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When is the Right Time to Borrow Money?

The decision to borrow money, either through a loan or by using a credit card, is a decision that many people make without really thinking about it. While in an ideal world we’d never need to borrow, the reality is that most of us can and will be in debt at some point in our lives. But is there a right time to borrow money? And if so, when? Do You Really Need the Money? The first thing to look at is your need to take out a loan or make a purchase on credit. Is it an essential purchase that must be made immediately, such as major repairs to your home, or is it a luxury item which you could afford if you just saved up for a few months? It’s also worth looking at alternative ways of getting what you need. Maybe instead of going for that brand new 4K TV you could pick up a decent HD one second hand from Gumtree. Being smart with your purchasing decisions means you can often avoid unnecessary debt. The Right […]

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The Difference Between Sound Investment Advice and Public Perception

For anybody who likes to read and learn about investment, it’s no secret that there’s a big difference between public perceptions of investment strategy and the stuff that advisors would typically recommend. If you read this blog, you’ve hopefully learned some truly helpful strategies to maximize dividends, while minimizing risk. But there are a lot of people out there who don’t know the first thing about how to do this. That’s not to say that they’re not smart people. Most people could comprehend these things, but they’re not taught in school, at least not the kind of schools that most people go to. For the rest of us, we’ve got to spend some time learning the basics of sound investment. Otherwise, there’ll be big differences between the stuff we think we know and actual sound investment strategy. Here are some examples from a recent Lottosend poll. This poll was performed in the UK, hence the slight difference in terms. But you’ll quickly see that the folks’ perceptions of investment are pretty closely related to the things that regular American people think. Investment Type / Percentage Property Investment / 33.40% Tax free […]

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