While I am still young, I have already started planning for retirement. I absolutely love this stuff. I like planning ahead and being responsible. Since I am relatively new to planning for retirement, I feel like I learn something new about retirement every day. There was an article published recently about a check list for [...]
Perhaps you haven’t given it much thought, but there are very different implications and penalties for not paying your taxes. I’m not just talking about Federal income taxes. There are numerous taxes that an individual can face. Each tax comes with its own unique personal finance mess.
Financial difficulties can disrepair families and ruin lives. Whether it’s the sight of being confronted by the bailiffs – and the consequences of that confrontation – or the realization that you barely have enough money to provide sufficient food for your kids to be nutritionally healthy; severe economic problems are a burden we all fear to the utmost. In the midst of the complete absence of hope that money problems bring for many people however, there are a few things that can be done to help alleviate the stress and, temporarily at least, help repair the situation.
Grandpa might have been on to something when he liquidated his stock holdings and invested in a bond ladder. At the time you didn’t know what the hell he was talking about, but you were quite tired of hearing him talk about the risks associated with the stock market. After the reinvestment, you hardly heard a word about his retirement. His risky investments turned into an income-producing bond ladder and money troubles went away. Now that you’ve got a little money saved up, you’re wondering if a bond ladder might be a good choice for you.
I love consumer data, because it tells us something about our society. Whether it is gender norms – like how women fold toilet paper while men ball it up – or behavior, such as 87 percent of Android users using their phone on the toilet. How we celebrate holidays is no different.
Are you looking to spice up your home with a little redecoration? It’s understandable to want to change things up a little bit. No one likes to keep the things the same for too long. Some new furniture or different colors may be exactly what you need to liven up the place. Before you get [...]
Popcorn, the dark theater, a comfortable seat, the big screen, a good film, and booming surround sound…. This set-up lures people to attend the movies. Although going to the movies is good, clean fun and is enjoyed by everyone, this entertainment source does not come cheap. With the prices of commodities getting higher and higher, entertainment, including watching a movie, becomes a luxury. Still, it is impossible and probably unwise to totally eliminate entertainment expenses.
Here’s a statement that guarantees me some grouchy comments: it’s better to be in credit card debt than to bounce a check. Of course, it’s better to properly manage your money and face neither scenario, but we don’t live in a perfect world. Somewhere, in the great big financial world, someone is short on cash for the month and they are planning on bouncing a check, when really they ought to be going into credit card debt.
In the tough economic climate it is extremely important to save money wherever possible and when it comes to saving money around the home, thinking small is often times the best way to make some of the biggest savings. Making small adjustments throughout the home means you can accumulate some big money savers over the course of a month, this can free up money for mortgage payments, family holidays, you name it. Below we’ve listed some of the best ideas and places to make little adjustments around the home so you can start making savings immediately.
If there was one word that could sum up our decade so far, it would be austerity. Governments, companies and especially individuals are all cutting back on spending. If you’re thinking of adopting your very own austerity programme, a great place to start is at home. Nadine Bourne from XLN Business Services explains how With [...]
The thought of just hopping on a plane to go anywhere at a moment’s notice, with no worries or qualms, leaving everything behind to travel for a bit is a romantic, thrilling notion. However, unless you’re Donald Trump, it may be a little unrealistic. While you definitely can just fly far far away, taking a couple steps to make sure your finances are in order first will save you a lot of trouble during and after your trip.
Many Americans, like myself, enjoy nice things. We are known for our consumerism, it seems, more than any other attribute. While there are Americans that have trouble paying the bills, many of us buy stuff that we don’t need. We justify splurges like our lives depended on it. While the recession did help cure some of our thoughtless spending habits, we still have a long way to go.