Reaching Financial Freedom

By John Sage Melbourne

When you envision your retirement years,opportunities are you picture wonderful,stress-free years where you’re free to do what you desire. This is why it’s imperative that you prepare thoroughly so your properties change your income. Do not leave it approximately chance and do not leave it too late.I have seen on numerous occasions when investors make certain they’ll have the ability to retire on rent made from properties without crunching the numbers. The matter of retirement is typically avoided for a long time,or we presume that our extremely will be enough. We do not watch on the numbers,put it into the too-hard basket,and then when retirement methods,we understand too late that we must have been preparing rather.

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According to Ian Hosking Richards from Your Investment Property Mag,even a property portfolio of over $6 million wouldn’t be enough to fund a comfortable lifestyle.Still not persuaded?Ian points out that the combined mortgage of those properties would be $4 million,and while rent would be substantial,once the outgoings are paid there really wouldn’t be that much left for an excellent retirement. The fact is that it’s too challenging to grow a large enough portfolio of cash-flow positive properties to change your income.It’s time for a much better technique.

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Best Local Dive Bars Near Short Term Rentals & Business Rentals In Madison,Wisconsin

It’s no secret that Wisconsinites love their alcohol,and the rambunctious college town of Madison is no different. But if you’re the type of person who doesn’t really like frat bars or sports bars,dive bars may be more your speed. Here are some of the best dive bars in walking distance of short term rentals and business rentals in Madison,Wisconsin.

Le Tigre Lounge

If you aren’t a fan of taxidermy,you should probably avoid this place. THere is a giant stuffed tiger that you can sit near,and the bar boasts one of the oldest liquor licenses in the entire city.

Caribou Tavern

Caribou Tavern is your quintessential dive – cheap,crappy beers and a no frills atmosphere. What sets it apart,however,is the ‘Bou Burger,which draws hungry patrons in from all over the state.

Irish Pub

The Mackesey family of Madison opened this bar in the Irish district of the city more than 30 years ago,and they still own and operate it to this day. Unlike other Irish bars,Irish Pub is happy to serve up Irish Car Bombs for those brave enough to take one.

Village Bar

Village Bar,a classic Madison dive,serves up burgers and homemade chili,perfect for the cold winter months. And if that isn’t enough of a selling point,Jerry Seinfeld used to be a regular at Village Bar,so you’ll be in good company if you decide to become a regular too.

Villa Tap

Villa Tap serves all of your classic cheap beers that dive bars are known for,like Pabst Blue Ribbon and Miller High Life. But where Villa Tap stands out is with their local beer selection. If you’re looking to sample some of the state’s amazing beers brewed by local brewers,stop by Villa Tap.

Woody and Anne’s

Consider All Options Before Transferring Balances

There’s a lot of consumers in debt and they’re trying different options to reduce their debt. One of those options in through the use of credit card balance transfers. On the surface balance transfer are great and can potentially save you a lot of money over the long run. There are still some concerns you should have before you make the switch.

Balance Transfer Fee Expensive

Most balance transfers that are offered via a credit card such as www.getchaseslate.comcharge 3% on the balance. Depending on your debt load 3% can be an expensive initial fee to transfer debt.

You will have to look at the bigger picture and consider how much money you will be saving with this transfer. If you are moving to a credit card that is offering 0% interest over 18 months then you will have to do the calculations to project how much money you will be saving. Afterwards determine if the 3% transfer fee is minimal or not.

Credit Score Affected

To apply for a balance transfer credit card and opening an account will require the financial institution to do a hard inquiry into your credit report. This will definitely reflect in your credit score which may cause it to decrease.

If you’re concerned about your score and don’t want to see it drop then you will need to reconsider the balance transfer option. You will also need to factor in how much of your balance transfer balance will be eaten up with your transfer. If it is more than the 30% utilization then your credit score again will be dinged.

These are issues that need to be discussed and thought out before choosing a credit card offering balance transfers.


How To Get Started With Credit Cards

If you’re a beginner with using credit and need some advice on how to get started,this is a little guide with steps to get you on the right track. Some people see credit cards as a bag thing but if used responsibly credit cards allow you to earn a high credit score which will lead to getting approved for loans and better interest rates.

There are various entry-level type credit cards you can consider which don’t require a lot of personal information to get approved. A popular choice are pre-approved cards like the indigoapply . Here is a quick list of entry-level type cards to consider.

Store/Retail Credit Cards

This is perhaps the most popular way to receive a credit card through a popular retailer. Retail credit cards or store credit cards at your favorite store such as Kmart,Jcpenney,SteinMart,and others are options to begin with.

They are not as stringent on their application process and are more open to giving people with little to no credit history a shot at using credit.

Secured Credit Cards

These cards have been around for a long time and they typically require a cash deposit which is collateral just in case you renege and stop paying your credit card bill. With these cards you will need to make sure they are issued through a reputable financial institution.

Typically banks offer secured credit cards so you can stop by your local branch and see what they have to offer. Be sure the card reports to all three credit bureaus.

Student Credit Cards

Student cards are popular items that banks are offering to college students and younger. This allows students to begin building their credit score at an early age so they can be prepared for large purchases such as new cars,loans,or homes.

Students will need to be prepared to pay higher interest rates and manage their account responsibly.