Money Infant

I don’t really watch all that much television, but when I do watch the occasional movie it sure is great to see the action (or comedy or romance) on a quality HDTV. The problem is that a large HDTV is likely to set you back nearly $1000 and that’s just as true here in Thailand as it is anywhere else in the world.

Imagine this TV in your family room

The giveaway for this amazing high def television is being kindly facilitated by the folks at Quote Me A Price, where it’s easy to sell my settlement, that is if you do have a structured settlement to sell.

The giveaway is running from May 1, 2013 through May 31, 2013 and is open to anyone anywhere in the world. The only catch is that shipping will only be covered up to $50. Get yourself signed up to win below:

a Rafflecopter giveaway

Having a TV like this will allow you to immerse yourself in whatever movie or series you love (my favorites are Game of Thrones, Hell’s Kitchen and of course football and basketball).

Every financial step we make is very important and can lead to very serious consequences. That’s why it’s necessary to avoid spontaneous decisions because later we may regret about them. But making mistakes is a part of life, only through making mistakes and wrong steps we can gain some experience which is priceless. There’s a short list of mistakes you should avoid to be happy with your financial life.

There are so many people who live only for today and don’t really care what will happen tomorrow. Maybe sometimes it’s the right thing but only not when you manage your finances. Money likes counting and managing and there’s no place for chaotic spending. Saving money helps you to be organized and confident in your future. Also it prevents you from borrowing and making debts. When you have some savings in your emergency fund you know that even if unexpected financial problem will arise you will be able to fix it. That’s why it’s necessary to have an emergency fund and save money.

Spending More Than You Earn

Such a behavior is a direct way to the debt. Yes, we all want to have a good life and spoil ourselves sometimes but despite all this we should stay realistic about our financial abilities. Don’t eat out or buy luxuries if you don’t have money for that. Set a budget and try to stay on it to avoid debts on financial problems. There are many different ways and tricks which allows us to be frugal even despite tough economic times. If your basic expenses requires more money than you make then the only thing you can do is to find a way to increase your income. Try to change your job or find something better or look for part-time online job which you can do in your spare time and which can bring you an additional income.

Not Thinking Of Retirement

We won’t stay young forever and there will come a day when we’ll be unable to work. And that’s why it’s necessary to save for retirement and think of your future. There are special retirement savings accounts which help to save for retirement. It’s wrong to live only for today and tell yourself “I’ll think about it later. I am too young to think of my old ages”. It’s impossible to be wealthy without doing any math. You should plan your expenses, save money and take care of your future.

Living Through Borrowing Money

There are lots of different lending options available today. And many consumers are struggling with their mortgages, credit card debt and other loans. It’s important to understand that making a debt is easy but paying back is difficult. That’s why it’s better to borrow money or use cash advance loans only if it’s really necessary and can be considered as a smart financial move. Don’t put all the expenses on your credit card and try to cover expenses using your own funds. When you have no debt you can be financially independent, set your goals and achieve them easily because you have no any disturbing financial commitments.

Getting rid of debt is often thought to be an uncomfortable and overbearing task. One for which, you will most likely need the help of a professional, of course, at a cost! The bad news is, you have debt and yes, it can get uncomfortable at times. However, there is good new. In most cases, you will not have to hire a professional! All you will need to do is buckle down and make financially wise decisions. With that said, below is a simple plan that I like to call Stacking Debts Away. Continue Reading →

I don’t normally talk about tax issues because other than at this time of year I don’t think much about them. However, in the spirit of the just passed tax season I want to spend a little bit of time examining how much taxes REALLY hit your finances. April 15th is famous as tax day and most people focus on their federal income taxes, but if you look deeper you will quickly see that your federal tax burden is the least of your tax worries.
In fact, for a median income earner, the effective federal tax rate is around 11 percent. And that doesn’t take into account the credits you receive if you are married or have children. The same individual with a spouse and two children is only paying an effective 6 percent federal tax. Continue Reading →

As you may or may not know, gold saw its largest losses in over thirty years Monday. The price dropped by nearly 10 percent in a single day to levels not seen in 26 months. The nearly $135 drop was unprecedented. So, does this mark a bear market for gold or a huge buying opportunity? Continue Reading →

Ah freedom, you’ve been waiting for this for 18 years. Now, you are responsible for yourself. You can come and go as you please and enjoy things that you were not allowed to in the past. However, with freedom comes responsibility. Now, you are financially responsible for yourself as well. This means that it’s up to you to create and maintain financial stability for yourself. One of the biggest tasks to undertake during this time is going to be building your credit score. With a good score, you can qualify for loans at low rates! You could buy a car, house or even get a credit card. But, what is the fastest way to build your credit scores? Follow these steps… Continue Reading →

This is a question that has been asked by many a person dreading the cost of their premiums while filling out their life insurance application. It seems easy enough just to tell, what seems to be, a little white lie that will trim the fat on your premiums, but it can, in fact, create a nightmare for you down the road. Continue Reading →

When planning for retirement, in many ways successful planning is a matter of projections. How much money will there be coming in and for how long? How much money will be going out in expenses and how might those expenses grow over time? Unfortunately, far too many people have no real understanding of what their incomes and expenses might look like after they reach retirement age at 65. Continue Reading →

Whether or not you have plans to take out a loan or apply for a new credit card sometime soon (not all credit cards are evil), checking your credit score regularly is a smart move. Reviewing your credit score is simply a way to stay informed about how prospective lenders will view you in the event that you do need to take out a loan (perhaps for a home or car), or wish to take advantage of an excellent credit card offer that will lower your credit card interest rate or provide you with valuable cash back or other perks. Continue Reading →

Obviously I can’t speak for healthcare costs in every country outside the U.S., but I would like to share my recent experience with the healthcare systems, and the cost for that experience. If you have ever had anything similar occur in the U.S. I’m sure you’ll be shocked. Continue Reading →