated to make certain your investment accounts are funded before all the money is spent. If you work for a company that offers a 401k plan, this is done automatically. If you have outside accounts, you will have to notify the firm to initiate automatic transfers from your checking account. With most firms, you can set up the automatic transfers yourself from your online account interface.

Summary

Although a budget is a fantastic tool for monitoring and modifying our spending habits, the cold hard truth is that many of us will never stick to one. Should these folks be doomed to financial hell for the rest of their lives for this so-called lack of discipline? Of course, not! Just follow our simple personal finance tip to pay cash for all non-investment expenditures and you, too, will reach financial success in the future.

By: Charles Hebert

About the Author:
Charles Hebert invites you to visit his website, http://www.smartmoneyadvocate.com/, where he shares his views on a wide variety of personal finance topics. Through his website, he aims to improve the financial decision making of the average individual by advocating simple strategies that can be applied by anyone. You can sign up for his free ezine, “Personal Finance Savvy,” at: http://www.smartmoneyadvocate.com/EzineSignup.html.



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17Jan

The Philosophy Of Personal Finance

Filed Under: Personal Finance    by: admin


Eastern philosophy is based on the concept of balance. The symbol of Yin/Yang illustrates the theory. (If you can’t visualize this symbol, a Google search will lead you to several illustrations of the Yin/Yang.) Day and night, good and evil, pleasure and pain, inner strength and physical strength are examples of opposites that need each other in order to maintain equilibrium.

The approach commonly used in personal financial planning focuses on a rigid set of rules that works well in business budgeting but fails too often when used by individuals. In developing a business plan the primary day-to-day expenses, such as rent and utilities are identified first. Then the next level of expenses is listed, and so on. Having all expenses prioritized in this manner allows for a systematic reduction of expenses when income targets are not met.

Individuals are told to do something similar. Review all personal expenditures and categorize them into two categories, “needs” and “wants”, forming a table.

After you pay for all your “needs”, you can then decide which “wants” can be fulfilled with whatever money that’s left after the “needs” are paid for. People fail to meet their goals with this system for several reasons:

We live in an “instant gratification” society. We’re encouraged to buy now and pay later making the distinction between “needs” and “wants” difficult. The rigidity of partitioning all expenses in a table form is intimating requiring a level of discipline that few people have. No expense fits neatly into either category. For example, you can pay $500.00 a month in rent or $5,000.00 a month. There’s no question that you “need” a place to live but there certainly is a “want” component in determining how expensive a place you decide to live in.

Developing this table is an effective starting point; after all you can’t reach your goal of improving your financial health without knowing your current position. It’s from here is where the concept of balance comes into play.

Visualize Yin/Yang in your mind, the black half is your “needs” and the white is the “wants”. There is fluidity in the boundary between the two halves of the circle. The “needs” and “wants” of your life not only continually cross back and forth but will straddle the boundary.

It’s only after you recognize this fluidity can you focus on understanding what you need to do and begin to implement your changes.

If you’re serious about improving you personal finances you need to acknowledge that it’s going to take time. No major change in life happens overnight. It’s also not going to be easy and mistakes will be made. Is it surprising that oriental philosophy also holds perseverance in high esteem?

By: Don Romano

About the Author:
Don Romano, CMC is President of Shelter Rock Mortgage Corporation. For additional information please visit http://www.shelter-rock.com Questions or comments can be sent to Don@shelter-rock.com



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13Jan

All You Should Know Associated with Canada Student Loans

Filed Under: Personal Finance    by: admin

Canada student loans represent the main financial aid for post-secondary students that need to pay for their college studies. Financial aid programs are available only for Canadian citizens and permanent residents, as well as for persons with a protected status. Full-time students can receive interest-free loans for the complete period of their studies.

Canada student loans also extend to doctoral programs and the support for people with disabilities. Calculating the length of the studies and the maximum loan amount in comparison is very important in order to fully understand the extent of the program to which you can get access. Here is a clear example of how things stand.

For instance, the maximum graduate degree programs specific to the best Canada student loans cover 400 weeks. Yet, if we think that some people will need a BA, an MA and a PhD, the number of the academic years will be around 11. This means that many graduate students will discover that they no longer meet the criteria of eligibility for student loans. When the graduate exceeds the 400 week timeframe, he/she is expected to repay the loan and the interest accumulated during the period of full-time studies.

Once you graduate, you are good to pay, and this system applies to most Canada student loans. A solution may be the use of grants and scholarships as a supplementation for the loans, but you need to know where to look for such benefits. Carefully determine your needs before you apply for the loan. There are some maximum amounts of debt that can be accumulated by one student alone.

Thus, normally, Canada Student Loans can provide around 0 per week for full-time education. The sum does not exceed ,000 for part time studies. Further financial aid is available in each province depending on what grants are available.

As for repayment, the beneficiaries of Canada student loans can choose between a fixed interest rate or a floating interest rate. Financial difficulties can be encountered during the repayment period, but there are also various options meant to assist students go through the repayment more easily. You can apply for an interest relief when you are currently unemployed or have a too low income.

The interest relief is granted for a period ranging between 6 and 30 months. Another solution is the debt reduction in repayment that brings the monthly rate-plus-interest at an affordable level on the basis of the family income.

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13Jan

All You Have to Recognize Deals with BC Student Loans

Filed Under: Personal Finance    by: admin

BC student loans are a form of financial aid granted to British Columbia residents for postsecondary education. These programs represent a collaboration between Canada’s government and the provincial government of British Columbia. Both federal and provincial funds can thus be accessed with a simple application form. However, each government will have to receive the repayment individually. What are the conditions or eligibility criteria one has to meet in order to receive this kind of financial assistance?

– Permanent residents or Canadian citizens only can apply. The status of protected person also corresponds to the requirement.
– Enrollment with an eligible school is a primary condition.
– You must bring proof that you need financial aid.
– You must have satisfactory academic results.
– For people with former student loans, the credit ought to look good.
– You can’t exceed the maximum lifetime limit for funding.
– You are not eligible if your social insurance number begins with 0, 3 or 8.

The applications for BC student loans can be sent directly to the BCAid Bureau or online. It is important to complete all the application processes in time so that you can get the funds at the beginning of the educational program.

BC student loans are also available for part-time students but the application process is a bit different. Read more on this kind of financial assistance on the StudentAid BC website. In case you are eligible for other grants, bursaries or scholarships you have to file different applications. After the processing of your file, StudentAid BC sends a notification to inform you whether you have been approved for financial assistance or not.

Approved BC student loans require a further step for document processing. You will get lots of papers to read and sign together with the Mater British Columbia Student Loan Agreement. Everybody who receives a federal student loan for the first time should sign this document.Make sure you understand and agree with all terms.

BC student loans are operated on the basis of the loan agreement only after the confirmation of your identity. The enrollment with a postsecondary educational institution should also be confirmed. Then, your bank account gets credited. When under 19 years of age, you will need a guarantor.

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11Jan

Personal Finance Training for Young Adults

Filed Under: Personal Finance    by: admin


In many of my articles, I focus on young adults as my target audience. By young adults, I generally mean people between the ages of 18 and 35 years old. Why target this group? Quite simply, time is on their side when it comes to saving for retirement, and because of this fact, small changes in their spending habits can make a big impact on their investing results due to compound interest. When these numbers jump out and “surprise” a person for the good, that person is more likely to take action to get their personal finances in order. Therefore, in this article I wish to provide basic personal finance training aimed directly at young adults, with the hope of positively impacting their financial futures.

Start a Roth IRA ASAP

Unlike a traditional IRA and 401k which are income tax deferred, the Roth IRA features contributions that are taxed in the year they are made, while gains and withdrawals are never taxed. Therefore, the best time to contribute to a Roth IRA is when your income is low. When are our incomes typically at their lowest point? While we are young adults, of course. As long as you have earned income, an individual can contribute to a Roth IRA up to the amount of his/her earned income or $4,000 (increases to $5,000 in 2008), whichever is less. For a married couple, both spouses can each contribute up to $4,000 for a total of $8,000 (increases to $10,000 in 2008). Think of it this way, some part-time workers don’t even pay income tax, due to their low income coupled with qualifying deductions. In such a case you could actually make Roth IRA contributions which would not be taxed, and the account would never be taxed. Pretty sweet deal!

Gradually Ramp Up Your Lifestyle Over Time

Some people make the mistake after graduating from college of buying a really expensive car, I guess as a reward to themselves for all of the hard work they put forth to earn their diploma. This is absolutely one of the worst, albeit most common, mistakes young adults make. Why? Because after buying a BMW at 22 years old, do you think we’ll buy a Honda or a Mercedes at 25? Of course, we’ll buy the Mercedes because we don’t want to go backwards on the “perceived” quality scale. The point is, it’s a good idea to hold back a little on the quality we demand as young adults because our taste will probably only get more expensive as we grow older. In other words, making a less expensive purchase as a young adult translates into a lifetime of less expensive purchases, even while steadily moving forward on the “perceived” quality scale throughout.

Base-Load Your Investment Accounts

Another trick to take advantage of while still a young adult is to base-load your investment accounts. By base-loading, I mean contributing a larger than normal amount to your accounts at the beginning of your investment career and little to none the rest of the way. This advice works great if you take advantage of it before you are married with kids and have a mortgage. Before you walk down the aisle and start a family, your expenses are typically low, so you are able to put some of your excess cash to work. That way when you do take the plunge, you can cut back or even eliminate investment contributions altogether, and it won’t even matter. For example, say at 22 years old you start contributing the maximum of $4,000 per year to a Roth IRA and continue until you are 30, at which time you decide to get married and start a family. Because running a household and raising a family can get expensive, you halt all contributions to your Roth IRA from this point forward. However, you allow the contributions you have already made to continue compounding. If we assume the Roth IRA compounds at 10% per year, how much will your account be worth when you reach 65? Surprise, nearly $1.3 million dollars! Pretty amazing.

Summary

Young adults have a distinct advantage over the rest of us because they still have the most valuable resource of all on their side – time. Making wise financial decisions early in life sets the stage for financial success during your retirement years. Hopefully, my simplistic personal finance training offered here will inspire young adults to take action now so they will be able to reap the benefits in the future.

By: Charles Hebert

About the Author:
Charles Hebert shares his views on personal finances from his website, Smart Money Advocate, which advocates simple strategies for achieving financial success.



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