Leveraged finance relates to funding a business, a company or another investment using more debt than would be considered normal. More than normal debt is going to imply by nature that the funding is a riskier prospect, and therefore more costly than normal borrowing in general. As a result, leveraged finance options are most commonly [...]

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• Review: Why Smart People Make Big Money Mistakes and How to Correct Them By Gary Belsky and Tom Gilovich This fascinating book by a popular financial journalist and a college professor may not be the newest book on the shelf, and it may not have the most hype, but by far, it is one of the most interesting personal finance books we have ever read. This book goes where......
• Debt Decisions If you are thinking about putting into practice debt leveraging in order to start creating more than one stream of income, it can seem like there are thousands of avenues open to you. For those just starting out, this can be very confusing and it is all too easy to......
• Tips for Paying Off Student Loans Right now, the student loan industry is going through one of its worst periods in decades. New Federal regulations have forced many banks to stop offering student loans, and students are being forced to either find a direct loan or start paying back what they owe. Enrollment figures are being......
• How to use Debt to Improve Your Credit Many of us have the wrong idea when it comes to debt. After years of being told that it is a bad thing and should be avoided, most of us never want to get into the problem of having to deal with debt. Millions more are in over their heads......
• Managing Your Finances and Your Future One of the hardest things for many of us to do is to manage our finances properly. It can be hard if you’ve had no training and you’re used to just spending freely, whenever you want. There are thousands of people out there that can’t balance their checkbooks let alone......

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If you want to access your money quickly, where do you put it? Where do you hide your emergency fund, in a cookie jar, a safe or in the bank? Knowing where to stash your cash is vitally important, and so here are some of the options that are available to you for this very [...]

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• Introduction to Mortgages pt 5 of 5 This is part five in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want......
• 4 Modern Ways to Get Rich by Saving Money For many people, one of the best ways to a better and much more established financial future has been to save money. For that reason alone, those who firmly believe in the immense power behind the act of saving money always find a way to put some of their money......
• Hurricane Gustav and Tropical Storm Hanna Roundup Sunday Money Madness is back again this week under the header of the Hurricane Gustav and Tropical Storm Hanna. Rainy and windy weather is about to bombard the southeast again and looks like Louisiana, and Texas are going to take the brunt of the category four hurricane. For those living......
• Supplementary Solutions for Debt Repayment There are a number of other things that you can do in order to improve your current money situation at the same time as you are working on the debt repayment solutions that we touched on in the previous three articles of this series. While you will be seeing results......
• How to Survive Inflation Turn on the television, read a paper or go online and chances are you’ll be bombarded with bad news about the state of the economy. Inflation is being whispered about, and in some cases, shouted about from the rooftops. Are we really facing inflation and how bad will it get?......

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This is part four in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want to understand how the housing [...]

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• Should You Pay for Your Child's College Education? Paying for college for yourself or for a child can drop you into debt faster than many other things. Aside from huge disasters like medical emergencies or a home fire, more people get into higher debt by paying for college than any other reason. The best advice for long term......
• Different Types of Short Term Investments Short term investments are the most ideal form of investing if you want to invest over a period that is relatively short. Cash manager accounts make it possible to access your money whenever you need to. Fixed term deposit investments secure your money for the entire length of the term.......
• Introduction to Mortgages pt 3 of 5 This is part three in a five part series on what you need to know about mortgages before you buy a home. The housing market is an interesting beast, because it comes and goes, rises and falls, allows some people to flourish and brings others to ruins. If you want......
• Getting Motivated to Organize Your Finances For many people, the first steps towards getting your finances under control are the hardest. Whether you didn’t spend enough time learning about basic personal finance principles when you were younger, or life happened and you’re now at the bottom of a very large problem, it can be difficult to......
• Paying off Debt in 9 Steps pt 3 Part three in the series on paying off debt: There is a solution to your problems with debt. These 9 steps will have you paying debt off in no time. 6 - Hunt down a good home equity loan. If you own your very own home and you have accumulated......

Continue reading → Introduction to Mortgages pt 4 of 5

Speaking of Variable Universal Life Insurance…
What are the disadvantages of this type of insurance?
As we said before, if you experience a significant drop in the value of your insurance account, you could actually be putting your insurance policy in jeopardy. If you end up with a significant drop in the value of your account, it [...]

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• Mutual Funds 101 One way that investors can pool their money is mutual funds, which allows them to invest together in a variety of different stocks. Each of the participating investors is charged a percentage fee based on what they invest so that the professional fund manager can receive payment for his work......
• What is a Bank CD? Before comparing interest rates or buying a CD at the bank, come to an understanding on how Certificates of Deposit work. Rules and Regulations of Bank CDs CDs, commonly known to many as bank certificates of deposit, are issued by many different banks. CDs are tightly regulated via state and......
• Michael Phelps Edition of Sunday Money Madness Good morning! How is everybody's Sunday fairing? There were several amazing wins during the Olympics this past week. Don't you agree? Two swim races at least with only one one-hundredth of a second margin from first and second place. Wow! Remember a while back when I wrote about money......
• Blogging is Big Business For those that are interested in building up alternative streams of income, blogging has become very popular. We've all heard about monetizing content, adding in advertising and finding sponsors, but there are some folks out there that have taken their efforts to the next level and seen they pay off......
• Rent or Own - What's Best Right Now? The housing market has many people concerned right now and one of the most popular questions is whether or not this is a good time to buy a home. Unfortunately, there is no clear cut answer to this question, and each individual’s financial state will determine the answer. However, there......

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