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Finance
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Australian Property Investor |
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Planning to buy a home or investment property? Find out where's hot and where's not with Australia's monthly magazine for home buyers and property investors. Contents include hot suburbs, market commentary, median house price and rental statistics, tips, |
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SMSF |
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The first dedicated publication for professionals advising on self managed superannuation funds, whether they are accountants, lawyers or advisers. The magazine aims to cover the realm of issues confronting the industry with news, features and regular con |
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Super Review |
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Super Review is the only CAB audited news and issues magazine dedicated to servicing all segments of Australia's superannuation and investment industry. It contains in-depth coverage of an important industry undergoing significant changes, looking at the |
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101 Investment Lessons Wizards of Wall Street |
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Free of technical jargon and suitable for all investors who want to reap the rewards of our phenomenal bull market |
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Money Management |
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Money Management is the market leading independent newspaper for the retail financial services industry. Launched in 1987, it continues to be the "bible" of personal investment professionals, and is the medium within which fund managers communicate to the |
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Controlling Your Finances
By: Christian Tylor
A person's finances are one thing that determines the way they live. It
determines your lifestyle such as what type of car you drive or the area in
which you live. Controlling your finances is a very important part of a person's
life.
Since just about everyone has a checking account it is important to know how to
keep that account balanced properly. If you do not keep a close eye on your
account then it could end up costing you a lot of extra money. If you write one
check that you do not have enough to cover then it could spiral way out of
control.
You will be charged a fee for the insufficient funds which may cause another
check to be returned which causes more fees to be added on. This is one reason
for keeping a close eye on your checking account. It really isn't as hard as it
may seem you just need to remember to keep a record of everything you spend no
matter how small. Review your statements each month and compare them to your
records.
The next big step that most people take is by receiving credit cards. Yes it is
nice to be able to purchase items on credit, but you still have to pay for that
luxury and with an added interest fee. Therefore, you need to be careful how you
use your cards. This is very important when it comes to controlling your
finances. Try to limit them to purchases that can be paid off within the thirty
day period to avoid high interest rates. If you do owe a large balance then try
to pay extra each month, not just the minimum payment. The more you pay the more
money actually goes towards the balance saving you on interest. .
There are also a lot of smaller ways that you can help in controlling your
finances. For example, be careful and control any shopping sprees you may be
thinking about, even if it is for those Christmas presents. Phone bills can
sometime be quite a shock so if you are making long distance calls keep a record
so you will know how long you talk and how often. The same thing goes for cell
phones, so be careful not to go over your minutes as this can add up very
quickly.
Don't go in debt for large items such as automobiles if you are not financial
able to afford the payments. Be careful when investing in stocks and bonds make
sure you understand exactly what you are investing in and the amount of risk
involved. Following these tips can help you in controlling your finances.
About the Author:
Christian Tylor is a freelance publisher based in Atlanta, Georgia. He publishes
articles and reports in various ezines and provides financial resources on
www.freenetpublishing.com.
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