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Friday, November 16, 2018

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Has tax time or a health expense done a number on your bank account? If you are flirting with overdraft, you need to take action to right your financial ship – here’s how you can go from being busto to robusto in a matter of months.

1) Craft a strict budget (and stick to it)

You got into this situation by having no plan – you’re going to climb out of it by creating one. Create slots for each expense, both fixed, variable, and discretionary. In order for this to work, the limits you set need to ensure you end up with a surplus at the end of every month.

Make sure... Read More

We all need emergency funds. But what if your savings are not enough? If you're an unemployed or live paycheck to paycheck, it's easy to run dry of cash. Luckily, you can get a quick fast loan no matter your financial situation.

Whether you have a bad credit score or have a short employment history, you don’t need to sell your assets to get emergency cash. Below, we explore all the options you should consider for a fast loan.

Personal Loan from Loved Ones

Asking for a loan from a friend can uncomfortable but it’s one of the first options you should always consider. Your... Read More

An engineer loan gives you instant access to liquidity to install new machinery, implement upgraded technology and consolidate existing debt, among others. While the loan amount, tenor, interest rate, etc., is crucial to factor in while availing this loan, equally essential is to ensure that the entire process doesn’t damage your credit score. A healthy credit score is a gateway to availing future loans. So, what’s the way to ensure getting a loan for engineers without damaging your credit score? Read on to find the answer.

Avoid multiple loan applications

A common tendency among... Read More

The bills are piling up, you’re facing penalty charges, late fees, and high interest rates, and you’re not sure how much longer you can keep juggling all your payments. It may be a sign that you’re insolvent, meaning you don’t have the income or assets to pay back your unsecured debts. That opens up options such as bankruptcy or a consumer proposal.

The big thing that frightens people away from bankruptcy is the belief that they could lose everything they have. In fact, there are a number of assets that are protected.

These are some of the assets that are exempt... Read More

It is important to understand the choices one has when it comes to a loan. Applying for a business loan becomes essential when one wants to set up or grow one’s business and when one does not have enough means of self financing. A good way to opt for a loan in this regard is to try for a collateral free business loan. There are many who would argue that a secured loan is the best way to go- because as an asset is provided as a collateral- there are chances one can get approved for the loan at a lower interest. However, creditors can undervalue the asset to a considerable degree, which means... Read More

As a small business owner, you must have wondered about the solutions available to increase your capital and improve your business. You have considered about applying for a small business loan, but you probably were unsure because of all the related costs. We are here to help you. Learn here the most important aspects of a business loan and how to use a business loan calculator to understand the true costs.

It is good to know all the information about a loan, in order to not be surprised by the evolution of the markets and the interest rates. A fixed interest rate is the choice if... Read More

Gaining financial independence not only means earning a handsome income every month, but also means putting your money to good use. Saving a decent amount every month and investing smartly is the key to financial freedom. However, creating an investment folio does not only mean choosing available options such as mutual funds, Fixed Deposits or PPF.

It also involves calculation that will help you assess your risk appetite, your life goals and your financial capacity for investment. So, take a closer look at how you can treat your money well with a mix of long-term and short-term investment... Read More

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