Can Going Prepaid Save you Money?

Published on Sep 13 2013 // Prepaid Cards
The majority of today’s phone contracts come with big incentives, including free or reduced cost smartphones. However, they also can lock you into less than favourable rates for two years or more. If you find that you rarely come close to your monthly minute allowance, or are nearing the end of...

How to Save Money on Utilities

Published on Jul 08 2013 // How To Guide
With the summer heat on the rise, a sure thing to increase besides the price of gas is your electricity bill. Air conditioning can definitely add up quickly and will be sure to strain your summer budget if you’re not careful. Here are some tips and tricks for saving money on your utilities. Keep the...

Credit Cards and Making the Most of Them

Published on Jun 14 2013 // Credit Cards
Credit Cards and Making the Most of Them
If you use a credit card in the right way, they can actually be a good money saving option. Able to cut the cost of your shopping, improve your credit rating and offering good borrowing rates, if you’re money-savvy you might find that having a credit card can keep you on the right side of your bank...

Limited company vs. umbrella company – what do you need to consider?

Published on Apr 17 2013 // Business
The two most established payment structures open to contractors are working through an umbrella company and setting up a limited company. As a new contractor, it can be difficult choosing between the two, as both have their advantages and disadvantages. The limited company option offers additional tax...

The Pros & Cons of Credit Cards vs. Cash

Published on Feb 22 2013 // Personal Finance
The Pros & Cons of Credit Cards vs. Cash
These days, we have an unlimited amount of methods to purchase items. We can use credit cards, cash, checks, PayPal, gift cards, and even a variety of phone apps. However, the two most common forms of payment are still cards and cash. Many people have told me that they spend way more money with their...

What alternatives are there to bank loans?

Published on Dec 05 2012 // Banking, Loans, Supporter
Unless you have failed to pick up a newspaper in the last four years, you will be aware that bank lending to both consumers and businesses has plummeted. Despite various measures designed to ease the flow of credit, the truth is that for many people it has never been more difficult to access funds from...

Pros and Cons of Mortgage Modification (Refinance)

Published on May 09 2011 // Mortgage
Pros and Cons of Mortgage Modification (Refinance)
Mortgage modification is one possibility if you find yourself falling behind on mortgage payments. The government authorized these modifications, even agreeing to help subsidize them if lenders agreed. Before you decide on a mortgage modification, you need to understand the pros and cons associated with...

Are You Self-Employed? There’s More Than One Way to Save for Retirement

Published on May 05 2011 // Business, Investing, Personal Finance, Retirement
The good news is that because you’re self-employed, you have lots of options available to you. Let’s take a look. How a SEP-IRA works One great option is a Simplified Employee Pension Plan (SEP-IRA), which is specifically designed for self-employed individuals and small business owners who...

Retirement is Top Priority. College Comes Second

Published on Apr 05 2010 // Personal Finance, Retirement
It’s only natural: you want your kids to have it better than you did. So how do you balance paying for college and investing for your retirement? Collective wisdom says retirement is your top priority, if not your only priority. Selfish? Not at all. Look at some of the pros and cons: Why retirement...

Info on Reverse Mortgage

Published on Nov 29 2009 // Mortgage, Personal Finance
A Reverse mortgage is a program designed by the Government to help senior homeowners who are 62 years or above and do not have any other income to support themselves. Thus, with reverse mortgage, the senior homeowners can meet their expenses easily without having to borrow from banks or any other institution....

Converting to a Roth IRA ? Read this

Published on Oct 10 2009 // Personal Finance, Taxes
Should you convert? The benefit of converting to a Roth is that you can potentially put some or all of your retirement savings out of reach of tomorrow’s tax collectors. Qualified withdrawals from a Roth IRA are tax-free, which means any future investment gains can be shielded from the IRS. In...
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