Job Security Is A Thing Of The Past
This morning I got a phone call from my Mom and Dad who were on the road south to with their truck and trailer for a vacation. I knew they were leaving today, and had been planning this trip for a month or more. What I didn’t expect was my Dad saying that he doesn’t have a job to come home to. Turns out job security isn’t something he can count on, nor should you. He’s been working as a carpentry instructor for a few years now, and to be honest I’m not that surprised. I’m not sure he was even planning to return in the fall, but being terminated the day before he left on holidays probably wasn’t something he expected. He actually seemed a bit relieved with the news, but underneath I’m sure there’s some concern about what he’ll do for an income once he gets back. They did pay out a severance package, so at least he’ll still have a paycheck for a little while when he returns.3 Details That Affect the Mortgage Rate Offered
Borrowers often look at an advertised mortgage rate as written in stone. Unfortunately, there are several details that determine the final mortgage rate that is offered to a borrower.4 Common Options for Mortgage Refinances
Refinancing has become a common strategy to save money for many homeowners. There are several options that a homeowner must consider when making this financial decision for a new mortgage. These options are simple, but require consideration.Worry of NOT Having Enough Money
Is money the root of evil or the lack of it? Money matters can cause a lot of worries and affect our personal lives, family and even our health. Read more and be inspired.Importance of CFP Certification in Today’s World
CFP (Certified Financial Planner) Certification A certified financial planner or CFP is an individual that helps prepare financial plans for individuals. A CFP can assist individuals in a variety of aspects from their personal finances to their professional finances as well as dealing with estate planning. To become a CFP one must first get a certification in finance and take a CFP course.How to Determine the Size of Your Down Payment
Establishing the mortgage mindset is crucial, whether you are financing a 15 or 30 year term, it’s all the interest that you will gain in the long run. All lenders require a minimal down payment amount, the final decision will be up to you. The more you pay now, the less you will pay later on.Planning For The Possibility Of Divorce
“Begin with the end in mind” is good advice in most cases, but it is commonly frowned upon in marriages. Despite the stigma, a premarital agreement can mitigate the damage from a divorce.7 Savings Accounts All Families Should Have
Are you saving for the future? If not, would you love to save for the future?Using A Self-Settled Trust To Protect Assets
Trusts can serve many purposes, from transferring wealth to furthering philanthropic goals. If asset protection is a priority, a self-settled spendthrift trust can be a valuable tool for wealthy individuals and their families.Beliefs And Your Money: Do You Want A Five-Year-Old Making Your Financial Decisions?
It comes as a shock to many people that beliefs that are formed in childhood can have a profound effect on you when you become an adult. This is particularly important in the field of personal finance. Beliefs acquired before the age of six can have a lasting effect on your finances. Because of the way beliefs work, you could have a five-year-old making your financial decisions for you! Read on to find out more.Negative Beliefs About Money – Can You Really Change Beliefs, And If So, How?
Our beliefs about money dramatically affect our ability to acquire wealth. They are particularly insidious as they operate beyond our conscious awareness. If we’re not even aware of them, can we change them? And if we can, how can we change them? This article explores a five step technique to change our negative beliefs and ensure we’re on the road to wealth creation and financial success.Your Government Pension Is As Good As Gone
If you’re expecting a government pension to carry you through retirement, you may be in for a rude awakening. Governments around the globe are insolvent, and can’t possibly pay for all of the programs they’ve promised, including pensions.Need to Know Your Account Balance
The money in your account is not “play” money. Just because it is risk capital doesn’t mean it’s not important. You must always know your account balance. If you don’t know where you are, how are you going to know where you are going? Risk capital still has value if you intend to be successful. Many traders bring a gambler’s philosophy to the markets: “house money versus my money.”3 Key Habits for Reducing Spending and Saving Money (Part 1)
This article is about spending less money while saving more. Overuse of credit cards can be a drain on personal finances which can lead to debt. Creating a list of expenses and investing in stocks, mutual funds and certificates of deposit can build wealth over a long period of time.How To Pick The Right Accounts Receivable Financing Company For Your Freight Business
If you are in transport business then your company is constantly in need of cash to pay workers, fuel trucks and fulfill many other obligations. The problem is many of your customers may take time to pay for the invoices and others still need you to fulfill the services as usual.