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Finance

Place to find information about Investments,Money Management,Stock Market and many more

Strategic financial planning – How mutual funds work

Strategic financial planning – How mutual funds work

Finance
Strategic financial planning - Mutual funds are popular, albeit often misunderstood, investment option. For the newer investor, mutual funds offer an alternative to risking precious money on a large number of different stocks or other investments. Pooling of Funds Is a Key Component Mutual fund accounts contain a wide diversity of securities, permitting individuals to join others in making smaller investments, while creating dollar pools large enough to make significant purchases of quality stocks, precious metals, bonds, or U.S. Government obligations. This pooling of money gives the fund the financial strength to make both wise and large purchases. Pooling also permits smaller or less sophisticated investors to enjoy the benefits of owning a small percentage of a wide variety o...
Global financial crisis promotes frugal living

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...
Personal finance guide – is personal debt out of control

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...
How to consolidate student loans: private and federal

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...
Better finance – money making hobbies

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? ...
5 Clever Tips to Select the Best Term Insurance In India

5 Clever Tips to Select the Best Term Insurance In India

Finance
Purchasing the best term insurance in Indiawith the right guidance becomes a straightforward task. However, first you must do is to understand the importance of life insurance and which plans suit your requirements. Different life insurance policies offer different benefits that may or may not be suitable for your financial situation. But luckily for you, the insurance providers now offer you the option to customize your cover with add-on benefits, choose the policy term, compare policies online, and buy the term insurance plan online at your convenience. But what is term insurance, and how do you get one? Let’s talk about it in detail. What is a Term Plan? A term insurance plan is a type of life insurance that is provided by insurance providers to offer you extensive coverage at ...