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Finance - I Want to Buy a Home! Now What?
By Galia Gichon
If you were to ask 100 women "What would you like to achieve financially?" Buying a home is usually one of the answers. Some women think that they can never own a home - which is not true! There are so many success stories of home buyers who never thought they would get there.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance - Demystifying Mutual Funds
By Galia Gichon
Mutual funds are an essential part of your personal finances. They are the fuel of your retirement plan, can help you buy a house and the easiest way to take advantage of the stock market. If you don’t have any money saved, you can still start investing in mutual funds immediately. With over 12,000 mutual funds in the marketplace, they can definitely be overwhelming!
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance - Rejuvenate Your Retirement Plan
By Galia Gichon
Have you heard of “The Bag Lady Syndrome?†It is very common for women. It means that no matter how financially stable you are, you are afraid you will end up as a bag lady. Rather than feeding into that financial insecurity, challenge yourself to overcome that obstacle and quell your retirement fears.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance - Make the Most of Your 401K
By Galia Gichon
The 401(k) is probably one of the, if not the, most important tool in creating a successful retirement for most Americans. You can’t afford not to make sure you are making the most of your current 401(k) or old 401(k)s.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance - Saving For Your Kid's College Education
By Galia Gichon
With the introduction and surge in popularity of 529 plans, more and more parents are focused on saving for their children’s college education. Before you begin, make sure you are contributing enough to your retirement fund. Your children can borrow money for college but you can not borrow money for retirement. Even if you plan on working for the rest of your life, you still want to be prepared in the event you do choose to retire.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance Articles - Organize Your Finances
By Galia Gichon
Do you love the idea of being organized but are overwhelmed by the process? I was, so I decided to work with professional organizer, Erica Ecker, The Spacialist, for my home and office space. We found that with many of our clients an obstacle to taking control of your finances was getting organized. So, here are a few tips to get you started on Organizing Your Finances.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Online Brokerage Accounts: Safeguarding Your Money & ID
By Galia Gichon
Let's hope this never happens to you: You have a few free minutes so you decide to go online to check your brokerage account information. Your account balance is much lower than you expect - and you know that, at least for today, neither the market nor any of your securities fell in value. You see that there were several wire transfers of money from your account to an outside checking account. But you never authorized those transactions - instead, an identity thief did, and that thief has now stolen your cash as well as your personal information.
About the Author:
Galia Gichon, Founder of Down-to-Earth Finance, demystifies personal finance through unbiased financial education. With over 13 years experience in financial services and an MBA in Finance, Ms. Gichon has worked with hundreds of individuals and organizations. She presents seminars and does one-on-one sessions that help people get closer to their financial goals by creating spending and savings plans, mapping out realistic investment strategies, and phasing out debts. She is also the author of the "Personal Finance Toolkit". As an independent educator, she does not manage money or sell investment products. She can be reached at www.downtoearthfinance.com or 212.734.0433.
Finance Articles - Credit Cards: Kick the Habit!
By Elizabeth Harrison
A red, shiny coat glints and beckons from the window of my favorite shop.
I have already spent my ‘free money’ for the month. But, I need to go in this shop anyway and find new shoes for work. Shoes for work do not count toward my ‘free money’ spending. They are necessary. Necessities. Shoes...
Finance Articles - Home Buying 101
By Debbie Brannigan
Well, rates are starting to creep back upward and you're still wondering if you can afford to buy a home. Interest rates are still at record lows and we can now borrow money from the bank for less interest than our parents paid on their homes 30 years ago! So, what are you waiting for? If you're like most people, you don't have the 20% to put down on a home. Join the club. Not many people have that kind of money on hand...
About The Author:
A high school drop-out and single mom before the age of 18, Debbie struggled to provide for her daughter by working three jobs for over two years. Through hard work and perseverance, she progressed from fast food jobs to become a sought-after design engineer for the top Automotive, Aerospace and Trucking companies in America. Her passionate belief that anyone can realize their dreams led her to found Capitalist Chicks.com. It is her mission to cultivate the true entrepreneurial spirit, and eradicate the negative connotation often associated with the word Capitalist. Debbie is also a contributing panel expert on the Work Her Way website.