Managing a budget is a critical skill for any business. Budget oversight involves monitoring, controlling, recording expenses, minimising costs, and identifying situations that call for corrective action.
When you are young it is easy to overspend. It took me four years and the help of a nonprofit to walk back out of that hole.
Throughout the world, the American Silver Eagle one-dollar coin is considered the most beautiful. It is the preferred 0.999 silver coin for bullion and for numismatic coin collection.
Are you interested in earning money online but have issues with PayPal or Payoneer? Maybe you've considered accepting bitcoin? If so, there's a world of possibilities open to you.
Robert Lichello's Automatic Investment Management system for timing the stock market is explained in this article with buy/sell examples. Additionally, the system is tested using over 10 years of price history of the S & P Depository Receipt ETF (ticker SPY) and compared to buy and hold strategy.
Looking at the meteoric rise of stocks in the last two months, I often wonder if the stock markets exist on a different planet or galaxy.
If you are struggling to come up with the down payment required to purchase a home, the down payment assistance program may be able to help pay some or all of your down payment or closing costs.
A guide on how to set and achieve SMART financial goals and track your progress. What's keeping you from getting rich?
Need to write a thank-you letter to a scholarship donor but don’t know how to best go about writing it? This article will provide you with ideas on what to write, including sample letters for your reference.
If you are looking for job opportunities in Malaysia or already working here as an expatriate, these list of issues & Q&A on tax law in Malaysia LHDN will help you understand your tax exposure better.
Everyone has to make money. I’ve distilled the wisdom wit, inspiration, and cynicism from the quotes of famous people and swirled it around some of my own thoughts.
Note investing, especially commercial note investing, has risks as well as rewards. Hotel note buyers typically buy both the note and hotel property when purchasing a note. This article provides tips on what to look for when performing due diligence on a hotel note.
What should do when you're really worried that you don't have enough money? Take a deep breath and read these 14 tips for easing financial stress.
Learn simple strategies that can help you get rich by learning to live within your means and taking control of where your money goes. Financial tips with a positive approach that will change the way you think about money and will make good changes happen.
Tax filing deadline is extended to July 15, 2020, due to COVID-19. I used TurboTax 20+ years for my business and personal tax, so I can show you what you need.
The purpose of this article is to clear up some misinformation in regard to debt validation and to provide facts based upon the Fair Debt Collection Practices Act and court rulings.
What is a hedging strategy? How can binary options be used to for a hedged position? Can binary options be used in a hedging strategy?
It's important to have a personal budget and use it as a tool to analyze what happens with your money so you can make the best financial and spending decisions for your situation. Following a budget will benefit your life in remarkable ways by putting you in control of your income and expenses.
An examination of the popular methods for getting out of debt by experts such as Suze Orman, Gail Vaz-Oxlade, Dave Ramsey, and more. Discover which method will work best for you
Having problems making purchases online? Tired of relying on other people to buy things for you? Well now you can do it yourself, with VCpay. This is a guide to setting it all up.
Some are confused over the details on how cheques operate in the banking system. Many are not aware how bank drafts work.
Procedures used to develop a budget, including estimations and identifying priorities and financial resources. The purposes and benefits of developing a budget.
Charlie and Pete talk about investing or gambling in stocks or options. One says it's gambling, the other says it's investing. Read their arguments.
Christmas is supposed to be a time of happiness and magic, but for a struggling single parent, it can seem like another huge obstacle. Read on for tips on affording Christmas on a budget.
Saving money for a major purchase like a car is perfectly possible. There are many ways in which you can save money on a daily basis to reach your goal.
TD Ameritrade offers great educational tools when you have an account with them. Some offer a certificate upon completion with which you can upgrade your account. Read on if you are having difficulty understanding the material on the first quiz.
In less than two years after my bankruptcy, I’ve brought my FICO score up to 730, which is in the ‘good’ range. In this article, I will outline the five simple steps I took to get a good FICO score after bankruptcy.
Receipts a mess? Organize them in 4 simple steps so you find what you need and are ready at tax time.
GCash recently launched GSave, another new feature that can help you create your very own in-app savings account. In this article, you will learn how to open a GSave savings account and how you can deposit using your GCash app.
How to write an effective letter of complaint to a company about an unsatisfactory product or service, one that will produce results! This article contains a step-by-step guide to writing a letter of complaint, sample letters, templates and tips.
Internet banking is an easy way to manage your money. There are a few drawbacks but these are outweighed by the time and money you save.
Market gyrations can make losing trades into winners, but it is extremely uncertain that it will be consistent. Here's my analysis.
Is there really such a thing as insurance against investment loss? In particular, stock loss? You may not believe it but yes, there is such a thing as insurance against investment loss or losses in your stock portfolio.
Having a local bank account really facilitates money-related activities while in a foreign country. Brazilian banks generally require residency status, but there is one simple way to legally open a bank account while visiting Brazil as a tourist.
When you sell option premium, time decay works in your favor. There are other advantages with selling options on futures. I discuss all this in this article.
Stocks have a 50/50 chance of going up or down, so you only have a 50% chance of success. I'll describe non-directional trading strategies that improve odds.
What are the best ways to use an unexpected sum of money? Windfalls are hard to come by, and once you've got your hands on a lump sum, you should plan carefully how to use it, taking care of the most important expenses first.
Selling stock options has been likened to operating your own high tech casino on the internet. Stock options buyers are likened to casino gamblers who lose their bets most of the time. Who wins? You, the option seller!
It doesn't take a lot of money to open an investment account. Start making your money work for you today.
One area we often hate giving to the Lord is our finances, yet the Lord speaks about it frequently in the Bible because he knew we would struggle. Here are some great biblical principles to follow.
This essay examines how Blockchain's security features can be used in various fields besides merely being the underlying technology for cryptocurrency.
Discover different methods of transferring money from PayPal to Skrill. Which strategy is cheap and convenient, and which ones are costly and risky?
BDO, BPI, Metrobank, Landbank and PNB are the biggest banks in the Philippines, the country's Big 5. Each one has its own strengths and own groups or types of loyal clients, so none of the five, to my mind, can claim that it's the most powerful or most popular bank in the country.
This article discusses the steps for withdrawing PayPal funds to BPI (Bank of the Philippine Islands), complete with step-by-step pictures.
This article will walk you through the process of mining for Bitcoins using a GPU and CGMiner. It also explains the process or joining a mining pool to increase the amount of Bitcoin earned.
Here are 5 quick and simple techniques on how to save money each month. Don't waste your spare cash each week on useless things; instead, put it into a money box and set it aside.
Robert Kiyosaki, the financial writer best known for "Rich Dad Poor Dad", is more of a philosopher and motivator than a financial adviser. Learn why his books should not be taken literally.
Tax Clearance is required if you retire, resign, or leave Malaysia for more than 3 months, and for the deceased. So how to apply for a tax clearance letter (TCL) and get your last month's salary ASAP?
Learn all about the differences between flat and progressive taxes. Both types have their pros and their cons and both can be successful if implemented correctly.
The Greeks—delta, gamma, theta, vega, and rho—are five variables that help identify the risks of an option position.
An article that explains the workings of Muslim Banks, Islamic Finance, and financial products. Without charging interest how do these institutions make money?
The cost of purchasing a buy-to-let property may be far more than it appears at first sight. Initially, you will look at the purchase price, closing costs and fees, mortgage payments, and maintenance costs of a property. However, there are a few more things to consider.
GCash is one of the Philippines' leading mobile money services and offers a helping hand in many payments and mobile transactions. In this article, I will show you how easy it is to pay your Meralco bill using your GCash App. Screenshots of each step will be provided along with written instructions.
A detailed analysis of the AIM algorithm when varying the check frequency, % initial investment in equity, and high/low/medium beta ETFs. The concept of internal rate of return is used for comparison.
Investing in OTC stocks is risky business as it is, but if you head to iHub for advice, you may take your investment from risky to suicidal.
Options roll-out gives the options trader the opportunity to add profits to his options trades or create defensive positions to threatened trades.
An article explaining the benefits of identifying and storing copper pennies, whose metallurgic worth outweighs denominational and numismatic (collectible) value.
Money invested in stocks is 100% at risk. I learned strategies to limit risk and improve success while using TD Ameritrade's ThinkOrSwim Platform.
A comprehensive analysis focused on how to use the AIM system to manage a small portfolio of multiple exchange-traded funds. Includes 15+ years of data to perform a detailed empirical analysis.
Being poor can sometimes be advantageous to you on your road to financial success. Learn about the pros of being poor, the cons, and how you can leverage your financial history to becoming financially successful.
Trading decisions can be negatively affected by your feelings. That's why you need to remain objective with planned strategies. Learn how with this review.
Upset and need to make a complaint? Here are some tips on how to negotiate as a consumer, and get the result you want.
Don't get duped when it comes to buying and selling silver bullion. Do it the right way—just like the pros do.
This article discusses 25 prepaid debit card fees and how much you can expect to pay in fees with certain prepaid cards.
My experience with day trading has enlightened me to the risks involved. I discuss crucial techniques that are necessary to understand and stay in the game.
Learn about laws that already have been passed in 30 states that require adult children to pay the bills for aging parents who can't pay their bills themselves.
What are the pros and cons of owning physical gold? This article addresses this question and presents both sides of the issue.
Credit cards are promoted for their convenience. There are downsides to using them, however. Here is a list of reasons why credit cards can be a bad thing.
Learn how to generate extra income by using your computer to mine for Monero. Monero is a popular cryptocurrency that offers many unique advantages over its competitors.
Whether you just cashed in your latest stock options, hit the big jackpot at Las Vegas, or are burning a hole in your pocket with your late uncle’s bequest, here are ten suggestions on how to spend your million.
Learn how to withdraw your PayPal balance into your GCash wallet with zero transaction fees in four easy steps! In this article, we'll go over how to create a GCash account, link it to a PayPal account, transfer funds from one to the other, and use the money in your GCash account to pay bills.
Maven is a publicly-traded content publishing platform for expert journalists. In 2018 they purchased HubPages and other well-established companies. This is my analysis of its stock investment.
A National Insurance number in the UK is as important as an identity card. Without one you are unable to claim benefits or health care. The significance of each part of your NI number is explained here.
The tricks I suggest in this article will give you something to feel good about when telemarketers bother you.
Don't have a credit card but still want to buy products online? Here are ten (often safer) alternatives for you to try!
This article lists step-by-step instructions for conveniently paying your PLDT Home DSL or Fibr bill using your phone and the GCash app. Screenshots of each step are also provided to help guide you through the process visually.
The majority of PayPal payments are instant, but occasionally a payment will come through as a PayPal eCheck. PayPal eChecks are just like normal paper checks in that they typically take three to five business days to clear. Learn more about eChecks here.
For those who are confused or don't have a firm understanding of a question, this guide helps explain Ameritrade's options trading quiz number two. Good luck and have fun!
Read my review of Acorns and decide if it's the best investment strategy for you. Find out how people can actually make money with Acorns and whether it's right for you. There are fees to take into account but it's a good app for first time investors.
This article shows seven months of actual trading in stock options. It illustrates the results in table format for easier viewing. It also includes questions sent in by readers with corresponding answers.
Fiat systems of paper money currency (like nearly all in the world today) have a flaw that makes them, in our time, more volatile. Since our money cannot be exchanged for gold and silver, panic can set in.
Donating plasma can provide over $300 per month to some donors. This article discusses the process of making money by donating plasma, the requirements for donating, and the factors that might disqualify someone from becoming a donor.
Having a hard time figuring out how to withdraw your PayPal money to your own bank account? This is a comprehensive guide to help you out!
SoFi is a private financing company that offers student and personal loans to qualified applicants. Here's my experience getting a loan from them.
When trading stocks on emotion we tend to do the wrong thing. You can improve your results by entering and exiting every trade based on a specific plan.
A brief explanation of stocks and shares and how they work and what their good and bad points are for investors.
Elon Musk, a modern entrepreneur, has created several companies and products that are technological cutting-edge and ambitious to say the least. But does that mean Tesla has a solid future?
According to a February 2020 Forbes article, student loan debt has topped $1.6 trillion. Don't contribute to this heap. There is money for graduate school. Here's how I paid for a master's degree and a PhD.
You filed your taxes online, but you were rejected. You applied for a loan but keep getting denied. Most likely your name or birthdate doesn't match with Social Security records. Here's how to fix it.
Don't sell stocks short in a declining stock or market. There is a better, more profitable, cheaper, safer method by buying put options instead! The potential for large profits is still present but without the potential for unlimited losses as in the case of short selling stocks.
How to remove medical debt collections from your credit and improve your credit score. How to deal with debt collection agencies.
See how an options trader was challenged to prove that trading options alone can and does produce higher stock market returns than investing purely in stocks.
In order to be a master, you must begin with the basics. This article will discuss one of the most basic things to learn when investing or trading in stocks—candlestick patterns.