Money Guide (Page 31)
The Housing Honeymoon is Over
Mortgage rates are rising – but all is not lost for home buyers. It’s often said that all good things must come to an end, and this certainly seems to be the case with the recent period of record low mortgage rates in New Zealand. With all four major Australian owned banks in NZ having raised their long term mortgage rates recently, prospective home buyers look set to suffer a setback in their... ❯❯❯
5 Ways to Stretch Your Holiday Shopping Dollars
During the holidays, we all want to be able to surprise our loved ones with the gifts they truly want and need in order to show them how much we appreciate them all year long. While gift giving can be a great feeling, it can also become a large expense. In order to reduce spending but still give thoughtful gifts, consider these 5 tips that can help you to stretch your holiday shopping dollars... ❯❯❯
Are You Overlooking These Tax Write-Offs?
Reducing your taxes is a top priority for most people who want to ensure they pay as little as possible or get back as big of a refund as they can. One way to reduce your tax liability is to look for write-offs so you can get all of the different deductions and credits that you are eligible for. Unfortunately, some common deductions get missed every year by tax filers. This is why it is so... ❯❯❯
Non Traditional Saving Methods
With interest rates at historical lows many people are turning away from the traditional high street bank for their savings products. Company bonds, smaller banks and peer-to-peer lending are all becoming favoured alternatives among those looking for inflation beating interest rates. But is your money safe there? We investigate. Perhaps the safest alternative is a savings account with a smaller... ❯❯❯
Student Survivial Guide: How to Avoid Debt
Being a student is not easy and within your first year you soon establish the importance of managing your money. Whilst banks offer out interest free overdrafts and grants are often provided to some, it is important to plan and manage your finances throughout the year. While the student loan just about covers rent and a proportion of living expenses, many students have to seek other foundations... ❯❯❯
How to Access Cash Quickly if You’re in a Pinch
Note: This is an advertorial by MYJAR You can never tell when you’re going to find yourself in a pinch. Whether it’s finding yourself in some kind of accident involving great personal injury or your roof caving in at home and needing some rapid-response repair. If you’re in a pinch as a result of the aforementioned scenarios or similar (or worse) you may be asking yourself this question: what... ❯❯❯
Could a Personal Loan Give You Your Dream Wedding?
Planning a dream wedding is a time of happiness for young couples. The problem that many face is finding a financing solution that will make it possible to enjoy the biggest day of their lives. Although many options are available, such as getting help from parents or using credit cards, a wedding loan from Clydesdale Bank is a solution. Benefits of the Loan Although a personal loan is not the... ❯❯❯
6 Tips for Educating Yourself on How to Start Investing
So you want to be an investor? There are tools to aid you in becoming a successful investor through education and life experiences. And nope — you don't need a college degree. Here are six must have investment tips for beginners. Plan, Don't Budget Dr. Don Taylor of Bankrate.com tells investment newbies they should plan, not budget. Of course he's using a play on words here to help you plan... ❯❯❯
Read between the lines before signing a rent agreement
Here are a few essential things that tenants should be aware of before signing on the dotted line What is a rent agreement? A rental / lease agreement is a legal document stating that owner and the tenant agree to follow the rental rules and the deal. Typically, a rent agreement is prepared by the real estate agent hired by the landlord and the tenant. To validate the agreement, both the... ❯❯❯
4 Things to Consider before getting a Personal Loan
Getting a loan is a significant financial decision, and can affect your life for many years to come. Unfortunately, many people end up borrowing too much and facing almost unsurmountable levels of debt, so it’s important to think carefully about your decision before proceeding. Here are 4 important things to consider financially before you get a loan. Why You’re Borrowing Before you go any... ❯❯❯
