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Financial news and personal financial advice on retirement planning, college saving, taxes, real estate, mortgages, investing and many more on CNNMoney. 

Industry Super Australia assesses paid financial planning compared to free self-help and shows how to get the most out of a meeting with a financial planner. 




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Why it’s important to save for retirement

While retirement may seem far off in the distance for some, financial experts say you’re never too young to begin saving.  In fact, the earlier you calculate your retirement needs and start building your nest egg, the easier it will be to create a viable plan for the future. Many experts advise you begin saving a percentage of your income for retirement as soon as possible, no matter how little the contribution may be, as it’s possible the Social Security benefits millions of people currently depend on may be in jeopardy.

Looking For Ways To Finance Your Next Building Project? Look No Further

If you need money to start your next building project, you may be quite surprised by the number of different options you have. However, the options that will actually be available to you will depend on many different factors and these factors will decide how eligible for construction finance you are. In this short article, we will look at what you can borrow, how you can borrow, and what restrictions you might come across. Please note that while the information in this post is correct, your own personal situation will determine what the best course of action is for you. Speaking to an independent financial advisor will help you to see if you are eligible for construction finance and how to go about getting it. Different Types of Mortgages Let’s start with the different types of mortgages that may be available to you. Remember, whether one is better for your needs than another depends on many factors. Commercial Mortgages Let’s start with commercial mortgages because they a

Low interest credit cards - how to make them work for you

Credit cards are borrowing instruments, unlike debit cards where you already have the money. Banks are there to make money too. Just like high street stores, they hope to maximise their profits within the rules. So it’s important to understand the basics and find a credit card that’s right for you – you can compare low APR credit cards here . Now you know the rules, let’s find out how to play the game. The financial services industry charges interest on the money that it lends out. Let us assume you borrow £100 on your credit card and keep it for exactly one year before you pay it back. For the purposes of this article, we will assume your loan attracts 8% interest per year, which is the Annual Percentage Rate, or APR for that particular transaction. Practical example

Four factors that have fuelled city-centre living

Urban centres have become increasingly popular in recent years as both residential locations and as commercial space. This social change has been driven by a number of factors and has been reflected in the number of new property developments springing up in major cities around the UK. As space tends to be at a premium in urban areas, it has led to the construction of a greater number of apartments; potentially fuelling interest in block of flats insurance . So why have so many people decided that an apartment in a town is a better place to live than a larger house in the country? Here are four factors that are likely to have spurred on the rush for the city...

How to Reduce Overhead Costs on a Construction Jobsite

Both private and public construction projects aren’t cheap. In fact, Mortgage News Daily reported that $827 billion was spent on construction in the U.S., as of 2012. This included private nonresidential, private residential, and public construction projects, causing construction spend to rise 6.5% from the previous year. If you own a construction company, it’s clear that the only way to save money on a day to day basis is to be strategic about where your money goes on the job. In most cases, the best way to save money on a construction site without compromising quality or employee safety is to reduce overhead costs dramatically.

Home insurance is the best practice

Home insurance isn’t really complicated the cover you need is usually pretty much contained within the standard home and contents policy. You also need to know how to check your policy to make sure you are adequately covered. Best practice for homeowners is to learn how to go through a policy and understand the cover provided. The issues: Home and contents insurance provides a degree of cover for financial loss in the event of fire, building damage, theft or other events. The problem for homeowners is that the amount of insurance payable needs to be monitored to ensure that the insurance payout meets their needs. This can be a slightly tricky process, because people tend to accumulate materials over time, and the real value of their property, particularly contents, can go up quite a lot. If you buy a $10,000 home entertainment system, the net value of your contents has just gone up. In your insurance, unless you change the value of your cover, will however be still set at the sam

Some Important Questions about Cash Loans in UK

The downfall in the economy has hit us all pretty bad and a lot of us are trying our best to deal with the financial trouble. People are finding it hard to make ends meet. In such a situation, a lot of them resort to taking cash loans just to cope with the problem. But most people do not have enough knowledge about the process. There are some questions that always linger in people’s minds when it comes to taking cash loans in Welwyn Garden City. Here are some of those questions that most people seem to have about cash loans: