Tag Archive | "expenses"
Risk Management Practices Protected in House Derivatives Reform
Members of the U.S. House of Representatives have taken an important step toward securing access to vital corporate risk management tools with the passage of the Wall Street Reform and Consumer Protection Act of 2009 (H.R. 4173). Over the past year, the Association for Financial Professionals (AFP) has worked with legislators to explain the vital role [...]
Continue reading...Black Friday Shopping: 2009 Online Statistics
Monday, November 30, 2009
PriceGrabber.com, a part of Experian, revealed today that shopping enthusiasts continued to take advantage of Black Friday promotions and incentives in popular product categories, such as MP3 Players, Plasma & LCD TVs and GPS. The most sought-after products on Black Friday 2009 included Wii(TM) Console, nuvi® 265WT GPS and Apple iPod® touch 8GB. PriceGrabber.com’s recent holiday [...]
Continue reading...Financial Facts Asks: Are Cash Back Credit Cards Past Their Sell-By Date?
Monday, November 30, 2009
New research has brought to light the shocking decline in the number of credit cards offering cashback options. 43 cards offered the feature back in 2005; in 2009, the number was down to a mere 13. However, as Stuart McKeggie, Head of Sainsbury’s Credit Cards, recognises “there are cards out there offering great reward alternatives.” [...]
Continue reading...Bankrate: Mortgage Rates Set New Record Low
Friday, November 27, 2009
The average conforming 30-year fixed mortgage rate fell to 5.00 percent, according to Bankrate.com’s weekly national survey. The average 30-year fixed mortgage has an average of 0.44 discount and origination points. The average 15-year fixed mortgage was down to 4.47 percent while the larger jumbo 30-year fixed rate rose to 6.03 percent. Adjustable rate mortgages decreased [...]
Continue reading...Spiking Credit Card Rates Make for a Bleak Black Friday
Wednesday, November 25, 2009
With the economy in a holding pattern and the holidays just around the corner, many New Jersey consumers feel forced to rely on credit cards for their shopping needs, but dread doing so. Why? Chances are they’ll have more trouble paying them off than ever before. In fact, recent reports show that many consumers have seen [...]
Continue reading...Mortgage Rates Post Mixed Results
Friday, October 30, 2009
The average conforming 30-year fixed mortgage rate inched higher to 5.35 percent, according to Bankrate.com’s weekly national survey. The average 30-year fixed mortgage has an average of 0.37 discount and origination points. The average 15-year fixed mortgage was also up slightly to 4.74 percent while the larger jumbo 30-year fixed rate sank to 6.40 percent. Adjustable [...]
Continue reading...The Need For A Family Budget
Friday, August 21, 2009
The need for a budget is as important as the need to pay expenses. Every family unit, no matter how big or how small, needs to plan their finances. For sure, no one wants to run into a long list of debts. No one as well wants to lose a purchase they have paid a [...]
Continue reading...The Importance of Budget
Thursday, August 20, 2009
Do you ever find yourself dealing with money shortages every month? There might be some problems with your proper handling of your money. First and foremost, you have to learn the basics of proper spending and saving. Knowing the basics first will guide you through the process of money management easily. But first, let us take some [...]
Continue reading...Personal Budget Planning
Wednesday, August 19, 2009
A personal budget is a guide that we usually use so that we know how much we can spend without breaking our treasured bank account. When preparing a personal budget, the number one rule is to make it realistic to cater your needs and your wants. There are also unforeseen expenses at any time and in the [...]
Continue reading...How To Live Frugal
Thursday, August 13, 2009
Tired of all the numerous expenses you can not get rid off? Start saving. Stop spending too much. Live frugal. Here are economical ways for you to get started in saving. * Keep track of your spending list.Keep a journal of everything you purchase. At the end of every month, review your spending priorities and then, make [...]
Continue reading...Tips on How to Choose Life Insurance
Tuesday, August 11, 2009
There are several factors that will determine whether or not you need life insurance. Here are some tips on how to choose a policy that is right for you. * Who should buy life insurance? Life insurance is recommended to those who have dependents, those who are self-employed or own a business, and those who want [...]
Continue reading...How to Stay Disciplined with Your Savings
Wednesday, August 5, 2009
Staying disciplined with your savings is just as important as staying disciplined with your family budget. When you open a savings account, you are given a passbook. Every time you make a deposit or withdrawal, the amount is recorded in the passbook. Let’s say, for example, that you have an online business where payments are made to [...]
Continue reading...Cut Costs But Save More
Tuesday, August 4, 2009
Are you dealing with the dilemma that your income is getting too tight? With your everyday income, you can actually do a lot of things to cut down your expenses. Get started by taking an inventory of the things you spend money on on a daily basis. Try to make a list, starting with morning [...]
Continue reading...Create A Household Budget
Monday, August 3, 2009
In these times of economic crisis, having a budget is a key to to stay on track with the money at hand. A budget should not be seen as a restriction, telling you what you can’t spend, but rather as an empowering tool, letting you know what you can spend and giving you the means [...]
Continue reading...Steps to Get You Started in Reducing Your Debt
Monday, August 3, 2009
This life will always be bound to having debts. Eliminating your debt is an honorable goal no matter where you are in your life. Reducing the amount of debt you have will give you more flexibility in your budget and leave you more prepared to face any of the bumps that life tends to throw [...]
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Saturday, December 12, 2009
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