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Personal Finance Online Or Personal Finance In Excel?

Wherever you are in the World, be it New York City, New York or Mumbai, India, before technology made things easy and before the explosive use of online services, personal budgets if they were done at all, were largely done on computer spreadsheets, and by far the most popular choice was doing personal finance in excel.

Now that apps and technology have made so many things easier, accessible and convenient online, including managing budgets online, it's time to reconsider if personal finance in excel has had its day, including all the variations of family budget worksheets, financial planning spreadsheets, or any other offerings of managing money in excel.

The Benefits Of Managing Personal Finance In Excel

The most obvious benefit is that calculations are done by a formula processor so that the mechanics of adding up and making calculations can be automated and easily repeated, pasted, and copied.

That much is obvious, and all sorts of elaborate versions of family budget worksheets in…

Small Business Finance - Finding the Right Mix of Debt and Equity

Financing a small business can be most time consuming activity for a business owner. It can be the most important part of growing a business, but one must be careful not to allow it to consume the business. Finance is the relationship between cash, risk and value. Manage each well and you will have healthy finance mix for your business.

Develop a business plan and loan package that has a well developed strategic plan, which in turn relates to realistic and believable financials. Before you can finance a business, a project, an expansion or an acquisition, you must develop precisely what your finance needs are.

Finance your business from a position of strength. As a business owner you show your confidence in the business by investing up to ten percent of your finance needs from your own coffers. The remaining twenty to thirty percent of your cash needs can come from private investors or venture capital. Remember, sweat equity is expected, but it is not a replacement for cash.

Depending on…

Bad Credit Tips - How to Make the Law Work For Your Credit Repair Situation

Are you surprised to discover that there are legal provisions relating to credit repair? Well, credit bureaus and credit reference organizations perform a very important function in the economy today. Hence, it is obvious that these entities shall be regulated properly.

Hence, always search for bad credit tips that will help you know more about the law and how you can use the law to improve your credit rating as early as possible. A very useful bad credit tip is to go through the various laws. You can easily get a copy of the act on the World Wide Web.

There are four laws in all that relate to credit and credit repair solutions. The fair credit reporting act places a responsibility on the credit bureaus to report the information accurately. This is a very important law that helps you overcome negative points very easily. The law places the responsibility of verifying the information on the credit bureaus.

If the bureaus and the lenders are not in a position to justify the inclusion of a …

Commercial Truck Financing - How is the System Structured?

First there are the captive finance companies. Think of them as the financing arms of all the major manufactures. They exist solely to provide financing to the public in an effort to sell their trucks. In the past they have been somewhat liberal in their underwriting criteria and like the mortgage industry perhaps too liberal. This relaxed underwriting of the past has caused serious defaults today. This has resulted in a subsequent tightening of credit. The end result is the selling of less trucks and trailers; customers have a harder time getting financing. Nonetheless, the captive financing company will always be part of the commercial truck financing game.

Second are the independent financing companies. They are not tied to the manufactures in any way. They exist to make a profit from financing commercial trucks and other equipment. They can be a welcome alternatives for several reasons. First they can be someone to turn to if a good credit customer is "tapped out" with th…

Credit Tips - 5 Debt Relief and Credit Tips For People in a Lot of Debt

Credit card debt is an obvious problem for just about anyone right now - you never thought all those loans will get the best of you (and your money) because no one thought that the recession will be so hard on everyone (for that matter, most of us didn't even think that the recession was indeed something real or that it will hit us - typical human behavior). However, what you need to understand is that immediate action is simply imperative. Throughout this article we shall discuss some of the most interesting credit tips you should take into consideration if you are in the lookout for debt relief.

1. Get documents in order - Before you pay taxes, you must understand that he would face. Enjoy your tax forms and organize everything. Upon completion, there are many things you can do to get an exemption from tax debt.

2. Payment Agreement - this is a repayment plan that allows you to pay its debts in monthly parts (shares). When you accept a monthly fee, you agree to pay the balance eac…

Purchase Order Financing Tips and Secrets for Canadian Firms Seeking Trade Finance

Your worst business nightmare just occurred. You got the order/contract! Now what?!

Purchase order financing is a great tool for firms that have unusual purchase order and contract sales financing needs but are potentially unable to access traditional financing via banks or their own capital resources within their firm. How does trade finance P O financing work, does your firm qualify, what are the costs, and how does it work? Great questions, now let's explore some answers!

Typically Canadian firms looking for this type of financing are distributors, manufacturers, or perhaps wholesalers. A variety of industries in Canada have access to this type of financing, but those certainly tend to be the typical firms needing assistance.

Your need for purchase order financing arises out of what we call the classic working capital gap. What do we mean by that? It's a case of your suppliers requiring payment either up front or within 30 days, with your firm unable to generate those funds fo…

Bad Credit Tips - Raise Your Credit in a Month by Following These 3 Tips

Are you of the opinion that bringing your debts under control or making repayments regularly will boost your credit score only after years? Definitely not. This is one of the most significant parameter that is used to determine your credit score.

Hence, if you are in a position to repay your debts on time, it will certainly have a huge impact on your credit score. Hence, make sure you keep this bad credit tip in mind at all times. Regular repayment of debt and keeping the total debt amount under control-these two tips will help you a lot.

Simultaneously, you should get a copy of your credit report and go through the same. This is where most of us make the mistake of ignoring professional advice. Just as you would contact a tax professional for any notice received from the internal revenue service, you should contact a professional credit repair experts for any information that you have received from the credit bureaus.

The credit report, once studied, should clearly point out the various…