As a blogger, you have to do social climbing. You have to interact with fellow bloggers. And in recognition to their outstanding efforts in the blogosphere for the year 2009, I am casting my votes for the Top 10 Emerging Influential Blogs for 2009 project of the influential blogger Janette Toral. I would like to reiterate that I was not influenced by any other form of campaign nor I was compensated for my nominations. These are my own choices as my entry to the project and I would state the

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You’ve been in the world of investing for some years as of now. But you haven’t reaped your desired returns. What lessons do you need to learn? What can you do for your money to work for you? Here are some of the principles of modern finance, which I got from the book that I read and can definitely be of help to you in investing your nest eggs wisely so as to avoid the worst financial blunders. These lessons can help you about your personal investment decisions. Lesson 1: Know your

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I was glad because I was recently contacted by someone from Good HouseKeeping Magazine of Summit Media to offer advise and tips for their Money Makeover piece. It was a piece requiring tips on the situations provided by their readers. Let me share to you two of the four questions I have answered. I cannot wait because they said that the issue where I will be featured will come out this coming month of July. So to all my readers, thank you for the continuous support. Let’s also watch

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Are you planning for your retirement? The earlier you plan, the more successful your plan will be. Retirement planning involves a lot of sacrifices, discipline and hard work. You want to live a good life in your golden years. What if you are about to retire in the next 10 years? But you haven’t save enough? Where do you start? Early retirement is the goal of many. Here are some of the simple advices to successfully enjoy the retirement of your dreams.   Estimate expenses. Take charge. Do a

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Quizzes are now becoming a lot more popular nowadays. In facebook, there are so many quiz applications from a quiz on your personality, moods, hairstyle, songs, movies, etc. Upon browsing Salve’s Money Smarts, I recently took up the Money Personality Test that I found. And the results are quite accurate as for me with regards to my personality on money. The results said that I am a “Micromanager”. What does it mean? Read the description below: Micromanagers love planning,

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Are you a frequent shopper in grocery and supermarkets? Do you want to save money while shopping in supermarkets buying the goods that you need from foods to other grocery items? With the current global financial crisis, we really need to do a lot of saving. We need to save our paychecks. We need to budget our money. And the latest money saving tips I will give is on how to save your money while doing your regular shopping in a supermarket.   These are some of the thrifty tips that could

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It’s not how much you earn but how much you are saving. No matter how high the amount you are earning, if you couldn’t just save, then your future will be dim. The ultimate goal is earn more and spend less. Don’t give in to the cultural temptation to buy more and more things you don’t need! In my earlier posts, I made an article on how to save more money by saving your monthly paychecks. Now, I’ll share some ways to spend less money in shopping. You can cut back on unnecessary

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In my last article on credit cards, indeed credit cards can be friends and allies in achieving financial freedom if you know how to use them properly. But without discipline, it can be your worst move to avail them as they can literally be a ‘blackhole’ that can drain your finances. Being in a good credit standing, I have received a lot of offers from credit card companies. Usually, I will be interrupted at work by credit card telemarketers and they will offer me various credit

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As the saying goes, “the early bird catches the worm”, one of the things that I learned in the journey towards financial freedom is to start early to retire early. The earlier we started saving money, the earlier we started our financial education, the earlier we started to invest, we can be guaranteed that we can also retire earlier. Why not? Retiring early is one of the best options of a lot of people. Who wants to work for the rest of their lives? Who wants to be bothered by

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I remembered before that I chatted with a foreign exchange (forex) trader when I was thinking to try foreign exchange trading online as one of investing. And I asked him: “What Makes Currency Rise or Fall?” In our discussion through Yahoo Messenger, he stated that currency trading is more stable than the stock market. He said that ‘currency trading is a balancing act between a particular currency against a basket of other currencies.’   If one currency fall, then

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