Credit Card Blog

How to Get a €2500 Loan in Finland?

Do you need quick cash in your bank account? We all have moments in our lives where we need money in a hurry. Whether it’s to settle an urgent medical expense, furnish your lounge, buy a new car, or go on holiday, a loan can help you find the funds you need. So, what are the credit facilities on offer in Finland? How can you source a loan at the best rate possible? Unsecured Loans An unsecured loan describes a loan that does not require any collateral from your lender. These loans are typically for amounts of €2500 or less. Be careful when you select your choice of financial provider for these loans. Only work with reputable lenders that are licensed by the local monetary authorities. There are various financial vehicles available to consumers that offer unsecured credit facilities. Credit Cards Dig through your spam folder, and you’ll probably find credit card companies and banks offering you a credit card. This type of credit facility provides you instant access to cash, based on your current credit profile and income. It’s possible to receive an interest moratorium on any credit you spend with the card. However, this moratorium will end around 55 to 60-days after purchase and interest added to any payments after that. Cash Loans Are you in need of cash in a hurry? Instant cash loans are available for a multitude of credit providers. The most common type of unsecured cash loan is a payday loan, where credit providers loan you money against your next paycheck. Hire Purchase Facilities These credit facilities are available for people that want to purchase a new car or another consumer product such as a lounge suite. These credit agreements are typically structured over anywhere between a 6-month to 5-year period. Interest can be […]

7 Reasons not to Borrow from your 401(k)

Can you think of any reasons not to borrow from your 401(k)? Having a traditional retirement savings plan in place often triggers the temptation to borrow from it. After all, it’s your money! Before making any financial mistakes though, consider…

Pay off Debt or Save Money?

US families face 2 main financial problems: low savings and huge debt. After years of trying to pay off debt or save money, most people ask themselves: ‘Which should come first? Debt payment or savings?’ There is no clear answer…

6 Retirement Planning Steps to Make Before It’s Too Late

Retirement planning – if you shudder hearing these words, don’t. While it’s stressful to think about this, if you take care of the basic steps starting from today, you stand a great chance to retire earlier and also enjoy your golden years. Don’t rely on anyone to care for you, you can set yourself for retirement. In most countries the state pension plans are almost bankrupt or not looking great anyway. We both know that the baby-boomers generation won’t happen to soon anymore, as most of us have no kids at all or have 1-2 the most. This means that, when we’ll grow old enough to retire, there will be fewer young people to pay taxes for our pensions. Hence the reason why we should all consider the state pension to be amazing and wonderful, if we get any, but don’t expect anything from it anyway. We’ll get older, there’s nothing to do about this, so, if we cannot avoid retirement, we should get financially ready for it. Here are 6 steps to consider for your retirement planning 1. Curb your spending and get control over your money If you routinely overspend and have absolutely no idea about where your money goes, I have bad news for you – when you retire, you’ll get into bigger troubles than now. At least today you have your salary, most likely, imagine your reckless spending with a fraction of what you earn today. Not pretty at all, right? Start budgeting, even if it’s a very simple system, like we already showed you on Pftoday, and see if you can start saving some money this way. Having an emergency fund ready will also make it easier for you to further achieve your financial goals. 2. Pay off debt as much as possible If you […]

How to Write Great SEO Content for Your Clients

Would you finish reading a really long article if it was boring? The quality of your freelance content writer work counts a great deal in the eyes of your clients. So learning how to write great SEO content is a must! No one likes wasting their time reading sub-par content and the search engines won’t boost your poorly written articles either. But the most important aspect of all, your freelance clients won’t like wasting their money on low quality work! In order to offer the best content writing services and make a living writing, here are some tips to help you create great SEO content to impress both the search engines as well as your clients. Why is SEO writing important With myriad websites online today, it’s impossible not to be able to earn money from web content writing gigs. It’s worth mentioning that written SEO content is still king today. It’s what search engines have been programmed to pick up with accuracy and it’s why many web content writers can earn a decent living working from home. All in all, SEO content is important for 2 reasons: 1 – Search engines know how to scan a website from head to toe and determine whether it deserves to be rewarded with good rankings or if the website should be ‘punished’. Sent to a corner with no food for months! In other words, you won’t be seen in Google’s first search results if you don’t write quality SEO content. 2 – Visitors will immediately know if your website will benefit them or not. It’s why business owners pay professional writers to take care of their website. Write great content, get more visitors. Write boring content, readers will leave in search for a better website. That’s bad news for you, bad news for […]

How Much to Save for Retirement

We cannot run from retirement and, provided we are live long enough, we’ll get there. This is why retirement planning is mandatory. One of the biggest questions any prospective retiree is asking is ‘how much money do I need to…