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December 18 2011

Top Foreign Holder of U.S. Treasury Bonds

November 10 2011


November 02 2011


"Greece Referendum Makes Sense Politically"

October 30 2011

Väestön Ikäjakauma Euromaissa

October 27 2011


October 25 2011

Tags: reuters feed news

Control Your Personal Finance

Taking Control of Your Personal Finance Money seems to be a hard thing to keep track of. One minute it is there, then the next minute, it is gone into oblivion. While money tends to be as slippery as a wet bar of soap, there are ways to keep track of it rather well. When it comes to keeping track of your personal finances there are numerous helpful ways to do so. This article discusses the ins and outs of keeping track of your money and allowing your personal finances some stability.
TIP! Buy breakfast cereal in the big plastic bags. They are usually located on the opposite side of the grocery isle from the boxed cereal.
Try to concentrate your loans into one simple one to reinforce your personal monetary goal. Not only can this make keeping track of where all your money is going, but also it gives you the added bonus of not having to pay interest rates to a variety of places. One simple interest rate beats four to five interest rates at other places.
TIP! Use the store brand instead of the national brand. Much of the cost of the more expensive groceries and other household goods goes to fund the advertising for those products.
Be cautious when loaning money to your children or grandchildren and consider offering the money as a gift instead. Before you loan any money to a family member, you should think about the consequences if the money is never repaid. Remember, loans between family members often cause a lot of arguments. When it comes to paying off your loans and credit card balances, always try to pay as much over the monthly minimum as is possible. While this may decrease your amount of free cash every month, it will ultimately result in significant increases in savings over a period of many months or a year.
TIP! In order to manage your personal finances properly, it is crucial to establish and maintain a monthly budget. This budget should contain line items for everyday expenses and revenue streams.
Banks offer two different types of loans: fixed and variable interest rate loans. Try to avoid variable interest rate loans at any cost as they can turn into a disaster. Fixed rate loans will have the same interest rate throughout the loan's life. The interest rate of the variable rate loans and their monthly payments change either by following the fluctuations of the market or the contract between the bank and the borrower. The monthly payment can easily reach a level the borrower can't afford.
Keep up with your bills to have better personal finance. Many times people will pay part of a bill, and this gives the company the ability to tack on expensive late fees. By paying your bills on time, it can actually bring up your credit score, and put a few extra dollars in your pocket in the end. Before one is about to buy a car, house, or any high cost item that one will have to make payments on. By looking at the payments one will have to make on their purchase before purchasing they can make an educated decision on if they can afford it reasonably. This will ensure credit stays optimal.
TIP! After you've developed a clear cut budget, then develop a savings plan. Say you spend 75% of your income on bills, leaving 25%.
If you like to use a credit card, make sure you are using one that offers rewards. You can earn things like cash back, or you can pick out items in a catalog. These can be great presents to give to people for birthdays or holidays. If you're looking to afford a specific item, like a new couch, car, or computer, it can be helpful to save up yourself rather than buying it on credit. Not only is this cheaper, but it protects you from debt. Try making a separate bank account and putting a certain amount in each month, and then buying the item when you have enough. As we have discovered, money is not easy to keep in grasp. It seems as soon as we have money, we do not have it long. However, with the aforementioned money saving tips in this article, your money will not escape your account unnoticed. Personal finance will be a subject of ease once you apply these tips to your budget!

October 11 2011


October 09 2011

Quantitative Easing

October 07 2011

1516 41c5 500
USA:n jättiläisrahoitusinstituutiot

September 28 2011

PIIGS-maiden eli Portugalin, Irlannin, Italian, Kreikan ja Espanjan valtiot, kunnat, pankit, yritykset ja kansalaiset ovat toisten EU-maiden pankeille velkaa tuhansia miljardeja euroja...

September 27 2011

Aamulla 26.9.2011 oli Iltalehdessä (iltalehti.fi) kiinnostava uutinen EKP:n 2,6 miljardin euron roskalainan ostoista. Suomea edusti arvostettu talousasiantuntija Erkki Liikanen (sd).
Tästä operaatiosta ei kerrottu eduskunnalle.

Tämä ansiokas Timo Hakkaraisen reportaasi haudattiin talousosion pohjille aamupäivän tunteina. Aikamoinen pudotus pääsivun ykkösuutisesta, johon oli saatu Ben Zyskowiczinkin kommentti: "Kyllä se on ihan totta. Ne päätökset on tehty Euroopan keskuspankkijärjestelmässä itsenäisesti."
Muut lehdet vaikenivat jutusta aivan tyystin.

September 21 2011

Euroopan pankkien stressitestit vitsi
Jim Chanosin, Kynikos Associates hedge fundin perustajan mielestä stressitestit jotka Euroopan pankeille viime vuonna tehtiin ovat vitsi. 

September 16 2011

Debt Management Help

Credit debt has a way of finding its way up on us if we let it. It's important to keep our personal debt at reasonable and manageable levels, or we could end up having ridiculous interest charges and scraping to make our payments. Even for those who can manage debt OK, unpredicted life changes can result in difficulty making ends meet.

When we find ourselves having problems with consumer debt, the first course of action is to take a look at the budget. Finding ways to cut back on unneeded expenditures can help us pay down credit debts and keep monthly bills current. But what manifests when we can't resolve our personal debt problems with budgeting?

Often we need outside help. It's hard to go to someone else when you're having troubles with cash, but if you don't gain control over your credit card debts, your credit rating will suffer. So it is very important to take charge before it's too late.

Some borrowers turn to personal debt loan consolidation as an answer to debt problems. They transfer high-interest personal debts to a lower interest credit card, or they put up the equity in their addresses to get the money to pay them off. While these choices can provide lower payments, they are not without problems. Closing quite a few accounts and putting all of your credit card debt into one account can negatively affect your proportion of consumer debt to obtainable credit, lowering your credit score. And if you use your flat equity to secure the funds needed to pay off debt, you 're putting your house at an unwanted risk.

Another popular option for those with credit card debt problems is credit counseling. Credit guidance agencies offer help with budgeting, and in some cases, they will set you up with a credit card debt management plan. A personal debt management plan consists of negotiation with lenders to attain lower interest rates and lower payments. The borrower makes one monthly payment to the credit guidance agency, and the agent forwards payments to each lender.

A consumer debt management plan can help you get out of credit card debt quicker, but it can also impact your credit. A note is added to your credit report stating that you are going through credit counselling. This means that you can't get new credit. On the other hand, the notation is removed once you've paid off your financial debts.

It's also important to make sure you're dealing with a respectable credit counseling agency. Some charge high charges or fail to make payments to creditors on time. There have also been some that were found to be downright frauds, keeping the hard earned cash that debtors sent them to pay their bills with.

An overabundance of consumer debt can wreak chaos on our funds and our credit scores. It can also be the cause of unnecessary stress. By seeking debt management help at the first sign of trouble, we can frequently keep our loans from spiraling out of control.

September 14 2011


101-Year-Old Woman Evicted From Home After Son Fails To Pay Mortgage!

September 10 2011

Modern Money Mechanics

September 03 2011

Pikavippi Verboten
Sampsa Kataja (varapuheenjohtaja, kokoomus) haluaa kieltää pikavipit täydellisesti. Hän on pohtinut pikavippien haittoja ja hyötyjä kansantaloudellisista ja henkilökohtaisista perspektiiveistä ja on päätynyt pikalainoituksen kokonaisvaltaiseen kieltoon. Kevytmielisen velkaantumisen ylitsepääsemättömät houkutukset ajavat yksilön maksukyvyttömyyden suonsilmään.

Pikavipit määritellään nopeasti saataviksi, pienehköiksi ja lyhytaikaisiksi lainoiksi, joiden hakuprosessi tapahtuu joko tekstiviestin tai internetin välityksellä.

September 01 2011


August 29 2011


August 25 2011

Fainting Bankers of Wall Street in Keiser Report
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