The Facts about Buy to Let Mortgages

Property development is big business these days and with pension funds and savings accounts performing at an all-time low, thousands of people are jumping on the buy to let bandwagon in an attempt to boost their savings or create a decent retirement income. But if you are new to the buy to let rental market, what is the difference between a regular residential mortgage and a buy to let mortgage? Becoming a Landlord People end up as landlords for all kinds of different reasons. Some see the...

How to Make Credit Cards Work for You

Credit cards have certainly gotten a bad rap: They make it easy to get into debt and difficult to get out of it if you don't manage them properly. However, you can absolutely learn how to make credit cards work for you. In fact, you can actually benefit from using credit cards – and perhaps even avoid debt altogether. Here’s how: Find a credit card that offers good rewards. A lot of terrific rewards credit cards are out there. These cards give rewards for every purchase. These rewards can ...

Building Credit for Your Small Business

The importance of establishing a healthy credit history is just as important for businesses as it is for private citizens. Neglecting to do so, most small businesses will fail because opportunities for growth or to improve the business are typically dependent on being approved for working capital loans that can be used to purchase equipment and hire more employees to take their business to the next level. A business’ credit history will demonstrate their ability to responsibly repay their loans...

Pocket Money Management And Teaching Kids To Save

There are three stages of pocket money management. The first is the gift that is given freely to the child. The second stage occurs when the thrifty child saves their pocket money. The third stage is the money they raise themselves. Initially, for most households, pocket-money will begin as a weekly allowance given to the child in order to create a sense of familiarity with money. Gradually, the child becomes aware that this collection of gold and silver coins can be used for purchase. As a ...

Accepting Online Payments: Another Way for Your Company to Build Revenue

In today’s world, most businesses offer the option to purchase items online. Convenience and 24-hour shopping are the ringtone of the 21st century. According to a study by JP Morgan, global e-commerce grew by 19 percent in 2011 to $680 billion. Just think of the numbers that 2012 produced! With the hustle and bustle, it’s tough for people to find time and energy to run more errands on top of the regular weekend ones, such as going to the grocery store. In order for both large and small busine...

The Importance of Researching Reputations Before Going Into Business With A Person

Before deciding to go into business with someone, it is extremely important to learn as much about that individual as possible. Just as you would do proper diligence on a potential financial investment, doing diligence on your potential business partner is a critical step, as it could have similarly far-reaching financial, emotional, and legal effects if you do not. Financial effects. You are about to invest massive amounts of your own valuable personal time in a business endeavor. Make sure ...

Taming Those High Interest Debts

A resolution that every American should tackle in 2013 is to get out of debt. Predictions for the coming year run the gamut. Some financial analysts are expecting a stagnant or slow economy due to mediocre job growth, while others are more positive in their outlook for 2013. But without a crystal ball showing the future, there’s just no way to be certain. One thing is for sure, no matter how you view the future or where you stand on why our nation is struggling with so many economic problems, yo...

Ways To Buy The Best Car Insurance

Car insurance is a necessary and permanent part of vehicle ownership and it is important that consumers find the best car insurance and rates when purchasing a new policy. Because there is a huge variety in price, coverage, and customer service quality offered between different insurance companies, you must comparison shop policies to get the ideal coverage for you and your family. There are multiple ways you can go about ensuring you buy the best car insurance. Coverage Options Insurance ...

Term vs. Whole Life Insurance

In recent years, whole life insurance has been criticized as a poor investment, offering low returns and high premiums. Many financial advisors and specialists have recommended term life insurance, which has lower premiums. Some have suggested that individuals not buy life insurance at all, but instead invest the money they would have paid in premiums in other financial instruments, such as stocks, bonds, mutual funds, commodities, ETFs, etc. However, term and whole life insurance policies do ha...

4 Do’s and Don’ts of Couponing

Even with the world economy slowly recovering, I still find myself coming up a little short at the register. The cost of everything seems to be going up; however, my monthly paycheck does not. I spoke with the experts in free coupons from Canadian Savers, wondering how I could easily save a few dollars here and there and they had plenty of great tips for both novice and experienced savers. Following these simple and logical do’s and don’ts has easily helped me save hundreds of dollars each month...