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Gagawa muna ako ng disclaimer. Ang article na ito ay opinion ko lamang na nakabase sa lahat ng mga personal finance at investing books na nabasa ko. Hindi ako financial planner at hindi rin ako investment professional kaya huwag mong basta basta susundin ang mga payo ko dito. Malamang magkapareho lang tayo, kaso nag-aral ako ng ilang mabuting investing books. Ngayon, kung ikaw din naman ay nakabasa at nagresearch sa mga magagandang libro, edi mabuti. Malamang hindi mo ganoong kailangan ang impormasyon dito. Kung wala ka pang nababasa, maayos na ring basahin mo ang article na ito para sa kaunti kang basic na impormasyong makukuha. Kakailanganin mo pa ring gumawa ng sarili mong research para mahanap ang investing style na magagamit mo.
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Alright, let me make a disclaimer first. This is article is merely my opinion based on all the personal finance and investing books that I’ve read. I’m no financial planner and I’m not an investment professional so take the advice here with a grain of salt. I’m likely just like you, except I studied a few good investing books here and there. Now, if you’ve ALSO read and researched some good books, then good. That means you probably won’t need this info. If you haven’t then just read this article for some basic information. You WILL still need to do your own research to find the investing style that works for you.
*Contributed by Eric Brown.
Financial management is a skill that many in the USA appear to have missed. The amount of credit card debt alone suggests that many regard their credit cards as a license to spend, often with little regard to whether they can afford the purchases. Consumers are paying a heavy price for the privilege of having a credit line and credit card companies are only too willing to profit from that. The high rate of interest they charge spells trouble for ordinary people who have not learnt the principles of good financial management and budgeting. Worse still, few seem to have the resources set aside to address a financial emergency. These things do happen and if people need to resort to even more card spending to address the problem, then their troubles are likely to worsen. Do you see yourself in this position?
*Contributed and sponsored by Hunny Sharma.
Owning a business is tough work. When difficulties strike, it can be hard to see a way out. Owing money can put a lot of pressure on any organisation.
Upper management takes the brunt of the pressure when the company is in debt, and not all professionals are able to endure it. To many, it seems like the only solution is to fold the company and file for bankruptcy. There are, however, alternatives that will appear for those who look for them.
Insolvency specialist BWA insists that in a lot of cases, businesses give up much too early. These experts claim that many organisations jump into liquidation before they’ve explored all options available. Very often, there are still other alternatives to explore. Indebted businesses may seem like they’ll always owe money and many lose hope because of it. Some approaches, however, may save organisations from trouble and revive them once more. [Read more…]
*Contributed by Andrew Altman of Slickbucks.
No one wants to trust their long-term financial security to a shady broker whose offered security-selling services may not be on the level.
Fortunately, there is an easy rule of thumb to follow when seeking out a brokerage that can fulfill your future needs: avoid any potential broker that doesn’t give you direct answers to your questions, and stick only with brokers that have information that is covered by various informational outlets.
You shouldn’t ever need to spend a lot of effort trying to affirm the integrity of a broker’s character, as the ones that are trustworthy always make that process easy for their clients.
Nonetheless, you should not rely purely on word-of-mouth to zero in on a broker that you can trust will properly sell you the securities you’ll need. There is a fairly involved research process that you should go through, but we explain in the following guide the best procedure you should take while going about it.