Paul Linus, Author at News, Views and Reviews

Jul92020 by Paul LinusNo Comments

Wealth solutions – Use economic indicators for investor’s edge

Business

Wealth solutions - An excellent example of a guide or financial advisory consultant is “The Atlas of Economic Indicators,” by W. Stansbury Carnes and Stephen D. Slifer. It is loaded with visuals for simplification and available in paperback. Economic indicators are business-related data, published regularly by the government – items like personal income and consumption, the inflation rate, the unemployment rate or GDP - which taken together indicate how well or poorly the economy is doing. They can also suggest how well or poorly it will do in the future with respect to wealth solutions. Financial advisory consultant says when these indexes show investors their prior assumptions were wrong, the latter can adjust investment strategies. They can tune in to what is really happening ...

Jul72020 by Paul LinusNo Comments

Global financial crisis promotes frugal living

Finance

The media is rife with stories of the negative impacts of the Global Financial Crisis, but there have been many new developments of a more positive nature that do not get coverage in the tabloids or gain airtime in the electronic media. Upside to the GFC - Lower Interest Rates Increase Housing Affordability Interest rates are down, considerably. The cost of a mortgage is well down on the rates being charged just eighteen months ago. Monthly repayments on variable mortgages are lower in line with lower interest rates, and if the repayments have remained the same the principal of the loan is reduced as the interest component of the repayment is a lesser proportion of the monthly installment. This allows the homeowner to get ahead, and create some contingency to delay payments for a whi...

Jul62020 by Paul LinusNo Comments

Personal finance guide – is personal debt out of control

Finance

Personal finance guide - It is understandable why money troubles have worsened. Consumers have become increasingly reliant on credit cards to cover the rising cost of living. Increased fuel costs, higher utility bills and more expensive foods have led to financial problems. We will discuss more in this article under personal finance guide. Why Consumers Struggle with Personal Debt and Money Issues No budgeting or no personal finance guide. A breakdown of income and expenditure helps those in money trouble calculate how much is left for social spending. Not prepared to save and over-using credit cards. Waiting too long to get financial assistance with money issues. Where to Get Free Personal Finance Guide It is possible to get personal finance guide from a number of source...

Jul52020 by Paul LinusNo Comments

How to consolidate student loans: private and federal

Finance

Lately, the National Postsecondary Student Aid Study shows that two-thirds of Bachelor’s degree students graduated with debt. The average debt reported was $23,186. A survey conducted by the National Association of Colleges and Employers found that only 19.7 percent of the college graduates were employed at the time of graduation. Experienced workers have flooded the market because of lay-offs, creating stiffer competition and decreasing entry-level compensation. Graduates with heavy student loan debt are finding that debt more difficult to repay. Why Consider Student Loan Consolidation? Loan consolidation, as with any financial decision, should be carefully considered with all the options fully weighed before making a decision. Once a consolidation loan is made, it cannot be rev...

Jul42020 by Paul LinusNo Comments

Better finance – money making hobbies

Finance

Better finance - With a difficult economy, many families are looking for ways to earn extra money from home to better finance their living. Using a hobby as a source of extra income takes advantage of one's passion and talents. Money making hobbies take many forms in better finance strategy. Many people miss the earning potential from their hobbies. Take Stock of Hobbies and Talents When looking for ways to earn extra money from home for better finance, take stock of skills, talents and hobbies. Make a list of hobbies that members of the family enjoy. The home business idea can involve the entire family. Do any of these hobbies hold the potential to earn money? Does the family member have strong enough skills in the hobby to make money and keep a hobby-based business running? ...

Jul22020 by Paul LinusNo Comments

How to choose DC to AC power supply inverters

Automobiles

Most electrical and electronic devices run off 115 volts AC (110 to 120 volts, or 220 to 240 volts in some countries). Adapters are available to charge cell phones from a car battery's 12 volts DC. However these need to be purchased separately and will often need to be changed for each new phone. Using an inverter (often misspelled as "invertor") means that devices can be used in the car without any special converters. Depending on the power rating and type, inverters can cost as little as $25 for a 100 watt model (modified sine wave) and can reach hundreds of dollars for more powerful models. Pure sine wave models (see explanation below) start at about $100 for 100 watts. Popular brands include Xantrex (Prosine, Trace, Freedom), Coleman, Vector and AIMS. Cigarette Lighter Versu...