Surprisingly few new pensioners and pre-retirees have a plan for allocation of funds in securities. However, if your portfolio should be a source of financial security in your retirement years, then it must be carefully arranged as a garden, so that new trees continue to grow. Aside from the obvious benefits of the additional funds [...]
Even financial planning is a costly process in today s world. So how about exploring some ways and means of free financial planning to cut down the initial costs? Obviously, it is when finances aren t managed properly that people would sought after financial planning, but even before you could rise from the dusk, you [...]
People typically assume that I tend to gloss over the negative aspects of annuities, since I am a financial advisor and annuity agent. It’s not an unreasonable assumption, since so many other agents do this.
Annuities pros and cons
Yet, every so often, you’ll locate a great agent who will give you complete disclosure and the [...]
In college, credit card promotions are every where. Low interest rates or 0% transfers aren’t even the primary enticements. Instead, they offer pizzas and burgers for applying for credit cards. This is very common in my college. It is amusing to think that such an well read group would fall into this ambush. Just for [...]
The life of a single parent is difficult and has many challenges. However, great personal satisfaction could be felt after these difficulties are hurdled. Many support mechanism are in place to assist single parents in successfully meeting the challenges of raising a family. Assistance may be sought from single-parent organizations, [...]
There was a time when once you took out a credit you paid it back publication and if you moved house you then took out an additional credit perhaps with the same lender. A remortgage wasn’t that all the rage as lenders were not that keen on the multinational
butover modern years many lenders have been [...]
So you are loaded down with bills to pay every month and are wondering how you can start a savings account for emergencies and other high-expense events. In other words, where can you find that additional money to put away for later on?
Initially, when configuring your budget, plan for your savings first. You [...]
No one can ever tell you whether a credit card is totally bad, but if you give a credit card to a child that is sure to end up as one. However, that is not the only way a credit card goes bad. What do you really have to know about a bad credit credit [...]
Every person needs to know how to live frugally, especially during these tough economic times. However, you must also know that there is a thin line between being frugal and being cheap. You don’t want to always freeload on your friends whenever you go out. Sometimes, you have to do a little of your part [...]
As you know all of us have a tendency to put our trust in other people. For example, when you’re in the market for a new car you might go to a dealer that your neighbor or close friend raved about after they made their last new-car purchase. Needless to say, that when you get [...]