Why Healthy Relationships are Financially Sound

There’s a time in every couple’s life when things move from dating to planning marriage, kids and an entire life together. Besides love and happily ever after, this step forward involves a wide series of changes in a couple’s life.

Money heart

Moving together means sharing not only the house but also the current expenses. Who’s paying for what could soon become a problem in a couple’s dynamic. Because talking about money is less fun than planning the next night out. So, before saying ‘I Do’, partners should take some time to discuss finance.

Knowing what to expect from your partner in terms of financial stability is essential when planning to build a family.…

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3 Ways to Improve Retirement Planning

One of the many things that can put stress to people is thinking about future and making retirement plans. Younger generations almost never think about retirement planning, although this is serious and important issue to think about.

Retirement planning

Saving money to spend it in retirement days seems like a thing far away to many people, but truth is that time goes fast and it is wise to make plans about future. Many people avoid retirement planning because it reminds them of getting old. But you should get rid of that mindset, quick!

Life begins after you retire

Sure, the working days are over, but being retired does not mean that the life stops.…

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Get The Most Value for Each Dollar You Spend: Here’s How (Infographic)

Think of the ways you spend your money! Be specific, be controlled and affording luxurious things will no longer be a dream. The infographic drawn by Oliver’s Travels gives us a clear comparison between what we buy and what we could buy for a certain amount of money.

Piggy bank

What if you were told that instead of spending money on 12 nights out in NYC, you can book a 5-Day tour to visit Canada and view the Northern Lights? What if you do not spend $906 on Christmas this year and instead rent out a villa in the Caribbean! The infographic has an advice for Formula 1 fans too.…

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Which Makes More Cents In Canada: A Big Banking Institution or a Credit Union?

Credit unions perform the same functions as banking institutions around Canada, but not everyone knows what they are or how they work. Whether the average Canadian is looking to invest their money in a savings account or borrowing money for a home or car purchase, they typically go straight to their local bank lender. But that might be a mistake. Not investigating the many opportunities to join a credit union and reap the benefits may have many consumers missing the financial boat.

Credit union

It isn’t just Lehman Brothers who got caught doing unscrupulous things over the past decade; Wells Fargo is still involved in a class-action lawsuit for signing up customers for products unwittingly and using their banking information without their clients’ knowledge.…

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Is Cash really Dead? 4 Reasons Why You Should Avoid Using It

Plastic have become so much the in thing when it comes to financial transaction that cash might as well be dead. Well, maybe not. But while there may be some benefits in using cash for your purchases and everyday transactions, they are even more benefits to using credit cards.

Using a credit card

If you can use plastics responsibly, you find that you are better off doing your payments with a credit card than with cash. Let us examine why the credit card comes out on top and why you should minimize your use of cash.

Credit Card builds up your credit rating

When you charge your expenses to your credit cards and promptly pay them up every month, you are building up a very strong credit score.…

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How Your Personal Financial Decisions Could Affect Your Business

Life is rough all on its own. When you add money too it, sometimes it can be too much. However, as a business owner, you must learn how to balance your own finances before you can create success in the finances of your business.

New business financial meanagement

With so many businesses going bankrupt, it might be a wise decision to invest in a little know how when it comes to money. Below are a few things that might occur in your company if you don’t.

Stay Ahead Of The Bills

Paying bills is my favorite thing to do, said no one ever. Yet, it must be done.…

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How to Get an Instant Loan of up to £2,000 for Your Business

Getting a loan nowadays has become a common practice because of all the expenses one needs to cover in a single income. Especially in the UK, it is inevitable to apply for a loan whether you have a good credit rating or a not-so-perfect score.

Instant loan

These loans are required for debt consolidation, to pay for a new car, college fees, emergency and unforeseen hospital bills, business expenses or capital, and so on. But at times getting a loan becomes difficult because banks typically look at your credit score and if it is less than perfect, they usually decline your application.

The same goes for credit unions and other organisations out there because they need some guarantee that you would be able to repay the loan amount without defaulting.

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Why Millennials Need to Think About Buying Gold

If you are a millennial, you are probably still trying to launch a career, secure a job position, and perhaps make enough money to get married and settle down. Things like gold are probably the farthest from your mind, unless you are an investor or a trust fund owner. If you are, or ever have, thought about buying gold, then great. That means you are on your way to securing your future finances. If you have not, then you really should think about buying gold, along with saving and investing, to be better off financially in the coming decades.

Gold bar

Read below to find out why, as a millennial, you should consider buying gold.…

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Options For Handling Personal Debt Before Starting a Business

There are going to be times when people have a great idea to start a business, but still have some financial baggage in their personal monetary history. The question that hits: is it possible to start a new business while being privately in debt? The answer is – it depends. But, at the very least, having a goal for the personal debt is a must before you get too far into the details of your new business venture.

Paying personal debt

So to begin looking at your options overall, consider things like debt consolidation, taking out personal loans, talking to the SBA, getting angel investors on board, and using crowdfunding and crowdsourcing as a modern resource.…

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How To Deal With A Debt Collection Agency?

In recent times, ignoring creditors’ phone calls and failing their continuous attempts of setting the debts has become a massive issue. Though a majority of individuals do not ignore creditors intentionally but yet it seems like you are making a big mistake by avoiding them.

Debt collector

If you’ve been recently contacted by a debt collection agency for the first time, you may worry that this can happen again anytime in upcoming days. After all, those big long pending bills and lack of the time to pay it, is such a combination that one can never take lightly once the matter goes to a collection agency.…

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