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Published: 09/12/2011 by David Martin in Personal Finance
The economy has been in flux for several years now, and the tumult has taken a toll on many families and individuals. Regardless of how the economy is performing, however, there is one thing that’s almost always a major drain on the checkbook—namely, monthly insurance premiums. Naturally, consumers wonder how they can save big when shopping for insurance, but are there any steps you can take to legitimately cut costs?
Saving money is a difficult task, especially for those of us who may be living paycheck to paycheck. Though it can be a bit inconvenient, the truth is that saving your money is an important part of securing a financially stable existence. Though it may seem impossible, there are several small things you can do to save some extra cash.
Published: 09/12/2011 by Thomas Klein in Personal Finance
For most of us in Charlotte NC, it’s the most dreaded season of the year—but it doesn’t have to be as bad as you might think. We all have to pay taxes, of course, but there are steps you can take to get more money back at tax time. It won’t necessarily make tax season your favorite part of the year, but it might at least make it a little less painful!
Buying a home is a major financial commitment, so it’s understandable that many prospective homebuyers look for ways to keep costs as low as possible. And to be sure, there are measures you can take to ensure that you’re getting a good value. For some buyers, that means investigating foreclosure. Buying a foreclosed home can sometimes be a little trickier—both finding and purchasing the homes is a little more complicated than it is with traditional home sales—but the advantages are numerous.
Having to file for bankruptcy is not something anyone ever plans to do, nor is it anything that should be done except as a last resort. It’s a drastic action, and it can be a complex and disorienting one, at that. For this reason, many wonder if enlisting the services of an attorney is necessary for filing bankruptcy. The answer to this is no—but with a major caveat. While it is legally permissible and technically plausible to file for bankruptcy without a lawyer, it is generally not advised. Th
Published: 09/09/2011 by Thomas Klein in Personal Finance
The daunting task of saving for retirement looms over every professional, but actually doing it can be a challenge. How are you supposed to pay all your bills, take care of your family, put money aside for emergencies, save for your yearly family vacation, and save for your retirement? A good financial advisor in Charlotte may help.
Planning for the future is important, but, for anyone who isn’t an absolute expert on finance and economics, it can also be quite daunting. When there are retirement accounts and college funds to juggle, to say nothing of the many other kinds of accounts, debts, and investments you might have, planning for a stable and prosperous future can actually be quite challenging. That’s why many people enlist the professional services of a financial planner—but how do you find a good financial planners,
Weatherization. Make sure your house is tightly-sealed and prepared to maintain its temperature without needlessly losing hot or cold air. In particular, you might check for any leaks around window frames, baseboards, switch plates, and electrical outlets. Use caulk or weather stripping to seal off any air leaks.
Owning a vehicle isn’t cheap. In addition to the initial cost of buying the car—and making monthly payments, in many cases—there is also the matter of regular maintenance. Oil changes, tire rotations, and mechanical tune-ups can really add up. On top of all that, there’s the cost of car insurance. Having auto insurance is utterly essential, but it can also be rather expensive. Thankfully, there are a few things you can do to keep those car insurance bills as low as possible.
Being a homeowner in Charlotte comes with plenty of pros and cons—including both financial perks and financial drawbacks. Certainly, nobody would argue with the fact that owning and maintaining a home costs money, but on the plus side, there are plenty of opportunities to save on taxes. But exactly how does a Charlotte homeowner maximize his or her tax savings? Here are a few quick tax tips that any homeowners should know.