Top 30 All-Time Personal Finance Posts (Part 1)

1.  7 Effective Ways to Avoid Poverty

According to the Census Bureau, one in every six Americans is living in poverty. The population of Malaysia is more than 27 million but there are 47.8 million people struggling in America. How do you deal with poverty effectively?


2.  22 Things Money Can and Can’t Buy (Second of a two-part series in the list)

1. Money can buy you an expensive house,

Money can’t buy your home sweet home.

2. Money can buy you a comfortable bed,

Money can’t buy you a good night’s sleep.

3.  7 Effective Ways to Manage Your Debt and Boost Your Credit Worthiness

A man in debt is so far a slave. ~Ralph Waldo Emerson


Standard and Poor's has downgraded the U.S. credit rating for the first time ever from AAA to AA+. S and P said it lowered the rating because the deficit reduction plan Congress passed on Tuesday did not go far enough to stabilize the country's debt situation.


On a personal level, how do you manage your debt and avoid erosion of your credit rating? Here are 7 simple ways to do:


4.  10 Effective Ways to Establish Your Credit Worthiness

Now that America is out of the AAA list, there are only 15 countries in the world with AAA rating from S and P. Singapore is the only Asian nation with such a prestigious rating. China is only rated AA-. How do you establish a personal rating as good as triple-A? Here are the 10 ways to get it:


5.   7 Effective Ways to Avoid Bankruptcy

According to the president of Federation of Malaysian Consumers Associations (Fomca), Datuk N. Marimuthu, half of those declared bankrupt because of credit card debts are below the age of 30. How do you avoid being declared as a bankrupt?


6. 10 Essential Things About Money

Money is a scarce resource; you need to manage it wisely to enjoy financial freedom. These are the ten things to look into to achieve financial independence:  


7. 10 Things You Can’t Buy With Money

Money can satisfy your want for material wealth, but there are a lot of other things that you can’t buy. Here is a  list of ten things that you can get them only with your personal effort and energy and most of all, you have to earn it.


8.  10 Tips to Avoid Getting Into Debt

Debt is a dangerous thing because it can destroy your reputation, career, family, make you a bankrupt and ruin your whole life. Here are 10 ways to avoid getting into debt:


9. 7 Reasons to Buy Gold

Gold has reached its all-time high of 1600/oz in July 2011. Do you own gold? Is gold part of an overall portfolio? There are 7 good reasons to buy and keep gold:


10. 12 Easy Ways to Reduce Your Expenses

The output of agricultural products is affected by weird weather and it is costing more just to get the basic items such as wheat, rice and chilli. There is, all the more, a need to trim your household expenses.  Look closely into your spending pattern and adjust your lifestyle to shield the impact of the rising cost of living.