Welcome To Financial Advice!

financialThis is your home away from home when it comes to financial advice. Not only do we cover all types of financial advice, but we cover finance, stocks, and bonds. We like to write about a lot of topics, but we try to stay on top of what is happening in the work of finance.
If you want to drop us a comment, idea, or would like to send us an article on the financial sector, we would love to have it. Please return often to check in and see the latest info on the financial world.
Do you see that bag of cash to the left?  It is very easy to save money if you make good decisions. It does not take long for it to “pile up”. All you need is a good savings plan and time.
Many Americans have a very hard time saving money. They lack discipline and you can see it by the way that they rack up debt. Look at the US government, they owe the world great sums of money. Don’t let that happen to you.

Working Towards a Retirement Plan

I am behind on my investments it seems to me, at least this is the case if I would have any chance of retiring before I am 65. I have been doing a very conservative type of investing though. It is not like I have been doing any sort of really risky thing. I have not been doing binary options or pairs trading. Of course the market goes up and down a lot and it seems like my stocks are not really growing the way that I would like for them to do. [Read More…]

Trying to Get Back to Solvency

Debt Payment Planner / Tracker - Customizable Excel - Christmas in ...I did not need to get one of those easy debt review deals to tell me what I needed to do, and so I have pretty much stopped spending money until I am back to where I need to be. I was pretty stupid when I was in college and I spent a lot of nights out with my credit cards and a girl. Of course I was having a really great time and so were a lot of my pals. It did not make a lot of sense to do it, but I was not used to paying my bills and of course you really do not have to pay off your credit cards. Those guys are pretty happy to let you pay the minimum. They can charge you those really high interest rates for the rest of your life and not really care if you die owing them a lot of money.

Of course my girlfriend is the one who was responsible for making me start taking action. She got a look at my bills and laughed at me. [Read More…]

Some Tips to Help You Get a Personal Loan to Start a Business

The majority of people need to get financial help when they start a business. There are many options available to a person in this circumstance. For example, an individual may be able to get help from business angels who are willing to provide them the money that is needed to get their business started. Another option that a person has is to get a personal loan. We will talk about some things that you can do when you are looking to get a personal loan to start a business.

One of the first things that you need to consider is your credit. [Read More…]

Finding Online Coupons for Your Favorite Stores

Bed Bath and Beyond Printable Coupons and Promo Code February 2012If you think that online shopping just isnt’ for you, don’t give up on it so quickly. Did you ever think you’d be able to use the internet to help you find coupons for your favorite stores? You may have thought that coupons were only found in your junk mail, but that couldn’t be further from the truth. In fact, it is clear that online shopping can get you coupons for both your online and offline shopping endeavors.

Let’s use an example. Let’s say you want a bed bath and beyond coupon. That’s a popular store, and you may have seen offline ads for them here and there. [Read More…]

Borrowing Money for Your Business Through a Merchant Cash Advance

How Well Do You Know Merchant Cash Advances?If you are a small business owner that is just getting started or a seasoned business owner that is in need of some additional cash, you may be interested in taking out a merchant cash advance. These types of cash advances are ideal for small business owners, as they are easy to obtain and easy to pay back. Basically when you take out a cash advance as a merchant, you are borrowing against future debit and credit card transactions.

You are given a specific amount of time to pay the advance back, and in most cases, payments are simply deducted from the daily credit card and debit card income. [Read More…]

Your Family Deserves the Best

You work very hard for your family. You do everything you can to provide for them, even if that means working over time or even a second job. Most people think that they have all the coverage they need when it comes to insurance but some people overlook having a quality life insurance policy. With the average funeral costing over five thousand dollars, is your family covered in case something happens to you? Even if you have a pre existing condition, you can still get life insurance rates that will cover you.

Some insurance companies will require their prospective new members to have a physical exam. What the insurance companies are doing is checking to make sure that their members are healthy. Most exams include blood work and even an xray or CT scan if warranted. Depending on how the tests and physical exam come back, the insurance company will then determine the plan’s premium for life insurance. If someone has an elevated blood sugar or high blood pressure, then they may choose to increase the base premium for life insurance based on the fact that the person may be at risk for either diabetes or hypertension.

It is not uncommon for a life insurance company to charge a smoker more for life insurance than a nonsmoker. It is entirely up to the insurance company for them to decide if they even want to insure you or not. Someone with a history of cancer or diabetes might even get denied coverage because the insurance company feels that you are too high of a risk to insure, and that they may not make any money off of the member due to past medical conditions. Drinking and recreational drug use are also two reasons why a person may be denied for life insurance coverage.

Are Your Parents Covered in Full?

If you have elderly parents, you probably are helping them in one way or another financially. Maybe you are helping your parents pay their electric bill, or even get their medications for them each month. The truth is, social security is not keeping up with inflation, meaning that many senior citizens are having trouble making ends meet more than ever.

If you have parents over 80, you may be interested to know that you can purchase life insurance for seniors over 80. While it may seem like it is a waste of money, it may actually be the best investment that you ever purchased. The price of a funeral and burial costs averages well over five thousand dollars and it is going to be up to you to pay for your parents funeral if they do not already have the money set aside to pay for their own services.

Few people have the money set aside for their own funeral due to the situation they are in. [Read More…]

Affordable Senior Life Insurance Plans

Many people are under the common misconception that seniors cannot get life insurance, however this is not the case. Life insurance for seniors over 80 is generally found quite easily. If you’re a senior, is a good idea to go online compare senior life insurance policies. It is important to your family that you set up a life insurance policy that will meet their needs long after you are gone. The Internet would be your best source for finding and comparing life insurance policies that may be right for you. Many plans are unbiased and do not care if you have any pre-existing conditions. Talking with a representative over the telephone as an alternative option may also be a good idea. Representatives are highly knowledgeable about life insurance, and will be able to tell you the facts as well as the pros and cons of taking out a senior life insurance policy.

Senior life insurance policies allow you to pay into the policy while you are still alive, and will generate interest towards the amount of the policy. The events of the policy will vary depending on how much coverage you need. You don’t have to take out $1 million policy to have an affordable life insurance plan set in place for the future. A life insurance policy to serious commitment, so it is important that you know exactly which plan you would like and how much it will pay. In the ideal plan, your premium will not increase and it will build monetary value while you are still alive. Talking with your spouse and your family is the first step in deciding how you can get a senior plan. It’s never too late to take out senior life insurance policy, which is why there is literally no risk involved whatsoever if you choose to do so.

Working on the Shopping Already

I just got the start on my shopping. Of course my Mom helped me out and told me exactly what to get for my Dad and she even found where to get the best deal. She had a nice little bed bath and beyond coupon, which is the reason why it was the best deal. If not for that coupon, then the deal would have likely been in some other place. My Dad is a huge coffee drinker and one of his best friends recently got one of those really nice coffee makers, the kind that uses those k cup things. So he has to have one and it is doubtful that he wants to wait until the eve of Christmas to open up his present. [Read More…]

Accounting and Bookkeeping Are Essential to Any Small Business

Accounting software is almost always invariably based upon double-entry accounting rules and is used by accountants to calculate the many complex financial transactions any business makes which is then recorded into the books managed by a book keeper in Brisbane or an accounting firm. A major advantage to hiring an accounting staff along with purchasing premium accounting software is the access to a financial reservoir of information as well as a premium software system that can be utilized for data mining. Applying modern principles of visualization of data mined from the books with the help of both your accountant and the software allows a CEO the complete picture of his business which they need in order to make appropriate investment decisions.

Creating an expense and income statement using single-entry book-keeping is simple. [Read More…]

Started Working on the New Project

Jack, Tim , Jimmy and I have started working on the new project this week. We are going to be doing some promotions for this big cafeteria chain. The idea is to try to get people to use coupons for restaurants as a way to drive business. Of course they have the sort of place where you are going to probably take the whole family. I go there quite a lot and if you are smart you can call ahead. They have this deal with is basically a great deal if you know what you are doing. [Read More…]

Started to Think More About Retirement

Until recently I could not really devote a lot of effort to thinking about retirement. It was just not as though I could stop to think about twenty or thirty years down the road. Now the kids are grown up and out of school and I have to start doing a more serious job of looking at what I need to do as well. Luckily we have the house paid off, or at least very nearly so. So I am going to talk to this place called Goldleaf partners about what we should do with the money that we have after the house payments are done. [Read More…]

Where is Your Threshold for Risk?

Where is your threshold for risk? That is a big question if you want to be an investor. Lately I have been thinking about it because I have met this really wild character who seems to have an endless appetite for risk in his personal life and in his investments. For instance he was talking about putting some money in this thing called Instaforex. It was not a huge amount of money, but you are talking about a serious level of risk when you go in to Forex trading. I suppose if you knew what you were doing, then you could call it a skill. In my opinion it is very close to gambling because of the volatility in the market. You are literally dealing with something which can turn on a dime. It could make you rich one moment and then that could all be gone the next along with a lot of the money that you put in it.

In essence I want to understand the thing that I am investing in. For instance you buy GE, and you know that GE makes stuff. They make all sorts of stuff and they do it extremely well. In fact they make a lot of stuff that very places in all of the world are capable of making. For instance you can not go down to the corner and buy a turbine for a power plant. You have to call up GE with the specs for your powerplant, or you design your power plant based around what they already make. I would expect that you have to give them a couple of weeks or months to work on it, assuming that they do not have a big backlog of work. At any rate I would be happy to bet that GE will make money.

Reviewing Your Debt and Educating Yourself

Finding high quality debt counsellors has been a problem for many people. Debt itself is a problem that is going to quickly escalate to a point where it is complete out of control if something isn’t done to educate people. I have always been blown away that there is not more of an effort being made to incorporate finances into primary classes for children as it is going to inevitably become a part of their every day lives and is not something that should be left to parents alone. Even parents are not always able to teach their children some of the most basic parts of growing up.

My own parents were absolutely terrible about this. [Read More…]

Sorting out My Debts and Assets

I am going to figure out what sort of moves I need to make now. My situation has changed and I am looking at being able to do things better if I am clever enough to make it work to my advantage. I went down to a licensed money lender and talked to this guy I know. Of course it would be a lot better if the guy was a banker, but if he was then he probably would not talk to me. The rates on their loans are pretty high, especially compared to what you would be able to get if you were some really rich business person. However I have worse debts and now I have a bit of collateral. My Uncle Jack died suddenly and he left a good bit of property. It was not that much for me when it had all been split up and the tax had been paid, but it puts me in a much better place.

He had no kids of his own, and he did not like about half of the relatives that he had. I was not a huge fan of him myself, truth is that he was a bit of a jerk and the sort of guy who could hold a grudge like it was a badge of honor. That is not so relevant any more, although the cousins who got nothing are pretty unhappy that I got a nice share of the inheritance. In fact I got a place to live. That gets me out of having to pay rent and it gets me away from my crazy neighbors. My uncle Jack owned this place and a couple of others, but this is the one that I got and it is the one I would have wanted to get.

Get in Control of Your Life Again

When looking for a foreigner loan I found lots of advice on the internet. But until I found your website I didn’t truly trust any of them. Financial troubles are one of those things that happen in life that you wouldn’t wish on your worst enemy. Well, at least that is how I feel. When I got divorced I was so in debt from the lawyer and other bills I had to take on. But I was going to make it work. So the first two years after my divorce I paid those bills on time no matter what I had to do. But in the third year after my divorce I got sick. Thankfully I had health insurance, but I was not able to work as much as I normally did, so this made my paycheck a lot smaller than I was use to be.

I started to fall behind on my bills. This is one of the scariest things I had ever experienced in my life. [Read More…]

Doing the Research on Investments

I have been trying to figure out the details on something that I have been thinking about. I have a good deal of money involved in a couple of real estate ventures and I have been thinking about taking some of it out and getting into a different type of investment. I was wondering what the easiest type of Gold IRA rollover there is, because I am most of all thinking that I want to get an investment which is a much smaller drain on my time than owning a rental property is. Right now I have about a dozen of those and in theory you do not do all that much work, but things do not usually go as smoothly as you might like. In particular I have been having a very bad experience with this one tenant who is not paying his rent and not acting like he wants to be evicted either.

Of course no one wants to be evicted and there are laws which protect you from being evicted unfairly. In fact they protect you from being evicted fairly or not for some period of time. This guy definitely knows that I can not easily get rid of him and he is going to use this fact to allow him to take care of other obligations. Of course from his perspective it is all logical. He is not going to lose anything of his if I evict him, he just will need to find a new place to stay. In the meanwhile he can drag things out and in the end he might be able to keep his car. In fact he has a very nice car. In fact he goes around acting like he is a big deal it seems from the things that I hear.

Finding Good Online Budget Calculator

I just received my student aid money for the semester, and I am going to need to budget it, such that I can pay all of my bills, rent, and buy food for the remainder of the semester, without running out of money. I am pretty bad with money, and so I am going to get a budget calculator to help me with the process of budgeting out my money and making sure that I will have enough for each month.

I am already kind of worried that I am going to run out of money, and I do not know what I would do, if that were to happen. It definitely would not be a good thing, and it is not what I want to happen. However, at times, I doubt my ability to budget money effectively, and I am going to be careful to make sure that I do not make any mistakes when it comes to making this budget, and using the calculator.

I am kind of worried that I will forget an expense when it comes to making the calculations. So to try to prevent that, I am going try to make a list of all of my expenses and really think about it for awhile, to ensure that I do not leave anything off of the list. I have a pretty bad memory, so it would not be very hard for me to accidentally leave something off of the list, and that is definitely not what I want to do right now. Anyway, I am going to start making that list soon, but since I have already signed onto my computer, and I am browsing the web, I might as well look for an online calculator to use for my budget while I am still online.

Quick Payday Loans for Unexpected Events

Someone activated a fire sprinkler where I work. The place closed down for three whole days. The owner lost three days of business, and employees lost three days of pay. I do not have a high income job, nor do I have any savings. I do not even have a credit card. However, I do have a child to feed. I did not know how we were going to make it through to my next paycheck, and that is why I got one of those quick payday loans. Missing three days of work killed our budget. I paid the rent and the other bills that were due, but we then had no food and other things to carry us through the next two weeks.

The payday loan made it so I could get what we need without my little boy ever knowing we almost ran out of food to eat. I pay my own way. I do not burden others to care for me or my child. [Read More…]

Is Gold IRA Right for You

As I’ve begun to develop my personal financial strategy that will help create a retirement fund, I’ve struggled with learning the various facets of the financial world. I realize now just how poorly educated I’ve been in regards to personal finances, budgeting and investing which has caused some sense of distress! Looking at what I know now, I can see how much money I’ve been wasting all these years and how much I could have saved had I known even just a few of the things I’ve now learned. So far, the easiest is to invest in http://www.goldiraassociation.com – gold IRA is always going to have some kind of value and you can almost guarantee that gold is not going to fall below a certain value of worth any time soon. Indeed, I expect the value to steadily climb as more of the world is enriched by technology which, in some forms, will continue to utilize gold as a method of conducting electricity.

Most Reliable Debt Collection Agencies

Perhaps one of the hardest tasks for a debt collection agency to ...I would like to hire a debt collection agency at some point soon, because I have some clients that owe me a considerable amount of money. I was trying to be lenient with them at first, and give them extra time to pay, but I have now realized that it is a bad idea to do so. I am just hoping that I will be able to recoup the money and that is why I need to hire the services of a debt collection agency.

I was hoping that I would not have to take this route, in order to get my money back. I really had no idea that they would just end up not paying me at all.

Just Getting out of the Real Estate Business

This is a guest post by Angie Picardo, a staff writer for NerdWallet ...I have made a good bit of money buying houses and fixing them up, but it has also been a lot of work as well. Of course I sell them when that is the best thing and I rent them as it seems best. Usually you are talking about salvage operations of one sort or another. The idea is not to buy a house unless you can manage to get your money back and a profit. Lately though I have been diversifying. I put a bit of money into mutual funds and some into gold ira investing. I am still pretty young and I am pretty much able to make more money working for a living, but I would much rather be a professional investor. Of course I do not mean that I want to sit in front of a computer with a half dozen monitors buying and selling stocks. I invest in stocks, but they are stocks that I do not need to worry about turning to dust while I am sleeping.

I am mostly thinking about spending a lot more time up on Smith Mountain Lake. I figure that maybe I can invest in some commercial real estate up there, mostly because it seems to me as though there are a lot of opportunities up there. I know that I can not really find all of the things I want very easily when I am up there. I spend a lot of time near the two big marinas up there. Both of them have some hotels or lodgings near them, but there are also so big condo towers that have their own marinas. I am thinking of doing something where you would have a little restaurant where I could eat, then go off fishing or skiing right away.

So How Does a Pension Loan Work?

Number of members of occupational pension schemes: by membership typeThe other day I was starting to think about ways to expand the business and my son asked me how an ssas loan worked. Of course we have our own self financed pension plan, in fact I am in it with all of the workers and some people from our families. It is not something that I intended to do at first, but we sort of expanded the plan and it is a bit more than it was ever intended. In fact I suppose that it probably does not fit neatly into any of the categories they have for those plans I suppose. In fact I have no clue what this sort of loan is, but it seems obvious that you would be borrowing with the pension plan as collateral.

I Found a Local Bookkeeper

When my bookkeeper decided to become a stay at home mom, I had a decision to make. I was very satisfied with her work, and I knew it would be hard to replace her. I interviewed a couple of replacement candidates, but I was not happy with any of them. I decided that perhaps I did not need to have an in-house bookkeeper, which is why I found myself doing a search to find a reputable bookkeeper on the sunshine coast. I have never used an outside agency before, so I wanted to know as much about the different companies as possible before I decided on which one to use.

I knew after I researched the first one that it would be hard to top them.

How Signing Up to Buy Forex Signals Earns Me Money

My decision to buy forex signals that come in every morning has really helped me in my speculative investing. I have a little bit of money that I like to put in higher risk investing. It is fun for me, and it can payoff big time. I have all of my other investments spread out according to measured risk. I have my low risk bonds and mutual funds, and my medium risk single stock holdings. My risky venture is the foreign currency exchange markets that are shortened to the term “Forex.”

I signed up for a daily service that lets me see where the currencies I trade are at, and where they are likely to go either high or low. I have to decide on whether the foreign currencies will go high for the day, or if they will go low for the day.

I Lost an Employee but Gained a Team of Advisors

Sunshine Coast: Sunny side upMy primary auditor recently resigned in order to take a new job opportunity. This left me in a terrible position, as my business was just entering the busy season. I needed to find an auditor in sunshine coast immediately. Thankfully, a referral led me to accountants that would be able to take over my books. I have never worked for the company like this before, so I was a bit apprehensive at first. After browsing their website and learning some more about their services and what they would be able to do for my business, I felt more at ease. I decided to give them a call.

As time went on, I slowly began to feel like losing this employee was not the end of the world. Based on the services that the accounting company could provide, not only would I be gaining the services that I had lost, but I would have the opportunity to add additional services that I never even thought about. This company is able to assist me with business development.

Trying to Get Back to Solvency

The journal that this archive was targeting has been deleted. Please ...I did not need to get one of those easy debt review deals to tell me what I needed to do, and so I have pretty much stopped spending money until I am back to where I need to be. I was pretty stupid when I was in college and I spent a lot of nights out with my credit cards and a girl. Of course I was having a really great time and so were a lot of my pals. It did not make a lot of sense to do it, but I was not used to paying my bills and of course you really do not have to pay off your credit cards. Those guys are pretty happy to let you pay the minimum. They can charge you those really high interest rates for the rest of your life and not really care if you die owing them a lot of money.

Of course my girlfriend is the one who was responsible for making me start taking action. She got a look at my bills and laughed at me.

Just About Ready to Start the Job

scope of work templateIke and I went down to the main office of the bank last week and talked about the business loan with the loan manager down there. Apparently the guy we usually deal with was not really sure he wanted to stick his neck out, or at least that was how we figured it. He was saying something completely different, but we knew that we were going to be sticking our necks out and while we have as much or more to gain, this guy did not really.

Three Names Struck off My List

I have started to peck away at my Christmas gift giving list already. It is going to be different from every other year, although I am sure that I shall put off some of it to the very last possible moment and frantically go searching for something. The first thing I got was a really nice coffeemaker for my Dad. He told me what he wanted and even showed me where to find a bed bath and beyond coupon for 2015 so that I could get it really cheap. I was convinced that I could find one for less, but he had obviously done his homework and I was indeed not able to get a better deal than the one that he had found. [Read More…]

Advice from the Finance Professionals

Cash Advance Anaheim Cash Loans Money Lender Quick LoansWhen I was going to apply for my first loan from cash advance lenders because I was in a financial bind I knew that I had to go and do a lot of research on the topic and what it meant to actually borrow money from a cash advance lender versus a traditional bank. I did not have any type of clue as to what was involved with those types of lenders. I looked up what they were on an online encyclopedia and then I started a very in depth search on the different types of blogs that could actually explain the terminology that I was reading on the lender web sites where I knew that I could just apply and within a few clicks have some money deposited into either my savings or checking account.

Go Ahead and Give It a Go

If you are looking for credit card debt consolidation then you have probably gotten yourself into a sticky situation recently. I mean when else are you going to need one of these companies to try and buy your debt from you, essentially what they do is go to the people you owe money and offer to buy the debt from them at a reduced rate, so you do not technically owe any more money for using one of these companies, it just changes it so you only owe one company instead of 10. It is a very simple way to pay bills and if you have a lot of credit card debt then you should definitely consider this to try and help manage it more. You see when you only have one bill it is much easier to keep it paid and judge just how much money you need to pay.

Making a Roadmap for Financial Success

The approach that people take to investing for their future is going to vary depending on where they are in their lives. For some people, binary options profits are going to be exactly what they need in order to plan for their future. For others, something different might be in order. Many times, it is going to depend on the age of the individual who is doing the investing. The vantage point that a younger individual has towards investing will be drastically different than that of an older individual. An older individual, is thinking about making investments that are going to pay off in the next 15 to 20 years. An individual who is in their early 20s, is still thinking 40 years in the future.

My Daughter Says the Funniest Things

What are some cheap auto insurance companies?I have a very cute five year old daughter. She says a lot of things to me and I don’t know where she gets them from. I think that she is like a little sponge and she just repeats whatever she hears from people. I want to talk to one of my friends on the phone, but I have to make sure that she is not in the room or I know that everybody will know what was said during that conversation. She told my parents how we were talking about the cheapest auto insurance and how it was going to save us money. She is like a little parrot and she repeats whatever she hears you say, but not only does she repeat it if you ask her specifically not to repeat something then she will go out of her way to go right to the person and tell them what you did not want her to repeat to them.

Get on the Binary Options, Now!

Binaire opties or binary options as the english folk call it are something that you really need to consider if you are in the investing business. They are the thing that will get you noticed and make you stand above the rest. If you are no good with binary options then you should probably consider looking into a new career path because they are a great majority of the stuff that you will be doing if you are an investor. Even investors for small businesses need to look into binary options because they can make you a lot of money. As the dutch say, if you are not looking into binary options then you are doing your job very wrong. They especially see the value in binary options and will invest in them almost exclusively because they enjoy them and can see how they will make a lot of money off of them.

Printable Macy’s Coupons for Christmas Shopping

Image of Old Navy Printable Coupons 2012 CanadaI am going to start doing my Christmas shopping in the near future, and I am going to do a lot of it at Macy’s, because there are a lot of women in my family that I need to buy presents for, and they all seem to like various things that are offered by that store. Anyway, I am hoping to save any sort of money I can, and as such, I am hoping to find some macys printable coupons on the internet that I will be able to use to help me save some money. I just got my printer hooked up and I put some new ink into it, so it should be ready to print any coupons that I am able to find.

The reason that I need to get some coupons is because I am operating on a bit of a budget here with regards to buying Christmas presents. I need to get presents for a lot of people, and I can only spend so much money in order to do so. Therefore, it is imperative that I am able to get any sort of savings that I can.

Break The Piggy Bank!

Thanksgiving is around the corner, which means that Black Friday is almost here. Are you going to break the piggy bank? What can you do to save money?

Make sure you shop around before you buy. Often the deals they list on black Friday are not good deals at all.  They are trying to get you into their store to make sales.

If you plan ahead and start early you will do fine. Make sure you set you alarm clock, and take cash. Sometimes you can get a better deal if you flash cash. These depends on the store, and it works very well with family run businesses. Try it out and save some cash on Black Friday!