5 Criteria That Banks And Lenders Use To Assess Borrowers

Most people have a good feeling what is wrong when they get declined for a loan. But it can be a total shock if you get refused a loan when you have always been a good boy in terms of debt payments. You pay you credit card bills in full in a timely manner each month like…

Learn Your Personal Financial Position With These 5 Ratios

Many people take simple and extreme measures to steer their financial situations away from trouble or towards wealth. But most of us don’t even know what the goal is. If you are already in the midst of a new direction, you might not even know if real progress has been made.

The problem is that little or no…

5 Costs Of Destroying Your Own Credit

When people realize that they have bad credit, many feel that they have been victimized. It makes sense that they have been the victims of late payments, loan defaults, unpaid credit card bills, and debt settlements. Just that are the ones who had victimized themselves.

The truth is that nobody can force anyone to borrow money. And when…

5 Tips To Catch Up With Retirement Financial Goals

Even the most perfectly flawless financial plan needs strict discipline to achieve. At some point ,you might realize that you have fallen far short of your financial targets in regards to your retirement. So how are you going to retire as planned when the numbers don’t allow you to do so.

Don’t lose hope. Here are some things…

Emergency Cash Reserves – How Much Should You Keep?

How much money to keep as your emergency funds is another one of those questions where the answer will frustrate many. Because the answer starts with “it depends…”

Nobody knows for sure what the future holds. This is why even veteran and savvy investors keep a healthy cash reserve in cash of emergency situations. The pragmatic way to…

4 Big Goals To Prioritize For Your Savings

It is like listening to a broken record to hear financial planning experts talking about saving money. And the overused term being used to make saving money a priority is the good old boring “for a rainy day”. It is the type of answer that goes into the “it depends” category. The type of answer that can…