Everyone enjoys their first pay check and many enjoy their last, the time for a comfortable retirement after many years of working each week to support the family and pay the bills. What happens in between varies from person to person. Those who have understood the need for managing their finances well from the start are the ones most likely to be able to smile when they finally retire. Life expectancy is increasing everywhere and everyone should aim to extend their final years in relative comfort and to do that they need to set themselves goals.
Inevitably ... Read more »
Car Insurance – Insurance is an arrangement organised by a company to provide a guarantee of compensation. This covers specified loss, damage, illness or death in return for payment for a specified premium. The premium is an amount paid periodically to the insurer by the insured for covering his risk. Hence, an insurance facilitates financial protection. This is done by reimbursing losses during the crisis.
Motor insurance includes 3 main schemes
2 wheeler insurance
Commercial vehicle insurance
Car insurance in detail
It is ... Read more »
To understand your Tri-Merge credit report it is essential to realize that the report is simply three separate reports put together. A Tri-Merge report is your Equifax, Experian, and Trans Union report put together. The reason they are laid out this way is for comparison. The following are a set of simple guidelines to follow for reading the report.
Personal Information: Review your personal information section to verify that the information is correct on each. The section should contain information like name, date of birth, social security number, ... Read more »
Every professional was once a beginner. Irrespective of your level of mastery in savings, by the time you’re done reading this article, I’m sure you must have had a slight or a massive upgrade towards becoming a pro in saving money.
Don’t turn your back on me now, this article isn’t as sober as it sounds! I shall preach to you the art-o-money-saving in brief and a tad bit of fun, you have my word.
Now, one of the key courses you need to get an A+ on for acquiring a Masters degree in money-saving is things to cut down from your budget.
To ... Read more »
Everyone likes to purchase. Some people do shopping for necessity and some do it for enjoyment. Whatever is the purpose of your shopping, you should ask yourself a few questions before finalizing any purchase. Before making any purchase keeps these factors and questions in mind.
Is this going to make my life easier?
This is one of the most important questions to ask you before making any purchase. If I think the purchase I am going to make is not going to be useful to me some time later, I quickly put it out of my mind. However, we all enjoy finding ... Read more »
The one situation of your life which you would want to avoid is a debt crisis. You might have an excessive need of having to take that loan, but paying it off needs to be done in a way that will not make you lose yourself. Many tend to have these debts and it will occur in a phase of life where you will be left high and dry. You would have spent it all and are now looking at the task of paying it back so that you get back to your usual schedule. While doing so, it is important to keep your calm and stay composed. Because if you do not keep it together, ... Read more »
Credit – The ability of a customer to purchase goods and avail services before payment, based on the trust that the payment will be made in future.
How to improve your score?
If you want to improve your credit score, follow the following tips.
Subscribe to healthy repayment habit:
(a) Pay your bills on time, don’t delay.
(b) Clear the missed payments.
(c) Get counseling and understand how to not let it fall
Manage your debt.
Keep the balances low, in fact very low. Pay off debt rather than delaying it. Don’t close unused cards. Don’t ... Read more »
Job, Money and cozy life is the most essential things in one’s life. The hell breaks when one cannot find a job. Sometimes, we build our own cocoons and hide ourselves there, in order to not face the world. This way we feel we can be safe. However, is it always okay to not address the situation and hide ourselves in our cocoons? These are the inhibitions we need to curb from our lives.
Isn’t that equivalent to living with flaws? Sometimes, working in places that you haven’t graduated for can be your strength. Here are a few ways – things ... Read more »