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Personal Finance Guide

5 Ways Credit Cards Can Help You if You Use Them Wisely

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]

A Self-Managed Super-Fund or a Pension? What's the Best Option for You?

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]

Can Equity Release Help Me Pay For Long Term Care?

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]

Bad Credit Isn’t Just About Loans

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]

MBA Programs: What To Keep in Mind before Enrolling For an MBA

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]

Straight Answers on Paternity Testing

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]

5 Things to Avoid When Negotiating Wages

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]

How much does a baseball pitcher make?

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]

UseFul Tips on How to Successfully Refinance Student Loans

Today more and more graduating students are leaving college with unprecedented amounts of student loan debt to repay.  With a weak job market and an economic recovery only now starting to gain traction, some students are finding it increasingly difficult, if not impossible, to repay this debt.  Faced with the prospect of ruining their financial record before it actually begins, many... [Continue Reading]

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Personal Finance News

Can we switch to a buy-to-let mortgage?
On your residential mortgage that you'll need to take out to buy your new home, your mortgage rate would have to jump to 6.5% to exceed the £2,200 you consider to be affordable (assuming a £325,000 25-year repayment mortgage). Be aware when ...

Freddie Mac: Average 30-year mortgage rate slips to 3.97%
Low mortgage rates are on the holiday menu for home buyers, with lenders surveyed by Freddie Mac offering 30-year fixed-rate home loans this week at an average of 3.97%, down from 3.99% a week ago. lRelated Many seniors trying to retire with a ...

Mortgage Rate Black Friday Sale
"There have only been two days in the last 18 months where mortgage rates have been as low as they are now," said Gibran Nicholas, chairman of CMPS Institute, an organization that trains and certifies mortgage bankers and brokers. "Mortgage rates are ...

Savers 'are losing £19bn in hidden fees'
Millions of people with money invested in funds and pensions are being failed by an industry that is charging excessive, unfair and often hidden charges that total billions of pounds, according to the Financial Services Consumer Panel (FSCP). The body ...

30-year fixed-rate mortgage stays below 4% in latest week
WASHINGTON (MarketWatch) -- The benchmark 30-year fixed-rate mortgage fell to 3.97% in the week ending Nov. 26, down from 3.99%, mortgage buyer Freddie Mac said Wednesday. The 15-year fixed-rate mortgage averaged 3.17%, the 5-year ...

Five "urban myths" of personal finance
LOUISVILLE, Ky. (WDRB) -- Figuring out money and how to make it can take a lifetime. But figuring out the truth about money is a mystery for most of us. Financial expert Mark Lamkin from Lamkin Wealth Management explains some urban myths people hold ...

11 steps to improve your credit score
Get a personal loan to pay off credit-card debt. You can improve your credit score by paying off the score-damaging revolving debt of credit cards with the score-benign installment debt of a personal loan. And the interest rate on the loan is likely to ...

Personal Finance: Working While Receiving Early Social Security Benefits
Deciding when to begin taking your Social Security retirement benefit is a very important decision for several reasons. When you start your benefit affects how much you receive insofar as there is a reduction for starting benefits before your full ...

Personal Finance: Black Friday losing its mojo
Millions of shoppers will once again arise before daybreak on Friday morning and descend into the traditional commercial Bacchanal that is Black Friday. But given the hyper-competitive nature of the retail business and the expectations of bargain ...

Thirty-Year Mortgage Rate Falls in Latest Week -- Zillow
The 30-year fixed-mortgage rate on Zillow Mortgages, which tracks mortgages on the company's website, was 3.77%, compared with 3.82% a week earlier. "Rates eased last week on Europe's weak economic data and the unexpected rate cut from China's ...

30-Year Fixed Mortgage Rate Creeps Further Below 4% for the Eighth Straight ...
30-Year Fixed Mortgage Rate Creeps Further Below 4% for the Eighth Straight ...

Mortgage Rate News for Tuesday, November 25, 2014
There's not a whole lot to say today. Mortgage backed securities rallied yesterday in the absence of any real meaningful economic data. Even though the Fed's Quantitative Easing program has wrapped up, the Fed is still making reinvestment purchases of ...

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