Need Finance Now? Choose an Online Personal Loan

In the days before the Internet, applying for a loan was a long, involved and not to mention an expensive process. It was difficult to compare loan rates, hard to find information about your proposed lender and the application process could run to many pages, with one mistake meaning you had to restart the whole thing!

Personal loans

Nowadays, you can easily compare rates from hundreds of organisations, use a personal loan calculator to see how much the monthly payments are going to be and if you are in need of quick finance, get a decision within minutes! You can even apply 24/7 as websites are never closed.

Income Tax Documents and Forms Needed To File IRS Return

There is a huge list of documents that are needed for filing taxation in 2014. Now is the right time to get prepared. Along with the documents, you also have to make it 100% sure that you have all the IRS forms that are needed.

Before moving on to the checklist of documents and forms, I would like you to consider the following steps and read these other important resources.

  1. Read 5 things to bring to tax preparer’s office.
  2. Add the H&R Block checklist and this checklist in file of your important documents, or attach it to the outside of the folder.
  3. When you receive or locate tax documents, make sure to check them off the list and place them in your folder.
  4. Remove anything on the list that you do not need for your tax situation.
  5. Add a page to your documents file to enter all the information and amounts that are not already available on other documents. For example, you may not find bank routing number for direct deposit on any of the documents you have gathered for tax preparation.

Forms you Need for Filing IRS Tax Return

Here are the most common forms a tax payer needs to file return. all documents are in pdf version, you’ll need acrobat reader software on your computer to open. All documents are linked to IRS official site.

Solving Emergency Fund Myth – What, Why and How Much

I always had 40,000+ in my Checking and Savings account at any given time in last 5 years. I felt that’s absolutely minimum. I read prominent personal finance expert Suze Orman’s advice at Oprah’s web site. He first advice was to have 8 month’s worth of expenses saved in emergency fund. So, I thought that’s normal. Now we are a hoe owner and all those cash cushion went in to pay for down payment, closing and home repair cost. We now have around $5,000 lying in a saving bank account.

As they say, buying home prompts home owners to become financially more prudent, I started reading about emergency fund and started listening to podcasts, right after paying our mortgage down payment.

What really is emergency fund? Why such a fund is needed? How can I fund it? And, most important question, how much money I should keep in emergency/contingency fund? Let me try to find answers to all those questions.

Online Mortgage Loan Shopping For Best Mortgage – How I did It

I took a leap of faith and bought our home, our first home. In a series of posts I’ll write about the buying experience, the lessons learned and best practices. in this article I am going to write about mortgage loan shopping, and how did I shopped for mortgage loan comparing 10 different banks, sitting in my office cubicle.

I heard stories on extensive and hectic mortgage shopping that involves going around banks, making phone calls to bankers and what not. Even my colleagues had to go through hours and hours of research and travel to get the best mortgage.

Well, my method searching only lasted for 1 hour. I made no calls and received 10 calls from bankers on my cell phone.

Secure Financial Future After Graduation

Welcome to the world of young adult finances, readers! After yesterday’s post on the need of retirement planning in early 20′s , this is an excellent followup post. Here I’ll do less talking and let the infographic speak about what I wanted to say.

Early 20′s or late 20′s whenever you join in to work force is the best time to start financial planning. The other day I was talking to an intern in our office. He’s just out of college. To him the life’s all about spending money, partying, seeing places. I tried convincing him and he seemed interested to know more. I didn’t tell him about my blog but we planed to meet again for next round of talk.

Perhaps I got my first mentee whom I can teach about best practices of personal finance. He’s one of the typical generation X population. Years ahead of them before retirement, they don’t care. perhaps we were like the same when we were in our 20′s.