Refinance Today- With or Without Equity

Have you heard about the low interest rates available to refinance your mortgage so many times that you are tuning it out? Rates have fallen to record lows for 11 of the past 12 weeks. The headlines keep sounding the same note: Record low rates, record low rates, record low rates! Don’t let the noise

Are Gym Memberships A Waste Of Money?

There is no doubt that life at the moment is stressful for most of us. An unstable economy and rising prices means we have to stretch our hard-earned money even further. Many little luxuries that you used to enjoy have to be given up to set aside more money for increased bills and even food.

Where Would You Invest if You Didn’t Trust the Market?

I was thinking about my lack of risk tolerance the other week and I thought to myself that I can’t be alone.  I am only 30 but in the 12 years since I have become an adult I have seen 9/11, the dot-com crash, housing crash, credit crunch, unemployment rate nearly double, Euro Crisis, commodity

Benefits of Incorporating Invoice Factoring in a Business

Businesses usually resort to invoice factoring in order to attain funds for growth or survival. Invoice factoring or discounting would involve a business selling its invoices to a third party commonly referred to as the factor. Organizations aspiring rapid growth, with negative tangible net growth, operating at very high losses or undergoing bankruptcy turn to

6 Month Update on 2012 Goals and Objectives

Written before reading my 2012 Goals and Objectives: I hope I am wrong but I have a sinking suspicion that I have not lived up to what I must have written in that post.  If this is the case I rather than making excuses I am going to try and explain whether I am altering