Posts Tagged ‘personal finance’

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Portfolio management services are availed by many

Saturday, April 30th, 2011

Portfolio management services are provided by portfolio managing companies. There are many companies is India which provide such services. One of the most famous is Sushil Finance who provides these services. Sushil Finance is very efficient in providing these services.

 

Portfoliomanagementservices are services which help manage the portfolio. A portfolio investment is an investment by a foreigner in a country. It can be a purchase of stock and bonds also. Portfolio investment is usually also done as venture capitalism in projects which need capital. Many investors are today looking out for investing their surplus in good projects which can give them fixed and lucrative returns. Portfolio investment can also be done in the manner of sale of assets.

 

Portfolio management services help prevent certain risks. They tell their clients how to manage their portfolio investment. It is usually recommended that portfolio be diversified. One can invest in only one country’s economic markets. One may invest in different sectors. But the effect in all the sectors will be somewhat same. So if there is a loss in one sector, there may be losses in every sector. This will lead to huge collective losses. But on the other side if the portfolio is diversified it can sustain risks. One must have portfolio investments in various countries and various sectors. This will help to minimise the investment risks. This is because if there is a loss in one country there will a profit in some other country and this will help to balance out if there are economic losses. But one thing to remember is that diversified portfolio investment may have a risk of foreign exchange risk. Portfolio investment can also be done by buying stocks only or stocks and bonds. This is known as international diversified portfolio. This helps to reduce the risks and usually bonds will not face losses.

Portfolio management is in demand today. It is availed by many.

Portfolio management is used by investors from mutual fund, pension funds, hedge funds, banks etc. they are the main participants and most of the international diversified portfolio investment is done by them.

Article Source: http://www.articlesbase.com/personal-finance-articles/portfolio-management-services-are-availed-by-many-4703649.html

About the Author

Sushil Finance provides excellent environment and services for equity trader whether he is an investor or a day trader. to know more visit here : http://www.sushilfinance.com

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How Can You Cope With The Rising Age Of Retirement?

Saturday, April 30th, 2011

Experts are fairly confident that by 2020 the average age of retirement will have risen to 66.  This number, I’m sure, comes as no to surprise to anybody who has followed the economic health of the nation.  But this number may still be alarming to those individuals who are planning on retiring in the next five to ten years.  So what can you do if you’re a little uneasy about being able to retire?

It is important to remind yourself that when considering retirement you’re not faced with a strictly bilateral decision.  For most individuals the choice isn’t just between retiring or continuing to work full time in their current position, although many people approach retirement with this mindset. Retirement advisers encourage individuals to consider all of the options open to them.  When deciding whether or not you should work in your retirement you should consider what your hobbies are, what you’re good at doing, what you would like to do, what you would like your schedule to look like and what your financial situation looks like.  Once you’ve answered these questions you may want to consider inquiring with your current company as to whether or not they will have a position which fits your needs in the near future.  If they don’t then you may turn to other companies or even consider self-employment.  The benefit of self-employment as a transition into retirement is that it gives you full flexibility with your schedule.  It also allows you to follow a career path which interests you.  Working into your retirement can really be an opportunity to do something you love.  Just because you don’t have the funds to retire does not mean you cannot find another way to supplement your income.

Kristi Essick of the Wall Street Journal showcased a few individuals who did just that.  Gail Marlow Taylor spent most of her career as a medical technologist, and when she began to consider retirement she decided she wanted to do something more with her life.  So, she decided to pursue one of her life passions, history.  Ms. Thomas had always been interested in history and thus decided to apply to a Ph.D. program in history at the University of California Irvine.  She is currently taking classes, teaching undergraduates, frequently travels to Europe on scholarship to conduct research and is in general very happy with her decision to pursue a second career in education.  Paul Giannone worked with computers for most of his career but never felt like he particularly fit the job description, so he decided to retire early and pursue a new life path.  His true passion in life was pizza.  So, after conducting a lot of research and perfecting his pizza making skills, he opened up a pizzeria and is now infinitely happier with his position.   Happiness and fulfillment are the theme of Essick’s article, and should provide individuals who are discouraged by the thought of working into their retirement with the inspiration to view their situation as an opportunity.

Another career option available to individuals who are looking to supplement their retirement earnings is becoming a franchisee.  As a soon to be, or already retired individual you may find that you have a vast wealth of business knowledge and good credit.  If this is the case and you are looking for a second career, you may want to consider opening a branch of a successful franchise.  The first step is considering what industry you’re interested in and what your community needs.  You should also consider the risks inherent with opening up a franchise.  There are of course start-up costs and there is always the risk that the business will struggle.  It is also much harder for somebody who is older in age to recover from an economic setback.  But, if you have the economic cushion and the business skills to make the business a success, it is definitely an option to consider.

When faced with how to supplement your retirement income consider your hobbies, your strengths and what your financial situation is like.  Retirement can be a great time to pursue a new passion and turn it into an enjoyable career.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/how-can-you-cope-with-the-rising-age-of-retirement-4700643.html

About the Author

Robert Boroff is the Managing Director of Reaction Search International Marketing Recruiters Sales Management Headhunters a leading sales and marketing Executive Search Firm that assists both U.S. and International firms recruit all levels of sales and marketing experts Globally.

The Executive Search Consultants at Reaction Search International Executive Recruiters Sales successfully placing top performing candidates since 1995.

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Car Loans Bad Credit: Tips and advice on getting them

Friday, April 29th, 2011

A personal car is one of those assets that most people value the most. Without a car, they would be unable to commute comfortably from their day to day lives engagements. However to own a personal car, a substantial amount of money is needed. Some of us may have saved the money, so there won’t be any problems financing the purchase. While to others they will definitely approach a lending company in order to fiancé the purchase. Nevertheless, some of them have such a bad credit history that lenders will think twice before helping them out.

Fortunately, due to the fact that a car is such an essential necessity, most of lenders are willing to risk it and give out Car Loans Bad Credit to every applicant as long as they can proof their ability to pay back the advanced amounts when they fall due. While these loans are a risk to the lender, they are hugely popular with the borrowers. Furthermore, these loans are normally secured, thus they can repossess the pledged item if a borrower fails to honor the repayment agreements.

When requesting for a car loans bad credit, the applicant should understand that they only qualify for a subprime loans. This means that the loan’s interest rate will be higher and terms and conditions stricter. The reason for this is that the borrower is a huge monetary risk to the lender due to their bad credit status, than an applicant whose credit records are superb. Most lenders are willing to give out car loans bad credit if the borrower is willing to make a sizable down payment during the car’s purchasing time. The larger the payable down payment, better the chances of availing the loan product. This is because the loan will be less risky to the lender. A large down payment proves to the lender that the borrower is more committed and lessens their money losing risks. Moreover it helps to apply for a loan with a down payment. This is because in most instances, the lenders are more wiling to give a lower rate of interest if a down payment is made when purchasing the car. Using a co-signer who has a good credit standing may increase the chances of getting availed with the requested loan amounts.

If you must get external financing to towards the purchase of your car, then pick an inexpensive one. This way the total financing will be lesser, thus will becoming more affordable. Of course, improving your credit rating greatly improves your odds of snagging a decent car loan while having a bad credit rating. If your credit score is below 600, then you may receive an interest rate of up to eighteen percent. However, having a higher score receives better interest rates. Thus attempting to increase your credit score by at least 40% to 50% points before applying for the car loan is quite recommendable.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/car-loans-bad-credit-tips-and-advice-on-getting-them-4697799.html

About the Author

Markson Loother is writer of Car Loans no credit check.For more information about car for sale no credit check, no deposit cars for sale visit http://www.carloansnocreditcheck.info/

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California Prenuptials: Marry In Haste, Forge Debt Relief In Leisure

Friday, April 29th, 2011

Given the unfortunate economic conditions of our state, the concerns of cost conscious newlyweds thinking about prenuptials will more likely toward their eventual debt relief needs than any worries over investments or shared property.

For states like California that feature such a large and dynamic population, there’s arguably no such thing as a typical prenuptial agreement.  Depending upon the relevant household income at the time of the split, the just and formal determination of even a few thousand dollars in credit card debt could make quite a difference in terms of the financial security of the newly divorced.  Much as thinking about the worst case scenario may be the last thing that any prospective bride or groom wants to consider while planning what’s supposed to be the happiest day of their lives, one cannot ignore the overwhelming statistical evidence suggesting that the majority of even those unions entered into with the best of intentions are bound to end in separation.

Love requires a certain suspension of disbelief, sure, and, in the rush to avoid bankruptcy, a refusal to share any aspect of the household earnings with your loved one could well spur onward lingering feelings of resentment.  Mistrust over matters of domestic economics could easily become a perpetual source of discord.  All the same, in the weeks and months leading up to the ceremony, it would be a mistake to not at least ponder the past borrowing history of your presumed life partner and question whether or not some degree of enlightened debt relief (debt settlement negotiation, say) would be advisable prior to the blessed event.

If, to take one common example, the prototypical good provider – fundamentally stable, unbroken employment, healthy savings account, top tier FICO credit scores, and a minimum of credit card debt – allows opposite financial instincts to attract, what initially sparked romantic inclinations could also be its undoing.  “If you’ve spent most of your adult life stuck in responsible patterns of spending and always made sure there was enough money on hand for emergencies, it might be fun for a while to take a walk on the wild side, but you’re going to eventually end up returning to your old habits,” says Vivian Coutier, a longtime financial planner for couples in the greater Los Angeles area.

Looking beyond the heights of passion that originally led to your engagement, “you’ll find that the most successful marriages understood from the beginning that they were entering into something like a business contract with their proposal, and, for any enterprise, you need to be completely open with your partner about your own needs and expectations.”  More than anything else, Coutier adds, you need to be utterly transparent about your current levels of consumer obligations and the realistic chances that some degree of credit card debt relief or even debt settlement would be necessary before fully enjoining destinies.  “It’s really easy to start lying about your credit card debt – or even dodging the truth – so you don’t disappoint your fiancée, but the truth will come out.  For couples serious about making their marriage work, the bride or groom holding excessive debts should not only agree to a prenuptial, they should insist on it!”

Article Source: http://www.articlesbase.com/personal-finance-articles/california-prenuptials-marry-in-haste-forge-debt-relief-in-leisure-4693920.html

About the Author

My name is Cole I am a professional in the financial fields of bankruptcy and debt settlement.

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Budget management software

Thursday, April 28th, 2011

Many people and self employed small businesses are in financial difficulties at the moment due to a variety of reasons and may need to consider a budget management software or budget manager software.  The reasons why some families may need to budget can come down to such issues as, redundancy or job loss due to no fault of their own, but are a victim of the current economic downturn and credit crunch.  Other factors may include an increasing family, a increase in standard or variable mortgage interest rates, the cost of living and shopping for food and clothing has increased with the cost of oil, fuel and cotton on the increase, and taxation such as VAT and other taxes on the rise.

For small businesses, downturn in trade, or increased cost of raw materials can also be contributing factors.

Each of these elements can affect the purse strings of the modern family or small business and thus income that once covered all the bills, invoices and outgoings no longer seem to do so.  Debt and borrowing on credit cards may also be on the increase and you may need to pay careful attention towards every penny that you are currently spending .

If this sounds familiar, then considering a budget management software may well help you work through your short term and long term finances.  By sitting down and opening up those unopened bills that you are afraid to look at, you can get an idea of what money is needed to go out and clear these bills along with what money you have coming in.  From here you can then plan your repayments and you know what cash is spoken for, and what if any, money is spare each month outside the essential gas, electric, mortgage, food and water bills, so to help with your budgeting.

These money management or budget manager software systems once you load in your numbers can provide you with the stats that you are looking for in order to review your financial situation and see any forthcoming issues. You may then get the chance to correct any spending errors, or at least allow for them and alert the necessary financiers in advance and maybe make alternative arrangements.

Not able to draft such documents yourself? There is a product which has the layout and money documents drafted for you for 2011, to see more information and product terms and conditions, go to the budget management software, take a look here.

 

Article Source: http://www.articlesbase.com/personal-finance-articles/budget-management-software-4692155.html

About the Author

Lucy DeVere, full time mom and entrepreneur, writer of budget management software

article and How to hack the stock market review

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