Lorem Ipsum

Lorem Ipsum

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Donec vel libero at lectus rutrum vestibulum vitae ut turpis. Ut ultricies pulvinar posuere. Nulla rutrum, libero nec pharetra accumsan, enim leo blandit dui, ac bibendum augue dui sed justo. Interdum et malesuada fames ac ante ipsum primis in faucibus. Duis sit amet fringilla mauris. Ut pharetra, leo id venenatis cursus, libero sapien venenatis nisi, vel commodo lacus urna non nulla. Duis rutrum vestibulum ligula sed hendrerit. Ut tristique cursus odio, et vulputate orci fringilla nec. Proin tempus ipsum ut augue consectetur, in varius dolor bibendum. Proin at dapibus nisl.

Aliquam purus lectus, sodales et est vitae, ullamcorper scelerisque urna. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Nulla feugiat, nunc nec gravida varius, nisl tellus dictum purus, a tristique purus lectus eget orci. Vivamus faucibus diam erat, vitae venenatis neque convallis vitae. Etiam eget iaculis arcu. Duis id nisl sapien. Aliquam erat volutpat. Interdum et malesuada fames ac ante ipsum primis in faucibus. Quisque luctus lorem a odio congue auctor. Suspendisse potenti. Nunc convallis, ante sit amet lobortis eleifend, orci dolor lacinia diam, quis luctus ante magna non sem. Phasellus pretium aliquam enim, a suscipit elit sodales vel. Proin tincidunt quis

How to Calculate Required External Financing With Dividend Payouts

How to Calculate Required External Financing With Dividend Payouts


A growing company generally gets working capital from two different sources: the cash flow that the business generates and additional capital from external financing sources. When a company pays dividends, it diverts some of the cash flow that it generates back to shareholders, increasing its required external financing. Below, we’ll go into some of the details in coming up with required external financing.

The general idea behind required external financing
When a company seeks to boost its revenue, it typically needs to assess the short-term impact on its financials from growth initiatives. In general, additional funds will be needed to achieve growth. In simplest terms, the amount of external funds needed will be equal to the expected increase in assets at the higher sales level, reduced by the immediate increase in liabilities stemming from the initiative, and further reduced by any increase in retained earnings.

The increase in retained earnings is dependent on how the company handles its dividend payments in response to growth. Many companies look to target a specific payout ratio, maintaining the proportion of its profits that the company chooses to pay out

Help Me With My Finances 5 Tips to Keep Your Finances and Life Simple

Help Me With My Finances 5 Tips to Keep Your Finances and Life Simple

fvThis is a guest post by Stevie Clapton. If you need help with your finances, this article will show you how living a frugal lifestyle can help you simplify your finances and life.

New times call to new models, and one of these models is being frugal.

When it comes to living a frugal lifestyle, it is all about balance, but while it can be easy to maintain a balanced well-being, it is often hard to manage a financial balance.

Prudent saving and spending is the key to keeping your finances and life simple and worry free, but to achieve this goal it is necessary to take a minute or two of self-introspection to find if what you are doing now contributes to living in frugality.

1. Understanding What A Frugal Life Means

As opposite of what the real terms means, many people think that living frugal is living in total dissipation and careless attitude about just anything, including finances.

Frugality really means restraining from extravagant expenditure and living habits, avoiding lavishness or waste of resources, trying to economize in the use of consumable resources, and being prudent with financial and

Shipping Perks The Way to Shoppers Hearts and Wallets

Shipping Perks The Way to Shoppers Hearts and Wallets


It’s only September, but the holiday shopping season has already begun.

Many retailers have already decorated their stores and unboxed items for Christmas gifts.

So where are Americans planning to shop this holiday season? A survey from Pitney Bowes found that most Americans plan to do their holiday shopping both in-store and online. Although big holiday sales are typically an effective way to drum up business, online retailers who want to lure customers to shop in their stores could also benefit from expanding their shipping options.

According to the survey, a variety of shipping alternatives is the best way to shoppers’ hearts and wallets.

“Options are no longer a privilege during the shopping experience. This holiday season consumers will expect the ability to choose their preference,” Christoph Stehmann, chief operating officer of Pitney Bowe’s digital commerce solutions, said in a statement. “Retailers must focus on offering diverse options — whether for shopping channel, shipping and return methods or even promotional offers — in order to attract consumers throughout their shopping experiences.”

More than 93 percent of consumers — a 23 percent increase from 2014 — said that the

Attempts to describe the Forex market

Attempts to describe the Forex market

Currency exchange Forex is the most popular way to make money trading currency online today on the Internet. Many scientific papers and articles, forums and portals dedicated to the science of behavior on make money forex trading. https://freshforex.com/partner/partnership/ Foreign Exchange Market, especially in forex trading service – it has its own special, largely unpredictable environment laws which tried to understand the functioning of many researchers.

Popular Forex theories

  • William Gann Theory
  • Theory Henning Murray
  • Theory Andre Duka

All of them were trying to look at trade from a different point of view. Does it get?

Gann Theory.

WD Gann was initially not too successful broker and early career had lost almost all his savings, and now the name of the speculator is associated with incredible intuition, attention and a sharp mind.

Gunn invented special circles and squares for different time intervals. Tracing in the corners of the square at different angles, the trader receives a full picture of the trend. The most famous Gann Square of 9, which is the subject of several scientific papers.

Also great trader took advantage of forex analysis … astrology. Of course, he did not watch the stars, transferring them to the laws of the market movement. He took the concept of astrological

Stop Spending

Stop Spending

Tips and tools to help you fight yourself

Sometimes waving a MoneySaving magic wand and changing all providers isn’t enough. Two further simple words are needed… Stop Spending.

Whether you need scaring or tips, want mantras or help cutting back, this guide and the frightening Demotivator tool will help tackle those spending demons.

Need scaring into this?

Martin met a good middle-class family for a media money makeover. First, they admitted shame at £60,000 credit-card debt, a sum that mathematically would take them two years of after-tax income to repay even if they’d no bills to pay or food to buy.

Yet what they initially hid from Martin, and themselves, was a further jaw-dropping £120,000 of their mortgage had originally been splurged on plastic then shifted onto the home loan.

That’s £180,000 overspending in less than a decade, yet these weren’t obviously profligate folk. Like many, they’d simply stumbled into the trap of wrongly believing they were wealthy and tried to give their family the best. Inevitably, solving such gargantuan financial indiscipline just takes two simple words….


That’s easy to say and a nightmare to do. Yet in their case an abrupt spending defibrillation was the only way. To get them back on track, they needed

Managing Your Personal Finances As An Entrepreneur 14 Tips from Leading Experts

Managing Your Personal Finances As An Entrepreneur 14 Tips from Leading Experts

There’s no doubt about it that being a successful entrepreneur requires a lot of expertise in a lot of different areas. Arguably one of the most important aspects to becoming a successful business owner is having your finances in order; after all, with no money, you’ve got no business. So, to help aspiring entrepreneurs take their next step towards building their empire, we’ve asked 16 expert entrepreneurs for their best piece of advice for managing your personal finances. Here’s what they had to say:

1. Diversify!

“Diversify. Diversify. Diversify. I know that’s canned advice you would hear from almost every other “financial expert,” but it rings especially true for entrepreneurs. Here’s something you might not want to admit to yourself: your entrepreneurial venture has a greater chance of failing than succeeding (gasp!). By diversifying and placing funds into another side business, alternate investments, or just setting aside cash, you will give yourself breathing room in the event that you have to call it quits or need to pivot to another business. In my own experience, I have been able to diversify into other ventures that operate independently of each other and that has led to constant growth and more exciting opportunities.”–Jeff Rose,

7 Frugal Habits Everyone Should Develop

7 Frugal Habits Everyone Should Develop

One of the most direct way to change your life, you need to change your attitude.

No one else is responsible for what happens to you but you, so you can either complain about the things you don’t like in your life or you can set about changing them. Not surprisingly, this directly relates to the state of your finances.

If you’re tired of living paycheck to paycheck, having your phone regularly cut off, or making excuses to skip dinners with your friends, then you can use these seven habits to take control of your money situation and live a happier and more frugal lifestyle.

Habit One: Be Proactive

The first habit to develop is to take responsibility; if you fail, you have no one to blame but yourself. Regardless of how you were raised or how you were treated at school, you can choose your behavior now. Being proactive means understanding that YOU are in control of your day-to-day interactions, and thereby, the direction your life takes. This is in stark comparison to a reactive person, who is often affected by their environment and will find external sources to blame for their behavior. For example, if the weather is good, they’re in a good

The 9 Steps I Took To Get My Finances Back On Track

The 9 Steps I Took To Get My Finances Back On Track

As the youngest daughter of two borderline baby boomers, like many other Generation Yers, I grew up watching my parents spend cash faster than they made it and had no concepof financial planning whatsoever.

When I scored my first full-time job after college, I’ll never forget the rush I felt seeing all those numbers fill up my bank account. I bought new furniture for my apartment, stocked my closet with fancy new work clothes, and spent paydays filling my shopping cart on Amazon.com.

Ten weeks later, my entire department was laid off.

At that point, I had no savings, my credit score was crap, and I had absolutely no backup plan. I scraped by for two months with a few freelance jobs until I took a $10,000 pay cut just to get by.

Things finally turned around, and a couple years later, I found myself in the same place as many of my friends in their mid-twenties. We’re paying rent comfortably for the first time and are able to start building our nest eggs. The problem is many of us have no idea how to start doing it.

Rather than turn into some sort of cautionary tale for future generations, I decided after my last birthday that I

5 Ways You’re Wasting Money

5 Ways You’re Wasting Money

When you were young, and if you got an allowance, your parents probably told you not to waste your money on candy, comic books, video games or some other equivalent whenever you tended to go overboard on purchases.

But as you quickly figured out, what is a complete waste to some people is a perfectly reasonable purchase for others. Still, it’s hard to argue with Joan Fradella, a West Palm Beach, Florida, resident when she says, “Our garbage dumps are filled with purchasing mistakes.”

Fradella, who used to be a purchasing agent for a consumer electronics company before co-founding a divorce mediation company, says everyone should think long and hard before whipping out their wallets.

“There are reasons we don’t give credit cards to toddlers. We shouldn’t treat our hard-earned money as if it is Monopoly money,” she says.

Still, since there is no rule book for what constitutes a waste of money, everyone has to go with their gut.

And, of course, there must be a million ways consumers can waste their money. So this is not a comprehensive list of possibilities for throwing away your income.

Credit cards. While many consumers use credit cards wisely, lots don’t – and there are certain cards you shouldn’t

How to Get a Credit Card After Bankruptcy

How to Get a Credit Card After Bankruptcy

After a person has been made bankrupt, the first thing they want to do is to rebuild their credit rating. This will be necessary if you want to get a mortgage or a car loan. Having a credit card is an important step in rebuilding your credit rating. However, you will quickly realize that bankruptcy limits your options for obtaining a credit card. How long you will have to wait before you can get a new credit card after declaring bankruptcy depends on the issuing company. Be sure to read the conditions for any new card you’re offered very carefully. You may find that you have very limited credit facilities, along with high fees and interest rates [source: Total Bankruptcy]. Read here to learn how to get a credit card after bankruptcy.

  • Apply for a secured credit card. You will be required to open a savings account before you’re issued this type of a credit card, because the credit card debt will be secured by the money in the savings account. If you don’t pay your bill, the credit card company will use the money in the savings account to cover the debt. This choice is for when you feel

How to Negotiate a Mortgage Loan Modification

How to Negotiate a Mortgage Loan Modification

Negotiating a mortgage loan modification allows you to adjust your repayment schedule to meet your current circumstances. When negotiating a mortgage loan modification, you have several options:

  • You can negotiate through a government-sponsored program.
  • You can negotiate through a service.
  • You can negotiate directly with the lender.

If you decide to go it alone, here’s what you need to do to ensure successfully negotiating a mortgage loan modification:

  • Have the name of a reputable lawyer at hand, in case you need advice along the way.
  • Gather all the pertinent information before starting to negotiate. This includes the reason you want to make the modification and a description of the desired modifications [source: Negotiation Requirements].
  • Make sure you’re financially capable of meeting and maintaining the terms of the modifications. You will have to prove your financial status by providing pay stubs, records of expenditures, a recent bank statement, and income tax returns for the past two years [source: Mortgage Loan Modification Regulations].
  • Ask your lawyer or bank about any laws, requirements or guidelines you should be aware of before beginning negotiations.
  • Prepare your terms of negotiations. Be ready to offer the lender a specific interest rate, monthly payment, number of loan payments, collateral, etc.
  • Choose an arbiter. Decide with the

What are the differences between the various chapters of bankruptcy

What are the differences between the various chapters of bankruptcy

In Title 11 of the United States Code (the Federal Bankruptcy Code), there are four bankruptcy filings:

  • Chapter 7 – Liquidation
  • Chapter 11 – Reorganization
  • Chapter 12 – Adjustment of Debts of a Family Farmer with Regular Annual Income
  • Chapter 13 – Adjustment of Debts of an Individual with Regular Income

The filing generally depends on the person’s financial situation. Reportedly, the most common filing is Chapter 7. Companies, married couples and individuals are allowed to file Chapter 7.

A debtor filing Chapter 7 is essentially scrapping everything and starting over, hoping for a clean financial slate. Basically what happens is that once the filing is underway, an administrator or trustee is appointed to maneuver the sale of the debtor’s assets. This does not necessarily mean that everything the person owns is sold. Both federal and state laws allow for certain exemptions, meaning that the debtor might get to keep some property, such as his or her primary residence or personal items like clothing. Once the debtor’s assets are liquidated, the trustee pays certain creditors a portion of the money raised. Obviously, not all of the creditors receive money from the proceeds, so many of those financial obligations are “forgiven,” or discharged. Once someone has

Will bankruptcy affect my spouse’s money

Will bankruptcy affect my spouse’s money

Your relationship has been a model of marital harmony, with one important exception: finances. The economic downturn took a toll. You were laid off from your job and bills began to pile up. To make matters worse, you got sick and ended up in the hospital for a few days — without the benefit of health insurance. When you did eventually find a job, it was for far less pay than you expected. As bleak as your financial prospects became, the situation was rosier for your spouse.

Your partner’s employment held fast during the Great Recession. Good health prevails and bills are being paid on time. What he or she can’t manage on his or her salary is paying your bills, as well. So you decide to file for bankruptcy. The only question is: How will your bankruptcy affect your spouse’s money?

It all depends on whether you and your spouse entered into joint agreements, whether on bank accounts or loans. If you have a joint checking or savings account, the funds in that account will be fair game during bankruptcy and can be used to pay creditors to satisfy what you owe.

If you and your spouse have a loan in common,

10 Traits That Make You Filthy Rich

10 Traits That Make You Filthy Rich

NEW YORK ( TheStreet) — Saving money isn’t all about whether or not you know how to score screaming bargains.

It has more to do with your attitude toward money.

Just think of those who don’t fit the filthy-rich stereotype. People like Warren Buffett. As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people’s traits as it does with money. Many millionaires, in fact, have frugal ways. Understanding how personal traits can influence your finances is an essential ingredient for building wealth. Here are 10 key traits:

10. Patience

Patience is one of the most important traits when it comes to saving money. This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit. Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.

9. Satisfaction

When you’re satisfied, there is no reason to spend money on nonessentials. The sole

10 Commandments of Personal Finance

10 Commandments of Personal Finance

NEW YORK ( TheStreet) — For some people, getting personal finances in order is more grueling than wandering the desert for 40 years.

But it doesn’t take a miracle. If you are looking for some basic guidelines, just follow these 10 commandments:

10. Thou Shalt Take Action

Reading about how to improve your personal finances is a start, but it has absolutely no meaning if you don’t take the action of putting what you learn into motion. Before you can get anywhere with your personal finances, you need to begin — right now. If you are reading this article, you know that you should be taking steps to get your personal finances in order. Print out this list and place it where you will see it every day, so that you are reminded that personal finance is a priority in your life and that you will take some action each and every day to try to improve your lot. If you aren’t sure where to begin, start with getting your banking accounts in order.

9. Thou Shalt Pay Off All Credit Card Debt

Credit card debt is, in most cases, the No. 1 enemy to your personal finances. It can have a

10 Financial Lessons for a Richer Life

10 Financial Lessons for a Richer Life

NEW YORK ( TheStreet) — Let’s face it, personal finance isn’t nuclear physics.

The basics are so simple that anyone can get the concepts down in less than a day — spend less than you earn, save and invest the rest.

Knowing what should be done and actually doing it, however, are two different things. Most people realize that spending more money than they have is a bad, bad thing. That still doesn’t keep millions of people from racking up credit-card debt. Here are 10 money lessons I wish I had known when I was 20 (I’m now 42 years old), which also have the power to change your life if you are able to embrace them.

10. Money Doesn’t Buy Happiness

I knew this in my heart when I was younger. After all, who can’t hum the tune of the Beatles song Can’t Buy Me Love? But my head often countered it in real life. It took me several years of working in a large corporation making good money, but not enjoying my job, to finally get it through my head that money in itself does not make you happy, and the accumulation of money will do very little for

10 Reasons You Aren’t Rich

10 Reasons You Aren’t Rich

NEW YORK ( TheStreet ) — The reason why you aren’t a millionaire (or on your way to becoming one) is really quite simple. You probably assume it’s because you aren’t earning enough money, but the truth is that for most people, whether or not you become a millionaire has very little to do with the amount of money you make. It’s the way that you treat money in your daily life.

Here are 10 possible reasons you aren’t a millionaire:

10. You Care What Your Neighbors Think

If you’re competing against them and their material possessions, you’re wasting your hard-earned money on toys to impress them instead of building your wealth.

9. You Aren’t Patient

Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn’t wait until you had enough money to purchase something in cash, you are making others wealthy while keeping yourself in debt.

8. You Have Bad Habits

Whether it’s smoking, drinking, gambling or some other bad habit, the habit is using up a lot of money that could go toward building wealth. Most people don’t realize that the cost of

8 Financial Mistakes to Avoid When Building a New Home

8 Financial Mistakes to Avoid When Building a New Home

Even if you love where you live, if you own a home that you purchased from someone else, you’ve probably looked around your house before and wondered: “What was the builder thinking?”

But not everyone goes that route. Plenty of people pay to have their home custom-built. In other words, some homeowners are the builder — or at least, they’re the ones pulling the strings and making the hard decisions on how small or big their residence should be and what features it should have.

And if that’s what you’re doing, you don’t want to look around your house someday and wonder: “What was the builder thinking?”

So if you’re spending money on a custom home, keep these eight things in mind.

Have the details in place before you start building. That means not just knowing how the floor plan will look but knowing how the rooms will be designed, says Jonathan Macias, a real estate broker and the president of the Macias Realty Group in El Segundo, California.

“Designing a house seems easy, but the amount of choices out there can be overwhelming for many. What color tile, what size, what pattern, will it match with the walls, what cabinets will go with

This Is How to Make the Most of Your Health Benefits

This Is How to Make the Most of Your Health Benefits

What’s the difference between an FSA and an HSA?

The answer I got from a millennial colleague was simply: What’s an FSA?1

With benefit open-enrollment season looming, corporate employees need a better answer than that to make the most out of their benefits. After all, with wages largely stagnant, benefits are the new salary.

Increasingly, employers are adding high-deductible health-care plans (HDHPs) to their lineup or making the plans their sole option2. The plans are often used in tandem with health savings accounts, or HSAs, which let workers use tax-free money for medical expenses. That helps bridge the deductible gap and lowers taxable income.

Whether you choose a HDHP or have no choice but to join one, here’s what you need to know about the plans and HSAs.

How is a high-deductible plan different from a traditional plan? 

What’s covered in the plans is largely the same—you still get many preventive-care visits for free. But in an HDHP, you pay lower upfront premiums than on a traditional plan in return for having a higher deductible. And when you’re in one of these plans, you become eligible to open a health savings account (more on that later).

With premiums, how low is low? 

The average monthly premium for a single employee in a large employer’s high-deductible, HSA-eligible health-care plan