We have made the case for investing versus just saving money many times here at The Savvy Scot. Why? Returns. Simply put, these days a “high yield” savings account will give you 1 or 2% interest per year. That is barely enough to keep up with inflation. On the other hand, the S&P500, an index… Read more
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Benefits of Buying Tax Liens Through an Online Auction
As is the case with just about any investment, there are a range of ways you can go about purchasing a tax lien certificate. A tax lien certificate is placed on a property by the government when the owner fails to pay their property taxes. Purchasing the lien certificate gives you ownership of the debt… Read more
Credit Poor Advice: Should You Apply for Wonga Loans?
Have you thought about applying for a short-term loan? You probably have! Nowadays, most people tend to consider going down that road every now and then. Financial difficulties are affecting most families, and monthly expenses are taking over most of their salary. Whether you intend to reimburse a persisting debt or you are short on… Read more
Need to raise money for a project? Try Leetchi
I remember back when I was in high school, we were always trying to pool money for this or that. A girl’s birthday, a teacher’s gift at the end of the year, a school day out,… and more than once, there were tensions and problems. Like that time I had 10 friends pledge £10… Read more
Success Starts with a Goal: The Mainstays for Mastering Your Personal Finances
Keeping on top of your finances can feel a bit like spinning plates and it only takes a lapse of concentration or something unexpected to go wrong and everything starts collapsing around you. If you would rather feel like you have greater control over your money you need a plan. Here is a look at… Read more
Saving goals: how to reach them?
(source https://www.pinterest.com/pin/498351515000011632/) Very few people would disagree that saving money is really hard. It requires commitment, patience and emotional stability – traits by far not all of us possess. And still, there is one more thing that makes the process of saving money so long and difficult. Surprisingly, this is lack of specificity. In… Read more
Is It Really Gambling if you Know what you Have to Do to Win?
Millions of people all over the world try their luck in various forms of gambling day after day. Some of them buy lottery tickets, others head out to the races and place a bet. Some play slot machines at the Royal Vegas Casino, others spend weekends in Vegas, spicing up their fun time with a… Read more
5 home improvements with a great ROI
Independently of your plans to stay in your home for the time being, or put it on the market, making improvements on your property is something you should consider. As of now, it will make your home more pleasant to live in, and in the future, it will increase its value for potential buyers. There… Read more
Getting Rich Slowly: Low-risk investments
When we think of investing our money, many of us imagine Wall Street, with millions and millions made and lost each day. For many of us, this thought is frightening and makes the whole investment business feel like gambling. It’s this idea of stress, gambling, and losing big, that puts a lot of people… Read more
Top Tips on How to Improve your Credit Rating
A credit rating is a score that is used by lenders to help them decide whether you are a worthy borrower for the loan being requested. It is used to assess the risk involved in extending that credit to you. Various information is taken into account, including your employment status, address history and current outstanding… Read more
How to Make Sure a DUI Does Not Ruin Your Life
Driving Under the Influence (DUI) of alcohol or drugs is serious offense. Yet, many of us tend to underestimate our tolerance when it comes to drinking and driving. Maybe you had a couple of beers at dinner and think that you were unaffected. Or maybe you have gone through a sobriety checkpoint unscathed and this… Read more
Fast turn around careers for recent grads
Becoming a recent graduate is mixed with enthusiasm and fear. You have finished your education but you are unsure whether you will find a job in good time. Some careers have better prospects than others, though. This guide is going to show you some fast turnaround careers for recent graduates who want real prospects. Computer… Read more