Financial Management

Debt Management

Credit solution in 37 days

How to Save Money

Clampdown on car finance commission ‘to save drivers £165m’

Car finance brokers can currently be paid higher commission when customers pay higher interest rates. The Financial Conduct Authority (FCA) says this provides an incentive for brokers to set higher interest rates, putting customers at a disadvantage. Now the FCA wants to ban this type of commission, in a move it says would save consumers £165 million a year.  It also wants to introduce new rules to make sure different types of credit brokers, including car finance […]

Read more

Should you rent or own your home in retirement?

Q. I divorced five years ago at age 55 and am now trying to decide when to retire. I’d like it to be sooner rather than later, but I need to determine whether I should continue paying a $300,000 mortgage into retirement, or sell my townhouse and pay out monthly rent that exceeds my current combined monthly mortgage and property tax payment. Are there any guidelines for making this decision?–Karen A. Everyone knows that you “should” try […]

Read more

‘I cut my bills by £100s after being made redundant by Thomas Cook – here’s how’

He was able to get his Sky TV package down to £13/mth from £23.50/mth, as well as a £50 credit on his account, plus the cancellation of an admin fee he could have been charged for sorting out the new deal. Plusnet offered him two months free on his broadband contract. He also cancelled other subscriptions and cut monthly outgoings to slash his bills by £170/mth. Martin said: “You have to be persistent. The trick is to […]

Read more
Credit solution in 37 days

How to Invest Money

6 Ways to Save Money on Rental Real Estate in 2019

By: Kara Perez Updated: September 27, 2019 Does HGTV have you ready to jump into owning properties, flipping homes, or just wanting to add more real estate to your investment portfolio? It’s understandable; home ownership is part of the American Dream. For generations, real estate investing has been touted as a fairly solid path to wealth. But it often comes with a high price tag. Real estate investing is almost always more expensive to get started in […]

Read more

WTF: Where are the factors?

Investors increasingly are using factor strategies, but you wouldn’t know it from their portfolios. Where are the factors? My colleagues and I have about the fact that factors are long-term drivers of investment returns.  Given this, it’s no surprise that investors are increasingly adopting factor strategies in their portfolios. In fact, we’ve seen record inflows YTD with over $18 billion in investments in iShares Factor ETFs. Logic would follow that investors’ portfolios exhibit meaningful factor bets or […]

Read more

What Are The Dogs of the Dow 2019

By: Miranda Marquit Updated: October 9, 2019 One of the most popular strategies for individual stock pickers is investing in stocks known as the “Dogs of the Dow.” This strategy gives you a no-fuss way to invest. And it makes it easy to rebalance your portfolio each year. Here’s what you need to know about using the Dogs of the Dow as an investing strategy… as well as a list of the Dogs of the Dow stocks […]

Read more