earn extra income by online tradingLooking for a way to improve your account balance? It’s not always easy, no doubt about that. Many things often get in the way – your job, your family and your home need to come first and after that you simply don’t have time to go around looking for opportunities to earn a bit extra on the side. Today’s world is just too hectic for that. However, there are various forms of online trading that can help you. The beauty of this type of trading is that you can trade from home or even from your mobile device, so there is no need to spend a lot of time on it. Let’s see which opportunities can be found online and accessed from the comfort of your own home. [click to read…]

Busted Myths About Personal Finance

by Pam on June 24, 2016

myths about personal financeThere’s no denying it; money is one of the most important things in our lives. It dictates everything we do in this world. Therefore, improving personal financial situations should be at the top of everyone’s agenda.

Regardless of any other life factor, we can all appreciate the importance of money. However, it’s a complex subject that most people struggle to gain a grasp of. In most cases, the main source of trouble is that we follow false information. Quite frankly, those financial myths could be doing far more harm than good.

Acquiring a deeper understanding will naturally put you in a far more powerful position. Here are 12 of the most common misconceptions. Learn the truth behind them, and you should be able to boost your finances in no time.
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retirement adviceEveryone needs to save money for retirement, but some people are much better at it than others. Some people struggle financially and can’t save much at all. But other people just aren’t doing the right thing. They could have money to save and invest, but they’re not making the most of it. Or perhaps they are trying to save for retirement, but they’re not going about it in the right way. In fact, many people are approaching their retirement planning poorly. If you want to be smarter than those who are getting it wrong, there are several things you should be doing.

Start Early

One of the biggest mistakes that many people make is to start saving for retirement too late. The earlier you start, the more you can save and the more you can grow your money. If you’re able to start saving for retirement when you’re in your 20s, you’re already doing better than many other people. You don’t have to have a lot of money to put aside. Even a small amount is a useful contribution toward your retirement funds. Although your 20s and 30s are a time when you want to enjoy yourself, it pays to be sensible and think of the future too.
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wise investments for your tax refundTax refunds are great, aren’t they? They feel like free money, and most of us are all too willing to treat them as such, splurging them on things we want but wouldn’t normally buy.

However, tax refunds are not actually free. They’re a repayment of extra tax you’ve paid, without earning interest on it. In 2015, the average tax refund was a little over $3,000, so make up for lost time by investing your refund in something that gives you long-term benefits.

Here are three major areas to consider:

  • Insurance protection
  • Emergency savings
  • Extra funds for fun activities or your own interests

We’ll look at these in more detail below.
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tools for home repairsIf you are a home owner, then you definitely know how much sacrifice and dedication is required when purchasing a home. Although you may have successfully passed this hurdle, daily home maintenance can easily become a huge expense for you and your family.

However with the right expertise and equipment, you can easily do most minor maintenance activities on your own, thereby saving both time and money. So, if you have been searching for the right equipment to get the job done, here are a few items which will come in handy when carrying out most home repairs and maintenance activities.

Lawn mowers

Lawn mowing is a common childhood chore which most kids dread. In view of this, some people have opted to hire landscaping companies to mow their lawns. This may save you the extra time and hustle; however the additional costs can quickly pile up. By purchasing a lawn mower, you’ll not only reduce your maintenance costs, but it can also act as a great workout on a hot summer afternoon!
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ways to save money when you driveBeing able to drive a car is very convenient, but it’s equally expensive! For starters, cars themselves are among the most expensive things most people buy in a lifetime. After that, you’re required to insure it, and have to pay all sorts of regular costs to keep it on the road. Once you take a step back and do some maths, some people may even consider getting rid of their car altogether! Running a car is never cheap, but there are a number of ways you can cut down the costs. Here are a few things you might want to try.

Shop around for the best deals on car insurance.

My first point is to look around for better breakdown cover. At one point, looking around the whole market for car insurance was a revolutionary, new idea. Now, everyone does it. However, this isn’t the only thing you should be shopping around for. In all likelihood, there are several breakdown cover plans which are cheaper than the one you’re currently getting. Various comparison websites allow you to enter criteria for the kind of coverage you need, and then you can see all the relevant services. If you want a tip on what to look out for, try to find an up-front plan. Here, you pay out yourself to have the car fixed or towed, and then claim the cost back from the provider afterwards.
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construction finance optionsThe UK construction industry is extremely important as a contributor to the overall economy. It is among the largest sectors and contributes around £90 billion a year to the economy, and is responsible for employing more than two million workers.

Construction companies of all sizes are involved in the construction of retail parks, new homes, industrial premises and leisure facilities. This means there is a constant requirement for financial resources for these companies in order to develop and complete such projects. While banks have been somewhat reluctant to lend in recent years, other financial service providers such as www.ultimatefinance.co.uk have moved in to fill this gap, offering dedicated construction finance to the construction sector.
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