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Image from page 59 of “Annual report of the Secretary of the Treasury on the state of the finances for the year ..” (1876)
personal finance
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Identifier: annualreportofse1960unit
Title: Annual report of the Secretary of the Treasury on the state of the finances for the year ..
Year: 1876 (1870s)
Authors: United States. Dept. of the Treasury
Subjects: United States. Dept. of the Treasury Finance, Public
Publisher: Washington : G.P.O.
Contributing Library: U.S. Dept. of the Treasury, Treasury Library
Digitizing Sponsor: U.S. Dept. of the Treasury, Treasury Library

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FEDERAL SECURITIES Private nonbank investors held an esthnated 9.0 billion of Fed-eral securities at the end of fiscal 1960, over one-half of the 6.5billion total Federal debt outstanding. Private nonbank investorscomprise individuals (includmg partnerships and personal trust ac-counts), insurance companies, mutual savings banks, nonfinancial cor-porations, pension fimds, foreign accounts, State and local govern-ments, and nonprofit associations. Commercial banks and FederalReserve Banks together held .1 billion, representing more thanone-fourth of the debt. The remaining .3 billion of debt was heldby Government investment accounts, primarily in social security andunemployment trust funds, veterans insurance funds, and Govern-ment retirement funds. These figures are graphically presented inchart 7. Chart 7 OWNERSHIP OF THE PUBLIC DEBT, JUNE 30,1960. $Bil. TOTAL Govt. Invest.Accounts Nonbonk Investors Banks 200 100 fmsm ^■286y ■55/2, ^ ^Individuals Savings/ Institutions

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Another ^%: / Com I Federal> Reserve /,l<o. REVIEW OF FISCAL OPERATIONS 41 During fiscal 1960 the .7 billion increase in total public debt out-standing and the .4 billion decrease in holdings of Federal securitiesby the banking system were absorbed within the nonbank area. Theprivate nonbank sector increased its ownership of Federal securitiesby .4 billion and the Government investment accounts holdingsrose by .7 billion. Ownership of Federal securities by hivestorclasses on selected dates is presented in the following table. Ownership of Federal securities ^ by investor classes on selected dates, 1041-60 [Dollars in billions] June 30,1941 Feb. 28,1946 2 June 30,1959 June 30,1960 Changedming fis-cal year1960 Estimated ownership by: Private nonbank Investors: Individuals 3. .2 7.1 3.4 2.0 .6 .7 .124.411.119.9 6.78.9 . 9 12.5 7.3 r21.5 16.7^19.7 .211.86.621.718.122.5 4 Insurance companies .- _ .- — 7 — 8 Corporations <- _ . . _-. _ State and local g

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Envestnet | Yodlee Partners With QSuper to Deliver Award Winning Personal
REDWOOD CITY, Calif., Jan. 20, 2016 (GLOBE NEWSWIRE) — Envestnet | Yodlee (NYSE:ENV), a leading technology and applications platform powering dynamic, cloud-based innovation for digital financial services, today announced that it has partnered …
Read more on GlobeNewswire (press release)

Latest Personal Finance News

3 open source personal finance tools for Linux
Just as no two people have identical bank accounts, there’s not one single personal finance tool which works best for everybody. For some, automation and simplicity are their main goals, and for others, customization and having lots of features matter …
Read more on opensource.com

Personal finance: Emphasis on the ‘personal’
“One of the ways that I fear that we have failed in personal finance education is by simply throwing rules of thumb at folks from a very young age, [saying] You should save this much, you should get this much insurance, you should budget this …
Read more on OneNewsNow

Latest Personal Finance News

Congress weighs in late on tax changes, and other personal finance updates
… season that begins Jan. 19. In fact, this year’s action goes a step further and makes some of these changes permanent. The extender changes were signed into law Dec. 18. They’re among several updates to personal-finance issues that gained …
Read more on azcentral.com

Can I retire at 60? How to do the math
There’s a pretty big debate going on in the financial world surrounding withdrawal rates. The low interest-rate environment that we’ve all enjoyed/hated has many experts concerned about the “4% rule.” If it concerns you, use 3%. If you use a 3 …
Read more on USA TODAY

Hillsdale College Named 2016 ‘Best College Value’ by Kiplinger’s Personal Finance

Hillsdale College Named 2016 ‘Best College Value’ by Kiplinger’s Personal Finance
HILLSDALE, Mich., Dec. 21, 2015 /PRNewswire/ — Hillsdale College has been named the No. 1 “Best College Value” for liberal arts colleges in the state of Michigan, according to Kiplinger’s Personal Finance’s list of the Top 300 Best College Values of 2016.
Read more on PR Newswire (press release)

Charlton: Bay Path seniors learn aboout personal finance
CHARLTON — Hundreds of high school seniors recently learned pet ownership and health club membership are luxuries some cannot afford during a personal finance Reality Fair at Bay Path Regional Vocational Technical High School. The financial …
Read more on Worcester Telegram

The Mortgage Professor: Personal finance expert’s latest book a real eye-opener

The Mortgage Professor: Personal finance expert’s latest book a real eye-opener
I don’t review many books, but I felt impelled to report on personal finance expert Jane Bryant Quinn’s latest, “How to Make Your Money Last,” because as I read it, I found myself saying “I wish I had known this back then,” and “Yes, I should have done …
Read more on News & Observer

Personal finance: If you are worried about junk bonds, you should check your
Analysts started to wonder aloud in interviews whether Third Avenue Focused Credit Fund was the canary in the coal mine for junk bond risks. Some made comparisons to Bear Stearns and Lehman Brothers in the financial crisis in 2008. “All of us are …
Read more on Duluth News Tribune

Kiplinger’s Personal Finance – Where to invest in 2016
As the bull market heads into its eighth year, investors will have to contend with heightened volatility as the Federal Reserve Board nudges interest rates toward more-normal levels, election-year rhetoric boils over and economic growth — here and …
Read more on Richmond Times-Dispatch

Personal Finance Q&A: Does having a student loan affect ability to buy a home?
Consider meeting with a fee-only financial planner who can assess your financial situation and offer advice about the best course. It could be that you can well afford student loans and a mortgage. Or you could be headed for disaster. It’s better to …
Read more on Los Angeles Times

Personal Finance: Review Your Finances Before The Start Of The New Year

Personal Finance: Review Your Finances Before The Start Of The New Year
Foster & Motley Financial Planner and Shareholder David Nienaber and Financial Planner Joe Patterson join us, along with Chris DeSimio, financial advisor with Wells Fargo Advisors in Cincinnati, to discuss year-end tax and financial strategies …
Read more on WVXU

Consumer Reports – Great gifts for food lovers
Ninja Nutri Ninja Pro, $ 90. Personal blenders feature a smaller blending container that doubles as a travel cup — perfect if the giftee likes to take his or her morning smoothie on the go. Ninja’s version beat out the other half-dozen tested models by …
Read more on Richmond Times-Dispatch

Five-minute guide to falling payouts from companies
Damien Fahy, founder of personal finance website MoneyToTheMasses.com, says firms tends to cut their dividends following a drop in profits: “For example, Sainsbury’s and Tesco have been hit by the rapid growth of Aldi and Lidl. “It is bad news for …
Read more on Express.co.uk

Personal Finance: Five things to do with an unexpected inheritance
Skilled financial or tax experts can help you review what you’ve done so far with your money and suggest ways to make your personal savings or investments go farther. Having this relationship in place before an expected – or unexpected – windfall is …
Read more on Your Houston News

Latest Personal Finance News

Image from page 19 of “Annual report of the Secretary of the Treasury on the state of the finances for the year ..” (1876)
personal finance
Image by Internet Archive Book Images
Identifier: annualreportofse1960unit
Title: Annual report of the Secretary of the Treasury on the state of the finances for the year ..
Year: 1876 (1870s)
Authors: United States. Dept. of the Treasury
Subjects: United States. Dept. of the Treasury Finance, Public
Publisher: Washington : G.P.O.
Contributing Library: U.S. Dept. of the Treasury, Treasury Library
Digitizing Sponsor: U.S. Dept. of the Treasury, Treasury Library

View Book Page: Book Viewer
About This Book: Catalog Entry
View All Images: All Images From Book

Click here to view book online to see this illustration in context in a browseable online version of this book.

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p 5 o a O Oj CO CA cog 2gS few > cj So a> of XVI ANNUAL REPORT ON THE FINANCES Treasury Department,Washington, D.C., January 17, 1961. Sirs: I have the honor to report to you on the finances of theFederal Government for the fiscal year ended June 30, 1960. Folloving the interruption caused by the steel strike in the fall of1959, production, employment and personal incomes in the economyas a whole reached record levels during the early months of the calen-dar year 1960. Thereafter, inflationary pressures subsided and aleveling off occurred, followed by declines in some indicators. The Government ended the fiscal year with a surplus of .2 billionof revenues over expenditures. These results were particularly grati-fying since they represented a striking change from the budgetarydeficit of .4 billion in the preceding fiscal year. This achievementwas aided by the vigorous rebound of our economy and by the widesupport which the President received in his program for shifting theF

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10 biggest income tax changes to plan for in 2016
Tax time is nearly upon us again, and 2016 will bring some tax changes you need to know about. By learning about them before the New Year, you’ll be better able to take steps that will leave you prepared both this year and next. Let’s look at the 10 …
Read more on USA TODAY

Brian Kuhn Author
It just might be here before you know it. Brian Kuhn is a certified financial planner at PSG Clarity, a division of Planning Solutions Group, who lives in Odenton with his wife and two daughters. You can reach him at 301-543-6035 orhttp://www …
Read more on CapitalGazette.com

Master Personal Finance Basics

Managing your money effectively provides incredible rewards in your life, including more free time to pursue your interests, better means to help your loved ones, travel etc. Yet I am constantly surprised at how many people have not been taught the rudiments of finance, the personal finance basics that if followed undoubtedly lead to increase and wealth. Let’s cover some of these personal finance basics that will serve you well as you begin your life of healthy financial management.

The first rule of personal finance and most basic precept that must be absorbed for successful money management is to believe that managing your money is important and deserves focus and energy. You are capable of managing your own money, and making sound financial decisions with your own given common sense. Finance and money management is not magic, it is not so complicated as necessitating a high paid expert to tell you how to spend your money. Develop your own common sense money instincts and then follow them over the advice of any others, ultimately you are responsible for your personal finances.

The next personal finance rule is to focus on spending less than you make and earning more than you do today. Personal finance basics are all about discipline, and setting yourself on a long term track for growth with sound financial habits. Set yourself up for success with a constant focus on reducing your monthly spending and increasing how much you make. This should be a constant, lifelong, focus and worth of your effort. Learn the use of budgeting and projecting as tools to help you understand your financial present, past, and future.

The next basic rule of personal finances that will lead to your success is to make understanding how money works important in your life. Dedicate a little time in your life to understand the various financial instruments, investment tools, and successful business practices that exist today. In creating wealth you will have extra savings in need of investment and you should know what the options are available to you. Mastery of personal finance basics will lead you to more advanced financing techniques, constantly expand your capabilities.

Finally, it is essential to give back, and learn the power of giving. A tried and tested staple of personal finance is the incredible rewards of giving. Create excess in your life and then freely help those in your life you can, when you can, with money, charitable donations or other tools. Why it works, this article on the basics of personal finances is too short to cover, but giving 10% of what you make each month will bring back much more.

In summary, master the personal finance basics, your life depends on it.

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Personal Finance Goals

Although for a few personal finance can come all-natural, for all the concept of balancing their particular month-to-month income against their economic responsibilities may be a disheartening task. Some find it hard to create money aside which necessary for electrical bills, water bills, insurance coverage and become not able to pay some of their requirements when they come due.

But managing your private finance sheet need not be this difficult. Numerous financial experts advise you need to produce a list of all of his / her responsibilities that needs to be met each month. After causeing the number, you need to just take their web month-to-month earnings to see how it stacks facing all expenses that he / she has actually determined are must pays.

After doing this, your private finance news come to be simple and easy. The toughest component is sticking with the list and making certain everything that is considered absolutely essential is fulfilled. After you have an awareness of these monthly requirements versus their month-to-month earnings, he/she should also add an amount of cost savings toward list that contains the need to pay bills.

It is suggested by practically every economist that one needs some form of month-to-month cost savings plan. It is possible to never inform whenever alternator may fail in your vehicle or once the wind blows your display screen home from its hinges during a bad storm. By having some kind of checking account, one will be able to make any required repair works to his or her private residential property. Most likely, for many people a car is necessary getting all of them be effective which means this checking account would virtually resemble an urgent situation account also.

In addition, there are lots of ways in which one can reduce his / her month-to-month costs. The capacity to prepare yourself instead of dining out are a terrific way to save cash. Making sure your car is correctly tuned can greatly increase a person’s gas mileage, which will be one other way to reduce your month-to-month expenses. When creating a summary of an individual’s monthly priorities, make sure to aspect in expenses such as fuel, dining out, as well as other things you may put money into. It’s not just your power bill and mortgage which takes away from your important thing. Anywhere there is certainly cash being spent regularly is open game to contributing to your list.

Red riches Zone (redweathzone.co.uk) is an internet site that delivers general private finance development. The website is aimed at providing its visitors with basic principles and course about one’s company finance development

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Red Wealth Zone (redweathzone.co.uk) is a web site providing you with general private finance news. The web site is dedicated to offering its site visitors with basic rules and way about a person’s business finance news

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Personal Finance

Personal finance means an application regarding finance’s principles to decisions relating to money of a person or unit of family. It shows paths according to which families or individual obtain, save, spend or budget resources of money over longer period, considering various risks of finance as well as future events of life. Personal finance includes payment done for purchasing insurance (property or health insurance) or buying any asset, or on education etc. Personal-finance’s components may include savings-account and checking, credit-cards as well as consumer debts, making investment in stock-market, plans for retirement, and benefits from social-security, policies of insurance and management of income-tax.

The key factor of the personal-finance includes financial-planning. Financial-planning is considered an active process which requires continuous monitoring as well as re-evaluation. Generally planning for finance involves five basic steps, which are mentioned in detail below:

Assessment – Financial condition of a person cab easily be calculated through compiling uncomplicated editions of the financial-balance-sheet as well as statements of income. Balance-sheet of a person shows value of the personal-assets (like for example car, clothes, house, accounts in bank or stocks) as well as personal-liabilities (like for example bank debt, credit-card loan, mortgage etc.) a statement of income of an individual lists all personal expenses and income.
Setting of goals – There are 2 examples for which goals can be set i.e. (a) retiring at the age of 65 having personal income of say $ 1,000,000 (b) buying house or a property in three years by paying monthly cost for mortgage-service which does not extend to 25 percent of total gross-income. It is very common to set in mind many goals, including mixture of both short period as well as long period goals. Setting goals according to finance available helps in directing financial-planning.
Creating plan – A plan for finance shows the path that how a set goal be accomplished. It might include say for eg reduction of unnecessary and unwanted expenses, finding different source for increasing the income through employment or investing some money in the stock-market as shares or debentures.
Execution – For executing personal-financial-plan of an individual perseverance as well as discipline is required often. Many can contact professionals for obtaining or getting assistance. The professionals can be accountants, investment-adviser, lawyer or a financial-planner.
Reassessment and monitoring – With the passage of time personal plan for finance of an individual should be supervised for making possible reassessments or adjustments.

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This article has been compiled by Classof1.com, a leading online Homework-Help provider.

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Ramit Sethi explains the basics of personal finance. http://cr8.lv/1OWLAMfyt

New York Times best-selling author Ramit Sethi has taught over a million students how to better manage their money.

In this clip from his online course, Money + Business for Creatives, Sethi gives an overview of how his approach to financial thinking will help you reach your personal finance goals by teaching you how to spend, save, and invest your money.

Sethi introduces a system for managing and thinking about your money so your creative business can thrive.

Access the complete online business class: http://cr8.lv/1OWLAMfyt
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