One of the most challenging aspects of managing your personal finances is knowing how to control debt. Its very tempting to start borrowing - how else can you survive if your salary remains stagnant but the cost of living continues to skyrocket? Its also hard to maintain a frugal lifestyle when todays society places a high value on material things.Many people think that the quickest solution to having insufficient funds to buy what they need or...more
The IGVSI Bargain Stock Monitor clearly reflects the strength of this eleven-month-rallying stock market. In fact, the bargain monitor is sporting the best numbers ever recorded. No, this is not a "buy" signal. The numbers are telling you that most Investment Grade Value Stocks are at or approaching their highest valuations of the past 52 weeks. Market Cycle Investment Management (MCIM) Program portfolios are approaching the all...more
Having been in the financial services industry advising clients for over twenty years I have observed a strong and consistent trend when peolpe consider their financial futures and assets.This trend still leaves me somewhat perplexed yet forms the basis of much discussion with clients as I attempt to raise their awareness of the consequences of them focussing on insuring their personal possessions rather than insuring the individual's whose efforts have generated the current standard of consumption/living and will underpin future lifestyle through future income producing activity.Most clients I deal with will have basic cover against real property loss yet very few will have valued and insured their most valuable asset. The vast majority of people when asked the simple question - What is your most valuable asset? They will nominate from the following list usually in this order: 1. House 2. Car/Motor bike. 3. Furniture. Valuing these assets they are usually considerably lower in value than the future income generating capacity of the individual.The average house price in Melbourne Australia has just reached $A500,000 (The Age 2009), a new Ford 6 cylinder, 4 door family sedan costs...more
Imagine that the official length of a meter changed day to day – 80 centimeters today, for example, and 115 centimeters tomorrow. And that every country had its own measure of length – say the meter in India and the yard in the US – and the conversion rate between the yard and the meter again varied from day to day. This...more
Firstly, thanks for taking time to look at this article and review. My name is Matt Williams and i have been in this industry for just about 1 year now. I have tried numerous different systems over the past year to test to see which one was the greatest for me. Im going to offer a short Review on MLM Lead System Pro (MLSP).What you...more
Most individuals have at least one or two credit cards, and many have even more. Credit card debt can stack up fast, and getting rid of it usually takes years of effort. With more and more people seeing their paychecks fail to keep up with rising prices, you may be among those who have been maxing out their credit cards and accumulating massive credit card debt.What you might not realize, however, is that credit card debt is not only the most expensive debt you can carry in most cases, but it also takes longer to pay off and eliminate than any other debt you might have - other than your mortgage. But you can get rid of your credit card debt now by consolidating your credit card balances with a new lender. Why Pay Interest On Bread And Milk?Credit card issuers are among some of the most unscrupulous lenders in the industry. Oftentimes, you will be offered what appears to be a great credit card, until you read the fine print. Most credit cards start out at a very low or non-existent interest rate (often zero percent), to lure consumers into taking out the card - only to rise to rates as much as 24.99% interest after a very short period of time. Failure to read the fine print can lock...more
Despite having multiple faults that you made in the past towards making the payments, there are usually not many hurdles in finding out a loan for your requirements, if you are willing to put your property at stake. Adverse credits secured personal...more
You've got to make money before you spend money. If you think of the kind of financial advice you usually get from financial advisors, you'll probably find that it's pretty much entirely focused on the second half of that sentence: saving and...more
Auto title loans have helped many people in a time of need. These types of loans are granted to people who own their car outright and use that car as a form of collateral. Depending on the type of car that you have, age, mileage and condition will...more
If you are not working with a large bank, investment firm, or government agency, then your participation in the online foreign exchange market will be at the retail level. As a retail forex trader, you will work with a forex broker or market maker...more
If you can combine support and resistance levels with something called "market clusters" when you are performing your forex chart analysis, it can yield reliable trading signals that can tell you where you should enter the market and where you should...more
Many writers among us are clueless as to what a sentence punctuation fixer is or does and its capability to aid us in our quest to write correctly. In these modern times, we all now practice the art of writing to articulate our...more