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Michael Benifez's Articles in Finances

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Disposable Income No Debt Spells Freedom While it's not the sole factor in determining your level of wealth, your amount of disposable income is probably a fairly strong indicator. At the very least it indicates your financial planning ability, as a person living above their means will have a lower percentage of their income available as disposable income. There are of course ways to improve your percentage of disposable income, which we'll discuss below. Planning Investing and Retiring While many don't want to look that far ahead, and worry about money when you don't know what is going to be in the future it is important to plan something at one point. Financial Tapping - Battling and Controlling Bank Fees Banks offer us many convenient services, but they hardly do so out of the kindness of their hearts. Almost any little service imaginable that a bank provides has at least a small fee associated with it. These fees individually are usually small, but together can add up to a great deal. Better understanding these fees and how they're triggered should give a greater ability to judge how useful they are in relation to the cost and whether or not they should be avoided in the future. Business Expenses in One Easy to Manage Format What are business credit cards and they viable options for businesses big and small? The answer in most cases is yes, especially for small businesses. First let's detail exactly what business credit cards are before looking into their finer points. Protecting Personal Information - Who's in Your Wallet! The best thing that you can do to deal with identity theft in the first place is to prevent it by being very careful with personal information and passwords. If it's too late for that, however, you will have to go through the necessary steps to recover. First of all, don't panic. It takes a lot of thought, work, and concentration to recover your identity, so panicking will not help.

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