Category Archives: Financial Planning

Things you thought are good for your credit score but are not

01/15/2013

A lot of people think that as long as you pay your bills, credit card debt, and other financial obligations on time, you will have an excellent credit score. Maintaining a clean credit history does not automatically translate to good credit scores. There are factors that you think might be harmless but in fact they may play a role in shaping your credit score: Municipal debts You may well know that creditors will report to the credit bureaus when you [...]

Tips on how to negotiate your way to lower prices

11/28/2012

How much you can save on something, most of the time, depends on your negotiation skills. It can be very intimidating for a lot of consumers. If we think that price is too high, we just walk away. We often do not realize that we can negotiate for a lower price. In order to get to a more affordable deal, we must follow some tips that may not be always easy. Research well Know everything you can know about the [...]

Money Saving Tips for the New Year

12/30/2011

The year 2011 has not been very kind to a lot of individuals and families. Did you spend within your limits? Here are some tips to save some money come 2012: Travel The rising costs of fuel translates to more spending when it comes to using our cars on a regular basis and a bigger chunk of our budget goes to motoring expenses. The cost for commuting thru public transport has also risen. It will be more practical to join [...]

Ways to Prepare for Retirement in Your Forties

10/08/2011

There are some people that do not even think about retirement and how they are going to live on their retirement benefits until they are in their forties because when they are in their twenties and thirties retirement seems so far away. By the time they reach their forties they start to realize that in twenty-five years or so they are going to be ready to retire and enjoy life and the thought hits them as to how are they [...]

How to Start a College Fund for Your Teenager

07/31/2011

Going to college is expensive and the years go by it is going to get more expensive. The best way to start saving for your teenager’s college fund is to start when they are babies. Many banks have programs that are like a savings account that you can deposit money into, but it is called a college fund. There is an insurance policy that you can get and when the child turns eighteen they can either continue the policy or [...]