5 Reasons Why I Love Poverty

For as long as you can remember you have been told to follow your dreams, pursue your goals and be the best you can be. After all, society deems a person successful by the accomplishments they reach, the type of car they drive, the size of their house, etc. For the average person, this takes a lot of hard work to achieve. Hours in the classroom, financial investment to start a business and time away from friends and family are all spent in an effort to be better and get further in life. And afte...

5 Student Loan Mistakes to Be Wary Of

Many people across the nation can relate to the individual struggling to pay back his or her student loans. Due to not properly approaching the loan process or simply not understanding the long-term ramifications of accruing student loans over time, many people end up with large debts that result in years and years of financial distress. Whether you are headed off to college this fall for the first time or you are in college presently, whether or not you require student loans will go a l...

Should You Become a Financial Planner?

A financial planner is a well-trained individual who is paid to help regular people, companies, or other entities reach their overall financial goals. Depending on their clients' needs, financial planners can do anything from set up a college fund, plan retirement, invest in the market, or finance a new business venture. Financial planners can work for themselves, with a partner, in a small firm, or for a large company. Consumers are always in need of financial assistance and planning. The jo...

Renting Versus Buying – How to Plan Your Future

For years there has been an ongoing debate regarding whether it is better to buy or rent a home. It seems that both sides have valid points – and both have benefitted at different times – depending on which way the market is moving. Today, however, our economy is in an odd position. While many are still reeling from the massive “loss” of equity in their homes as compared to the values in the mid-2000s, there could still be something to be said about the benefits of home ownership. Learnin...

10 Tips to Recovering from Bankruptcy

So you have run into difficult financial straits and had to file for bankruptcy. That meant completing paperwork, filing documents with a court and/or municipal agency, and having a black mark on your record for a decade. You may have even had your home foreclosed on by the bank and/or some of your assets seized by creditors. This entire process can leave you feeling stressed, dejected, and helpless. But now, you're finally done with all that. Since the worst is over, you can start focusing y...

How to Save Money on Your Business Electricity Bills

A business owner might not realise it, but after paying for the salaries of employees and the rent on an office space, one of the biggest costs that remains is the electricity. Businesses use a vast amount of electricity to operate. They need to have lighting, computers, printers, servers, coffee machines, tea kettles, microwaves, refrigerators, fax machines, scanners and more. And for some businesses, a dry cleaning company for instance, or a bakery, then they have even more electricity cos...

How to Get Out of Debt Without Falling Behind on Your Bills

As many Americans battle just to pay their monthly bills, the fear and reality of falling into debt becomes overwhelming for many. One of the biggest challenges many individuals come across is a means to get out of debt without falling too far behind on their present financial responsibilities. First and foremost, those in a financial bind need to come to the realization that there is work to be done, they can get out of their financial hole, and there are ways to prevent this going forwar...

When is it Appropriate to Borrow Money?

In our consumer driven society, it’s extremely easy to borrow money. Whether you’re racking up credit card debt on clothing, obtaining a mortgage with a 5% down payment, buying furniture on layaway, or getting a car loan to purchase a new ride, there are always new opportunities to buy something using someone else’s money. Money can be a touchy subject, especially for those who are struggling to get out of debt. But whatever your financial situation, there will likely be times when you nee...

How to Find an Ethical Bank for Your Money

In today’s world, it may seem difficult to find organizations that are trustworthy in terms of dealing in financial transactions. With the recent economic downturn – as well as the numerous “bailouts” of large banks and investment companies, consumers are being much more careful these days about entrusting their hard-earned funds. This is especially so with regard to placing their retirement nest egg and other money that will be needed both now and in the future. Therefore, when searching for...

Real Estate is Still Ripe for Investment

Most people don’t consider real estate to be an investment which generates return and income, they think of it as a home. However, for most people the single largest investment they make in their lives is a piece of real estate, and it will likely comprise a third of their net worth. This is part of what makes real estate a unique investment market, that there are two kinds of buyers. An ideal real estate market for home owners and an ideal real estate market for investors would probably look qu...