Personal Finance

articles about personal finance and investing.

For a young person in their 20s, fresh out of university with a new job, what do with extra money is the last thing they are thinking of. Retirement is years away, and plus first jobs rarely pay much. However, thinking about what to do with extra money is...
It is hard to know what you want to do in life. Most students people graduate from university and have a plethora of options that await. This is especially true for those that study non-professional degree and business disciplines. A business major could get a job at an oil...
You are sitting at your desk at your office working normally when suddenly you are asked to a meeting with human resources. Uh oh. You go to the meeting and are informed that you will be made redundant. You are escorted back to your desk and asked to take...
There are many different ways to invest money. They range from super easy and safe (a savings account), to more complex and risky (stocks and bonds). But there are some investments that should be avoided in all situations. Avoiding these kinds of investments will make it more likely you...
Many people don’t like their corporate jobs and want to do something for themselves. Many other people complain that they are being underpaid for the amount of work they do. Joining another big corporate is an option, but it may not solve the underlying issues. The work may still...
Debt is one of those words that elicits strong reactions from everyone. Some people think debt is the devil and should be paid back as soon as possible, while others think its perfectly fine to be in debt. Most people will agree on one thing though: debt is something...
It is the U.S. tax season, and while the concept is relatively simple, filing your taxes can be stressful. Making even the simplest of mistakes can lead to your returns being rejected or having your finances audited by the IRS. It’s no wonder most Americans hire a tax accountant...
When investing in real estate, it is good to know where to look for the best deals. Market listings are not the only option for this. Unfortunately, most beginner investors do not know that off-market properties often have better offers. What Is An Off-Market Property? Off-market properties or pocket listings are...
When you want to invest in pooled funds, mutual funds, and Exchange Traded Funds (ETFs) are among the major pooled investment, you’ll come across. Knowing the difference between these two is the key to a good investment. There is a lot of similarity between ETFs ( Exchange Traded Funds) and...
While having a mortgage allows you to build equity, the long repayment term can be draining. When the opportunity arises, many borrowers reconsider refinancing their mortgage loans. Refinancing sometimes comes with better loan terms, especially if you’ve serviced your mortgage loan for several years. However, refinancing doesn’t always work in...
To work from home is a goal many people have set as part of their 2020 resolutions. When asked to choose, millennials are known for leaning towards getting more time to themselves than money, which is why remote jobs are increasing at a rapid pace.   Deciding on how to begin...
More money. We all wish we had a bit more. Right? To buy that fancy dress, new gadget, save more for a vacation, pay off debt or a cool dinner date. This article features some unusual yet effective ways to make money.  You can make an extra dollars without spending much of...
Investors and homebuyers sometimes go for foreclosed properties as it allows them to buy properties at a fair price. As much as you can find foreclosed properties with decent prices than newly listed properties, they come with pitfalls. Below are the pitfalls to watch out for when buying foreclosed...
Debt consolidation is refinancing your old credits, where a lender merges multiple credits into one loan and repays off the old debts. You will end up with one loan with new terms from one lender only. While debt consolidation has its advantages, like allowing you to have lower interest and...
As you grow older and become more independent, you realize that your physical health is not the only thing that matters. A healthy financial life helps alleviate your stress levels and promotes a more stable lifestyle. Although there is no specific score or number that measures our financial health, it’s...
The first step towards financial freedom is organizing your finances and setting up a budget. Fortunately there are plenty of applications that can work with your financial accounts to help you keep track of where your money is going. These apps can help you set up a budget, track your...
Life isn’t fair when it comes to money. Some people have a ton of cash while others struggle to just scrape through every month. When every other brand is trying to sell something to us, the urge to spend our way to social acceptance keeps going north every passing day....
If you are lucky enough to have a job amid this pandemic, there is a likelihood that you are still with the work from home (WFH) measures many companies are still practicing. One of the secrets to success when working from home is investing in a comfy and relaxing...
If you have started your investment journey, you already have a few investing avenues- like mutual and index funds. Today we will focus on index funds, and are they a good investment choice for a beginner? To start, index funds are a form of Exchange Traded Funds (ETF) or Mutual...
When people talk of income, either from providing services, selling products, or their investments, they rarely think of the different income types. When we think of the different types of income, it's quite common for one to get confused. First, there are two types of income, disposable and discretionary income....
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