Business Finance Options
Even in the current economic downturn many businesses are starting up and others are spotting new opportunities for growth. To get a start up, or a new project off the ground quickly a business will often need to borrow money. If you were to just listen to the news reports you’d be forgiven for thinking that finding finance to run, or better still grow, your business was an insurmountable task at the moment. If you have a project you need to get off the ground then finding the backing shouldn't be a big hurdle with the right preparation and knowing where to look. The Business Case: … [Read More...]
How To Stay Motivated To Stick To A Budget
February is here, and that means many of us are losing steam when it comes to our New Year’s Resolutions. While I’ve already accomplished some of my New Year’s Resolutions, I’m still lagging when it comes to others, like running regularly and eating better! In fact, when I think about it, sticking to an exercise plan is very similar to sticking to a budget. They both take a significant amount of time, dedication, hard work, and accountability. So, how can I stay motivated to run and at the same time, stay motivated to budget? Well, that’s easy. The same principles apply! … [Read More...]
Should You Own a Vacation Home - Or Just Rent One When You Need To?
There’s probably a time in nearly everyone’s life when they contemplate owning a vacation home. It could be a lot of fun, and owning another piece of real estate can be a real boost to your retirement plans. But owning a vacation home can also be more complicated than owning a primary residence. There are a number of factors that should be considered before buying a vacation home to determine if it’s the right decision for you. When owning a vacation home makes sense There can be strong reasons for owning a vacation home. When you like one particular place. If you develop a … [Read More...]
Protect Yourself from Economic Crime
Economic crime is on the rise. Identity theft, Ponzi schemes, and insurance fraud have become all too commonplace. In both the United States and abroad, economic and specialist crime units are now as plentiful as homicide units, and frequently as busy with their caseloads. Corporations and individuals now employ their own private teams of economic crime managers. For the worst reasons imaginable, a whole new career path is opening up, and its potential is seemingly as unlimited as that of economic crime itself. A masters degree in Economic Crime represents a doorway to a compelling and … [Read More...]
Short Term Solutions for a Cash Flow Shortage
The first couple of months of the year are the worst for many of us when it comes to our finances. All of that Christmas spending can add up and if you’ve been paid earlier than usual it may well seem as if payday is never coming around. There are some short-term solutions you can put into place if your situation feels desperate. Short Term Loans Generally these are only advisable for very short term borrowing and they are designed as such. You obtain the cash extremely quickly and lenders will assess you based on factors such as whether or not you have a regular income. Consider this … [Read More...]
Green Energy Versus Brown Energy: Cost and Investment
In today's economy, the costs of almost everything are rising at an alarming rate. In the last few years, energy rates have shot up substantially compared to how slowly they grew over the last century. Thanks to new regulations, local electricity rates are projected to increase substantially in the coming years. When dealing with electricity, you can choose between brown energy and green energy, depending on your situation. What's the difference between the two and how can they impact you? Brown Energy Brown energy is the traditional type of electricity that is produced through the … [Read More...]
Why Gardening and Investing are More Similar Than You Think
I’m the first person to admit that I completely lack a green thumb. In fact, I’ve managed to kill just about every house plant I’ve ever owned. However, if there’s one thing I’m determined to do, it’s save money. Recently, I visited my in-laws over the holidays, and I watched my father-in-law work in his garden. Now, I’ve known my father-in-law for 7.5 years, and I’ve enjoyed the fruits (literally) of his labor for a very long time. However, it wasn’t until I sat there watching him that I really started think about how much money he has saved over the years just from using … [Read More...]
Finally Buying A New Car
When the time comes to buy a new car, you may feel overwhelmed. There are a lot of cars on the market, and you may not know where to start. What must you keep in mind? You do not have to feel scared or worried as you buy a new vehicle for your household. The information below may help. 1. Discover the Model That You Wish To Buy Before you drive to your local dealership, it is an excellent idea to determine what car may work for your household. Will you use this car to go to work? There are many websites on the Internet that may assist you in your search. You may look at online auction … [Read More...]
15 Easy Ways To Exercise For Free
Like most people, one of my New Year’s resolutions was to get into better shape. While I am not overweight, I’d have a lot of trouble running a mile (unless a bear was chasing me.) So, I vowed to at least be healthier. The only problem is that I’m as frugal as they get! So, I was very hesitant to join an expensive gym just so that I could add a few muscles here and there. To fix this problem of needing to work out but not having a clear plan to do so cheaply, I began to brainstorm ways that I could get in shape on the cheap. Below is the result of that brainstorming session. I hope … [Read More...]
At What Age Should You Consider Life Insurance?
If you have been considering getting life insurance, then you may be wondering if it is actually worth it. You may think you are too young, or you may even think you are too old. You may wonder if anyone would benefit from you having life insurance. There are obviously many things to consider. And while many people ask at what age they should consider life insurance, there is no concrete answer. Getting life insurance will depend entirely on your situation. In your twenties If you’re in your twenties, it’s unlikely life insurance is your top priority. You may worry about getting a … [Read More...]
The Simplicity of Living Beneath Your Means
Complicated strategies and theories fill the personal finance blogosphere, but you can put them all together and none of them have the effectiveness of one very simple concept: living beneath your means. An oversimplification? Read on. More money for savings If you’re always living beneath your means, even if it’s only by a little, you will always have money for savings. Even if you only bank 5% or 10% of your net paycheck every month, your savings are perpetually on the rise. The longer you’re able to do that, the closer you will come to true financial independence. Because you … [Read More...]
Easy Ways To Protect Your Money
Are you doing everything you can to protect your money? We spend most of our days working very hard to support our families and pay our bills, but a surprising few take the steps to ensure that their money and their credit is safe from those who want to abuse it. We currently live in a world where identity theft is rampant. Technology has advanced at a surprisingly rapid pace, and those who want to utilize it for harm can easily do so. So, what are we to do to ensure that our hard earned dollars are safe? Below are a few ideas. 1. Check your credit report every year. It only takes a few … [Read More...]
