It’s a sour economy and the unemployment rate is still uncomfortably high. Does this mean your job choice should be any job that’s offered to you? Not so fast. If you have been out of work for a while, you might be feeling a little desperate. However, the unlikely career advice might be not taking a job. Even rough times require you to think strategically about the future. Continue reading
Personal finance does not have to be a tedious, stuffy affair. There are hundreds of finance bloggers that put a humorous spin on economic independence and teach consumers about finance. According to WiseBread.com, here are the top five personal finance bloggers—to both inform and amuse: Continue reading
Small businesses face challenges from many sources. External sources can be anything from competition in the area or banks turning down your loan request. Internal challenges would be anything involving you, your staff or your clientele. It could be a question like how to get a cash advance loan?. In this article we will examine four challenges that small businesses go through and how to overcome them.
There’s no quick way to fix your credit. While damaging your credit seems so easy, restoring it takes financial discipline and attention to detail. Here are a few initial steps to achieving a credit score that you can be proud of. Continue reading
The economic news out of Europe has not improved with the UBS rogue trader scandal. According to information gathered from The New York Times, the Swiss bank lost $2 billion from proprietary trading within its investments division. Add this to the crises in Greece and Spain and the declining Euro in world currency markets and it’s clear that investments in Europe will have significant risks. Continue reading
Getting into the stock market requires an investor to know what to invest in. Common sense investors looking to build stable portfolios need to avoid a “get rich quick” mentality and buy stocks based upon careful research and proven growth in companies. Consider these following tips before you invest in a particular company. Continue reading
The costs of getting an education rise each year, while our incomes decline. The Great Recession has made everything involving money and financing difficult, including going to universities and college. However, in our difficult financial climate, the price of not getting a college degree is even more costly. Parents must learn about financial aid and apply for student loans long before the first application is completed. Continue reading
Filing for bankruptcy should be a final resort for individuals who have fallen behind on their debts and cannot continue paying their creditors. Here are some basic instructions to think about before you file for bankruptcy. Continue reading
According to the U.S. Small Business Association, starting a business isn’t as easy as setting up shop and unlocking the door for customers. It’s a lengthy process that, if people are patient and follow each step, can reward entrepreneurs with a quality work environment for business and profits. Here are five tips from the SBA to help you plan your new venture and start a business. Continue reading
During these tough times it might have crossed your mind to find a get rich quick scheme or invest in something with a quick turnaround. Among some of the well-known options are investments in a home twice the size you’re used to, stock trading, investments in a 401k, and lack of or too much saving. Continue reading
Here are a few methods of saving money and adopting budgeting skills with your brood: Continue reading
Times are tough. Everywhere you go; negative financial news seems to follow.
For many, saving is getting harder.
You may be realizing that the time has come for belt tightening. Even if you are still doing well, to make it through this period of economic instability, you may have to live with a little less and figure out where to save.
If you find you have “more month at the end of the money,” consider how to save and keep things from seeming too… stressful. Continue reading
No one should simply jump into investing, at least not without some sort of idea about what he or she is facing. There are some excellent books on investing and finance; listed here are only five of the best books about investing. Continue reading
If you’ve ever wondered why a person just doesn’t seem to warm up to you, there’s a book for that.
Being a small business owner means there are not enough hours in the day for you to accomplish everything you want to do. Your time is one of your most precious resources. It would be a mistake to skimp on your learning opportunities, however. Read everything you can about leadership for small business owners in your spare time, and be sure not to miss these titles. Continue reading
Most American workers commute an average of 25 minutes from their homes to their jobs. Some people travel further, up to an hour or more each way just to get to work. Taking a job with a long commute can be worth it, but you need to stop and think about what you will be giving up in order to make that trip every day. Here are some things to consider. Continue reading
The cost of living, no matter where you are, has risen in the last 10 years. So where can you find the cheapest place to live? There are common expectations for the east coast to be a little more expensive, but the west coast has snuck up, as has the price of living. So where does that leave us? The central, mid-western part of the United States appears to have the most affordable real estate market. Continue reading
The U.S. dollar may be plummeting in value, but when you buy gold, your investment remains as stable as the day it was first utilized. The value of gold goes beyond its with as a currency is a currency. Man-made currency such as paper or commonly occurring metals do not come with the value of gold. The wavering ecomony is driving more people to buy gold. Gold is up 27% in worth since its April 2001 low.
In stock trading, Exchange Traded Funds (ETF) are considered by many to be something of a crossbreed that some people choose to invest in when they buy stocks. They are likened to when you invest in indexes, since ETF’s can go up and down. However, at times they can also appear more like equity. Continue reading
Keeping your car well maintained and tuned up is the key to avoiding costly repairs and mechanical breakdowns. Unless you know a lot about cars yourself, you will need to rely on a good mechanic to help you take care of your car. But what exactly makes a mechanic good? Continue reading
Owning real estate is a serious responsibility. It can be extremely challenging—even during good times. In this period of economic uncertainty, real estate listings include many foreclosures. Continue reading
There is always a long list of debate topics when it comes to parenting and education. Should mothers work or stay home? Is homeschooling better? Should the Pledge be mandatory? Why do kids need art? Continue reading
While it is always nice to get a tax refund after you file your federal taxes in the spring, what you are getting back is actually your own money. Some people like saving by paying more taxes than necessary during the year so that they get a sizeable refund, and others like to keep as much money in their paychecks as possible during the year. It can be a challenging balance in deciding how much to withhold in deductions when you fill out tax forms for your employment. Continue reading
Small business owners may be talented at the core of their business, but struggle managing the finances. Most often, they are not trained in the finance side of things, and fall prey to some common business hazards. Continue reading
Halloween has finally passed, so that means that all of those Christmas decorations that stores had been hiding in the back are in full view, reminding everyone that they better get their list and check it twice. The biggest shopping day of the year is about three weeks away, where will you be? Sleeping? Standing in line? Sitting at the computer waiting for prices to drop? I guess this all depends on who is opening first and slashing the most. Continue reading
Financially speaking, there are good reasons to lease a car and good reasons not to. If you are someone who does not care much about cars, like my sister who drives a 123,000-mile beater that is missing a side mirror and in desperate need of an oil change, leasing is probably not for you. Keep driving that Datsun. But if you really love nice cars like my other sister, who is overly protective of her sleek red Acura but knows she’ll want something different in two or three years, leasing might be a good option. Here are your pros and cons for leasing a car: Continue reading
It can be an awkward situation for all parties involved when friends need to borrow money. It’s usually no big deal if someone needs five or ten dollars to cover lunch. But what if there is a large expense that they need help with? What if they ask you for hundreds, even thousands of dollars? Continue reading
The debt snowball method is a debt reducing strategy. How does it work? If you are in debt on more than one account, pay off the debt starting with the smallest balances first, while paying the minimum on the debt with larger amounts owed. Once the smallest is paid off you move on to the next smallest debt. This is an effective form of debt management that is most often applied to repaying the revolving credit that keeps you in debt, like credit cards. Continue reading
Simply don’t use one!
Look around, see any payphones? Exactly. So yes, you have to have one, like it or not.
But it doesn’t have to be so expensive.
Here are some tips you can use:
When you’re shopping around for someone to trust with your money, you are bound to be showered with positive messages in reference to a squeaky clean record.
Innovation in business is one of the most rewarding—and difficult—ways to be successful. If it hasn’t been done before, then now is the time to do it! Continue reading
In order to stay competitive and popular, brands need to spend money on advertising and marketing. But they also need to be great. No matter how much money is spent to convince consumers to love you, if your product is unlovable, your brand will be too. Here are three brands that I have always loved. Which brands have earned your enduring loyalty? Continue reading
Investments through investment clubs are a way to make money by investment collaboration. Many people join the club and invest their money together. Investment clubs have been in the United States since the nineteenth century and for years were seen as a good way to make investments. Continue reading
College can be a pivotal experience in a person’s life—it can also be one of the most expensive. It does not have to be that way, though. There are several options available for college students—whether clean out of high school, or returning to school after a long absence. Continue reading
There is no questioning the popularity of mobile banking. It has given customers an opportunity to manage their finances anywhere, anytime. Convenience is the foundation of mobile banking, but there are also a few drawbacks—such as the risk of identity theft. Continue reading
If you are interested in saving money this year, don’t forget to examine your insurance policies. You’d probably be surprised to learn you have duplicate coverage, or could be saving on coverage that just doesn’t make sense.
The New Year is always a good excuse to get back into the swing of things. Set up your budget, get the kids on the right track with school, get the dogs into obedience class, and commit to calling your mother-in-law, are all things that you can pick back up after “accidentally” ignoring them during the busy holiday season. But what are some things you need to stop doing as we enter into 2012? Everything is about money these days and getting out of debt should be a priority. Follow these 6 tips for managing debt, and before long you may find you are no longer in debt. Continue reading
Tax time is approaching, which is great news for those who are expecting healthy refunds. I usually have to pay, so I slouch towards the filing deadline with a combination of dread and terror. Whether tax time means you have money coming or going, it helps to be organized. Put together a tax toolbox that will make it easy to manage and file your taxes. Continue reading
Many people don’t bother thinking about budgets and dream that their wedding will be a grand affair—announcing their love in front of a huge crowd of family and friends. However, for each notion of grandeur, there are those who want their wedding to be small and intimate. For them, eloping is the answer. Continue reading
Saving money is the key to surviving this tired economy. If there is a way you can make budgeting and saving money priorities, it will really begin to add up. Even if you are just making it by, imagine the possibilities for using that extra money—going on vacation, paying off a bill, or making renovations to your house. There are some pretty extreme and creative ways that people are saving money. Here are five extreme budgeting tips that just may send you on your next luxury cruise, or help you pay off that credit card bill from Christmas. Continue reading
Knowing how to write a resume can be an entree to your next job or doom you to oblivion, take your pick. Continue reading
So, let’s say you have an extra $25.00. Do you order in some pizzas, spend it on a couple of nonfat vanilla lattes, try your luck in some online casinos, or try investing it? I hope your answer was you plan on investing every cent. Because with the three other options, the $25.00 would disappear very quickly, but when you decide on investing it, that $25.00 would most likely grow, and after time turn into a figure with an extra zero or two at the end. Forget the pizza and the lattes, and take a wise gamble. Even though it’s only $25.00, there is plenty of smart ways of investing it.
With a new generation of workers born in the late 80′s and 90′s—Gen Y, or “Millennials“—entering an already crowded job market, they will need career help unique to our age. As they begin choosing a career and where to work, they confront a decidedly 21st century problem.
Their predicament? Continue reading
If you have the hots for a fellow employee, a blog post is probably not going to stop you from dating. Your employment handbook might, so make sure there are not any rules against fraternization. Consider these what-if situations as well. This could help if you decide to start up a romance with another employee or if the employee handbook allows it. Continue reading
Whether you want to return a dissatisfying product, or inform a business about a problem you encountered with them, there are a lot of ways to approach the situation. Everyone complains now and then, but many people go about it in the wrong way, which can ultimately leave them with no progress on the issue. Here are some tips to effectively communicate your complaint.