short on cashflow

Archive for the ‘Investing Basics’ Category


Nov 2009 29

How to choose an investment broker

A broker, also known as a “registered representative” or “account executive” is the one acting between a buyer and a seller.  Generally, brokers work for a brokerage or...

Oct 2009 13

Is There Any Right Amount of Debt?

No ‘one-size-fits-all’ advice is likely when considering the right amount of debt to acquire.  However that doesn’t mean there are no good strategies at all. As expected, credit card...

Oct 2009 12

About Student Loans

Few areas of credit are as elaborated today as that of student loans. There are many types, with plenty of terms, complicated setting, and fine print. ...

Oct 2009 11

Unsecured VS. Secured Loans

Together the lender and borrower are faced at the outset with a critical decision – to get a loan that is either secured or unsecured.  But, what does...

Oct 2009 10

Tax Implications In Your Debt Calculations to Consider

When examining financing options or debt handling issues a lot of people overlook to include the tax implications of one plan over another.  Including tax implications in your...

Oct 2009 8

Are Low Interest Credit Cards Worth Using?

Certainly, the title is an overstatement on both sides. Credit cards are neither your redemption nor a destroyer. They are a tool, and how you use...

Oct 2009 7

Understanding Interest Rates and Inflation

Inflation causes tomorrow’s dollars worth less than today’s. That makes borrowing more eye-catching to borrowers, but lending less attractive to lenders. In order to counterbalance, lenders...

Oct 2009 7

What is an IRA?

Debt is directly tied to savings – the more you do the first, the less you have for the latter. On the contrary, the more savings you...

Oct 2009 7

What are Individual Voluntary Agreements?

In the UK there’s an official name, IVA, for the agreement between a debtor and a creditor to rework debt terms.  The U.S. may not use the name,...

Oct 2009 7

How to Manage Debt

The first step in managing any crisis, and excessive debt is no exception, is to focus on facts. Here, that means finding out how much you actually...