Banks and prominent lending institutions look into many criteria before approving your loan. At the end of the day, they have to be sure that you will pay the amount back and that too at the right time. If you are looking for a loan to buy a car or a house or to consolidate your debt, you have the luxury to wait even if the loan process is taking
Finances are tight. Rent’s due in two weeks, your car needs new tires, and the fridge is empty. Saving money wherever you can makes sense. However, that doesn’t mean you can’t indulge yourself sometimes. If you never have fun or treat yourself, life will be pretty boring. To keep from going broke, save your splurges for things that matter to you. If you feel gross without a manicure, perhaps the
Saving doesn’t come naturally to everyone. According to statistics, the average American adult has $73,100 in savings. 21% of Americans have less than $4,999. That’s just an average figure – and it’s worth knowing that 79% of the country’s wealth is owned by millionaires and billionaires. Looking at more relevant statistics, the average retirement fund for individuals ages 35 and under is $13,000, whereas experts say the average 30-year-old should
Gold has long been the foundation of wealth, ever since we first began to trade, and moving this commodity around has always presented problems. If you have a few ounces of this precious metal, there are no obvious issues but when you are talking about kilograms of bars of gold bullion, that’s a completely different story. Here are a few important things to bear in mind when looking to transport
In recent years, there has been a proliferation of electronic trading platforms and strategies for traders to use in the markets. While this increased complexity and competition may be suitable for investors, it can make it difficult for individual traders to find success. The growth of technology and its impact on stock trading in Asia Technology has revolutionised the stock trading process in Asia. In the past, traders had to
A lot of people are going to be forced to take out a loan at some point or another. People believe that loans are dangerous and this isn’t always true. Sure, there are some risks involved. Nevertheless, you need to understand that a personal loan could be the thing that you’re looking for. With a personal loan, you’ll be able to get the money that you need when you need
If you’re trying to improve your credit status, get approved for financial products, or make a major life purchase, chances are you check your credit score regularly. On a scale of 300 to 850, your score is a numerical portrait of where you stand. It gives creditors, lenders, and service providers an overall idea of your financial responsibility and risk level. Although the goal is to maintain an excellent score,
When it comes to complying with GASB 87, we have no choice about whether to comply but there are easier ways that we can find to do it. In this article, we shall explore some of these to assist you when accounting for leases. To first define it, GASB 87 is an accounting standard and statement of the Governmental Accounting Standards Board. It is the new lease accounting standard for
You’re well aware that eating right, staying active, getting plenty of rest, and taking care of your emotional well-being have a positive impact on your quality of life. However, did you know that living a healthy lifestyle can save you money? Essentially, the healthier your mind and body are, the less money you spend on everything from food to healthcare. While old habits die hard, getting rid of these poor habits
Many small and medium-sized enterprises are increasingly choosing vehicle leasing over vehicle buying, and it makes complete sense. Leasing a vehicle – or a fleet of them – comes with very distinct advantages, and it’s a cost-effect alternative to buying since you don’t have to come up with a big initial deposit, and you don’t have to deal with depreciation. This is particularly lucrative if you need an entire fleet