I’m looking for a great personal finance site to help me figure out where my little amount of cash is disappearing to.

OK, my first stop would be google.

Next, I would get myself educated about budgeting here:

http://www.freebudgetkit.com/

Then I would get smarter about investing here:

https://personal.vanguard.com/us/planningeducation/general

As to figuring out where your little cash goes to, only you can do that.
Every time you spend a penny, write it down. Write down when, where, and what you spent your money on. At the end of the month, tally it up into several categories. (Be as specific or broad as you want, fast food could fall to dining out and entertainment, or could be listed separately, your call)

At the end of the month, I will bet you will be very surprised to find out exactly how much of your take home pay you spend on unnecessary stuff in the $2 – $10 range.

I did this several years ago, and discovered that I was spending over $200 a month on coffee, bottled water, and snacks. Never realized that the $1.75 a day on a Starbucks would add up quite that severly.

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Many folks know that needing bad credit repair help may affect their lives in numerous negative ways. But plenty of the people that need bad credit repair help are not aware that their credit rating is also affected.

Personal credit rating is not one of the things that folks see on a regular basis, so it is difficult for many folks to figure out whether or not they fall into the good, fair, or poor credit classes. They also don’t know whether they’re going to need to enlist the services of a bad credit repair law firm to enhance their credit profile. There are a few other ways a person can use to figure out their credit rating and where they fall on the credit worthiness scale.

How to Estimate Your Credit Score

The first way to try and establish where an individual falls on the credit rating scale is credit estimation. For example, an individual that has been able to pay their credit cards bills, put some money in a savings account, and haven’t been late on any of their other bills for the past few years can expect to have their credit rating increase. On the other hand, people who have missed some payments and have used more than half of their available credit can expect their credit rating to decrease, resulting in the requirement for bad credit repair help.

Credit Rating Calculators

Although this technique of determining whether someone wishes bad credit repair help is imprecise, it will give the person a fair guesstimate of what their credit rating might be. If the person is homest about their actions over the last few years and accurately remembers how much of their available credit they are using, they may be ready to properly judge their credit worthiness level and whether they need bad credit repair help. There are even some credit rating calculators available on the web that will take this information and figure out what range your credit score is probably going to fall into.

Obtaining Your Credit History

Another system of determining whether somebody wishes bad credit repair help is to get the person’s tangible credit history and score from a credit rating company. This can be difficult because the person will have to get a credible place to get the credit information from and will have to determine their identity to the company before their private credit information can be released.

In a few cases, it can take up to two weeks to get the data the person is searching for thanks to the number of requests that these corporations handle each day from businesses and people alike and if there is a difficulty with the data that is submitted, it can take even longer for the person to find out if they need bad credit repair help.

Once you realize how bad your credit is, the next thing to do is think about how your are going to boost your credit score and how to get clean credit back again quickly. Did you know, you can actually improve your credit score yourself? Find out how by clicking HERE.

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If there was one book or a few books about personal finance such as “Rich Dad, poor dad” and “Think and grow rich” that really changed your life into understanding money and investing what are they ?
I mean if there was a book that really explained stuff and made it clear about investing and having money work for you, what would it be ?

The Automatic Millionaire
The 5 Lessons a Millionaire Taught Me
Seven Winnings Steps to a Seven Figure Fortune
The Science of Getting Rich

Discuss the attitude for personal finance base on the “Can You Afford It?” section

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Lest you’ve been hiding under a rock lately, it’s possible that you’ve seen one of the ads for the web bad credit debt help services. Debt relief help can come from outside sources, but it ultimately starts with you. If you are living above your means and you eat out all the time and buy things that you do not need; it’s small wonder you are in debt. These online bad credit debt help services help you lower your debt but it’s not easy.

In reality, they actually do not do much for you apart from show you what you need to do. But, you’ll find heaps of tips and tricks, and more notably you’ll have access to your credit report which is really all you need to get bad credit debt help.

Subscribe To an Online Service

You may first think that these bad credit debt help services that you see publicized are free. They often are at first. That implies you get a trial membership, then they may bill your bank account ten to twenty dollars a month. If you can afford this, which most people can with just a week of desisting from the coffee bar, it’ll help you some what to subscribe to a site like this. What do you get when you subscribe? You get everything you need to get out of debt in a fair amount of time.

What Do You Get From an Online Debt Service

When you subscribe to one of these bad credit debt help websites, you get everything you need to get out of debt. First, you get one of your credit reports. You may be thinking, “One of my credit reports?” The fact is, everyone has three credit reports. There are 3 credit reporting agencies in the country: Trans Union, Equifax, and Experian. Not every company reports to each credit agency. That implies you could have debt on one credit report that doesn’t show up on the others.

The only way then to actually see how much you owe is to get a copy of all 3 of your credit reports. The bad credit debt help site will probably let you have access to all 3 for additional cash. This only makes sense if they are going to let you have copies more than once a year as you are actually allowed copies of all 3 credit reports for free once a year. You need to do this at least once to get a good view of who and what you owe.

The Do-It-Yourself Method to Clean Credit

If you feel uncomfortable signing up to an online debt service just to get hold of your credit reports, then you can learn how to do it all yourself. It really isn’t rocket science – you just need the right information. To find out how to not only get your credit reports, but also how to dispute them and clean up your credit score, then Click Here to visit the 37 Days to Clean Credit website.

Start Paying Back Your Debt

Once you see how much you really owe, you can put a figure on it rather than of it just being some unknown debt cloud this When you have that info, start paying the companies back bit by bit. As long as you make continuous payments, your credit will start to improve. With enough work, you may bring that debt to more controllable levels or you’ll reduce your debt wholly. That makes these bad credit debt help internet sites useful tools in the war against debt.

Actually, there is another method to help you with your bad credit debt problems. It entails getting out of debt very quickly and it is all in your own hands. If you want to learn how it is done then Click Here to visit Debt Free in Three website.

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Identity theft insurance is starting to become more popular every month as more folk realize that their identities could be compromised at any moment. There are so many precautions that you can take from a technological side of things. Firewalls, anti-spyware programs, and updated browsers can only protect you so much.

However, having the best identity theft insurance in the planet does not give you a free ticket to shop carelessly on the web. Identity theft is a costly, time consuming problem that will take weeks out of your life to resolve. If you do not have insurance, the process can cost many thousands and thousands of greenbacks and limitless headaches.

Expensive But Cheaper in the Long Run

The best identity theft insurance pretty much certainly won’t be the cheapest. You won’t be in a position to purchase it on a caprice, and the process might take an hour or longer. If your identity is compromised (and there’s a significant chance that it might, with approximately ten million USA citizens a year dealing with such problems, or about three percent yearly), then the best identity theft insurance will get you back on course in record time. An identity theft consultant will be allotted at once to your case to do a number of important things.

Identity Theft Consultant

Firstly, they are going to offer advice and direction about the best way to restore your name. They will work to restore any compromised documents, like driver’s licenses, passports, social security cards, birth certificates, etc. They will also at once deal with credit companies, banks, and other agencies to restore your credit status and trust.

Many of these institutions have teams of specialists working to tighten up on fraudsters and burglars, but the best identity theft insurance consolidates resources to make the method faster and more effective, and with information openly passing among agencies, the chance of catching the bad guys rises dramatically.

Find the Best Identity Theft Insurance You Can Afford

If you’re attempting to find an identity theft insurance policy, don’t target the cheapest policy available. You may think it a bargain until you actually have to deal with identity theft, and then it’ll be just about as bad as not having any insurance at all.

The best identity theft insurance will cost more money per month, and it could be harder to procure, but that level of difficulty pales in comparison to identity theft itself. With resources consolidated and teams of experts working together, such insurance streamlines and simplifies the credit restoration process, regularly cutting the time in half or a third and saving you thousands.

What degree should I get, and what exactly would I be in charge of as a personal finance manager? Where would I get a job?

A degree in finance, accounting, economics, business and Law would be nice (advanced, masters or PhD). Than go out into the real world and become very wealthy by investments. Than start your own hedge fund and people will pay you to invest their money.

Why should I take advice from some one who is poor and knows less than I do.

Most states require you to get a license but many don't. You can be a financial adviser tomorrow with no skill, knowledge or abilities. People should do the research their self and read books and publications and take charge of their finances verses some stranger that does not give two darns about you; they just want to make fees and commission.

You can learn the 101 basics of good money managment, how to save and invest (what mom and dad should have taught you but many don't). Than you give out advice for a fee. You can do that as a freelance or work for some bank or investment house, as a financial adviser. There are lots of them and many don't know squat. I would sooner take advice from some of them as I would the kid making my Starbucks.

Most of the basic info is available in books and even cable TV: Suzy Orman, Jim "mad money" Cramer, MSNBC business channel, Bloomberg, The Economist & Wall Street Journal. There are lots of good books on investing and building wealth. Bottom line is earning money the old fashinon way, work for it and save it. People want to do nothing and get a check and produce nothing. That is the problem with our economy, we don't make anything any more. Of course getting into a high paying profession through advanced education is a way to go.

Finance Manager is kind of a vauge job description and career. You are talking money for giving out advice on how to handle money, not only invest but plan for the future, college funds for kids, retirement. They usually work for some investment bank (Like the 4 that went out of business putting 1000's of financial advisers on the street).

Most financial advisers are sales man, like car sales man. They are trying to get you to buy something so they can make fee's and commission's. They often will point you to things that MAKE THEM MONEY, not you.

You can get you stock boraker licence. You have to take some classes and a test. There are different levels and its not too hard, but stock broakers are a dime a dozen. Again many are looking for work this week. Many individual's can buy stocks online. Of course the 401k plan at work is best for most. There they have managers that are suppose to know what they are doing run those accounts. It is putting trust in others however.

The BIG jobs on Wall Street go to guys and gals with MBA's from an Ivy league school. Plus some healthy nepotism and good old boy recommendations.

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So my advice to any one is STUDY READ and RESEARCH, you can do a better job investing money than some stranger that really just wants his fees and commission.
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If you don't have a intellectual curiosity about this stuff don't become and finances adviser. Also the idea is help others not yourself. Do us all a favor and don't tell others what to do with money if you don't have a clue or the proper attitude.

There’s lots of online information about personal finance. If you’re looking for advice on budgeting or investing, you’ll find plenty. If you want quotes for loans or insurance, they’re available. If you need help getting out of debt, you can find it online.

Predictably, some of the personal finance resources online are better than others. Some are frankly self-serving, trying to sell you some product or service. Others give information freely. Some of the information is good and some is not so good. You have to evaluate and discriminate when looking for authority and accuracy in personal finance information. After all, it’s your money that you’ll be risking if you follow bad advice. So be careful out there.

We can’t hope to list all the good online sites for personal finance. There are just too many. But here’s a short list to get you started in the right direction. We’ve included a few of the standard mega-sites plus some really good ones that are not so well known.

Necessary Virtues Personal Finance
http://finance.necessaryvirtues.com/
Specializes in information about how to manage your money efficiently and live a prosperous life. Offers several full-length books as free downloads, including these titles: “Solving the Money Puzzle: Personal Finance Made Simple,” “The Science of Getting Rich,” “Money for Life,” and the classic, “Think and Grow Rich.” Also offers free newsletter, “Your Money Plan.”

MSN Money
http://moneycentral.msn.com/
Specializes in information for investors, including free stock quotes and analysis tools. Also has sections on planning, banking, and taxes. Good investment advice columns and features. Some analysis tools require Internet Explorer for best results. (The site is owned by Microsoft.)

CNN Money
http://money.cnn.com/
More breadth than MSN Money but less depth on investing. Covers many areas and has quite a bit of unique content from Fortune and Money magazines. (This is a Time-Warner site so there is common ownership.)

Kiplinger.com
http://www.kiplinger.com/
Mostly about investing, but also has good articles on credit management, real estate, insurance, retirement. Do be aware that much of their focus is on selling subscriptions to their various newsletters, like the Kiplinger Report.

Zen Personal Finance
http://www.finance-weblog.com/
This is something completely different, a blog with a unique perspective on personal finance. Has sections on retirement, housing, credit, and investing (a mammoth 30-part series of posts on “How To Think Like Warren Buffet”). Not the place to go for everyday reference, but recommended for browsing.

The Motley Fool
http://www.fool.com/
Specializes in help with investing, particularly in stocks and mutual funds. Information is of high quality, but registration is required to access most of it, and payment is required for parts of the site and for some newsletters.

Yahoo Finance
http://finance.yahoo.com/
There’s a lot here, but most of it is conglomerated by Yahoo from various third-party sources. You’ll have to be discriminating.

Carnival of Personal Finance
http://carnivalofpersonalfinance.com/
A blog carnival that offers weekly collections of recent blog posts on topics like budgeting, saving money, earning money, managing debt, and living below your means. The quality is uneven so be prepared to dig deep.

So there you have it, a quick introduction to some of the best of the web when it comes to personal finance. Some of the big sites made our list as well as some smaller hidden gems. Here’s hoping you find it useful.

Steve Diamond
http://www.articlesbase.com/finance-articles/8-great-personal-finance-sites-92498.html

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Suze Orman on index funds, ETFs and investing overseas.

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