Category Archives: Finance

Why Do You Need to Make a Budget?

You will say that you know where and how you spend your money and you do not have to write down every thing to keep track of it. But you are wrong, allow me to throw you a challenge. Just keep account of every cent you spend for a month. You’ll be stunned at how […]

Bailout: The US Could Rebound in One Year

According to Dr. Robert E. Pritchard, professor of finance (Rohrer School of Business at Rowan University), the US could rebound in one year (12-18 months), if things are handled properly today. Dr. Pritchard believes that the current economic crisis in the US can be traced to 1977 when the Federal Community Reinvestment Act was enacted. […]

The Stock Market and Alternative Energy

This is a critical time for financing alternative energy. We can keep gasoline prices affordable by investing in solar energy. An electric car, good enough for local commuters, can be plugged into house current or a solar panel. Solar panels can be protected by motion detector technologies. Most telecommuters need no more than an electric […]

4 Surefire Ways to Go Bankrupt

Think you’ve got it all together? Well, so did many people who are sitting in a lawyer’s office at this very moment. They’ve got their bankruptcy papers in hand, and they are ready to file. Their thoughts? “I never thought this would happen. I did everything right. I don’t know where I went wrong. Mama […]

Chapter 7 and Chapter 13 Federal Bankruptcy Rule Information

Because of the long-term affects of up to ten years on a debtors credit report, bankruptcy should be used as a last resort. If bankruptcy is the only available option for personal debt reduction, is Chapter 7 or Chapter 13 a better option? This article looks at the different rules for filing personal bankruptcy. What […]

Capital Protected FTSE Tracker — Pros and Cons: Using a Stocks and Shares ISA to Maximise Tax Free Savings

Many investors wish to benefit from positive movements in the FTSE 100 index, but they worry about the downside. Nobody wants to lose all their money on a stock market investment, but tracking an index of blue chip stocks is very different to purchasing penny shares. According to an article about FTSE trackers in the […]

Debt Collection Agencies Not Helping Borrowers: Are Personal Debt Repayments Set Too High?

Excessive, unmanageable personal debts have resulted in a growing demand for Debt Management Plans. The Times recently stated that 700,000 consumers had already turned to debt repayment plans where a lower repayment is made based on affordability. Struggling borrowers are now complaining that debt collection agencies are failing to co-operate and placing them under undue […]

Who is an IVA Most Appropriate For? Individual Voluntary Arrangements – A Debt Solution for Serious Debt

With spiraling levels of personal debt in the UK, it isn’t surprising that the Individual Voluntary Arrangement, also known as the IVA, has grown in popularity as a debt solution. It provides the most viable alternative to personal bankruptcy for dealing with serious debts. What is an Individual Voluntary Arrangement? Provided that 75% of creditors, […]

Hardship Grants Provide You with Fast Cash: Free Government Funding for Those in Need

From time to time, individuals experience things in their lives that leave them wondering where to turn for help. Hardship grants provide financial assistance for individuals who really need it – whether because of a natural disaster, illness or medical condition, loss of work or something else. By understanding how hardship grants work and how […]

The Four Golden Rules to Managing Debt: Beating Debt Before it Spirals out of Control

Debt can creep up unawares and cause a lot of misery. What begins as a small personal loan can get bigger until it spirals out of control. Following four simple steps can help resolve the problem. 1: Claim all Benefits It is surprising how many people do not receive all the money which they are […]