edisonglow.com » Finance http://edisonglow.com Sat, 04 Sep 2010 00:40:02 +0000 http://wordpress.org/?v=2.6.2 en The world of personal budgets is beyond me http://edisonglow.com/the-world-of-personal-budgets-is-beyond-me/ http://edisonglow.com/the-world-of-personal-budgets-is-beyond-me/#comments Fri, 28 Aug 2009 11:13:56 +0000 admin http://edisonglow.com/?p=148 I’m the first one to admit that I have no idea when it comes to creating a budget. I simply spend what I have at the time, and eat two minute noodles a lot. This was fine when I was younger, and had no one to take care of but myself, but it just doesn’t cut the mustard any more. I met someone who I really like, and if I am going to think about starting a family I need to get my act together.

 

A friend of mine was telling me a while ago about how they mange their budget online and I thought this sounded like a pretty good way to do it – at least it would fit in with my lifestyle. Personal finance software is even more alien to me than making a budget, but your system has proven to be really simple. It has taken the guess work out of my finances, and so far I can see that it will help me plan for my future. With my budget beginning to be under control, then saving for a ring is not beyond me, and I know that I’ll be able to manage with the help of your system – so thanks.

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    ]]>     http://edisonglow.com/the-world-of-personal-budgets-is-beyond-me/feed/     Easy Loans http://edisonglow.com/easy-loans/ http://edisonglow.com/easy-loans/#comments Thu, 27 Aug 2009 11:03:02 +0000 admin http://edisonglow.com/?p=146 Cashtree’s efficient and easy cash advance loan system has become a lifesaver for many of us during these difficult times. With the economic recession banks have become even more stringent in their rules pertaining to issuing loans and even more so for those of us who fall in low income brackets of about $18000 a year.  For people like us Cashtree now offers no fax payday loans without the hassle of long and undue credit checks and days of unnecessary waiting. Making payments for an unexpected expense such as medical or automobile maintenance bills has become extremely easy now thanks to the availability of Quick loans and other similar options available at cashtree. My salary slip is the only guarantee I need or at most a single call to my bank is required for verification purposes. Last but not the least, not everyone can be trusted while borrowing money. People who lend money are usually out there to get you and you ultimately find yourself in a very sticky situation often very difficult to get out of. At cashtree your interests come first- its dedicated team members are ready to help you at all times. All it takes is a phone call!

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      ]]>       http://edisonglow.com/easy-loans/feed/       Personal finance tips http://edisonglow.com/personal-finance-tips/ http://edisonglow.com/personal-finance-tips/#comments Fri, 21 Nov 2008 12:36:37 +0000 admin http://edisonglow.com/?p=5 Everyone wants to hold their hard earned money. But managing one’s personal finance is not easy. Following are some of the tip that might help you dealing with money:

       

      • Keep at least ten percent of your money for your personal use. Remember that you don’t earn only to pay your bills.
      • Save certain amount for future emergencies and don’t touch it unless real emergency occurs.
      • Pay off your credit card payments fist.
      • Fix a budget for the month and try to stick to it.
      • Maintain a spending journal if you have problem determining the expenditure.
      • Avoid borrowing from your retirement plans. Try to keep it as it is.
      • Always try to pay in cash. Avoid paying through credit card. This will lower your interest rate of payment.

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        ]]>         http://edisonglow.com/personal-finance-tips/feed/         Personal finance for teenagers http://edisonglow.com/personal-finance-for-teenagers/ http://edisonglow.com/personal-finance-for-teenagers/#comments Sun, 02 Nov 2008 14:40:03 +0000 admin http://edisonglow.com/?p=8 Many teenagers start working part time or even full time to have their own financial freedom. In this situation they don’t have to beg money from their parents each time they want to go out. But they shall also learn to manage their money. They shall grow the habit of savings and with this they shall be prepared for the huge events of their life.

         

        There ate several problems that the teens face when it comes to their personal finance planning. There are so many things that they want to buy. They try to buy their desirable things with their own money. This might seem exciting but when it comes to monetary involvement, it’s a bad sign. Don’t go for the credit cards impulsively. Always remember that you can buy your own car if you have good savings.

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          ]]>           http://edisonglow.com/personal-finance-for-teenagers/feed/           Car Loan http://edisonglow.com/car-loan/ http://edisonglow.com/car-loan/#comments Mon, 13 Oct 2008 08:39:51 +0000 admin http://edisonglow.com/?p=11 Cars are no longer a luxury for certain sections of society to enjoy but a necessity that everyone requires. However that doesn’t mean they are any more affordable. Purchasing cars can be very draining on the pocket. In such a case car loans can come in very handy. There are many deals available in the market when it comes to car loans. One must be careful however to choose a secure loan that also fits in with the buyers current financial situation and future plans.

           

          Car loans provide you with the money to purchase a car. From your side you will have to show some collateral which is the security in the deal. This will enable you to get the best loans which are a combination of low interest rates and suitable terms of repayment.

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            ]]>             http://edisonglow.com/car-loan/feed/             Car Insurance http://edisonglow.com/car-insurance/ http://edisonglow.com/car-insurance/#comments Wed, 01 Oct 2008 16:47:21 +0000 admin http://edisonglow.com/?p=14 In today’s day and age it is not advisable to take anything for granted. Cars are very expensive possessions and usually very precious to there owners. Hence it is important to protect your car to the best of your ability. Car insurance does just that. In return for some monthly or yearly payment the insurance company covers you car in the event of an accident.

             

            There are number of car insurance policies available. It is advisable to find a comprehensive insurance policy that protects your car in the event of fire, weather damage, animal impact, attempted thief etc. This way your car is well and truly covered. This kind of a policy is available on all sorts of cars, old and new and also sometimes provides additional benefits.

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              ]]>               http://edisonglow.com/car-insurance/feed/               Opt for a Savings Account Now http://edisonglow.com/opt-for-a-savings-account-now/ http://edisonglow.com/opt-for-a-savings-account-now/#comments Mon, 15 Sep 2008 17:47:33 +0000 admin http://edisonglow.com/?p=19 You are the head of a family and you earn a lot but what happens if you suddenly need a lot of money? The sudden need might be anything from medical bill to college education. So far what you earn is redeemed in the running of the family and you were not too keen on saving your hard earned cash for any crisis.

               

              You could have been saved by a “savings account“. You can save a certain portion of your monthly income in a financial institution and earn interest from it. Financial institutions e.g. a bank offer individuals like you to save part of your liquid asset in an account which would be maintained by the bank.  In return you would get a fixed interest on your deposit and get the chance to withdraw it in case of emergency.

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                ]]>                 http://edisonglow.com/opt-for-a-savings-account-now/feed/                 How Real Estate Investment can be Your Asset? http://edisonglow.com/how-real-estate-investment-can-be-your-asset/ http://edisonglow.com/how-real-estate-investment-can-be-your-asset/#comments Wed, 03 Sep 2008 12:48:43 +0000 admin http://edisonglow.com/?p=22 Have you ever thought of how to increase your money by taking the least risk? Surely, at some point or other this thought has crossed your mind. In fact, we all want to increase our savings by taking the least amount of risk. If you invest your money in a savings account that is a good option, however, there are even better options.

                 

                One such option is to invest your hard earned money in buying real estate property. Now you are thinking ‘If I buy a property then how will it help me? In fact, I have to spend a considerable amount to buy the property.’ Yes, what you are thinking is true. However, the value of real estate is not achieved soon. It is a long term proposition. In future you can use the asset as collateral for personal loans or business. Still, you have the option of selling it once you get a favorable price.

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