Is A Savings Bond Investment A Good Idea?

If you get nervous about investing due to risk factors,  governments savings bond might be for yo. A saving bond is a government security that has a fixed interest rate and matures after a specified period of time. Many people love investing in saving bonds because they are not subject to local or state taxation…

4 Signs You Should Consider Refinancing Your Debt

Consider Refinancing Your Debt

While there is value in using credit cards and availing loans, many people find themselves in large amounts of debt. This is not necessarily a bad thing, especially if you have your finances all sorted out. Combined with proper planning and discipline, you can make your debt repayments without incurring too much cost through interest.…

3 Strategies of Getting Into Lending Shape  

lending shape

When that time comes that you have to secure funds from outside, and that time comes, you need to be prepared with strategies. Whether you want that loan for personal or business use, preparation is essential here. Preparation is critical since you have to convince the lender that not only do you need the amount,…

Here’s How You Can Maximize Your 13th-Month Pay

As the holidays come nearer with each passing day, there is no doubt that you have one thing on your mind: how to spend your 13th-month pay. Most companies provide this benefit to employees depending on their respective contracts. With this holiday bonus mandated by law in the Philippines and select countries in Asia, Latin…

Hurdles to Getting a Bank Loan and How to Overcome Them

bank loan

Rejected! That’s one word no one wants to see or hear in response to a bank loan that they have applied for. It doesn’t matter how well the P.R. guys try to make those words look appealing; they never are. So, what can you do to ensure that your next application won’t have that word…

5 Savvy Ways to Reach Your Financial Goals

Many people fall victim to industry schemes that entice you to invest and become rich. As a matter of fact, individuals often cling to these notions, especially when they feel like all their hard work isn’t exactly allowing them to get closer to their financial goals. While you may feel like you’re on the brink…

Money Management Tips for the 20-Somethings

Whether you’re a fresh graduate or a newly employed individual, chances are you’re still trying to device the right money management plan that best suits your lifestyle. With all the crazy things going, such as finding the right place to live, completing your travel goals, to even catching up to the latest social media trend,…

Here Is What You Can Use Your Personal Loan For

A personal loan is a financial tool that allows you to get the money that you need to do different things in your personal life. A personal loan is different from any other loan, such as an auto loan or mortgage loan, which are all secured loans. Because personal loans are adaptive, borrowers tend to…

Benefits of Paying Student Loans Early

It has become commonplace to graduate with student loans. Many people we see today have student loans weighing so heavily on them that they're afraid to even move out and on their own after graduation. You might be wondering if you can include paying your loan in your debt payment plan or if you can…

4 Important Reasons to Get a Credit Card

Gone are the days when people strictly paid in cash. While cash remains important in many places and sectors, consumers turn to credit cards nowadays. They are likely to make transactions using digital and online means. This encompasses credit cards, which have many qualities validating their use. However, many people are thinking twice with regards…