Month – August 2012

Considering Buying A New Home

real estate

home-buyingHome ownership is a goal that most people have. But can you be sure that it is the right decision for you?

How Are Your Finances?

Your finances are an important factor in buying a new home. You need to be certain your finances can withstand a mortgage payment, as well as maintenance, repairs and utilities.

Are You Planning To Stay In The Area?

If you are not intending to remain in the region in which you are considering purchasing a house, it could be better to simply rent. Purchasing a home is a big commitment and you may end up losing money if you may be moving within the next few years.

What Does The Market Look Like?

When purchasing a home the market is an important factor. This will assure you get the best value for your money and that you get the best interest rate possible. If the market is not in your favor, you may try waiting a short while and it will probably change soon.

Before making the decision to purchase a home, you have to ensure you are prepared. Use the information from this article to assure you make the best decision for you.

Investors Banking On Obesity Trends

investing

As more and more people enter obesity, investors are looking to act on businesses that might be able to capitalize on this particular demographic in the future. Speculators are looking at commercial and health care concerns that may be able to address the concerns of obese people. In particular, the pharmaceuticals industry, food industry, nutrition industry and sports industry stand to benefit from this market.

Those in pharmaceuticals will be able to address the medical concerns of larger people, not only in terms of medicines, but also with equipment like larger-sized beds and mobility devices. On the other hand, weight loss and nutrition businesses will want to advertise the benefits of their health regimen. So too with sports companies who will most likely sell both clothing and equipment to entice buyers to shed off extra pounds from their bodies. Of course, the biggest winner will most likely be the food industry where almost $700 billion in revenues were generated in the US alone.

While the topic may seem strange, investors have been looking at different trends over the past decades to see what emerging concerns may need a sizeable investment in the future. As of this decade, obesity has been slowly climbing the ranks of trending topics and will soon be a by-word in financial markets. Because of its health implications, investors are looking at a long-term scenario where the aforementioned industries will continue to function for 20 years or longer.

Tips On How To Build An Emergency Fund

budgeting

 

Let’s face it; sometimes in life there are times that require cold hard cash. Unfortunately, if you’re like millions of people in the world, having an emergency fund is not on your list of things to do. Although it may seem like saving money for a rainy day can be difficult, there are things you can do to make it easier. A cool way to get the nest started is to start small. Setting little goals, like saving all the change from your dollars is a great way to get the ball rolling. For some people who are in a more difficult position it might be more substantial, like paying off an outstanding loan and not reborrowing.

You will be surprised at how much money you save from saving your change. One thing that you should consider is the accessibility of the funds. Do you want to keep it in a jar on the counter, or keep it in the bank? Having quick access to the money is important. If you’re thinking of keeping the money in the bank, make sure you have a debit card to withdraw the money. If you’re thinking of investing the money you already have, and you want a higher return, you should look into a TSFA account, it has great tax benefits, and will give you the best returns.