With easy access to money through credit cards, many people find they spend more each month than they actually have or can afford. It's easy to charge an expensive item on a credit card because money does not physically change hands. For example, one might charge a $200 item on their credit card without much thought, but probably think seriously about the purchase if required to pay for it with cash money. This leads to large credit card...more
Author: Jack SmithEveryone who uses Internet as a first source of information on any subject is well aware of feeds and why they are important. However, considering the world of information that is available out there on the Internet, you cannot trust all the feeds. People often first prefer to read the comments that other users post for a particular feed. These comments are also referred to as reviews of feeds. So, if you are looking for feeds...more
If you are going to go through the effort of organizing a yard sale, do it right by using these 7 yard sale ideas. You'll get rid of more stuff and put more money into your pocket.Use these 7 Yard Sale ideas and watch your profits soar.Yard Sale Idea 1: Whatever tables you are using, even if they are 2 sawhorses and a board, place disposable table cloths on each one. This will make them more attractive.Yard Sale Idea 2: Attractive arrangements is what will draw attention to what you are selling. Arrange your small items to the front of the table with the larger items in the back.Clothes laying on the ground is a huge no-no. It's difficult to shop this way, and certainly not attractive. If you can, hang these items on hangers and rods. Use an old clothes line or a rope strung from tree to tree. If that is too difficult, at the very least, fold and display them neatly on tables.The worst thing you can do is pile them in heaps on sheets on the ground. The discomfort of having bend down to shop is a huge deterrent to sales.Yard Sale Idea 3: Grab drive-by shoppers by putting your largest and most attractive items as close to the road as you can without blocking the view of those nice...more
The secret's out! Using coupons can add up to extensive savings at the checkout counter. But how do people do it? It's hard enough to remember to bring your shopping list and reusable bags with you to the grocery store, how can you remember to bring all your coupons too? And what do you do with them once you bring them with you? Getting started can...more
It is difficult to say when a financial emergency might strike leaving you baffled about arranging funds. Emergency situations like wedding of your child, paying a loan, funds for business, medical treatment etc. can pose quite a problem when funds are inadequate. To provide for such personal and random needs banks and private finance companies...more
To provide small size loans and insurance to the people with small means, who have less access to procure big or macro loans from the mainstream commercial banks, is what microfinance, is. Microfinance is initiated to finance the people with small earnings to alleviate poverty, reduce disparity in income and enhance the equitable distribution of wealth. But the interest based financing at micro level seems to be less beneficial. The problems faced by micro enterprises are:The ratio of revenues is low because of credit risk,The costs are high owing to high cost of business operations, which include the salaries of workers, rent, utilities bills etc.Above all, the specter of fixed amount of interest to be paid to bank.The leadership and management of Islamic finance, too, aims at the same goals of poverty alleviation as set by the motives behind microfinance. But Islamic finance insists on establishing interest free monetary system, based on Musharakah and Mudarbah. But the implementations of Islamic finance on micro level contain some problems. For example, it is based on the principle of sharing profit and bearing loss, which seems to be unattractive to many. In this treatise, a...more
I'm going to tell this story in the first person, but it's a real example from one of our clients and he wanted to tell his story anonymously.In January of 2008 my mortgage company sent me a notice that they decided they needed to increase my payment...more
Most New Year's Resolutions are about losing weight and getting in shape. Keeping this type of resolution usually involves joining a Gym or Fitness Centre. Unfortunately, due to the troubled economy, the 2010 year is shaping up to be a year of...more
In many instances, people shy away from investments because of the misconception that you either have to possess plenty of money to start investing or you have to possess plenty of knowledge to navigate the world of investments.Fortunately, this is...more
It's complicated to provide exact budgeting and forecasting information, although we have gone during the inflexibility of putting collectively as much budgeting and forecasting related information as likely. Even if you are probing for other...more
Some times needs are so important that you dont left with any other option, but to take the loan facility. But with the poor credit is seems little tough to avail the loan facility. The people who have the tag like default, late payment, CCJs, or...more
Its no secret that contractors, freelancer and temporary workers have to deal with a higher degree of uncertainty in terms of where there next job/contract will come. This uncertainty means that saving for a rainy day whilst making your money work...more