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
For those still recovering from the housing crash of 2008, the Federal Housing Administration’s “Back to Work – Extenuating Circumstances” program may seem like a miracle. Online home mortgage lenders are now allowing borrowers to apply for a new, sustainable home loan without a three-year waiting period. In fact, the waiting period for those who have faced a previous financial crisis is only 12 months.
Mortgagee Letter 2013-26 defines an economic event as “any occurrence beyond a borrower’s control that results in loss of employment, loss of income, or a combination of both, which causes... Read More
Surety bonds are an essential tool for small businesses all across the United States. Despite their importance, many business owners tend to forget about surety bonds unless they are mandated by the law. Both small business owners and companies can highly benefit from the security and credibility that accompany proper surety bonding. To learn more about surety bonds click here.
What are surety bonds?
A surety bond is simply a risk alleviation and management tool. They are likened more to lines of credit than to insurance policies. Most states have them listed as requirements to... Read More
Financial crisis? A new program called “Back to Work” home mortgage is waiting to help.
Due to the economic financial downturn over the past six years, families have been stuck in a drought of monetary instability. As consumer confidence begins to rise and some employment opportunities have returned, many families have been looking to buy a new home.
However, some buyers are still left credit-less because of a failed mortgage that resulted in prior foreclosure, prior short sale and even bankruptcy. At this point, what could be more terrifying than a complex loan process?
This... Read More
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Personal finance may seem a difficult issue, however there is nothing unclear, when you make a budget and just control your spending. For someone it can become an interesting game when you can save a lot of money just canceling some unnecessary purchases...
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