Steadfast Finances - A Personal Finance & Investing 101 blog that delves into current events, consumer education, and techniques to improve your bottom line.
19 November 2012

Best Holiday Gift Ideas

 Personal Finance         No comments

As the Holiday season fast approaches, the pressure to get the best gift available increases. While my wife and I usually don’t do gifts for each other, I understand the demands of the Holidays. Growing up, my family would celebrate Christmas with numerous gifts. While my parents would typically buy the majority of the gifts, everyone else usually got gifts for every other person. This meant that I had to buy gifts for brothers, mom, dad, and grandparents. Talk about pressure!

19 November 2012

5 Ways To Make Your Resume Stand Out

 Personal Finance         No comments

Today’s job market is very competitive. With the state of the economy these last couple of years, jobs are now at a premium. Many companies have a hiring freeze, and some others have downsized to make them more agile. However, colleges and universities are cranking out more and more graduates every year. These fresh graduates are now competing with newly unemployed people who already have work experience. With the limited number of jobs, you really have to sell and market yourself to a prospective employer, and your resume is your first opportunity to do so.

15 November 2012

How I Would Have Retired Early

I’ve long since thrown in the towel on retiring by 35. That was my goal as a sophomore in high school and when I look back on it, I can’t help but snicker at how naive I had been. Not because retiring by 35 is unreasonable. If anything, I believe it is more possible now than I’d originally believed. It was my strategy and ignorance of money that hindered my chances of retiring early. If I could do it all over again, I would have done things much differently.

12 November 2012

4 Bond Strategies You Can Use To Grow Your Portfolio

 Investing 101         2 comments

Investing in bonds is just one way to diversify your investment portfolio. After all you should not put all your eggs in one basket. Bonds are a great investment if you want a regular income stream. Many people enjoy receiving the added income while preserving their initial investment. When it comes to investing in bonds, there are actually many different strategies that you can employ.

12 November 2012

Why people use short term loans

 Personal Finance         No comments

Have you ever thought that you understood why people do certain things, only to figure out the opposite is true? I thought I had finances figured out. I used to think that I understood why people used short term loans. Yet, after reading a New York Times article, I have come to change my perspective. People don’t use this kind of quick loans for the reasons that I once thought that they did. Many people often scoff at the first mention of them as people who prey on others’ unfortunate situations. I’m not sure that’s the situation.

8 November 2012

How to Get a Tax Deduction from Hurricane Sandy

 Personal Finance         No comments

In comparison, it wasn’t as bad where I live. Many homes were without power for a couple of days. A few downed trees proved a nuisance for homeowners who now had to deal with chopping them up. I had to chase down my recycling bin, which was sent racing down the street by a gust of wind. For those in NJ and NYC, the conditions were far worse.

5 November 2012

5 Unforeseen Expenses That Can Ruin Your Retirement

Retirement is the culmination of everything we worked hard for throughout the first two-thirds of our lives. It is the time when we can truly start to enjoy the fruits of our labor. Well, ideally, it should be. But what if, before you even start to enjoy your rest and freedom, you discover certain financial obligations that you never even considered before. You find out too late that there are hidden expenses that you still need to pay for regularly. That will surely burst your bubbles fast on your last day on the grind.

1 November 2012

Four Money Saving Tips for New Homeowners

 Personal Finance         No comments

Congratulations. As a first time home buyer, you get to enjoy the wonders of home equity and excitement of housing inflation. However, being new to owning, there probably is a lot that you need to figure out and I’m not talking about where to put the coffee table. Expenses can add up quickly when you own a house, but there are many costs that are easily avoided, so long as you are aware of them.

31 October 2012

5 tricks to help you save money on entertainment online

 Personal Finance         No comments

In this tough economic climate it can take a little imagination and creative thinking in order to save money and cut back on costs. The focus of the last decade has been on austerity, avoiding debt and cutting back on spending, and entertainment has long been considered a luxury and not a necessity. However, an [...]

31 October 2012

Do I need a personal injury solicitor?

 Personal Finance         No comments

If you have been in an accident regardless of the severity, your first worry will be about trying to get back to normality. However, it is only right that people think about claiming for their injury and lost time if the accident they were involved in was not their fault. Here we will look at [...]

29 October 2012

Student Loans – Yea or Nay?

With these tough economic times and the cost of tuition and other expenses skyrocketing, paying for college puts enormous pressure on the shoulders of both parents and students. Sometimes, even after your parent’s contribution to your college fund is made, and you have received all the deductions due to financial aid and other grants, you still have a gap between the amount you have on hand and the amount you need.

25 October 2012

The Finances of Faster Highways

 Economy         No comments

Texas is looking to break the speed barrier. A new highway proposal is schedule to set an 85 mph speed limit, making it the fastest section of road in the US. Proponents of the speed limit increase maintain that by increasing speed, it will increase traffic use, which is good for toll revenues. However, financial opportunities never arise without financial consequences.

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