Posts Tagged‘money’

Is Your Child Old Enough for an Allowance

Source As a parent, there are so many things you’re responsible for teaching your child. Some occur quite early in life, while other lessons tend to come a little later. Giving your child an allowance has long been seen as a way to teach them about money, budgeting, saving for a goal, responsibility, and what it means to help out and have to work for that money. If you’ve been thinking it may be time to introduce an allowance into your child’s routine, but aren’t sure if they are old enough, you may find this information and advice to be…

Room For Improvement: How To Rebuild Your Credit Score

A three-digit number known as your credit score can have a devastating effect on your lifestyle if it isn’t high enough. A low credit rating can affect your ability to secure a car loan, a mortgage or even an apartment. Low scores affect your interest rate, insurance premiums and in some cases, your employability. The good news is there are ways to improve your credit score, within a few months. Know where you stand Checking your own credit rating will give you a snapshot of where you stand on the scale at the moment. You can do this through a…

Minimize Financial Fallout: How to Plan for a Divorce

Although divorce is common, it’s a topic that people are loathe to talk about. Going from married to unmarried can be traumatic for everyone involved. Despite your anguish, divorce is not the time to stand still. Family life may never be the same, but your entire life doesn’t have to come to ruination just because you called it quits on your marriage. Before you get divorced, there are several financial considerations you must deal with, no matter what. Speak with an expert Although your divorce attorney may be well versed in the legal aspects of the dissolution of marriage, she…

How Much Should My Emergency Fund Be and When to Use It

Finance specialists are of the opinion that you should have at least three to nine months’ worth of your monthly living expenses in an emergency fund. Well, new schools of thought have emerged and ruled that out, claiming that such funds are either excessive or insufficient to cater to the expenses that one would have to incur in emergency cases. So, how much should your emergency fund be and when should you use it? Use Online Calculators Just like it would be unwise to trade forex online without the use of tools like CMC markets, you need to use online calculators…

Getting The Right Kind Of Mortgage Note Buyers

A Continuously Transitioning Economy You may have noticed it by now: the United States economy has been in continual flux for some time. The last decade has been especially strange for multiple markets. Whether you’ve been in real estate, the stock market, energy, or education, things have definitely gone up and down very fast, and very unpredictably. Whether or not the phrase “things aren’t like they used to be” is a matter of perception or history, what has become apparent to many affluent up-and-coming Americans is that certain property decisions no longer make sense in the current market. The Chinese facilitated…

Motor Insurance Pit Falls

Most insurance customers understand the term “excess” but not everyone appreciates the implications. An excess is a form of “self-insurance” or in other words a potential cost to the customer if a claim occurs. Whatever the cost of the claim, the excess is payable for the amount agreed except where the total of the claim is less than the excess amount – in which case the excess equals the cost of the claim. Most policies from large car rental companies such as Hertz and Europcar carry an excess of some kind and most discerning customers will attempt to choose a low excess…

Top Tips to Help You Get a Mortgage

Taking out a mortgage is probably the biggest financial commitment you will make in your life. And there are many Florida mortgages to choose from, so it is important that you know how to get a good deal. Below are some ways to make sure you have a better chance of getting a good mortgage. Check Your Credit Score Make sure you know what your credit score is. If it is not as good as it could be, make sure you try to improve it. Close credit cards you don’t use, for instance, and pay off any outstanding balances if you…

Personal Loans – A Financial Answer To A Million Problems

Source With Christmas nearly here and the money quickly draining from your account as you do the last minute food shopping, picking up last minute gifts or panic-mailing cards you forgot to send, it can be difficult to know exactly how you might pick up the payments for those sudden expenses in the coming weeks if you run into them. Road accidents, broken windows, something in the house suddenly needing repairs can all run high in price, and if the holidays have only just ended you might find yourself strapped for cash and wondering how you’re going to cover all…

Sure Ways to Rent a Condo Even with Bad Credit

In the present day, it is not uncommon to have a bad credit rating. Bad credit can hit us due to a couple of unpaid utility bills, a few missed payments on our credit card and other occurrences like this. Many prospective renters feel ashamed of their bad credit, and worried about its potential to shed an unfavorable light on them when they put in applications to rent condos. This can put people off from renting the apartments that they desire. But, it is totally possible to rent a condo with bad credit. How bad credit can harm your renting…

Installment Loans: A Practical Alternative To Cash Advances

Recent surveys and studies paint a grim picture of the state of Americans’ personal finances. One report suggests only half of the country has enough savings to provide a 3-month cushion should an emergency (like losing their job) occur. Another suggests the state of their finances is much more serious than that. Forget 3-months of unemployment. Over 60% Americans don’t have enough savings to cover an emergency expense costing $500 or more, with some failing to have a savings account all together. While the numbers may contradict each other, you understand through firsthand knowledge that savings aren’t an easy thing…