Are you 50 or older with little or no retirement savings? If so, you’re one of millions. Even if you had the best intentions starting out, financial setbacks, medical issues, putting children through college and other commitments may have left you without the resources to save for your retirement. It’s not too late to increase your net worth at retirement. Here’s how:


Prepare for the Future

No need to kick yourself by thinking about what might have been. Now is the time to figure out where you stand and how to move forward. The U.S. Department of Labor offers several interactive tools, worksheets and retirement calculators on its website for people between the ages of 50 and 70. You can determine your current financial health; calculate savings, assets and liabilities; and get retirement projections to help you move forward.

Increase Your Savings

High-interest debt drains you financially. Work toward paying off your balances with the highest interest rates first. Make more than the minimum payments. As you pay off each card, put the freed-up funds toward the next debt until all are paid off.

An easy way to save is to automatically send a portion of your paycheck to an interest-earning savings account. You won’t miss what you don’t see.

Did you get a raise? Don’t spend it frivolously. Put the extra money into a savings account.

Cut Expenses

Instead of buying a cup of coffee every morning, buy one on Fridays only, as a special treat. Do you eat out once a week? Cut back to once or twice a month.

Can you save on utility bills? Lower the thermostat in the winter and wear extra layers to stay warm. Make sure lights are turned off. Is your refrigerator ancient? Check with your power company to see if they have a program in place to help you replace old appliances with new, energy-efficient models. Little savings add up in no time.

Freelance or Become an Entrepreneur

You can make up for lost time by working a second, part-time job and saving your paycheck. Perhaps you have specific expertise that could be turned into an income-producing activity. You never know—you could become a successful entrepreneur and work long after normal retirement age doing something you love.

Love Your Car, Keep Your Car

Cars are expensive. Buying a new car every year or two places an unnecessary drain on your finances. That brand-new car loses value as soon as you drive it off the lot. Instead, do some research to find a brand that makes reliable, high-quality cars. Then look for a used model in good shape. Many dealers now offer warranties on used cars as well as new, so take your time to shop around. Have a mechanic check the car before you buy. Keep the car maintained and use it until it has to be replaced.

Is It Time to Downsize?

Perhaps you still live in the same home you did when you raised your children. Do you really need a large, four-bedroom house now? If not, consider selling and downsizing to a smaller home.

Some of these tips are fairly easy to follow while others prove more difficult, but they should give you hope that it’s never too late to increase your net worth for retirement, even if you’re almost there.


At a young age, you might have already pictured what kind of house you would want to live in as you become an adult. You might even have plans on how to decorate your kitchen or in which area to place your swimming pool. However, as you grow older, you realise that even buying a lot is not that easy. The cost is just too high. Between your daily expenses and monthly bills, you might think that buying a new house is close to impossible. The truth is that there are ways for you to reduce the overall expense.

  1. Look for a strategic location

Generally speaking, buying a house that is located in the middle of the city where everything is easily accessible costs a lot. However, you can search for a house slightly further from the centre of the city, but which is just within driving distance of key areas. It might be a bit further, but the prices are way lower. It is better if you choose a house from the said area since the key places are not that difficult to reach anyway. You also have to take note that properties located near key public transportation areas are also very expensive. Thus, it is better if you search a bit further away.

  1. Search for other options

Paying for the house in cash is not your only option. There are other ways for you to gradually repay the house without necessarily feeling the huge burden. You can seek help from a bank or lending firms to pay for the house first and you can repay them based on a repayment scheme that you agree on. You may also assume payment of the house owned by someone else who can no longer keep up with the payments. You just have to pay them a certain amount and they will legally transfer the ownership to you. You just have to keep researching.

  1. Get an estate agent

Of course, you need someone who has been in the industry for a long time. This person should know the ins and outs of real estate. He should have connections. He should know where to find exactly what you are looking for. He should show you different houses until you feel fully satisfied. You just need to find a good partner to work with and everything will run smoothly.

For now, you can check the houses for sale in Brentwood at and perhaps you will find the best one that matches your personal standards and your financial capacity. No matter how high the cost of real estate is, you can still become a homeowner with hard work and determination.


Online forex trading platform is basically an interface that is present between a broker and a forex trader or for that matter trader of any other security. Generally, these platforms are offered to traders that sign up with the broker. While few brokers offer the services for free, few others offer trading services that are chargeable due to the high end trading functionalities that the platform possesses.

In this write up, we will find how you can select a reliable forex trading platform so that you can do justice to your hard earned money.

Several trading platforms are available in the FX market, one prominent one being ETX Capital. They have earned a very good reputation in the forex arena owing to the excellent services it offers that include infographic information pertaining to trading tutorials, round the clock support, and a separate section on their website that can be referred to as a learning center on trading.

Given below are the main aspects that you need to look out for in a trading platform. Check these out.

  • Account deposit – Find out whether or not the trading platform is flexible about the amount that can be used as initial deposit. As a trader, you should be allowed to choose from among different accounts like micro accounts, mini accounts, and standard accounts depending on your convenience. A trading platform that is rigid about the same cannot be trusted.
  • Withdrawal and deposit – You will be required to adhere to the terms and conditions/policies of the trading platform when you sign up for their services. Find out what your options are as far as mode of payment for deposit is concerned and also that of withdrawal. Transactions are usually carried out by wire transfer, PayPal, personal check, bank check, or ACH clearance to name a few.
  • Customer support – This is perhaps one of the most important of all aspects. Since trading of currencies take place round the clock, customer support should be active any time of the day. Modes of communication include live chat, emails, and telephone calls.
  • Easy navigation and interaction – A trading platform is vital when it comes to trading securities. It should be user friendly, devoid of technical hitches and snags with clarity in the position and working of the buttons like ‘sell’ and ‘buy’.
  • Currency pair options – Another very important factor is what the options are as far as trading currency pairs are concerned. The major currency pairs usually include US dollar/Japanese Yen, Euro/US dollar, British pound/US dollar, and US dollar/Swiss franc.

If you find that the above mentioned aspects suit your trading preferences, you can go ahead with that trading platform.

Getting Car Insurance for a New Driver

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If you have a new driver in the house, or you’re about to, you probably have thought about getting insurance for them. If you’ve priced it out then you know just how expensive it can really be and just how much you should be shopping around to find a great deal. After all, it’s extremely important to have quality insurance on them, but you don’t want to spend a fortune on what’s considered one of the highest risk age groups.

Insure the Least Expensive Vehicle

When you insure each driver in your household you have to link them to a vehicle. What you might not know is as long as that child is living in the household, you don’t necessarily have to link them to the specific vehicle that they will be driving, only to one vehicle in your household. That means you can see which vehicle is going to be the cheapest (which is usually the oldest one) and register them as the primary driver for that vehicle. They are still covered for driving any vehicle in the household but you pay a whole lot less money.

Add Them To Your Insurance

This goes along with the last one somewhat but it’s also going to help them save a lot of money. If you add a new driver to your insurance you’re going to get a lower rate than they will because you already have a plan and because you’re bundling additional services. The company already knows and trusts you, whereas a brand new driver is considered a big risk that they may not want to take, at least not for a low payment. Adding them on to your insurance will help you both out a whole lot easier.

Check Discounts

Many dealerships offer different discounts if you add teens to your insurance. That’s because they want to encourage your teens to make good decisions and if they start out with small ones they assume your teen will continue to make good decisions, keeping them from filing a claim. Some of these discounts are based on the grades that your teen is getting. For example, a good student could get a great discount on their insurance costs. If they are able to keep their driving record clean (just like you) they’ll be able to get a lower rate over time as well. It’s important to pay attention to what they can do and what you can do to make sure that they get those discounts as much as possible.

No matter what you have to make sure your teen is insured and you have to make sure that the vehicle they get is going to keep them safe and driving for a long time. With a good preapproved car loan you’ll be able to do that a lot faster so make sure you check to find out more and then start shopping around for the best insurance rates you can find. You might be surprised what’s out there for both of you.

Getting A Mortgage Through The VA

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Many people feel that the American dream is owning a home. However, home ownership can be quite expensive and complicated. In most cases, it is necessary to get a mortgage for financing. Of course, mortgages can end up making your home more expensive in the long run. Therefore, it is important to find the mortgage that is the least costly. If you a veteran, there is an excellent option for getting a mortgage. The Veterans Administration offers loans with lower fees than most lenders. One excellent place to look into getting a VA loan for your home is Flagship Financial. This private company has successfully gotten numerous veterans loans from the VA.

Affordability Of VA Loans:

There are several different reasons why VA loans are more affordable. For one, they tend to have low interest rates. The lower the rate of interest, the less money goes to the lender over the course of time. Additionally, the VA also insures their loans. This means that you generally do not need to have insurance from a private agency covering the loan. In addition, you don’t have to put a down payment on a VA loan. This can take away that initial expense, which is often a roadblock to home ownership.

Qualifications and Conditions Of VA Loans:

Furthermore, the qualification process for VA loans is easier than most other lenders. In fact, it’s even easier to get a VA loan than it is to get a loan from Fannie May. To be homeowners are often able to get loans that are as much as 41% of their income, through VA loans. With Fannie May, the amount is much lower. In fact, it is less than 30% of one’s income. The amount that can be borrowed is quite substantial, as well. In fact, VA loans can be for an amount of as much as 417,000 dollars. However, for those living in certain regions, it’s possible to get a VA loan of amounts greater than a million dollars!

About Flagship:

Flagship Financial is a private enterprise, but they offer government sponsored loans to veterans. This makes up a very large part of the company’s business, and they have been in operation for many years. Furthermore, the professionals at the company can help you through the process of getting a VA loan. The company also makes their services very convenient to use. To contact them, all you need to do is call their number. This number is listed on their website, and you can schedule an appointment right away. Furthermore, they offer free quotes on their loan services, and you can have access to these quotes right from their website.

Choosing a Personal Loan

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A bank, building society or finance company can give you a personal loan whether or not you are a customer, you can apply for a loan in person at a branch or by post, online or by phone- it is actually easier than you think.

You can normally borrow a fixed amount of money which is repayable by monthly agreements and over a specific period of time and this is called the term of the loan.

Usually, you will be charged a fixed rate of interest and sometimes charged extra fees, this applies mainly if the loan is secured. Lenders give loans with a varied interest rate and this means the rate may go up or down during the term of the loan.

If the interest rate does go up, then you may need to increase your payments to make sure you pay off the whole loan in time or else extra fees will be implemented.

Payments are usually asked to be made by direct debit from your bank account and if payments are not made then you may be charged a fee.

You can pay loans off early if you wish. At any time before the end of the term and you may be entitled to a refund on interest if you do this. You should ask the lender when you apply or look at the credit agreement and this is usually agreed when you took out the loan. This is one of the reasons it is important to read the fine print and check all your paper work as well as checking for any hidden fees, such as PPI.

A personal loan can either be secured or unsecured. A secured loan is like a mortgage and normally your house is used as the security although it is possible to use other assets, such as an insurance policy.

One of the major issues with secured loans is that the security offered may be at risk if you don’t keep up with repayments on a secured loan, this is why it is vital to check that you can pay the loan back in a timely fashion. With unsecured loans, you house or assets may not be at immediate risk but if you fail to adhere to the conditions then the lender can take you to court.

Choosing your Personal Loan

There are a range of different loan providers, so it is a good idea to shop around when choosing a loan. Personal loans are relatively basic financial products, they are not complicated, consumers can borrow a specific amount of money which is required to be paid back with interest on the outstanding balance each month. Unlike normal loans, there is no requirement to pay in full by a certain date.

Unlike other forms of finance for example a credit card, personal loans are generally a lot cheaper as an average they have lower interest rates and have the requirement to pay it back in a set period.

10 Tips to Save Money While Travelling

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If you are looking to save a bit of money while travelling, there are several effective methods to keep in mind. Let us look at ten amazing ways to stretch what could otherwise prove to be a limited budget.

1. Early Reservations

Most travel experts recommend that booking at least eight weeks in advance will save a great deal of money in terms of reservations and accommodations.

2. The Off-Season Option

Travelling during the slower times of the year (generally between autumn and winter in the northern hemisphere) can help to reduce overall expenses. This arises from the fact that airlines and hotels are more likely to reduce their rates in order to attract customers.

3. Travel Insurance

Purchasing worldwide travel insurance is a great option to protect personal belongings as well as finances in the event of theft or an accident while travelling. There are many different types of insurance and plans can be tailored around your discrete needs.

4. Package Deals

As opposed to paying for features such as flights, accommodations and food separately, determine if there are any package travel deals available. These can save even more money while you will be better able to adjust your budget.

5. Beforehand Purchases

Purchasing necessities while abroad can be an expensive prospect. This is particularly the case in reference to airports and major cities. It may be prudent to obtain materials such as toiletries, beach accessories and clothing before you leave.

6. Car Hire

If you plan on taking excursions out and about during your stay, it could be wise to secure a car hire service before you arrive. Paying for a modern vehicle on a daily basis is frequently cheaper than dealing with the expenses associated with public transportation and taxi services.

7. Exchange Rates

It is pivotal to appreciate the impact that exchange rates may have on your holiday. Observe any fluctuations to make certain that you are getting the best deal.

8. Free Attractions

There is no need to frequent the most expensive spots during your stay. Perform a bit of research to determine which sights can be experienced at no charge. Common options include cathedrals, public parks and street markets.

9. Travel Agents

It is a myth that travel agents will add to your expenses when travelling abroad. On the contrary, they are frequently able to secure deals that would not be possible with common methods.

10. Compare and Contrast

Finally, make it a point to compare different travel options online. Be certain to look at the cost of flights from numerous providers as well as the price for hotel accommodations. It is likely that you will encounter some amazing bargains in this fashion.

Every entrepreneur with less than perfect personal credit understands the risk involved when asking a bank for a loan. Many times, banks will not lend to you. That’s why it’s important to manage your personal finances wisely. Doing so will help you build a sound financial future for your personal life and your business. Below are three reasons why your personal credit affects your small business financing options.

What Your Personal Credit Score Says about You

No matter how well you think you manage your business, most lenders don’t consider this as the most important criteria when they consider loaning you money. Instead, they look at your personal credit score in order to make an accurate assessment in how well you manage your money. In their mind, if you cannot manage your personal finances effectively, you won’t be able to manage your business finances either.

Bad Personal Credit Equals Weak Cash Flow

A bad personal credit score not only means that you’re bad at managing money, but it also signals to a lender that you have a weak cash flow. Lenders want to make sure your business has enough money to be able to pay off the loan. If you have bad personal credit, it means you don’t have enough personal income from your business to even justify terms of a loan. This is why it’s important to manage your money well.

From a bank’s perspective, your personal money management techniques will often carry over into how you manage your business. If your money is already tied up in debt, a bank can’t trust that you will be able to make the minimum monthly payments on the business loan for which you are asking.

Lenders Are Risk Averse to Small Business

Taking on a small business loan is exceptionally risky business to the majority of lending institutions, even if the amount you are seeking is small compared to many other types of business loans. This is because a vast majority of small businesses fail within the first four years of opening. Add to that we live in a post-Great Recession economy, and lenders are even more risk-averse now than they were eight years ago.

As such, if your personal credit is not stellar, this can severely impact the outcome as to whether or not you will get the business loan you need. The good news, however, is that there are lenders, such as that can help.

Securing a Business Loan Doesn’t Have to be Hard

No matter what line of work you’re in as a small business owner, there are many options for you to choose from when it comes to securing a business loan. Yes, your best option would be through a bank or the credit union in which you are a member, but these are not the only lending institutions out there. Lenders like can offer you secure loans at a decent interest rate. You just need to know where to look to get the money you need.

What exactly is Options technology

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Trading has been the source of income for a lot of people in the past decades. Usually, people traded food or goods and material objects for money and other things. The concept of trading today, in this age of technology and modernization has been changed and elevated to a different, higher level now. We have the advantage of internet at our hands now. This allows us to look at the mere concept of trading in a whole new light and manner. Through this online trading using different software the traders can now get access to and approach a much wider mass market. The products, shares or commodity that is being invested in,proves beneficial for trader if he knows the risks and the workings of the binary options. Many of us have heard the term of simplified online trading that is much similar to the workings of a stock market.

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Currently there are different types of binary options software and technology that is offered by many certified companies and websites. So what exactly are binary options and what has it to do with online trading? Well, simply put, binary options are a way to get new and more traders get involved in professional trading products. These binary options are also categorized as exotic options. The binary options technology provides traders a simple, dedicated way to price fluctuations in different global markets. The most common binary option is the high-low option. The high-low option works with the fixed-return policy. This makes binary options trading different from the traditional trading options.

If there is someone who doesn’t know anything about trading through internet and how the binary options work, there are people who have developed certain easy ways to deal with them. As we all know that this is the world of science and technology and everything is on the internet. Many people use smartphones to connect to the internet and many of them do their business on their phones. This is how much advance our technology is. It won’t be wrong to say that anything that is not available on the phone and internet is not at all in the minds of people. Things that they can see on the internet are the things real to them. Other than that, are fake, wrong and unauthentic.

For these kinds of people, there are many software experts who have developed special kinds of application which can help you learn about trading and stuff. These kinds of apps can easily be installed on your smart phone and you can learn about the basics with them. They not only make you aware of the basics, but they also update with the surrounding scenario and how to deal with specific situations. They also give you the charts and a map in which the fluctuations are displayed. That can help you understand the stock exchange easily. Most of these applications are free for the users and many people around the globe are using it.