We are living in a society of consumerism. Prices skyrocket, demands multiply; the only thing that remains static is your income. How to survive in a consumer society keeping a control of the expenses?
Personal finance is all about planning your finance. You need to keep a budget in every step of your life. Start from the household budget and categorize the household expenses as follows.
- Fixed expenses – These are monthly bills to be paid such as rent, telephone, cab...
Mortgage Refinance or Home Equity Loan – What’s the Difference?
Many people use the terms mortgage refinance and home equity loan interchangeably, but the two are not the same thing. Before you consider one or the other, be sure you know what your lender is referring to.
Making Cold Calls Count
Cold callers are the bane of most of our lives. I do not know how they manage it, but cold callers manage to make our phone lines busy just when we are expecting an important call. And most cold callers refuse to let go of the phone lines unless you tire of being polite and rudely bang down the phone. The business of cold calling is such that a cold caller has to get used to phones getting banged on his ear. It is the twenty-first century equivalent to doors being banged on t...