Finance Globe

Couples may be hesitant to mention the subject of money to each other, either because it's an uncomfortable subject, or because past attempts at the topic have resulted in getting no where. But as difficult as it may be, it's vital that couples communicate to each other about money. Effective communication about money matters will give you both a clear picture of where you are, and where you want to be. Money issues have done damage...

When couples get together, they're often attracted to their loved one's looks and personality. They have a spark, a knack for communicating with each other. They can laugh about the same things, and enjoy the same type of activities. They may anticipate a future together, sharing a home, having children, and growing old together. These happy couples often plan out their whole life together, but too many of them overlook one major issue that can often...

Starting your own business can be fun, exciting, and scary. There are a lot of unknowns when you venture into self-employment. Many business owners of the past have made an attempt at self-employment, but half of those businesses fail within the first five years, according to the U.S. Department of Labor. Increase your chance of running a successful, profitable business with thorough research about the type of business you want to go into, as well as...

The big question many entrepreneurs have is, "How much will it cost to start my own business?" Some have started their own successful business with nearly nothing, and some have needed to use up their life savings or take out huge loans. It all depends on the type of business you plan to run. You may already know what kind of business you want to start, or you may just know you want to become self...

You may have considered starting your own business, and if you have, you are probably excited about the prospect of being your own boss. It's the other American dream; self-employment can provide good to excellent income, while you write your own schedule, and make all the decisions involving the operation of your business. But, if you are smartly cautious, you may also be fearful about what the future will hold; being your own boss means that...

Understanding how mortgages workWhen you choose to finance a home, the property loan is called the mortgage. The amount of the mortgage, also known as the principal, will be determined by the price of the property, minus the down payment. A larger down payment will reduce the amount of the mortgage, and will result in smaller monthly payments. The principal is reduced gradually with each monthly payment. Your monthly payments will be mostly interest in the...

It's just an unfortunate fact that health care costs are on the rise, and the cost of health insuranceis rising along with it. Millions of families currently go without any type of health care coverage, and health care costs are often at least partially responsible for about half of all bankruptcies. The leading reason for these families to go uninsured is simply the high cost of the insurance premium. When you don't have much expendable cash,...

Contributions to your HSAA Health Savings Account (HSA) can be a great health coverage option for the right person. In combination with a high-deductible health plan (HDHP), an HSA can offer flexibility, tax benefits, and catastrophic coverage. Once you have enrolled in an HSA-qualified HDHP, you can set up your HSA with the financial institution of your choice. Your health plan provider is required to have a trustee available for you to set up an HSA,...

Health Savings Accounts were signed into law by President Bush on December 8, 2003, as an effort to put consumers back in charge of their health care, and to make health coverage more affordable for the uninsured. The HSA provides a way to save for future medical expenses, or can be used to pay for current health care needs. Contributions to an HSA are tax-deductible, and so HSAs are commonly thought of as a health IRA....

It would be great if we had the security of knowing that we would never lose our job, never require major medical care, and never let our debts get the best of us. But life throws a curve ball every once in a while, and sometimes debts become out of control. It can be very stressful to worry about how to pay the bills when you don't know how you're going to maintain the life you...