10 Steps to Financial Freedom

We all want financial freedom, but many times the question is, what exactly are we willing to do to gain such independence. Like most things in life, financial freedom can not be obtained without hard …

Best Ways to Invest your Money for the Long Term

The two things to remember when investing is diversification and cycles. Diversification means investing in different areas to prevent putting all your eggs in one basket. If you put all your money in rental properties, …

Make the most of a Costco Membership

Costco and other so-called box stores not only purchases items at wholesale prices, but do so in volume amounts. This reduces the cost to the store even further, and at least theoretically, to the customer. …

How to Avoid Excessive Student Debt

The majority of students will graduate college with a student loan debt of around $22,000 which becomes reality once the payments fall due six months on. The last thing you want to do is increase …

Investing in Gold and Silver as Opposed to other Investments

It’s been looming for several years now, but the Perfect Storm appears to have made landfall. The evaporating value of the US dollar, trillion-dollar national debt, the substandard mortgage crisis and impending foreclosures, decreasing home …

Investing in Albania despite the Risks

Albania has long been associated with criminal activity and Albanian Mafia activities, with criminal activity focused on international drug trafficking, and illegal trafficking in humans and weapons. Yet on the 29th July the Albanian Prime …

Home Purchase Decisions

Home values have been declining during the 2009-2010 recession, interest rates have declined and most people in the United States have seen their equity decline. Will this trend continue into 2011? The correct answer to …

Losing Weight Helps to Save Money

When you are in the process of losing weight, or doffing some debt, many of the same basic principles apply. Additional weight and additional debt are both negatives that many people are saddled with, and …

Improving Credit Scores

Your credit score is the single most important factor businesses consider when evaluating you for credit purposes. Employers and insurance companies are also interested in gaining insight to your financial solvency. Your credit score is …

How to Simplify your Life as a Retiree

Life can be complicated when you are balancing a career with all the other demands of living. Now people are retiring with the prospect of perhaps a third of their life yet to live. It …

How to Invest outside the Dollar

What can U.S. residents do to protect their hard-earned savings from the ravages of further asset price inflation? The Loonie is worth more than a Greenback? Can there be any stronger statement to show the …

Property Investment in Tivat Montenegro

Anyone considering investing in property in Montenegro for investment opportunities will be drawn to the area of the Adriatic coastline as it offers the best rental returns from the visiting tourists. Although the mountains also …

Survivng a Bankruptcy Filing

Filing for bankruptcy these days has a significant consolation: You’re not in it alone. This is one of the main things to keep in mind in order to survive a filing. Here is a little …

Factors that have Affected the Housing Market

One of the main factors affecting the housing market at this moment of time is obviously the world economic crisis because who but the very rich are going to fork out precious money to invest …

The Real Cost of Groceries

If one does not take the actual and external costs (social, health and economic costs) of food in the modern age, food costs much less now than one hundred years ago.  This is because until …

What you should know about Debt and Compound Interest

Consumers need to know the difference between debt and compound interest, and how their credit score can be negatively affected by these things. Debt is rampant throughout the world, and many credit cards and loans …

Fixed Deposits Ultra Conservative or Prudent Savings Vehicle

There is an inherent difference between savings and investment. Investment vehicles are higher-return capital appreciation while savings are more stable funds with lower returns. Fixed deposits normally reside in the category of savings. The ultimate …

Tips for Avoiding Credit Card Debt

There are many efficient tips for avoiding credit card debt. The use of credit cards has cause many people to become saddled with a ridiculous amount of debt, and no conceivable method of making the …

Advice for Families on Money use

Counselors who work with families know well how important it is for each member to be aware of how to manage money. Too many  have grown up believing in credit cards and debts are now …

Best Places to Buy Property in Albania

When considering buying property in Albania it is assumed that one is looking for an investment property rather than an actual home. Unlike in many other European countries where new properties are built on newly …

Repairing your Credit

Everyone makes mistakes, but a low credit score isn’t a permanent black mark on your record. With time, effort and negotiation, your credit can be repaired. 1. The first step to repairing your credit is …