Energy is expensive and paradoxical; how can it be that even though the earth and sun are constantly generating energy, it is considered to be so rare and costly? Before I present five home energy saving tips, look at the sun, feel the wind, jump in the waves and think about volcanoes; all these physical forces are being used to generate electricity in many places all over the world, so why don’t we? Answer: I have no idea, but maybe you do. 1. Insulate insulate insulate
Saving money brings enormous benefits to consumers both financially and psychologically. It allows consumers to raise their credit score and thus borrow money at cheaper rates, and to feel more empowered over their lifestyle. Understanding personal finance is a very important aspect of saving money. Given massive credit expansion in recent decades, the economy has grown at a very fast rate and allowed consumers to live beyond their means. While wages have stagnated or dropped in terms of purchasing power, borrowed money, largely from credit cards, has compensated for this drop and given many people the notion that easy money will continue indefinitely. If enough people begin to default, which happens when credit comes easy for a prolonged period, interest rates will rise. Higher interest rates increase the cost of living for consumers, and, consequently, their quality of life will drop.
Energy providers such as British Gas recently announced that energy prices will be rising between five and seven per cent with immediate effect. Many people have large houses with high ceilings and rooms going unused. If this sounds familiar, now may be the perfect time to downsize to something more cost-effective. Traditional methods of selling a property on the open market are long and drawn-out at the best of times. Coupled with the current dire housing market, you could be waiting a long time before you manage to move into a smaller property. In periods such as this, alternative methods of property selling can effectively shorten the process, meaning you can get saving more quickly.
Spread betting is something you’ve probably heard of before. You might even be very familiar with it if you bet on sports, where spread betting is common. What you might not know is that many investors from around the world make a lot of money through spread betting on financial markets. There is actually very little difference between betting on the goals scored in a football match, and the price fluctuations of a financial instrument. For those that aren’t clear, spread betting is when you bet on the amount by which your prediction is correct, rather than just betting on a particular outcome. So you might win more money the more points in a sports game for instance. It’s very similar in finance; you wager a certain amount and then you earn more, the more the markets move in your favour. If the market moves against you, then you lose […]
The seven states that comprise the United Arab Emirates (UAE) are a thriving part of the world that play an important role in international business, tourism and finance. Significant investment in regions like Dubai and Abu Dhabi indicates that commerce continues to boom, particularly in cities where skyscrapers and glittering hotels are now the norm. The UAE attracts a cosmopolitan expat community – apparently almost half of the resident population of Dubai City – who are drawn to the high standards of living, attractive taxes and impressive wages, alongside excellent education services and exciting shopping and entertainment opportunities. In other words, the UAE tends not only to attract a certain age group or income bracket, but people of all nationalities and abilities.
This article provides a five point survival plan for failing businesses. Even if your firm appears to be in good health, it is still worth carrying out this audit to put your company on a better footing. Your main priority is cash flow. Seek help as soon as you can because there are many companies which provide financial services especially for businesses. Apart from traditional solutions like business loans there are also a number of other considerations. For example, factoring and invoice discounting might be two options worth investigating. These can help to ease cash flow when you need it most. Factoring is selling on your debtors’ invoices to a third party. This means that you get your payment quickly and you don’t need to waste time or energy pursuing bad debts and late payments. Invoice discounting means that you can use your current customer invoices as collateral against a […]
During tough economic times, many people’s finances fall into shambles. Even if you’ve been a diligent money manager in the past, a downturn in the economy can wreak havoc on your bank account. At least, it can if you let it. You don’t have to sit back and watch your financial situation fall apart during a recession. There are plenty of small but effective ways to stay on the right track financially. A handful of the best tips are outlined below. Refinance Your Mortgage
Congratulations! You’re expecting. So now it’s time to get down to business. Your baby is going to cost a LOT. For a thing so very tiny, the dent in your bank account may come as a surprise to new parents.
Trying to get a loan for a small business can be very difficult these days. The interest rate might be too much or some are just afraid of taking their chances with living on credit. A lot of companies today are working hard to meet the consumer in the middle so business can be established between the two. There are three good options to consider when you try to come across money for your small business. Consider pay day loans to be your first option. This is a great place for the average unbanked person. A lot of help with short term cash loans can be found here. With these establishments, a person’s credit score is not a big deal. Most of the time, you do need a pay stub when you go in and apply for a loan. This is so they can get your information and how much […]
Debt is not something anyone wants. In fact, it’s one of the most hated things in American culture today. Debt is flat out a pain in the butt. First off, you don’t own whatever you purchased, so every time you look at it, you are thinking about the bank! Then, debt also makes paying for things like the utility bill and groceries a hassle. It just makes your life that much more complicated. It’s no fun at all! Thankfully, there are companies like Payplan that make debt their business and their bread and butter. Gone are the days where you didn’t know where to go to with debt problems. It’s easy to dicuss debt issues with them and resolves your problems with whatever bank or store you owe debt to. Dealing with debt is the first thing you need to do today.
Savings accounts are common personal financial accounts that pay you a little return on your deposits. People open these accounts for a wide variety of reasons, but for some folks, saving money seems close to impossible. Luckily, saving isn’t nearly as hard as you might think. Here are several tips to help you find “extra” money that you can deposit into a savings account, so you can watch your savings grow.
Shopping for eyeglasses for less can be a challenge sometimes. One of the major aspects of our lives that make this process easier is our access to the internet. Of course, you can spend hours online searching for affordable prescription glasses but why spend all of that time when you can just go to Glasses.com. At Glasses.com, you can choose from the wide variety of eyeglasses, sunglasses, Rx sunglasses, and computer and 3D glasses. This website offers high quality eyewear from popular brands such as Oakley, Guess and Eddie Bauer at a fraction of the cost. Why not get quality eye wear for a discount price? When you are shopping for the latest fashion trends in terms of eyewear, anyone’s mind will immediately go to money. Everyone has a budget but sometimes high quality eyewear is not part of it. Fortunately, this does not have to be the case because of sites […]
Setting up a new business can be an expensive business unless you start planning your costs early and thoroughly. There are many ways to boot strap your business, keep overheads low in those important early months and ensure that your business has a strong footing on the path to success. Alternatives to Bank Loans
1. How Much Coverage Do You Want on Your Vehicle The first thing you need to do is determine how much coverage you need. The amount of coverage you need varies by state. Some states do not require drivers to have auto insurance, other states require drivers to have at least liability insurance. If your car is not paid off, you will be required to purchase full coverage. You can get liability only insurance on a car that is paid off, but if you are accident prone, you should consider getting full coverage. For full coverage auto insurance, I recommend you check out fullcoverageautoinsurances.com! 2. Review Your Current Insurance Policy
The years between ages 13 and 19 are the most difficult time in a young person’s life because they have many of the feelings and emotions that comes with being a young adult, but lack the maturity and responsibility to adequately deal with them. Parents are often forced to walk a fine line between doling out age-appropriate discipline when behavior gets out of hand and finding ways to train their teenager up in a way that results in them growing into a respectable adult. Teenagers Are Expensive
By the time a child is old enough to receive an allowance, he is old enough to start learning how to be financially responsible. An allowance could be the perfect tool to teach children that money is earned, rather than given to them, and it should be managed with care. Holding children accountable for money helps them appreciate the value of dollars and the power they can have as a result of managing it well. Each time an allowance is rewarded, parents should have a conversation with their children about how the “income” they are earning will be spent. At least half of the allowance should be set aside for a “savings.” This could be a physical place where money is stashed or a real bank account that parents have set up for them. Children who start the practice of paying themselves first at an early age will continue this […]
This quick guide to basic banking aims to answer any questions you may have about lesser-known accounts, which are great for people with low credit scores, or those in debt that are trying to organise their money and get back on track. What is a basic bank account?
In this day and age, a lot of people are talking about ‘fairness’. There’s a good reason behind this, as many people who have been caused distress after something like a horrific accident want justice, as they may have suffered in a variety of ways. The importance of getting justice at the expense of the person or people who have caused their injury is reason enough to go to the likes of First4lawyers for help, as they know the area of personal injury law inside out. One way of seeking justice is making a claim for compensation. If the consequences of your injury include having to quit your job for health reasons and spending a fortune on healthcare such as medicine and treatment, then you may be able to go down this route. People in increasing numbers are doing this as they feel that any compensation awarded has enormous financial […]
Part of starting a small business is figuring out how you are going to accept payments from customers who want your services or products. While you can always take cash or checks, expanding your available payment options can increase business. Most businesses realize that they are going to have to accept credit cards if they want to be able to compete in their markets. When it comes to processing credit cards for your business, there are a few different options for you to consider.
For the socially conscious investor, you can impact the world around you. SRI investing can bring not only reasonable returns, but also peace of mind.