Personal Finance

Buying your first car? Read this post

Buying your first car? Congratulations! This is a great way to gain more independence, and a big first step on the road to adulthood. But there are a few things you need to know before you buy your first car. Ready? Let’s get started: Set a budget One of the hardest parts of buying your first car? Reconciling your dream car with the reality of how much it costs. Cars are expensive, and they’re not an asset- they depreciate the minute you drive them off the lot. There are also many fees to consider at the time of purchase, along with recurring costs like gas, parking, general maintenance, and car insurance. The first step is to set a realistic budget. It’s no fun having a car if you can’t afford to actually go anywhere in that car. Once you know your budget, you can begin looking for cars that are…

Business News and Gaffes from 2017, and what we can learn from them

2017 saw a wave of brand failures, counter-intuitive marketing moves, and image-marring ads make the headlines. Some big brands, attempting to up their game and boost sales, did the direct opposite and hurt their image. The year showed just how reactive and sensitive customers (and the public) can be to offensive-looking branding and advertising ideas. The flurry of bloopers highlighted the need for marketing ideas to go through thorough consultation and have a contingency plan before making it out to the public as more businesses get to grips with the range of platforms on offer. Here are some of the gaffes made by big brands in 2017 that dominated the headlines and social media, and the lessons to learn from them. Uber barked up the wrong tree 2017 was a particularly low year for the taxi company both in the US and UK. In January, Uber made a move that…

How To Make Better Money

Making better money should have been one of your priorities a long time ago. George Bernard Shaw once said: “If at age 20 you are not a Communist then you have no heart. If at age 30 you are not a Capitalist then you have no brains”. When you look back at your life, you can see that somewhere along the way you forgot to give money the centrality it should have had in your existence. It is never too late, however, and if you are now interested in making sure your life is not only enjoyable but also wealthy, then this is as good time as any to start making some changes. The road from rags to riches won’t be an easy one, but if enough effort is put in, you will get there sooner than you think. Here’s a guide on how to make better money. Education It…

4 Times In Your Life When You Might Need A Loan

There are a few reasons why you might want to take out a loan. The loan itself could come in many different forms and depending on what the money’s for you a different loan will suit your needs. Here are a few reasons why you might need to take out a loan and the type of loan you could use. Car If you need to buy a new car, then one of the options available to you is to take out a loan to pay for it. If you can’t pay for the car outright, then you will need to pay for it in some other way. This might mean taking out finance with the car store, manufacturer or through a third party. This will involve making regular monthly payments until you have paid off the cost of the car plus a little interest. This is a popular choice because…

4 Costs of Building a Tiny House

Over the past ten years or so, tiny houses have become quite popular. With cost of living always rising and housing expenses always increasing, people have turned to tiny houses as a way to own their own home and keep their costs low. If you’re thinking about building a tiny house, here are some of the expenses you’ll need to keep in mind. 1.Building materials. This is fairly obvious but still needs to be said because the materials tend to be the most costly part of the process, unless you’re paying for labor. For those doing this themselves, building materials can also be found on the cheap. Find a source for reclaimed wood or see if you can get things from old houses being remodeled. Often times, fixtures that are perfectly fine like light coverings and faucets are being thrown out because they don’t match the new decor. Grab those…

The top tips you need to know if you’re planning a wedding

While planning a wedding is exciting, it can also be a stressful experience- particularly if you’re having a large wedding, you don’t have long to plan, or you have a lot of guests coming from out of town. Here are some top tips to make the whole process easier: Set your budget Money can be difficult to talk about, especially if one person in the relationship earns a lot less than the other, or multiple parents are planning to contribute to the wedding. The best advice? Don’t leave the money conversation until the end. It’s crucial that you have a good understanding of exactly how much before you begin planning and shopping for your wedding. Once you have an idea of your budget, you can sort out your priorities accordingly. Prioritise Most of the time, your budget won’t stretch to every little thing you’ve seen at all those other weddings…

Latest Wedding Trends That Stay On Budget

Photo credit: https://www.pexels.com/photo/adult-beautiful-blur-bouquet-302028/ As 2017 comes to an end and wedding plans for 2018 are emerging, we are finding more couples are watching every detail and staying within budget. This is not an easy thing to do. It takes planning and it takes paying attention to every detail. Small and unexpected expenses can add up quickly. The brides of 2018 are taking quality over quantity. They are being selective about where they get married. If they are planning a destination wedding, they keep the guest’s list as low as possible. They have a larger reception when they return to celebrate with all the friends and family that could not attend. Couples are taking advantage of off-season resort bookings to save money. Some wedding parties are asking for parties of 12-20 people and going via chartered jet. Splitting the expenses and being careful about where you go makes this a luxury…

The History of American Gambling

Gambling has been around us for as long as we can remember. People from all walks of life participate in different forms of gambling. Many people enjoy having a little dabble at the casinos at some stage in their lives, and yet others become far more serious about it. Here’s a few tips to help you gamble responsibly so that you can have loads of fun. Learn from those who have gone before us in the history of gambling. Take a look at how gaming started in America. Set a limit on how much you can afford to spend, and don’t go over it. Also set yourself a time limit. If you win anything, treat it as a bonus. However, be prepared to lose your money, just as you would spend money on a night out. While we’re talking money, only use cash. This is the best way to stay…

Everything You Need to Start a Travel Blog

With female solo travel being more popular than ever, it’s time to set off and see the world. There is no excuse anymore – you don’t have to wait for your friends to finally have the time or the courage to set out and see the world. Instead, you can go on your own. There are so many places to go and see and so many new people to meet; there is an entire network of people who are just like you. Making friends will be easy and the experience will be one of a lifetime. To truly make the most of your times away, however, you should start your very own travel blog. Travel blogs are a great way not only to sit and reflect, but to also keep your friends and family (and any fans you make along the way) in the loop. To get started, follow these…

Gold Trading Strategies

Of everything to invest in, trade in, buy, hoard or sell, gold is right up there at the top. Why? Because it has a long history of being valuable and even more importantly, it’s sexy. In the past, gold has been used to make peace between warring tribes, as a gift to bribe monarchs, to create religious idols, to fashion jewelry and at times it has even been used as currency. In fact, the US dollar was backed by gold up until 1971. Still today, central banks all around the globe have a store of gold to be used in an emergency. It is a volatile commodity, but those who have the patience to study its moves and learn its trends can uncover the high potential involved in trading gold. Watching the Relative Strength Index Gold prices have swung wildly since President Nixon lifted the lid on gold in 1971.…

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