Advance Finance Blog » Money http://www.advanceloan.net/blog You could get up to $1500 in as little as one hour by applying for a quick cash loan right now! Sun, 05 Feb 2012 09:16:18 +0000 en hourly 1 http://wordpress.org/?v=3.2.1 My Disappearing Shopping Fund http://www.advanceloan.net/blog/2012/01/my-disappearing-shopping-fund/ http://www.advanceloan.net/blog/2012/01/my-disappearing-shopping-fund/#comments Thu, 12 Jan 2012 09:18:10 +0000 admin http://www.advanceloan.net/blog/?p=4480 Advance Loan BlogMy money tree is bare and the there are no new buds
I have suffered a dramatic change. I have had to move from “spending” to “not spending”. I built my personal financial system carefully over years and years of spending money, sometimes cautiously, sometimes rashly and sometimes wildly. At all times I planned, saved and budgeted, always keeping spending directly linked to earning. Now I’m in a “hold spending” period. I saved hundreds of dollars in 2011 by getting some good deals on financial products. You can do it too.
 
Our shopping expeditions
Years ago I fell into the habit of accompanying my wife on her trips to the supermarket. These outings ranged from ‘totally boring’ to ‘mildly interesting’ until I discovered that there’s a man’s world in the supermarket. I discovered the 10 varieties of olives, the 20 varieties of pickles and the carousel of fiery hot spices. I found the exotic cheese counter and the cheap tee-shirt rack. I bought what I fancied. My job was great, the salary package was generous and I always had money in the bank.
 
Job collapse
At about 9am one morning I received a phone call from the owner of the company I was managing: “We are closing down. Not enough work, blah, blah, blah… the faltering hi-tech industry, yak, yak, yak… Our shopping trips changed. I still accompany my wife. We go to the supermarket – with a list. We buy the items on the list and come home. Money saved: Considerable.
 
I’ve made some changes
In the good old days when I had a problem with money, my first port of call would be the bank and my friendly bank manager who would always lean over backwards to help me. That’s gone. These days when I have a problem with money I put as much distance as I can between me and the bank. I’m just another customer and I’ve never met the manager. I changed banks recently, mainly because the bank on Pine Street offered better deals than the bank on Elm Street. If the bank can treat me a casual customer, then I can treat the bank as a casual service.  
 
Check your insurances
I had sudden urge to make sure my “papers” were in order in case I got hit by a bus. The results were surprising. Other than stuff like life insurance, pension and savings which I regard as a ‘do not open’ box unless the agent is present, I looked at such fascinating items as household and auto insurance. It’s been years since I received these policies. If you work on the basis of ‘no claims, no look’ as I do, the years slip away. I took them out and called a couple of new acquaintances in the insurance business. Surprise! The trusty old agents I had used all these years were no longer looking after my interests. They were renewing my policies every year without looking at the premiums. I replaced these policies with a new agent and saved huge amounts of money for the same coverage. I also told the new agent that I would be shopping around for new quotations at every renewal date. If the old agents didn’t look after me do I still have to look after them?

 

]]> http://www.advanceloan.net/blog/2012/01/my-disappearing-shopping-fund/feed/ 0 Here’s My Financial Plan For 2012 http://www.advanceloan.net/blog/2011/12/here%e2%80%99s-my-financial-plan-for-2012/ http://www.advanceloan.net/blog/2011/12/here%e2%80%99s-my-financial-plan-for-2012/#comments Fri, 30 Dec 2011 09:56:14 +0000 admin http://www.advanceloan.net/blog/?p=4384 Advance Loan BlogThis is going to be my ‘rainy-day’ day year
Ever since that recession started back in 2008 causing the values of securities tied to U.S. real estate pricing to crash, damaging financial institutions globally and sinking my little portfolio into the mud, I have been living frugally, rather like Old Scrooge. First I stopped spending on things I didn’t need and than I stopped spending on things I did need. 4 years later I am still scrimping and saving like mad, not spending a penny if I can help it. I mean I even walk the mile to work and back every day to save the train fare! Yes, in winter too!
 
Good luck
But good luck was with me all the way. Firstly I never had a single emergency in all that time that would have forced me to break open my savings. Secondly and most importantly, my income remained stable so with all my holding back on cash, my savings flourished. Now, 4 years later, I have built up a nice pile of money and I have decided that 2012 will be “The Year of the Big Spender”.
 
My running hobby     
I am going to spend on my hobbies. I am a jogger and a marathon runner. This year I will start by buying myself a new running outfit, maybe even two. They will include the latest expensive running shoes. After that shorts, vests, headbands, towels and all the other paraphernalia that I have done without for the past 5 years. I will also enter for the London, New York and Paris marathons, something I never did before because of the cost of getting to these cities. And while I am in them, I will stay an extra 2 or 3 weeks and enjoy the sights.
 
My painting hobby
I painted in Italy years ago, in the good old days. I am going back to paint there again. Maybe even twice, once in Venice and again in Tuscany. I may make a third trip to France and paint in the footsteps of Monet, my impressionist hero. I will start in Paris at the museums where his art hangs and then go down to Giverny where he lived and worked. I will also buy Monet prints.  
 
My cooking hobby
I want to spice up my life in 2012 by attending a couple of cooking courses in Italy. I am busy researching the subject at the moment and deciding which ‘tastes’ I think I will enjoy the most. Italian food varies dramatically from the south to the north.
 
My opera hobby
I have been to many operas. I love the sights and the sounds of a well performed opera. I have also seen opera in most of the world great opera houses, La Scala,
Covent Garden, Paris, the Metropolitan in New York and many others. It’s time to see the Sydney Opera House. So that’s my destination for my first flight. My ticket is booked for the January 15. And on January 21st I will see Mozart’s Magic Flute!
 
Plan B
Maybe I should work for another couple of years to boost my savings? Nah, I’m spending it!

 

]]> http://www.advanceloan.net/blog/2011/12/here%e2%80%99s-my-financial-plan-for-2012/feed/ 0 Money, ‘A Means to an End’ http://www.advanceloan.net/blog/2011/12/money-%e2%80%98a-means-to-an-end%e2%80%99/ http://www.advanceloan.net/blog/2011/12/money-%e2%80%98a-means-to-an-end%e2%80%99/#comments Mon, 12 Dec 2011 08:48:25 +0000 admin http://www.advanceloan.net/blog/?p=4331 Advance Loan FinanceAnyone can prepare for the good times; smart people prepare for bad times.
What happens when we are bombarded daily by media images of people who drive fancy cars and live in big mansions, holiday in Barbados and travel first class, drink fancy cocktails and send their kids to private schools overseas? What happens is that these shallow chronicles of consumption skew our relationship with money to a point where many people see money as a badge to display.
 
Different money
Money comes in lots of different ways. Some of the jet-setters may have inherited their wealth, robbed a bank or belong to the noveau riche class, and some are actually hardworking entrepreneurs who have invested years, effort and resources on an idea until it became a business success. The latter, which hopefully the majority look up to, have had their challenges, including the failures and sacrifices that come with the entrepreneur’s path; it’s called blood, sweat and tears!
 
The successful
There are very few successful business people who did not have to work hard and who hit gold on their first attempt. Even some of the world’s most renowned entrepreneurs, like Richard Branson and Mark Shuttleworth, will tell you that the first thing they tried bombed spectacularly but they kept at it, refining their approach and sometimes even leaving behind their first career choice to try something new.
 
Easy come, easy go
Money that comes easily is difficult to appreciate; remember the saying and song: “Easy come, easy go”? The truth is, money doesn’t buy happiness, success does. Though success is often accompanied by wealth, it is not the money that makes us happy, it’s getting it; it’s the pursuit that is often tied to a vision that makes having money such a pleasure.
 
Lottery winners
There is evidence aplenty if you Google past lottery winners. The tales of woe far outnumber the tales of happiness. Filling in lucky numbers on a form does not equate with working hard for your success, and the emotional baggage that accompanies these sudden wins makes that clear.
 
Extra cash
When we get extra cash, such as employment bonuses, the question should not be how to spend it, but rather how to save it or invest it. Many see money as something that lets us buy things, things to validate us as important or successful people and things we probably don’t need. Things don’t make you happy, but what does is to use money as a tool to liberate you from debt and to make things happen, to create a better future, not just for yourself but for your family and for your community.
 
Put it to work
The first thing to do when you get money is to think about how you can get it to work for you and liberate you from working hard for it. It may take a dollar at a time but believe me, a dollar at a time is a dollar closer to comfortable retirement, a dollar closer to paying off your debt and a dollar closer to financial freedom.

 

]]> http://www.advanceloan.net/blog/2011/12/money-%e2%80%98a-means-to-an-end%e2%80%99/feed/ 0 Is Your Child Messing With Paints? Encourage Him… http://www.advanceloan.net/blog/2011/11/is-your-child-messing-with-paints-encourage-him%e2%80%a6/ http://www.advanceloan.net/blog/2011/11/is-your-child-messing-with-paints-encourage-him%e2%80%a6/#comments Wed, 16 Nov 2011 09:27:23 +0000 admin http://www.advanceloan.net/blog/?p=4228 Advance Loan FinanceKieron will make more money than Monet
His name is Kieron Williamson and he is a child art prodigy. If you haven’t heard of him yet, be assured that you will – and often. He is already being hailed as a Mini- Monet. He held an exhibition in England this week to showcase his work and left the exhibition with more than £100,000 (about $160,000) in his pocket after all his paintings were snatched up by eager buyers. No different to any other child his age, the boy wonder still wears his school uniform while playing with friends after school in the lane outside his house or zooming around on inline skates.
 
Money
Some parents who have their eyes on a secure old age for themselves via a child who will be earning huge amounts of money in years to come, will opt for football, tennis or car racing as a means to a secure old age. A career in art is something else entirely.
 
Talent
Kieron lives in the English countryside. Many would say that it is not exactly the place where you would find a child prodigy who later that evening would be on his way to his first art exhibition to fill his pockets with huge amount of money. But the real question is, where do you expect to find these talented children? What sets them apart from the rest? The reality is despite his talent he is just like any other kid and you would expect to find him amused in activities that others his age partake in.
 
A 7 year-old
It was only two years ago when the seven-year-old made a ripple from his skills with pastels and acrylics depicting the countryside near his home in Norfolk. How work attracted the praise of many and soon had a waiting list of 680 buyers. During that time the interest in the young British artist has grown fast, with a waiting list of nearly 6,000 people including Americans, Chinese and Germans who are all keen to get their hands on a Kieron original.
 
Paintings
Some of Kieron’s paintings which he sold for £2,000 have gone on to sell for £10,000. At his fifth exhibition, so far his greatest success, he sold one painting for £15,595.
 
Talent
The boy’s talents seem miraculous; his father is an electrician and his mother a nutritionist and both are completely non-artistic. The first sign of his talent came when he and his parents were in Cornwall on their first family holiday. While the family admired the bay, the then very young Kieron created a striking drawing with pencils.
 
Art studio
Kieron started his painting career on the kitchen table, but times have changed and he now has his own studio, which is cluttered with easels, paints, palettes and other painting paraphernalia. He has books full of pencil sketches, but he paints in oils, pastels and watercolors. He is skilled in many mediums. Talking about his paintings, Kieron said: “I like painting stormy skies and I’ve painted lots of marshes, and I like painting windmills.”

 

 

]]> http://www.advanceloan.net/blog/2011/11/is-your-child-messing-with-paints-encourage-him%e2%80%a6/feed/ 0 I Have Been Searching For Grandpa’s Papers Without Success http://www.advanceloan.net/blog/2011/11/i-have-been-searching-for-grandpa%e2%80%99s-papers-without-success/ http://www.advanceloan.net/blog/2011/11/i-have-been-searching-for-grandpa%e2%80%99s-papers-without-success/#comments Wed, 09 Nov 2011 11:36:49 +0000 admin http://www.advanceloan.net/blog/?p=4199 Advance Loan BlogThere’s money at the end of this rainbow, I just know it
According to family legend, grandpa was a great traveler. In addition to the legend I have proof of his wanderings by way of postcards and faded black and white photographs. My mother also told me stories of how grandpa, who was very rich, would buy things on the spur of the moment. “If he walked past a building and he liked the architecture or the entrance, he would go inside, ask for the owner and try and strike a deal to buy it. I distinctly remember a house in Stubbs Road in Hong Kong, a mansion with huge palm trees and a view of the pyramids in Cairo and a stone building in King David Street in Jerusalem.”
 
The papers?
No, I don’t know where the papers are, said mother when I questioned her. There is no sign of these properties anywhere. So, I search. I have searched the house where he lived, so much so that the present occupiers are sick of me pestering them. “There is nothing here!” they yell. I have been to the bank, looked through numerous files and books under the strict supervision of the manager and his staff. Nothing. Hardly a sign that the old man ever trod the green marble floor. I spoke to his caregiver who tended him in the last few months. She shakes her head and asks if I know anyone who needs a caregiver. Why am I doing all this? Easy, it’s in the interest of raising some money so I can get rid of my boss.
 
Background
Here’s my reasoning. I pick up the paper and see this article: Three residential sites were auctioned by the Hong Kong government at a value well over the predicted rates, reinforcing the belief that the curbs on property have not had any negative impact on demand and there may have been some expansion of the economy in the first quarter of this year after all.
 
The Winner
The highlight of the auction was a site on Stubbs Road which was bought by Sun Hung Kai Properties Limited for $578 million. The original estimate for this sale was put at about $565 million. There has been a move by the government to put a damper on the real estate prices. But the Stubbs Road sale indicates that this is not seriously impacting the demand for luxury apartments even as prime real estate is getting scarcer by the day in Hong Kong.
 
Dealers
According to a property analyst, Eva Lee, Hong Kong’s economy may have expanded by over 5% in the first quarter of 2011. Real estate dealers are still confident of selling properties at prices above the current rates within a space of two years. Housing in Hong Kong is considered to be the most expensive according to a survey by Savills Plc. Home sales however, have reached the lowest over a period of two years.
 
Wouldn’t you search?

 

]]> http://www.advanceloan.net/blog/2011/11/i-have-been-searching-for-grandpa%e2%80%99s-papers-without-success/feed/ 0 Everyone Can Use Cash Advances http://www.advanceloan.net/blog/2011/04/everyone-can-use-cash-advances/ http://www.advanceloan.net/blog/2011/04/everyone-can-use-cash-advances/#comments Sun, 10 Apr 2011 12:53:10 +0000 admin http://www.advanceloan.net/blog/?p=3438 Advance Loan BlogHow is your credit rating looking?
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]]> http://www.advanceloan.net/blog/2011/04/everyone-can-use-cash-advances/feed/ 0 Even in Fiction the Rich Get Richer http://www.advanceloan.net/blog/2011/04/even-in-fiction-the-rich-get-richer/ http://www.advanceloan.net/blog/2011/04/even-in-fiction-the-rich-get-richer/#comments Fri, 08 Apr 2011 14:03:44 +0000 admin http://www.advanceloan.net/blog/?p=3433 Advance Loan BlogAnd you know what I’m getting, right?
The old adage “the rich get richer” applies equally to the fictional characters of our world. The members of Forbes Magazine for the 2011 list of wealthiest fictional characters have an average net worth of $9.7 billion, up 20% from last year. In aggregate, the Fictional 15 are worth $131.6 billion, more than the gross domestic product of New Zealand.

How to qualify
To qualify for the Fictional 15, characters must be known, both within their fictional universe and by their audience, for being rich. Net worth estimates are based on an analysis of the fictional character’s source material, and where possible, valued against known real-world commodity and share price movements. All figures are as of market close, April 1, 2011.

Top of the list is Carlisle Cullen
Topping the list this year is newcomer Carlisle Cullen, patriarch of the Cullen coven of vampires in the Twilight series of novels. Cullen, age 370, has accumulated a fortune of $34.1 billion, much of it from long-term investments made with the aid of his adopted daughter Alice, who picks stocks based on her ability to see into the future. Low-key and undead, Cullen has spent recent years posing as a mortal doctor in a small town in Washington State.

Then it’s Chuck Bass
Chuck Bass, the brooding, manipulative heir to deceased New York real estate legend Bart Bass, makes his Fictional 15 debut this year with an estimated net worth of $1.1 billion. The Gossip Girl star and fashion icon recently sat for a Forbes Fictional Interview.

Sir Topham Hatt
Also new to this year’s list: Sir Topham Hatt ($2 billion), the railroad tycoon from television’s Thomas The Tank Engine & Friends, Lucille Bluth ($950 million), the matron of the dysfunctional Bluth real estate family from Arrested Development, and the Tooth Fairy ($3.9 billion), who has blown several previous fortunes 50 cents at a time. Jay Gatsby, the shady Long Island dandy from F. Scott Fitzgerald’s The Great Gatsby, returns to the list after an absence of several years with a billion-dollar fortune.
Goodbye Uncle Sam
Uncle Sam is the highest profile drop-off this year. The crusty frontiersman and former U.S. Army recruitment officer had the largest net worth swing in Fictional 15 history, from an estimate of “infinite” last year to less than a billion today. Yes, he has the ability to print money but how much exactly is that money worth? Gordon Gekko, the hero of the forthcoming Wall Street: Money Never Sleeps, drops off the list after a stint in federal lock-up.

Scrooge McDuck
Fictional 15 perennials Scrooge McDuck ($33.5 billion) and Jed Clampett ($7.2 billion) had banner years, reflecting surging gold and oil prices respectively. Only Richie Rich ($11.5 billion) and Thurston Howell III ($2.1) billion have seen their fortunes decline over the past year.

Net worth estimates
Net worth estimates are based on an analysis of the fictional character’s source material, and valued against known real-world commodity and share price movements. In the case of privately held fictional concerns, we sought to identify comparable fictional public companies.

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