Finance Globe

Starting the New Year with full understanding of where you stand will put you on track to meeting your financial goals. So take pull out your financial documents, get out a pen and piece of paper, and jot down details of all your financial accounts. Having all the numbers in one place puts you in a much better decision making position than if they were all scattered. Here’s what to take account of: Monthly household budget....

As a college freshman, it is safe to assume that you are living in one of your school’s dormitories. That being said, you are probably looking forward to the day when you can break free and live on your own in an off campus house or apartment.While the freedom of living off campus may be what you are truly looking forward to, here is something else to consider: you can save a lot of money by...

Another New Year rolls around and once again, it’s time to come up with those resolutions – the things you hope to accomplish this year, but will probably forget about before Spring rolls around, if not by Valentine's Day. Maybe the real resolution this year should be to actually keep your resolutions. In an article for the Pennsylvania Psychological Association, Pauline W. Wallin, Ph.D. suggests a few reasons that we don’t keep our resolutions. For starters,...

Seeing a lower price on an item you recently purchased is frustrating, especially if it’s a significant price drop. All you can think is “If I’d just waited a few more days, I could have gotten it for this price.” Well, you still may be able to, but you’ll need your receipt. Price Adjustment at the Store Many stores offer price adjustments, but only within two weeks of the purchase if the item is currently priced...

Buying a new car can be both stressful and exciting at the same time. On one end of the spectrum, you know you are going to be negotiating with the dealer for the best deal possible (that is the stressful part). On the other side, there is nothing more exciting than driving a shiny new car off the lot.Which steps can you take to minimize stress? By comparing multiple dealers, you will soon find that one...

Are you in the process of searching for a local contractor who can successfully complete a project on your home? From a new kitchen to an outdoor patio, there are many ideas to consider.Even though you may be in a rush to make a decision, it is important that you hire the right person for the job. This will ensure that you are happy with the end result.Along the way, you should also be focusing on...

Making the change from one car insurance provider to another can be a hassle. Not only do you have to compare your many options, but there is a lot of paperwork involved with the switch. However, the long term benefits may be too good to overlook.Why are you making a change? Here are a few of the most common reasons:Hoping to save money on the cost of coverageCurrent provider is no longer offering high quality customer...

“The best laid plans of mice and men oft go astray.” True dat, Robert Burns. True dat. I don’t know anything about Mr. Burns, the poet who penned those wise words, but I suspect he must have had children. If all had gone according to plan I would have finished this half of the “Relapse Recovery” column weeks ago and the holiday shopping tips I was going to share would still have relevance for most of...

Buying a home is one of the biggest decisions you will ever make. While some people re in position to make a “cash deal,” most rely on a mortgage to get into the home of their dreams.Choosing a mortgage lender is not something you should do on a whim. With so many options, it is enticing to seek out the lender with the lowest rate, complete an application, and hope for the best. After all, you...

Are you in the process of comparing local banks, hoping to find the one that is right for you? If so, you know you have many options – this is particularly true if you live in or around a large city.While it is easy to believe that all banks are the same, for the most part, nothing could be further from the truth. Your job is to compare your options, focusing on the pros and cons,...