One Cent At A Time

A Personal finance blog for saving money and earning more and thus having a better life

Archives for October 2018

The Stock Market Made Easy

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I am sure you’re anxiously seeing the stock indices volatility and gross downturn past few weeks. Is it abnormal? Naturally, stocks do vary. For example, there are dividend stocks or defensive stocks. A good beginning stock is dividend stocks which give buyers a long-term return. A defensive stock is a good beginning stock for a long-term investment like water, electrical, or utility stocks.

The Stock Market Made Easy

I am not panicking with the recent market downturn. Neither should be you. We need to understand how these markets work. The loss you are seeing now re all paper loss, you don’t make a loss till you sell your positions. I am holding tights on to my stocks and funds.

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Can I get a car loan if declared bankrupt

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Getting a car loan can often be a nerve-wracking process. There’s a lot to think about and quite a few documents that you’ll need to produce. If you’ve been declared bankrupt, you may be really worried about whether you can get a car loan – don’t panic.

Depending on your individual circumstances, it is possible to get a car loan if you have been declared bankrupt. Many bad credit lenders understand that there are many reasons for difficult financial situations and are open to giving people a second chance.

Bankruptcy in Australia

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Why You Should Invest In A Smart Home

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Investing in a smart home might be the best decision you’d ever make because of its accessibility and future cost-saving capabilities.

As children, most of us marveled at the house George Jetson used to live in, even though it was a cartoon. It was our dream for the future, to be able to control our entire house at the flick of a screen or saying a command out loud.

 

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How to Get the Best Car Loan for You

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For many people, getting a new car starts with a wish list of what kinds of cars you want with what kinds of gadgets and special features you want inside. It’s easy to buy into the fairytale of driving your dream car to the office and watching all your coworkers gawk in envy.

How to Get A Good Car Loan

If part of your dream, however, is getting a good deal on the car loan you need to make the purchase, then you should probably follow a different set of steps.

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Exciting Gift Ideas to Make All the Celebrations Super Awesome for your Family

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In today’s fast pacing world it has become difficult to meet all the family members on daily basis. It’s the only occasions and celebrations that untie whole family members.

Exciting Gift Ideas to Make All the Celebrations Super Awesome for your Family

Therefore, occasions and celebrations are the most special days for everyone. People try their best to make every celebration enthusiastic and cheerful. It’s the celebrations that bring the whole members of the family together.

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Eco-Friendly Furniture for Your Home

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What is living green? Our environment is one of the foremost things that we should take into consideration when making choices in our life. There are many ways in which we can help protect our planet on simply a day to day basis such as recycling, avoiding littering, using more natural products, and the list goes on and on.

Eco-Friendly Furniture for Your Home

But, have you ever stopped to consider your home? The furniture that you have in it? In case you haven’t heard, or are looking to take a step in the direction of all things green (and by that we simply mean eco-friendly), let’s discuss some Eco-Friendly options for your home.

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How To Get 800+ Credit Score

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Surprise surprise! my FICO score reached an all time high this month. I am now at 813. It’s so satisfying that our personal finance habits, habit of handling credit responsibly has paid off. I have posted a number of articles on improving credit score. Today I’ll write about my credit score, how it reached 813, the factors that went in my favor, also the ones that’ll have to be improved further. Let’s first start with what’s on FICO.

My FICO Credit Score report

 How My Credit score reached 813

Congratulations – You have an exceptional FICO® Score. The below factor(s) are informative but not significant as they represent very marginal areas where your score was adversely affected. Keep up your good financial habits!Key Factor(s) affecting your FICO® Score:

  • Too many inquiries last 12 months – Each time you apply for credit a credit inquiry is added to your credit report. People who are actively seeking credit pose more of a risk to lenders than those who are not. Your FICO® Score was lowered due to the number of credit inquiries within the last 12 months.
  • Length of time accounts have been established – People who do not frequently open new accounts and have longer credit histories generally pose less risk to lenders. In your case, the age of your oldest revolving account and/or the average age of your accounts is relatively low.

what Credit score 813 means

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Making Money With A Website

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Having a website is great for a number of reasons and one of the most popular of these reasons is the possibility of making money with it. While it’s by no means a simple thing, earning via a website is within most people’s reach.

Making Money With A Website

You can visit here to learn more about what’s involved, but the idea is accessible enough to make it a popular concept. The question now is how you can actually make it happen.

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Money Management Tips for Forex Traders

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When I had enough time for investing, just before my last promotion, I used to do Forex. Not all the time but, few trades a month. I won some, I lost some. I think I did end up in net profit out of those trades. Forex trading, I feel is less risky than stock trading, as you’d inadvertently start with less amount of money. But regardless, you must exercise caution and take baby steps until you are accustomed to the rule of the game.

What is Forex Trading?

Trading on the forex markets can be very lucrative, but inexperienced traders often make simple mistakes that cost them money. The right money management tips are the difference between a profit and a loss. Read on for some advice on how to better manage your money and your risk.

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