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  What is your “financial” resolution for 2016? Most Americans want to reduce their outstanding debts by the end of 2016 and pave the way for a healthier financial future. United States (US) consumers continue to struggle with their credit card debt. According to the Federal Reserve and a few other government statistics, the average American household now owes around $7,821 in credit card debt alone. During the first quarter of 2015, it was reported that the total outstanding consumer debt had touched $3.34 trillion and credit card debt accounted for a major part of that debt. If you are…

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Okay, so probably the title says it all. The heading of this article is in itself a big controversial topic in our countries investment market for several years now. This question could never really be answered by any one. Because, let us face the truth, no great a genius can give a clear cut answer to this question simply because this question does not have a clear cut answer. The question to this answer may vary from person to person and according to their personal choices. But then you would think, if this is such a personal choice, why are…

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When times were good it was easy to be casual about money. Credit Card Companies used an aggressive marketing strategy offering all kinds of incentives to consumers to take and use their cards. They often gave unsolicited credit limit increases and such temptation was often too hard to resist. Inevitably people often lived beyond their means and used credit cards to withdraw any money needed to meet their financial obligations. They often simply made the minimum 5% payment to comply with their cards’ regulations. Their debt almost crept up without their noticing and when the recession came there were many…

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Insurance is an important element in many aspects of your life. While some people see insurance as a waste of money if they never make a claim, it is meant to be there if a problem occurs. The contents of your home may seem like a minor expense, but if you were faced with having to replace everything at once, you would be grateful for the insurance you have. Like having third party car insurance, purchasing home insurance is a necessary part of ownership. Learn why it is so important to make sure all the contents of your home are…

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When it comes time to change your vehicle, buying brand new is not always an option. But it may not always be the smartest option either. Here we’ve listed some outstanding cars that you can buy second-hand for a fraction of the price. Volkswagen Touareg 4.2 TDI The second generation VW Touareg was a more understated and sophisticated take on it’s popular predecessor. The 4.2 version with the smooth yet strong 4.2-litre diesel engine, is an impressive fusion of performance and efficiency. The Touareg was developed alongside the Porsche Cayenne so it’s also surprisingly agile for such a large car. Add…

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As you consider applying for home loan, it is prudent that you consider personal finances. The amount of money that you earn when compared against what you owe others will be used to establish what can be lent to you. This is crucial because houses cost differently and you could select the one you can afford. Here is how to establish the amount of home loan you can afford. Establish what is your monthly income It is important that you establish the total monthly income. This should include your regular sources as well as recurring returns that you can articulately…

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If you’ve been pouring premiums into your life insurance policy for years, you might think that you’ve more than paid your way to full coverage no matter what; unfortunately, this just isn’t the case. There are limitations and a big one is traveling abroad. What Happens to My Policy When I Travel Abroad? Nothing happens to it, per se, but under most circumstances, with most agencies, life insurance policies get left behind at the airport while you take off to some abroad location completely unprotected. We like to think that it waves goodbye, at least; it’s a nice policy, after…

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Shopping for jeans, it has to be said, is not my preferred past time. Hours spent browsing through racks of jeans, trying to find the right size, length, or cut, could be better spent elsewhere. Whole libraries could be built upon the types of jeans which have evolved over the past 140 years, since the cowboys started wearing denim in the 1870s. So, when I do go jean shopping, I try to pinpoint exactly what type of jean I am looking for before I start. Most popular at the moment are jeans of the slim cut variety. I’m talking skinny…

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With spring in full swing and, hopefully, brighter days for the foreseeable future, now would be a perfect time to take a look into becoming more energy efficient and seeing some savings on your business electricity bills. While British Gas offer some incredible tariffs for business owners, there are always ways of improving your energy consumption, which will then be reflected in your monthly payment. While the recent Co-operative case study showed an incredible energy saving of £50million by replacing the open fridges in its stores with ones with doors, there are plenty of ways for smaller businesses to make…

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Of the many concerns a business encounters during day-to-day operations, none is more essential or least understood than obtaining the correct type of insurance policy. This is especially true when we consider the many disparate areas of insurance such as cleaning insurance, fleet van insurance or office contents insurance. Therefore it proves worthwhile to list a few simple tips to aid in finding the most comprehensive and cost-effective offers available. Is It Better to Obtain a Quote Online or Offline? This question primarily revolves around the type of insurance desired. For example, retail insurance, commercial office insurance or fleet van…

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