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2012 July

Archives for July 2012

Overspending and Overeating

When we think of addictions that people struggle with in life, a few of the first things to come to mind are usually things like drugs or alcohol. Truthfully speaking, however, there are a ton of different things that can turn into addiction and each person has their own temptations that they are prone to. Overeating and overspending are two things that most people don’t usually classify as … [Read more...]

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Car Insurance Policies for Businesses and Companies

For vehicle owners, one of their top priorities should be insurance for their vehicles. Whether it is your private car or a rented car, you have to have car or auto insurance before you take the car to the roads. Though insuring a car costs a considerable amount of money, it is a necessity which car drivers can’t go without. Driving a car without insurance is a crime and in case the car makes … [Read more...]

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Hiring a Finance Speaker To Educate In Your School or Business

For schools or organizations that want to make sure their students/employees are on the right track towards financial security and stability, bringing in an expert finance speaker to address them is a highly valuable opportunity that should not be passed up. Many finance books touch on this subject, but it really is a shame that personal financial management is not taught in schools.  Young … [Read more...]

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A Trading Lesson: Discretionary Vs. System Training

Okay, so you're ready to become a day trader. You're all excited to start your trading career and then someone asks if you are going to become a discretionary or system trader. Huh? What? It's okay. The two terms are actually used quite literally and they refer to how a trader makes his or her decisions. System Trading System trading really is just what it sounds like. The trader uses an … [Read more...]

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Pre-Retirement: How Much Should You Save?

Through the years, the income that experts' estimate retirees need to have available up has varied greatly. The standard rule of thumb was that 70% of one's typical earnings should be saved up. Later, this figure was upgraded to 80%, 90% and even above 100% in some cases. How much is really necessary? Future retirees need to consider how their spending will change post-retirement. Some factors … [Read more...]

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Setting Up Your Business Phone Number

Setting up your business phone number establishes your business credit with the suppliers, creditors and lenders as they authenticate your phone listing during the verification process. A non-listed phone number raises a red flag and may lead to a credit rejection. You can look into different alternatives while setting up a phone line. Ensure that the phone line can be listed in the 411 … [Read more...]

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Health Insurance Secrets

Health insurance coverage is a coveted benefit. Those without coverage can run up huge medical bills for minor procedures, often ruining credit scores and emptying bank accounts. Even those with health insurance tend to pay quite a bit more than they might expect. It is always necessary to understand how your policy works, and always necessary to figure out ways to reduce your overall payments. If … [Read more...]

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Why Income Protection Insurance Might Be A Smart Choice

If you are an energetic and fully employed man or woman, especially a young one, chances are that you will probably turn up your nose at the very mention of Income Protection Insurance. Nobody in their right mind can really be bothered about saving for a rainy day when you are at the height of your faculties. All of us like to maintain the mirage that it will always be as rosy as ever, new … [Read more...]

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How Social Media Posts Can Affect Bankruptcy

Debtors who declare bankruptcy will either face liquidation of their assets or a strict, court supervised debt repayment plan. What many people do not realize is how social media posts can affect bankruptcy. No Privacy When you post details of your life on social media websites, this information is freely available to anyone who wants to read it, including debt collectors. Debt collectors … [Read more...]

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Dealing With Bankruptcy During Retirement

Senior citizens are one of the fastest growing segments of the population to file for bankruptcy. Bankruptcy in retirement is becoming increasingly necessary for several reasons. The most common reason is due to medical expenses. The sandwich generation has also run up credit card debt while finding that they cannot make the money they expected to pay for it, while giving money to grown children … [Read more...]

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Covered Calls: Top Facts You Should Know

Trading in covered calls options is a winner’s game. Considering that 75% of all options held until maturity will expire worthless, it's much better to sell call options to other people than to buy them. Buying them is more like gambling.  Selling them is similar to collecting interests. 1973 was when covered call options was first introduced to the public. Since then many investors have … [Read more...]

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The Canada Pension Plan

The Canada pension plan, also known as CPP, is a contributory program whose main function is to ensure that all persons employed and aged of at least 18 years old are making contributions based on their income and get them under the form of pension payments when they retire. The Canada pension plan, along with the Old Age Security, forms the Canadian public retirement income system. With the … [Read more...]

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The Financial Benefits Of Renting To Own A Home

If owning a home is something you dream about, consider the rent-to-own option. This option works in your favor if your current credit standing is poor, you do not qualify for regular bank financing or if you do not have a large down payment to put down on a home. As with any good thing, renting to own a home does have its benefits and pitfalls. Getting Started The process is relatively … [Read more...]

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Getting The Most Out Of Your Insurance Settlement

Whether you have been involved in an automobile accident or are receiving a different type of settlement, you are probably more than a little bit anxious to get the cash in your hands. Many people make the mistake of spending their settlement far too quickly, and they soon find themselves penniless and with absolutely nothing to show for it. Here's how to carefully plan the spending of your … [Read more...]

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Eat Cheap, Healthy And Save Money On Food

Cheap food, is bad food right? Well... not always. And there is a kit of money to be saved here if you know how to tell the difference. One of the things that I firmly believe is that it’s worth spending the money for good food. However, this doesn’t mean that it’s worth spending excessive amounts on expensive food. Remember, a higher price tag doesn’t necessarily mean superior quality. To … [Read more...]

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