Calculating Your Financial Ratios
When reviewing the financial health of a
company, it's common to look at financial ratios, such as earnings
per share, price/earnings ratios, book value, and total return.
The reason financial ratios are so popular is they give you a
means to evaluate financial information, while allowing you to
track changes over time.
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Pursuing Your Resolutions
How often have you drawn up an ambitious
list of new year's resolutions, only to find you've given up on
them after a few weeks? Don't let that happen to you in 2010.
If you want to make significant strides toward achieving your
financial goals, determine why your resolutions have failed in
the past and find ways to overcome those obstacles.
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Teaching Important Financial Lessons
Even though it seems like money and financial
topics are discussed everywhere, these are not concepts your children
will learn automatically. Some of the most valuable lessons you
can teach your children involve basic money concepts, such as
the value of saving and investing. Some strategies you can use
to help teach these concepts include...
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Take Another Look at Home-Equity Loans
When home prices were increasing, home-equity
loans were a convenient way to finance numerous types of expenditures.
While the loan is secured by the home's equity, the proceeds can
be used for anything, including expenditures that have nothing
to do with the home. In addition, home-equity loans have a significant
advantage over other forms of consumer debt.
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Do You Have a Budget?
A budget serves as a road map for your spending,
helping you find ways to save more money for your financial goals.
For a one-month period, keep track of every dollar you spend,
whether by cash, check, or credit card. Break down those expenditures
by category and total them for the month.
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