Buy Your Dream House with a Low Credit Score

It’s nice to know that the large sum of money you’re spending on your home each month is going towards an investment. If you rent a home or apartment, or condominium, however, your money is going towards your landlord’s investment, not yours. Are you tired of paying someone else’s mortgage each month? Then it’s time to consider purchasing a home of your own. Contrary to popular belief, you don’t need perfect credit to get approval for a mortgage. It helps, Read More...

Put Away $1000 Without Stress This Year

Your financial health depends on having a savings account, to protect you and your family from financial emergencies. Having money in a savings account becomes invaluable, in the event your family suffers a significant pay cut or layoff. The same holds true for unexpected needs like home or vehicle repairs, or medical bills. What You Can Do Don’t wait, start a savings fund today. It doesn’t have to be a big expense each month, especially in the beginning. Let your emergency fund Read More...

Money Management Worksheet

Do you know where your money’s going these days? Does it seem to disappear as fast as you can make it? You’re not alone. Millions of people spend money just as quickly as they earn it, never really knowing how it’s being spent. That is, until it comes time to figure out why your bank balance is so low at the end of the month! Most of the time, minor adjustments are all that’s necessary to get your budget and your finances back in shape. One basic law of finance is that to balance Read More...

Financing Tips for Leasing or Buying Automobiles

When you’re looking for a new vehicle, you have two basic options – lease or buy. You can either strike up a lease agreement with a dealer or purchase your vehicle with cash or through financing. Leasing provides short-term benefits without ownership, while buying a vehicle is a more serious commitment with greater long-term value. To get the most out of either form of financing, you should familiarize yourself with the benefits and drawbacks of each option. Both have benefits Read More...

Teaching Financial Responsibility to Teenagers

Your teenagers can grow up with a bright future if you’re able to instill good financial habits into their lives. Money management basics will help your children plan ahead and achieve their life goals more successfully. Talking about money with your teenagers may seem a little strange at first. That’s why we’ve compiled these steps to explain budgeting, shopping, saving, and using credit wisely. Budget Wisely 1. Monitor your spending Have teenagers keep track of their Read More...

Making Safe Investments with Good Return Rates

If you have a limited amount of expendable income, investing can be scary for the majority of beginners. All investments have an element of risk, so the solution for those seeking their first safe investments, is to seek out opportunities that will minimize the amount of risk you assume while earning you some decent return rates. The key to safe investments is investing in a “top dog” that has yielded good results in the past, where you can expect a moderate to high return on Read More...

Personal Financial Checkups

Many of life’s strategies require an occasional checkup to monitor your progress and see how you’re doing. This allows you to make corrections to your course and ensure the path you tread leads to the level of success you want to experience. This is especially true with personal finances. Our fiscal health affects our self-confidence, our sense of well-being, and ultimately, our happiness. Periodic financial checkups help evaluate where you are, where you’re going, and how Read More...

Kinder Institute Gives Meaning to Financial Planning

Life planning and financial planning go hand in hand, since one relies on the other to be fully realized and to maximize our life’s journey. A sound financial future guarantees a more fulfilling life with more potential for great joy, happiness, opportunity, and peace of mind. There are some individuals dedicated to making these financial concepts a reality, and not just a lifelong dream that never really comes to pass. George Kinder is one of those people. As head of the Kinder Read More...

Investing During Difficult Financial Times

When the economy sinks and money becomes tighter than ever, investments will be one of the first things to neglect. The same is true with real estate or stock markets, since these represent investments with risks we may not be able to afford. Fear of failure or another downturn holds people back from taking risks like these. You can still make shrewd investments, but it requires you to be more cautious. Investing is one of the surest ways to build a nest egg for the future. If you take the Read More...

Take Away Tax Day Stress by Planning Ahead

April 15 is a foreboding day for many people, because that is usually the deadline for filing income taxes. It doesn’t have to be so ominous or overwhelming, though. Use these strategies to improve your financial future and reduce your tax day stress by getting an early start on preparing your income taxes. Consider these tax strategies to plan ahead for tax day: Start gathering records early Spend some time gathering your documentation beforehand to have everything you’ll need to Read More...

Page 3 of 512345