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Tips for Applying for a Public Grant

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Repair your Finances as a First Priority

There are many reasons that you might want to apply for a grant.  Non-profit organizations depend on donations to help fund their work.  If you are considering attending trade schools or college, there are many different grants you can apply for that will help alleviate the financial burden of educational costs.  Or if you are in business or considering starting a business, applying for a public grant could be a valuable tool that will help you achieve your dreams. But there are also grants that can assist with down payments on homes.  Many people do not have the standard 20% down payment that lenders are looking for, and while many programs can help with this, there are also grants that … Read more

Top 4 Tips to Increase Your Credit Limit

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Before you apply for an increase in your credit limit, first ask yourself why you want a boost in your credit. If it is to feed your thirst for shopping or purchase luxuries you don’t need, then you should not pursue it. You will need to justify the bank and yourself that you know how to manage finances before they approve your request. This means you have an excellent record of credit payments for at least half a year. If your credit cards are maxed out, this only proves that you are always late in paying your balances. This usually leads to lenders rejecting your application. With these in mind, here are some ways your credit limit will be allowed … Read more

Types of Forex Traders – Which One Are You?

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The trend is your friend when you trade forex

When trading forex on a platform such as Rakuten forex trading, timing, guts, intelligence, and instinct are the factors that separate good forex traders from great ones. Timing is the most important factor4 when it comes to forex trading. There are different time frames for trading. These time frames make it possible for the traders to execute their strategy and develop their idea. Timing also makes it possible for trading experts to consider factors such as currency pair mishaps, effects of news on the market and also position leveraging which are all out of the trader’s control. This is why timing is a major factor, one mostly ignored by novice traders. There are plenty of terms used to describe different … Read more

Setting Up an Estate Plan – 10 Reasons to Do It Now

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Setting Up an Estate Plan

Famed pop musician Prince passed away suddenly in April 2016, felled by the opioid epidemic ravaging America. As fans across the world mourned, reports emerged that the “Purple One” had died intestate — without a will outlining his final wishes, nor a trust set up for the benefit of his heirs. Prince’s situation was further complicated by his lack of direct heirs. He had no living children, who’d normally stand to inherit his vast wealth. After months of contentious legal battles, Prince’s several surviving half-siblings walked away with the lion’s share of his fortune, shrunk considerably by legal fees. The whole mess could have been avoided with a comprehensive estate plan. To be fair, most of Prince’s A-list compatriots do … Read more

Five Red Flags Proper Bookkeeping Can Warn You About

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Save Money in Your Small Business

As a small business owner in today’s highly competitive economic climate, it’s vitally important to make sure your company’s financial records stay up to date. If you’ve been doing your own bookkeeping, but you notice that more than a week has gone by since the last time you reconciled your accounts receivable with your accounts payable, it’s probably time to begin thinking about outsourced bookkeeping. Outsourcing your bookkeeping will free up a lot of time that you may be able to spend more profitably to grow your business. This solution may also help you better identify warning signs that mean you need to change some of your business practices. Here are some bookkeeping red flags that should alert you to the … Read more

6 Things to Know Before Buying a Used Car

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If you are in need of a new vehicle, think twice before heading straight to the new car dealership. When it comes to getting your money’s worth, buying a used car is a much better way to go: when you buy a used car, you know that the biggest depreciation already has taken place. And while buying a used car has its obvious financial advantages, there are still a few details to be aware of before starting your search. Here are six things you need to know before buying a used car. Set your budget Setting your budget early on in the car-buying process will help you avoid difficult situations down the road. There’s a reason why wedding dress consultants … Read more