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Tips for the beginner investor
Investments

Tips for the beginner investor

Ask someone for advice about managing your personal finances. Start reading personal finance columns or blogs. You will keep hearing a common refrain: Invest and build funds for your future now. You cash reserves are vital in an emergency. They provide a safety net against volatile investments. One bad decision could wipe out profits and your capital.
Investing, use the power of time and compound earnings
Investments

Investing, use the power of time and compound earnings

Let’s say you’re creating an investment portfolio, and have diversified investments. The earnings on your investments each year add to your wealth. You can take out these earnings as extra funds to use as you please. It is your money, after all. However, if you put these earnings to work, you could increase your wealth over a few decades.
What you need to know when getting a credit card
Credit Cards

What you need to know when getting a credit card

If you’re looking for a credit card, shop around, don’t accept the first offer you get. There are many fees and charges that can add up to the cost of the card. Decide on how you plan to use the card, whether you’ll pay off your full dues or if you intend to carry a balance.
Applying for a student credit card – what you need to know
Credit Cards

Applying for a student credit card – what you need to know

Building a credit history is important for a number of things. These are things like getting good housing or getting a loan. But you can’t get a good credit card without having good history. But for good history, you need a credit card. So, where does this circle start and where does it end?
How to manage your credit card usage
Credit Cards

How to manage your credit card usage

A credit card is a convenience that can be a godsend for most of us. It enables cashless transactions, purchases on credit, helps manage cash flows, and get reward points and cashbacks. However, if you’re not careful, they can lead to debt and penalties that can be tough to get out of.
How to reap the best out of an annuity?
Personal Finance

How to reap the best out of an annuity?

Based on the type of payout of the benefits, annuities are classified as immediate income and deferred income (that includes fixed payment, variable payment, equity indexed) annuities. Although annuities provide tax benefits, there are a lot of costs involved in it when compared to traditional investment plans. Once the investment type is chosen, it is important to consider other aspects of investing in annuities to earn the best income.
List of oil stocks that are stealing the show
Investments

List of oil stocks that are stealing the show

In recent years, alternate energy stocks have seen a large number of investments in the markets. Investing in oil stocks has become a great way to diversify your investment portfolio. Although these stocks come with their own set of risks, there are some safe stocks that offer you an excellent return for your money.
Important things you need to know before opting for a flood insurance plan
Natural Disasters Insurance

Important things you need to know before opting for a flood insurance plan

If you reside in an area prone to floods and have a mortgage on your property, then you should unquestionably get a flood insurance. On the other hand, if you live in locations where there is a low or moderate risk, then opting for such type of insurance would be a clever thing to do as such calamities are erratic.
How to switch to no annual fee reward credit cards
Credit Cards

How to switch to no annual fee reward credit cards

Reward credit cards with no annual fee can be a great pick for all kinds of individuals. This type of card is especially ideal for applicants who are looking for limited but fantastic rewards without bearing the brunt of the yearly charges. You can easily switch from your current credit card issuer to this kind of card.
How to pay less tax on your small business
Personal Finance

How to pay less tax on your small business

In many cases, small business owners do not know that there are a few deductions they are eligible for, and they miss out on tax-efficient ways of retirement savings and business management. Although the amount of tax that a small business has to pay depends on the ownership and type of business, it is possible to reduce the amount of small business taxes.
How to save on interest on your loans
Loans

How to save on interest on your loans

It is easy to get loans today, but not easy to get low-interest loans. Today banks charge a huge amount of money in the form of interest, which will give you cold feet even before you meet the bank manager to approve your loan. The truth is that lower your interest rate, the easier it gets to pay off your loan.
Know about the various tax preparation software
Personal Finance

Know about the various tax preparation software

Tax preparation services are in demand when people have to file their returns. The average cost of tax preparation service starts from about $275. The cost of tax preparation is not the lowest cost, which makes it important to get the most of your tax preparation services. However, there are ways to save money on tax preparation services and that can be done by identifying the tax-time priorities in advance.

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