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AFTER BANKRUPTCY: APPLYING FOR CREDIT
Many people who have filed bankruptcy in the past apply for credit the wrong way.
They fill out a credit application and hope for the best. Best case, they probably end up paying a lot more in interest and finance charges - hundreds or even...
Business Meeting Etiquette
Business etiquette is essentially about building relationships with colleagues, clients or customers. In the business world, it is these people that can influence your success or failure. Etiquette, and in particular business etiquette, is...
Can Credit Counseling Really Help?
If you have high debt, and are in trouble, you have probably
heard the term "credit counseling," but do you understand what
it is? Oftentimes this term is used in the same sentence as debt
negotiation or debt settlement, but actually, it's a...
First Time Buyer's guide
Buying your first home can be a difficult time, especially in these days of high house prices, and low job security. But don't despair, www.mortgagedown.com have prepared a few top tips to make the process as painless as possible for you! * Get an...
Online Business Broker: Stress Free Help Selling Your Business
You've spent several months, perhaps years, putting everything you have into building a thriving, high-demand online business and now you have decided to sell your baby.
Thousands of businesses change hands everyday, oddly enough the...
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Your Financial Future
"Wonder is the foundation of all philosophy, inquiry the progress, ignorance the end!" Michel de Montaigne (1533 - 1592)
Financial independence is one of the most important goals for most people. Yet people sometimes miss the opportunity to become financially independent because they avoid making decisions and taking action to influence their financial well being. Sometimes they may not know what action to take. At other times, they simply procrastinate.
Understanding and evaluating where you stand today in terms of your finances is the first step in taking action and developing any sound investment plan.
You have to determine your net worth (your assets minus your liabilities) and what percentage of your resources you can apply to meeting your financial goals.
Net worth is the main measurement of your wealth. The best ways to increase your net worth are to increase your assets and to reduce your debts.
The other number to look at in evaluating your financial situation is your net income (your gross income minus your expenses).
Try tracking all of your expenses and gross income for several months. The results will help you to determine where your current income comes from and where it goes. This information can help you better budget your
spending and decide how much money you can set aside for meeting future needs and goals.
Many people find they are spending more than they bring in. It's difficult to increase your net worth in order to meet your financial goals, if you are constantly falling behind on the income front.
Most causes of overspending can be resolved through the use of a budget. By setting up an annual budget can help you prioritize and limit your expenses and in the same time uncover ways to free up more money to use for savings and investments.
Above all, remember that arriving at a workable financial strategy is a negotiation process. It's very healthy to admit who you are when it comes to money! Too often people try to give up who they are and it backfires.
You need to know what you can't give up, as well as what you wouldn't mind giving up.
About the Author
Copyright © 2005 Ioannis - Evangelos (Akis) C. Haramis
haramis@greekshares.com
http://www.greekshares.com
Ioannis - Evangelos (Akis) C. Haramis was born in Athens, Greece in 1951. He studied in Greece, in USA and in Belgium and has been active in the stock markets since 1972. Since 2002 he is New Business Development Managing Director at an Investment Bank and the editor of http://www.greekshares.com
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| Negotiation - Wikipedia, the free encyclopedia |
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| :: Negotiations Affairs Department :: |
| Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
| www.nad-plo.org |
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