15 Shocking Reasons Why Ones 401(k) May Be Your Riskiest Expense

Financial institutions have a distinct master for marketing. They are able to obtain millions of Americans to hand above their money with very little imagined taken, very little knowledge of the so-called investments offered, and even much less control of their investments. Once the evidence is plainly introduced, it becomes overwhelmingly clear of which putting [...]

Source: http://www.legaldebthelponline.com/2011/08/21/15-shocking-reasons-why-ones-401k-may-be-your-riskiest-expense/

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15 Shocking Reasons Why Ones 401(k) May Be Your Riskiest Expense

Financial institutions have a distinct master for marketing. They are able to obtain millions of Americans to hand above their money with very little imagined taken, very little knowledge of the so-called investments offered, and even much less control of their investments. Once the evidence is plainly introduced, it becomes overwhelmingly clear of which putting [...]

Source: http://www.legaldebthelponline.com/2011/08/21/15-shocking-reasons-why-ones-401k-may-be-your-riskiest-expense/

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Dave's Tips On Goal Setting

It?s the start of the new year, which means it?s time to set goals.

?Wait,? you may be saying. ?The start of the new year? It?s almost September, for crying out loud!?

Exactly. Dave refers to this time on the calendar as the ?second new year.? The kids are back in school, and it?s a great time for a fresh start. Here?s what Dave had to say recently about the importance of goals on The Dave Ramsey Show.

Goals are empty with no dream behind them. They need fuel. Saying you want to save $1,000 is nice, but there?s no emotion behind it. Nothing is flaring up inside you and motivating you to attack. That changes when you combine your goal with your dream. Saving a thousand bucks so you can go on a big fancy vacation next spring puts that fire in your gut and gets you moving.

There?s a reason that the label on fireworks says ?light and get away.? Because when that wick starts burning, it?s about to blow! Combining your goal and your dream is like placing a match to a wick. Once it happens ? watch out.

Get excited about setting goals and take the first steps toward your dreams. The audio clip of Dave?s talk is a good place to start.

Click to hear Dave talk about goals.

 

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Source: http://www.daveramsey.com/article/daves-tips-on-goal-setting/lifeandmoney_goalsetting

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Is Debt Making You Sick? Bankruptcy May Offer A Cure

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As the financial pressure on Americans continues to mount, many are finding their health is at risk. A study on Americans in debt found that as much as 60 percent skipped meals because of a lack of money, while 48 percent failed to buy necessary prescription medication because they couldn't afford it. Such behavior can have a negative impact on health.

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Source: http://ezinearticles.com/6514762

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STUDY: Ambitious Goals Make You Happier


Ambition

As if you needed another reason to aim high: Ambition makes you happier, says new research.

People who set themselves ambitious goals tend to be more satisfied than those with lower expectations, says a study published online in the Journal of Consumer Research. (It will appear in the December print edition.)

University of California-Riverside professor Cecile K. Cho conducted two experiments, one involving stock-picking and another involving puzzles, to compare people who set ambitious goals to those who set more conservative goals. She then measured the level of satisfaction with the achieved goals, and found those who set high goals for themselves were happier in the long run.

"The moral of the story is don’t sell yourself short," Cho said. "Aim high."

Heidi G. Halvorson Ph.D., a social psychologist and the author of Succeed: How We Can Reach Our Goals (and who was not involved in the study) says the results are consistent with research on personal and professional goal-setting.

People set goals with two factors in mind: expectancy and value, she says. "Expectancy" refers to how likely you believe you are to succeed, and "value" refers to how good it will be for you if you do reach the goal.

"Safe bets, generally speaking, are less valuable ones," she says. "So once you've achieved the relatively easy goal, it's only natural to think about what it's cost you in terms of value"and that's going to reduce your satisfaction."

In Cho's first experiment, 134 participants were asked to set a target rate of return that they would be satisfied with and asked to pick from the range of six to 20 percent. Low goal setters were defined as those who set the rate at 14 percent or lower. High goal setters were those who set the rate at more than 14 percent.

Participants were then asked to allocate a $5,400 budget by picking three of 20 fictitious stocks. After 10 minutes, they received the return of their stock portfolio so it matched their goal. Participants were led to believe their stock allocation had been entered into a database to get actual returns. They were then asked how satisfied they were with the returns.

The puzzles experiment produced similar results.

What's the ideal goal to set? People who only think about the value of their goal and not the odds of actually being successful "aren't going to be any happier in the long run," advises Halvorson. "It's about stretching yourself and aiming high, while still hanging on to a bit of realism.  That's going to give you the most satisfaction, the most bang for your goal-setting buck.

This post originally appeared at Inc.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/hqx6rrYUE4o/study-ambitious-goals-make-you-happier-2011-8

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5 Tips That Can Help College Students to Have a Good Financial Life

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College is the best time to incur good financial habits. This article talks about 5 important tips that can help college students lead a good financial life in future.

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Source: http://ezinearticles.com/6491191

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5 Tips That Can Help College Students to Have a Good Financial Life

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College is the best time to incur good financial habits. This article talks about 5 important tips that can help college students lead a good financial life in future.

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Source: http://ezinearticles.com/6491191

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Credit card debt Settlement Leads Assist you to Acquire Enterprise Opportunities

With all the change in your debt pay out business, people are feeling the warmth to be in their debts. It is difficult to adapt with the altering economic system patterns as well as procedures combined with the foibles regarding debt negotiation. Irrespective of, the amount of guidelines modify or even fresh procedures happen to [...]

Source: http://www.legaldebthelponline.com/2011/08/22/credit-card-debt-settlement-leads-assist-you-to-acquire-enterprise-opportunities/

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Credit card debt Settlement Leads Assist you to Acquire Enterprise Opportunities

With all the change in your debt pay out business, people are feeling the warmth to be in their debts. It is difficult to adapt with the altering economic system patterns as well as procedures combined with the foibles regarding debt negotiation. Irrespective of, the amount of guidelines modify or even fresh procedures happen to [...]

Source: http://www.legaldebthelponline.com/2011/08/22/credit-card-debt-settlement-leads-assist-you-to-acquire-enterprise-opportunities/

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