My Finance Time: Accounting | Banking | Broker | Credit

What Is Personal Liability Insurance? Coverage, Claims & Protection

June 28, 2025June 28, 2025 Johnny

Accidents happen — and sometimes, they can cost more than just a quick apology. Whether it’s a guest slipping on your porch, your dog biting a passerby, or your child damaging a neighbor’s property, you could be held financially responsible for injuries or losses. That’s where personal liability insurance comes in. This often-overlooked coverage is…

Insurance

What is Investment Planning? A Beginner’s Guide to Smart Investing

June 27, 2025June 27, 2025 Johnny

Do you remember saving coins in a piggy bank as a kid? That small act gave us our first taste of financial control. But as adults, our financial dreams grow — a house, kids’ education, early retirement — and so must our approach. Simple saving isn’t enough. This is where investment planning becomes crucial. If…

Investment

The Ultimate Guide to General Ledger Accounting for Businesses

June 13, 2025June 13, 2025 Johnny

Keeping accurate financial records is critical to running any successful business—and that’s where general ledger accounting comes into play. Often called the backbone of a company’s financial system, the general ledger (GL) serves as the master record that tracks every transaction. But what exactly does general ledger accounting involve, and how can businesses use it…

Accounting

Real Estate Accounting: How to Stay Financially Organized

June 12, 2025June 12, 2025 Johnny

Whether you’re managing a handful of properties or running a growing real estate firm, maintaining clear and accurate financial records is crucial. Real estate accounting goes beyond traditional bookkeeping—it’s a framework that helps agents and firms manage income, expenses, assets, and compliance responsibilities. When handled correctly, accounting empowers better decision-making and minimizes risk. If you’re…

Accounting

Home Buyer Loan: Your Guide to Smart Financing Options

May 31, 2025May 31, 2025 Johnny

Buying a home is one of life’s biggest financial decisions—and finding the right home buyer loan can make that journey smoother and more affordable. Whether you’re a first-time homebuyer, a returning buyer, or simply looking for better mortgage options, understanding today’s available loans, grants, and assistance programs can give you a real advantage. This guide…

Loan

Mortgage Protection Insurance: What You Need to Know

May 29, 2025May 29, 2025 Johnny

When you purchase a home, you’re not just investing in property—you’re securing a future for your family. But what happens to that investment if something unexpected happens to you? Mortgage protection insurance can play a vital role in safeguarding your home by helping to pay off your mortgage in the event of your death. While…

Mortgage

Best Forex Trading Strategies to Boost Your Market Performance

May 27, 2025May 27, 2025 Johnny

Navigating the forex market can be both exciting and daunting. With over $7 trillion traded daily, the forex space offers immense opportunities for those who adopt consistent and well-tested forex trading strategies. But success isn’t just about luck or market timing—it’s about having a structured approach and the discipline to follow it. This guide introduces…

Forex

What Are Commercial Property Loans and Who Should Consider Them?

April 24, 2025April 24, 2025 Johnny

Investing in commercial real estate can be a powerful way to build wealth, diversify income, or expand your business operations. But unless you’re purchasing with cash, you’ll likely need a financing solution tailored to this type of investment. That’s where commercial property loans come in. What Are Commercial Property Loans? Commercial property loans are financing…

Loan

Top 5 Reasons to Trust AI Over a Human Financial Analyst

March 21, 2025March 21, 2025 Johnny

As artificial intelligence continues to evolve, its role in finance is expanding rapidly. AI-powered financial analysts, such as Shmoney AI, are revolutionizing how investors make decisions by providing real-time market data, unbiased insights, and predictive analysis. But why should you trust AI over a human financial analyst? Here are the top five reasons: 1. Real-Time Market Data…

Finance

Is a No Doc Loan the Right Choice for Your Financial Needs?

March 8, 2025March 8, 2025 Johnny

In today’s diverse financial landscape, securing a loan can be challenging, especially for individuals with unconventional income streams or limited documentation. One solution that has emerged to address these challenges is the No Documentation Loan, commonly known as a No Doc Loan. But what exactly are No Doc Loans, and are they suitable for your…

Loan