An ISA (Individual Savings Account) is a very good way to save money, mainly because they offer ISA account holders the opportunity to accrue tax-free interest on their savings. Those opening an ISA for the first time are likely to have some questions about how ISAs work. To make things a little clearer, here are…
This article is being contributed by Fred @ One Project Closer. Six years ago my wife, Kim, and I adopted twin 2-1/2 year old boys from Guatemala. The process took about 22 months from start to finish, and along the way we incurred a large number of expenses. I think that any adoptive family would…
Every other fall the best golfers in the world come together for the Ryder Cup. Being a golf fan this is one of my favorite times. The competitiveness and will to win for each team is always high. This year the US went into the final day with a commanding lead and what seemed like…
The value of hard work and persistence is ingrained early on in Chinese youth. Not surprisingly, this kind of preparation enables budding entrepreneurs to overcome obstacles including language barriers and financial hardship and turn them into golden opportunities. Triumph over adversity by dint of hard work is the secret behind every Chinese American Hero. Victor…
A diversified portfolio is one that will be better suited to weather financial storms. Most people make sure to include some stocks and bonds. Those who are a little better will include small cap, mid cap, large cap and international funds. Something that many people leave out of their investment portfolio is real estate. This…
When we are in our 20’s or even 30’s the last thing on our mind is having the right life insurance policy in place. Once your life starts progressing from single life to the stage where you have a spouse and eventually kids, this becomes more and more of a necessity. Making sure they are…
The benefits of frugal living are real. In time, a person really can take control of their finances, pay off bad debts, build savings, and drastically increase net worth simply by cutting out needless expenses and living a frugal lifestyle. Similar to building a small business, the idea underlying the entire notion of frugality, however,…