Personal Finance Guide
Bookkeeping – it’s dull, it’s boring, it’s not always necessary, but it sure is a vital way to stay on track when you’re the owner of a small business. Bookkeeping is, essentially, keeping a regular financial log of all the activity taking place in your business. Many people do not think it fits in with the long-term goals of a business, but in terms of planning... [Continue Reading]
The appeal of credit cards lies in the fact that it makes it easy to get just about anything you want. Fancy a new wristwatch? Just give your card, and it's all good. Love that new pair of shoes? Here you go. Swipe the card and you walk away with the shoes.
All these are possible without spending cash. That is why it is so easy for many people to get into and continue to remain in debt. Your... [Continue Reading]
You might think that a traditional pension is your best option for saving for retirement, but is that really the case? If the circumstances are right, you may get better returns by starting a self-managed super-fund. While both pensions and super-funds have the same end goal of providing you with a comfortable retirement, they have very different ways of achieving these outcomes. Here is an... [Continue Reading]
As we get older and reach retirement age, lots of us have to ask for help at home for ourselves, or for a partner. Whether we chose to access care at home or in a specialist setting, it costs money. Not many people have the income to support long-term care out of their own pocket, and if you're in this situation you might be looking for alternative options. One of these options is equity... [Continue Reading]
If you’re like the majority of people in the world, you likely never think about things like your credit score or credit report – at least not unless you’re actively trying to borrow money or buy a house, in which case your every thought probably centers on those two things. Most people think that their credit, good or bad, only impacts their lives when they’re... [Continue Reading]
Given the high competition in the current job market, earning an MBA is essential for anyone who aims to secure a top management position. A graduate degree increases your marketability and affords you the opportunity to switch careers. Thus, despite the lengthy period that one has to spend in the classroom to earn the degree, the investment made is always worthwhile.
In the course of taking... [Continue Reading]
When the paternity of a child is called into question, it can have all kinds of effects on every person involved. There may be pressure on the grandparents, stress on the alleged father, stress on the mother, and even stress on the child involved. Some people might choose to wallow through this stress because even the thought of an actual paternity test seems too expensive. A home paternity... [Continue Reading]
Negotiating a salary can be an awkward situation. There seems to be a taboo around discussing personal financial matters, especially amongst British people. We are not good at haggling – it is just not in our nature.
Negotiating a wage requires nerves, bottle and a little bit of cheek. These are qualities that the top sales people tend to have. For us mere mortals,... [Continue Reading]
Baseball is heralded as America’s pastime and will always be imbedded into American culture. The game that simply uses a stick, ball, and glove has produced years of legendary games and iconic figures. From Babe Ruth’s called shot to the incredible comeback of the 2004 Boston Red Sox, baseball captures our imaginations and has developed into a lucrative worldwide business.... [Continue Reading]
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Personal Finance News
Robert Kiyosaki, Dave Ramsey and 10 Additional Personal Finance Experts to ...
(Nov 21, 2014, Go Banking Rates)
Veteran personal finance journalist Robert Powell answers your questions for USA WEEKEND. I am over 50 years old. I contribute to my 401(k) weekly, and so does my employer. After I reach $17,500 in contributions in one year but continue with weekly ...
(Nov 21, 2014, USA TODAY)
There are hundreds of books, millions of personal financial advisers, and billions of web pages devoted to instilling sound personal finance behaviour in people. But, if we're all very honest, it comes down to just four basic principles. That's right ...
(Nov 20, 2014, BizNews)
Primary Fixed Rate Mortgage Yields Drop 0.02% To 0.03%, And 30-Year ...
(Nov 20, 2014, Seeking Alpha)
Primary Fixed Rate Mortgage Yields Drop 0.02% To 0.03% And 30-Year ...
(Nov 20, 2014, Seeking Alpha)
WASHINGTON (MarketWatch)—Mortgage-finance giant Fannie Mae cut its outlook Thursday for home-loan rates in 2015, but cheap monthly payments may do little to bump up residential sales, experts said. The federally controlled mortgage buyer's latest ...
(Nov 20, 2014, MarketWatch)
Fixed mortgage rates edged lower this week, with Freddie Mac€™s survey of lenders showing an average of just below 4 percent for 30-year fixed home loans. Lenders told Freddie they were offering 30-year loans to solid borrowers at an average of 3.99 ...
(Nov 20, 2014, The Republic)
Intuit's Mint iPhone app updated with faster personal finance tracking ...
(Nov 20, 2014, 9 to 5 Mac (blog))
The 30-year mortgage rate started the year at 4.5% amid expectations it would rise, but it instead trended down and has been in the 4% range since mid-October. This week's comment from Freddie Mac's chief economist, Frank Nothaft, showed mixed ...
(Nov 20, 2014, Los Angeles Times)
FHA-Streamline Yesterday, mortgage backed securities started the day flat, and ended the day flat. In between there was some volatility. Mortgage rates remained approximately the same, for what seems like the umpteenth day in a row. (For the ...
(Nov 20, 2014, Mortgage Rates & Trends (blog))
WASHINGTON (MarketWatch) -- The average rate for a 30-year fixed-rate mortgage declined to 3.99% in the week that ended Nov. 20 from the prior week's average of 4.01%, according to a Thursday report from federally controlled mortgage-buyer Freddie ...
(Nov 20, 2014, MarketWatch)
... · Did you stick to your budget for 2014? Take time to set a realistic budget for 2015. · How much did your financial picture change from 2013 to 2014? Did your net worth increase? Were you able to reduce debt? Are your retirement savings accounts ...
(Nov 20, 2014, WZZM)