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4 Interesting Facts You Should Know About Payday Loans

Posted by on Sep 26, 2014 in Blog, Finance & Money | 0 comments

For years, payday loans have been a quick go-to outlet for those in need of some quick cash. It’s not surprising that such an interesting industry also has a few interesting facts you might want to know about. Some of these facts may even give you the upper hand the next time you’re in need of a payday loan. Payday Loans Are Just like Other Types of Credit You can thank the federal Truth in Lending Act for this one. In order to make payday loans more transparent to customers, federal officials mandate payday lenders to provide not…

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Bookkeeping Services For Your Small Business

Posted by on Sep 22, 2014 in Blog | 0 comments

If you’re a small businessman, you understand the importance of efficiency. You want to make sure every dollar as well as every hour spent gives your business the most benefit possible. One task that every business owner faces is “doing the books.” This ranges from daily sales reports and bank reconciliations to generating financial statements and tax reports. Chances are, doing these things is not your strength. That’s why so many small business owners use bookkeeping services. You can concentrate on what you do…

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3 Reasons For Getting A Small Loan

Posted by on Sep 22, 2014 in Blog, Finance & Money | 0 comments

While the term “loan” is generally associated with a large amount of money for a car or home, loans can also be for much smaller amounts. These small loans are known as personal loans, and do not fall under any other type of loan. The process of getting a small loan is much like getting any other type of loan. You will need to find a lender, research the interest rates, and apply for the loan. However, the reasons for getting these loans are generally different than the reasons for getting much larger loans. This article will talk…

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Should You Invest In A Self-Directed IRA?

Posted by on Sep 19, 2014 in Blog | 0 comments

When you are planning out your investments, you may be interested in diversifying your portfolio. Just as you diversify your overall portfolio to include a variety of investment options, you can diversify your retirement savings with a self-directed IRA. This option allows you more freedom to adjust for current market conditions. What Is a Self-Directed IRA? A self-directed IRA is an individual retirement account that gives you more control over your investments. Traditional IRAs limit the type of investments you can choose from to CDs if you…

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Does A Refinance Make Financial Sense For You?

Posted by on Sep 18, 2014 in Blog, Finance & Money | 0 comments

A home is the largest expense for the majority of Americans. The amount of money you have to pay may make it difficult to write that mortgage check every month. A refinance might make that burden a little less, but you should only refinance under the right conditions. Otherwise you might just be throwing more money away. Refinance When the New Interest Rate is 2% Points Lower than Your Current Rate A general rule is to refinance home loans or your mortgage when the new interest rate is two percentage points or more under your current rate…

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Donate, Sell Whole, Or Scrap For Cash? What To Do With Old Gold Jewelry

Posted by on Sep 17, 2014 in Blog, Finance & Money | 0 comments

If you have old or broken gold jewelry that you no longer want, you may be wondering how to get the best financial return on this investment. While there are several ways to make money from old gold jewelry, the most lucrative option often depends on your financial situation, as well as the type and condition of jewelry you’ll be selling. Read on to see which jewelry disposal method may be the best choice for your situation. Donation Donating gold jewelry to a charitable organization will not give you immediate cash in your pocket, but…

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5 Tax Credits For Families

Posted by on Sep 16, 2014 in Blog | 0 comments

Children can be expensive from the time they are first born until you send them off to college. It is important to look for savings everywhere you can find them. The IRS offers five tax credits specifically to help families deal with the cost of having children. If needed, companies like Knowledge Integration Solutions can help you understand more about each credit. Child Tax Credit The Child Tax Credit is available for all dependents below the age of seventeen that live with you for the majority of the year. If you are divorced and you have…

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4 Excuses for Not Paying Your Taxes That Just Don’t Work

Posted by on Sep 16, 2014 in Blog, Finance & Money | 0 comments

If you pay taxes, it’s almost certain that you’ve heard one way or another to avoid taxes completely. Remember the old saying—if it sounds too good to be true, it is. If you’re thinking about not paying your taxes for one of the following reasons, you haven’t stumbled upon a genius idea but will probably be risking a huge fine if you try it. The Income Tax is Voluntary—You Don’t Have to Volunteer to Pay While voluntary may mean only doing something if you want to, that’s not what it means here. And it…

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The Emotional Side Of Buying Vs Renting: What You Need To Consider

Posted by on Sep 12, 2014 in Blog | 0 comments

There is a lot of emotion tied up in both renting and owning a home. If you are an emotional person, you may prefer making this decision based on how it feels. If so, here are a few of the things you should consider: 1. Making a Home Of course you can make a rental feel like a home, but when you actually own a property, it’s easier to make the changes that you want and need in the space. Because of that, it’s easier to get emotionally attached to a home that you buy. 2. Creating an Emotional Attachment When you own a home, you get…

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4 Features You Want Your Online Bank To Have

Posted by on Sep 12, 2014 in Blog, Finance & Money | 0 comments

Are you trying to select an online bank account for your personal banking? This process can be incredibly confusing for someone just delving into the world of online banking. There are literally hundreds of online banks available and all of them can seem quite similar. Though you can’t go wrong with choosing one of the major online banks, there are a few features you may want to use to separate the best of the best. 1. Virtual Deposits Virtual deposits are one of those features that you may not even realize you need until you need it. A…

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