Desperate Sailors Finance

A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.

Latest Posts

Great Banks Bring You Comfort

postYou want to keep track of your money, and the best way to do this is by finding a financial institution that offers many options for banking. These types of businesses want their customers to feel secure and appreciated, and the right bank will bring you a sense of comfort. Learn what to look for when choosing a place to safely house your earnings.

Customer Service

When it comes to banks, customer service is key. You want to choose a facility that has short wait times when you are standing in line. Efficient and helpful associates help you place money in the appropriate accounts for maximum benefit.

If you are opening an account for the first time, choose a branch that has lots of friendly people who are willing to work with you to choose the right account for your needs. You want to compare checking, savings, and other accounts side by side with an associate who will have patience while explaining the differences to you.

Options

You don’t just want to throw your funds into any account and walk away. You want

Money Transfer Services To Send Money To Your Relatives Speedily

postBack in the day, people used the postal services in order to send across checks to their relatives or to service providers. Whenever someone needed to send money, it would take time for it to reach the concerned persons. When you are able to make payments instantly, it carries a number of advantages over writing checks and waiting for the other person to pick them up.

Speed

One of the most significant benefits of money transfer is the speed of the transaction. Checks can take more than a week or two to get processed. Transferring money, on the other hand, takes just a day or two to process. The speed at which financial transfer transactions take place make it easier for people to manage their finances better and pay their bills on time. You can easily avoid late charges, when you send the money across the speedier way.

Security

It can be risky to send a check via postal mail. Sometimes, the check can either get lost or get stolen on its way to the recipient.

Money, Money, Everywhere

postNo matter how little money you have, you might be surprised to discover that you have some in places you would never think to look.

How many times have you gone to the store and put the change into your pocket or pocketbook, and forgotten that it was there? Over the years I have heard numerous stories like that.

One woman was always finding bills and coins in the oddest places. When I asked her why she didn’t remember having put them there she told me that sometimes she needed to do something as soon as she got home and then hung up her coat without checking the pockets or changed pocketbooks without transferring everything from one to the other.

I would have thought that a person who was always finding a few dollars here and there would think to look for money when she needed it most. Yet this woman never did. Each time she looked in a pocketbook or wallet, she always found some.

If I had ever had the experience, even once, of

5 Financial Freedoms You Must Protect

Financial freedom concept with apporoved applicationWe’ve all dreamt about the day we can retire, the free time we’ll have to find a new hobby, travel to a new place, or simply, do nothing but sit and relax. But in order to enjoy the retirement years like you want to, you’ve got to plan ahead. In particular, you need to protect five financial freedoms. They are:

1. Guaranteed Income

Have you taken the steps today to secure your financial future: for yourself, your spouse and your family?

Remember when you retire, you won’t receive a regular paycheck. Not having that steady income may come as a shock. You may start to panic as you begin to dip into savings for daily expenses. You may need to live on a strict budget. You may end up needing to find a job. And, if you decide you need to return to work, it most likely won’t be in a full-time position with a full-time salary.

As you think about retirement, you need to realize this: the day you stop

Personal and Business Banks – Choosing One for You

postAs you browse various banks to choose the one that fits your needs, take the time to learn about the assistance and services offered because many differences exist. By asking questions, you can learn what financial institutions offer and choose one that matches your lifestyle and investment requirements.

Location and Convenience

The way you manage your money will determine what type of institution you need for your money. If you need an organization with a convenient location to enable you to stop in while you’re running errands or on your way to or from work throughout the week, narrow your search to include only institutions with convenient locations. Don’t forget to consider the hours of the organization, also, to ensure that it will be open when you typically stop in.

Services

Ask about the services offered by any branch you consider using. Compare interest rates for all organizations you consider to enable you to receive the most return for your investment dollars. A full-service institution will likely offer both online banking and a walk-in

I Found a Solution to My Money Problems

Tired of not being able to pay my bills and living with the threat of getting kicked out of my apartment, I just did not know what to do anymore. I do not have family members who can loan me money like most people do. I do have some acquaintances, but no close friends. I was looking around online in a desperate attempt for advice when I came across bestratedbadcreditloans.com/poor-credit-loans/ and learned that I can get a loan. This was not something that I thought was even possible for someone like me.

Years ago, I was not careful with my credit. I was partying a lot and out having fun with friends, rather than showing up for work on time. (more…)

All About Money Transfer

Every year, billions of dollars are recorded as remittances worldwide. With the advent of technology, there are several ways to send money home. With so many options available, it is very important to make the right choice to avoid paying an exorbitant fee to transfer money. There are three basic factors to be considered while transferring money. Understanding each of them will help us in sending money in the most optimal method.

1. Mode of Transfer

There are a couple of aspects while choosing a mode of money transfer. They are:

  • location of the sender and the receiver
  • awareness levels of the technology and the availability of the same
  • time availability and affordability

Taking all of the above into consideration, one can select a medium that best suits him/her.

Cash Transfer

One of the oldest methods of sending money, a cash transfer is a simple process of sending cash through a money transferrer. The receiver can collect the money or have it delivered by the money transferrer.

Bank Transfer

Today, several money transferrers have tied up with many leading international banks to empower their customers to make a bank transfer. Through

5 Practical Tips for Lifelong Financial Sustainability

Sustainability is usually a term about environmental issues. Lately it’s become more of a personal finance term as well. That’s because financial decisions need to be sustained over the long term. To sustain you and your family over time, Financial Sustainability means planning and flexibility. Having Plans B, C and D is a necessity.

Here are a few tips for those who want to see their money stay around as long as they do.

Save Before You Invest

It’s a good idea to secure at least nine months of living expenses saved before even thinking about investing. As you plan your savings strategy, make sure you contribute enough to your retirement funds, particularly if your employer still offers a 401(k) match. Once you have your emergency fund, keep on saving. A good goal is to put aside at least 10 percent of your earnings each month (or as you can afford it). By retirement, you’ll have a nice chunk of money to nest in.

Keep Credit History Good

Being a habitual bill payer signals to banks and issuers that you are a risk worth taking. Paying credit cards or mortgages late will