Posts Tagged‘finance’

Getting a Right to Buy Mortgage with Bad Credit History

First introduced in the 1980’s the governments Right to Buy scheme has since allowed millions of public sector property tenants to buy their rented homes. If you are looking to take your step onto the property ladder and have been living in your council property for some time then a Right to Buy mortgage can allow you to go from tenant to homeowner in just a matter of months. What is a Right to Buy Mortgage? A Right to Buy mortgage enables tenants of council properties to buy their home at a significantly lower cost then buying from a developer…

Why Credit Scores Vary Between Reporting Bureaus

Remarkably, one three-digit number can either be your key to the kingdom, or the instrument of your banishment. In other words, the importance of your credit score to the nature of your life cannot be overstated. Lenders, landlords, insurers and even some employers consider the data from credit scores to determine your creditworthiness. The higher your score, the more privileges you will be granted. And, the less you will be required to pay for those privileges when they involve financial transactions. Given the significance of these numbers, it’s reasonable to ask why credit scores vary between reporting bureaus. After all,…

Financial Responsibility in College: A Student’s Guide

College can sometimes feel like a difficult time to have financial responsibility. After all, it’s typically the time when you have the smallest amount of financial freedom; you’re probably putting most of your money toward things for school. The good news is that you can have financial responsibility no matter when you’re thinking about it. Here’s how to have financial responsibility in college. 1. Create a Budget A budget is one of the most important parts of this process. When you’re managing a budget, think about how much money is coming in and out every month. You might want to…

Actionable Tricks That’ll Help One Build Strong Investment Portfolio

If only money grew on trees, we would not need to plan for financial emergencies in advance. The fact that money’s ownership is only so limited makes it all the more important. Not to forget that almost every problem in this world can be solved with just the right amount of money. This calls for investment portfolio building. Why? Because if we only relied on earning and saving, the inflation rates would eventually defeat us. We need to make some extra money even as we sleep to stay ahead of the curve, and the smartest way to do that is…

Self-Employed Loans When You Need Them

Being self-employed means that you have the power to act in your own time and in your own terms. You can earn as little and as much as you work hard and strive for. But of course, it would not always be easy, and it would not always be as quick to earn as much as you would like to. That is why it would be hard for self-employed people to actually have a good credit standing, because monthly income is not fixed like with employed people who receive a fixed amount of salary per month. What if you see…

Advice on Managing Budgets and Loans

Managing personal finances isn’t something that you’re taught in school. It’s a skill that you have to learn through experience and also acquiring the right knowledge. Luckily, Castle Finance Direct has put together a couple of tips that should help anyone in need of advice on budgeting and loans. How to Budget Firstly, the foundation of good finances is budgeting. For those that don’t know, budgeting is about ensuring you know where your money is going and how it’s being spent. If you don’t know this, staying on top of your expenses and financial planning can be difficult. It is usually…

Fail-proof tips to read before starting to invest in the stock market

Itching to get your hands-on with online trading? Some traders just fall in love with a product or service too much that they want a piece of it, sometimes they just see its projected growth from research. If everything goes well – PROFIT! This guide will serve a quick repository of tips that will have you starting your stock investment journey the right way. Educate yourself first Before you get started on trading, it’s a must to learn everything you can about stock investing and the markets. Mistakes here can be costly. You can find a lot of free educational…

Should You Take Your Pension at 55?

How early can you access your pension and how much of it can you withdraw? It’s well known that pensions can be complex and, sometimes, a little overwhelming. There are several options available for people who are considering taking an early pension at 55, so before you make any decisions, you need to be sure you’re taking the right course of action for your circumstances. Your pension choices will have a significant impact on your quality of life in the future, so it’s essential to get advice from a professional. To help you understand some of the most common options,…

4 Tips for Getting Started in New York’s Real Estate Market

The real estate market in New York State is one of the most diverse — and dynamic — in America. From small upstate towns with a quieter pace of life to opulent Long Island Mansions and everything in between, there are a lot of exciting opportunities for passionate, dedicated real estate agents to make careers for themselves. If you want to experience the excitement and independence of working as a realtor or a real estate salesperson this year, here are the four things you need to do to get started. Take an Online NY Real Estate Course Before you can…

Gold Is the Safe Haven Your Money Needs

Not sure if you should own gold? Gold has long been a popular asset for those who are looking to avoid risk. Gold is a safe haven to which investors turn when they’re scared off by other aspects of the market. Who Buys Gold? The average gold buyer is a far cry from the gold bugs you see on TV. For the most part, gold buyers are professionals with a variety of incomes who are looking for low-risk assets as part of their retirement savings. Gold is an effective vehicle for preserving wealth in the face of inflation, market risks,…