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What is Debt Settlement, and when is it Useful?

Millions of Americans live life under the shadow of their debt. Living life paycheck to paycheck and handing over huge chunks of your salary to creditors each month is a sad reality for many, and often it can feel like there’s no way out. If you’ve got more debt than you can realistically pay off, one of your options is to enter debt settlement negotiations. Settling a debt basically means that you persuade a creditor to accept a final payment from you (the consumer), which is less than the amount you owe. This, however, is easier said than done. It…

An Efficient Accounts Department is Essential for a Business

Any business owner will testify that a key priority for them is the generation of profit but without a proper handle on finances operating a business successfully is just not possible. This is where an accounts department comes in, and an efficient finance department is essential for the running of any business, from a small operation to the largest multinational. The financial running of a business is by no means limited to keeping tab of monies coming in and going out. It also includes payroll provision, the preparation of financial reports, and the putting in place of financial controls to…

Economic Indicators You Should Be Keeping an Eye On

Whether you are a finance professional like Larry Polhill or just interested in protecting your retirement nest egg, it is important to understand for yourself some of the most important indicators of the health of the national economy. Only with this information can you make informed decisions not only about your investments, but also about major purchases like property and cars, or about whether the time is right to start a new business, job or family. You don’t need to be an economic to make sense of these indicators, thankfully. Here are the basics that you need to know. Interest…

Top Tips For Cutting Your Spending and Making Your Finances Healthy Again

We are just one month into the new year and this is the crucial time of the year when the resolutions that we made at the end of last year are starting to wear a little thin. One plan which most of us make is to fix our finances, especially after perhaps a little overspending during the holiday season. It is important then, that as we hurtle on through the year, that you stay strong when it comes to your financial promises which you made at the beginning of the year. Here are some tips to help you stay on track…

3 Ways That Daily Monitoring of Your Financial Accounts Saves You Money

If you’ve ever had a time when your finances were not in the best shape, it’s possible you’ve felt a deep fear when you think about checking your bank account balance. Many people know about that sinking sensation. They’re worried that, when they check, they’ll find that they’ve overdrafted. While this kind of trepidation makes sense, there is good reason to check your financial accounts daily, even your credit and brokerage accounts. Here are some of the ways that this constant vigilance can help people on all points of the financial spectrum. You’ll Uncover Unknown Fees and Expenses. Most people…

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