We all understand that companies collect information on our behaviors, our shopping patterns and the like. But we collect data about ourselves, too. The problem is that we're not analyzing much of it. And we're missing a big opportunity to improve our lives and our finances. A friend was recently asking me about Fitbit. Most of my friends know that I'm a huge fan of Fitbit, those little pedometers on steroids, that help you monitor the number of daily steps you take and things like calories burned, food consumption, weight, sleep patterns … [Read more...] about You’re Collecting Information You Are Not Using
Archives for March 2015
Just how good at math is Andrew Beal? The answer to that question depends on which qualifier you'd like to use as proof of his skills. On the one hand, there's the fact that he is worth several billion dollars. There's the fact that a mathematical proposition called Beal's Conjecture named after him. And, there's the fact that he's won the largest single game of poker ever, taking in eleven million dollars with the right cards. If you've never heard of Andy Beal, you can be forgiven. He's a much less visible billionaire than Bill … [Read more...] about What is the Beal Conjecture / Who is Andy Beal?
Do you want to retire early? The following is a guest post by Donny Gamble Jr. Donny is an online entrepreneur, author, and runs investing blog Personalincome.org. If you'd like to submit a guest post on Money Q&A, please check out the site's guest posting guidelines. Early retirement has been a hot topic lately. It seems that the new goal of many is to retire early and live out their lives on a beach somewhere. While that dream sounds great, retiring early isn’t meant for everyone. For starters, you have to be … [Read more...] about Do You Really Want to Retire Early?
Financial spread betting is exciting, it’s potentially profitable and whilst it may take a lifetime to master, and it takes only a few minutes to learn how to play. Those are the headline plus points. Inevitably, there is more to this relatively recent innovation than this description alone, and it is worth knowing precisely what is involved before deciding whether or not FSB is appropriate for you. FSB was pioneered in the 1970s when it was originally set up as a vehicle enabling a small number of London brokers to bet on the price … [Read more...] about All You Need To Know About Financial Spread Betting
It's quarter of the year, March 2015, and all forecasts point to possible weakness ahead with the Euro Dollar Exchange Rate with the guys on Barclays, with a possible conversion rate of 1.07. The expectations of the analysts on the big boys from RBS, HSBC, Nomura and Morgan Stanley, are that the euro will actually suffer lows in the following year, or could we say current first quarter? Going into the facts, the EUR to USD exchange rate at the time of this article was written is 1 EUR = 1.068 and inversely at 0.9382. Being at it's lowest … [Read more...] about Euro Dollar Exchange Rate Downhill To 1.07 For 2015?
You may not be fully aware of it, but you're probably sitting on your own personal treasure hoard: a stash of airline miles, hotel points or reward points you've earned through your credit cards. According to statistics compiled by Points.com and its parent Points International (PCOM), a company specializing in helping consumers trade, exchange and redeem reward points, the average American is hoarding more than 61,000 reward points through various programs. Americans have more than 2.65 billion loyalty memberships -- 21.4 per … [Read more...] about What You Should Do With the Reward Points You’re Sitting On
With UK mortgage rates at an all time low, and house prices falling by 0.1%, now may be the perfect time to consider buying a new home. But even with today's falling interest rates, taking on a mortgage is a major responsibility. Naturally, you want to find the best deal possible. Mortgage rates may currently be low, but that's no reason to take the first deal that's offered, or to pay more than you need to on the total cost of your home loan. Before you sign on the dotted line, let's review a few simple tips to help you find the best … [Read more...] about What You Need to Know in Order to Find the Best Mortgage Rate
You’ve worked your accounting and payroll department to the bone working on tax challenges for your small business. Finally, everybody’s W-2s have been sent out, and you are totally positive that they are 100% correct. Now it’s time to relax, right? Nope. You're a small business owner, and there are tax challenges for small business. Now you get to focus on your company’s taxes for the coming year and making sure you get those correct. This is a little harder because every year the tax codes change and this year there are some … [Read more...] about Tax Challenges for Small Business Owners
Budgeting isn't easy. Many people feel overwhelmed and give up before they even get going. But even among those people who don't quit, many miss the most critical step when creating the family budget: tracking all of your expenses. And I mean down to the penny. According to Gallup's annual economy and personal finance survey, only 32% of American households prepare a written budget or use software for a spending plan. There are only two sides to a budget: income and expenses. Most American workers receive a pay stub that lays out exactly … [Read more...] about The Most Important Budgeting Tip You Are Forgetting
UK Records the Highest January Total For Six Years as Secured Lending Marches On Secured lending levels reached £58.2m in January, an amount that has not been seen for six years. Finance Experts at Loan.co.uk, secured loan specialists says that this is a demonstration that the secured loan industry has picked up from where it left off at the end of 2014 and is also an early indication that the industry is ready to consolidate on the gains recorded last year. There is an improving appetite to lend amongst lenders and the competition for … [Read more...] about Secured Lending Marches On