We all need credit from time to time to pay for the things we need. Maybe it’s an unexpected expense, and we don’t have the savings to cover it. Or maybe we don’t have the money, but we need to buy something essential, like braces for our kids or tuition to go back to school. Yet taking on too much credit can cause financial problems. Good financial health doesn’t mean avoiding credit entirely. You just have to know when getting a line of credit is the wise choice and when you should look for other funding sources instead. Here are some examples on both sides: When You Should Use Credit Buying a House or Starting a Business If you had to wait until you could save up enough money to buy a house or start a business, you’d never do it. By the time you had enough money, you’d be…

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Think for just a moment about how many things you manage online in terms of your personal finances. You likely take care of monitoring all of your accounts including checking, savings, and investments, as well as paying bills, managing credit cards, keeping track of insurance premiums and much more. That’s a lot of personal financial information floating around in cyberspace, and while it can be incredibly convenient to manage your finances this way, there are also things you need to do to keep yourself safe. The following are some of the best ways to protect yourself across all the ways you might manage your finances online. Be Careful With Emails If you send emails back and forth that could include any financial information, make sure you’re taking a lot of precautions. It’s relatively easy to hack into email accounts, and if you are the victim of an email breach and…

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Start Now A lot of people with great money saving habits have been taught to keep some money for a rainy day. Even those who haven’t been taught, learned to use this opportunity. Smart savers will never procrastinate useful financial decisions and will jump on every opportunity, such as retirement savings plan at their work. Save for Retirement It may sound pretty obvious, however, many financial advisers repeat these words because it concerns your future. So it’s not a completely new advice, but saving 10% of your salary each month right into your retirement account will do you good. Create a Budget It is a great opportunity to become a real money saver when you start making your honest written spreadsheet or chart, which you will update regularly. When people can’t provide their monthly budget, it means they have a problem with money. As a result, until you don’t know…

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There are a few different styles when it comes to trading and it is important to choose the one that best suits you and your personality type. Here we will look at the 3 top trading styles – day trading, swing trading and momentum trading and discuss the pros and cons of each. Day Trading Day trading is a good solution for those who are looking to trade over a short time frame. Day traders tend to look at price movements over minutes, hours or days. While the shorter period of day trading will give traders access to more trading opportunities, this will also require much more regular monitoring of your positions, which some traders could find stressful. Similarly, sudden and volatile price changes which are common with day trading, may be stressful for some traders. Another advantage of day trading is that through the use of technical analysis it…

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If you’re planning an event, it can be easy to get slightly overwhelmed by all of the things you need to do. After all, if you miss a key aspect of planning, your event may not be a success. Here’s how to make sure your event is a success: Start planning First, you need to consider the goals of your event. Are you aiming to raise money? Raise brand awareness? Or simply ensure that everyone has a good time? Now you need to make a checklist of all the things you’ll need to do. Don’t be surprised if you’re adding to this checklist as you’re crossing things out, but keeping all of the details in one place is a good idea. If you’re the digital type, consider using an online system like Google Docs or Trello. Make your budget Your budget should be very specific, and should include any opportunities…

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The decision to undertake a self-build project is undoubtedly a major one, especially if you are building for your business. Funding such a project may certainly seem daunting at first, especially if you have no previous experience. Here are a few financing options if you are considering undertaking a self-build project. Get a Loan Probably the easiest option, and the one which will be used by most people. Companies like Saffron Building Society offer Self Build Mortgages which are specifically geared towards self-build projects. These loans, rather than giving you the money in one go, release the funds you need in instalments as the project develops, so you do not pay interest on money you are not using. This is useful if you are running a business, as it means you do not have to worry about large loan repayments getting in the way of business investments, but you do…

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Whether your budget is in the $200ks or $1m+, Miami is jam-packed with high-end condos that will help you grow your portfolio. Here are a few residential developments that are well worth looking into for your investments: Marina Blue This 57-story condo was developed by Arquitectonic and is located in Park West, an exclusive neighbourhood in Miami. With 515 lofts and unit residences, Marina Blue has something for everyone, with each apartment featuring floor-to ceiling glass windows and doors, direct water views, stunning European-style kitchens, large walk-in closets, and bathrooms featuring double sinks and marble floors. You’ll also find a business centre, volley ball court, yoga room, and oceanfront gym, and units start from high $300ks. Muse Residences With just 68 residences (2 on each floor), Muse Residences offers two and three-bedroom apartments which start at 2,360 square feet. You’ll enjoy state-of-the art technologies here, along with an incredible destination…

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Debt is a word used with bad connotations. It’s fair enough. It is usually used as a bad thing, with people saying you need to get out of debt, etc. Obviously you do, no one wants to be in it. But when you sit back and think about it, almost everyone is in debt. Have a mortgage? You’re in a lot of debt. Same with a car on finance or a business loan. Almost everyone is in debt. The difference is the amount of debt you are in. Some people are in far more than others which can be a problem, yet there are easier ways to get rid of it and get yourself back into a comfortable situation where you no longer need to look over your shoulder and worry. These tips can help you deal with debt. Some are easier to do than others, and you may have…

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It is easy to get into debt or at least experience some kind of financial difficulties – especially in the current economic climate. Just having a relatively well-paid job may not keep you immune from these kinds of problems. Without proper attention, financial problems and debt can affect your entire life – and the lives of your family – so it is vitally important that you do whatever you can to change your situation and live a happier, stress-free life. There are a number of ways that debt can affect you and your loved ones. Debt snowballs You could get into further debt by using credit to pay off your current bills. This causes even further problems down the road and will give you an even worse financial headache. No enjoyment If you are constantly worrying about the money you owe, or how to pay your bills, the precious downtime…

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A lot of people think that buying a property is one of the most expensive costs they will face. In fact, it can put them off going through the home buying process. But while it is a costly process, there are some ways you can make it cheaper. That way, you won’t end up completely broke when you buy the property. Therefore, here is how you can cut costs when buying a property. Put down as least deposit as possible It’s often the deposit which can leave people short when buying a home. After all, you have to scrape as much funds as you can together. That way, you will require a smaller mortgage. However, if you don’t want to use all your savings, you might still be able to get a mortgage. Talk to the lender about the maximum you can borrow to see if you can put less…

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