Personal Finance 101: How Do I Money? (#Adulting)

Today in #Adulting week: Money. How to do it.

This is part of a seven-day tutorial on leveling up your life. Home/health, finances, relationships, work, and technology — we’ll cover it all. Leave your questions in the comments for the Q&A video on Day 7!

Dave Ramsey:
Personal Finance subreddit:
Introduction to Investing:
How to be more frugal:
Credit card research:
Personal finance books:
Total Money Makeover by Dave Ramsey
Your Money or Your Life by Vicki Robin and Joe Dominguez
The Money Book for the Young Fabulous & Broke by Suze Orman

Investing books:
Common Sense Investing by Jack Bogle
The Intelligent Investor by Benjamin Graham
The Millionaire Next Door by Thomas Stanley

Retirement planning books/sites:
The Bogleheads Guide to Retirement by Taylor Larimore
If You Can: How Millennials Get Rich Slowly by William Bernstein

All of my advice videos:

Past years of VEDA
VEDA 2016:
VEDA 2014:
VEDA 2013:
VEDA 2010:

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Me, elsewhere:
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Welcome to my MissBeHelpful Channel!


I know that SO MANY of you agree with me that Personal Finance should be taught in schools, but the reality is that it’s not! So we need to teach ourselves this information so that nobody takes advantage of you and your hard earned money later in life! Here are the best 5 books I’ve read so far about personal finance and financial literacy in general.

Check me out on the podcast that I mentioned:


1. “The Money Book for the Young, Fabulous + Broke” by Suze Orman:

2. “I Will Teach You To Be Rich” by Ramit Sethi:

3. “The Millionaire Next Door” by Thomas J. Stanley and William D. Danko:

4. “Why Didn’t They Teach Me This In School?: 99 Personal Money Management Principles To Live By” by Cary Siegel:

5. “Personal Finance for Dummies” by Sheryl Garrett:

SUBSCRIBE for more fun personal finance info and check out more from my channel below!

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My VERY FIRST video (AWWW):…
How to Improve Your Credit Score FAST:…
Common Credit Card Myths:…
How I Save Half of My Income:…
Why You Need to Start Retirement Saving in Your 20’s:…
5 Things to Consider When Applying for New Credit Cards:…
Credit Card Rewards… Do’s and Dont’s:…
Become and Expert at Reading You Credit Card Statement:…
How To Improve Credit With Limited or No Credit History:…
Best New Way To Improve Credit – No Credit Card Required:…
How I Use the Grace Period to Avoid Paying Interest:…
How My Friend Saved HUNDREDS With A Balance Transfer:…
How To Earn Rewards Without Hurting Your Credit Score:…
Why I Don’t Care About A Perfect Credit Score & You Shouldn’t Either:…
Should I Invest or Pay Off Student Debt?:…

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’Til next time… PEACE!
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Why Choose Special Auto Finance Leads

Unique finance leads through telemarketing. Its one of the diverse prospecting platforms where automobile finance prospects tend to be created through telemarketing. Telemarketing plays an important role in generating quality car finance lead. The essential worth thing is the fact that all of the supplier do not want to waste their particular time on phoning the shoppers which are not thinking about automobile finance and never qualify for an automobile finance. Telemarketing makes it simple for supplier to filter such bad prospects and it assist them to work on high quality auto loan leads.

car loan leads generated by telemarketing is the best lead-in the marketplace somehow individuals do not trust that but 50 condition car loan has a deep connection with telemarketer’s car finance lead. Most crucial benefit of telemarketer leads is that it comes along with confirmed information’s of the customer that is contemplating buying a motor vehicle and it also makes it easy for supplier to follow along with up with the customer. Car loan leads generated through telemarketer are just like a primary website link where salesman knows that almost all of the prospects be eligible for auto loan.

Investing cash on telemarketing is safer than trading money on worthless marketing billboards. Well these types of advertisements only make consumer understand your organization it will not imply that they will certainly come out to you personally for motor finance. When telemarketer calls they generate it easier to get in touch with the consumer which more interested in purchasing a vehicle.

car loan prospecting company should really be enthusiastic about providing you solutions you want and dealership and buyer should be aware regarding the advertising and marketing strategies they use in generating the prospects.

It is all lead purchaser to ask about the car finance lead traffic strategy and work with them with fundamental high quality parameters that you need for each car loan prospects.

Contact 50 State Auto Loan today to get high quality auto loan prospects.

50Stateautoloan is Largest Special Finance Leads get Company. We are using the services of Subprime Automobile leads.

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Personal Finance Software – Evaluation Of The Most Popular Personal Finance Software

personal finance
by klip

As more and more people become savvy on the subject of their personal finances and financial planning, several persons are turning to personal finance software. What are the prime reasons personal finance software are a good tool to have? These programs can better help you realize your financial targets by better managing your current personal finances.

Listed below are the four best personal finance software today.

Quicken – Quicken is a very well known finance management software. Quicken has been in this line of business for decades. Back then, they ran on MS-Dos and are still immensely today. Quicken Starter Edition 2009 is the software we are concerned about in this article. Easy enough to install, this software has a very good banking section that deals with bankinf reports as well as having a wide assortment of financial calculating tools. Your data can be stored in protected servers for a small yearly fee. The best of the best.

Acemoney 3.10.1 – A really nice personal finance software. Its clean and intuitive interface allows even beginners to get to work. All the major languages are supported such as Chinese to French. Acemoney allows you to perform bank transfers and deposits. It is considered one of the simpler personal finance software on the market but we feel that is a plus due to the super user friendliness this software provides.

Moneydance 2008 – What started off as an open source project in 1997 soon became a product planned for the masses. Not as straightforward to use as Acemoney but it has many more features. Users can sync their data with their bank accounts. They do not have fees for the use of their online banking features. Moneydance works in all three major operating systems, Linux, MacOS and Windows.

Banktree Personal 2.0 – BankTree personal 2.0 rounds off the top personal finance software in review. It not only syncs with your bank accounts but enables the downloading of data from your account for your own personal use. It has most of the standard features found on the rest of our picks such as creating budgets, payrolls etc. Online bill payment is offered but is not free. Only two financial calculators are available (mortgage, loan).

Personal Finance and Financial Planning are two areas of significance for the author of this article. Prema De Silva operates a free educational stock trading portal in her spare time. She has been involved in foreign currencies for more than 7 years.

Related Personal Finance Articles

Car Finance Loan: When You Can’t Just Wait To Buy a Car

car finance
by bradlauster After acquiring your personal house

, one of one of the most expensive acquisitions you will certainly choose on is buying an auto. In addition to the automobile, car-related expenses, like fuel, upkeep and also insurance policy, even accessories, can obtain a huge portion from your budget.Sure, you will be kicking a couple of tires yet that will just be half of the fight. Know your constraints also before seeking that brand-new automobile. If you would certainly be paying for all car-related expenditures, do not forget to spend no more compared to 10% of your complete earnings.When bargaining for the price of your car, decide first

on a cost variety as well as just how much your deposit will be. Should you select a long plan under a cars and truck money financing, your down payment would certainly go to the minimum. If you make a decision to trade the vehicle within the first year, you will certainly realize that you really owe greater than your cars and truck is worth. As a general guideline, never ever make an application for a car money lending that is greater than 80% of the cost of the vehicle, as suggested in the dealership’s invoice. Attempt to pay in cash money or have equity for the automobile which is regarding 20 %of the automobile’s true cost.Usually, your automobile supplier will certainly send you to their internal funding department for an automobile financing
financing. Dealers could have less-restrictive requirements than financial institutions, nevertheless, they can firmly insist on cut-rate auto funding fundings for you to obtain. Such automobile finance loans have 3%rate of interest that can be eye-catching for the unwary client. Sadly, these low rates of interest just apply just to certain models or short-term auto money financings of 12 months tops. You’ll be stunned at just how suppliers make a lot of cash on car financing lendings, even when it’s done through the manufacturer.As a good guideline, constantly work out the rate prior to you reveal that you are believing regarding obtaining an automobile financing loan. If they understand beforehand that you intend on finishing up the offer with a car financing car loan, they will frequently attempt to produce a predicament for you by giving you a lower rate on a higher cost or a lower cost at a higher financing rate.If you do select a car finance funding with the supplier, you could negotiate the rates of interest. Car dealerships normally have numerous car loan sources, including local financial institutions and also the manufacturer’s credit firm.

Each source sets their rates to the dealer.It is very important to examine other sources for a car finance funding, such as your financial institution or lending institution, prior to you authorize your name. Choose from numerous resources for auto money lending options. Discover from financial institutions or cooperative credit union if they have any kind of unique bargains on car money car loans right currently. Utilize a Vehicle Financing Worksheet to compare various sources.With numerous selections for an automobile money loan, you should find out a lot. Always consider your financing thoroughly. Open your door to numerous possibilities while considering your selections with care. Generate a shopping listing of just what you are trying to find in a cars and truck finance loan offer. When you end up being knowledgeable, chances are, you will be saving even more money as well as get the appropriate automobile for your budget. Uchenna Ani-Okoye is an online marketing advisor as well as carbon monoxide founder of Free Affiliate Programs To learn more and also source links on automobile car loans check out: Ideal Auto Financing Rates Find More Automobile Money Articles

Factors to Consider While Selecting Auto Finance Leads

auto finance
by Chris Devers Since most of us know that the economic

crisis is unable to moisten spirit of the buyers, the suppliers are bring increasingly more chances for the automobile financing leads. For concern of the vehicle loan desiring people, firms working in the auto money leads sector offer leads in various names like car sales leads, unique money automobile leads, subprime leads, etc. It continuouslies be uncertain for purchaser to pick which offer of vehicle finance till the end.Let’s take a fast eye a few elements which might just speed your approval process of the auto finance leads.- Automobile Financing Terms: This is one of the most crucial variable which emerge while choosing any type of automobile financing leads offer. Although discussed in the months as well as normally accessible for the 36/60 months amount of time, the time for settlement of automobile finance may additionally be developed for 72 months in some places. Though, the payment of interest proceed increasing with the lengthier term for car lending.-Credit score Ratings: It is the indicator of individual’s purchasing capacity. Mostly, credit score rating as well as history are integrated with automobile funding terms solvency for computing customer’s capacity for the finance authorization.-Cash Repayments: It is settlement made against any type of newly purchased car. This usually minimizes money quantity with firm of the automobile loan. By paying more money payment, you could have minimal problem of the money as well as interest price for loan duration. Currently Allow’s take a glance at some of the basic benefits of special financing leads.-Automobile dealers fight hard for satisfying the regular monthly sales aim. Nevertheless, unique finance leads might use them accessibility of the finest subprime leads that wish to purchase the auto yet may refrain from doing so due to lack of financing from the loan providers. All the leads serve finest in meeting the marketing goals. Making use of special financing leads, the dealers may expect enhancing the sales and also makes that pass monthly target in a shorter period. -Special financing leads continues to live wish for the vehicle buyers that look for unique financing for purchasing the dream auto. Since robbed credit score management could affect credit rating, more purchasers are coming below subprime category. This has an increasing number of ended up being hard to customers for getting approval to the financings without ample credit. Nonetheless, the recognized special leads allow dealers to call even more of the customers.-Connecting to unique auto leads is extremely hard. Numerous advertising strategies are there that could be made use of to tap in the unique leads. Nonetheless, prescreening of the unique money leads is called for before getting any of the marketing strategies. With more extensively validated list, you could persuade individuals in much better way. When full contact details are offered, it ends up being easy to call leads with phone or e-mail.-The unique car leads are having greater opportunity of the sales conversion because various other suppliers rarely have gain access to of them. Therefore, you should confirm solution documents of the leading solution suppliers in addition to acquisition exclusive leads which are mostly generated

on basis of the zip code for your company or close areas. At the 50 State Automobile Financing, we compel ourselves to the people in aiding them with uninterrupted vehicle finance leads procedures with the suppliers nationwide. The 50 State Automobile Funding is major resource of unique financing leads.

Auto Finance Basics: Buy or Lease? | Auto Finance 101 | Ford

Learn the differences between buying and leasing a car to help decide which is best for you and your lifestyle.

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Auto Finance Basics: Buy or Lease? | Auto Finance 101 | Ford

Richard Jones, Managing Director of Black Horse Finance presents at the International Auto Finance Network Conference.
Jones acknowledges the threat from disruptors – but rather than seeing the digitalization of auto finance as simply an opportunity for new entrants to disrupt, describes technology instead as a route to improving the in-dealership experience.

Read more here:
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New Car Auto Loan – How to Finance Your New Car

Having sleepless nights thinking about how to finance your purchase of dream car? Is your dealer giving you very high rates of interest? Do you have low credit scores? Well time to worry is over. You can get a new auto loan without much problem to handle. Follow the simple steps and get your car financed.

Find a lender: It is one of the primary steps in the whole process. If you have very good credit rating, go and talk to a financial institutions or bank. They will be pleased to help you out. If you do not have a very satisfying credit score, it is better not to approach a traditional financial institution. The reason is they might reject your application after seeing your credit score. They are not willing to take the risk. But do not be disheartened because there are others lenders waiting for you. There are credit unions, private lenders, and even some banks also. They are more than willing to cater to your needs.

Discussion with lenders: Once you have found out the lender, it is time to talk about the auto loan program they might have. Discuss about every detail of the program like rate of interest, down payment amount, loan term, discount offers, fees or charges, pre payment penalty involved. Get these details from as many lenders as possible. Find time to go online and check the online auto loan lenders. Compare the rates of interest because most of the other factors depend on it. If you have low score in your credit report, be prepared to pay a little high rate of interest. These lenders may be willing to ignore your scores while considering the application for auto loan if you agree to their rates. You can definitely lower the rates if you can negotiate your way in.

Know your limits: When you have got the details in your hand and have finished comparing the rates. You are likely to have arrived at the best rates you can get in the market for the auto loan. However, you work does not stop here. There is another important activity left for you to perform. Check your limits. Calculate your income, savings, and expenses. See how much you can afford to spend in excess of your present expenditures. If you are not very good with numbers, seek the help of the professionals or car loan calculator available online. They will help your know your condition in exact terms. This step is important because your expenses including your expected ones cannot be more than your income or must not exact your income. If it is equal, you run into risk of default payments. And it will not be good for your credit scores.

Now the last step is talking to the dealer. As soon as you know that you can afford the payment of a loan, choose your car. Visit a dealer who has the car and talk to him. Many times dealer will also have a loan program for you. Hear it out and compare with that of your choice of loan. Then choose the one which suits you best.

Choosing a new car is not difficult as one knows what can they afford but much hassle is faced while financing it, especially for people with credit issues. A new auto loan is what you should opt for while buying a new car. With you can avail auto loans for any car purchase such as SUVs, trucks, mini vans and luxury cars including all makes and models.

How to Finance a Car

Watch more How to Buy a Car videos:

Make sure you get the best possible terms on your car loan by doing your homework.

Step 1: Get your credit rating
Request a copy of your credit report by logging onto or by calling 1-877-322-8228. You are entitled to one free copy per year. Car loans are based on your credit rating, so make sure there are no mistakes.

Try to scrape together a down payment of at least 15 percent, which will greatly reduce your financing costs.

Step 2: Shop before you shop
Once you figure out how much you can afford to spend on a monthly payment, and before you set foot on a car lot, get a bank or credit union to pre-approve you for a car loan.

Search online for sites that compare current auto-loan rates.

Step 3: Focus on the APR
When comparing loans, focus on the APR — annual percentage rate — rather than the monthly payment. It’s more important to have a low interest rate, as long as you can make the payment each month.

Resist the temptation to finance a car for longer than 48 months. You’ll be paying so much in interest that if the car is stolen or wrecked, you run the risk of owing more than the car is worth.

Step 4: Play let’s make a deal
Head to the dealership. Tell them you’re pre-approved for a car loan, and ask them if they can offer you a better financing deal than the one you’ve secured already.

Step 5: Do the math
Always crunch the numbers before agreeing to a financing plan. If the dealer offers you a choice of either zero-percent financing or a cash rebate, do the math to figure out which is the better deal.

Step 6: Pay on time
Make your payments on time. Late payments lead to late fees, which will affect your credit rating.

Did You Know?
The average car loan is for 98 percent of the price of the vehicle.

Personal Finance, Budgeting and Planning Part 1: Managing your Financial Life

Financial empowerment starts with a solid foundation, based on knowledge, choice, and action. David Michaels talks about the basics of taking control of and managing your financial life.

More information on Women’s Financial Empowerment can be found on
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