Finance

• Investor Guide to Financial Health

  Having a solid, well-designed plan for your finances is something you can accomplish. With a little time and effort, you can be on your way to spending less than you make, establishing an Emergency Fund, and tailoring your investments to each of your specific goals. Plan your finances wisely, and then commit yourself to your plan.

• Cash Loans…The Good, The Bad, And The Debt-Free

  Happiness is what they’re selling. Relief from the crushing weight of that gigantic rock we’re all forced to carry called ‘financial burden.’ It’s heavy and cumbersome, and the very thought of unloading it for a short time is so tempting, that some of us find it easy to throw caution to the wind and apply for the quick cash loans these small payday advance lenders offer.

• The $60 Lightbulb

  The reason that people are gradually beginning to use CF bulbs is simple. In many applications they can save money because they use less electricity. Generally a compact fluorescent will only consume one third as much juice as a regular bulb.

• Refinancing And Your Credit Score

  FICO scores range from 400 to 900. About 700 is considered average. The exact formula used is a FICO secret. But they do provide an idea of what things go into the formula and how much weight each category is given.

• Remodeling An Attic

  The first thing that Tanya will want to do is to contact her local zoning and building inspector. In many cases, they’ll have booklets available for the homeowner considering remodeling or addition. She’ll want to find out what permits will be needed. They’ll also tell her what type of drawings will be required to get the permits.

• Controlling Bank Fees

  Competition for loans has forced bankers to offer lower interest rates to borrowers. That’s great for homebuyers. But it also means that banks aren’t making as much on those loans. So they’re using fees to boost their bottom line. For instance, ATM fees raise over $2 billion a year. Public interest groups claim that because of the fees that banks impose there are over 10 million families that can’t afford bank accounts.

• Protecting Your Financial Privacy

  Current federal government plans call for law enforcement to assemble databases of all credit card transactions and other personal data. Their goal is to look for patterns that could help them identify terrorists.

• Wanting A Newer Car

  Hubby’s desire for a newer car is understandable. He’s right. His car is old. But a dependable car is only half of the question. The second half is what happens to their finances if they buy a newer car.