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Personal and Business Finances

Plan the Life You Want

As is often quoted, the best laid plans of mice and men often go astray. But, that is not an excuse not to plan. Planning is all about the things you can control, and at the same time being aware of economic, social, and business trends that will affect you and your family.

Financial Trends

fiancial trendsMany financial trends sneak up on us if we do not keep up with the news both in general and in business. Even if we are not involved in a business directly, business trends have an effect on everyone's lives. For example, automation that will extend into our every day lives and will likely affect the way we live and work.

The best way to keep up with trends is to read reputable newspapers and magazines which should include career related trade journals. You can also find blogs online that discuss subjects in your field.

Jul 20, 2022
VA Mortgage for Vets and Current Military
No Money Down
Now might be the time to cash in on one of the best benefits of military service. More info...

Jul 18, 2022
Student Loans | School Year 2022- 2023
Apply Online
More info...

Jul 16, 2022
Student loan payments will resume on September 1, 2022
An Opportunity to Review Your Debt
This may present a good opportunity to restructure your debt by refinancing. There is also some hope that part of your debt will be forgiven. That would only apply to government subsidized loans, not to private loans. Explore what private loans you can refinance with government loans to save on interest. More info...

Jul 14, 2022
Mortgage Insurance Disclosure
Sample Disclosure
As a condition to making your mortgage loan, the Lender is requiring you to obtain Private Mortgage Insurance (PMI) PMI insures the Lender for losses incurred should you default under your mortgage: particularly, PMI insures the Lender for that percentage of your mortgage loan that is in excess of 70%
for Non-Owner Occupied, 75% for cash-out refinances, and 80% for all other programs, of the value of the mortgaged property. Please note on the 80/10/10-loan program PMI coverage cannot be canceled for five (5) years, and on Investment Property Loans with PMI coverage, for seven (7) years. More info... More info...

Jul 8, 2022
Credit Cards as a Cash Management Tool
Excellent Record Keeping
In managing your personal money and your business funds, credit cards can be useful as both a money management tool and an emergency source of funds. Credit cards are useful as a money management tool since they provide a record of what you have purchased and can give you back cash bonuses.
Always keep personal and business expenses separate by using a different credit card for each. Always pay off the balances every month to keep from overextending. More info...

Jul 7, 2022
Florida Hotels and Vacation Rentals for the Fall and Winter Season
Europe is Chaotic This Year - Visit Florida
Labor Day Weekend, Halloween Horror Nights, Key West Fantasy Fest, Thanksgiving, Very Merry Christmas, Miami on New Years Eve. There are so many exciting events in Florida during these seasons, that you will not want to miss any of it.
Miami is truly an international city with fine restaurants, night life, beaches, and lots of sports teams. Families love to come to Orlando on the long Thanksgiving weekend and soak up the happiest place on earth. More info...

Jul 4, 2022
Planning a Trip to Florida?
Hotel Reservations are going fast in the Sunshine State
Now is the time to make those reservations for your next trip to Florida. You owe to yourself to head down to the land of sun and surf to enjoy a family outing. The beaches are open, the theme parks are open, and the hotels are ready. More info...

Jun 30, 2022
Online Pet Stores
Convenient, Safe, and Cheaper
Shopping online allows you to see many more products and to easily compare prices, not to mention the time and money saved by not having to drive around. Online pet stores carry all major brands and medications for all of your animals.
including dogs, cats, and horses.
Check out prices for flea control, grooming supplies, medications, dog food, and all pet needs including cheap horse tack and barn supplies. More info...

Money Smart News Continued...


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