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How I was Able To Afford A Gucci Handbag

I’m not a shopaholic whose story got incorporated in a magazine as a column on finances. I’m a regular working woman who takes home $25,000 a year. It’s not the best pay, but, it pays my rents and my bills and I’m somehow able to manage a credit card.

Managing my finances wasn’t always easy. It has been a tough journey. When I began working, busing tables at a local restaurant, minimum wage was the goal. Underpaid, and living with my parents, all of my earnings went into indulging my love for handbags. Early on, it was the nice looking but unlabeled bag. But as time went on, I wanted better things, so, I ended up overspending. Things got to a point where my accounts were overdrawn, my debt had piled up and I needed a bailout.

Managing Money

It was around this time that my parents had an intervention and told me off. They insisted on using the money they put aside for me to help me clear my debt. It was a huge wake-up call. I realized that rather than enjoying a small inheritance, my carelessness had taken away a nest egg I could have used for something important.

After I got out of debt, I became more proactive in searching for a job. Once I got what I was looking for, I moved out of my parents’ home, leased an apartment with 2 other friends. Things have been good, except for one thing – I still love handbags!

My option was to get back in debt just to buy that delicious new Gucci purse, but, that would mean another round of repayments and whatnot. So, I found this awesome resource online which gets me Gucci purses for a steal, you can also buy Gucci purses for your girlfriend from here.

Now, I indulge myself whenever I am able to and I don’t break the bank or my credit score!

Can You Get A Personal Loan With Poor Credit?

A good credit is what makes up for a good and flexible loan, be it of any type. But do all of us have a good credit score? Are we all keeping up with our financial commitments on time? No, most of us do not come under this category and we have more numbers who default and become a high-risk customer for the banks or financial institutions that promise to give us a personal loan for our poor credit score. There are many illegal and unlicensed financial institutions like the chit funds, who might allure and satisfy you by saying that there are possibilities for an easy and not-much –complicated loan process with a poor credit too but do not fall for their words for this is not how it would be. For anybody with a poor credit score, it is difficult to procure a loan with any type of financial institution. That being said, we also need to understand that we do not completely become unfit for a loan but the process and the formalities would be a little tougher for us when compared to the others with a good score.

Borrowers with a poor credit score are offered loans in the name of payday loans wherein the interest rates are higher than the regular loans and it is granted only when the lender is satisfied that he would get back his loan amount from the borrower at any cost and this is proven by the statements and documents submitted by the borrower for scrutiny. So getting a loan with a poor, bad or completely no credit is possible if you go to the lenders through the peerform market. The best peerform review would take you to the right lender with reasonably good rates for this is a special market for borrowers with a bad credit.

How to Save Money While Owning a Cat

Do you own a cat? You might be wondering how you can save money with your cat. There are various steps you can take and here are some of the most effective ways:

  • Pick a high-quality cat litter

This might seem an odd way to save money on cats. However, the high-quality liters last longer and are more effective in controlling odors. So you can get more value from the product and will help to reduce the long-term costs of cat litters. The good news is you can also find brands that provide good quality for lower prices. This is another way you can save money when buying cat litters.

  • Make DIY cat food

You can save a lot of money by making your own cat food. A raw diet is healthier for your cat. It takes a little more work but it’s better than feeding your cat a diet of processed food. You can find many DIY recipes on the Internet. It’s about providing your cat with protein as well as some bone matter. You could add some healthy veggies to the diet like carrots or broccoli. You can find many recipes on the Internet so find out which ones’ work best for your feline.

  • Have an indoor cat

This is a very easy yet effective way to reduce the cost of owning a cat. There are various reasons but some of the main ones are you can prevent fleas/ticks and injury. You can save a small fortune on flea shampoo and other treatments, which can add up quickly. Preventing injury can also help you to save a lot of money because you won’t have to take the cat to the animal doctor.

  • Watch out for deals

You can find various deals to help you save money on your cat. That could involve various products like food or litter. You could also save money on vaccinations and spay/neuter treatments. Make sure to shop around to find the best deals. Also, you could contact your local humane society. This is another way to save money for various treatments.

  • Don’t buy super-cheap food

When you buy cat food it’s good to consider buying a quality brand. The cost will be higher but it will help you to maintain a healthy cat. If you get a cheap food, it’s more likely your cat could get sick over time. It could be from the food itself or due to issues like a vitamin deficiency. That’s probably a situation you’ll want to avoid so it’s best to spend a little more on good quality food.

  • Do basic grooming yourself

Cats are experts at providing their own grooming. However, there’s still some basic grooming they require. Pro grooming can be very pricey so this basic step can help to save you tons of money. Make sure to brush and bathe your cat. Also, trim its nails and brush its teeth from time to time. This will help to keep your cat clean and healthy.

Do You Want To Become An Investment Banker?

Investment bankers hold a significant position in helping organizations with their fundraising procedures. They would also play an important role in underwriting, picking out buyers and other several processes.

How to become an investment banker?

Would you need special training? Are there any qualification requirements? There might be many such questions in your mind when you think of becoming an investment banker. As long as your math is good your educational background would not matter. A majority of the investment bankers are from the accounting and finance sectors. We also find computer graduates switch to this field, however. You always have the option to take up an internship before actually becoming a full-fledged investment banker. There are specialized training programs as well. As an investment banker, you would have to be good at communication, negotiation, and other aspects as well. Your training programs would also cover all these.

How is the job?

There might be registration processes involved, certifications or examinations to be completed depending on the bank you work with and the position you hold. There are other certifications that you could take outside your bank to help you in your career growth. If you start taking sincere efforts soon after your graduation you would be able to achieve a significant position in just a matter of few years. To become a really good investment banker, however, besides all your training programs your experience would also teach you lots.

With the growing demand for investment bankers and the increase in the salaries, this is indeed a great job. Statistics show that there is also a good future for the investment bankers. The intervention of technology is now making the job of an investment banker even simpler and more productive. So if you choose the right career path your future is secure.

Direct Lender Cash Advance Comes To Your Rescue

If you have suddenly been faced with an expected expense that could be anything right from an urgent medical bill, car repair or any other unforeseen expense, they often come along with a lot of worry. This is even more so if your payday is yet quite a few days ahead.

If you are wondering how to tide over this unexpected expense then a cash advance loan is great when you are short on money.

What is a cash advance loan?

A cash advance loan can be explained as a short term loan that is provided when a person is faced with an urgent need for cash.

This loan usually will assist you to tide over your urgent cash crunch which you can repay easily when your payday or day of salary arrives. So instead of opting for loans from family and friends and standing a risk of ruining relations, a cash advance is rather simple and a dignified way to tide over the monetary shortage.

Are cash advances complicated?

In fact they are anything but complicated. The application is simple and straight forward; there are no long and complex forms to fill out. The entire process is safe and secure one need not worry about the authenticity of these loans.

The cash advance is an instant process as we understand that the need of money is also urgent. There are no direct credit checks that are under taken. People with bad credit can also very well apply for a cash advance. The moment your payday arrives you simply payback your cash advance and you are good to go.

When you pay back well in time you are not expected to pay any additional charges nor would you have to pay any penalty charges.

The procedure is hassle free without any complicated document faxing or any prolonged formality. It is a straight forward and dignified way to end your urgent cash crunch/

3 Ways The Fed Rate Increase Will Impact Emerging Markets

The Federal Reserve has a big impact on the U.S. stock market. It also affects the global financial market. As the dollar is a global currency, any changes in its valuation have a great impact on everything. Here are three ways it can impact emerging marketing.

Increase in corporate defaults

There ae many companies who took advantage of the low U.S. interest rates. They borrowed in dollars and repaid debt with a currency that is stronger. If there is an increase in U.S. interest rates then these companies will have a difficult time repaying their debts.

Lower foreign investment

The emerging market economies relied on the increase in foreign investment to drive their economic growth. If the interest rate becomes higher than the investors will move back to the U.S. and so there will be an outflow of capital from emerging markets. Due to low foreign investment, many economies will be affected.

Decrease in currency values

Due to low U.S. interest rates many emerging markets had appreciation in their currencies. For example, the USD/ZAR currency rose from less that 10.00 to 17.00. Because of this South Africa could leverage the currency valuation to take a loan from U.S to finance their growth initiatives. But if this rate falls, it will affect the South African market. It will hurt the investments.

As you can see that the Federal Reserve has a significant impact on both the domestic market and the international market as well. The emerging markets are vulnerable to the changes in interest rates.

Top 4 Political Factors That Affect Development Of a Country

Politics can significantly affect the development of a country. It affects the life of people, business, investments, etc. Here we look at the four major factors that have a huge impact on the development.

Poor management

The government has to do many things to encourage development. They should develop and maintain infrastructure and they should invest in the right projects. If the government fails to manage the infrastructure then development will be impossible. The government must set up laws and practices so that it encourages investments.

Corruption

If corruption is widespread in a country then it will hinder its development. Crooked policemen, customs officials, and others are usually involved in corruption and their unethical act negatively affects the development of a country.

Trade laws

Trade laws like tariffs can affect development. The developing countries have to face higher tariff barriers to enter a rich country. So, there will be less import if the tariff is raised.

Political instability

Political instability is a reason a country cannot develop. Countries that have long-term conflicts find it difficult to attract investors. Local business and people’s daily life are also affected. A country with constant political instability cannot develop.

The developing countries need to look at these factors and try to take steps so that they can develop. They should attract investors and encourage local firms to import. This way a country can develop steadily. A good government is necessary who can drive the country forward.

4 Ways To Get The Best Deal Before Energy Price Cap In The UK

Energy price cap will be soon introduced in the UK. It will reduce the benefits of those people who shop around to get the best deal. The energy prices have increased recently and people are having a tough time paying their bills. Here are four ways you can get the best deal before the energy price cap is introduced.

Find out if you will be charged for switching

You should stop shopping around for getting a better contract. Know the amount of energy you use at the moment. If you are on a variable tariff then you can switch without paying anything extra. If you ae on a fixed deal or online offers then you may be charged for switching to a different supplier.

Negotiate

If you are on a fixed rate and you know that you will be charged extra for switching, you can negotiate and make a good deal with your current supplier or with some other provider.

Best fixed deals

Fixed tariffs are the cheapest deals right now. Some fixed deals have very high exit fees. You should be careful about that.

Get variable prices

Though fixed rate prices are cheaper compared to variable tariffs, the price difference has decreased. So, you should weigh your options and then decide whether to go for fixed rate price or a variable price.

These are some tips to deal with the proposed energy price cap. These tips will help you to pay lower energy bills every month.