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Accounting and Tax Guide: Financial Guide (Page 2)


Finding the Best Car Insurance Deal for a Student

The past few years has not been very fair on students and their families. Student maintenance loans have been decreased while student fees have increased. The cost of living has risen across the board and jobs are scarce. Not only that, but EU legislation has seen to it that the cost of car insurance has risen for women in particular and for young people in general. It seems as though it’s never been more financially difficult to be a student. ... [Continue Reading]

Is Debt Settlement a Viable Debt Relief Strategy?

Many Americans are struggling with large amounts of credit card debt. According to NerdWallet the average American household has over $7,000 outstanding on their cards and that amount increases to over $15,000 if you only look at indebted households. Not being able to pay your bills for one month can send you into a bad downward debt spiral that may seem impossible to escape. If you have more debt than you can pay back, debt settlement may be an option to... [Continue Reading]

How to Combat Credit Card Debt

Love them or hate them there is no denying that credit cards have both great pros and difficult cons, but the cons are few if you use your credit card prudently and always remain in control of your debt and repayments. Problems arise when things slip slightly and your debt gets out of control, once you lose your footing it is very difficult to get back on top of this and you could easily fall into a never ending debt cycle. It is important to know... [Continue Reading]

How to Conduct a Job Analysis for Your Business

A Job Description lists the duties and functions of a job title. A Job Analysis comes first and answers different questions. Job Analysis is the process of collecting the information and input used to build the Job Description.  Why need job descriptions?  No matter how small your business, job descriptions are critical for your management.   Descriptions help recruit qualified and capable applicants.  The job... [Continue Reading]

Two Insurance Products you Never Knew Existed

According to recent research conducted by the Association of British Insurers (ABI), financial service providers in the UK are now paying out a staggering £187 million each day to claimants. This represents a huge sum of money, while it also offers a fascinating insight into the diverse and often complex nature of the insurance industry and its individual products. There are a host of insurance products that the majority of consumers are entirely... [Continue Reading]

Is the taxi business for you?

Are you sick of calling up your local taxi firm on a drizzly Saturday night, only to have the line ring constantly engaged? Do you dread getting into the car with a man who persists in chewing your ear off and then charges you for the pleasure of hearing his worldly insights? Maybe following these mishaps, you had a light bulb moment and uncovered a big fat gap in the market. Things to consider Do plenty of research to begin with. What exactly are the... [Continue Reading]

Explaining "Hybrid Debt"

Hybrid debt is used by investors to describe securities that flow back and forth between debt and equity. It is not actually any form of debt at all, it is just a preferred investment instrument used by investors to help businesses expand and grow. (If you are taking any business intelligence courses, this may be discusses in the financial section of the teaching.) Hybrid debt, like any other debt, is used by businesses when investors invest in the... [Continue Reading]

A Guide To Conveyancing

A conveyancer or appropriately licensed solicitor is the person responsible for the legal transfer of the title of properties from one person to another. There are two key stages to the process: the exchanging of contracts, which transfers the ‘equitable title,’ and the completion – at which the ‘legal title’ is passed over. To buy a property, it is essential to ensure that the seller has the full ownership of the property and... [Continue Reading]

Basics of mortgage calculation – Essential steps for you to follow

Doing proper calculations before taking out a mortgage loan is extremely essential. All the calculations will help you to get an idea about how much you can afford to borrow as a home loan. There are interest rates that your lender will charge, processing fees and some other loan related expenses that you’ve to manage as part of your mortgage loan. There are numerous mortgage calculators that you can use to calculate a mortgage and realize... [Continue Reading]

Why Forex Trading Could be your Way to Create an Extra Income

In these austere times more and more people are looking for new ways to make money, for ways to diversify their income streams. Let’s face it, even people who are financially comfortable wouldn’t usually say no to another income stream and one route that is increasingly popular is forex trading. What is forex trading? Forex trading is trading on the foreign exchange market, on the changes in value of different currencies. For people in the... [Continue Reading]

An Introduction to Binary Options

Binary options are increasingly popular financial products, which offer an all or nothing scenario. They are available in a number of different markets, and may be known by alternate names, including digital options or fixed return options. In short, the payoff is either a fixed and particular amount of an asset, or nothing. The term binary does of course refer to the fact that there are only two potential outcomes. There is little uncertainty with binary... [Continue Reading]

Is Your Garden Harming Your Home’s Value?

With the property market showing some signs of making a recovery, more and more people are thinking about selling their homes and moving into something new. Of course, one of the main considerations is the price you get for your current property, which is why homeowners may spend a considerable amount of time ensuring that their house is the best it can be. While there are obvious home improvements that will increase resale value, many people forget about... [Continue Reading]

How Consolidation Can Help You Clear Your Debts

With debt still climbing, interest rates continuing to rise, and wages reaching new lows against the cost of living, it’s no wonder that more people in the UK are struggling with their debts than ever. Debt has become a national epidemic in the UK. The average household has about £5,980 of debt, much of which is also due to personal debt from credit cards, store cards and other debt sources. Living with debt is not only financially difficult,... [Continue Reading]

Finance Management

Obviously, money is a huge part of life. Learning how to manage your money the right way is an important step toward taking control of it. Summer is here (apparently), and it’s not always the preferable option to be managing your finances indoors when you want to be out with family or friends. Though, if anything, it’s worth remembering that in these warm-ish months we tend to spend more on road trips and meals out. It’s harder than you... [Continue Reading]

Financial Management Tools

Everyone likes to think that they’re in control of their finances. But sometimes, financial management isn’t as straightforward as we would like it to be. This is especially true for those of us who are trying to manage complicated budgets; those with families, for example, or people who are looking for ways to invest their money. But thankfully, there are many different tools available online which can help us to manage our finances more... [Continue Reading]

Managing Your Money: Depositing Wisely

When you deposit money into an account, it doesn’t just sit there doing nothing. Instead, your money begins to work for you, accumulating interest and growing over time. How hard your money works, however, is entirely up to you. The type of account or investment opportunity that you choose will have a direct impact upon how well your money performs after it has been deposited. For this reason, it’s important to wise up about how, and where, you... [Continue Reading]

What is the Difference Direct Loan lender or Broker?

When one shops around for loans, it is common to find a large number of advertisers, which listing includes both direct loan lenders and lending brokers. You might never have noticed because all of them use similar advertising to promote payday loans, personal loans, business loans, car loans and more. However, there is a difference between the two when it comes to get the best loans deal. Direct Loan Lenders Although the difference between a direct loan... [Continue Reading]

Financial Choices That Will Hurt Your Future Retirement

In today's uncertain economy people are more focused on the present than the future. This lack of attention to their future financial situation can cause problems later in life. Although you have to focus on the bills and groceries you need today, you should also be focused on how you will afford these things when it is time to retire. No one wants to work forever and many people look forward to the day they can retire. Without proper planning this may not... [Continue Reading]

3 Things to Expect In Your New Credit Card

Use your credit card the right way and it will be one a most valuable financial instrument. Real benefits first start with the right card, one that gives great rewards with reasonable fees. The multitude of credit cards available makes it almost difficult to choose one, but it doesn’t need to be if you know the three main things to look for. 1. Rewards That Match Your Lifestyle Reward credit cards must provide two things; bonuses and the chance... [Continue Reading]