So I am trying to figure out how much money I would need to put a down payment on a house. Of course I am not talking about the sort of home you would need if you had a wife and three kids. It is just me by myself, although I was thinking that perhaps if I got a good deal, perhaps I could rent out a room to a suitable tenant. That would fit in with the lean finance plan I have been using to try to save up money. For well over a year I have been focused on saving my money and to that end I have been putting aside a lot of my favorite things. It is pretty hard to keep a girlfriend when you are really trying to not spend any money obviously. [Read more →]
July 6, 2016 Comments Off
My mom has loved shopping at Bed Bath and Beyond for years. The only time I would go there is when I went back home to visit her, because there aren’t any close to where I live. On my last visit there, I noticed that she was looking at some silverware patterns. When I asked her if she was going to get a new set, she told me she will one day. I could tell she was really indecisive though and wanted a new set. When I went home, I searched for Bed Bath and Beyond coupons 2016, knowing that I was going to get her the set that she had looked at.
Since I had no way of getting them unless she was with me, I decided to just order them online and surprise her. [Read more →]
June 14, 2016 Comments Off
As a landscaper, I work a lot of hours. I get up most mornings at 5 AM so that I can be on the road by 7 AM to see my first customer of the day. I often do not finish my work day until 8 PM each night, and I am often tired and have little time left before I need to be in bed again. Making phone calls to some of my customers who don’t pay on time is not something I have time for. I called Professional Recovery Consultants to ask them what can be done about this, and they have been great.
It costs me time and money to have to make a lot of calls to customers. I work on Saturdays and Sundays as well, so I don’t have any free days to chase down customers for past-due payments. [Read more →]
September 30, 2015 Comments Off
For many years, I handled the bookkeeping at my small business. But within a year or so, I decided to hire someone to take over the work from me so that my time would be free to focus on other things instead. She was an accountant who seemed to do great work for me, but at some point, I finally realized that I needed someone with more experience. Someone who could help move my business forward.
I had big goals for my company, and I was pleased to see the growth each year that I hoped to gain. I really enjoyed being able to pay my employees well, give them well deserved raises and let them all know that I hoped to continue running a business that would give them a secured spot within the company for as long as we remained thriving. But I also needed to make sure that the employees that I hired are people who know how to keep up with the growth of our company.
When we were simply a small, start-up businesses, the employee who was hired to do our accounting had no trouble with keeping up with the work. [Read more →]
August 18, 2015 Comments Off
After growing tired of living in rental homes, I decided to set my mind to buying my own place. I was simply tired of being at the mercy of landlords who are looking out for their own interests at all times. A place that I own would mean that I am responsible for all of my decisions concerning my house, and I would not have to beg someone else to do the work around the place. So, I began looking in earnest, and found a place. I decided to go with Morgan Hill mortgage lender to secure my loan. I liked their rates that they gave me. After that, all I had to do was wait for the big closing day to sign the paperwork, and the house was mine.
When my contract ended on the rental home I was in, I was pretty elated to tell the landlord that I was leaving. I had lived in that place for five years, and I had always made sure to pay my rent on time. I kept both the inside and the outside of the entire place clean and well picked up. In fact, I would say that I did better in taking care of everything than many renters do. [Read more →]
August 5, 2015 Comments Off
I was always filing for an extension to do my business taxes. It was tough doing everything we needed to do to run our home business and keep the house running efficiently. Then we had to add meticulous bookkeeping to the list to keep the tax people happy. I was looking at how much it was costing us in man hours to do our own bookkeeping versus what it would cost to have a professional San Jose accounting firm do it for us. We thought we were too small of a business to benefit from having an accountant do anything other than our taxes.
We had a small payroll of five employees of which my wife and I were two of them. So it was only three other people who worked with us in our small cottage industry. We paid a living wage to ourselves and our employees. We provided a good healthcare insurance policy. We stayed small and within our means maximizing our profits to benefit the people we had rather than looking for constant expansion. [Read more →]
July 23, 2015 Comments Off
I knew that I wanted to look into online trading, but I was not sure at first which direction I was going to go with it. There were just so many different options available to me, and I carefully looked at each of my options. I decided that pairs trading was a safe way for me to test the so called waters to see if I liked online trading. What appealed to me the most with this is that it does not matter which way the market is going with this kind of trading.
Most investors and traders only want to see prices going up, but I saw where falling stocks can be an advantage to traders too if they understand what they are doing. I have been following the stock market for many years, so I was not a complete newbie to how everything works. [Read more →]
July 28, 2014 Comments Off
Of course I was always a big coffee drinker, I started out when I was still in high school. At that time I used to stay out way too late at night and then in the morning I would get up and have to go to High School. I had a great girlfriend for a teenaged boy, she never said no to a night out and pretty much wanted to be with me all the time, although that burnt out quickly. At any rate I needed coffee a lot. Now I went and found promotional codes and coupons and got myself one of those really nice coffee makers, although I suppose you can spend a whole lot more mone than the one I got cost. [Read more →]
November 15, 2013 Comments Off
You have bad credit? It’s kind of awful, isn’t it? I’m right there with you. I made some (read: many) mistakes when I was younger. A lot of mistakes. Enough financial mistakes that nearly for a decade in my 20′s I was unable to do anything at all. I couldn’t get a new car. I couldn’t even get a home. I was so stuck because of my poor credit I was forced to do nothing but work and pay cash for nearly everything. Even when I was able to get one of those loans for people with poor credit it wasn’t enough to repair the damage to my credit.
It’s amazing how easy it is to destroy your credit. A couple of bad accounts, an unpaid credit card and suddenly you find your credit score down to 300. [Read more →]
November 26, 2015 Comments Off
I have started to think about whether or not I want to start doing somewhat riskier investments with the potential for higher returns. Of course that does not mean that that I am ready to get involves in stuff that is overly risky. For example the other day this fellow I know was talking about how to choose the right binary options broker, but when you look at it closely this is pretty much straight up gambling. You are betting on one of two outcomes, if you win you get something from it obviously. If you lose, then you lose all of the initial bet. That just is not something that makes me feel good. If I was certain that I would win, then obviously it would be okay. [Read more →]
October 29, 2015 Comments Off
Have you been considering getting yourself one of those cash loans? I feel you. Whenever I have an unexpected debt or really, really want to buy myself that I’ve been wanting my thoughts instantly go to one of those payday loan like places. They seem like such a great idea, don’t they? Personally, I’m all for them. This is assuming that anyone take out a loan understands the legal agreement, the interest rate and has enough money to actually pay back the loan. Some of these places don’t care whether or not the money is actually there to be paid back; that’s not how they make their money.
They can sell debt to credit agencies who will hound individuals through phone calls or even take them to court – something that doesn’t exactly work well, truth be told. [Read more →]
September 28, 2015 Comments Off
A Roth IRA (Individual Retirement Arrangement) is a retirement plan under United States law that is not typically taxed, provided that certain conditions are met under this unique plan. This is the retirement plan that, even at my 31 years of age, I have been told again and against that I need to invest is. Is it the right plan for me? I am what you can consider financially stupid. I have never been someone who has learned how to invest – I have a savings account in which I keep at least three months worth of bills saved up in case the worst should happen but beyond that I honestly do not have a clue as to what I should be doing with my money.
An Individual Retirement Arrangement can be an individual retirement account containing a portfolio of investments in securities, usually common stocks and bonds, often through a mutual fund. The main advantage of this sort of retirement plan is that there are fewer restrictions on the investments that can be made than most other tax advantaged (tax free) plans, which has helped it’s popularity over the years. [Read more →]
September 6, 2015 Comments Off
Each financially obligated individual and business should always be keeping a detailed financial record or at the very least hire a management accountant in Brisbane, in light of the fact that it is essential for gauging the advancement and development of the business. Too, it offers a sense of security should anything ever go awry within the budget. Keeping great records will help you to prepare financial explanations and presentations, appraise any questionable receipts or transactions, ascertain deductible costs, prepare any expense forms, and associate everything to the appropriate federal or government forms in your country. Moreover, if you ever hire a legal advisor, your recording keeping will help you to delegate financial responsibility.
Building up a record keeping infrastructure is vital to guaranteeing your businesses’ financial success. Before progress can be made, there must be a record of exchanges. [Read more →]
August 28, 2015 Comments Off
I am all about saving money. I am a single mother raising two boys, so it is something that is necessary to do if I am going to make my paycheck stretch to cover all of our bills. One of the ways that I do this is by using printable manufacturer coupons at the grocery store. I don’t qualify for any government assistance because I make just a few dollars more than the minimum allowed, so I had to get creative on ways to save money at the store. I did not want my boys eating beans and rice for every meal, and now they have a really nice variety because of the coupons that I use.
I am able to print them at work since I don’t have a computer at home. My boss doesn’t mind because he knows my situation, and I get all of my work done too. His wife also uses coupons, and they are at the other end of the financial spectrum, so it is interesting to see that people of all walks of life use them. [Read more →]
June 7, 2015 Comments Off
Finding the right person to help build your business idea into a successful company is harder than you may at first suppose. Many of us decide to take on a business partner for a variety of reasons; most of which seem valid and justified at the time – even crucial to the successful birth and growth of the business. Few of us have the foresight to pause and consider the long-term implications of our decisions and choices – until it is too late. This is why I began looking into SHEEO after my long time girlfriend suggested that I might find some unique and promising approaches to my business model with their help.
A strategic alliance is a relationship that is formed to increase visibility and generate new business in a more cost effective and efficient manner. These relationships can be as formal or informal as you want. My suggestion is to start exploring these opportunities on an informal basis. It will keep it cost effective and efficient for both parties. [Read more →]
April 13, 2015 Comments Off
It took me many years to figure out what I wanted to do with my life career-wise. I first entered college with the hope of becoming a psychologist. After learning just how crowded that field is, I changed my focus. My dad told me that I should get a finance and business degree in order to apply at Warwick Associates where he works. I had always enjoyed dad sharing stories about his work, so I began to think he had a good point.
First, I went to work with him one day to see what exactly he does in person. It was one thing to hear him talk about it over the years, but quite another to see him in action. We spent a good portion of the day in his office while he pointed out what he was doing on the computer, phone calls, etc. [Read more →]
January 15, 2015 Comments Off
I have started thinking about how to go about getting an internship. I was not sure what sort of one I was looking for, but I happened to check out youtube and I found a couple of videos on the topic. One was by this place called Warwick associates and they were in the Investment Banking business. Of course they were talking about how to impress the people that you were the one they should pick. It is pretty obvious that the internships that are most worth having are going to be the ones that are the toughest to get hold of. [Read more →]
January 15, 2015 Comments Off