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Yossarian Smythe's Articles in Finance

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The Art of Dealing with Debt Collectors ANNOYED with calls from debt collecting agencies? Pressured perhaps or threatened? People who have accumulated obligations that have been remiss often suffer from frequent calls to pay up. The Business of Buying Debt WHILE most of us would want to get out of a debt mess, there is actually a lucrative business whose business is to “buy debt”. While collecting somebody else’s debt is already in itself a big business, buying debt is a much lucrative scheme. Banks versus Money Markets PEOPLE would often consider the banks as a depository institution, limited to the function of being a place where we can keep our money safe. Seldom do we find people who’d consider investing their money in banks because of its small interest rates. Calculators for Millionaires CALCULATORS and ledgers, regardless of its brand, have become the most sought after things that most millionaires in the United States have been keeping wherever they go. Choosing Your Fund Manager – The Right Way to Do It The fund manager is really the soul of the fund. The manager’s expertise in markets or industries the fund is exposed to is critical. This is the reason why it is important to try to look for one with a consistently high performance among its peer group for this actually reflects the manager’s investment skills despite market fluctuations. Planning for the Future - How It's Best Done Most people keep their hard-earned savings in bank accounts, but now more than ever, this practice is being questioned. The truth is that money sitting on deposit at the bank, according to experts, is a losing proposition. The Deal about Bankers’ Bonuses Many people believe that top bank executives today earn way too much. Nearly everyone is further enraged when these overpaid bankers appear to have made significant mistakes and have been blamed for their part in the collapse of the economy, and yet still get substantial bonuses. Warning Signs of a Recession Recession is the economic term used to describe a certain period of general slowdown in the economy. The last recession that happened in the US was back in 2001, although the extent of that recession is not comparable to the global recession happening today. Ways to Save Money during the Recession One good thing that has come out of the economic recession is that more people are seeing the need to become savers instead of borrowers. It’s because the recession has shaken our faith on the economy. Tactics Involved in Mis-Selling to the Elderly Seniors are often a target of mis-selling and other types of investment scams. Elderly people are a favorite among scam artists because they aren’t well informed about the intricacies of such financial products. Smart Banking: Avoiding Hidden Bank Charges & Other Fees All the information regarding the underhanded tactics that banks employ may have turned you off. You’re probably thinking you should do away with banks altogether but before you make that decision, know that all you need is to get smart about your banking behavior, and you won’t have to deal with hidden fees or any other sneaky tricks. Mis-Sold Insurance: Don’t Pay for Protection You Won’t Get! The mis-selling of financial products has become rampant over the past few years with customer complaints ranging from misleading sales tactics to unfair provisions that ultimately mean you can’t ever claim on your policy. Mis-Selling Insurance and Other Questionable Sales Practices The dubious practices employed by insurance agents can significantly eat up your resources and even as the government has been cracking down on mis-selling and other shady tactics, it seems agents are getting bolder in their attempts to make a profit. Don’t Be a Victim of Mis-Selling The insurance industry has lately been rife with cases of mis-selling and scams have now extended to other financial and investment products as well. Many people may not be aware that they’re being scammed until a considerable amount of money has been taken from them. The Top 3 Personal Finance Books With all the fuss regarding the global financial crisis, personal finance and money are such scorching hot topics these days. It’s no wonder a lot of authors capitalize on this trend by publishing lots and lots of personal finance books. The Power of Change in Personal Finance It seems that change is the underlying theme in the American culture today. With the new administration in the White House and a fresh sense of “new” things to come, people are looking to change their old ways and move on to a new and perhaps better way of life. Stay Away From These Financial Services Now that the recession is in full force, there’s no denying that thousands of jobs are lost, hiring of new employees as well as salaries of old ones are frozen, and stock and housing markets are running significantly lower than they have in decades. How to Invest Wisely in This Bad Economy All anyone cares about today is finding the safest place to invest their money. The answer used to be in banks and the stock market, but after the catastrophic events in the past year, no one wants to put their money in those investments vehicles anymore. People are very skeptical nowadays. Have Yourself a Personal Financial Timeline Since day one of working as an employee, you’ve been working hard and disciplining yourself. You got promoted and experienced increases in your salary. You’re finally at the coveted position known as “in the black”, which means you now earn more than you spend. Four Easy Steps Towards Financial Freedom No matter how much people deny it, the job you have does not guarantee a stable financial life. Emergencies and accident happen, and they may not happen to you directly. Take the recent financial crisis for example; even the wealthiest and most careful professionals were victimized by it. How to Manage Your Monthly Cash Flow We all admire successful corporations. Why wouldn’t we? When it comes to managing their cash flow, successful companies are very meticulous. Even when these businesses are on rough roads The Ultimate 4-Step Guide in Recovering From the Recession The recent stock market crash and the recession that followed later were truly traumatic events. If you are among those whose investments and savings were destroyed by the economic downturn, do not despair.