Finance Globe

These days it seems like busy is the new black, but your inability to say no can come with side effects beyond being tired and stressed. Leading a busy life can have a negative impact to your credit in ways you never realized. You forget to pay your credit card bills on time. When you’re too busy, deadlines continually come and go. If you’re a busy person, you’ve undoubtedly missed a payment or two because of...

You can spend your money on whatever you want, but some purchases are better than others. Anything you can do to boost the value of your home is well worth considering. But here is the question: which projects generate the most bang for your buck? Well, here are the top seven investments (in no particular order) in regards to boosting your home’s value: 1. Landscape Makeover Not only does this improve the curb appeal of your...

So, you have a tax refund coming your way? Or maybe you already received this money from the IRS, state, and/or local tax authority. In this case, you have a big decision: what will you do with the money? While some people immediately spend the money, others realize that it’s probably in their best interest to save. But this leads to another question: what is the best way to save a tax refund? There are a...

Growing a garden can be very rewarding, providing you with food, flowers, and a beautiful landscape all season long - but buying an instant garden at full retail can be very costly. Fortunately, it's easy to cut your costs if you have patience and keep your eyes open for opportunities. Here are a few tips to get you started: Buy smaller woody plants. Cut costs on permanent landscaping by starting with smaller trees and shrubs and space them according...

The thought of buying a new car is exciting, until you realize you have to negotiate with a pushy salesperson. At that point, you begin to wonder what you were thinking. Would you be better off with your old vehicle? If you are interested in buying a new car, if you don’t want to go through the hassles of negotiation, here are a few things you can do: 1. Start online. Use the internet to not...

If you qualify for a zero percent APR balance transfer, you have a chance to pay off your credit card balance with absolutely no interest. But even with a no interest promotion, your balance transfer can come with some costs. Minimizing these costs is key to making sure the balance transfer benefits you. Balance transfer fee. Most credit cards tack on a balance transfer fee automatically when you move your balance from another credit card. The typical...

If you are buying a home for the first time, the process can be overwhelming (to say the least). Not only do you need to find the right home, but it’s likely that you will require a mortgage to complete the purchase. Nobody wants to choose the wrong type of loan. Furthermore, nobody wants to get hooked up with a mortgage lender that doesn’t have their best interests in mind. That being said, here are seven...

If you are interested in an FHA loan, you are not alone. But before you can apply for and take advantage of this type of loan, there are a few things you need to know.Here is how Zillow defines an FHA loan: “An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Nowadays, FHA loans are very popular, especially with first-time home buyers because the requirements are less strict than...

The IRS estimates that approximately 10 million taxpayers wait until the last days before the deadline and millions more will request an extension. If you haven't filed yet, you may be relieved to hear that this year tax returns are due on April 18th instead of the usual deadline of April 15th due to the observation of Emancipation Day. Residents of Maine and Massachusetts have until April 19th due to the observation of Patriot's Day. The...

Do you find yourself searching for and learning more about a variety of credit card offers? Before you do anything, such as making a final decision, there are a few key details to address. By answering these questions, you have a better chance of finding and applying for the credit card that best suits your situation: •    What type of credit card is best for you? •    Is your credit good enough to qualify for most...