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5 Ways You Can Use a Personal Loan

1/10/20Ricky BaizasPersonal

When is the last time you found yourself in a money pinch and you weren’t quite sure how you’re going to pay for it? Or how about the last time you felt overwhelmed by the number of monthly credit card payments you have and all the different due dates you have to keep track of? Wouldn’t it be easier to consolidate all of them into one payment? Sometimes we could use just a little help getting through tough financial times and personal loans are often that little extra support when we need it most.

Leveraged Buyouts for Small Businesses

1/10/20Ricky BaizasSmall Business

What is a leveraged buyout? Selling a small business can be extremely difficult, as the prospect pool for potential buyers in that particular niche is going to be small. Finding financing for a small business is challenging, as well, due to banks typically wanting to deal with larger transactions. Even if a potential buyer is found, they may be wary of any debt or other operational red flags that may cause them to have to come up with a lot of cash in the acquisition phase of the transaction. This is where a leveraged buyout might come in to play.

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Three Keys to Saving Towards Retirement

1/10/20Ricky BaizasPersonal

When it comes to personal finance, saving for retirement can be one of the more difficult topics to tackle. It is hard for many people to envision what their lives might look like 30 years in the future, so planning for retirement is often put on the backburner for things that might provide more immediate returns. How many times have you thought, or heard, “How can I plan for retirement when I don’t have any money to begin with?” Yet, saving for retirement should be an essential planning consideration if you don't want to rely on the welfare system in your retirement years, or live with your children because you can't afford to live on your own.

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3 Ways to Improve Your Credit Score

1/10/20Ricky BaizasPersonal

What does your credit score tell lenders? Having a high credit score is what some people would call the real American Dream...The concept of credit is really just a history of formations of trust between you and whoever is lending you money - you are promising to pay back money that you have borrowed. Young adults, for example, might want to purchase a car, but maybe haven’t saved up enough to pay for it outright. The options and methods that one can use to pay for things without having cash in-hand can be confusing and intimidating to sort out, but also can provide relief and security when in a pinch or desperately need to make a large purchase. So, whether you are financing a car, applying for a credit card, or leasing an apartment, chances are that your credit score will have a major impact on your financial opportunities at many different points in your life.