Finance Globe

The holiday season means many things, including the fact that you’ll be purchasing gifts for a variety of people. In addition to your family and friends, you may wonder if it’s appropriate (or required) to purchase gifts for your coworkers, boss, and others at your place of employment. While there is no right or wrong answer, it’s important to have a plan this year. To ensure that you’re on the right track, here are five questions...

Are you interested in earning some extra money this holiday season? If so, it may be time to consider a part-time job. There are thousands of holiday employment opportunities out there. As long as you keep an open mind and take the right approach, you should be able to find a position that suits you well. Here are five top tips for finding a holiday job: 1. Expand Your Search The last thing you want to...

With the holiday season closing in, it’s safe to assume that you have a lot on your plate. For many, shopping for gifts is at the top of their priority list. While this can be one of the biggest joys of the holiday season, it can soon turn to pain if you don’t take the right approach. In other words, you must have a plan in place that allows you to avoid overspending. Here are three...

How much time do you devote to protecting your credit? Believe it or not, many people never think twice about this. Instead, they go about their life, hoping that nothing bad ever happens. Rather than take the risk, here are three simple ways to protect your credit: 1. Keep Your Personal Information Safe This can mean many things. For example, store financial documents in a safe place. Along with this, don’t share your personal information with...

Are you in the market for a new or used vehicle? If you aren’t making your purchase with cash, it’s time to learn more about the financing process. Although it can be intimidating to search for a car loan, there are some steps you can take to make this process more enjoyable. Here are several tips you can use to your advantage: •    Save for a down payment before making your purchase. In short, the more...

Credit card debt can strain your finances in a number of ways. This is even more so the case when your debt is spread across a variety of cards. If you find yourself juggling multiple credit card balances, here are three tips that are sure to help: 1. Know Your Debt In short, you need to know how many credit cards you have, as well as the debt associated with each one. This isn’t a time...

We’ve all heard the stories. A successful entrepreneur used multiple credit cards to get his or her company off the ground. While this is definitely one of the quickest ways to get your hands on money to start or grow a business, it’s important to understand the risks associated with the strategy. Here are some of the primary reasons to avoid the use of a credit card to launch your business: 1. High Interest Rate With...

When shopping for a home, there will soon come a time when you turn your attention to the mortgage process. In other words, you’ll need to answer this question: which lender can provide you with the best loan product? Rather than beat yourself up, rather than worry that you’ll never make the right decision, it’s best to use a mortgage broker. In short, this person is staffed with the responsibility of shopping around on your behalf....

Do you cringe when you receive a medical bill in the mail? Like most, you hope for the best but expect the worst. If you find that your bill is higher than expected, there are a couple of things you can do: •    Pay it in full and move on.•    Contact the billing department to dispute the balance. It’s important to remember that medical billing departments can and will make mistakes every now and again. In...

When you look at your budget, it’s important to ask and answer a variety of questions. Here is one of the most important: are there any items you can do without? At first glance, you may not find any items you can comfortably cut from your budget. However, as you dig around, you may soon realize that there are a few opportunities to save. Taking this one step further, there are big one-time purchases that can...