Author: James Paul
Losing someone close and dear is sad and hard to come in terms with. Funerals are held to say the last goodbye and give a proper farewell to the person. When it comes to funeral you have to two options: burial or cremation. There are many reasons why cremation is better than burials. Burials are the traditional choices, which is quite understandable. You want to remember the person even when they are gone and visit a place where you can find them. But, more Americans are now choosing cremation for variety of reasons. Here are some of the best reasons…
Both loans and lines of credit allow families and individuals to borrow money. For a large, one-off purchase, borrowers can use a credit card, personal loan, a bank overdraft, home equity lines of credit, or a mortgage. However, personal loans and lines of credit have several subtle differences. It pays to know these differences to ensure you are making the right financial decisions for your personal economic circumstances. A Revolving Account vs a Lump Sum The biggest difference between a personal loan and a line of credit is that one is a revolving account, and one is provided as a…
This article about how to buy a car intelligently, I wrote it together with my life partner and personal finance adviser, Daniel Cabrera, who I learn so much from every day. In case you did not know, the second largest and most important purchase we will make in our lives, after that of a house, will be the purchase of a car. But unlike the houses, which increase their value over the years, the vehicles are losing it. Renowned personal finance expert Dave Ramsey talks to us about how we should make this purchase and how to get the most…
The financial world is full of jargon which can be extremely off-putting to those who aren’t in the know. There are some terms that it is common for people to not understand what they mean, yet they often feel they can’t ask for fear of coming across as ignorant. This can prevent people from investing in products that might otherwise be right for them. We are coming to the rescue, however, with our list of the top 5 investment terms that you need to understand. # Annuity One question that many are too scared to ask is what is an annuity?…
Learning the technical details of the Forex trading industry is a little bit complex. Some of you might think technical analysis is not required to become a successful trader. Just by using your emotions and gut feelings you can easily earn huge amount of money. But always remember emotions has no place in the investment business. Try to learn the technical details of the market by reading books and articles. If necessary go for the paid trading course. But those if you devote yourself you won’t have to spend any money to become technically sound. Today we will share the…
There’s no doubt that unpacking is an overwhelming task to do. After a tiring move, you would rather watch your favorite movie or TV show on a couch than unpack everything off. Besides, the moment you unload all your moving boxes from the moving truck, you may find the effort of unpacking an unappealing thing to do afterward. Unfortunately, you can’t get rid of this task for a lifetime because living with a ton of boxes around your house isn’t good at all. Thus, you need to dive in and get it all done right away. So here’s how to…
Finance experts have been recommending for years that people tuck money to the side just in case there’s an emergency they need to handle. Even those who have a well-planned budget may run into a circumstance that causes their finances to take a hit. An emergency account provides coverage in those instances. There are a lot of people who have taken heed of this advice and started saving, yet they withdrawal funds for reasons that don’t necessarily constitute an emergency. Then, when there is an emergency, they find themselves unprepared. What is a Financial Emergency? So, what is a financial…
In the current economic crisis, credit has become a bigger issue for most businesses. However, the smaller ones are the most impacted as the large business houses enjoy a long term relationship with the major creditors and hence are able to get their funds as needed. However, the smaller businesses and the startups struggle to meet the stringent requirements of the banks and often fail due to lack of the necessary funds. In such a credit crunch situation, U.S Small Business Administration’s initiatives to assist the small business owners through various programs, proves very beneficial. These bad credit personal loan…
Taking personal loans to eliminate other debts can be a tricky situation. However, this is a major decision and one should know all about the personal loans, the advantages and the disadvantages associated with these loans before deciding whether to use them for dissolving other loans or not. Whether you should take loans for bad credit or not purely depends on the situation, you are facing. In a real bad situation, when you do not have money to carry out your normal day to day transactions and neither have assets which you can put as collaterals, you may be left…
Negative credit rating can spell problems for those who live with very limited funding. There are times when certain individuals encounter emergency expenses that may arise because of unexpected medical procedures, car repairs, home maintenance, and natural disasters among others. When these unexpected circumstances arise, those who have negative credit rating may find it difficult to avail loans from banks and conventional lenders. Because some circumstances are unavoidable, it makes it challenging for people to exercise loan options elsewhere, making their financial management procedures a tad difficult. Collateral loans, with very minimal prerequisites and requirements, are tailored for the aid…