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Personal finance is one of the important factors at the heart of every household. Organize assets, debts and loans with tips from a finance expert in this free video.
There are 25 videos in this series:
Short-term financing usually covers a span of anywhere between 30 to 90 days. Understand the purpose behind short-term financing with advice from an experienced businessman in this free video.
The government sets the prime interest rate, and banks increase it depending on the person they are loaning the money to. Better understand the way banks decide on the individual interest rates to loan out money with advice from an experienced businessman in this free video.
Pension plans are retirement accounts offered by employers in which they match a percentage of the employee's yearly contribution to the program. Understand what a pension plan is and how it works with tips and advice from an experienced businessman in this free video.
Repossession is when a lender takes back a loaned asset because the borrower has failed to pay numerous payments. Avoid asset repossession by banks and other financial entities with tips and advice from an experienced businessman in this free video.
Escrow companies are a neutral party that holds money until a real estate transaction is complete. Discover what exactly escrow is in the world of real estate and stay protected with tips and advice from an experienced businessman in this free video.
Energy costs are very high these days and lowering these costs can be as simple as turning off the AC during the day. Lower electric bills and other expenses with tips from an experienced financial adviser in this free video.
Energy and gas costs are very high these days and lowering these costs can be as simple as searching for a better price. Lower gas bills and other expenses with tips from an experienced financial adviser in this free video.
Energy costs are very high these days and lowering these costs can be as simple as turning off the AC during the day. Lower energy bills and other daily expenses with tips from an experienced financial adviser in this free video.
VOIP or voice over Internet protocol is a great way to talk to people for free or cheap anywhere in the world, but it is not as mobile as a cell phone. Lower phone bills and other daily expenses by using the Internet to call people with tips from an experienced financial adviser in this free video.
Homestead tax is a tax placed on homeowners for the property. Understand more about what owning a home means for tax purposes with advice from an experienced financial adviser in this free video.
Commercial paper shows a payment of schedule on a commercial loan from a bank. Better understand the way banks decide loan details with tips and advice from an experienced financial adviser in this free video.
Accounts receivable are the debts and monies owed to a person at any given time. Balance financial books with debts still owed in this free video on financial tips from an experienced financial adviser.
There are certain guarantees a borrower must make to a bank including guaranteeing to make payments on time. Know what banks expect from a borrower with tips and advice from an experienced financial adviser in this free video.
Many banks will put a lien on an asset or other additional assets in order to cover themselves in the event of nonpayment. Understand how banks can put a hold on assets, equipment and other things to be repaid with tips from an experienced financial adviser in this free video.
Contracts are legally binding agreements signed by two willing parties to loan and to pay back a set amount of money. Take care when entering into contracts with individuals or institutions with tips from an experienced financial adviser in this free video.
No-load funds are investment funds with no expense or management fees. Understand the risk and rewards of no-load funds with advice from an experienced financial adviser in this free video.
Investment indexes are simply a list of the possible investments in a particular industry or field. Use investment indexes wisely to spread out cash evenly and smartly with advice from an experienced financial adviser in this free video.
The keys to financial investment success are risk management and a high rate of return. Invest wisely and get help with money to make more money with tips from an experienced financial adviser in this free video.
Dividends are paid out yearly by publicly-traded companies who decide to pay them and who provide a financial statement along with it. Know when to and when not to expect dividends from investments through these tips from an experienced financial adviser in this free video.
Power of attorney gives another person the legal right to act on another's behalf and make financial decisions. Understand when power of attorney is necessary and how it is carried out with tips from an experienced financial adviser in this free video.
Power of attorney can be revoked at any time with a simple signature. Understand how to revoke power of attorney and how it is carried out with tips from an experienced financial adviser in this free video.
The most popular form of power of attorney is in the case of husbands and wives. Understand the different forms of powers of attorney and how they work through tips from an experienced financial adviser in this free video.
Revocable trusts can be changed at any time by the people who created them. Discover the benefits of revocable trusts and how they help solidify assets through tips from an experienced financial adviser in this free video.
Venture capital is simply a fancy name for small independent investors who invest in start-up companies. Understand how venture capital is one of the driving factors of the capitalistic society with advice from an an experienced financial adviser in this free video.
Home equity rate is the interest rate at which a person can borrow against the value of their house. Understand how home equity rates can help or hurt individuals financially who borrow against their home value through tips and advice from an an experienced financial adviser in this free video.
Don't be broke at the end of every pay period. Many people's paychecks are spent before they even get to the bank. More than half of America's work force is spending more than they make. And the problem is, they aren't blowing it all on foie gras and designer shoes, yet they feel like they can never get ahead. Aside from trying to convince their boss to double their salary, is there a solution to the exhausting psychological effects of barely scraping by, month after month, year after year? Tracking your expenses and creating a personal financial budget is a great place to start. In this series of free online videos get expert advice on creating a budget for personal finances. Once people figure out where the money's going it will be easier to get spending under control. Learn how to divide your spending into distinctive categories, like housing, utilities, food, medical expenses, transportation and more. Once you've defined what type of spender you are, you can analyze cash flow, and create and maintain a budget and stick to it. While none of these free videos will help you earn more, the advice they offer should help you spend your money more wisely.
Patrick Munro Patrick Munro's affinity for investing and financial matters began more than 20 years ago with business education and service throughout the ranks of the banking, insurance and brokerage industries. His goal for providing personal service to the senior market began in 1997 after relocating his family to Wilmington, N.C., and the founding of NorthStar Financial Advisors. Munro provides highly personal service to clients all over North and South Carolina, helping them to identify tax savings through various safe financial products and utilizing the various tax strategies available to seniors to protect their assets. In addition, Munro helps many clients eliminate the financial threat of long-term care and offers ways to avoid the unnecessary difficulties of probate court. He is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.dkdk
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