Browsing: Finance

When you’re in the market for a new home, you may find yourself looking at expensive houses with a lot of square footage and extra amenities that you hadn’t initially thought of. And while it’s perfectly normal to have a dream home that you’d love to own, this home just isn’t a reality for many people. Rather than this option, most people have to either really stretch their budgets or limit their must-haves in order to get into a home they can enjoy without breaking the bank. So to help you ensure that you’re in a good situation financially when…

What exactly is a 401(k) plan? Simply put, it’s a way to save money for retirement through your job. You set aside a set amount of money from each paycheck that is placed into an account. From this account, you can invest the money in things like stocks, bonds, or mutual funds.

Creating a budget is one of the best things that you can do to keep your finances in order.  Whether you are saving for something specific like taking a trip or want to buy an item which has a hefty price tag, creating a set of financial guidelines for yourself is the best way to take control of your money. Some people have never had a budget before and have always spent freely, while others have a more strict spending style.  Whether you are naturally frugal or want to become moreso, here are the best ways to create a budget…

Video games have come a long way from pong; today, there are approximately 1.2 billion gamers around the globe, and gaming now attracts a much wider audience than in the past. That is because Gamification is all around us – from corporations that leverage it to train employees to marketers who use games to attract new customers. If you are not familiar with the term, let’s clarify things a little. The University of Pennsylvania defines Gamification as “the application of game elements and digital game techniques to non-game problems”. For instance, if you have ever used a Fitbit, then you…

Remember 2008 when the markets crashed? That was actually caused by a huge portion of people living on credit and living past their means. Unfortunately, in 2017 there is evidence it’s happening again. People are racking up debts on credit cards, going on holidays that they haven’t paid for and buying home furniture they can’t afford. It’s a dangerous situation, but it’s really the tip of the iceberg when looking at the causes of debt. Like any iceberg, the true danger remains hidden, underneath the surface. You might think that medical bills could never drive you into debt. On…

The credit and debit card have been with us for many years now, and are an accepted and efficient method of payment in most places. Indeed, any business that takes face to face or over the counter payments needs to be up to speed with card payment solutions or they may face missing out on potential extra business. When you consider that most people carry at least one card – it’s far more convenient than cash, after all – you could be losing plenty potential income by not accepting plastic, so it is certainly worth considering. Consider this, also:…

People often have a negative depiction of the local pawnshops and cash for gold dealers in their area without ever having stepped foot in the store. It is true that some of these places may not conduct business in the most upstanding manner, luckily there are probably many gold buyers to choose from in your city that are reputable. Finding a trustworthy gold buyer is easy by simply using the tips below: Understanding Gold Buyers and Their Offers By having knowledge on how a gold buyer comes up with their offer can be a big help in determining whether you…

Gold, silver, and platinum buying is a business that has been around a long time. And it’s not too difficult either, from a buyer’s perspective. No knowledge is necessary about rarity or condition, no price ambiguity, and relatively easy and liquid selling on the other end. Simple metallic tests can determine if pieces are genuine, making market entry with little knowledge possible. So it’s no wonder you saw a new cash for gold business on every corner during the boom. But in Rochester New York, the team at Ridge Coin & Gold Exchange do things a little bit differently. They’ve…

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