Category Archives: Saving and Borrowing
How Can I Save in Retirement?
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It would be understandable for many people to ask why they should save in retirement? After all, once they’ve saved for these years surely they should be enjoying the benefits. Isn’t that what it’s all about? Well it’s a fair point, but of course each situation is different. We also … .
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How Can I Get a Secured Personal Loan?
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Ahh………..It’s the age old question………how can I go about crossing the financial minefield to get a secured personal loan. According to your bank and all the online advertising it sounds really easy. But wait! What if the mines go off before I get there? Worse still, what If you sign … .
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Ensuring You Have Enough Money in Retirement
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Well we don’t want to worry you but even Moses himself had to wait until retirement to achieve prominence. JR just kept working and even Luke Skywalker gets older! Retirement can mean many things in the modern world and it should be very positive, but for everyday folk just how … .
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Credit Card Agreements and What You Should be Aware of?
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Ok you carry your cards in your wallet, you make the payments and you manage your account well. But these credit card companies can cost you more money if you ignore one crucial thing! The Change of Terms Notice! Oh yes, once each year credit card companies will send … .
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Credit Card Agreements – A Quick Guide!
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Hey you’re like a kid on Christmas day when your new credit card arrives in the post. You’re so happy you could almost kiss the postie! You get out the card and activate it just as quick as you can, but what do you do with the paperwork? File it … .
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Can I Improve Net Worth by Decreasing Liabilities? – Part 2
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Click here to read part – 1 The problem is that for many increases in assets there is a commensurate increase in liabilities (eg. buying a house usually requires a mortgage). Additionally, people only make so much money at their jobs, and negotiating a raise may be difficult. This creates … .
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Can I Improve Net Worth by Decreasing Liabilities? – Part 1
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It may sound complicated but the resounding answer my friends is yes! But how do you go about the process? Well first let’s look at the detail. Public companies are required to produce reports based on their financial positions. The fact is, you’ve already heard of this! Income statements, balance … .
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A Quick Guide To Credit Unions
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Credit Unions are as popular as pretzels, American Idol contestants and superman. Yes it’s a fact they have more than 90 million members serving more than 45 per cent of the financially active community in the States! These wonderful institutions grew from a single church, workplace or town. They only … .
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Student Loans
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To become part of the ‘American Dream’ it seems a first rate college education is a necessity. But sadly it’s an expensive necessity as tuition fees charged by universities and private colleges can reach more than $60,000 each year. Thankfully there are various student loan options available, and its worth … .
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Payday Loans
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This global recession has lead to a great change in the way individuals manage modern day finance. The emergence of the ‘Payday Loan’, is one of them. Sure , they’ve always been there in the background. But now more and more people are using them. Utilised in the right fashion … .