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http://www.entellogroup.com.au – Brian Costello has spent more than 20 years working and teaching Australian’s about how to build their wealth. Listen his opinion about Australia current economy. Brian is the director behind Entello Group which provides personal financial education services and mentoring to create financial independence. Entello’s investment philosophy encourages direct investment in all major asset classes and our services provide comprehensive information, advice and support to our clients. For more information about Entello Group and Brian Costello please go to http://www.entellogroup.com.au

Duration : 0:7:6

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http://www.Live-Easily.com/download-now/
FREE Download: 4 Essential Rules of Financial Fitness. In this video
Personal Finance – Tips On Saving Money
http://youtu.be/kTL8pTo7eBU

Duration : 0:1:38

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Suze Orman gives excellent tips on how to settle up with credit card companies. Ms. Orman is NOT affiliated with Eltman, Eltman and Cooper – she works as a financial broadcaster for CNBC (and as a best-selling author) – but we thought her advice here was helpful, so we uploaded the video to our channel. For more tips on how to get out of debt, check out our Eltman Eltman and Cooper main site, http://www.eltmanlaw.com. Thanks!

Duration : 0:9:22

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http://www.entellogroup.com.au – Brian Costello has spent more than 20 years working and teaching Australian’s about how to build their wealth. Listen his opinion about Australia current economy. Brian is the director behind Entello Group which provides personal financial education services and mentoring to create financial independence. Entello’s investment philosophy encourages direct investment in all major asset classes and our services provide comprehensive information, advice and support to our clients. For more information about Entello Group and Brian Costello please go to http://www.entellogroup.com.au

Duration : 0:7:57

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Many young professionals in their twenties are dealing with debt from credit cards and unpaid student loans. Managing personal finances can be difficult when you must handle expenses like insurance, business clothes, transportation, car payments, and more while still trying to have savings to meet your long-term goals such as buying a house or planning for retirement.

For more personal finance tips, please visit http://www.usnews.com/articles/business/your-money/2008/04/16/investing-guide-for-20-somethings.html

Duration : 0:2:40

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Right now I am taking

ROTC
World History H
Italian II H
Algebra 1 H
Personal Finance
English I
Biology H

For sophomore year I plan to take

Computer Science I
U.S History I H
Italian III H
Geometry H
Algebra II H
English II H
Chemistry H

Is this a good schedule?
I have A’s and 1 C+ in my honors history but all A’s in my other honors classes?

This is a good schedule, especially if you bring up your history grade. I commend you for taking two math classes next year! It’s good to take math courses through calculus, which you can take your senior year since you’re doubling up next year.

One tip:
Colleges love to see that students are challenging themselves. If you have A’s in your honors courses, you’re probably pretty smart, so why not take an AP class (if your school offers them)? Even if you get a B in the class, taking the most rigorous classes available to you looks great of your transcript.

I would recommend taking just one next year because most AP classes are geared towards juniors and seniors. You could take AP US HIstory, AP Psych, or AP Human Geography. Then, in your junior and senior years, you could take AP English, AP Bio, AP Chem… There are a myriad of AP courses in most subjects! I recommend both AP English classes.

Bonds are investment tools that companies use for loan purposes to break up debt into smaller monetary increments. Invest in bonds, which can come in 10 or 15 year payoff periods, with tips from a futures and options floor trader in this free video on personal finance.

Expert: Mark Griffith
Bio: Mark Griffith has graduated in economics and philosophy at Clare College, Cambridge. He has been a futures and options floor trader at LIFFE (London International Financial Futures Exchange).
Filmmaker: Paul Volniansky

Duration : 0:2:44

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Asset management rules start and end with protecting the principle investment. Manage assets wisely and beneficially with tips from an experienced businessman in this free video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:30

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I’m 18 and recently started a new job. I’m in my 2nd week of training and the job pays well enough that I can easily make the monthly payments on a new car. But how long do I have to hold my job before a car dealership is willing to finance me? Also, what are some tips on building and keeping a good credit score at my age?

You may want to ask a dealer what the guidelines are for length of history needed to qualify for a loan. Generally speaking it is two years, but you may have to also have a solid credit history to go with the work experience.

1) Obtain and use a credit card wisely
To start building good credit with your credit card, you will need to obtain the card, use it, and make the first payment before you will see any effect on your credit score. You may have to sign up for a “secured card” in the beginning, which means you will be required to deposit money (typically around $300) into an account controlled by the credit card company or bank in order to obtain the card. This deposit "secures" any debt you place on the card. It is a way for a creditor to take less risk when dealing with someone who has poor credit or no credit.

A secured card is just as good as any other credit card when it comes to building credit, for as with any credit card, the payment history on your secure card will be reported to the credit reporting agencies. So by making on-time payments (on-time payments are the No. 1 factor in determining a credit score) and carrying a low debt load (your debt balance-to-credit limit ratio is also a big credit score component), you will be building the history and profile that produces good credit.

Another way to build credit from scratch can include getting a low-limit retail store card or a gas card. Just be sure to pay the monthly balance in full so as to avoid the high monthly interest charges that many of these types of cards carry.

2) Review & understand your credit report
Review your credit report once a year. The higher your credit score, the better. A score below 680 usually results in a borrower being charged a higher interest rate or denied credit. If the report includes items that are inaccurate, request the report be corrected. You can receive a free copy of your credit report at AnnualCreditReport.com and the Federal Trade Commission has a terrific Web site that contains a wealth of information regarding credit reports (including how to address inaccuracies) at FTC.gov.

3) Take a loan
Another good way to build credit history is to pay off a small loan. Borrow from your bank or credit union to purchase a used car or a larger purchase, such as an appliance. Pay the loan on time and in full. Pay any student loans on time every month. (Remember: On-time payments are the No. 1 factor in determining a credit score.)

4) Build job history
A stable job history is another factor that lenders will consider when giving a loan. Creditors look at job history to understand a consumer’s stability and income.

5) Protect yourself from identity theft
Identity theft is at an all-time high, and it can destroy credit ratings. Remember that identity theft occurs both “offline,” and through the Internet. Protect yourself from unscrupulous individuals who could go through your trash, steal account numbers online or get personal information through complex “phishing” scams. Record all important financial information and account numbers in a secure place. Shred all documents that contain personal information. Never give out personal information in e-mails or in a phone call you did not initiate.

6) Create — and stick to — a budget
A good way to maintain a healthy financial lifestyle is to create — and stick to — a household budget. Many people fall into credit score disarray by spending beyond their means, building up debts, and maxing out credit cards. In budgeting, list ongoing monthly expenses (fixed expenses like rent or mortgage payments). Add variable expenses that are “must-buys” (food, gas, medicine). Leave two categories for savings and spending cash (for unexpected expenses and entertainment). Add monthly net income (the amount left after taxes and other paycheck deductions such as health insurance and 401(k) contributions). A free budget guide is available at bills.com.

Good luck as you venture forth into the world of credit, and I hope that the information I have provided helps you Find. Learn. Save.

Best,

Bill

Bills.com

A friend of mine found out he is bankrupt, and never realized he was spending more than he earned. Yes, a stupid thing to do. Never managed his credit cards well. And took out a housing loan and a car loan. Now he can’t pay his mortgages. Does this sound familiar, at least among some people you know? Or is this fellow singularly careless?

The responsible thing to do of you earnings is to manage it well particularly of the amount of bills coming in.

Like most people I also have mortgages, utilities, bills and just anything each month/fortnightly.

This time and age it’s more convenient if you have internet banking and it’s easier to check your bills and bank balances. Not only that there’s no banking fees and the likes with higher savings interest rates than most banks.

For mortgages get also from non banks where they have better deals.

Same with your credit cards get it from non banks to get rid of service and membership fees.

don’t forget the classic cliche: live within your means

when you intend to buy something or even just for groceries check on the latest catalogues buy from cheaper outlets.

if need be buy no frills or generic groceries skip the branded.

for holidays, choose the off peaks and check out better deals from airlines. it’s best to sign in from airline websites so that you’ll get the cheaper rates

Hotels offers also better deals on off peak and get away the holidays peaks. Trust me I’m good at this most hotels offers two plus one or something.

If not get a holiday travel timeshare…. it depends on how often you travel. But this is a good one. For me I have Accor it’s good and it turns out cheap and lots of savings. Try also Wyndham

My personal tip is make friends to those thrifty people. Before buying something expensive or even just trying to replace your tires or batteries. Ask them where they got theres. In this way this saves you from spending petrol in driving around just to look for good price.

Skip eating out, home cook meal is far better.

Good luck