• A Get Out of Debt Cheat Sheet
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    A Get Out of Debt Cheat Sheet

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    Debt is such a stressful thing to have in your life. When you have debt, especially in large amounts, it seems to completely take over your life. It is all-consuming. You think and stress about it constantly. Any purchase, financial decision, plan for the future, are all clouded by the stress of your debt. It is hard to not always have it on your mind. Most people with debt want nothing more than to get out of that debt as soon as possible. They want to get that constant stress out of their lives. But many of them don’t know…

  • Why Accepting Government Money Hurts You
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    Why Accepting Government Money Hurts You

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    The government has so many programs aimed at giving money to the poor, or more needy. And when you’re in a tight financial situation, or when finances just aren’t adding up for you, it can seem like a good idea to accept that government money. But in reality, accepting government money actually hurts you. 4 reasons why accepting government money hurts you: 1. It makes less jobs available The money that the government gives out has to come from somewhere. All of this government spending and programs puts extra stress on taxpayers, including business owners. As these business owners are…

  • How Will Retail Businesses Evolve in the Coming Years?
    Investment

    How Will Retail Businesses Evolve in the Coming Years?

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    The question around how business in general will evolve in the coming years is a thorny one, to say the least. Whether it is issues linked to the environment, business best practice, or something else, the future of business will be long debated in the years to come. One of the areas likely to see the biggest changes is the retail sector. This sector has evolved so much in recent years that there are some who believe that the future for retail is going to be e-commerce and supermarkets, with little room for anything else. While that is certainly a…

  • How To Ensure That Your Home Is Adequately Covered
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    How To Ensure That Your Home Is Adequately Covered

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    Your home is the place that you spend most of your time – evenings, weekends and public holidays. The items that you have accumulated over the years all have a certain value to them – some more sentimental, but have financial value as well. How do you ensure that your house is covered during the times you are not there and what do you need to do to make this happen? Step Number One – Ensure That You Have Enough Cover The first question you need to ask yourself is do you have enough cover? The simple answer would be,…

  • 3 Overlooked Market Sectors That Could Outperform
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    3 Overlooked Market Sectors That Could Outperform

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    Predicting how the markets will perform is always difficult. Experts spend their time making projections about the future, and most of the markets’ prices reflect careful analysis. These experts, however, are often wrong, and those who can predict which sectors that will outperform what the experts believe stand to make considerable money. It is impossible to know with absolute certainty how well certain segments will perform, but here are three market sectors that are likely to perform better than experts predict. 1. Health Care Conventional wisdom dictates that demand for health care changes little from year to year. This belief…

  • How to Save Money on Your Cell Phone Bill
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    How to Save Money on Your Cell Phone Bill

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    While this makes for easy budgeting, it’s not encouraging if you care about trimming your monthly spending. Fortunately, there are some monthly bills that do allow for some flexibility when it comes to lowering your expenses. Your cell phone bill is one of them. Here are some great tips for how to save money on your cell phone bill: Shop no-contract carriers. Carriers like Boost Mobile, Cricket, MetroPCS, AT&T Go, Jitterbug, Net10, T-Mobile Prepaid, Virgin Mobile, and Verizon Wireless Prepaid offer a variety of monthly plans at extremely low rates (how can you beat unlimited text, phone, and data for…

  • Dealing with Debt is Always Difficult. Here's some Help
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    Dealing with Debt is Always Difficult. Here’s some Help

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    If you’re carrying a large debt load, it’s time to take action. The longer you wait to take on your debt, the more interest you will accumulate, ruining your credit score and making it increasingly hard to have financial freedom long-term. Don’t let looming bills and debt collection agencies keep you up late at night. Use this guide to help you get your finances sorted: Establishing a Plan The key to good financial management is to create a plan and stick to it. This will require some organisation on your part. First, make a list of all your income sources…

  • Manage Your Debts with an Unsecured Debt Consolidation Loan
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    Manage Your Debts with an Unsecured Debt Consolidation Loan

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    Do you want to be freed from the hassles of dealing with your lending institution, and want to become debt free? If you answered yes, then an unsecured debt consolidation loan is the perfect solution to your financial troubles. Why choose an unsecured consolidation loan, over a secured consolidation loan? – One might ask. There is a good reason behind this – Let’s see why. Unsecured debt consolidation loans have numerous benefits assigned to it. The debtor is not required to surrender collateral as security for the lender. Therefore, the borrower safeguarded against losses, since none their property is at…

  • Organising Personal Savings for a Rainy Day
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    Organising Personal Savings for a Rainy Day

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    Where does all my money go? This is the question on the lips of almost every worker and person between the ages of 18 and 80. Are you able to play the role of the squirrel and stick away some money for a rainy day? Many people throughout their lives berate themselves on their lack of ability to save, but there is always a way to stow away that little bit of financial sunshine for a rainy day. Sounds a little too good to be true, or some kind of fairy tale that grandmothers’ tell their children while bouncing them…

  • Sure Ways to Improve the Value of your Home
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    Sure Ways to Improve the Value of your Home

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    So you’re about to sell your home. It’s not exactly in prime condition: there are sauce stains all over the walls, the front lawn looks like it’s home to several endangered species, and you’ve decided to add a musical practice room in a neighbourhood for young families. Your realtor is coming over to inspect the house, and you’re hoping that the location alone will justify the price that you expect. That is, however, the problem: while location will be a significant part of the home’s price, you can get even more on your home by following these simple steps. Clean…