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Investment Guide: Financial Guide


Everything you need to know about life insurance

Understanding everything you need to know about life insurance is sometimes complicated and overwhelming. However, with this useful quiz, you'll learn more about life insurance policies and how they work so you can make a more informed decision about the right policy for you. Some of the multiple choice questions in the quiz will teach you what a guaranteed-issue life insurance policy is and who benefits from one, along with when you should buy a... [Continue Reading]

Easier to get quick loans online

Online payday loans have gained a lot of popularity in the recent past. In order to get a loan people used to wait for days after filling the form, now it has become easier to get quick loans online. Also with instant loan approvals the competition among the lenders has increased a lot. In case you are a genuine borrower and have repaid your loans in the given time period then there would be plenty of lenders ready to give loan proposals to you. Now... [Continue Reading]

5 Ways Accountants Can Make You Audit Proof

Except for Scientologists, nobody will ever win a fight against the IRS. Going through an audit is awful and what specific factors to look out for isn’t certain. But there are things you can do to lessen the likelihood of interacting with the IRS.  Here are 5 of those things.   5. Be ready to defend your deductions   The IRS is well aware that people will put deductions where they can. A good rule to follow is you should be... [Continue Reading]

How the Right Credit Card Processor Can Maximize Profits this Holiday Season

Is your business ready for the holiday season? Do you have plans in place for sales and advertising, and a good amount of inventory? While getting plans into place and stocking your inventory are important, you may be forgetting one more important thing for success- the right credit card processor. As you enter a season that is full of opportunities to increase your sales, make sure that your company is on the right track. Here are all of the... [Continue Reading]

How to Organize Your Tax Documents

Tax season is approaching and when it comes to your tax documents, it helps to be organized. This will save you time and energy when it comes time to file. If the IRS needs extra information from you, having organized docs will be a lifesaver. Luckily, organizing your tax documents shouldn’t be too difficult. Below is a list of tips that will help you whip your file system into shape. Use file folders, labels, highlighter, and any other... [Continue Reading]

Five Mistakes Most First-Time Homebuyers Make

Buying a home for the first time is an exciting moment in life. Because it is a big commitment, it is important that first-time homebuyers take their time through the house hunting process in order to make sure they do not make any critical mistakes that could cost them in more ways than one. In order to avoid a financial crisis after buying a home, here are five mistakes to avoid: Many first-time homebuyers purchase a home after they believe they... [Continue Reading]

This Retailer is Ordered to Pay $2.5 Million for Military Debt Collection

A furniture and electronics retailer is not the sort of company that you might normally expect to be involved in illegal debt collection activities. Nevertheless, this is exactly what one Virginia-based retailer that previously ran a store in Jacksonville has been accused of. As a result, the company is now required to pay over $2.5 million in restitution and a $100,000 civil penalty for illegal debt collection practices. The company in question is... [Continue Reading]

Massachusetts Town Meeting Spirals Out of Control

A town hearing in Massachusetts ended abruptly when the crowd became unruly, yelling, clapping and interrupting the speakers. The community of less than 8,000 became aggravated at the meeting Wednesday night when the proposal to ban sale items (cigarettes, electronic cigarettes and chewing tobacco) was discussed. If this ban is pushed through in Westminster, Massachusetts, this town will make history by being the first. However, the residents remain... [Continue Reading]

Infographic: How to Send Smart

Presented by SpendSmart [Continue Reading]

Surprising Factors That Affect Your Home Insurance Rates

Out of the all the begrudging expenses that you must incur as a homeowner – home insurance is usually the most frustrating. One of the biggest reasons why it is so frustrating is because you can never seem to nail down a rate that makes any sense. You may call one company and get a quote that is completely different from another agency’s quote. It can really make your head spin. However – unbeknownst to you – your insurance... [Continue Reading]

Equity Release: Lifetime Mortgage Versus Home Reversion

Faced with retirement on a pension of today's standards, lots of us are looking for a way to bump up the pot of cash we have access to in later life. If you're over the age of 55 and own your own home, equity release could help you gain a lump sum of cash, boost your monthly income, or provide a combination of both to help you to fund your lifestyle. According to research, the amount of people taking out a lifetime mortgage (a form of equity release)... [Continue Reading]

Consolidate Student Loans and Save

No one wants to be straddled with debt after years of being in the classroom training to become a doctor, business person or other professional. But that’s the situation facing many graduates today. Adding to the fact, securing your first job right out of college can be a real challenge--even for the most arduous job seeker. With only a six month grace period before student loans go into repayment, students often face having to pay back loans... [Continue Reading]

Electric Cars: Are they Really Eco-Friendly?

Electric cars have long been feted as the answer to the world’s vehicular-related pollution problems. They don’t run on petrol, therefore they don’t produce as many harmful emissions, or contribute to the ongoing depletion of the world’s natural gas resources. Most of the people who drive electric cars believe that they are therefore contributing positively towards environmentalism. But how environmentally friendly are electric... [Continue Reading]

Steps to Reducing Your Debt

Debt can be a significant issue that overtakes other considerations. Daily problems seem to compound the situation. The stress of dealing with this issue causes a wide range of difficulties, but there is a way to stop the cycle. Knowing the steps for eliminating debt from your life is the best way to begin a positive change. Write Down All DebtsStart by creating a list of all debts currently owed. This can help show you what needs to be the focus... [Continue Reading]

Holiday Gifting Without Financial Pressure

Seasonal expenses creep in without fanfare, sneaking up on well-intentioned gift-givers bringing joy to their friends and families.  It is easy to get carried away with the spirit of giving; after all, celebrations call for memorable presents.  But left unmanaged, spending quickly goes beyond affordability for many holiday shoppers. Generosity, within your means, is indeed part of the seasonal joy shared with loved ones.  Excited... [Continue Reading]

How to Overcome a Financial Crisis

When you are in the midst of a financial crisis, it may seem as if there is no way out.  Facing eviction, essential medical costs you cannot pay or other vital expenses that you don’t have the money for can be very frightening and you may not know where to turn. Fortunately, there are solutions available when you go through a financial hard time. You just need to think carefully and explore the options systematically to find the right option... [Continue Reading]

Save Money on Holiday Gift Giving

Holidays are supposed to be a time to celebrate, enjoy friends and family, and give thanks and be grateful for the things we are blessed with in our life. That’s the idea anyhow. Does that sound right to you? Probably not. While, there are certainly aspects of many holidays that we all enjoy, more often those holidays are fraught with a great deal of stress and some amount of desire for that holiday to be over. One part of the stress factor... [Continue Reading]

An Introduction to Credit Derivatives

Most day traders will have dealt with derivatives in at least some form. Despite this, many have a very limited understanding of the different types of derivative that are commonly traded, or the financial and legal implications of these trades. A derivative is where a contract’s value is determined by the value of an underlying asset or assets at a future date. A credit derivative is a type of derivative. Its price and value comes from the... [Continue Reading]

CREDIT CARDS: A MYTHBUSTER

There could be many reasons why you choose a credit card, but before you decide, it’s likely you’ll take time to look into some of the common notions about them first. For example, what is the best credit card to have? Is it true that you are entitled to rewards as a card holder? Can you draw cash from ATMs? Will your credit card purchases be kept separate from your bank account? It is always sensible to carefully consider any financial... [Continue Reading]

5 College Education Cost Estimation Tips

Going to college can be an expensive venture. While you want to make a solid return on your investment, you also don’t want to skimp, especially when it comes to matters having to do with your educational aspirations. This is the reason why you want to have a rough budget of your entire college experience totally mapped out. With a rough estimation, you can plan on your living arrangements, your tuition and all the other miscellaneous costs that... [Continue Reading]