A Personal finance blog for saving money and earning more and thus having a better life
Looking to make money this weekend? Maybe you got an unexpected phone call from a friend with a great deal on a vacation destination. Or the transmission went out on your car and you don’t have the cash to get it fixed.
Maybe you’re trying to get out of debt once and for all so that money is no longer a struggle. Or maybe you just have one of those weekends where nothing is planned so you thought you might as well use it to earn some extra cash.
Writing a great business plan is one of the most important steps for a young company. During those shaky early days of the business, workers need guidance on what the main goals are to their employer.
A business plan functions as a playbook that gives people direction. It’s the best way to plot a course for a better tomorrow. When you’re writing a business plan, though, you need to keep a few business tactics in mind. Here are five elements of an amazing business plan.
This article is geared for small business owners as an insurance guide according to the needs of their business. In the present age of litigation, it’s in every entrepreneur’s best interest to make sure they have the right insurance policies. This isn’t too difficult, given the plethora of online resources that can point you in the right direction. In fact, you can conduct a quick search of related businesses in your industry to find out what insurance policies they’re carrying.
The basics tend to include liability insurance, property insurance, health insurance and its derivatives and more. For the latter, you can see more information here. But beyond health and worker’s compensation, there are quite a few more obscure insurance policies that just might be tailor-made for your company.
Why drive for Uber? Are you in need of extra income to help your finances? It is getting harder for anyone to survive on just one source of income in today’s economy. Many people take on a second job to improve their cash flow and meet their monthly financial needs.
However, most part-time jobs are only available in the retail or restaurant sectors. These jobs have incredibly long hours, with very little pay. In fact, most part-time jobs offer less than the standard recommended minimum wage. There is a solution to earn more income that does not require you to work fixed hours or perform menial tasks for very little money.
If you want to rent a place and have little time at hand, you might be prone to making some mistakes that will cost you extra money in both the short run and the long run. That being said, let’s take a look at top money savers for property rentals that can save money while you rent out a property, a home, a vehicle or some tools.
Today’s market is against the renters, that means, the property owners have the upper hand as more and more people are opting to rent instead of owning a home, per say. We haven’t still recovered from the housing slump and economy is dangerously close to another round of recession. If you know the boom and bust cycle of the economy. 8 years of continuous growth has to give up some time.
Millennials are known to differ from previous generations. They’re less concerned about the future and more concerned about the present. But that has led to the unintended side effect of millennials not making the investments they should.
The best time to start is when you’re young. And among all past generations, Millennials have more access to research, expert opinions due to the digital age. When every knowledge is within reach, then why don’t they get skilled in financial management.
Do not put all eggs in one market, spread your investment across multiple areas and instruments. Do mistakes at the beginning for they’ll turn into important financial lessons.
If you’re familiar with the home-buying process, you know that buying a house typically requires a 20 percent down payment. How can you save for this down payment? Let’s say the home costs $500,000. That means you’ll need to have $100,000 ready to go when you start the mortgage process.
Some home loan can be financed through FHA that requires you to pay less down payment. But typically, a 20% will ensure a better rate and faster loan approval. Moreover, if you don’t have 20 % to pay upfront, you’ll need to purchase private mortgage insurance, or PMI, which basically reimburses the lender if you default on your loan.
Food trucks have now become some of the most popular food eateries in some of the country’s largest cities. It’s a great way to start up a small food business without having to purchase real estate. Of course, while it offers a lot of potentials and some great fun, it’s not easy to start up your own food truck business.
If you’re not sure where to begin building your business, here’s a look at some easy steps you can follow to get your food truck business up and running.
Let’s admit it, looking for a new career when you are 50 or over is a challenge. If you think it’s that easy as in your 20s or 30s, brace yourself for failure. It’s not. Far from it. You need to have as many soft skills for 50 years old as possible. Remember, you’re competing against a bunch of young, dynamic and fresh persons for the same job.
To find a job at this late stage of life you have to develop a vast skill set and be able to do things a25-year old will excel at. Most importantly, you have to start developing these soft skills as early as you can.
What is emergency fund? Why is such a fund needed? How can I save money for emergency? And, most important question, Do I need an emergency fund?
Let us try to find answers to all these questions.
