Money Guide (Page 34)
How to Ask Your Boss for a Raise
You work hard, and you’re good at what you do. But you feel like you’re not quite earning what you ought to. The effort, time, and attention you put into your job are not being reflected in your salary, and something needs to change. In other words, it’s about time for a raise––but, of course, because your boss is not forthcoming with it, you are going to have to be the one to initiate the... ❯❯❯
How to get Cheap Health Insurance Quotes
No doubt a good insurance policy takes a lot of money out of your pocket. But if you take some precautions, you can find health insurance at reasonable price. In this post, I will provide some useful tips on how to get cheap health insurance quotes. Do not take the prescription benefit One of the easiest methods to get cheap health insurance is to exclude the prescription benefit. This means that... ❯❯❯
Are Prepaid Cards Expensive And Dangerous?
Prepaid cards have taken the finance world by storm. While, in the USA, some TV stars have begun issuing prepaid cards under their own name, the UK has seen a rapid rise of prepaid card use in relation to credit cards. The reason for this development isn't hard to understand: Simply put, customers with a bad credit rating are increasingly finding it impossible to get a regular credit card. Since... ❯❯❯
How to Make a Smart Grocery Budget
Whether you're frugal or simply want to know where your money goes, having a grocery budget is essential. While feeding your family is essential, it can be done on a budget to help you keep expenses down in order to grow your savings. Most people don't know how to create a grocery budget. Instead, they simply go to the grocery store, throw a bunch of stuff in their cart and pay whatever the... ❯❯❯
Advice for New Stock Market Investors
While some novice investors spend long hours pouring over individual stocks to find the best opportunity, many financial advisors suggest that starting a portfolio with individual stocks is a rookie mistake. If your portfolio is not established, you run the risk of losing everything if your single stock fails. Instead, it is suggested that new investors select low-cost mutual funds. Mutual funds... ❯❯❯
10 Things Your Bank Won't Tell You
Dealing with your bank can be a frustrating experience. Unfortunately, you need someplace to stash your money. You also will have a hard time getting a loan without a bank to facilitate one. When dealing with your bank, here are 10 things that they will not tell you. Some of these items may surprise you. 1. Customer Service Isn't A PriorityMost banks have cut back on customer service staff since... ❯❯❯
10 Ways to Save Money on Monthly Bills
1. Auto Insurance If you drive less than 2 hours per day, most insurance companies will give you a discount on your policy premium. If you have someone in your family that occasionally is allowed to drive your car, you do not have to add them, by name, to your policy either. 2. Auto Insurance - Pt 2 Ask your insurance company if your policy has "permissive use coverage" as part of the policy.... ❯❯❯
Retirement Savings: Should You Opt for a Pension or a Lump Sum
Let’s say you’ve been working for around 20 to 30 years and are finally reaching your retirement age. Now you have a big decision to make – should you opt for pension or a lump sum? In most cases, pension plans give workers the choice to either opt to take a lump sum from time to time, or monthly check payments throughout their lives from then onwards. Most workers prefer to choose lump sum... ❯❯❯
Time To Be Open With Our Children About Saving
Recent research from the Bank of Cyprus has revealed that around half of all UK parents looking to open a Junior ISA for their child are also planning to keep that account secret, or withhold information about it. It’s understandable that some parents are worried about what will happen to the money that they painstakingly invested for their children over the course of 18 years. The worry stems... ❯❯❯
Strategies for Saving Money in a Divorce
Divorce is currently on the rise nationwide. Sometimes couples simply have to end their relationship for various reasons. In addition, an expensive divorce can have a profound impact on a person’s financial status. Both partners can save money as the financial, legal, and emotional issues of divorce approach. An average American divorce costs range from $14,000 to $30,000. Here are some strategies... ❯❯❯
