THESE ARE THE CRUCIAL HOURS. FOCUS.

What Is Benjamin Graham’s “Mr Market”?

One of the most famous classroom characters for Warren Buffett was one that Benjamin Graham created during his time at Columbia University – Mr. Market. In this article, I briefly describe who Mr. Market is and why he is important.

Real-Time Access to Your Business Financials

Tina (not her real name) is in the top 10 percent of her industry and has been in business since 1998. Tina has used the same CPA firm (let’s call it ABC) since her business’s inception. She typically sends her check registries, along with all bank and credit card statements, to ABC.

Roth IRA Withdrawals – Is It Worth It?

There are huge benefits when you include a Roth IRA as part of your retirement planning. Even though you don’t get the same immediate tax benefits from a Roth as you do with the traditional IRAs, the Roth has many withdrawal benefits. These may be even greater tax savings than you’d see with the traditional IRA.

Tragedy of Savings Accounts and Why Governments Compensation Scheme Does Not Work

Lets us start from the factual information that under FSCS (Financial Services Compensation Scheme) since 2001 FSCS has paid out 4.6 million customers £26 billion to those who have lost their savings or investments to companies which have been covered by the scheme. However let us break down the figure.

Bounce Back From Bad Checks

If you are still collecting checks in-house using traditional letters and phone calls, it is time to stop chasing down money you have already earned. Today, savvy merchants outsource collections to a service provider that combines electronic technology and traditional methodology.

Retirement Planning Books

Planning for retirement is something that we all know that we need to do, but it is also something that a surprisingly large number of people neglect to do. While Social Security is available to all wage earners and will provide a small amount of income during retirement, it would be a huge mistake to rely on Social Security benefits as your sole source of income after you leave the workforce. The amount that you’ll receive monthly from this government program is barely sufficient to live on if you happen to reside in a city with a very low cost…

Retirement Planning – A Must Do For Everybody

There are a lot of people out there who for one reason or another have yet to start thinking about or planning for their retirement. We all know that it’s important to build up some sort of retirement savings in order to allow us to live comfortably and independently once we leave the workforce, but unfortunately, many people really don’t know where to begin. If you haven’t really begun thinking about investment vehicles as a way to save for your retirement, now is the time.

Is A Roth IRA The Only Choice For Retirement?

One of the first things to consider, when thinking of retirement planning, is the variety of options available. Since many employers these days offer a simplified employee pension, this is what most people choose, but there are numerous other options that must be considered if you are going to get the most out of your plans for retiring. There is another popular plan that is often selected by employers and that is the Simple IRA.

Retirement Planning Is Critical For Everyone

Retirement planning strategies are crucial if one wishes to reach this point in life and still be able to live the same kind of lifestyle. The place to start is with determining how much you will have to put back to meet those needs. Here are some critical elements that should be considered during this stage of life.

How to Open a Roth IRA

Hide How to Open a Roth IRA Anyone doing retirement planning should investigate the potential use of a Roth IRA, to supplement other income. For those with company backed retirement programs such as a 401-k or a pension, you can earn a higher income and in many cases still qualify for a Roth. If you already have a traditional IRA, you can still open a Roth.

Make The Most of Your Children’s Money With The Best Junior ISA Funds

Whether it is Christmas, Birthdays, Christenings or a ‘Well Done’ for passing their exams, more and more people are avoiding wasting their hard earned cash on unwanted gifts for their loved ones and instead are giving money to children so that they can ‘save for something they really want’ instead. However a lot of the time, children receive more money than they actually need for the latest plastic tat or new boy band memorabilia, so why not make their money really work for them and select one of the best junior ISA funds that are now available to store their…

Don’t Be Caught Out With Your Fixed Rate ISA

A fixed rate ISA is an incredibly effective savings tool. Not only does it provide you with a guaranteed rate of return on your savings for a given period of time but it does so in a tax free wrapper that enables you to enjoy growth and income from your investment without the taxman receiving a penny for themselves. As the ISA is such a tax efficient method of saving for the standard individual tax payer, then why is it that it has recently been estimated that over 80% of ISA account holders do not regularly monitor…

Can Trade Associations Guide You To Good IVA Advice?

If you’re considering starting an IVA you may think that an individual voluntary arrangement is a kind of “product” that can be obtained from any number of firms. In fact the sources of IVA advice and IVA services are varied in many respects. In this article we discuss the reassurance that you might receive from choosing a source of advice that is a member of one of the debt advice trade associations.