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Stanley-Schwarz
176

Hi! My name is Stanley.
Topics that I write are usually finance in nature (since I do read about them quite a bit). They covers the basics of finance; mostly commonsense stuff, nothing overly fancy for the average Joes. But even if what I may say is commonsense; quite a lot of people do not know much about the basic financial stuff, and that's a shame, because the maths behind is rather simple.
 

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Business & Money
by Stanley-Schwarz
6 years ago
Debt Management: Debt Avalanche

You would need just the interest rate on the debt you owe, all other information are irrelevant.

Using just the concept of compound interest, heck, even common sense would tell you that the highest interest card would accure a higher-interest-to-cash-owed ratio.

What you...

Business & Money
by Stanley-Schwarz
6 years ago
The Big Problem With Compound Interest

When people talk about compounding and the calculation behind it, quite often, there is a tendency to imply a consistent percentage, or interest, which the sum would compound at. Fundamentally, this is flawed.

The market has never yet given a consistent interest over a substatial period...

Business & Money
by Stanley-Schwarz
6 years ago
Business Plans - Why Do We Need One?

For the aspiring entrepreneur(s), a business plan allows him to set his business in black-and-white, to allow him to clearly articulate his goals, and ideas, and to test their viability.

Writing a business plan requires a considerable amount of time and effort, which could be well...

Business & Money
by Stanley-Schwarz
6 years ago
What To Write In My Business Plan?

Bear in mind the purpose of a business proposal is to convince, to persuade the reader (who are most probably your lenders) why they should part with their cash to help you. Readability is a necessity here; confounding others by means of arcane words and obfuscation is unlikely...

Business & Money
by Stanley-Schwarz
6 years ago
Retirement Saving Calculator

So exactly how much do you need to save for your retirement? And if you just happen to be around your early 20s, why should you?

Statistically, only one out of 10 Americans is prepared to retire. If you are in your early age, saving for...

Business & Money
by Stanley-Schwarz
6 years ago
Debt Management: Debt Snowflake

Debt is a dangerous game to play, and I say this because many people, especially college-would-be-graduates, have no idea how loan works. Debts can be used well; do not let me tell you otherwise. But if you have no idea what you are dealing with exactly, debts are...

Business & Money
by Stanley-Schwarz
6 years ago
Phone Bills: Are You Paying More Than Necessary?

According to the research by Billmonitor, using data from a sample size of 28,417 anonymised bills, researchers have found that 76% (or close to ¾) of subscribers are wasting an average of £200 annually, simply because they do not get a sutiable mobile phone plan for their needs. ...

Business & Money
by Stanley-Schwarz
6 years ago
Calculating Future Saving At Constant Compound

If you have no idea what is compound interest, you are not going to understand the rest of this article, that or you will be somewhat lost.

Using the concepts of compound interest, how then do you calculate the final amount yielded when you invest a...

Business & Money
by Stanley-Schwarz
6 years ago
Stocks: What Are They?

Imagine you wanted to buy a stock of McDonald. They have 100,000 shares outstanding (this is an hypothetical example, so bear with me). In effect, what you are doing is buying 1/100,000 of the McDonald company. In a manner of looking at it, a bit of all their...

Business & Money
by Stanley-Schwarz
6 years ago
Debt Management: The Debt Snowball

the debt snowball snowball debt

Business & Money
by Stanley-Schwarz
6 years ago
Debt Management: The Danger In Ignoring It

Debt is akin to fire. A great slave to have, and a poor master as the dictum goes. If it is within your control, having debts can help our finance substantially; think taking out a loan to start a small business, or a college loan.

Then...

Business & Money
by Stanley-Schwarz
6 years ago
Income Surplus: Leveraging on the 2 Influences to Generate Excess Cash

Using the 2 basic mathematic operation, find out how you can increase the cash that goes back in your pocket in this article.

Business & Money
by Stanley-Schwarz
6 years ago
Compounding Interest: How Do You Figure Compound Interest?

Compound interest is the most powerful force in the universe.

Compounding is simply put, the interest which grows over time. And it will be the very factor which will create a big impact if done over a long time, in investing and in long term investing. ...

Business & Money
by Stanley-Schwarz
6 years ago
Compound Interest

Compounding interest is actually pretty simple to calculate; but what is it?

This objective of this article will not show you how to compute compound interest; rather it will show you why it is beneficial for your overall portfolio.

Consider this

I...

Business & Money
by Stanley-Schwarz
6 years ago
Becoming Rich? I Just Need to Earn More.

When I was in school, I was always told that to become rich, you should study hard and land yourself a good job, enjoying life. The assumption is, once you secured yourself a high paying job, the rest your finance would take care of...

Business & Money
by Stanley-Schwarz
6 years ago
Am I Truly Prepared to Pay Off My Debt / Invest?

Counting financial freedom in the form of paying off your debt or investing for your future are admirable goals. Time, as we know it, is a potent force in aiding or destroying your financial position. Debts left aside long enough, or investments, properly selected, will compound and soon...

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