When going through drawn out and emotionally draining legal proceedings it is vital that your legal representation understands your needs and wishes.It’s helpful to consider some basic questions about the kind of divorce services you are looking for and the degree of involvement you want in the process. Your Involvement Consider how much you want to be involved in the process. Do you want to be pouring over the legalese or would you prefer to leave all that to lawyer. How in control do you want to be? A really experienced lawyer will obviously cost more; would you be happy...
The city of London is one of the biggest cultural hotspots in the whole of Britain, with a veritable feast of activity and sightseeing to satisfy natives and tourists alike. However, being such a tourist hub it can often prove expensive to have an enjoyable and affordable day, or days, out in London. Despite this there are many cost effective solutions which allow one to have an affordable visit to London, whilst also being able to enjoy the true London experience. Many of these are listed below. Travelling in London: The cheapest and most efficient way of travelling around London...
Preparing yourself for what happens later in life is important. You can’t be too sure about what’s around the corner, so having something for you and your loved ones to fall back on in extreme circumstances. Building up savings in your bank account could help with that, but a better way to guard your loved ones against future financial instability is to take out a life insurance policy. As a visit to lifeinsurance.org.uk will prove, life insurance is important, but why should you have it? It helps to pay for funeral costs – when someone dies, one of the first...
When it comes to studying, it seems there is no way around leading an expensive lifestyle. Even if you are fairly thrifty with your money, if you are studying full time, you will always need help with your finances. Luckily though, there are government guidelines put in place that mean the money you lend while you are studying will, more likely than not, be the best loan you will ever take out. But try to remember, it is still debt. Once you have graduated, you will need to start paying it back, but don’t let it get you down, internet...
Preparing for retirement can be one of the most daunting tasks we ever undertake in our lives. How are you supposed to set aside enough money to last from when you retire for the rest of your life? There are actually many products available that you can use to help secure a vibrant future! When you have finally saved what you think is enough for retirement, you do not want to worry about the upward and downward movements of the stock market. Some retirement plans or pension plans organized through your employer will invest in an annuity. The annuity will...
Now days when you go to start doing something new that you do not have real any knowledge doing you sometimes resort to Google searches. Don’t worry we have all done it and it is the beauty of the technology age. Having technology at our finger tips is something that you need to get used to because it is not going away, so the only thing we can do is to harness it. You think it is a great idea to start trading and you have heard from a neighbor that their company may be involved in exchange traded commodities...
Applying to study for an MBA (Master of Business Administration) degree can be a wonderful opportunity and a great investment in your future career. However it is also a big decision to make, as MBAs are usually expensive and time consuming. There are a number of things you should know before you take the plunge. This article will help you with what to consider before pursuing an MBA degree. Before applying to study for an MBA you should consider that these qualifications can be very expensive. Depending on where you choose to study will affect how expensive the course will...
Chances are that nice television hanging in your entertainment room was not made in America. During my MBA program I took some courses that focused on the globalization of the world economy. There are many advantages to a global economy such as the free flow of capital and technology from one country to another helps with industrialization which in turn increases the global investment. Pre shipment finance may have been used to bring that beautiful 52 inch LED Flat Panel to a store near me. Sometimes the term may be referred to as packing credit. A manufacturer of televisions may...
Why do we set goals? We set goals so that we can have something to work towards. It helps us to have an end in sight. All too often in life we work and work and we do not have an end goal in mind. It might be retirement; it might be a new jet ski, or a new set of golf clubs. Whatever it is having a goal gives us something to work for. When there is a “reward” at the end the process to get there can feel worthwhile. Obviously these that I mentioned are financial related hence...
The harsh realities of the job market can halt anyone in their tracks. We never want to receive that dreaded rejection letter but in reality they just didn’t feel that you were a fit for their organization. Good or bad try to make the best out of it, there are other jobs out there that may better suited to your talents. The long and short of it from this post is because recently I applied to a position that I did not receive the job. Some could say that it bruised the ego a bit, but it is a business...
If you have been a loyal reader for some time now you probably have looked through the archives. One of my first posts was on marketing yourself with a magnificent resume. We have all had that first job with the cookie cutter resume that we got online somewhere. It seems like every day there is a new article about new buzzwords to include or not include on a resume. Or maybe an article about top tips from a hiring manager for a Fortune 500 company. How much do I charge? Regardless whatever the reason, there is someone out there trying...
An emergency may be unexpected, but it is not necessarily unforeseeable. If you’re not planning for life’s emergencies ahead of time, you may end up turning to short term loans as your only way to finance them. However, there are other ways to stash away emergency cash for when life hand’s you one of its little emergencies. Medical Expenses Health insurance is one way to plan for medical problems you can’t predict, but are due to happen. To plan even further to pay for co-pays and the deductible, you can also set up a flexible spending account with your company....
As long as you pay off your balance, using a rewards credit card for everyday purchases is a smart money move, but there are a few tricks to stack additional savings on top of the credit card rewards you are already earning. Use these 4simple tips to get the most possible cash back rewards when buying what you need: 1. Shop online whenever possible. Here are just a few of the many reasons why: The electronic cart helps you stay in your budget Less temptation at checkout for impulse buys No pressure from the sales staff Ability to use online...
Financial spreading is an area of interest to a lot of people, who are keen to increase their income by speculating on financial markets. However, many people lack the confidence that comes with understanding, to immerse themselves into this type of trading. Here we will take a look at 5 points that you should be aware of, in relation to financial spread betting. Hopefully, this will give you a greater knowledge of this practice, and maybe you will even invest to try and turn a profit. But before you do, read on. 1) You can trade tax-free If you gain...
Welcome to the Festival of Frugality Milton Friedman edition. While working in the field of finance/economics we become cognizant of others who have made an impact in our line of work. Milton Friedman was born this day in 1912. He was an economic advisor to Ronald Reagan and his monetary theory influenced the Federal Reserves response to the global financial crisis. He was named by The Economist as the most influential economist of the second half of the 20th Century. If you are bored Google his name there is a great deal that he contributed to modern day monetary policy...
Whether or not you were raised with a solid education in finance and economics, one thing is for sure, you probably want to raise your kids with some understanding of money management. Here are just a few simple lessons parents can teach their kids – whether children or teens – about money before financial independence is reached. Work hard for your money.It’s important to teach your kids that money is earned, not simply deserved.To be willing to work for what you want, whether it be doing chores to earn their allowance, or getting a part-time job for some spending money...
There are three key financial elements to remember when purchasing a property. These are crucial, to ensure that investors get a property to suit their lifestyle, and something within their budget. The process of purchasing a home varies slightly, depending upon whether the investor lives in England and Wales or Scotland. Borrowing Estimate Before looking at property for sale at Zoopla.co.uk or similar sites, it’s important to speak with a mortgage advisor. They will calculate the size of the deposit, how much the investor earns and their credit rating. Then work out a maximum loan amount. Gone are the days...
It’s never too late, even if I say it will be alright, still I hear you say…sorry I was singing the song Never Too Late by Three Days Grace. Well here it is…welcome to the 12th edition of the Financial Simplicity Carnival. Thank you to Nick at Step Away From The Mall for starting this great carnival with some of the best bloggers from around the world! This is my second time hosting a carnival and I am super stoked at hosting this week’s carnival so without further ado here are this week’s editor picks: Glen Craig presents Education: Your...
Well I didn’t either so keep reading and you will find out. Lately I have been thinking a lot about where I would like this blog to go in the future. I have drawn out plans as to how I see it in the future. While not working on the site in the past few days I have been deep in thought. I conducted an interview for a newspaper and I have been busy at work. This time of the year is especially busy in hospital finance. Each year as the financial audits are coming to a close, the reimbursement...
One of the first posts I wrote about was writing a magnificent resume. If you work hard for your credentials you certainly want to flaunt them and I fully support that, but I do not support falsifying your credentials. Take a look at what is going on with the current Yahoo CEO. The Yahoo CEO supposedly claimed that he had a bachelor’s degree in accounting and computer science. It was found out through one of the members of the board of directors, coincidently a member whose organization is trying to get more seats on the board. When does stretching the...
Have I told you lately how much I love Craigslist? Well I love it. If you have followed my blog from the beginning you would see that I use Craigslist for everything. That fancy logo at the top, painting of my house, snowblower, dishwasher, my house, renting of our rental unit and the list goes on. Well this most recent sale was for the sale of my old golf clubs. I started out golfing right handed because that was the only clubs that we had around when I was younger. I am a natural lefty and one day I hit...
Sometimes people think that spending consciously is a total waste of time and incredibly difficult. Fortunately, this isn’t always true, and there are tons of little ways to save money. Sometimes this means going to the grocery store on a full stomach, and sometimes it means skipping on the yoga classes and buying some exercise videos at home instead. But there are even some common sense ways to save a buck or two – and you can do it right from your computer. How, you ask? By taking advantage of a browser feature that has been around for more than...
It has been a busy week here at This That and The MBA. Things are very busy on the work front as we move to completing our cost reports. This is the bread and butter in how the hospital gets paid. Without these babies nobody knows our expenses or any statistics. Here we were blessed and received a page rank of 2. Thank you big G. Here are the articles that caught my attention this week: Daisy at Add Vodka with How running a blog is like running a business Michelle at Making Sense of Cents with Lifes Little Splurges...
Have you ever heard of the cave dweller? Dumpster forager? What about Daniel Suelo? Well I have news for you they may all be one in the same. Daniel Suelo is a man who decided he didn’t need money anymore. What did you say? That is right he decided he didn’t need money anymore. So one day he walked out and put his last $30 dollars in a phone booth and hasn’t looked back. That was 12 years ago. He has been wandering the country since living off the land and others generosity. He really takes it to heart when...
There was an article in the NY Times that said that Pfizer profit declined 19% after loss of patent for Lipitor. The article points out that Pfizer is racing to reinvent itself as they are scheduled to lose 19 drug patents with a potential to lose $38.5 billion in sales. For years big drug companies have been buying up smaller companies that showed a promise of bringing a new drug to the market. They picked up where the little company left off and brought it out to the market place under the larger companies’ name. What is next for the...
