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Privacy Policy for Money Blog

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Update
This Privacy Policy was last updated on: Tuesday, September 19th, 2017.

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Share Your Knowledge!

Financial literacy is something that everyone can benefit from. However, the issue is that people often don’t know where to look. Even worse is when people immediately shy away from the topic of finances because of previously held misconceptions. Those misconceptions can turn into deep financial troubles. Before things get dire, it’s important to get helpful information.

Now is the time to enact change! Money 3 is a blog that’s wholly dedicated to providing useful and factual tips regarding finances and loans. While one man’s experience is good, having several aboard is even better. As such, this blog is open to contributors and fellow writers!

If you believe you:

  • Have hands-on experience in financial employment fields
  • Well-versed on the nuances of financial literary
  • Have tried and tested positive financial advice
  • Understand that financial topics can be daunting
  • Have compassion and a drive to help others
  • Are able to suitably pen down your thoughts and ideas in a conversational and friendly tone
  • Are highly responsible and ethical regarding submissions

If it’s a resounding yes for the items listed above, Money 3 excitedly opens its doors to you!

Help me guide others through the maze of financial literacy. Together, we need to show them that there is nothing to be frightened of. The way to true financial freedom is through suitably arming yourself with necessary education.

If you’re ready and willing to share your first-hand knowledge about finances and loans, send a message to info@money3.com.sg.…


Smart Financial Steps That Anyone Can Start Today

If you’ve ever found yourself suddenly scratching your head over where your money went, chances are you have some pretty bad financial habits. In order to help you change that, today we’ll be talking about some smart financial steps that you—and basically anyone—can start right this day!

 

 

Tracking your spending

This is by far, one of the simplest steps you can do. By ‘tracking your spending’, this means literally tracking your spending. It’s easy to not see the high cost of the ‘little’ purchases since it’s done over time. When you track those down, it’s easy to see where your money goes and how to put a stop to the leak in your finances.

There are a lot of ways to about this step as well. If you’re more of a pen and paper kind of person, have a small notebook with you to jot down any and all spending you’ve done. If you’re more comfortable with tech, there are a lot of apps that are made specifically to help people track their spending.

Set up an automatic transfer for savings

This is something you can do online and it’s pretty great. One of the best ways to avoid spending all your money is to set up saving. With your bank, you can now set up an automatic transfer. Once your money comes in, it’ll automatically take a bit and move it to another secure account. You will be the one to dictate how much will be taken and how often it will be done.

This way, you’ll have a clearer idea of what you’re left with and you’ll be saving up without having to think about it once the setup is made.

Establish a budget and stick to it

Your money will be put to better use if you have a clear idea of where it should go. Other than tracking your spending, you should have a clear budget. This is usually a fun activity once you get used to it. Take note of your monthly earnings once the savings have been transferred. From there, plan how much goes to bills, food, gas, and others. You should also plan where personal spending should go.

This way, you’ll never be left in the dark again when it comes to your finances.…


Critical Questions to Ask Yourself before Getting a Personal Loan

As much as we don’t want it to be, loans are a very real fact of life. If you ever find yourself looking up loan, there are some very important questions that you need to ask yourself before you secure a personal loan. That’s what we’ll be digging into today.

 

Why am I borrowing money?

Before you even think about getting a loan, you need to be clear on what you intend to use it on. The idea of “in case of a rainy day” is a terrible reason to get a loan. There must be a determined purpose for your loan because you will be asked for it. A lending company will want to get a feel of your financial literacy before they allow you to borrow from them.

If they see that you’re only borrowing for the sake of borrowing, you’re more than likely get turned down.

How much will I borrow?

Once you’ve determined what you need the loan for, it is important to come up with a concrete amount. When you establish an amount, it’ll be easier to establish your lender profile. It also should be able to give you a realistic view of what you can and cannot afford to borrow.

Having a clear amount in mind will also help narrow down your choices for a lending company. You can start to shop around using their interest rates in order to determine what will be the best fit for you.

What type of loan will I get?

Yes, there are several types of loans. This is something that comes as a shock to most people. What you will normally come across is the concept of an unsecured loan. This is where you borrow an amount without having to put anything up as collateral. It is usually paid off in installments to a predetermined schedule as dictated by the lender.

Before you finalize the idea of getting a loan, you should look into the different types of loans. These will be:

  • Secured loans
  • Fixed Rate loans
  • Peer to peer loans
  • Variable Rate loans

It is important to remember that each type has its own pros and cons. This is why it is important to arm yourself with necessary knowledge before committing to a loan.…


Short term loan

A short term loan may be a terrific way to find some money and handle a problem which needs urgent care. Here’s a quick overview of what this loan is composed of and how you can be certain of receiving the best possible thing.

What’s the application procedure for a brief term loan?

The application procedure is a fairly straightforward one as much as short-term loans proceed. First, you must locate a moneylender that provides such loans this could be done online, there are lots of lenders’ sites who focus on these loans. Prior to going on another step, make sure that the selected lender is licensed and could be relied upon. Legitimate lenders that will supply you with funds to assist you’re there and be locating them is merely a matter of a couple of minutes so long as you understand what you do.

Before beginning with the application procedure, make certain that you match the requirement criteria at the most effective possible way. Lenders have a particular criterion in order to make certain you could repay the loan on time and without any problem. As soon as you’re certain of this, you can proceed with the short term loan program, that won’t require over a couple of minutes to be accomplished with.

What’s the advice to be supplied?

Besides basic information such as your name, home address, financial advice, and company, you’ll also have to supply your lender a couple of additional information, which changes from lender to lender. All this info is the way your creditor can make certain that the short term loan is supplied to you is satisfactorily backed, and supplying all the info shouldn’t be a rather lengthy procedure. When you’re finished with this, the lending institution will allow you to know whether it’s approved or not over a brief while.

After you’ve got an approval for your short term loan, then your creditor will contact you to acquire the information to your checking accounts. This is needed to send the money to you, and also the cash arrives with a couple of business days following the acceptance is granted. This will make certain you don’t need to wait too long to the cash and the whole goal of a short term loan isn’t wasted.

Understanding how to begin this procedure is the way you’re able to accelerate the full procedure for acquiring a short term loan. With easy processes, minimum prerequisites rather than lots of rigorous standards, obtaining such a loan to satisfy your instant demands is among the best alternatives which you are able to think about!…


Dispel the Fright: Let’s Talk About Financial Literacy

Have you ever found yourself completely at a loss when it comes to your money? Personally, I know what it’s like staring at all my receipts and bills and just wondering. Why wasn’t I taught anything about this in school?

Money isn’t exactly the easiest topic to discuss. It can be quite a touchy subject—however, it always in your best interest to be frank about it. It is important to approach the topic of finances with both eyes wide open. You do that by improving your financial literacy.

 

What is Financial Literacy?

The term financial literacy pertains to the knowledge and understanding of the varying aspects of finances. This is all about being able to manage any financial aspect you are in: personal and professional. Financial literacy covers topics like investment, real estate, taxes, budgeting, and so many others.

Why is Financial Literacy Crucial?

Everyone, sooner or later, has to deal with the concept of money. Sadly, it does make the world go round. Money is needed to purchase things and even pay off fiscal responsibilities mandated by law. If you are willy-nilly about your finances, you end up in dire straits that can affect every aspect of your life.

As such, it is important to know how money works and how you can make it work for you. When you educate yourself suitably about the topic of finances, it opens up so many doors for you. If you’ve ever wanted to be self-sufficient or independent, paying your own bills is the way to go. Financial literacy will help you suitably determine if something or someone will be a financial boon or liability.

Financial illiteracy is the direct root of every single bad financial spot you’ve been in. Financial literacy will help you condition a positive attitude and mindset about what you are able to do with your finances. Smart financial decisions are made when there has been sufficient educated thought put behind it.

In order to avoid debts or any decisions that put you down that path, it is important to arm yourself with knowledge on how to spot red flags in your fiscal decisions.…


How Capital Market and Money Market can differs?

The key elements that reveal the difference between capital market and money market is duration or time period that’s capital market prices in long-term funds and money market prices in short-term funds. Where SEBI is regulated by by capital market money Market controls by RBI.

To find out about Capital or Cash market we must comprehend about Financial Market. This is a location where sellers and buyers trade in financial assets like stock, commodities, currencies, bonds and derivatives. It’s many kinds another is money market and one of these is the capital.

Capital market: In this selling and purchasing is performed as a long-term investment where cash is supplied to get an extended time greater than one year. It’s high-risk and these are for stability and long term financial growth. In this agents price in equity capital and long-term debt in the type of public deposits, shares and debenture. Dividend rates or interest rates rely on demand and supply of securities as well as on stock market’s Sensex states. Capital marketplace can also be broken up into two parts.

Primary Market: In this buyer purchases the stocks the stock for the very first time. In this trade is created between investors and issuers.

Secondary Market: In this buyer purchases present stock from seller. It means investors sell or to get the securities that are prevailing. In this trade is created between investors.

One other significant section of this is stock and bond market.

Money Market: Here borrowing and financing are done for short term so; an investor who would like to place investment for temporary interval would go to the money market. The device with this is repurchase agreement, bill of exchanges, security loans, commercial paper, treasury bills, deposits and certificates of deposit. The interest rate is commanded central bank of any state or by RBI.…


Getting a Car Loan In Australia

Buying some type of vehicle or a car is most likely one of the most typical purchases in Australia now. In today’s world we travel around a lot, and having transport is a necessity more than it’s a luxury. But unless we’re cashed most people up won’t drive away and pay to get a vehicle, hop in and have the cash readily available to simply rock up to the neighborhood car dealer. We’ll have to borrow the money.

Is obtaining an automobile loan in Australia a hard process? Not generally. We shall look at some of the alternatives here.

Car Finance Poor Credit

In case you are in possession of a bad credit record not or where maybe you might have defaulted on financing in the previous paid a bill you must have, then perhaps you believe getting a car loan will probably be impossible. Incorrect. Lenders and these dealers and brokers completely understand your situation and consider you deserve another chance at financing. Why should we be punished eternally for mistakes from yesteryear? We shouldn’t be, that’s the point, and that’s what these lenders consider, too.

Help is definitely out there.

Interest Rates for Bad Credit Car Loans

So what exactly are for obtaining a car loan in Australia with bad credit the rates of interest? Well, that depends precisely on the lender and what type of loan and you qualify for or apply for. Because there is a greater threat attached to loaning money to someone whose credit history is not perfect, lenders tend to charge interest rates that are somewhat higher for these varieties of loans. Fear not, however. So don’t believe you won’t manage to afford the repayments to get financing in this way, the interest levels for loans to people with bad credit are still very competitive and highly manageable. You’re a reputable lender, although not borrowing from a loan shark.

All these are second chance loans and also the lenders are very sympathetic to your situation. They understand we each have made mistakes before plus they are willing to overlook that and only concentrate to the.

Low Doc Car Loans

Using a low doc car loan you are able to make an application for an automobile loan with very little supporting documentation. Maybe you’re don’t actually have some financial track record yet and youthful, or you’re self-employed and can’t generate tax returns and all of the financial statements of enterprises that are more established. This is where low doc loans come in really useful.

Low doc loans are another excellent substitute for allow you to get driving.…


How Bookkeeping Services Help Reduce Errors?

Errors record if maintained manually and can happen in the accounts. Computerized software give accurate results and can prevent blunders. Day to day trades have to be followed to control business expense that was extra and take prudent decisions for expansion and business growth.

Every company needs accounting to track the entire riches, profitability, and liquidity. Without suitable bookkeeping services, organizations will discover that it’s difficult to follow the daily and long-term decisions. A trained accountant keeps an eye on the budgets, gain reinvestment, and take prudent choices for business growth and expansion.

Bookkeeping is a must to assess the money that comes in and the money that goes out. It can help in by recording transactions, examining the books and dealing payroll and taxes. A computerized accounting software can show you reports of your expenses and gains are balancing and keeps the records. It also reduces the mistakes due to humans while recording the business transactions. There are lots of businesses in Ipswich who provide top quality accounting services to do planning for the tax season.

Business owners use bookkeeping and accounting services record to monitor and report financial information to the investors. It is possible to choose bookkeeping services as per your organization business operations or direction need for business information. Great books help to enhance total profitability of the company in a specified time span and operations.

A good accountant will help you save money, time and guidance can be taken by you for the most tax efficient method of running your business. As they know the changing and updated tax laws of the authorities in order to operate your organization functions economically.

Keep your paperwork and finance related records updated and kept to prevent last minute difficulty in computing the tax sum. A trained accountant tracks the daily expenses, be knowledgeable about the most recent laws handle the record keeping endeavor and ensures that they never miss a tax deadline.

An expert and good accountant would have been a great way to obtain advice helping in the growth and to develop your business. Manage the accounts receivable and payable by managing the cash flow management of the business. Prepare financial statements that are needed to track just how much profit or loss business has got in the year end.

The accounting system benefits business to organize your company year-end accounts, manage the money to cover the expenses, sort out your personal tax return, prepare returns, VAT computation entries, and check if any payments are due in the consumers or to recording bad debts department if money is not recoverable.

As the business enterprise owners often use budgets to trace the future business expenditures budgets really are a main part of management accounting. The main task of the accountant would be to produce budgets for the approaching year for the whole company. The budgets save the organization money through careful evaluation of cash expenditures that are essential and unneeded. If the business enterprise is running in loss afterward we must reduce the unnecessary expense to make the correct use of the amount of money.

Correctly kept records make the decision-making procedure easy. Get a definite understanding relating to company decisions and good records help make the quantitative analysis for various decision chances.…