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Your clothes were made in a sweatshop. They were made by a young woman, poorly paid, who was nonetheless excited to have the opportunity to make them. Her alternative, her life without making them; that would have been much worse.
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Articles in Personal Finance

6 Daily Habits of the Successful & Rich You Should Be Adopting

Author Thomas Corley once conducted a five-year research on the daily habits of the rich and poor. His findings were quickly gobbled up by readers, turning Rich Habits—the Daily Success Habits of Wealthy Individuals to best-seller status.
Corley interviewed 233 wealthy …

Secure Online Shopping With PayPal: 7 Tips To Protect Your Money

PayPal is an impressive service that more and more shoppers and retailers are using for online transactions. For readers new to PayPal altogether, it’s a service used to send transactions over the internet. It can be used by friends and …

Investing Money: Can You Buy Insrurance To Protect Your Investment?

On the window of your bank, there is almost surely a sign saying that it is “FDIC Insured”. This means that no matter how terrible investments your banks makes you won’t lose your money as long as you’re under the …

0% Interest Rates: Is It Really Free Money?

A couple of years ago, I unfortunately dropped a large item of furniture on my laptop and broke the screen. After declaring it unrepairable, this meant one thing: I was in the market for a new laptop. I spent a …

Retirement Planning: 6 Retirement Account Types For Your Pension Plan

We’ve all seen the dire predictions about the future of programs like Social Security and Medicare–there will be a lot more dollars going out than coming in, and more retirees than workers, according to some estimates. This means that those …

Credit Card Debt or Mortgage Payments: Which One Should You Cover First When You Have Extra Income?

Interest rates, though ticking up a bit recently, have been stuck at exceptionally low levels for years. Some of the key indicators are close to or even below zero, after accounting for inflation. While savings accounts never pay very much, …

Wealth Management: How To Become Rich Even With A Low Income

You’re already well into your career and you haven’t hit it big with any job opportunities yet. You’re not the CEO of a company, you haven’t invented anything that will make you millions, and none of these things seem to …

Credit Card Balance Transfers: How Can You Use Them To Save Money?

Balance transfers are one of the most enticing offers that a credit card company will send you. 0% interest rates are common, and for many of us the offer can be too attractive to turn down. How then to make …

Interest Rates: Why Are They Increasing and How To Use Them To Save Money

For the last few years, interest rates have been at historic lows. How low? Well, after adjusting for inflation, the US government is currently selling 5-year bonds at negative interest rates. This is like you borrowing $100 from a friend …

Saving, Spending, and Credit: Teaching Your Kids About Money

Everyone knows that kids are expensive, and you expect that they’ll be so when you assume the role of parenthood. While there are certainly some expenses that you just won’t be able to avoid throughout parenthood, there is some financial …

Renters Insurance: Does It Protect You From Theft or Accidents? Find Out What It Covers!

In an era of natural disasters and valuable electronics, its more important than ever to have renters insurance to protect your things. What if someone breaks into your apartment and steals your $1000 computer? What if your careless landlord fails …

Landlord Security Deposit: How To Make Sure You Get Your Money Back

Some of my friends recently moved out of their apartment and were shocked when a month later their landlord refused to give them any of their $2000 security deposit back. True, they had lived in the apartment for several years, …

Garage Sale Tips: 9 Ways to Make More Money

Late July and early August is one of the most popular times for people to move out of rented houses and apartments and into new ones. Whether you’re a recent college graduate moving to a new city to start your …

Credit Card Debt Help: Advice That Will Let You Pay Off Your Visa

In periods of stress–job loss, post-graduation unemployment, following an illness or injury–cash flow troubles mean that the credit card bills are piling up. In addition to the Visa or Mastercard, your department store card has a balance from your interview …

Retirement Savings Scams: How to Protect Seniors from Fraud

Seniors are easy targets for unscrupulous financial capers simply because they are perceived as having that bounty of a retirement money. With the way how retirement savings now become a high-profile issue by marketing and investment firms, scammers have a …

Top Money Problems of American Seniors: How Retirees Deal With Debt?

The financial problems of senior citizens around the world persist, with the aging population remaining among the poorest demographic in many countries. In the United States, the plight of retirees in debt is no different, characterized by surging loans, decreasing …

A Guide to Debit, Credit and Prepaid Cards – Which Are The Safest?

Today the average American has an average of three credit cards, a couple of debit cards, and some prepaid cards in their wallet. If you’re one of these people you may be looking for some guidance as to which methods …

Are You in Financial Stress? Here are 10 Ways to Beat Your Money Worries

Before money stress beats you, beat it with these ten simple tricks that you can do in a flash.
Do you often wake up in the middle of the night with goosebumps because of money problems? And anxiety is eating you …

401(k) and 403(b): 4 Good Reasons to Leave Your Retirement Fund Alone

When you’re in a rough patch and at your wit’s end on where to get the extra cash for that something which you just can’t do without, your retirement fund might be the most tempting nest from which to pick …

Improve Your Saving, Earning and Spending IQ With These Money Intelligence Boosters

Money is a must-have for all seasons. Be it winter, spring, summer or fall, we all have spending necessities to take care of, at the same time, the pursuit to earn and save continue. This means that improving one’s money …

Woman Sole Breawinners: 6 Tips You Should Know To Get Back On Your Feet

More women are becoming sole breadwinners as the male-dominated manufacturing sector is hit by outsourcing and the recent recession. With women making half of the working population according to recent U.S. Bureau of Labor statistics, more women are also finding …

High Interest Emergency Loans: 10 Alternatives You Should Know

Emergency loans can be a life-saver or the total opposite, depending on the nature of the emergency and from what source the much needed money will come from. Since emergency entails looking for the money first (to urgently address the …

How Saving Money Can Save Your Health

Why save money?
Life savings keeps your head above water during choppy times and through the unchartered waters of retirement. Moreover, life savings doesn’t just literally save life; it’s your safety net to keep you and your family healthy through thick …

Loan Interests and Penalties: Understanding Your Debt Payments

Despite basic knowledge on interest payments on loans and debts, many individuals still wail over the so-called “evils” of interest payments whenever a billing statement for a loan takeout arrives and they see the outstanding balance and periodic payment required.
How …

Money Tips and Life Advice from The World’s Richest Women

While men and women may have different views about wealth accumulation and specific money aspects like spending and savings, the difference may lie only on how their messages are said or shared, with perhaps women possessing a higher level of …

Debt Repayment Tips that Work from Real-Life Debt Winners

Do you sometimes feel that debt repayment is robbing you of your dreams? So do millions of other people who work hard but seems farther apart from their life goals. This is because the chunk of hard-earned money goes into …

How Much to Save, Why and Where – Tips To Stay Safe In a Money Emergency

How much to save to make sure you can live decently when emergencies arise? Why do you need to save, in fact; and where do you put your life savings?
When the ship sinks you better have a line to hang …

Stop Accrued Debt and Start a Debt-free Life in 5 Easy Steps

Debts pile up when you spend more than your means, and your regular cash inflow (like income) cannot replenish what has been spent, resulting in a deficit in your overall money stash. If this continue (payments more than income), you …

Bad Debt Myths Debunked: Do Good Debts Exist?

Some financial literature differentiate between good debt and bad debt, like a student loan is considered a good debt while a credit card is considered a bad debt. These quick generalizations may be simplistic, if not unfairly analyzed, since the …

Loan Co-Signor: How To Protect Yourself From The Risks

Many relationships, from close family members to great friends have been strained because of misunderstandings and fights arising from troubles of being a co-signor in a loan. Indeed, agreeing to be a loan co-signor involves a lot of financial, legal …