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What makes one person more capable of making wise informed financial decisions, more than another person? Maturity? Experience? Intelligence? Education? Most likely, it's a combination of experience and common sense. There's no lesson quite as meaningful as the one we learn from a bad first-hand experience so, very often, the best advice will come from someone who's been burnt financially in the past!

It might seem that it's wise to never ever borrow and just live within our means throughout our whole lives. While there's certainly something to be said for that, debt is not always a bad thing. It's not necessarily wise to suggest to a young person or a potential mortgage-holder that they simply resist the urge to borrow. Effective debt-management often makes a great deal more sense than a total lack of debts in the first place. After all, one of the main criteria that banks use when assessing an applicant's suitability for a loan is credit rating i.e. the applicant's history of borrowing and, more importantly, history of repaying.

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The formula for growing your bank account is actually very simple. Either you bring in more money, or you spend less money. So what is the most successful approach? As in many other parts of life, moderation is the key. You will have greater success with your financial goals if you do a little bit of both decreased spending and increased earning. Focusing on one or the other instead of both can create too much stress for too little outcome.

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The National Center for Health Statistics positively reports that life expectancy for our elderly population has increased to an average span of 80 years old. The reaction to these statistics have been mixed, with some looking optimistically ahead while others are dreading what these longer years of retirement mean for their finances.

Your quality of life today can help determine the kind of lifestyle you will lead upon retirement. Financial websites like TotallyMoney.com explain that while many of us are busily preparing for the more immediate future, those who start planning their retirements early on are those who will live more fulfilling post-retirement days. Experts further explain that as retirement becomes one of the most critical phases in one's life, ensuring that you have enough assets to maintain a quality living standard is a must.

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Have you got a great idea for a start-up, but are wondering how to get it off the ground? You’re not alone - this is a problem that many (if not most) businesses will have to face eventually, either to temporarily patch up cashflow issues or to accelerate growth. Funding a start-up with no financials can be a little tricky (especially now) but it’s still possible – here are some options:

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It has been a long slow slog back from the brink of disaster, but General Motors seems to finally be back on track. In fact, they have already paid back all the money they borrowed from the United States government in 2008 in order to avoid bankruptcy. Sales of their big trucks and SUVs have rebounded, even as gasoline prices continue to climb and their new small car market share, led by the new Chevrolet Volt, a gas-electric hybrid vehicle only just released this year, they are poised to reclaim the title of the world largest automobile maker back from Toyota.

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With the recent financial turmoil that has hurt even the most stable enterprises, small business are having difficulty acquiring the credit they need to push their company forward. In light of today's uncertain times, many conventional lending institutions have grown hesitant to the idea of lending to small business enterprises. It is in this scenario that purchase order financing becomes a necessary tool to help successful companies fulfill their goals and grow.

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Your tactics - the way in which you go about getting your business; your five year plan for example. These are all strategically considerations and having a business plan in place will help to ensure you meet your objectives. Regular review of such a plan is recommended for maximizing your success.

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The New MBA Student and the One-Year Course Goal Outline

Although procrastinators might care to argue the point, it is possible to start an MBA program and complete an entire course in one year. They would just argue the point later, if then. Meanwhile, the dedicated student is already en route to expanded career possibilities that a masters in business administration degree can award.

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This is a question that is weighing on most business owner's minds these days, especially since the banking crisis and the bailout debacle of late. Many of the big banks, that we were so certain were too large to have anything to worry about, failed. The small banks were almost expected to fail.  But that only makes one wonder if the business account is safe anywhere. The truth is it isn't.

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Pushpins coupons are a great idea. Clipping and sorting through reams of paper coupons can be time consuming and dull. The money you save using paper coupons is rarely worth the time you have to invest to find and use the coupons. Pushpins allows users to download a free iPhone app that they can use to scan items at the store. If there is a coupon available for that item, the savings is automatically transferred to the customer's store value card and will be applied at the register. Unfortunately, Pushpins is not as polished as it could be.