Everyday that you go to work you make earnings toward your living. Your success depends on you. Though, you might feel much of it is out of your hands. There are simple ways to regain the advantage and improve your lifestyle. Financial security can contribute to an overall feeling of comfort. The good news is… Continue reading How to buy US Treasury Bonds
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What is a ‘Capitalization Rate’?
In this essay, we will discuss ‘Capitalization rate’, ‘cap rate’. I will define it in financial terms and provide you an example in figures. Further, we will delineate the importance of Cap rate and how you can implement it today! Cap rate is a percentage in Real Estate to value the expected rate of return… Continue reading What is a ‘Capitalization Rate’?
Effects of Inflation on purchasing power
Each day you go into work you may be reminded as to the value of a hard-earned dollar. If you don’t have much flexibility in your savings account, then you are likely to have concerns about the effects of inflation on your purchasing power. What is Inflation? Inflation is a measure of the rate at… Continue reading Effects of Inflation on purchasing power
How to Achieve Financial Freedom with the Best Credit Habits
Introduction: What is Credit & How Important is It? Credit is a measure of one’s ability and willingness to repay debt. It is also the amount that a person or company can borrow from a lending institution. Here are the best credit habits to learn. Credit scores are used by lenders to make decisions about… Continue reading How to Achieve Financial Freedom with the Best Credit Habits
Financial book reviews for beginners: Atomic Habits, James Clear
After hearing about this book over the past few years, I finally decided to purchase it. It seems to be really popular because there was a 6 week wait on the digital copies at my local library. Nonetheless, I am really glad I purchased my own copy because I can highlight and take notes in… Continue reading Financial book reviews for beginners: Atomic Habits, James Clear
Higher Learning, Higher Earnings?
Life, though worthwhile, can bring about many challenging trials, especially financially. I don’t know about you, but there always seems to be room to advance regarding our income! There are seldom moments where you think, “I make too much money.” In all honesty, It’s probably a more frequent feeling that you don’t have enough. At… Continue reading Higher Learning, Higher Earnings?
Financial book reviews for beginners: The Total Money Makeover, Ramsey
I have heard a lot of negative reports of Dave Ramsey’s approach tobuilding wealth. The main criticism I hear is that Ramsey leaves the personunable to enjoy life while working toward a financially free lifestyle. As I read thebook, I began to see how someone can be turned off to The Total MoneyMakeover even if… Continue reading Financial book reviews for beginners: The Total Money Makeover, Ramsey
Price versus Value analysis
You always want to spend less. To have more money. Applying for a CC you want a lower APR. APRs at 25% are too high. We want to manage our credit. Additionally, we want to manage with low APRs. I have done a lot of work on my credit. My focus has primarily been… Continue reading Price versus Value analysis
Financial book reviews for beginners: Think and Grow Rich, by Napolean Hill
This book is a classic and unconventional read. Readers may recognize hints of Dale Carnegie’s all time classic “How to win friends and influence people”. Hill is very open and proud of his friendship with the Steel magnate, Andrew Carnegie. In many respects it is a historic writing, citing the achievements and idiosyncrasies… Continue reading Financial book reviews for beginners: Think and Grow Rich, by Napolean Hill
Most common credit card mistakes
Your financial health is important. A good credit score helps you to finance what you may want. Employment, buying a home, healthcare these things are all relevant. Avoid mistakes that could jeopardize your financial status. A good financial habit is to avoid unnecessary costs. Why spend money if you don’t have to? Credit cards may… Continue reading Most common credit card mistakes