When you are hiring a contractor to complete a project on your property, you need some kind of reassurance that the contractor’s job will leave you happy with the work they have provided. Performance bonds are a little like a form of reassurance when you are hiring a contractor you may know nothing about. While most property owners and clients know that getting a contractor who is bonded is important, most don’t understand what a performance bond actually is.…
Having a credit card can give you a lot of freedom. If you happen to be low on cash you have the security of knowing that you have a backup plan in place which can cover any expenses that might come up. If you’re looking to get a new card it’s important for you to get one that will work for you. Credit cards are about so much more than simply charging against your future or building up a credit score: They can be a ticket to a better financial situation as well.…
Making the decision to purchase a new home can be exciting. Finding the right property can take a lot of time and effort, so you want to ensure that you are prepared to move quickly in order to place an offer once you find a home that meets your needs.
Taking the time to have your mortgage lender prepare a pre-approval letter before you start looking for your next home can be beneficial.…
If you have found yourself in a short term financially rough situation, you might need to find a way to get some cash in your hands until your next payday. Whether it is to buy groceries for your family, replace a tire on the car you use to get to work, or to pay an unexpected bill, you may be able to obtain one of the options for payday loans in your area.…
If you have been named as the guardian of a disabled individual, you may need to take out a guardianship bond. This is a type of fiduciary bond, and it offers a lot of advantages to both you and your ward. Here’s a closer look at the advantages:
1. Fiduciary Bonds Protect the Financial Interests of the Ward
When someone is a ward of another individual, the guardian has a lot of power over the ward’s finances.…
Your credit is something that can affect numerous parts of your life, but the biggest problem bad credit can leave you with is trouble getting a home mortgage. If owning a home is a dream you have, you should know that it might still be possible for you to get a loan even if your credit is bad. Before you rush to a bank to apply for a loan, here are three things you should know.…
Unfortunately, if a super fun vacation gets out of control, you can find yourself handcuffed and arrested. If that happens, keep in mind that you are not the only one – plenty of people get arrested in the middle of their vacations. However, to minimize disruption to your life, you should keep these tips in mind:
1. Hire an attorney before your arraignment
In most cases, the morning after your arrest, you go to an arraignment hearing.…
Recent surveys have found that roughly four out of ten Americans are unprepared for financial emergencies due to a lack of savings or a high debt-to-savings ratio. If you feel insecure about your current financial status, you may wonder how you will deal with a financial emergency. While you are making plans to deal with emergencies, understanding the difference between a crisis, emergency, and disaster can give you a better idea of where you stand and what your next steps should be.…
If you are starting a home business, you are probably wondering what options are available to you for funding. While you may be able to apply for and get grants to support your business endeavors, grants for private business are few and far between and typically require extensive documentation. For this reason, many people look to loans as the source of immediate funding to get their business off the ground. There are basically two types of loans you can take advantage of for your home business: personal loans and business loans.…
When you think of investing, your mind probably goes to stocks, government bonds, or buying shares in a start-up company. However, one of the oldest methods of investing, and surprisingly, one of the least understood methods, is buying gold. The basic idea behind investing in gold is buying the gold, or buying shares in mining gold, with the hope that it will gain value as time passes, like any asset. However, there are a few things that many people believe about gold that just aren’t true.…
