Your credit score has a big impact on your ability to get a home loan, and the interest rate you pay on your loan. It may be difficult, however, for first-time buyers to secure a home loan, given that housing prices increase over time, while wages stagnate. Saving for a down payment is difficult, […]
Portfolio Rebalancing: Does It Matter?
in Personal Finance/by Kenneth W. BoydDoes rebalancing your portfolio really matter? Will portfolio rebalancing increase your rate of return, or reduce risk? Let’s discuss.
A Night Out- Without Taking On Debt
in Personal Finance/by Kenneth W. BoydSo, you go for a night out. You have a fantastic time. Then, you check your bank balance. Somehow, it’s into negative figures, and you’re staring down the barrel of a debt you didn’t see coming. You vow never to go out drinking again. Heck, you couldn’t afford it if you wanted to. […]
Ouch! Don’t Let That Injury Bruise Your Credit Score
in Personal Finance/by Kenneth W. BoydInjuries happen for a variety of reasons, and an injury can have a huge impact on your personal finances. Over time, you may face unpaid time off work, on top of hefty medical bills, and this financial situation can damage your credit score. A lower credit score will make it more difficult to borrow […]
3 Financial Challenges That Can Hit At Any Time (4 Video Links)
in Personal Finance/by Kenneth W. BoydControlling of your finances is difficult to do, and it takes a lot of hard work and dedication. If you’ve to a point where you’re debt free and you’ve got a working budget that allows you to save, you might think that financial problems are a thing of the past. Unfortunately, life is […]
What a CEO Firing Teaches Us About Accounting Charges
in Accounting/by Kenneth W. BoydWait- the CEO of GE got fired? It’s true.
Why Freelancing Can Be A Smart Financial Decision
in Personal Finance/by Kenneth W. BoydDo you feel a little stuck in your job? Do you have a skill or ability that other people would pay you for? If your answer to both questions is “yes”, you might consider a career as a freelancer.
Where Do You Want To Be In Five Years?
in Personal Finance/by Kenneth W. Boyd“If you don’t know where you’re going, any road will take you there.” This quote, by author, Louis Carroll, points out that everyone needs a plan to reach certain goals. Setting a goal requires you to think through life’s issues. If circumstances force you to change your plan, no problem- just make changes and […]
Improve Your Credit Rating To Buy Your First Home
in Personal Finance/by Kenneth W. BoydYour credit score has a big impact on your ability to get a home loan, and the interest rate you pay on your loan. It may be difficult, however, for first-time buyers to secure a home loan, given that housing prices increase over time, while wages stagnate. Saving for a down payment is difficult, […]
Alternative Investments: Consumer Lending, Distressed Property
in Personal Finance/by Kenneth W. BoydTechnology allows investors to access and consider dozens of investment options. In addition to traditional stock and bond investments, you may consider alternative investments (“alt” investments), such as precious metals, real estate, and commodities. Investors consider alt investments, because the value of these assets fluctuate differently than the stock and bond markets. If the stock […]
Don’t Bank On It: 3 Reasons To Switch To Online Banks
in Personal Finance/by Kenneth W. BoydWhen was the last time you were in a bank lobby? Many of us still rely on traditional brick-and-mortar banks, but switching to an online bank could be a better option. Online banks offer numerous advantages over regular banks. Here are just a few reasons to consider switching to an online bank.