Essential Personal Finance Resolutions


When we see the word resolution, new year’s eve is what that comes to our mind, but nowadays many people tend to make financial resolutions as they are unable to manage their debts. Personal finance resolutions are spreading to a larger extent as people are working hard to tackle their debts in spite of recession. Don’t make hard or big goals that are difficult to stick to, instead make many smaller ones which are easier to stick to.

Always learn from the past, and make progress in time. Students should have knowledge on how to manage and repay their loans. Saving should always be there, no matter how small the amount is. Evaluation of income has to be made and it should be put to perfect utilization. Proper investments for future must be made. Start planning as early as possible for retirement, after you get your first job.



Helping Mold People’s Career


You may want to scour the world but you will be left realizing that not every corner of it holds people who are geared to helping others improve their lives. Charitable institutions may be crowding some parts of the country and beyond but there rarely is someone who does acts of kindness by teaching others to fish in the ocean for survival.

Robert Gerberg is a man seasoned by his twenty years of experience in the fields of marketing, sales and general management. He earns himself that dignified authority in the job hunting profession by aiding others to find their ways to rewarding career opportunities. Among his peers, he is considered as the only one with amazing and unparalleled educational credentials.

Gerberg earned his degree in Business Administration from the Colgate University. He began his collegiate quest in 1982 and graduated in 1985. He entered the University of Colorado and was granted his master’s degree in 1992. He then continued his academic pursuit at Harvard Business School finishing his executive education in digital marketing and professional service firms. From reputable academic institutions, one can definitely say that Gerberg’s educational background is solid and excellent.

In 1986, Robert J. Gerberg has begun his professional destiny in the Personal Products Division of a local company. He was hailed as top area producer during his time and was commended for his efficiency and management. He was particularly excelling in customer service and advertising while conducting research and production for creation and innovation of goods.

Moreover, he worked at a firm responsible for career management and licensing in 1992. He stayed there for two years handling new products and improving marketing and advertising leads for his new company. In 1990, he published one of the most successful prints about job hunting entitled an easier Way to Change Jobs. The book was informative and useful enough to have been reproduced with 500,000 copies.

Gerberg now works at Advanced Career Technologies as the Chief Executive Officer. He is known to have provided services and assistance to people who are seeking for employment.



10 Tips for Achieving Financial Security


Financial Security is a must for every living individual. It means a person should be having sufficient money to fulfill all their needs at an old age. One need not be a wealthy person or earning a very high income to achieve financial security.

There are so many ways to achieve financial security. Saving can always be painless. One should refrain from worldly pleasures which will reduce the effort for saving. Cutting off vacations, eating outside and unnecessary shopping will save a lot of money.Another simple idea to help you save is to file taxes online using some to the free software available from companies like Turbo Tax.

Nowadays government and other special groups cannot be trusted when it comes to financial security. One should always trust in his skills and avoiding excuses that, you could not save. Consider following a realistic lifestyle consisting of your values which falls into your budget line. With this lifestyle in mind, set long term goals and take measures to achieve them in the long run.



How Women Can Improve Their Financial Standings


According to the statistics, women live longer than men and are likely to be alone in old age, elderly women tend to be poor and hence they need to be financially more stable.

Women devote a lot of time to family and children. They need to look after their house, family and also children. One good thing happening nowadays is that women are paid higher than men.

According to sources, it states that, women are behind men when it comes to financial planning. Mostly women are focusing on short term financial savings such as managing household target.

Women should save in three ways, a personal saving, a retirement plan and social security. Private saving is more important. In most cases women hand over their financial security to their spouses, which should be avoided.



How to fix your Finances with a basic Household Budget


The recent economic crisis has affected people’s finances in a number of ways. With everyday expenses rising dramatically and wages stagnating, it’s easy to see why households are feeling the pinch.

This financial pressure has often proved too much and has consequently meant that many have lost control of their finances, missing important payments and turning to short term finance such as payday loans or credit cards as short term fixes.

Sometimes financial trouble is unavoidable; however in many cases it can be dodged by simply implementing a basic household budget, this is our guide to creating an effective budget:

1. Calculate your debt

This is the stage at which many bury their head in the sand in order to avoid facing the extent of their debt. It is in fact important that you are honest with yourself and note down exactly how much you owe, the monthly repayments and the source of the debt.

Ensure you take into account any credit or store cards you own, bank accounts with overdrafts and loans. Although the figure you are left with may be a surprise at first; this will be the highest it will ever get.

2. Prioritise Debt

Now that you know exactly how much you owe and who you oweit to;it’s time to prioritise which debts to settle first. A good idea would be to set about paying off the debt which comes at the highest rates of interest, which will often be credit card and store card debt.

 It is important that you look to settle the highest interest debt first because by letting this continue to mount it can hurt you in the future.

3. Budget

Now it’s time to create your budget. Firstly, collate all the financial data you can such as your bank statements, wage slips, utility bills and any other data that may show sources of income and outgoings. Next you need to add up all of your income including your main wage along with any benefits or other sources of income you may receive. Do this for 3 months’ worth of income and then take an average.

 Now do the same for your monthly outgoings, total up your mortgage or rent payments, loans, insurance, council tax, utilities, internet, telephone and TV License. You may also want to include variable outgoings such as clothing costs, weekly groceries shop,fuel/ transport costs, entertainment and gifts. Take an average of your outgoings and then subtract this from your income figure, the number you are left with is your disposable income. If this figure is positive then that’s a great start, if its negative then you need to make some adjustments to your budget promptly.

4. Make Adjustments to your Budget

In order to increase your disposable income you need to either increase your monthly income or decrease your outgoings. While a pay-rise may be feasible it is often unrealistic, therefore the you need to reassess your outgoings.

 The easiest place to make cuts is on your variable outgoings, here are some of the most common areas to save money:

 Groceries: Try shopping online as opposed to in store, this eradicates the temptation of impulse buys and makes it easier to identify special offers.

 Entertainment: simply cutting the amount of times you go out each month by half could save you £100s each month.

 Fuel/ Transport: Drive more economically; using public transport and comparing petrol prices are all ways to decrease your transport costs.

 You may also be able save on your fixed outgoings such as utilities, data (e.g. call, broadband and tv) and car insurance by using comparison websites and switching providers whenever necessary. However this will require time and effort on your part.

5. Set Goals

Setting realistic goals not only gives you something to aim for but it offers motivation. If you have large amounts of credit and store card debt then a good goal would be to pay off this debt. Other popular goals are saving for your retirement, saving to buy a house to building an emergency fund. The financial goal that suits you best will depend on your financial status, it’s important that you remain realistic but be ambitious at the same time.

6. Be Financially Disciplined

It is important that you stick to your revised budget and don’t be tempted to splash out on lavish and unnecessary purchases. Ensure that you do not apply for any further credit until you feel you are in control of your current debt.

Author Bio: This article has been written by Jason Scott on behalf of UK Credit Guarantor Loans. Find more money saving tips at guarantor loans online.



6 Ways to Maintain Control Of Your Finances


When you put money-saving tips into words, it sounds simple, but actually applying these tips to your life is often difficult. Try starting out with these simple steps to guide you on your way toward maintaining control of your finances.

1. Create a Budget

Creating a budget is perhaps one of the simplest tasks that you can undertake to help you save money. First, look at the cost of your most important bills, such as housing payments, utilities, and crucial loan payments. Next, determine how much you have left for extras and where you would like to spend this money. Set a budget for each category, such as groceries and travel, and create a plan on how you can better spend your earnings efficiently.

2. Compare Prices

Before you make a spur of the moment decision, it’s best to compare prices at different retailers. For example, you might be able to cut back on your grocery costs if you choose to shop at a cheaper store. Additionally, if you’re contemplating a bigger purchase, you can save a lot of money by comparing prices at various retailers.

3. Consider Every Purchase

Every time you make a purchase, ask yourself if you really need it. Consider how important the product or service is, and determine whether or not you can wait. Look at your finances before making larger purchases to make sure that you can afford it.

4. Evaluate and Track Your Spending

Oftentimes people don’t realize how much money they actually spend, so if you really want to take control, keep track of where you spend your money. Save your receipts and record how much money you spend and what you spend it on. This will help you better understand where your money is going and where you can save.

5. Create an Emergency Fund

For optimum financial control, it’s important to create an emergency fund. You never know when you might need car repairs, face medical expenses, or lose your job, and a good emergency fund can help you through these situations. A good rule of thumb is to set away 10 percent of each paycheck in case of emergencies.

6. Avoid Payment Plans

If you don’t have enough money to pay off a purchase in one go, then you always have the option of a payment plan. However, as you continue to add these bills to your monthly expenses, they can easily get out of hand, and the money you pay in late fees and interest rates can cause you to pay much more in the long-run. For example, if you don’t have the money for a new car, shop for used Nissans at for something you can afford immediately.These are just some of the simple ideas you can use to help you spend more efficiently and maintain control of your finances. By starting here, you can better understand your spending habits and help reduce your financial stress, no matter if you simply spend too much or are in debt.



Online Tax Preparation – How It Can Benefit You

    There are many advantages in preparing and filing your taxes online.  If you are familiar with the electronic filing, then it is a good chance to avail these electronic filing benefits.

Track and Organize the records is made easier

Filing the taxes online helps you to retrieve the records easily and no need for searching the cabinets or stacks of paper.

Online Tax Preparation

Get the Maximum Returns

You have to pay while filing the taxes online, but you could easily get the money back as online tax filing gives more chances of tax deductions and tax credits

More accurate in calculations

It is very much convenient to submit 100% accurate through online. No need to worry about tax forms and all the steps will be shown by the tax software itself.

Files the tax return faster

It will speed up the process of filing and there is no need to spend days and weeks through the papers.

Tax Refund is made faster

Filing the taxes online ensures faster refund of money. With online tax filing and by using the Direct deposit option, the refund money can be collected through bank within two weeks or less.

After knowing all these benefits, one will find it hard to files the tax returns using paper tax forms.


4 Finance Topics That Will Engage Even the Most Financially Savvy Audiences

    When you are planning an event, you want it to linger in attendees’ minds long after the big day is over. Perhaps your goal is to generate new sales, empower employees, forge new relationships, expand your sphere of influence, launch a new product or teach attendees how to use your existing products more efficiently. Regardless of the goal, you have already made a major score when people register to attend. Now, you need to make sure the event itself — and the speakers you bring in to facilitate and lead it —engage and inspire your attendees to take action. If you are planning a finance-related event, these four topics are guaranteed to engage even the savviest financial participants.

The Fiscal Cliff Meets Economic Reform

When 2013 began, the “fiscal cliff” was already a common buzzword. President Obama’s response through the American Taxpayer Relief Act of 2012 followed its predecessors in increasingly more aggressive attempts to alleviate taxpayer burden while bolstering a still-sagging economy. The fiscal cliff issue came to a head in January 2013, when a simultaneous tax hike and reduction in government spending was proposed to reduce the fiscal deficit. Late-breaking legislation alleviated the expiration of the Bush 2010 tax cuts and eased the burden on taxpayers. However, these measures are temporary. To date, only minor dents have been made in the deficit, leading to ongoing debates about how individuals and companies will be asked to participate in this process.


The Corporate Economic Impact of Global Climate Change

Climate change is already affecting companies worldwide — albeit in different ways. For some, natural disasters have taken their toll on the availability of overseas workers, facilities and natural resources. For others, continually rising prices for raw materials calls for equally continual adjustments to retail prices, wages and benefits. Customers are increasingly seeking companies that choose to do business in a sustainable and environmentally friendly way, causing overhauls of advertising and marketing strategies, vendor relationships and product lines. While each company may choose to handle this evolution differently, no company that wants to remain viable, competitive and profitable in this new “eco-friendly era” can afford to ignore the effects of climate change on business.

Planning for a Retiring Workforce

October 2007 was a landmark date for Social Security. This month marked the first incident of baby-boomer workers taking advantage of their Social Security benefits. It also marked the start of a new era — an era of a rapidly retiring workforce. On one level, employees are worried about the availability of their benefits if they delay gaining access to their Social Security funds. On another level, employers are worried about succession planning, talent recruitment and bearing the costs of retired worker benefits. What is clear is that planning for a retiring workforce includes these issues and more — and as of yet, there is no consensus regarding best practices.

Personal Financial Planning Meets the Fiscal Cliff

With the last-minute legislation President Obama signed into law on Jan. 2, 2013, the tax burden on individual taxpayers was alleviated. Now that “going over the fiscal cliff” is no longer considered an impending inevitability, certain tax breaks and concessions have been preserved — temporarily. This leaves the burden of personal financial planning to investors. For instance, when is the right time to convert a traditional IRA (investment retirement account) to a Roth IRA? Should investments in the stock market be reduced, increased or held steady? Perhaps most pertinently, how can personal budgets be adjusted to accommodate tax increases? Yet again, while all of these questions are on the table and often subject to intense debate, there is no consensus on how to address them.

 With these four timely and relevant topics, even your most experienced financial participants will find something fresh and new as a useful “takeaway” from your event.

About the Author: Carlos Sanchez works as an event planner for a financial company. For his last event, he used Leading Authorities Speakers Bureau to find an engaging speaker who made the experience a success.


Keeping to a budget in 2014


In today’s financially challenged world, it appears more and more of us are struggling to make ends meet. We are finding it increasingly difficult to pay for the everyday essentials, let alone find any spare cash to splash out on treats and luxuries for our loved ones.

It all makes for a pretty gloomy picture, doesn’t it?

But it doesn’t have to be this way. With more and more of us learning to live on a tight budget, shopping around to find the best deal and being sensible with our hard earned cash should become a new way of life, rather than a depressing situation that must be endured.

Creating and sticking to a sensible spending budget is usually the first step to taking charge of your finances and can really help if you are saving up for something special, working towards a goal, or simply just trying to make every single penny count.

Maybe you realise your spending has become erratic – we have all experienced that feeling, when you start the day with $20 in your purse and end the day with none, with very little recollection about what happened in between and nothing to show for it!

Here are some top tips for helping you keep within a budget during 2014 and onwards, turning you from silly spender to savvy saver in no time at all.

Shop around for the best deals

Make a list of every household bill you pay and then get online to compare costs across a range of providers. Our insatiable appetite for bargains has driven the huge rise in comparison sites, which means that there are huge numbers of willing service providers ready and waiting to help us achieve our financial goals. Captain Compare is a fantastic example of an insurance comparison site, and offers a quick and easy solution for anyone wanting to shop around for the best auto insurance deal, without the hassle of having to pick up the phone hundreds of times to do so.  Comparison sites automatically check across hundreds of different insurers to find the most attractive deal according to your personal circumstances.

Never go to the grocery store when you’re hungry

Shopping on an empty stomach is a big mistake when trying to keep a tight hold of the purse strings. Not only will you be more tempted to pick up expensive and unnecessary snacks and high sugar chocolate bars, which will fill your need quickly; you are more likely to rush through the shop and miss the best deals on offer.

If at all possible, create a strict menu plan for the week and make a list of every single ingredient or product you will need to create the meals. Following a shopping list will make you less likely to stray and pick up things you really don’t need – however tempting.

Keep a log of everything you spend

Some people find it easier to carry around a small notebook and make a note of everything they spend as soon as they have spent it.  Others prefer to retain the receipt somewhere in their wallet and document everything at the end of the week or month.  Either way, you are sure to be shocked when you look back over the results – and surprised by how much unnecessary spending you do on a daily basis.  The action of writing every purchase down has the added benefit of making you more aware of your spending habits and will lead you to stop and think before spending unnecessarily.


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