Did you know that the average refund distributed during tax season is almost $3,000? Most of the time, that refund will go right into a savings account, but there are other ways to spend a tax refund that can boost your refund for next year, and no, it doesn’t include going on vacation or a...
Bankruptcy is perhaps one of the most severe financial setbacks you can experience, and it can take some time to recover. Credit cards can help you with this but do remember that it’s illegal to apply for one if you are classed as an undischarged bankrupt. What is bankruptcy? The word bankruptcy comes from two...
I’m sure we’re all familiar with the ancient barter trade of times gone by. However, did you know there used to be a very real old currency that was used in trades? Sure it wasn’t the paper and plastic that we have today, but then again with contemporary problems in place with the world economy,...
An online savings account is an important tool to have in your financial arsenal as it can help you be prepared for an emergency expense or unexpected income loss. As well as allow you to save for a holiday, a household purchase, kids’ schooling, or your own dreams, all without having to resort to using...
Are you hopelessly in debt? Have you maxed out your credit cards and feel like you have nowhere to turn to? Is your net worth now in the negative? Don’t despair. There is a way to change your current situation. You can still turn things around and make it better. Let me reveal to you...
Even in these times of economic uncertainty, there are still things that we can rely on – death and taxes. While it might be difficult to think about the fact that death eventually comes to us all and it’s probably best not to dwell on that fact too much, it’s important to face facts and...
If you’re a lawyer and you’re playing it by the book – like we all know that you are – then there are long, seemingly interminable stretches of your life lived in six-minute increments. The ticks of the clock are both a thorn in your side and a nugget of gold in your (or your...
Along with working from home (or a home office) and getting to be your own boss, one of the other advantages of being an SEO consultant or website owner and administrator is that you are classed as self-employed or a sole proprietor, a freelancer or a contractor. Though this brings its own share of headaches...
No one really wants to file for bankruptcy. It’s not fun and it doesn’t feel good to have to admit that you simply don’t have the money to pay your debts. However, even though it may not be an enjoyable experience, it’s also one that is extremely important and which can provide some real and...
A lot of people who find they have no way of repaying their unsecured debts in full face a choice between an IVA (Individual Voluntary Arrangement) and bankruptcy. Both forms of insolvency can help to free struggling borrowers from unmanageable debt problems, but there are key differences between the two that you should understand before...