Mervin Hester

Personal Financial Management Made Easy

Managing personal finance may not be everyone's cup of tea, especially for those who have no experience in business and management. An accurate financial plan will ease your work and guarantee a successful completion of your financial goals. Here, on our ... Read >

Gold Through the Years

Gold is one of the most dynamic elements of the modern economy and some might find it funny that the oldest form of valuing physical commodities is still thriving today. The first gold coins were produced in 700 BC and since then the precious metal has be... Read >

Basic Guide to Trade Finance

Trade finance is an important part of the business. It offers various aspects of managing finances for the company. Trade finance helps to generate, manage and establish various finance practices like working capital, factoring solutions, banking solution... Read >

Is it Wrong to Be Rich?

What does God think of rich people? I know what a lot of people say about rich people. You've probably heard phrases like, "Filthy rich", "Stinking rich", "Lousy rich people", etc. It seems that there is an underlying belief that to be rich is wrong ... Read >

An Overview of Online Savings Accounts

Savings account is account deposited that is only intended to stay in the bank for a relatively shorter time span. This account usually offers much lower interest rates than most bank accounts. But still, like many other accounts, it accumulates interests... Read >

Purchase Protection Insurance Coverage

Most credit card companies provide purchase protection insurance for free, as an included benefit of owning their particular credit card. As competition among credit card companies is so fierce, creditors are attempting many different strategies in order ... Read >

Can Your Finances Handle a Pandemic?

If you have been paying attention to the news lately you may of heard of the threat of bird flu and a world pandemic. What would this mean and how would it affect your financial holdings. The World Bank, which has estimated that a bird flu pandemic lastin... Read >

Finding the Right Mortgage for You

There are so many mortgage options available today. Don't just take the first one to offer nice terms -- this is a big investment. And with any big investment, you have to shop around for the best mortgage available. Think about it, by the time you pay... Read >

The New World of Online Accounting

Accounting in USA has seen lots of change. There was a time when the accounting was more of book keeping done in huge ledgers and was the purview of select few. It's not so anymore. Accounting is much more widely accepted as a business function and genera... Read >

Essential Guide to Refinancing Your Mortgage

A mortgage refinance is just that - a move to pay-off your mortgage by taking out a new loan on your home. Refinancing a mortgage therefore simply means replacing an old mortgage with a new one. Should You or Shouldn't You? There's no simple yes or... Read >

Planning for Long-Term Care

Long term care basically relates to the care or assistance that is needed when the individual is rendered incapable of taking care of his own self. The people who have taken retirement from their work and are dwelling on petite pensions most often constit... Read >

The Single Income Family

It seems as if every family today is a two income family. It can be difficult to live on one income today. Housing cost in many metro areas are simply outrageous. The cost of living in many places is sky high. Can you be a one income family. Yes. One t... Read >

Declaring Business-Related Tax Deductions

-- supplies & equipment -- depreciation expense (including Section 179 deduction) -- lease payments -- loan interest -- state and local taxes So you add up all those deductions and multiply the total by your business use percentage, which is determ... Read >

Tips on Budgeting Your Money

Budgeting money is something of a neglected necessity in the modern world, with so many people lured into spending regardless of their financial situation. It has become almost the norm to spend each month more than is earned, often without even knowing i... Read >

Understanding How Factoring Works

If you have a problem with cash flow, you might consider finding a company that engages in buying invoices to get you on the right track again. Often, through no fault of their own, small and large companies find themselves in a bind because they don't ha... Read >