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All Finance Information Tips Help

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All Finance Information Tips Help Finance Blogs

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Tags: Finance, Help, information, Tips

Household Saving Tips – Personal Finance Help

by Erik Anestad

Got Gas? – Part 3

Think of all the elements in your house that use Natural Gas to run. My folks use a gas stove, fireplace, furnace, hot water heater and a clothes dryer. Now they are need personal finance help if they want to reduce these costs. When they figure out their budget one day, they’ll understand if their gas bill is what it should be compared to their income. I’ve sent them to our resource link for a comprehensive budget spreadsheet and other financial calculators, but they could also search google. Here are 3 easy gas saving tips you can implement in your house.

It’s Getting Hot In Here – I know you’ve heard the song. Don’t get to the point of wearing shorts at home in January. Can I offer an easy bit of personal finance help you can use to reduce your heating costs. Drop your thermostat setting by two degrees and you will save a large 5% on your gas bill.

Mmm Smells Fresh – Why does no one hang clothes out to dry. If your dryer is gas powered, you could save a lot of cash by hanging your clothes to dry. This is my favorite personal finance help tip as it relates to gas bills, because of the fresh odor it provides. If you your clothes become stiff, tumble them on low for five minutes.

I Burnt Myself Again – Have you ever burnt your hands when washing them or doing dishes? Think of all the things you use hot water for. I don’t think your hot water should be so hot that you are unable to hold your hands under it with some discomfort. If you can’t hold your hand under it, it’s set too high and is costing you cash. My personal finance help tip regarding hot water heaters is change the setting so it’s not around 100 degrees, but is warm enough to get your dishes clean.

As a personal financial consultant, I’ve assisted many families reduce their overall costs. Their first step when receiving my personal finance help is to get their budget figured out. Simply doing this has often allowed them to allocate or free up hundreds of dollars a month. The next step is always to see where you can reduce expenses in other areas. In this case, I hope these tips will help you reduce your gas bill. Stay tuned for Part 4.

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Tags: Finance, Help, Household, Personal, Saving, Tips

Small Business Loan Programs- Does The New Obama Bill Help?

by European Parliament

At the end of September, Congress gave President Obama a bill ostensibly designed to help small business loan programs and small business lending. The bill, which had been hotly contested by Republicans throughout the year, was a drastically pared down version of a proposed bill at the beginning of 2010.

The real question is, does this bill really assist small business get the working capital they need? In theory, the bill nurtures small business lending via the Small Business Administration guaranteed loan programs. Normally, these programs guarantee anywhere from 50-70% of a small business loan against default for the lending institution that makes the loan. The new bill raises this guarantee to 90% in some cases, theoretically lowering the risk of default and putting community banks in a better position to take on these loans.

However, whether this helps or not is a matter of heated discussion. The problem is not that banks do not have the capital to lend. With all the government stimulus that has been targted at the banking system, financial institutions are flush with cash. The problem is really one of perception, attitude, and outright hard facts. Whereas three years ago, banks were lending with impunity and making bad loans to business, they have now over-corrected, obviously made cautious by the harsh default rates and bank failures of the last few years. It is a classic ‘”standoff” situation, where everyone from large banks, community banks, businesses and consumers are waiting to see who will make the first move in beginning to loosen loan approval requirements and spending habits.

Likewise, businesses are waiting to see when consumers will feel confident enough to purchase the goods and services that their businesses have to offer. Consumers are waiting to see when there financial situation will stabilize enough to begin their spending. So in the meantime, everybody continues to wait, and the uncertainty drags on. Unfortunately, no ‘small business” bill that can fully address this perception.

Making it easier to utilize small business loan programs and making it less risky for banks to lend is one thing, but the government cannot force banks to make loans to business. Added to this fact is that banks are more concerned of ever over tight oversight that has been imposed since the financial crisis began, worried that even a small uptick in defaults will result in federal regulators sitting in their offices for months on end, sifting through every detail of operations in effort to find wrongdoing or bad management.

The bill also provides a series of targeted tax breaks for small businesses, specifically directed at abating payroll taxes for hiring new workers,the ability for Alternative Minimum Tax businesses to claim the R &D tax credit, and tax cuts for restaurant owners and other small businesses who chose to renovate or build new facilities. Certainly tax cuts are always welcome, but in this case they only really apply if a business is planning to spend additional money on hiring, expanding or doing R &D.

Small Business Loan programs are not in short supply. What is in short supply is the proper volume of customers to make approval for such programs a reality for small business seeking working capital. Until the perception of risk changes for consumers, this problem will be a difficult one to eliminate, no matter how many pieces of legislation are passed

Tags: Bill, Business, Help, Loan, Obama, Programs, Small