Make The Right Decision Regarding Owning Or Renting An Apartment

Purchasing or renting an apartment can be one of the most important life decisions and making it right will go a long way in terms of being contempt with the place you will rest your head every night of your life. A decision of this magnitude should be done with extra care bearing in mind a lot of financial components such as utilities and the amount of money required for maintenance. When it comes to the factors which involve owning an apartment there are a lot of them to take into account and if treated accordingly, one’s life will be a breeze in respect to housing and owning such a p … [Read More...]

Why Are Millennials Struggling with Retirement Savings?

Most of the older generation is of the mindset that millennials don’t know how to save for retirement (or even care), but that’s not 100% true. Gen Y is actually thinking about retirement planning rather early in life: For adults under the age of 30, the biggest retirement fear is that they will run out of money by the time they retire, and many plan to continue working. More than 80% of millennials believe they cannot rely on Social Security to keep them comfortable in retirement. Most believe their retirement will be self-funded, and over 70% started saving for it at an average age … [Read More...]

How Is Gold and Silver Valued?

Whether it is about trading, mining, or recycling metals like silver and gold, it is important to understand how each is valued. Pricing metals is not the same as attaching a value to assets. Valuing silver and gold is something that consumers, miners and exploration companies must know their way around. Where Does the Value of Gold and Silver Come From Anyway Historically, people were challenged to come up with a form of currency. This medium of exchange was supposed to be practical and portable to replace the barter system, which landed them to the choices of metal. Unlike many other … [Read More...]

How to Save Money by Eliminating Debt

Is one of your goals to improve your financial health? If you want to save more money, the first step is getting out of debt. There are many different methods about how to best manage and eliminate debt, and the important thing is to find the one that works for your lifestyle. The best method for eliminating debt is the one you can actually stick to for a long period of time. The easiest way to start is to do a little research to learn about the different types of debt, consolidation and payoff strategies, and budgeting methods. Once you have a good understanding of the options, you can … [Read More...]

6 Expenses You Should Evaluate Every Year

Auto payments have made managing the household budget much easier. But putting everything on autopilot could end up costing you. With new service providers and deals popping up every day, it pays to evaluate certain expenses at least once a year. Gas and Electricity Costs Live in a deregulated energy area? Then you’ll want to check the kilowatt-hour rate of electricity at least once every six months or a few weeks before your contract is up. Electric and gas providers are free to adjust their rates at any time and special deals could help you save. The cost of energy sources such as n … [Read More...]

Explained: Forex and Binary Options Signals

An increasing number of people are beginning to feel attracted towards the idea of trading in certain financial markets. The internet has made trading accessible to anyone who has a laptop or PC and an internet connection. If you find the idea of trading exciting or as a way of carving out financial independence, then all you need to do to start is find yourself a reputable broker. The two most popular markers for new traders are binary options and forex. Binary options An 'option' is a contract that you make with a broker regarding a commodity. You do not actually purchase any of the … [Read More...]

Protect Yourself When Your Insurance May Not

When we make investments, we do so with the expectation that they'll return a financial gain in the future. For instance, we expect that our home will both provide shelter and increase in value. While there are things you can do to increase your chances of this happening, there are also other circumstances that can unexpectedly arise that can cause you to lose substantially. From natural disasters to financial meltdowns and more, you can quickly find yourself picking up the pieces of your investments wondering where things went wrong. While we can't eliminate the unknown, there are things … [Read More...]

Tips To Save Energy At Home

Most energy suppliers offer advice for your home to use the least energy possible. To this end, they ask you some simple questions about your home, its layout, its overall efficiency, lighting, heating and hot water. This will allow you to take concrete measures to reduce CO2 emissions. World energy consumption of households represents 29% of total final energy consumption. Know how energy is distributed throughout your home Half of the energy is swallowed up by heating. Here are some tips for optimal management: During the day, set your thermostat to 19-21 ° C. At night, bring it … [Read More...]

Making Sense of Car Insurance

What Kind of Car Insurance Do You Need? Regardless of the vehicle you drive, you need car insurance. The level and type of insurance purchased should be designed to meet your individual needs. How much you pay for insurance will be determined by many factors including the age and type of your vehicle, your driving record, your age and place of residence, and how many miles you drive annually.   Liability Insurance This type of insurance will cover damages and injuries of another person in the event you are responsible for an accident. The accident is the result of your … [Read More...]

Harald Seiz:  Gold and success — the two go together!

Harald Seiz is the CEO and founder of Karatbars International. He lives and and works in Stuttgart and is able to travel the world to speak about being an independent adviser and entrepeneur. Seiz worked in the financial sector and was successful very early on; in the 1990s his company's revenue reached over EUR 60 million. Since 2011 he has been the leader of Karatbars and has built the foundation from the ground up. The most important thing in his business philosophy is to "provide an effective means of securing financial freedom". As a senior executive, Seiz has been an independent … [Read More...]

Nine Habits of Effective Savers

Saving money is easier for some people than others because they know how to pinch a penny until it screams. You don't have to be a miser to have an emergency store of cash in the bank though. All it takes is copying a few of the habits of highly effective savers. Read on for nine of them that work wonders for building up savings accounts. Involve the Kids Getting your kids involved in the process of saving money helps curb demands for expensive, unnecessary items each time that you head to the store. Give them a small allowance for chores done around the house, and encourage them to … [Read More...]

A Guide to Stockbroking Platforms

If you have been considering a foray into the world of online trading, you are certainly not alone. Every day, countless individuals choose this option over the more traditional (and arguably outdated) forms of investing. We can think of these platforms as the virtual "vehicles" for financial independence and success over time. Much like any type of vehicle, it is important to appreciate the mechanics and accessories that each platform offers in order to properly align yourself towards success. What metrics define an efficient trading system and which qualities should always be analysed before … [Read More...]