When it comes to personal finance, busy parents can feel overwhelmed. We offer a wealth of information and informative articles on all aspects of household finance and budgeting. Expert financial planners and advisers combined with real world parents like you mean you get practical and useful advice for a bountiful future.

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Selling your house? Here are some tips to help you sell it quickly

Selling your home can be one of the most stressful things that you engage in, particularly if you need to do so quickly in order to finance the purchase of a home that you will be moving into. Many factors, both which you can control as well as those that may seemingly be beyond your control can pop up and limit your ability to quickly sell it. There are thankfully a number of steps that you can take to overcome these and sell your home quickly and painlessly.

Know the Market and Price Accordingly

Most buyers will do their due diligence given that a home is one of the biggest purchases that they will make over the course of their life. While, if you price your home much over the market value for it, you may eventually find a buyer, it may not be the fast house sale that you think you can otherwise get. If you, instead, price your home according to market value you can sell it quickly and efficiently and move into your next home. Get pricing comparisons and statistics and know how low you may be willing to go before your house is listed so that you can jump on any offers quickly.

Due Your Diligence on Buyers

When someone makes an offer, even if it is in the price range that you want to sell your home for, you should perform some basic due diligence on them and make sure that they are a good fit to buy your home in terms of income levels, credit checks, references, and so on. Even though these are more of a concern for a mortgage company that would be loaning the money to a buyer, if the mortgage company were to balk at financing their purchase, it can possibly set back the sale of your home by quite a significant period of time. Avoid this by getting pre approval letters from those who make an offer and performing some background checks on them as soon as they are getting ready to proceed with the offer.

Staging and Presentation of Your Home Is Important

The look and feel of your home is important on a quick sale. If you have any existing and noticeable problems that may be spotted by a buyer or upon inspection, be proactive and get these problems addressed before you sell your home. Have termite inspections done, broken devices repaired, and the home repainted to neutral colors. While this may result in an initial cost for you as a seller of your home, it will often save you a significant amount of time when you are selling your home as you can avoid the delays that will arise when they spot these issues and then ask you to have the home repaired to get it into condition for them to buy. Staging of your home is important and have it looking fresh and smelling good by a professional home staging company. Addressing these items early and often can eliminate these delays and help you to sell your home much faster than you otherwise would

What is a surety bond? And why do construction companies use it?

The best place to begin when explaining the details of a Surety bond is with a good definition. A Surety bond is a financial tool used to ensure agreeable results and practices are reached and achieved when there are business deals being done within certain industries. There are basically three parties involved with than a Surety bond. There is the principal, the obligator and the issuer. The principal is the business or individual receiving an amount of money. The obligator is the government. And, the issuer is a bond company that takes on a bit of the financial responsibility should the principal fail to perform to expectations.

The simple fact is that every state within the United States has some form of Surety bond in place within its infrastructure. They are a key component that helps keep the GDP and domestic business cash flow flowing between the private and public sector within the US economic system. There are something like a loan, but at the same time they are a regulating tool used largely within the construction industry to make sure that the standards and qualities that citizens are used to living with are in fact a way of life. Surety bonds are something like what the FDIC is to the financial world except for in the business world and somewhat reversed, but the idea is the same. It is all about insurance and security.

As a matter of fact, not only are these Surety bonds effective in their purpose, but in some cases they are absolutely mandatory as regulated standards and practices in businesses especially when dealing with the public and its facilities, services or quality of life. However, in many cases, they are absolutely not necessary and there should be a good amount of research done before endeavoring on certain projects to make sure the matter of facts are absolutely clear on the subject. If in fact they are necessary for a business to exist or perform its duties, then there are companies that help find just the right Surety bond to meet their needs. These companies are necessary, because there are over 50,000 different Surety bonds available within the United States.

If Surety bonds are necessary for a business to operate there are definitely some questions that should be asked to make sure that the best bond is acquired and its requirements are fulfilled. The best aspect to consider with this type of bonds are the four different types that are available. These four different types of bonds are Bid, Payment, Performance and Ancillary. Each one has its own purpose and performs in a different way.

Bid bonds ensure that the bitter has certain monies ready when entering into the bond contract. Payment bonds make sure that issuers and other subcontractors are paid fairly for their performance. Performance bonds focus on the details of actions within a contract to make sure they are met. Ancillary bonds make sure that structures and detail surrounding a contract are met but it do not necessarily have anything to do with details of the contract itself.

What You Need To Know About Default Risk

Default risk is the possibility that a debtor will not be able to repay their principal and interest as per the agreed time. This inability of a borrower to repay their loan in time is also referred to as credit risk. For instance, a company may fail to pay a bond that has reached maturity. Usually, the default risks go high if the borrower has a lot of liabilities and poor cash flow. As such, default risk has a significant impact on the value of the bond. It also helps potential lenders determine if an individual or company deserves to be given a loan. They do an assessment first before deciding on whether to lend money. Default risk can be measured by getting the percentage of bonds expected to default. Those with high default risk are at a higher risk of being denied loans by financial institutions and if they are given, they are charged more interest rates. An investor should also gauge how much they can get in case there is a default and possibly consider hiring a company providing settlement risk solution services in the case that their counterparty does default.

There are four major examples of default risks; strategic default risk, sovereign default risk, orderly default and sovereign strategic default. Strategic default risk is whereby an individual or organization fails to pay their loan yet they are capable of repaying. This mostly happens in situations whereby the creditor cannot make any claims on the borrower and is common with nonrecourse loans. It is purely voluntary and deliberate. For example, a borrower may weigh the benefits of defaulting against paying a mortgage and opt to default. Strategic sovereign default risk is whereby nations or states choose to default repaying their debts regardless of their ability to repay their debts. Whereas a sovereign state takes total control of its affairs and thus is under no obligation to repay its debts, serious consequences may affect the nation such as being secluded by other countries and also they may in future not benefit from other lenders. On the other hand, a sovereign default risk is a refusal or failure by a certain government to repay their creditors in full. They may give reasons behind the default or still remain silent. The last example of default risk is the orderly default. This is a sort of controlled bankruptcy. When a state or organization is going through rough financial times, they may plan an orderly default which is also known as a controlled default. The debtors must, however, plan the default in time to avoid hurting the lenders.

Any financial institution that lends money is at the risk of experiencing default risks. However, it is good to do an analysis of the probability of a default risk occurring and what they can get in return. If there is a high probability of default risk likelihood, they may choose to stay safe and deny any parties that seem untrustworthy or incapable of repaying. Whereas sometimes strategic default may seem to be a good option, it may end up causing adverse effects to the defaulter.

Is investing in HYIPs worth it?

High Yield Invest Programs

HYIP’s are worth the investment as you are investing as a whole into more standard investments. These investments can pay a daily percentage of 1 to 10% weekly and monthly 20 to 200%. There are many questions and skeptical minds regarding these kinds of investments, however, if done with an educated mind, the investments can be well worth your money.


Investing in daily or weekly payouts are the best way to make your investment worth it, especially investing a small amount through several HYIPs. This way, you collect quickly rather than waiting several weeks. Working your around HYIPs can be tricky. Once you get twice your money’s worth for about two to three months’ time, you can then withdraw your participation and wait for a while to participate again, making your investments in the program well worth your while, and your money.
Most HYIP monitors desire their investors to be paid consistently, which again, makes for a way to make money on a quick and consistent basis. Not to mention, these types of programs are well established and their integrity for return on your investment is more of a guarantee rather than a gamble. Doing your research will help you make the decision on the best place to invest, and when you do so, your financial worth will escalate.


Of course as with any investment there is a certain amount of risk. You can avoid this risk if you educate yourself, and do not expect a get rich quick outcome. But again, pulling out your money early will avoid any chance of the program ending without you receiving your original investment, and a return. You should take the risk if you have the means, and taking this step will be a bit less risky if you take advantage of the multitudes of a HYIP monitor site where you can track which High Yield Investments programs which are seriously paying out, and ones that are not.


Even the experts at investing in HYIPs are well aware these programs are worth your money. These are the people who invest into different programs on an almost daily basis, and know how to avoid, recognize, and utilize the programs that are going to give them a good return on their investments. Therefore, listening to these expert investors is well worth your time and money. HYIPs are programs these experts are investing in, doing things in a very timely manner, pulling out their money before the program reaches its shelf-life, therefore, making that quick money all of us are seeking. The experts know that beyond a doubt there is money to be made in investing in an HYIP, and quick money as well. If the expert investor claims this kind of investment is worth it, then we should follow suit when seeking that place where our money can turn around swiftly.

Financial Freedom

Investing in HYIPs may not give you a lifetime of financial freedom, however it can give you a very quick bit of freedom, making your decision very much worth it.

Financial concept: Market timing explained

There are many different strategies that can be effective for traders. Some readers rely on fundamental analysis of stocks and other investments while others will perform technical analysis. There is no one right way to trade as different strategies can be appropriate for different traders and more or less effective at different times. Understanding the different trading methodologies is important as market conditions are always changing. This article will explain what market timing is and why it is an effective way to trade for some.

What is Market Timing?

Market timing involves identifying the opportune time in which you should purchase a stock or other investment. Market timing attempts to buy low and sell high which in theory makes perfect sense but in actuality is incredibly difficult to implement. After all, you never can truly understand when a stock position is high or lower other than based on historical trends and waiting to buy and sell positions can leave you missing the boat or holding on too long.

Challenges of Market Timing

While market timing using historical trends can be a useful tool for understanding how a stock or investment has traditionally traded, it is no guarantee of future performance. In addition, predicting future events can be challenging and impossible to implement in reality. While predicting market events that impact businesses is tough enough, it is even harder to predict the response to them. An example of this is earnings. While stocks release earnings reports quarterly, a bad quarter or year may adversely lead to a stock increase based on some off comment by a market observer or management. It can be unpredictable to try to time the market though this strategy has many adherents who actively push market timing and earn significant amounts of money while doing so.

How Market Timing Often Works

Adherents of market timing using certain tools to attempt to time moves in stocks and to buy at effective prices. One tool is region analysis which lets a market observer time a trade. Regression analysis shows the historical movement of a stock and the likely course of the stock in the future and will show when a stock becomes far off of the path of its historical trend. When a stock is trading below its traditional regression line than it is likely to rebound, while when it trades above the regression line it is likely to decrease to the mean. Of course, breakouts can occur in either direction which can redefine the trend of the stock either way. Some who believe in market timing will decide to combine regression analysis with volume analysis and will track how many shares of each stock trade with the market trend. If a significant amount of stock trades with a large volume move in one direction or another then it is likely that the stock will be exhausted or move back to its mean sooner rather than later.

Effectiveness of Market Timing

Many people call these strategies for market timing part of technical analysis of stocks. As a tool, they are useful for understanding when to buy or sell a stock, but other factors will obviously play a hand in deciding when to buy or sell a stock as well.

Overview of an unsecured business loan

An unsecured business loan may be the answer when you need funds for renovations, expansion, or working capital. Perhaps you need to make a purchase, such as equipment, that is important to your business. This is one way of getting the money without the need to put up collateral. Potential lenders look at your credit rating to decide whether to loan you the money. They will also look at your income so be prepared to provide tax returns and bank statements. The potential lender will want to make certain you have enough income to repay the loan. The amount that you must pay out to creditors each month will be compared to the amount of your income. This is called debt-to-income ratio. Most lenders like for this amount to be approximately 35% although some will allow it be higher.

How Does an Unsecured Business Loan Work?

Although an unsecured business loan does not require collateral, it does work similarly to a typical loan. There will be a certain amount of time specified to repay the loan. Unlike mortgage or vehicle loans that allow the lender to foreclose or repossess property put up to secure the loan, an unsecured loan is based on the borrower’s ability to pay back the amount borrowed. The interest rate may be somewhat higher than a secured loan. This is because no collateral is required, and the risk for the lender is somewhat higher. It is not always higher, depending on the credit rating of the borrower. There is often a fee that is charged to set up the loan. This fee can be rolled into the loan so it does not have to be paid in advance.

Advantages of an Unsecured Business Loan

There are several advantages to an unsecured business loan. The money received will allow a business to have the capital needed for operations. It frees up money the company may need to make investments to help the business grow. The loan can also be used for improvements that will help the business in the long run by adding value. Another advantage includes access to higher amounts than a secured loan offers. A secured loan will be limited to the value of the collateral and an unsecured loan is not.

This type of loan is often easier to get because it is not necessary to have an appraisal, and the long wait for a loan application to be approved is reduced. An unsecured loan can help if you need to obtain a secured loan for your business. When payments are made on time and the loan is repaid as agreed, this establishes your business as a good credit risk. If it becomes necessary to get a secured loan, this is one of the first things a bank or loan company will consider.

Perhaps one of the most advantageous aspects of an unsecured loan is that in the event you are unable to repay the loan, the lender cannot take your business or your personal assets. Of course, this can affect your credit rating and make it more difficult to get a loan when it is needed.

Make sure to check out the Podcast below as well:

How to apply for a loan 101

Borrowing money can be a complicated task, and a task in which mistakes are costly. Additionally, these mistakes in many cases can cause the loan to be rejected. When considering getting a loan, it is necessary to learn what to expect, and preparation is key to the process. However, the first step is to familiarize oneself with what is necessary to get a positive outcome. Loans are given dependent upon the plans for the proceeds.




Auto loans are obviously designated for purchasing a vehicle, and mortgage loans including second mortgages are borrowed to purchase a home or against the acquired equity. Business loans are for business concerns and student loans finance all types of educational needs, and any uses beyond the designated usage can cause the loan to be discontinued or the loan rejected outright. So utilizing a loan that matches the appropriate need improves chances of getting approved greatly.


1st Move


The first decision is to decide where to borrow, and many people do not shop the rates at different lending outlets. Depending on the loan, the choices may be limited especially in business and student loans, so the search should start at institutions that are known for lending on affordable terms. In the case of student loans, utilize the intended school’s Student Aid office for loan options that exist there before trying a bank in order to garner a student loan.




If this is not successful, a bank or a credit union maybe the next place to shop loans, but a person seeking a loan should check with multiple lending institutions in order to compare interest and other inherent costs. Even peer-to-peer loans and other lending sources are an option, and there are certain websites that presents the user with multiple lenders competing for their business. Borrowing online is an option, but it is best to use only sites that are deemed reputable, and it is important to avoid predatory lenders and loans with poor terms like payday loans.




Good credit is necessary to get a loan in most cases, and this is the most important evidence that there is a history of being accepted for and successfully repaying loans according to the given terms. If a person is just starting put or have successfully repaired their credit, borrowing can still be an option, but the terms for these loans will be moderately higher and more restrictive than they are for people that have built a good or great credit rating. However, once a strong credit history has been obtained, lending entities will begin lending at better rates. When a person does receive a favorable offer, they should understand how the loan works, and this means understanding the terms of repayment, interest costs and even the payoff.

5 Tips for Investing In Gold Bars

Those who invest in gold coins will no doubt know about gold bars. The main reason some choose to buy gold bars instead is that it is less bulky. They also tend to be less pricey than the gold coins. Everything typically remains the same.

Here are 5 Ways to Invest in Gold Bars More Fruitfully

1) Stick with the North American bars. Bars like Canadian Maple Leaf and American Eagle are your better options. These are going to be easier to buy and sell later on. The gold content is between 22-24 karat U.S. Mint.

2) Every buyer needs to compare and contrast the prices before they buy. Do not just take the first seller who comes along with an offer. There is always going to be someone who offers a better deal. Buyers need to make sure the seller is not trying to gauge them on a gold bar offer. Gold bars are a rare commodity. There are many people interested in buying them up, especially in today’s economy.

See if you can talk the person into a deal. You will get some sellers of gold bars who do not waiver on their items. Their asking price remains the same. Get a feeling for the seller first. Once your instincts kick in, you will know what to do. Here’s a good rule of thumb to follow. You should never pay more than 5% premium on your gold or gold bars.

3) Buyers should avoid getting into the rare gold bars. Some of you may have a professional to look them over. This is okay. Those of you who do not have a professional in your back pocket, you should avoid the rare ones.

4) Find out the buyback policy from the person before you buy your gold bars. Some dealers will have a good buyback policy. Some will not. You do not want to get stuck in bad situation. Once a deal is done, it is done. This does not work out well for those of you who bought a fake gold bar. Make sure the dealer is on the up-and-up before you invest the money.

5) There are scams going around with gold bars. I suggest doing your own research before you buy something. You need to know what a real gold bar looks like versus a fake one. Some dealers will try to pass off a fake one as a real one. These are the ones you want to avoid.

Some dealers will try to pressure you into buying. Do not allow yourself to be pressured in any way. 9 times out of ten, these people are selling knockoffs of real gold bars. Know what real gold bars are, how much they are worth and what you should be paying before you buy.





Top 5 Reasons why Real Estate is still a good investment opportunity

Boom and Bust

Mention the words real estate investment, and there is a good chance some people may get the jitters. This is only natural considering the recession of 2008 and all the nasty fallouts from it, only recently settled down. To be fair, the real estate business is like any other business, it goes through a boom and bust cycle. There are many reasons for this. Therefore, just concentrating on a few negative reasons and staying away from it is not a good idea. There is even a term for this in the world of business, and it’s called a recency bias.

Even in a bust cycle, there are plenty of opportunities. For example, in the bust of 2008, there were a lot of investors who took advantage of Texas real estate investment and its lower prices, bought property, and then waited for the gains that followed and sold. In some cases, realtors were making a 200% gain! So, in a way, you could say there never is a bad time as far as real estate transactions go, as long as you do your due diligence.


We’ve all heard the popular expression realtors like to use “location, location, location” when it comes to buying a house. Besides the obvious reason, such as not building a house next to a smelly recycling plant, there are other geographic reasons to consider. One of the best examples of finding the right location would be a city that is experiencing fast growth. Identifying a city that is increasing in its population mass, is one of the best ways to find a booming market. Within the city, there will obviously be areas that are better than others, such as beautiful geographic locations, school districts etc.

Top Five Reasons for Real Estates Popularity

One of the main reasons why real estate investing is popular is because of its tangibility. Unlike many other forms of investment, housing prices are not changing every day depending on the mood of the media. Therefore, in the US, or anywhere for that matter, one of the most popular investments is real estate development.

The next reason for real estate investments popularity is leverage. If you or your company has good credit, then banks are willing to back you on your investment. This is in part because banks also see the long-term value in a good real estate investment.

The third reason on the list is that real estate prices are the lowest they have been. Ever since the crash of 2008, people have been taking advantage of all the foreclosures. The benefits of all this for you is that you can buy low and sell high.

The fact is that real estate has always been a good long term investment. In fact, real estate prices have only gotten better in the past few decades, despite any economic downturn. And if there are any apartments or housing with tenants, then that’s just an added layer of security.

Last but not least, eying the immigrant population has been a popular way to do real estate speculation. In fact, most of the major cities in the US for example, are buying and building with the wealthy immigrant in mind. This may be a recent trend, never the less it is shaping up to be an extremely lucrative business.




Identity Theft

Identity theft is something absolutely no one wants to deal with. It can swiftly deal a harsh blow to your finances and your life in general. Luckily, there is a means to stop identity theft in its tracks. Learn to employ identity theft protection best practices immediately.

Understand Identity Theft

Identity theft is when someone steals your personal and financial information. They then use this new information to “assume your identity.” The information they’ve stolen allows them to make transactions or purchases under your name and often with your money.


There are three primary methods of identity theft. First is the old school way. Thieves look for print information such as bank or credit card statements. These documents are often found by sifting through the trash.

The second method of identity theft is more high tech. Thieves use a number of technologies to digitally steal your identity. These often utilize the Internet, such as hacking corporate databases or sending out computer viruses.

The third method of identity theft is fraud. Thieves pose as your financial institution, credit card company, government agency, or another reputable institution. They’ll call or email you in an attempt to get you to give them your personal information.

Prevent Identity Theft

Everyone is at risk for identity theft. In fact, it’s a crime where many victims are initially unaware that a crime has even been committed. A few of the best ways to prevent identity theft yourself include:

  • Don’t carry your social security card. Only give out your SSN when absolutely necessary.
  • Don’t give anyone your personal information over the phone or email.
  • Shield keypad of computer when typing passwords and ATMs when typing pin.
  • Shred any information that contains personal or financial information. Examples include receipts, account statements, and credit card offers.
  • Ensure your computer is up to date with the best virus detection software. Install a firewall for additional protection.

Another key way to stop identity theft in its tracks is by checking your credit report on a regular basis. Every American is guaranteed a free annual credit report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) every year. Review them for accounts with creditors you didn’t open.

Establish a Recovery Plan

Unfortunately, identity theft happens even to those that use identity theft prevention best practices. If you notice suspicious activity that hints towards identity theft, report it to the Federal Trade Commission and your local police department immediately. You can also use the help of an identity theft recovery service to resolve issues with banks, credit card companies, and other institution involved in the theft.

It goes without saying that no one wants to be the victim of identity theft. So incorporate the identity theft prevention best practices discussed above to ensure that your identity remains safe and sound for good.

What Our Site Offers To You

When it comes to personal finance, busy parents can feel overwhelmed. We offer a wealth of information and informative articles on all aspects of household finance and budgeting. Expert financial planners and advisers combined with real world parents like you mean you get practical and useful advice for a bountiful future.

Here are some of the topics you will find extensively covered on our site that are the most relevant to families.

Benefits Of Our Site

On our site, you will find no-nonsense articles on the following topics and much more. Our site is constantly putting up new information to keep you in the know about all things family finance.


Owning your home can be a reality if you are a little bit savvy on rates and types of mortgages. Don’t sign anything until you know what is available to you. Refinancing could save you thousands of dollars and lower your monthly payment.


Creating a budget is helpful for families and makes it easier to achieve long-term financial goals. Our articles will help you create a basic or very detailed budget depending on your needs and goals. Budgets can and should change over time as you and your children age.


At some point, you will likely want to retire. The earlier you begin planning for retirement, the more likely it is that you can have a comfortable one. Without a good plan, you may have to work longer than you would like to.

Long Term Care And Life Insurance

The world of insurance is a lot more complicated than you might think. Knowing the different types of policies and when you should lock in a good rate can add to your financial portfolio and ensure that you don’t find yourself paying very high rates later in life.

untitled-1Planning For College And Child Care

Starting a family is a beautiful thing, but it is not free. Adding to your family means you need to plan for child care and college expenses for the long term. We offer tips and advice to get your family off to a great start.

What You Won’t Find Here

Our site doesn’t have advice that is unrealistic for a lot of people. You won’t find articles that explain how to get rich quick or that try to get you involved with scams.

Planning Your Future Today

Having even a small plan for your finances can offer peace of mind and added security. Financial success means being smart about how your money is spent and thinking about the long and short-term benefits of any investment before taking the plunge.

There is a lot of sites boasting financial advice out there. You need a site that combines reputable articles into one place so you get not just any old advice but the good advice you can use.

Staying Up To Date=Cash In Your Pocket

Financial times and opportunities can change quickly. Be sure to look back at our site regularly for the most up to date news in the world of finance. No matter what your financial situation, it always pays to be informed. There may be good investment opportunities or financial restructuring that can offer you tax savings and allow you to invest in the long term future of your children.

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