Nov 02

What Are The Most Prestigious Credit Card Offers

For a lot of elite credit card consumers, the most prestigious credit card is the American Express Black Card, officially called the Centurion Card.

The reason most elitists deem the Amex Centurion Card as one of the most prestigious credit card offers is due to the fact you cant apply for this exclusive card membership, youve got to wait for an invitation to join from Amex.

To qualify for the most prestigious American Express offer you first need to be an Amex cardholder of one of their elite offers such as the Platinum Card from American Express which certainly does give you elitist rewards.

However to get accepted into the most prestigious American Express Centurion Black Credit Card exclusive membership youve got to be an existing AmEx cardholder and not only do you have to have a membership to a card such as The Platinum Card from American Express, youll need to be spending at least $100k on you existing American Express Platinum Card annually before you can even think youre going to receive an invitation to join the Centurion Card membership.

Its the false scarcity tactics that American Express uses that makes their Centurion Card offer, in your minds eye, one of the most prestigious credit cards on the market today.

Having said that, if you want to get this elite credit card in your wallet someday, the first step is to apply for the elite rewards offer theyve got for you, The Platinum from American Express card.

This is a platinum credit card offer that gives you elite luxury benefits such as 24 hour concierge service and access to airport lounges and a lot of other luxury perks and benefits, not to mention bonus miles rewards points.

The most prestigious credit cards such as the Centurion Card

Nov 01

Why Winning The Cash Game Takes Discipline And Personal Finance Secrets Are Worthless

Are you sick of hearing countless schemes and gurus whispering the need for private finance secrets? The truth is none of these fancy plans are needed. The following article will explain why winning the money game takes discipline and personal finance secrets are worthless.

Nowadays’s economic landscape is crammed with advice regarding how you should best invest your cash, whether within the stock market, a marketing theme, precious metals investing, assets, or another fancy set up for making wealth. Have you ever noticed that they usually mention terribly very little regarding the risks concerned in such ventures, usually creating it appear that they’re positive bets and your monetary rewards await all people who even try.

Well the reality of those investment schemes for wealth building is typically terribly different. The stock market will drop, firms will move out of business, the market will fall out from below land, businesses will fail, the list is endless. Any personal finance recommendation that doesn’t involve smart analysis on your part, responsibility for your cash and your choices, and financial discipline is to be avoided.

Do not misunderstand me. I’m not averse to risk and winning the money game involved managed risk on a continual basis for true success. But the reality about personal finance is that there are terribly few true secrets, and if there are any in the slightest degree, it is the sound recommendation that has resounded as logic for generations.

Winning the money game and making financial increase in your life needs discipline and attention to your finances. Pay less money than you earn each month, and don’t live beyond your current means. I think in big dreams, huge dreams in fact, but winning the money game requires living in your reality of now while you work to create your

Oct 30

Personal Finance Issues After Retirement

Age brings about a number of new expenses. Expenses keep on increasing as age starts playing spoilsport. Old age merely brings about a rise in a number of expenses. Visits to the doctor have to be made. Medicines need to be bought. And this is just the beginning. However, even as there is an increase in expenses, the income with which these bills can be paid remains stagnant. Post-retirement, one has to be dependent on one’s pension and on the monies that accrue from the various investments that continue to be profitable. Given these sources of income, it does become difficult to pay for the expenses of daily life.

However, with a little bit of research and some application, one can use the mechanisms of personal finance to make sure that our last years are spent in comfort. For starters, let us take the case of bank accounts. Now, there are various kinds of bank accounts that people can apply for. But which bank account would be the ideal option for a retired person? Ideally, one should be looking at a bank account that offers a high rate of interest. High interest savings accounts are available all over the place. Joint bank accounts are also a great option. Elderly couples often pool their monies together and start a joint account, thus, earning higher interest amounts on a regular basis. Just check with the bank that is nearest to you. Moreover, senior citizens are eligible for some other offers that cater specifically to their needs. So anyone who falls into this age group need to be on the lookout for deals like this.

Credit cards are often a boon for people who are moving on in years. After retirement, a lot of people find it difficult to continue living

Oct 29

Hdfc Bank Home Loan

HDFC Bank guarantees reasonable and convenient Home Loan at your doorstep.


Widest range of approved projects.
Attractive Home Loan Interest Rate.
Wide range of Home Loan Products.
Doorstep service.
Assure hassle-free processing.
Property Counseling.
Simple documentation.
Loan from any office for purchase of home anywhere in India.
Loan approval before property selection.
Flexible repayment options.
Secured document storage.

Widest range of approved projects
The bank has highest number of approved projects across the country with reputed builders like Orris, DLF, Ireo, Emmar, Raheja and so on.

Attractive Home Loan Interest Rate
HDFC offers two types of interest scheme: Fixed rate of interest and Floating rate of interest. For Fixed rate loans the bank is offering fixed interest rate for first 3 or 5 yrs, and then would vary depending on the loan amount; for Floating the rate would be 10.75% upto 30 lacs ,for 30 to 75 lacs 11%and 75 lacs to 2crs 11.25%. Customer can also go for Partly fixed or Partly floating too.

Wide range of Home Loan Products to choose from
Home loans are offered for purchase of property either directly from the builder/resale or construct houses. The bank too offers loan for Home improvement, Home extension, land purchase etc. The organization funds on both residential and commercial properties.

Doorstep service
HDFC sends representatives to guide you on the product and collect documents at your doorstep.

Assure hassle-free & easy processing
Bank would assist you throughout the process, to assure easy processing.

Property Counseling
The bank helps you in property selection and evaluation of the same.

Simple documentation
An application form duly signed by the borrower; a passport size photograph; address proof, identity proof, income

Oct 26

Your Personal Finance Information

Financial mayhem does affect everyones lives and more to those who are linked to the corporate and business world. To keep a check on the financial ups and downs so that it doesnt affect your life, you can look for ways not to overspend your money or at least saving it over a certain period of time. For creating a budget, for following an organized payment schedule, etc. you can check out using financial calculators. When Internet facility is accessible everywhere, even in the comfort of your home space, why not avail its benefits! Surfing online will ship you to a number of online financial sites that also present online financial calculators. So, you do have the facility to plan your personal finance by using financial calculators online. In addition such websites like Reuters also come handy with personal finance news. Watching finance news online or calculating your money in financial calculators is just a click away!

If you want to know about gold investment or other financial products like health insurance, life insurance, etc., watch personal finance news. It is the dream of one and all to own a home. Owning a home in a city, especially a metro, may prove very expensive; moreover you cannot buy land in a congested city in India. Flats or apartments are the choice; home loan is then the answer. Personal finance news in India helps you know about all home loan information like interest rates offered by various banks and other benefits associated with it. Home loan and other financial products also provide you tax benefits.

Once you know how to manage your spending by using financial calculators, you can save for the long term by investing in the right financial products. You can regularly view financial news online or personal

Oct 26

Valuable Insights For Money Handling With Money Matters Expo – A Personal Finance Training Course

Occupy Wall Street got to the press, spawned waves of encouragement around the globe, and did not really turn the gods and goddesses of, what has been determined as basically approved gambling, sweat. Controlling money is in no way a straightforward undertaking and when you entrust large sums to other persons who claim to hold the competence and your best interests at heart, the whole encounter will feel almost debilitating when the outcome isn’t what was promised or projected. Heading out to a money matters expo – a personal finance training course will allow you-and you alone-to make educated decisions related to making your funds work for you.

Like most folks who had a try of saving money, you might have developed some strategies to attain your financial objective. It’s possible you began planning to set aside few extra money from your monthly earnings just to be hampered or sidetracked by unnecessary spending or urgent matters. Perhaps you determined living a prudent, almost Ebenezer Scrooge-like lifestyle reasoning that parsimony would eventually help you become a millionaire. It could be that you considered to get involved on every new, gimmicky investment that simply resulted in near economic ruin.

Controlling cash does not necessitate a master’s degree in finance or a fantastic comprehension of economics and a talent for solving math equations. But you do need to set forth with a serious purpose of striving for a financially independent existence. A life that allows you to get the goods you hope to afford. A life that gives you and your family with the financial certainty you need. A life that will liberate you from the encumbrance of debt.

Money matters expo, a financial literacy training course is your perfect opportunity of achieving all those goals. This sort of concentrated

Oct 26

Understanding What Cash Flow Is All About

Why It is Important

Knowing what cash flow is and why is it important to understand how it affects a given budget is something that can get confusing. Specifically, when there are periods of unabated spending. When a business unit or an individual begins to create a budget, one of the first things scrutinized is where the money is coming from and secondly how and where their money is spent. Knowing the inflow of cash and the outflow of cash are what makes up the road map, as it were, for seeing the big picture of the financial health of a given situation.

Some may equate spending, cash outflow, to an automobile moving forward at a certain speed, thus accelerating in a direction that can deplete the financial resources faster than expected. Therefore, using this same analogy, if the driver of the vehicle was to apply steady pressure to the brakes of the automobile the velocity of cash outflow would slow to an acceptable level. Not a bad way to look at things, and we all are aware of need to have a visual representation of our financial resources including how and why these resources diminish over time.

Controlling Cash Flow is all about Setting Goals

No one in their right mind ever wants to run low on money or get behind on bills. In the same instance, we all enjoy spending money on things we want. There is nothing wrong with controlled indulgence. The important factor is however, knowing when we can purchase that new set of dishes or take on a new car payment while not over extending or going outside of our budgets. This is where setting financial goals become paramount in creating a lifestyle we can enjoy. In the realm of business, it is all about the ‘bottom line’ or

Oct 24

Finances And Stress – How Are You Feeling

Let’s face it- finances can be very stressful. The APA (American Psychological Association) reports that American worry most about the economy, their job, and having enough money set aside in savings. A job loss, car breakdown, or overall change in financial status can really have an impact on our emotions and can be the cause of many sleepless nights and stressful days due to worrying.

The good news is that stress that comes from worrying about money can actually be turned into something positive if dealt with in the right way. This is done by channeling our emotions in the right way and taking practical steps in the ways we deal with our finances. When a financial crisis arises, how you deal with it will have a huge impact on how it makes you feel and the amount of stress it causes you.

In the case of a lost job, it’s important to not get discouraged. That may sound easy but be hard for many people but the bottom line is, it’s not going to help you to be negative about your circumstances. Instead, reach out to the people in your life in an effort to get some emotional and possible financial support. Talking about your feelings will help alleviate the stress you feel and give you a more positive outlook on your situation.

Sit down and look at your budget, crunch the numbers, and figure out where you can cut monthly costs until you find a new job. Track your expenses for at least a month and decide where you need to make cuts and changes to your budget. Be honest with yourself and your family about which expenses are “wants” and which are “needs”.

If and when your car breaks down, consider your options for getting it fixed. Do you have a

Oct 23

What Everyone Should Know – 10 Easy Steps To Improve Your Family’s Finances

If I went out and asked people for their opinions, I think most would agree that living in today’s economic environment has become a great challenge. The media’s primary focus is on the health of the economy, and strength of the job market. The thing is, each one of us have our own personal economy. The stability of that economy depends on our ability to maintain a steady income, and have the wisdom to make prudent financial decision.


Many Americans realize they’re not where they want to be financially. They live day-to-day in fear and frustration. Afraid that even the slightest change in income could have a devastating effect on their lives. They are frustrated that the increased costs of taxes, debt, and daily living expenses are making it incredibly difficult to save toward having a sound financial future.

Over the years, I have personally witnessed families suffer as a result of their struggles with money matters. These harsh realities lead me to asking myself, why? Why are there so many American families struggling with debt? Why do so many families hope and pray that the car doesn’t break down, or the air-conditioner doesn’t give out. Why too, do so many Americans have little or no savings; not even an emergency cash fund.


At first the answers to all my “whys” wasn’t apparently clear. Then it hit me, and the reasons were suddenly clear as day. When you consider that most Americans have little to no financial education, the severity of their money woes should come as no surprise to anyone.

Now, when I say financial education, I’m not talking about going to college. You certainly don’t need a college degree to become smart about managing your money responsibly.

Families make the money decisions they do because they’re in an economic

Oct 22

Personal Finance Will Offer People Along With Generous Facilities

Most of the people are now getting inspiration by the various insurance companies to make secured of their future and medical insurance coverage that will give the better values to the people and will give people along with extra values and will giving the great inspiration to the people to the people with better medical facilities to almost all the people of UK. Personal Finance are now giving the great inspiration to the people along with the most fabulous facilities and the premium that are offering to people are very reasonable and is easily affordable and will give the better and beneficial facilities to the people to enjoy the better coverage of illness and Financial Advisor and will giving the most influential facilities to the people to lead life in a beautiful way. There are large number of private insurance companies in UK are now competing with each other and will transfer faith along with their best return values and will give the coverage to almost all the illness minor or severe and will promotes to people along with the optimum and grand facilities to get the best treatments along with the better plans and functions. Generally most of the people did not easily believe on the insurance companies and after great investigation they will get believe to invest on those insurance companies that will brings to them with at any emergency cases where there is now arrangement of money this Private Medical Insurance will give the most great guarantee to the people along with best treatment in well reputed and great hospitals. There are various general factors that will depends on the premium of the insurance as now almost all the insurance companies will make investigation of the running illness and after that they will give the coverage

Older posts «