As people are trying to minimise the amount of debt they have in the wake of the recession, the retail credit card industry has been forced to change. It is usually the first thing that people pay off and get rid of, and with good reason: store credit cards often have eyewateringly high interest rates and the late fee penalties that would make you want to cry.
With all this in mind, the average consumer may wonder whether opening or carrying a retail store card is worth it at all. Well, the answer is different for everyone; however, there are a few criteria that you can take into account.... Read More
Spring is finally here, but that certainly doesn’t mean corporate America will cease to use the cold weather as an excuse for abysmal corporate earnings. Throw a dart at any sector, and you’ll find CEOs blaming the weather in some capacity—well, save for the utilities companies.
One sector that might be able to (on some level) justifiably blame the weather for a weak start to the year is the auto sector. Overall, U.S. auto sales were up eight percent year-over-year, while Canadian auto sales were up four percent. (Source: Isidore, C., “Car sales make a strong comeback in 2013,”... Read More
In most cases, people choose variable annuities as a means to safely grow money for income during retirement. They have the potential to give added financial security to one's golden years while simultaneously safeguarding money already invested. However, combing stock market exposure with investment safety does come at a price. Variable annuities may or may not be right for you and your situation. Here are a few things to consider before you begin investing.Variable Annuity Basics
The most common goal investors have when opening a variable annuity account is to have a steady stream... Read More
1. Have a budget
One of the big problems that people have with their money is the lack of a decent budget. Having a budget isn't a big task that requires hours of work, especially if it's just your personal finances. Your budget can simply be a rough estimate of how much you hope to spend within a month. You might choose to start each month by creating a budget for that one month; however, you might want to plan ahead and create a budget for the entire year. Businesses usually plan much further ahead, and some will even have budgets for the next five or so years since this can help greatly... Read More
At the end of November last year the Bank of England announced that the Funding for Lending Scheme, which has been in operation since late 2012, will be aimed at funding for business, rather than at lending to households. The scheme had been due to end in 2013 but was extended for a further year and has been widely seen as one of the main reasons behind the low interest rate deals available from major banks on their mortgage products (see cbonline for low rates that are still available). While the much heralded economic recovery remains somewhat sluggish there are clear signs that some of the... Read More
One of the most important things to do when it comes to managing a business is to keep account of your finances. That means that your accounting system must always be in order. Having an accurate invoicing system is a great way to do so. It is important to have a professional invoice, so your customers take you seriously, and want to continue to do business with you. Your reputation is on the line. With so much to do daily in running a business, you need to find a way to make invoicing easier for yourself and employees.Get Out Of the Stone Age
First off, there are many ways to process... Read More
The larger a building is, the more it is going to cost to cool in the summer months. As a business owner, this can be a huge expense. There are several ways in which you can pay less for air conditioning. Using a few of the tips below and ensuring that the building is properly insulated, a reduction in cost should be seen nearly immediately.
Password Protect Thermostats
Employees have a tendency of adjusting the thermostat on their own if it gets too hot. To prevent this, install programmable password protected thermostats where only those in management can make the adjustments.... Read More
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