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Building a house is often a more enjoyable journey than buying a house. When you build a house you have the option to put together a plan for your dreams and then create every corner of the house as you like. Building a house does take months depending on the location and the size of the house. But if you manage to find a contractor, you can trust then you would have a house of your dreams and watch your house being built from scratch. You could compare the quotes and find the best contractors on this website – The rough estimates show that building a house costs approximately around $150 per sq.ft [1] based on the national average in the year 2018. The price could be higher or lower based on the locality, the contractor you choose and other factors. The figure remains above $100 in most of the popular residential regions. Whether you build a house in a planned community layout or whether there is an individual plot of land also determines the actual costs incurred. Here are a few things that add up when you are calculating the cost of building your house –

Size of the house – the total built-up area would be considered in this case. This multiplied by the quoted price per sq.ft would be the cost estimate of your building. This total expense is often split up covering the following aspects –

  1. Site formalities – this might include the verification of permits etc.
  2. Foundation work for the building which would also include the leveling of the surface, excavations wherever required.
  3. Basic framing of the building including the trusses and sheathing work.
  4. Exterior finish including the doors, windows, roofing and the painting work.

The electrical, plumbing and HVAC systems are also included in most of the building contracts. Then there is the final inclusion – the interior finishes including the plastering and painting of the interior walls. Additions like lighting might sometimes be considered as a separate interior design project.

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It is rather unfortunate that personal finance is not taught in schools as a subject in itself while this topic goes on to become the most important thing in a person’s lifetime. When you are out in the real world, a proper understanding of personal finance and how to create savings for yourself are the two most important lessons that you should be equipped with.

Here is a personal finance guide for the young adult in you.

  • Self-control

This is the first thing to learn while understanding savings. Delay your expenditure for as long as possible if it does not pertain to your basic needs and your finances will never go out of order. Keep your credit card locked up for emergencies and try paying your immediate expenses with liquid cash. If there is something that you really want to buy from, then saving up for it will teach you the concept of self-control.

  • Plan your finances

Your financial future is in your hands. Do not give it away to someone else to manage when you can preserve it by reading more about personal finance. Understand how money works, the investments that you could make in order to ensure that your future is secure and how much you should ideally spend in order to always have enough money to feel stress-free.

  • Emergency fund

Needless to say, life is full of unexpected happenings. You can never be absolutely sure of your financial status since a single round of hospitalization could throw you off-guard. Medical expenses, sudden loss of life etc can drain you emotionally, physically, mentally as well as financially. While the first three aspects cannot be healed instantly, you can be prepared for the fourth aspect by creating an emergency fund that will come in handy in such situations.…

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Managing money while traveling is quite a difficult task and it is best if you plan ahead about it before you travel. Below mentioned are few pointers one should keep in mind to manage the finance while on the go.

Pointers to keep in mind

  • When you travel aboard, you need to have some local currency to manage the initial days in that country. Hence you need to arrange it early from the bank. Also, it is advisable that you buy digital currency as it can be easily converted to normal currency like from doge to usd. US dollars are accepted by most of the countries.
  • Carry traveler’s cheques when you travel as it is a convenient and safe way to carry the money abroad. They get accepted in every country. It is easy to issue them and also at the same time you can cancel it whenever you wish.
  • You should be aware of the exchange rate of the country’s currency so that you won’t be fooled by anyone while you purchase items.
  • It is also a good idea to carry the credit card along with you while you travel overseas as it is helpful in emergency situations. They would be invaluable if you have to leave the country in a hurry and need to buy the tickets or you require any medical treatment.
  • While you travel, don’t carry a huge amount of cash along with you. Also, you need to safeguard your cash, traveler’s cheque, cash and other values when you travel. Always keep them in the hotel safe or locker.
  • When you travel it is very much important that you should be aware of how much you are planning to spend. You should plan out a budget long before your travel so that you can keep a check on the spending. You need to note down the expenses incurred while you travel.

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Getting a loan or not is going to depend on your credit score. If your credit score is bad then be ready to face the consequences. Lenders check your credit score to know if you are a high risk borrower. If your credit score is very bad then the lender may refuse you a loan right away.

Does that mean that you will never ever be eligible for a loan if your credit score is bad? Do not panic. There are ways in which you can improve your score and be eligible for a loan.

Do not opt for a payday loan

If you are one who has a poor credit history of the bank is sure to turn down your loan request. There are many siting there who will be ready to lend you money even with a bad credit score. They are mostly payday loans.

The payday loans give you money but they charge you a hefty rate of interest on the loan. the loan is a trap and not something that is advised in the first place.

Build your credit

Bad credit means that you will have to pay more interest for the loan. But your credit score is not something that is stamped on you. You definitely can work on it and build up your credit score.

You could use a personal installment loan that can be used in the case of an emergency expense. These lenders will evaluate your application of loan.

Go for a secured loan

There are many secured loans which can be availed by those with a bad credit. When a borrower secures the loan then the lender will be willing to offer a loan to him because of the security. This is because the local loans sharks are knowledgeable of the fact that he can possess the asset in case the borrower defaults on loan repayment. But as a lender, you need to be careful about what you plan to secure.

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As you reach the late forties or in your fifties, might feel it is too late to start the financial planning. But it’s better to be late than not doing at all. You should get serious about your financial planning at least by this age. Listed below are few guidelines to make a financial plan for your retirement years.

Make a financial plan

Use a retirement calculator to run your projections- It is always best to use the online calculators to make a plan for your retirement years. It will help in figuring out how much income one needs to save in order to lead a comfortable lifestyle.  If you are into adventurous sports, you need to save up for the retirement years to indulge in any sport you would like to do. You can get many ideas from the website

Get a hold on your spending- No one likes to do control their spending but the fastest way to save fast and more is to spend less.  You need to trim your lifestyle spending so that you can save more immediately. You have time constraint as you have started late.

Get yourself educated- You can achieve the retirement goals faster, if you know all the options available and understand it. Hence, it is essential that you read through finance books and magazines and educate yourself.

Focus on the career In your late forties, you should focus on the career and try to find ways to earn more money to make yourself comfortable in the future.  You will need enough funds saved up to last you many years in your old age.

Don’t speculate- At this time, it is always best to opt for secured investment options rather than entering any speculative investments. You should not take any big risk with your funds.

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It’s 2018, there are a number of great investments to make with 10,000$ or more in liquid capital, it’s the first time you’ve finally got some money to invest with, but you simply don’t know what sort of market to place your money into, the sheer array of possible investment destinations is simply overwhelming for most beginners. Which is why many times the money that could be invested just gets spent on other things instead of making money that other people who can invest are going to be making. Here we’ve made this article to show you 5 good investment destinations/options that you can invest in today, preferably with 10,000$ or more in capital.

  • Automation

Automation is becoming incredibly relevant today, it’s already shaping the economies and the developmental cycles of countries, some of which are failing to produce sustainable manufacturing sectors precisely because of automation. Automation is only going to get better over time, payback periods for robots in manufacturing are dropping across the world and these trends is only going to accelerate.

  • Artificial Intelligence

Artificial Intelligence has been predicted by business leaders and entrepreneurs across the world to be the next major step in humanities evolving, from Dani Rodrik, to Bill gates, to Kai Fu Lee, all are predicting that Artificial Intelligence will radically change how humanity and society operates. From the indicator like lost jobs, to the increased productivity, all of these sorts of trends are happening today and will accelerate in the future. Which is why it’s good to invest now when the market is still immature.

We have the rest of our picks sorted out here, they are mostly more traditional investments that will not yield extraordinary returns however.

Other picks:

  • Stock market
  • Real Estate market
  • Cryptocurrency coins
  • Peer to peer lending

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Air, water, food, shelter, and clothing are the basic necessities of everyone’s lives. Air is free and so is water to a certain extent. However, you will need to find a way to avail food, shelter, and clothing. An average job with a minimal salary will be able to satisfy your hunger and clothe you. It may even find you a decent place to take shelter from the changing seasons and the tough world. However, once you start thinking big you will want to own a good place to yourself, maybe by building your own homes. That is why there are so many real estate developers out there to help you out. For example, the batistaproperties that have a great reputation in customizing homes as per the client’s desires.

However, a huge project like home construction requires a lot of cash during the entire course of the project and maybe even a little beyond its completion. Thus, how do you manage to finance the construction of your new home? It is indeed a tricky question but one that can be answered with the help of some professional tips.

  1. Always plan for the entire cost of construction, which includes not only the hard costs such as material costs, labor costs, and other but also the soft cost such as the cost of paper works, site plan preparation, and similar others.
  2. Next, you need to evaluate how much you need, how much you can afford, and how much you will need to apply for the loan.
  3. Once you have planned for the construction in its entirety, you should then check your credit score and get your credit data.
  4. Next step is to gather all the vital documents required to process your loan. It is best you consult with a professional advisor on such matters to ensure your application is not rejected and to save time.
  5. Finally, the most important thing that you need to remember is to prepare for uncertainties. The market is highly volatile and there are high chances that you might encounter cost overruns, delays in construction, problems with the builder, or other market upheavals. Hence, you need to be prepared and be cautious.

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Debt can ruin your life, destroy credit score, and force you to sell your house and worse. But almost everyone at some point in their life will borrow money from an institution or via other channels. Accidents, disasters, and sickness can come unannounced and leave you in a debt trap, this is a reality we cannot escape.

 What we can do is make informed decisions and pay off the debt faster. Let’s see how.

  1. Pay off more than the minimum limit amount

Paying the minimum loan amount is a trap. Banks do not have this option to lend you a helping hand. You will pay an average of 15% APR. Let’s say you have borrowed $10000, with 15% APR and minimum payment amount at 4% it will take you 147 months or 12.3 years to pay off the debt and the total amount you will pay is $14,452.

If possible, make prepayments after confirming your bank does not charge a penalty for that.

  1. Sell what you won’t need

An average household sits on hundreds of dollars’ worth of things that they never use. Take itinerary, list it at the decreasing order of your need and start selling them off on eBay or other websites dealing in second-hand stuff. Pay off your debt.

  1. Snowball method

Simply list the debts you have in increasing order. Now make the largest deposit on your smallest loan while you pay the minimum on the bigger ones. Close off your smaller debts and you will have a manageable deficit.

  1. Apply to a trust fund

If you live in Scotland, you’re in luck. Applying to a trust deed Scotland, a debtor will be granted a trust deed where their estate will be transferred to a neutral trustee to the benefit of the creditors. Many who enter this program are able to keep their assets.

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ICO, the crypto currency become quite popular in last financial year. Initial Coin Offering (ICO) is  the latest investment trend one needs to look into. Ten years from its launch, ICO has reached remarkable heights considering the market cap and the return of investment it is bringing. The introduction price of the bit coin was $10 when it was launched in the year 2008. It reached the peak of $13,000 on 2018 New Year’s eve. It dipped below the price of $8000 and then rose again upto $11,000.

ICO launched bit coin as the starting of digital currency. It has become a display of wealth in past few years. The newest symbol of luxury, bitcoin is a badge to the elite class which lies on papers only. Often, bitcoin is considered as an asset of rich people which is generating more money for them than their other investments. One just need to know; when to buy it and when to sell and one of the reputed platform to do that is

In the past few years, crypto currency has evolved as a financial tool. People do not buy bit coin as an asset but as one of the ways they conduct their financial transaction overseas. Owning crypto gives the holder a status and most of the people who own bitcoin consider themselves as one step ahead. The trend of owning a bit coin is the start of a new aristocracy. A digital wallet with a logo of crypto currency has become the translation of your financial status.

On the secondary market exchange, anyone can buy the bitcoin. He can sell it as it is or can split it in number of pieces. The major fact about this crypto currency is that it is limited in supply, non-replicable and almost similar to an art.…

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Planning your dream wedding can be a stressful and expensive time. Here, we will look at some ways to help you plan your ideal wedding even if you are on a tight budget. There are loads of ways you can ensure your wedding is still perfect even if you don’t have $30,000 to spend on it.

One of the easiest ways to ensure you wedding doesn’t cost the earth is to invite a smaller number of people. Try to keep it to family and close friends, rather than inviting everyone you know. This will also help you save on buying and sending invites.

You can also save a lot of money by not using a traditional wedding venue. If the weather is likely to be nice, you could choose to hold the wedding in a public park or similar. Or if you are lucky enough to live near the beach, you could have a gorgeous beach wedding. It’s also a nice idea to have your wedding at Kohl Mansion in Burlingame.

Wedding photographers and bands eat up a large part of your budget. Why not try asking at your local college if there are any amateurs who are looking for experience who would be willing to offer their services for free, or at a reduced rate. And if you know any friends with skills like these, now is a great time to ask them to do you a favor!

A fantastic way to save loads of money when planning a wedding is to buy second hand. A used wedding dress could save you hundreds of dollars, and they are almost always in excellent condition as they’ve only been used once! You could also look for decorations which have been used, or even try charity shops and thrift stores.…

When you contract hire and leasing vans then these following tips will let you save on fuel when you drive the van.

These tricks are simple to follow and also have a lasting effect. So try them out to save a bit of money when you drive a van.

Lower the number of trips that you take

Make a list and do all the errands in a single drive. When you stop your van and the engine cools down and then you restart it again then in the next few miles the van will consume more fuel. So plan in advance and then take one big trip instead of many smaller trips and save on fuel.

Traffic needs to be avoided

If you can avoid traffic then it helps you to save on fuel. You could either plan some alternative route or avoid the rush hours. The vehicle economy is terrible when you drive the van during peak traffic hours because everytime you need to stop your van and then start it again. This consumes lots of fuel.

Do not drive with extra weight

If you want to ensure more fuel efficiency then get rid of any extra weight. Dump the stuff in the rear of the van and reduce the amount of weight that you are carrying. If your van is heavy then the more fuel will be consumed. So it is important that you travel light.

Maintain the speed limit

Stick to the speed limit for better fuel efficiency.  It saves fuel and also saves you from breaking the law. You will get to the destination a little later but you will be saving on fuel though.

Choosethedriverwith care

If you are not the one driving then make sure that you choose the drivers carefully. Make sure he is not an unsafe driver and the driver should have a good knowledge of driving. Driving a commercial vehicle needs better expertise and your driver should know the basics about driving the vehicle which will save fuel for you.

It can be easily said and seen that travelling is just a mindset. It is more than just being a priority. If you have the mindset to pack your bags and travel to distant lands, then you will have the mindset to do it anyway. That is the rule of format for travelling. The actual thinking of travelling, and then proceeding to follow that idea of yours – is indeed easier said than done. So, not only making travelling a priority will end the process, as you also have to work for it, in order to finally make the idea happen in real time.

Travelling also do requires some hefty amount of financial help, as well. So, you have to make sure to take care of your finances, from the first day only. So, without further ado, let’s jump into the heart of the guide.

Guide In Financing Your World Trip


Build A Plan For Saving


This is the first step towards making your travelling plan successful. You have to in full control of your finances, be it monthly or yearly. You have to set aside some amount of your income, every month so that this small amount could one day finance your whole world tour. Planning and efficiency is the key here.

Take Care Of Your Monthly Grocery And Expenses


In order to keep track of your monthly grocery and expenses, you have to first find out the average spending of at least your last 3 months spending. This will give you a clear cut idea regarding how much on an average, you plan to spend every month. Therefore, if any extra expenses arise in any month, you’ll be able to detect and modify that expense, without any sort of problems.

Plan Your Trip Expenses


After you’ve done the hard part, i.e. saving all the costs, you have also to calculate the amount that you’ll be able to save in month or a year, or even in 2-3 years time. After doing this, you can now plan for your trip. You have to ascertain the overall costs, flight tickets, hotel fare, etc. Therefore, you will get a rough estimate of the total cost, and thereby start saving in proportion to that amount. If you plan to travel via waterways, you can opt for yachts – sells luxury yachts.…