Finance Globe Blog

Bankruptcy has the stigma of ending your financial life, but if you’ve been struggling with debt for months, or even years, bankruptcy can give you the fresh start you need to get back on your feet. Once your debts are wiped out in bankruptcy, it’s what you do next that determines your future financial success.  Make sure your credit report is accurate. Bankruptcy can stay on your credit report for up to 10 years, but won't take...

Are you in need of a new appliance, such as a refrigerator or dishwasher? Are you interested in buying an entire package, such as a washer and dryer? It doesn’t matter how many appliances you’re buying, there are tips you can follow to save a load of money. The first thing you need to do is change your mindset. Don’t assume that the only way to purchase appliances is to visit a big box store,...

It’s frustrating to find that your car insurance premium is on the rise. Not only will this impact your budget, but it may also lead to a situation in which you have to search for a new provider. There are many reasons for a car insurance premium increase, some of which you have control over and others of which you don’t. Let’s start by examining a few of the things that you can’t control: •   ...

In today’s day and age, internet access is no longer a luxury. Instead, most people consider it a necessity. With this in mind, you may find yourself searching for a reputable internet service provider that offers affordable pricing. Unfortunately, this can be difficult to come by. On one end of the spectrum, the most reliable companies always seem to charge an arm and a leg. On the other side, you can save a few dollars...

Your credit report has a major influence on your life. The information in your credit report is used for everything from your home purchase to getting a new cell phone to car insurance and even employment. A 2013, FTC report showed that one in five consumers has a credit report error. Sometimes errors are enough to hurt your credit score which leads to higher pricing and even denied applications. A credit report dispute is the...

Did you know there are approximately two million active real estate licensees in the United States? Or how about the fact that there are more than 85,000 real estate brokerage firms operating in the United States? With statistics like this, it’s easy to see that there is money to be made in the real estate industry. The average real estate agent earns roughly $44,000 per year, with some earning a lot more (well into the...

This might be common knowledge to many, but there are people who have asked me what the differences are in debit cards and credit cards. Also if you want to teach your kids, below can be a reference guide to discuss the differences between a debit card and a credit card. Debit cards look and feel similar to credit cards . They are issued by major banks, such as Bank of America and Wells Fargo,...

Most people do not want to organize their personal finances, but it is very important to do so. This helps you stay on top of your finances and it helps save you from disaster. It also can help your sense of well-being and provides you the information to make good financial decisions. Below are some tips and tricks to help simplify and organize your personal finances. Put together a budget and review it at least...

You have probably seen in the news lately, the discussions of proposed tariffs with many countries including China and Europe. While I will not discuss the political aspects of tariffs, I wanted to share a summary of what exactly a tariff is and how they could impact your wallet. A tariff is bascially a tax that the government places on imported goods. The tariff proceeds go to the government and a tariff is used to...

Many people, like myself, did not think saving early in my life was important. I figured I would be able to save later in life when my salary increased and would not worry about it. I never realized how wrong I was, and I quickly realized it is critical to start savings as early on as you can. While everyone may not be able to save in your early twenties, I would highly recommend to...