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Home – My Personal Finance Skills

By Carlo Castille 6 months ago

My Personal Finance Skills delivers free financial education workshops to schools across the country to help students understand more about money and leave school ‘life-ready’. These workshops are targeted at students across KS4-5 (14-18 years old) are ideal for enrichment days, PSHE/Citizenship lessons or career insight days and can help you meet some of the Gatsby benchmarks.

Due to ongoing school closures as a result of Covid-19, we have adapted our programme to offer a selection of free on-demand financial education sessions which can be found below as well as under the students tab. As soon as it is safe and possible to do so, we will start our in-school financial education workshops.

More about us

Find out more about the My Personal Finance Skills programme.

Teachers

Find out about our free financial education workshops and free online sessions.

Students

Free online financial education sessions and

Finance

Personal Finance News Information Tips

By Carlo Castille 6 months ago

Greetings all,

I guess it’s about time to shut down this blog, Top Finance Blog. It’s been a nice run of 11 years and initially I had a lot of fun and made some nice money, but those days are gone and it’s time to move on.

Since I never had many return visitors or subscribers and had only one comment in the last 5 months, I doubt anyone will actually read this. But that’s okay because I’m turning off comments in any case, so I’ll probably never know if anyone ever cared about most of the content here in the last few years or so.

However, if there were things here that interested you, here’s a bit of information for you. Many of the articles here will be repurpose elsewhere. They’ll either go to my accountant’s blog, who I write for, or my relatively local blog, Syracuse Wiki, where

Finance

Top 15 Best Personal Finance Websites

By Carlo Castille 6 months ago

Here are the top 15 Best Personal Finance Sites based on popularity as derived from our eBizMBA Rank which is a continually updated average of each website’s Alexa Global Traffic Rank, and U.S. Traffic Rank from both Compete and Quantcast.“*#*” Denotes an estimate for sites with limited data.

3 | CNN Money
148 – eBizMBA Rank | 50,000,000 – Estimated Unique Monthly

Business Entrepreneur

6 Ways to Grow Your Business By Focusing on Personal Health

By Carlo Castille 6 months ago

May
4, 2020

5 min read

Opinions expressed by Entrepreneur contributors are their own.

In 2018, Elon Musk famously said that people need to work “80 to 100 hours per week” if they want to change the world. His comments are a reflection of the view that it is not enough to work smart — you have to work hard, too.

Unfortunately for Mr. Musk, while working those kinds of hours helped him create successful businesses, they may take a terrible toll on his health and future ventures. Working 80-plus-hour weeks is not sustainable for most and leads to poor concentration and high levels of unsustainable stress.

From a health perspective, therefore, Musk is not a model for entrepreneurs to follow, and even he admits that. Entrepreneurs need to guard against personal health issues so that they can guide their businesses through tough times. Working long hours is not out

Finance

The Ultimate Guide to Personal Finance

By Carlo Castille 6 months ago

Credit, Credit Scores and Credit Reports

Which comes first, your credit or your first credit card? That’s not much easier to answer than, “Which came first the chicken or the egg?”

The reality is that your credit comes after your first credit card or loan. No loans, no credit cards means no credit.

There’s credit—an advance to buy something—and then there’s your credit—aka your credit file.

Credit

Credit is essentially a loan from a bank or other financial institution, including a credit card issuer. These entities are collectively known as creditors or lenders and extend credit to you in the form of:

Installment loans —aka installment credit—such as a mortgage or car loan
Lines of credit or credit cardswith a maximum usable credit limit—known as revolving credit
Credit arrangements are utilities, memberships (think gym) and service agreements (think cellphone)
Charge cards that are like credit cards, but have to

Business Entrepreneur

5 Ways to Protect Your Business and Personal Credit Scores During a Crisis

By Carlo Castille 6 months ago

April
16, 2020

5 min read

Opinions expressed by Entrepreneur contributors are their own.

Between uncertain cash flow and concern over how to meet financial obligations such as payroll and bills, it’s a stressful time to be a small-business owner. Many entrepreneurs are experiencing the same anxieties over unemployment, debt and financial sustainability. Your personal and business credit scores could take a hit if you have to miss payments due to a cash shortfall.

Related: The Zero-Sum Mindset: How to Avoid Toxic Thinking in Moments of Crisis

Implement these strategies to help protect your credit score while we wait for the pandemic to pass:

1. Regularly review bank accounts for any suspicious activity.

Unfortunately, crises and the financial relief that often follows seem to bring out fraudsters and criminals. That’s certainly true in the current crisis with the CARES Act, which has already prompted its share of scams targeting your

Business Entrepreneur

The Entrepreneur Job Description | Personal Touch Career Services

By Carlo Castille 6 months ago

Ah, job descriptions: While a critical document for the HR department, sometimes their value is not always appreciated in the day-to-day operations of the company. However, a job description’s value extends way beyond just being a tool to hire new employees. In fact, they can help establish expectations, identify areas of weakness, and give direction to the workday.

Interestingly enough, most entrepreneurs and business owners fail to write a job description for themselves. As a result, they perform their work “on instinct;” in the end, this results in overlooking key functions that can slip out-of-mind.

Many entrepreneurs may be quick to exclaim, “I do everything!” Well, that is not an effective management tool. For a job description to be work, it needs to state in clear terms what the areas of responsibility are and how they shall be performed.

Back some time ago, I created the job description for my

Finance

Personal Finance Services Market 2020 Global Trend, Segmentation and Opportunities Forecast To 2026

By Carlo Castille 7 months ago

The Personal Finance Services market report is a most important research for who looks for complete information on the Personal Finance Services market. The report covers all information on the global and regional markets including historic and future trends for market demand, size, trading, supply, competitors, and prices as well as global predominant vendor�s information. The forecast market information, SWOT analysis, Personal Finance Services market scenario, and feasibility study are the vital aspects analyzed in this report.

(Special Offer: Get Flat 20% Discount on this Report)

Get Free Sample Copy of this Report: https://www.marketinsightsreports.com/reports/03211920325/global-personal-finance-services-market-report-2019-market-size-share-price-trend-and-forecast/inquirycougaraccess&Mode=Auto

Top Leading Companies of Global Personal Finance Services Market are Credit Karma, Harvest, Mint, LearnVest, Quicken, YNAB, WalletHub, Doxo, Microsoft, Personal Capital, Money Dashboard, PocketSmith, The Infinite Kind and others.

The leading players of Personal Finance Services industry, their market share, product portfolio, company profiles are covered in this report. The leading market players are analyzed

Finance

Personal & Family Finance | USU

By Carlo Castille 7 months ago

The finance resources you will find here are unbiased, researched, and reliable. Experts are available in your county, as well as expert advice which is published at our “Utah Money Moms” website and social media. We also provide the tools to help manage your finances for free; PowerPay is a nationally recognized debt reduction tool.

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Free Personal Loan Calculator | MoneySuperMarket

By Carlo Castille 7 months ago

Loan calculator

Secured loans: Your home may be repossessed if you do not keep up repayments on a mortgage, loan or any other debt secured on it.

We compare loans that can be paid back over terms of between one and 25 years. The APR interest rate you’ll be charged depends on your personal circumstances, and will be between 2.8% and 99.9%.

This is a representative example of what it may cost: 5.5% APR Representative based on a loan of £10,000 repayable over 60 months at an interest rate of 5.5% pa (fixed). Monthly repayment of £190.39. Total amount payable £11,423.40.

How do you calculate payments on a loan?

Your monthly loan repayments can be calculated by dividing the total loan and interest amount by the number of months the loan will take you to pay back.

Our loan calculator shows you how much a loan will cost you