November 2014 8
The holiday shopping season is almost in full swing, and soon, Americans will be spending their hard-earned dollars on finding the perfect holiday presents for their loved ones. The National Retail Federations holiday spending forecast for November and December is bright, as consumers continue to gain confidence in the post-recession economy. Consumer spending is slated to increase at least 4%, with the average shopping spending $804, up from $767 from last year.
However, the holiday season can be a difficult time for those who are struggling with debt. Even those who are not in debt can quickly rack up thousands in credit card debt by not adhering to a spending plan or budget. As such (more…)
Clearly laying out company policies and easy for larger companies, but small companies are at a disadvantage because they have just as much work to do, but for fewer employees. It might seem like an overwhelming task, but putting together an employee handbook is critical to running a successful small business. Some payroll companies are able to help you with this and other human resources (HR) management issues, so you might want to consider outsourcing this work. Whether you decide to contract this out or do it in-office, it’s extremely important that all the rules and guidelines for your company are clearly laid out in an employee (more…)
When people think about financial jobs, they may not think of them as very exciting positions. Some may even think that people choose to go into these positions purely for the money. While financial jobs to technically revolve around money, they are not all about making money. Financial analysts, financial controllers, financial advisors and accountants all play an integral role in helping individuals manage their finances and keeping a businesses alive and well. While these are all essential roles, the top of the line when (more…)
One of the most common ways that personal injury cases are resolved is with the use of a structured settlement. The way that the structured settlement cash is paid out to the injured party through an annuity. What are annuities? Buying annuities is usually something people do to help manage their money in retirement, but in cases of structured settlements, they basically serve as a tax shelter for those funds and are a way to pay out the money to the injured.
If you really want to be rid of an annuity, the easiest thing you can do is surrender, cash it out, and pay the penalties and charges that come with it. How much you’ll be charged to surrender the annuity really depends on how long you’ve owned it, so take that into account before making a final decision. If you (more…)
In nearly any business today, payment options are a major consideration for all parties involved. Put simply, everything costs money, and fortunately, many different helpful arrangements for making these payments exist. Business factoring, early payment options, lease to own programs, and more make it easier for any business or individual customer to obtain something that [...]
Choosing a mortgage lender is probably one of the most complicated financial decisions that you have to make when buying a house. The problem is that knowing the best mortgage companies is not easy especially if this is your first time buying a home. There are different lenders who are always more than willing to [...]
There are things that they do not teach you enough about in school that many people struggle to understand as the time comes to do them. One of those actions that should really be explained during high school is the key things that you should know when it comes to applying for auto loan options. [...]