Posts Tagged“personal finance”

Personal loans are a necessary part of the average person’s life. While we’d all like to get through life without borrowing any money at all, this isn’t a realistic thing for almost anyone. Even people who are independently wealthy usually borrow money at one point or other – to buy a thing, to build a thing, to finance some large new endeavor. The question is: How do we set up personal loans so that they don’t damage our personal credit? The good news for future money borrowers is that there are ways in which to organize these loans so that…

want to be a lawyer

Whether inspired by real life cases of lawyers standing up for the little guy, watching too many episodes of Law & Order, or in search of lucrative pay, you decided you want to be a lawyer huh? While becoming a lawyer is not easy, it is definitely doable. Here are some tips on how to become a lawyer from start to finish. Get Your Degree To be a lawyer you need to get your law degree and in order to attend law school you need to have a bachelors degree. What you do in your undergraduate program matters. While working towards…

It’s easy to be wary of a thing like debt. The word comes with a lot of negative connotations, so many in fact that most Americans actively try to avoid taking it on. Unfortunately, for the vast majority of people living in the US, it’s just not possible to dodge living with debt. Between student loans and mortgages, there’s not a whole lot in life that you can buy on your own unassisted. Even small items or services, amounting to less than $1,000, may require the large number of Americans who live paycheck to paycheck to contact a lender.  …

Photo by CC user robbertjnoordzij on Flickr  Who wants to pay top dollar for things they can get for less? Nobody, that’s who. And this is why more and more smart shoppers are heading online to grab themselves discount deals, cut prices and super bargains on the web. The explosion in online shopping has seen 191 million US Internet shoppers, back in 2013, grow into a projected 215 million by 2018. The trend away from the mall into Internet stores has revolutionized the way we think about our purchases. Anything and everything from toothpaste to tractors, tech and even travel…

Collegiate life is sort of a fantasy world. It’s okay to roll out of bed at noon for class, eat copious amounts of junk food and while you likely don’t have much money, your parents tend to handle your immediate expenses. There’s a reason people often call it the college bubble. But that bubble tends to burst right around graduation (or at least when your student loan repayment period begins). After spending the first 22 years of your life depending on others financially, you are thrust into adulthood. Suddenly, you’re expected to do things you never had to. Things like…

[Photo credit: Lending Memo] People will jump through hoops to maintain a good credit score because everything runs on credit. Once your credit score drops, it can be difficult to bring it back up again. Fortunately, it is totally possible to raise a poor credit rating to a fair credit rating. It is also possible to turn a fair credit rating to a good credit rating. Lastly, it is possible to turn a good credit rating into an excellent credit rating. The jump from poor to excellent is just too large to manage. This is why it is important to…

photo by 401kcalculator.org For college students and their parents alike, there comes a different set of tax requirements. Without taking the proper steps and becoming educated on the right tax filings for students, many deductions and write offs may be missed. The process can become complicated, and mistakes can mean costly effects on a college kid’s bank account. For the students filing for the first time it can be a hairy process to determine exactly what to put within forms, and for parents navigating taxes during their child’s first year of college, the alterations might be more complicated than expected.…

So, you just had to pay a sudden medical bill, or some scumbag cloned your debit card, and now you’re broke and deep in debt. What now? If paying until next payday isn’t an option for you and your growling stomach, there are options available to you to get your hands on some moolah fast. From selling your plasma, to applying for some bad credit loans in Los Angeles, there are plenty of ways to get money quickly in your bank account whether the IRS assessed a crushing tax penalty on you, or your finances have simply sunk to rock…

With the changes in the economy over the years, people have found the value in having second, and even third jobs. Some people take on second jobs each year religiously to account for holiday shopping. Whatever the reason, individuals are always looking for side gigs. When the usual channels of part-time serving or retail will not cut it, consider one of these uncommon ways to make extra money. 1. Mystery Shopping Mystery shopping remains one of the most under-utilized jobs to make extra money. There are several companies that conduct mystery shops for various retailers. Individuals enter the stores posing…

Even if it doesn’t feel like it, the end of the year is right around the corner. For the small-business owner, that means it’s time to start thinking — and acting — seriously about deductions. No matter what kind of industry you’re in, it behooves you to reduce your tax burden and benefit your business and yourself as much as possible before the ball drops at midnight on December 31. Don’t just randomly buy a lifetime supply of paper goods for your office. Here are six tips that will help you ease your tax burden for 2015.   1. Donate…