Bill Davies
My Secrets for Racking Up Credit Card Points
You know that credit card debt can put a serious hit on your financial future, but that doesn’t mean you should write off credit cards completely. In fact, if you can qualify for a rewards credit card, it can serve as a smart tool to reduce your bottom line and pay for fun extras. These […]
3 Tips for Renegotiating Your Interest Rate on a Current Account
As someone who has done this several times over the years, I can tell you that renegotiating interest on a current account isn’t as tricky as you might think. You just need to know how to ask. Here are three effective tips:1. Build a Persuasive ArgumentNo lender is going to magically give you a lower […]
3 Solid Reasons To Avoid Taking Out a Second Mortgage
For many people, a house is the most significant investment they will make in their entire lives. It is natural to expect an investment to pay dividends, especially when you invest a substantial portion of your income to it over thirty years.Unfortunately, while a home can pay you handsomely through equity, many people go about […]
4 Myths About Portfolio Building
If you think you need to be a slick Wall Street type to invest, think again. That’s just one of several myths about building an investment portfolio that you may have gleaned from television and movies. Here are four more investment myths that we can debunk right now.1. You Have To Be Filthy Rich To […]
The Government Versus Big Tech: Are Your Stocks in Danger?
In the DOJ’s recent lawsuit against Google, the government claims the company has used unfair practices to stay the dominant online search engine and act as “a monopoly gatekeeper of the internet.” Will this lawsuit cause tech stocks to plummet?What Is the Case About?This case asserts that by paying Apple billions to be the default […]
Privacy: Being Careful Versus Paranoid
In the digital age, it is easy to feel as though privacy is obsolete. Many people continuously post updates about their days without considering the necessary security measures to protect their identity. However, while some do not worry enough about their privacy, others can become a little paranoid about their online presence and activity. Where […]
Plan Ahead for These 10 Likely COVID-19 Winter Shortages
When the nation was first rattled by COVID-19 last spring, disinfectant, toilet paper, tissues, masks and hand sanitizer flew off the shelves. As winter approaches, prepare for a potential second wave by getting ahead of the probable shortages. Start your shopping with these 10 likely-to-sell-out essentials.Paper TowelsWhile TP is more readily available than it was […]
8 Easy Tips for Saving Energy (and Money!) at Home
Saving energy is good for the environment, but it also makes good financial sense. Why waste money on electricity for no reason? Here are 8 excellent tips for saving money on electricity, and they’re all easy to put in practice.1. Choose Energy Efficient AppliancesAlways look for the ENERGY STAR label when you buy an air […]
Here’s How To Invest During an Economic Downturn
The stock market can be unpredictable to say the least. For this reason, periods of slower economic growth aren’t really a huge surprise. What should you do with your money during an economic downturn?Your GoalsThe first step in deciding your next move is knowing what you want to accomplish. Are you trying to benefit financially […]
3 Tips for Talking Money With a Spouse
While everyone loves money, talking about it always seems complicated and frustrating, especially communicating with a spouse. While the perception is married couples, particularly retired couples, have the kinks worked out in their relationships, that is not always the case. The truth is while a marriage is a partnership, each spouse comes into the relationship […]