Personal Finance

/Personal Finance

I believe that Personal finance encompasses all the decisions a person might make when it comes to cash flow, budgeting, retirement, investments, multiple streams of income, and insurance protection. Every adult is bombarded with decisions to make when it comes to all these areas of life and I try to help with my thoughts and opinions on the various topics.

Four Smart Ways to Lower Monthly Expenses

It happens - you did your budget meticulously, but shopping here, a high bill there, and you're breaking the bank once again. It doesn't have to occur, though, and there are steps you can take to smart expense management. The best part - you won't feel it in the long run. Everyone's life is different, but most have some overlapping fields that eat up your salary. Here are four areas where you can lower your expenses with very little work. Do Some Energy Efficiency Checks Does your electricity bill always come a bit higher than expected? There are ways to fix that. [...]

By |2019-07-10T10:41:23-04:00July 10th, 2019|Personal Finance|0 Comments

How Big Data Influences Personal Finances

It’s relatively apparent these days how the sheer amount of information has changed the way both big and small companies do business and make their money. Indeed, big data has so altered the modern business model that new regulations in the U.S. (various legislation at the federal and state levels) and abroad (GDPR), are increasingly being introduced to effectuate tighter and better control of the massive amount of personal data now available via the Internet, the World Wide Web and beyond. What might not be so apparent, however, is how big data has also changed the way we, as individuals, manage our [...]

By |2019-06-24T23:35:16-04:00June 24th, 2019|Personal Finance|1 Comment

Researching Your Next Financial Adviser

Who do you trust to give you advice about your investments? If you're like many Americans, you rely on the advice of an industry professional whose main niche is giving just that. Most successful investors keep their brokers and advisers separate, even if they happen to work for the same firm. When you move advisers, you need to be sure you're making the right choice. That starts by checking the credentials of your new candidates, but it doesn't end there. How To Check an Adviser's Status Before the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, investment firms that had [...]

By |2019-05-28T13:42:52-04:00May 28th, 2019|Personal Finance|0 Comments

Reasons Consumers Overspend

You may be among the many people consumed by unbearable debt. If so, it’s best to understand the root of that debt and why we as a society have such a tendency to overspend. After all, it won’t do you much use to take care of a problem if you don’t understand the root of the problem. If you don’t, there’s a good chance you’ll end up right back in debt. So, what is the reason for overspending and falling headfirst into debt? Impulse Buying Companies use psychology to get us to buy more, even when we don’t mean to. Sometimes, we [...]

By |2019-05-20T19:49:28-04:00May 20th, 2019|Personal Finance|0 Comments

How to Pay Less for Essay Writing Services: 5 Budget-Friendly Ways to Get Help

At times, students cannot cope with a lot of assignments they receive from their teachers and professors. To cope with them all and meet their academic goals, smart students look at all available chances to solve the issues. Self-education is one of the keys but it may be not enough, especially when you have an urgent task. Thus, online help is the fastest and most obvious way out. Notwithstanding, the matter of price may be a huge disadvantage. Online help should be paid in almost every case. Sometimes, academic essay writing services or individual ghostwriters set prices that are unaffordable for some [...]

By |2019-05-02T12:18:11-04:00May 2nd, 2019|Personal Finance|0 Comments