tag:blogger.com,1999:blog-80169833132617873852024-02-06T19:17:47.680-08:00The Finance CornerThe Finance Corner is informative source of all finance informationALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.comBlogger95125tag:blogger.com,1999:blog-8016983313261787385.post-52706306289943149512014-01-27T02:07:00.000-08:002014-01-27T23:46:47.972-08:00Financial Changes for Transitioning into Retirement<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="color: #666666;">For many people retirement is a large
unknown. </span><a href="http://thefinancecorner.blogspot.com/2013/06/money-saving-tips-easy-ways.html"><span style="color: #bf9000;">How
much to save and where to save</span></a><span style="color: #666666;"> is different for every person,
lifestyle, health status, and location. This leaves many people
wondering whether they are ready for retirement and the steps needed
to transition their financial plans from a career to no longer
working. Here are some tips that anyone can use to get started in
this exciting transition.</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><br /></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b>How Much Have You
Saved?</b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b><br /></b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">There is so much debate over how much
money is needed to retire. Some say $100,000 is sufficient, while
others purport that $500,000 is the minimum. Unfortunately there is
no magic number. How much you need to save is extremely dependent on:</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><b>Location of living-</b> What is
the cost of living where you are?</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><b>Location of funds-</b> Will you
money still be earning for you?</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><b>Debt-</b> Have you paid
everything off (mortgage, medical, car payments)?</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><b>Medical expenses-</b> Are you
healthy now, or do you have family history of health complications
later in life?</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><b>Travel etc.-</b> What do you
want to do with your retirement? How much will it cost?</span></div>
</li>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b>You Will Probably Spend
More in Retirement</b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b><br /></b></span></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="color: #666666;">This goes against many beliefs. Often
it’s thought you’ll spend less since you aren’t commuting,
eating out as much, or spending money on your profession. With so
much extra time, people often fill it with pleasures that cost money.
Just </span><a href="http://www.dummies.com/how-to/content/how-much-money-do-you-need-to-retire.navId-403806.html"><span style="color: #f1c232;">be
safe and create a plan</span></a><span style="color: #666666;"> with the assumption you will spend more.
Here are areas where costs change in retirement</span></span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Travel- An excess of time and the
spreading out of children/grandchildren will ensure that you spend
more traveling.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Healthcare- Even with Medicare, it
is going to cost more to keep your body and mind in top shape.</span></div>
</li>
<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Housing- Good news! Housing costs
are usually significantly less in retirement with good planning.</span></div>
</li>
</ul>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b>Social Security,
Medicare, and Insurance</b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">This transition is often difficult for
people. Social Security can kick in at 62 while Medicare is not
available until the age of 65. If you are out of the workforce and
receiving Social Security before 65, then the transition is much
smoother. On the other hand applying for Medicare before you’re
receiving Social Security can be a rockier transition. Make sure you
prepare so there is no lapse in coverage. Other insurance
considerations include:</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Car/Homeowners insurance etc.-
These insurance are pretty straight forward and needs no transition.</span></div>
</li>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Longevity insurance- A product
that isn’t perfect, but could benefit a subset of retirees.</span></div>
</li>
<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Long-term care insurance- This
insurance isn’t cheap but neither is long-term care. The younger
you get it, the less you’ll pay.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Life Insurance- Many people opt to
not carry life insurance through retirement. It may be a good option
though if you question the financial security of your loved ones
when you’re gone.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="color: #666666;">Insurance across borders- Many
people plan to expatriate upon retirement. Be mindful that every
country has its own insurance laws. You could </span><a href="http://www.suncorp.com.au/insurance/life-insurance" rel="nofollow" target="_blank"><span style="color: #f1c232;">get a life insurance quote from Suncorp first</span></a><span style="color: #666666;">, before traveling and
realizing that Australia’s insurance options possibly don’t meet
your needs</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b>Consolidate</b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">One of the best things you can do for
your finances in retirement is to consolidate them. By the time
you’re ready to retire you can often have money in multiple places.
It is better to have all your money in one place and there is no
penalty in doing so. Here are the benefits of consolidating:</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Make it easier on you- Less
looking for all the places your money resides means more time you
can spend making it work for you.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Save more- Consolidating accounts
curbs your spending habit <a href="http://www.news.ku.edu/2013/04/17/trying-save-more-consolidate-your-bank-accounts-researcher-says">according
to research by KU School of Business</a>.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Make your family happy- If your
loved one handles the finances, consolidating</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b>Should you work?</b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif; font-size: medium;"><b><br /></b></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Lots of people are putting off retiring
because they still feel healthy, and their income supplements
projects they are passionate about. From charitable donations to
woodworking, these cost money and many potential retirees believe
they won’t be able to afford them upon retirement. You can still
participate in these loves it may just take a little restructuring.</span></div>
<ul>
<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Donate time- As a retiree, you’re
opportunity cost for donating your time is far less than donating
money to causes. It could also be more rewarding at the end of the
day.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Turn your hobby into a small
business- Just because you’re retired, doesn’t mean you can’t
make money. Sell a portion of what you create to finance your past
time.</span></div>
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<li><div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Be a consultant- If you could
never see yourself leaving the industry you love then be a
consultant for hire. Use all the knowledge and connections you’ve
made over your career to stay involved and work on your own
schedule.</span></div>
</li>
</ul>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><a href="https://www.blogger.com/blogger.g?blogID=8016983313261787385" name="_GoBack"></a><span style="font-size: medium;"><b>Leap!</b></span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Don’t be afraid of retirement. You’ve
worked your whole life to get here. Now that you’ve planned well
and considered contingencies you can retire with peace of mind.
Finances change when transitioning to retirement, but so will
everything else about your life.</span></div>
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<i><span style="font-family: 'Trebuchet MS', sans-serif;">The above article has posted by Amy Lewis, owner of the <a href="http://thefinancecorner.blogspot.com/" style="color: #7e7e7e; text-decoration: none;" target="_blank"><span style="color: #bf9000;">finance corner</span></a>. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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<span style="font-family: 'Trebuchet MS', sans-serif;"><i>Facebook: </i><a href="http://www.facebook.com/lewisamy3" style="color: #7e7e7e; text-decoration: none;">http://www.facebook.com/lewisamy3</a></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-25478929498655796902013-12-19T01:31:00.000-08:002014-01-27T01:36:37.020-08:005 Things You Pretend To Understand About Investment But Really Don’t<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Most market players make investments
based on their own experiences and understanding. In a lot of ways,
investing is a lot like gambling. And like gambling, investing also
has fundamental rules. No one may be able to predict how a market or
a particular investment will perform on a given day but you will have
a higher chance of success if you know the basics rules of
investment.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">These five are just some of the
concepts that you might believe you already understand but do not:
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Risk</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Every investor understands that all
forms of investment comes with associated risk. For instance, in the
stock market, a lot of people tend to believe they are safe from risk
as long as stock prices don’t go up. On the contrary, stock prices
are not the only thing determining factor for the value of their
investment. Stocks can in fact lose value due to other reasons, such
as political and economic factors. If you invest in a foreign
currency, changes in the foreign exchange rate may also affect how
your stocks are doing.</span></div>
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Diversification</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Stock market investors may believe that
buying stocks across different industries diversifies their
portfolio. This is not true. <a href="http://thefinancecorner.blogspot.com/2011/03/investment.html" target="_blank">The investment portfolio</a> is in fact, not
truly diversified because all investments are placed in just one
vehicle—stocks. A truly diversified portfolio includes not just
stocks but also <i>other</i> types such as bonds, savings,
ETFs, mutual funds, and real estate. Diversification may also mean
making investments in other countries.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Inflation</span></h2>
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<div style="margin-bottom: 0cm; text-align: justify;">
<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Do not make the mistake of thinking
that inflation rates only affect consumer prices. Inflation can also
have an impact on your investments. For example, if one of your
investments gets a 5% return, but the current inflation rate in your
country is 7%, then there wouldn’t be much cause for celebration
because this only means that the value of your investment has fallen
despite having recorded a little growth. Investments must beat the
inflation rate to be considered profitable.</span></div>
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Volatility</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><a href="" name="_GoBack"></a>Wikipedia defines
<a href="http://en.wikipedia.org/wiki/Volatility_(finance)" target="_blank">volatility</a> as “a measure of variation of price of a financial
instrument.” You may see volatility as something negative in
investments like in stocks, and it can be—if your risk appetite
is low. However, volatility is not always a bad thing. You can take
advantage of a volatile market to buy into a stock <i>when prices
get low</i>. Keep in mind though, that if you choose to invest in a
highly volatile stock, you need to constantly monitor this investment
and be a more active trader.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Savings</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Savings can actually be crucial part of
your overall investment strategy. While it’s tempting to put all of
your money on a lucrative investment, a good investor must still know
how to save. In fact, before you focus on serious investments, it
is wise to <a href="http://www.comparehero.my/savings-account" rel="nofollow" target="_blank">open a savings account</a> and just let your money earn interest.
Interest on your account may not earn a lot but at least your money
is not exposed to risk. It also helps that the funds in a savings
account remain liquid so you can access it if a good investment
opportunity comes up.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Investing is not for everybody. It
takes a certain aptitude for business and economics for someone to
perform well and succeed. Even experienced investors are still prone
to losses and failures, because of the volatile nature of most
investments. But as long as you understand the fundamentals of
investing—and exercise persistence and tenacity—it won’t be
long before you can start getting the hang of it.</span></div>
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<i><span style="font-family: 'Trebuchet MS', sans-serif;">The above article has posted by Amy Lewis, owner of the <a href="http://thefinancecorner.blogspot.com/" style="color: #7e7e7e; text-decoration: none;" target="_blank"><span style="color: #bf9000;">finance corner</span></a>. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-62162029865164928802013-11-29T01:43:00.000-08:002013-11-29T01:49:10.547-08:00How Insurance Calculator Help Consumers Learn the Real Cost of Insurance Plans<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif; text-align: left;">People don’t think about life insurance much and many think that
they don’t need one. It’s understandable why many believe this
since people are hard-wired to avoid thinking about their own death.
It’s a macabre subject and many believe that getting life insurance
is a pricey proposition.</span></div>
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But then again, life happens. Or more aptly, death happens. We’re
all headed that way and some go sooner than others. If you have a
family that depends on you, your untimely demise can be catastrophic
for your family both emotionally and financially. There’s the
medical and funeral expenses that need to be paid, your household’s
monthly bills will continue to arrive, and there’s also the
question of other future expenses like college tuition fees for the
kids, and retirement income.</span></div>
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To help take care of the financial needs of your dependents upon your
demise, you should consider getting life insurance. <a href="http://en.wikipedia.org/wiki/Life_insurance" target="_blank">Life insurance</a> is
a binding agreement between you (the insured) and the insurer. Under
this contract, the insurer promises to pay your designated
beneficiary an agreed-upon sum in the event of your demise. Some life
insurance policies start to give out benefits when the insured
becomes terminally or critically ill.</span></div>
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The benefits that your designated beneficiary will receive from your
life insurance will help them continue to live comfortably after your
death. The benefits can also go towards paying potential federal
estate taxes.</span></div>
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So, are you ready to <a href="http://thefinancecorner.blogspot.com/2012/11/top-questions-for-your-life-insurance.html" target="_blank">start looking for life insurance</a>? There are
sites that let you compare many of the life insurance products from
many insurance companies. These sites may also have an insurance
calculator to handily help you determine the amount of life insurance
coverage that you need.</span></div>
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Calculators</span></h2>
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If you talk to an insurance salesman, they will ask you several
questions about your financial situation and future financial needs
to determine your life insurance coverage. Life insurance calculators
work the same way. You answer a few questions that will help the
system compute for the amount of life insurance coverage that fits
your unique situation.</span></div>
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Some of the questions that the insurance calculator will likely ask
you include the amount of debt that your family needs to pay, the
medical and funeral expenses that your family may incur when you die,
the amount of income that you put in, and how much of that needs to
be replaced.</span></div>
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An insurance calculator will also take into account the living
expenses of your survivors, how many children you have, and how many
of them plan to go to college. Details about your savings and
retirement accounts will also be asked so these can be factored into
the computation.
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All of that information will help the calculator come up with the
amount of life insurance coverage that you need. The next step for
you is to find an insurer that offers a life insurance product that
can provide such coverage.
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The sites that offer life insurance calculators can also provide you
with useful information on which insurance provider gives the best
rates for that amount of coverage so you will know the cost of the
premium you need to pay for.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">
Gilbert Bermudez writes for Compare Hero, Malaysia’s leading <a href="http://www.comparehero.my/">credit
card comparison</a> website. Loves fishing, swimming and a
hobbyist.</span></div>
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<div style="background-color: white; color: #515151; line-height: 18px; text-align: justify;">
<i><span style="font-family: Trebuchet MS, sans-serif;">The above article has posted by Amy Lewis, owner of the <a href="http://thefinancecorner.blogspot.com/" style="color: #7e7e7e; text-decoration: none;" target="_blank"><span style="color: #bf9000;">finance corner</span></a>. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-91584779537513334542013-11-13T03:24:00.000-08:002013-11-13T03:24:46.242-08:00Financing Your Car without Breaking Your Finances<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Whether it is a new or used car you are looking for, the issue of paying for it can always end up breaking your bank. The money may not even be fully coming from your bank at the time of purchase, but you usually end up feeling it later on. There really isn't</span><span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"> any great way of paying for a car, but the best possible option is always with cash, fully up front and that’s that. Unfortunately the chances of being able to obtain the amount of cash you likely will need is slim, in fact most people don’t ever pay for a car in full straight from their pocket.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">So with your other options left, is there really a way to <a href="http://en.wikipedia.org/wiki/Finance" target="_blank">finance</a> that car without completely destroying your finances, here and now, or even later down the line?</span></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: large;">Your Options for Financing</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">There are quite a few ways you can get loans, or extend your payment time, or set up a payment plan to pay off the car. The main ones are:</span></div>
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<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Dealership: The dealership is always happy to offer this option to anyone.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Your Bank: So long as you have the Collateral, or good enough Credit.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Financial Institution or Credit Union: There is bound to be one that will help anyone.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Home Equity: If you own a home, but you are also linking your home and car.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Acquaintance: For those with moneybag friends or family whom are willing to help.</span></li>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Each one of these options will have their good qualities and their bad ones. Dealerships are right there and ready to help, but they will also pressure you to add on things that you don’t need. With Banks you can’t just on the fly set them up, and usually require a few weeks if not longer. Financial institutions could be a risk if you are handling them online, since there are scams for that. Borrowing through your home, also puts your home at risk, and usually your car with it. Personal loans from a friend could damage a relationship if issues arise.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">On the upside, credit unions and dealerships are quick and happy to take care of a lot of the work for you. Banks will provide excess information like informing you if you are paying too much for the car. Home equity gives you some tax deductions, and friends could give you the greatest break in terms of interest.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">When it comes down to the options though, if you can pull for it, a personal loan from a friend is likely to be the most worth it and provide the easiest assistance. A bank would fall next and be the safest, but only if you even have that option (poor credit puts you out usually). After that it fluctuates. If you have a home and are willing to tie them together that’s the best option, if you don’t a credit union and dealership are about the same, except the credit union gives you what you need, a dealership will try to up-sell you for more than you need.</span></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: large;">The Costs for Financing</span></h2>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The biggest cost you’ll see is from interest rates. This is why borrowing from a friend can be the least costly, thanks to a personal contract being set up and in some cases friends are happy to loan the money and expect the same amount back, which is the best interest rate you’ll get anywhere.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">For every other option, your interest rate may not necessarily equal the value you might have seen on a car commercial. Those are averages for a working class middle-aged white man. The interest rate will be largely based on your credit history and score, what type of car you are getting, whether it is new or used, the length of time it takes to pay off the loan, where you are in the world, what your gender is, and a number of other factors such as where you are getting the loan from.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The dealership is likely to be the one to provide you with the most options in terms of your interest rates and how to handle the loan. You’ll find ones like 0% APR, or Rebates to go with it, or maybe even some special deal they happen to have going for that day only, you lucky devil.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">All of these have extra conditions you aren't made aware of at first. 0% APR usually requires a high enough credit that could have gotten you a loan from the bank, and that it is always for a car that is already on the lot, and almost always ends up being <a href="http://www.autoissues.org/RateSavingsComparison.htm" target="_blank">more in cost in the long run</a> compared to a cash rebate that most dealerships will offer.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">When it comes down to it, you have a lot of choices to make, and buying a new or used car is not something to take lightly or on the fly. It’s a big purchase, even if most of it will be a loan for you, and that means you need to pay attention to what it is you are having to pay for. Pay attention to dealerships trying to mark you up for things like car prep, or any tactics that are meant to raise the price on you after you have the car like <a href="http://www.lemonlaw.com/spotdelivery.html" target="_blank">Spot Delivery</a>.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">If you have any troubles, don’t be afraid to find someone (especially a friend) who might know a bit more about finances, and the way loans should work.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Erin Patrick is a car enthusiast and has been associated with the automobile finance industry for nearly 10 years. She enjoys writing on behalf of <a href="http://www.strattonfinance.com.au/" target="_blank">Stratton</a> and helping consumers and businesses alike find the best <a href="http://www.thefinancecorner.blogspot.com/2011/04/obtain-car-loan-even-with-bad-credit.html" target="_blank">car finance available</a>.</span></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the <a href="http://thefinancecorner.blogspot.com/" style="color: #7e7e7e; text-decoration: none;" target="_blank"><span style="color: #bf9000;">finance corner</span></a>. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com1tag:blogger.com,1999:blog-8016983313261787385.post-56510153828407374692013-11-12T05:16:00.001-08:002013-11-12T05:22:44.921-08:00Loan Forgiveness for Federal Aid<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">If you are struggling to pay off your <a href="http://www.fafsa.ed.gov/" target="_blank">federal student loans</a>, there are several options that can help you either receive a discharge (forgiveness) of your student loans or reduce the monthly payment to reflect your difficult financial situation. These are the Teacher Loan Forgiveness, Public Service Loan Forgiveness and Income Based Repayment Programs.</span></div>
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<span style="font-weight: bold;"><span style="font-family: Trebuchet MS, sans-serif;">Teacher Loan Forgiveness is a relatively simple program with some basic rules:</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The <a href="http://www.studentdebtrelief.us/forgiveness/teacher-loan-forgiveness/" target="_blank">teacher loan forgiveness program</a> was created in an attempt to lure more people into the teaching profession by offering principal reduction on federal student loans in the amount of $17,500. <span style="font-weight: bold;"> </span>Along with the principal reduction, many teachers may also qualify for public service loan forgiveness which will also be discussed in this article. The combination of these two forgiveness programs has made becoming a teacher very attractive. <span style="font-weight: bold;"> </span>There are however some rules to qualify for the principal reduction on your federal student loans<span style="font-weight: bold;">:</span></span></div>
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<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You cannot be in default on a subsidized or unsubsidized loan at the time you apply. </span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You cannot have an outstanding balance on Direct Loans or Federal Family Education Loans as of 1 Oct 1998 or on the date you took out one of these loans if it was after 1 Oct 1998.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You must have completed five academic years of qualified, consecutive teaching service and at least one of those years must be after the 1997-98 academic year.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The loans you are applying for must have been taken out before five academic years of qualified teaching service.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The time you received benefits teaching in an AmeriCorps Program does not count toward your five academic years.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You must have been employed in an elementary or secondary school that qualifies under Title I of the Elementary and Secondary Education Act of 1965 or was selected by the Department of Education as a school with over 30% of its students that qualify for Title I services.</span></li>
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<span style="font-weight: bold;"><span style="font-family: Trebuchet MS, sans-serif;">The Public Service Loan Forgiveness Program is and even simpler program with fewer requirements:</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Much like the teacher loan forgiveness program, the <a href="http://www.studentdebtrelief.us/forgiveness/public-service-loan-forgiveness/" target="_blank">public service loan forgiveness</a> program was implemented to try and attract educated folks into working for local, state, or the federal government. If you have federal student loans and work in the public sector, you may qualify for loan forgiveness after 120 qualifying payments. This means any balance remaining on your federal loans would be forgiveness by the government as soon as ten years after graduation if thats when you being working in the public sector. Of course, there are some rules to qualify for the public service loan forgiveness program: </span></div>
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<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You must be working in a Public Service position when you apply for loan forgiveness and when you make each payment. </span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You must make 120, on-time and in full monthly payments under a qualified repayment plan on your Direct Loans before any remaining amount can be forgiven. </span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Only payments made after 1 Oct 2007 qualify </span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Only Income Based, Income Contingent, or a Standard 10 year repayment count as qualifying payments.</span></li>
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<b><span style="font-family: Trebuchet MS, sans-serif;">Income Based Repayment</span></b></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="line-height: 12pt;"><span style="color: #666666;">If it turns out you do not qualify for either Teacher Loan or Public Service Loan Forgiveness (</span><a href="http://en.wikipedia.org/wiki/Public_Service_Loan_Forgiveness_(PSLF)" target="_blank"><span style="color: #bf9000;">PSLV</span></a><span style="color: #666666;">), there is still the option of an </span></span><a href="http://www.studentdebtrelief.us/repayment-plans/" style="line-height: 12pt;" target="_blank">Income Based Repayment</a><span style="color: #666666; line-height: 12pt;"> Plan. The income based repayment program bases your monthly student loan payments on your income rather than your loan amount and interest rates. Depending on your family size and income, you may qualify for a payment of zero on your federal student loans. This zero payment is not a deferment or a pause of the loa<a href="http://www.blogger.com/blogger.g?blogID=8016983313261787385" name="0.1__GoBack"></a>n, that monthly payment would count to your forgiveness. </span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="line-height: 12pt;">Take for example a mother who stays at home with her children and is not currently working, and does not plan to work for the next ten years. This mother would not be responsible to make a payment for ten years, and when she does reenter the workforce, she would only be responsible for 15 years of payments rather than 25. Also, interest during the first three years in the income based repayment program is forgiven and not capitalized if your income based payment is less than what you would normally pay in interest per month in a standard repayment. Here are some main benefits of the income based repayment plan:</span></span></div>
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<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">What You Pay Is Based On What You Earn – Your new monthly payment is based on fifteen percent of your discretionary income (after monthly bills and food) and the size of your family.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Forgiveness After Twenty-Five Years – If you meet all of the Income Based Repayment requirements; your remaining loan amount, after 25 years of qualified payments, will be forgiven.</span></li>
<li style="line-height: 12pt; margin-bottom: 5pt; margin-left: 0pt; margin-top: 5pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Help With Interest – If your new Income Based Repayment amount doesn’t fully cover the monthly interest that accumulates on your loan, the government will pay the unpaid amount for up to three consecutive years. This is on Direct Subsidized Loans and Subsidized Federal Stafford Loans as well as the subsidized portion of FEEL Consolidation Loans. The three year period begins with your first payment under the new Income Based Repayment Plan.</span></li>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">There are some aspects of the income based repayment that some borrowers may not like. First, your lender will request updated income information and recalculate your payment depending on your most up to date financial situation. This means your payment will increase if your income increases. Even if there are no changes to your income or household size, this paperwork still has to be submitted to the loan servicer. Failure on your part to do so will result in your monthly payment being returned to the original amount you paid under the Standard Repayment Plan. Also, if you do not provide the necessary paperwork on your income, then the unpaid interest will begin to capitalize.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Smaller Payments Mean More Interest – Since an Income Based Repayment amount is lower than the original Standard Repayment amount, you’ll be making payments over a longer period. This means you may end up pay more interest on your loan. Keep in mind also that the interest you pay for the first three years under an Income Based Repayment Plan is not capitalized. This means that you do not pay a single cent against your loan amount for 36 months; only interest.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Taxes May Apply Even With Forgiveness – If you have not repaid the full <a href="http://thefinancecorner.blogspot.com/2011/12/if-youre-considering-going-to-college.html" target="_blank">student loan</a> after the maximum twenty-five year period, the remaining will be forgiven. However, that ‘leftover’ amount is still considered taxable income and the Internal Revenue Service will require you to pay. </span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Getting your loans forgiven or repaid can be difficult. Be careful in your research and choose the best option available to you. Good luck!</span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-77271148231678809892013-11-12T05:09:00.000-08:002013-11-12T05:22:08.848-08:00Here's a Quick Way to Compare Debit Cards<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Trebuchet MS, sans-serif;"><span style="background-color: white; text-align: left;"><span style="color: #666666;">I</span></span><span style="background-color: white; color: #666666; text-align: left;">f you would like to be more prudent in managing your personal finances, you should definitely consider getting a debit card. Almost any bank today offers this kind of financial instrument to consumers. But before applying, you might want to do a little research to make sure that you get a debit card that not only suits your needs but also offers you maximum benefits. Some features you check out:</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="font-family: Trebuchet MS, sans-serif;"><span style="color: #666666;">Annual/ monthly fees. When shopping around for debit cards, see if subscription requires monthly or annual fees, and how much. There are several debit cards now that will cost you nothing on maintenance fees. If you choose a </span><a href="http://en.wikipedia.org/wiki/Debit_cards" target="_blank"><span style="color: #bf9000;">debit card</span></a><span style="color: #666666;"> that requires you to pay membership fees, the rewards offered or benefits you get should at least be as much as the annual/membership fee. Otherwise, you might as well go with cards that waive this fee.</span></span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Maximum card value. The maximum amount on your debit card limits the amount you can deposit and charge on your debit account. You have to make sure that the maximum value gives you enough coverage, especially if for instance you plan to frequently use the debit card for traveling or everyday expenses.</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Spending and withdrawal limits. Some cards allow you to spend your maximum card value in a day, others limits daily spending to a percentage of your maximum card value. The same thing gos with ATM withdrawals. You can compare debit cards according to the maximum amount you are allowed to withdraw on a daily basis. There are some that do not impose an ATM withdrawal limit and there are also cards that do not offer this feature at all.</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Electronic capabilities. Check whether the bank or debit card provider offers online services. A lot of banks now have mobile apps that can be downloaded to smartphones and used to make electronic payments to service providers and product merchants anywhere, anytime. Online facilities bring a lot of convenience especially if you would like to avoid long lines and pay your bills instantly and without any fuss.</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Transaction fees. Most debit cards today will not charge you a ringgit more than the amount of your purchase every time you make a transaction. You may, however, have to pay an additional fee if for instance, you opt to withdraw some cash on top of the amount of the product or services provided to you (if feature is allowed by merchant). ATM withdrawals using your debit card may also be subject to transaction fees.</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Cash reloading. The reloading feature allows you to replenish funds in your debit card account from a savings account, another debit account, or by making a deposit over the counter. Some debit cards impose a limit on cash reloading features while others have no limit.</span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="font-family: Trebuchet MS, sans-serif;"><span style="color: #666666;">In summary, you would want a card that has the lowest/zero annual fees and as much as possible, no limits on cash reloading and withdrawals. Also, choose a card with no transaction fees for ATM withdrawals, especially if you plan to use the credit card on a regular basis. </span><span lang="en-PH"><span style="color: #666666;">To keep yourself updated follow or subscribe to your favorite </span><a href="http://thefinancecorner.blogspot.com/" target="_blank"><span style="color: #bf9000;">finance blog</span></a><span style="color: #666666;"> over the internet.</span></span></span></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><i><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The above article has contributed by Gilbert to the finance corner.</span></i></span></div>
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<span style="background-color: white; background-position: initial initial; background-repeat: initial initial;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Gilbert Bermudez writes for Compare Hero, associated with leading <a href="http://www.comparehero.my/" target="_blank">credit card comparison</a> website. Loves fishing, swimming and a hobbyist. </span></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-34907641380640600712013-11-01T03:28:00.000-07:002013-11-05T21:36:55.742-08:00Understanding Savings and Accounting<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: Arial, sans-serif;">Only a small percentage of people
actually understand their accounts! The global economy maybe showing
signs of recovery but the depression is far from over and fears of a
pull back on recent growth still linger in the back of the mind.
Indeed, another financial crisis might be just around the corner, and
before it hits we think it is time to know exactly what you should be
doing to protect your business against future events.</span></div>
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<span style="color: #666666; font-family: Arial, sans-serif;"><b>What you need to know about basic
accountancy</b></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="color: #666666;">Businesses and consumers should have
an understanding of their accounts and at least a </span><a href="http://en.wikipedia.org/wiki/Accounting" target="_blank"><span style="color: #bf9000;">basic knowledge of accountancy</span></a><span style="color: #666666;">. Firstly you need to build a complete picture of your
total income to the total expenditure and that incredibly important
and elusive figure of disposable income.</span></span></div>
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<span style="font-family: Arial, sans-serif;"><span style="color: #666666;">However the disposable income should
never just be considered ‘spending money’. Think of the bigger
picture! A percentage of this important figure should be saved, a
portion used for future build, and then a small amount just used as
free spending. </span><a href="http://thefinancecorner.blogspot.com/2013/07/secret-to-saving-money.html" target="_blank"><span style="color: #bf9000;">Savings</span></a><span style="color: #666666;"> should be the bigger portion as this will
carry you through financial turbulence.</span></span></div>
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<span style="color: #666666;"><span style="font-family: Arial, sans-serif;">Future build is about expanding and
developing. If you are an SME owner, do you have any plans to fall
back on if your product or service loses its demand? This pot of gold
is for you to invest in diversifying your business. If you are an
employee or self-employed, do you have a plan if you are made
redundant or a greater income. </span>
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<span style="color: #666666; font-family: Arial, sans-serif;">You should also put some spending
money aside, but keep this sum to a minimum – don´t overstretch
your budget. The less you spend here means the more you are
developing your future or creating a pot of gold to look after
yourself through lean financial hardship.</span></div>
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<span style="color: #666666;"><span style="font-family: Arial, sans-serif;"><b>When do we need to get help to deal
with the more complex accountancy issues? </b></span>
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<span style="color: #666666; font-family: Arial, sans-serif;">If you are self-employed, you are
entitled to tax breaks on your income, but a lot of business owners
do not realise where they can save money. For example, if you work
from home, you can claim gas and electricity as a business expense.
An accountant will be able to help you work out all of these possible
and helpful tax deductions.</span></div>
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<span style="color: #666666;"><a href="http://www.blogger.com/blogger.g?blogID=8016983313261787385" name="_GoBack"></a>
<span style="font-family: Arial, sans-serif;">You may also need a <a href="http://www.fundingsolutionsuk.co.uk/" target="_blank"><span style="color: #666666;">financial advisor or broker</span></a> if you are investing in a retirement fund or any other type
of investment. Try and keep your investments safe, but remember some
people liken investing to gambling, so only invest what you can
afford to lose if the worst should happen. Remember, if you see a
profit in your investment cash it in unless you are sure it’s worth
holding for a bigger profit. </span>
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<span style="color: #666666; font-family: Arial, sans-serif;">Understanding your finances does not
have to be complicated. It is important to simplify things so that
you know exactly what you can afford to do and what your goals are
for the future. If we had a little help and advice, we could be
preparing for the unexpected and still living for the moment. For
individuals and SME’s alike it’s time to prepare for the future
and get ahead of your peers. You will understand what percentages of
the disposable balance should be saved and what should be used to
grow your businesses and investments.</span></div>
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<span style="color: #666666; font-family: Arial, sans-serif;">Be proactive with your finances and
set yourself clear goals for the future.</span></div>
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<i><span style="font-family: 'Trebuchet MS', sans-serif; font-size: xx-small;">The above article has posted by Amy Lewis, owner of the <a href="http://thefinancecorner.blogspot.com/" target="_blank">finance corner</a>. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-88749761067694589572013-10-10T03:39:00.000-07:002013-10-10T21:23:17.636-07:00Asset Allocation and The Importance of Spreading Your Risk<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">There is no investment that does not incorporate an element of risk. As much as we’d all like to make a ‘safe investment’, in reality, there is no such thing, although the level of risk inherent in particular investments can vary wildly. Seasoned investors understand that risk is an implicit aspect of every investment, as shares can fall in price and economic conditions can vary on a day-to-day basis. In this post we aim to identify the different types of investment that are available, and provide pointers on how best to control your level of risk by creating a diverse investment portfolio.</span></div>
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<span style="font-weight: bold;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Asset Classes</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Asset classes are all associated with varying levels of risk and anticipated returns over the medium to long term, and as such, there is no one asset class to turn to in search of the best performance over a given period. An asset class is made up of three main classes of investment: equities, bonds and cash. Each of these classes is associated with a different level of risk and return, as well as the time frame in which you can expect to see a return.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Equities, commonly referred to as shares, are issued by public limited companies (PLCs) which are listed on the stock exchange. By buying a share in a PLC you become a shareholder and effectively own a small part of that company. As such, your investment is intrinsically linked with the fortunes of that company. If the company performs well financially, the share price will rise, which can lead to capital growth for the investor. It is also possible to receive income in the form of dividends, which are paid annually based on the company’s performance. The risk element of the investment is that, if the company does not perform as well as expected, the share price will fall below the level of your investment and you will be out of pocket.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Bonds, otherwise known as ‘fixed income securities’, are commonly issued by government and businesses as a method of raising money. Bonds effectively act as an I.O.U. and provide investors with a regular stream of income, which is usually specified and returned over a predetermined period of time. Once issued, bonds can be traded between investors without the issuer’s involvement. Bonds generally offer a steady rate of return but at a lower risk than equities, which can provide a higher return.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Traditionally, cash is held in a bank account where it can accrue interest. However, cash funds also have considerable market power, which can be used to access a better rate of return on deposits than you would receive from a bank account. Cash is often used in short-term bonds known as ‘money market instruments’, which is a convoluted term to describe the process of banks lending each other money. </span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Each asset class is associated with a different characteristic of risk. Young investors are often prone to selecting higher risk investments with the potential for a higher yield. However, as people near retirement age and they have a substantial investment fund they’d like to protect, more conservative investments with a steadier rate of risk and return are de rigueur. Although risk cannot be avoided completely, by putting all your eggs in one basket you are much more exposed, so diversification is key. </span></div>
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<span style="font-weight: bold;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">The need to diversify</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">This is particularly important with share and bond investments, although diversification is still recommended with cash investments, despite the low level of risk associated, as the level of interest you receive is subject to market fluctuations. Even choosing not to invest is a decision which carries an element of risk. The key to diversifying is to find the right balance of risk and return for you and to incorporate a broad range of asset classes. </span></div>
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<i><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">If you’re looking for an experienced team of <a href="http://www.bhifa.co.uk/?utm_source=financecorner&utm_medium=guest+blog&utm_campaign=Asset+allocation+and+the+importance+of+spreading+your+risk" target="_blank">financial advisers, Cardiff</a> based Bartholomew Hawkins can help. With a bewildering number of <a href="http://thefinancecorner.blogspot.com/2012/11/why-you-should-invest-in-food-storage.html" target="_blank">investment opportunities available</a>, they can help you create an investment portfolio which perfectly reflects your tax position and attitude to risk.</span></i></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-38944978628060314842013-09-05T05:37:00.001-07:002013-10-10T21:23:42.958-07:00Make the Huge Car Insurers Work for You- By Avoiding Them<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #444444; font-family: 'Trebuchet MS', sans-serif;">If there’s one thing that the Big Three insurance providers do well, or at least do often, it’s produce commercials. No doubt you've encountered them: the stereotype-sensitive cavemen; the British talking gecko; the man who gleefully personifies disaster; and the streak-haired, barcode scanner gun-wielding hipster woman, “Flo”.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">Now depending on your humor style, media-consumption habits and patience level, these ads may either amuse or annoy you. Unfortunately for my reputation as a fun-loving commercial-watcher, such as it is, I definitely tend toward the latter of those two and have come to find the ads irritating. Some of it is simply due to ad-saturation. For instance, as was pointed out on an <a href="https://en.wikipedia.org/wiki/The_Fabian_Strategy" target="_blank">episode</a> of <span style="font-style: italic;">30 Rock</span>, Geico has a ton of mascots that tend to show up… a lot.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">For the unfamiliar, they are represented by- the aforementioned cavemen and anthropomorphic cockney gecko, those two guys who play guitars and drop one-liners, a disturbing anthropomorphic pile of cash that stalks people, an anthropomorphic pig that shrieks, a film noir type narrator in a fedora and the “money savers” campaign (there are more, too).</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">Geico also tends to overestimate the appeal of these characters. On the strength of the first, admittedly clever, cavemen-getting-offended commercial, a cavemen sitcom was considered, produced, written up and then honestly, actually aired. After meeting dismal critical reception and even being condemned as racist, this situational comedy featuring characters created by an advertising agency for a car insurance corporation attempted a desperate retooling before it was canceled. I won’t go into what it might say about the state of the world if a sitcom based on corporate mascots became a popular favorite. Although I suppose one could give them kudos for switching their commercial subject matter up a little bit.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">I know I’m not alone in my insistence that never seeing another Progressive commercial with the now-near-unbearable “Flo” character would be alright with me. The same goes for their mustachioed “Messenger” who is, I guess, meant to appeal to hipsters with his totally ironic mustache and general 70s-ness? (The Messenger character even tried to “Friend” me on Facebook. Are there people out there interested in establishing friendships with characters from corporate commercials?) The actor Dean Winter as the personification of disaster and destruction is maybe less obnoxious but those commercials tend to be one-note and are definitely creeping up on getting old.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">Believe it or not, there’s a point to all this grumbling about advertisements: it seems indicative of their priorities. And those priorities seem to be: flashy commercial spots, a lot of work being put into characters people remember- whether positively or not, an attempt to appeal to potential customers with pop culture dazzle rather than substantive and great emphasis on convenience. Some of those emphases are more overt than others- “Insurance in 15 minutes!” While those commercials are great for spreading name recognition and sticking with those who view them (we’re talking about them here), that kind of widespread familiarity can backfire.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">One famous, or infamous, example is the <a href="http://mattfisher.tumblr.com/post/29338478278/my-sister-paid-progressive-insurance-to-defend-her" target="_blank">case</a> of comedian Matt Fisher and his sister Katie. In 2010 Katie Fisher was tragically killed in a car accident that wasn’t her fault. Her brother Matt became understandably furious when Progressive, Katie’s insurance provider, paid a lawyer to defend the (uninsured) man who hit and killed Katie because paying the lawyer was presumably cheaper than paying what they owed her family- she had uninsured motorist coverage. Along with the story, which soon went viral in a huge way, Fisher posted images of Progressive’s mascot Flo grinning over some really cold, apparently cruelly-indifferent posts from Progressive reps.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">While people were already tiring of the Flo character, when she appeared above comments from Progressive that seemed like the epitome of icy corporate greed taking priority over a tragically-killed customer’s family and interests, her smile struck many as grossly inappropriate. Suggestions that it was more of a leer than a smile were definitely made. It didn’t help that after the debacle went public Progressive denied having hired any lawyer at all in association with the Katie Fisher case, only to recant when Matt Fisher called them on it and admit that yes, OK, they had hired a lawyer.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">Geico has suffered similar bad press, including any number of horror stories about claims dodged, terrible customer service and one case that infuriated the pro-gun biosphere when Geico revoked a customer’s policy because that customer worked in “the weapons industry”. The man worked for a company that legally made gun-parts for the American firearm industry. Of course as a private company, Geico is probably well within their rights to drop a customer for working in an industry they find morally or ethically objectionable but it certainly didn't help their reputation among the gun crowd.</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">All of that aside, the Big Three insurers have millions and millions of customers, and the more customers a corporation caters to, the greater the possibility that people slip through the cracks. And for my money, I’m not sure that convenience-of-sign-up should necessarily be such a prominently featured draw. I love convenience as much as the next guy but car insurance is an important financial consideration and whatever provider you pick will most likely be with you for years. If choosing the right provider takes half an hour rather than 15 minutes, in my humble opinion- so be it!</span></div>
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<span style="color: #444444; font-family: Trebuchet MS, sans-serif;">I have a fair amount of experience with <a href="http://thefinancecorner.blogspot.com/2012/03/7-things-you-can-do-to-cut-your-car.html" target="_blank">car insurance</a> and my advice based on that experience is: go with a provider that’s smaller than the Allstate, Geico or Progressive, but not one that’s unknown. If there’s one way in which the Big Three are definitely helping you out, it’s that their presence makes their smaller competitors fight for your business. The mid-sized houses (mid-sized for insurance companies) that are less well known for their <a href="http://www.thehartford.com/auto-insurance/" target="_blank">auto insurance</a> want to provide<a href="http://www.blogger.com/blogger.g?blogID=8016983313261787385" name="0.1__GoBack"></a> you with great service and a great product. Plus, their more modest size can translate into more personal service, better customer care, often quicker claim returns and more of an incentive to keep you happy than the mega-providers. Find an established provider that’s big enough to trust but not too big to care and you should do OK.</span></div>
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<span style="font-family: Cambria, Arial; font-size: 13px; text-align: start;"><i>Edward Oberg has put the insurance game on hiatus and now spends his time reading cheap genre novels, shaking his head in dismay at the state of movies these days, haunting yard sales, hunting for the monster brook trout that delights in mocking him and, when he finds the time, blogging. He has vowed to defy the accepted wisdom regarding boring insurance reps by being extremely interesting.</i></span></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-22795107065150006172013-07-10T05:26:00.000-07:002013-10-10T21:23:59.092-07:00What is Market Economy?<div dir="ltr" style="text-align: left;" trbidi="on">
Posted by Amy :)<br />
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Market economy primarily depends on the supply and the demand of a product. The decision regarding the pricing, investment, production and distribution of a product is made according to the demand of the product in the market and the supply being provided. Market economy refers to an economy in which all the above mentioned decision are taken as per two factor – demand and supply. <a href="http://en.wikipedia.org/wiki/Market_economy" target="_blank">Market economy</a> is in contrast with the planned economy. In case of planned economy, the production decisions does not depend on factors like production and decisions but are already decided as per the plan of the production.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Market economy can range from a free market to a regulated market conditions. Market economies however do not exist in pure form as the society and the government regulates them to a great extent. Most of the market economies are better referred as mixed economies as they include some degree of economic planning and state directed activities associated with them. Free market is often used synonymously as market economy but it might also refer to free market anarchism. <a href="http://economicrisis.com/category/economy" target="_blank"><span style="font-weight: bold;">Market economy</span></a> ignores the presence of private property in the means of production. It can consist of various cooperatives, collectives or autonomous state agencies use the free system to acquire and exchange capital goods among them. Market socialism has many variations and involve employee owned enterprises that are based on self management and operates in markets and modules that involve public ownership.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Sometimes, the term market economy might be misleading like in America where mixed economy is prevalent but is rooted in market economy. Different economists and businesspersons have different perspectives to how strong a role the government should have in guiding the market economy and to the inequalities, the market produces. Market economies consider that the market forces like the demand and supply of a product are the primary determinants to analyze the market condition and define what is good or bad for the nation. These economies are not commonly intervened by the government through price fixing, industry subsidization and license quotas.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Many of the countries that have mixed economies are also known as market economies for the reason that they consider market forces to define most of their business states and allow the government intervention only to a small extent that is required for proper stability of the country economy. This system if a system of choice for the market place all around the globe but the extent of government intervention is still a matter of debate. No exact level of government intervention is defined that would allow an efficient economic operation of a nation.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Market economy is connected with large political ideals too. There are many theories on market economy proposed by many economists. However, Milton Friedman is one of those economists who talk on this. He advocates that free-market economy is an essential requirement for a free political system. The extent to which the government brings effect in the free market is directly related to the extent of political and civil freedom enjoyed by the citizens.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Author Bio</span>: I am William a <a href="http://thefinancecorner.blogspot.com/p/about-me.html" target="_blank">finance blogger</a>, freelancer and copyright editor from NY. Check out my site at <span style="font-weight: bold;"><a href="http://economicrisis.com/" target="_blank">economicrisis.com</a></span></span></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-28919494803702985532013-07-10T05:19:00.000-07:002013-07-10T05:22:52.342-07:00The Pros and Cons of Using a Credit Card<div dir="ltr" style="text-align: left;" trbidi="on">
Posted by Amy :)<br />
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Even if the current economy is inconsistent and unpredictable the numbers of credit card users have increased considerably over the years. <a href="http://thefinancecorner.blogspot.com/2013/05/interest-charges-on-credit-cards.html" target="_blank">Credit cards come with high interest</a> fees but yet there are several benefits and advantages that make owning a credit card worthy. However it completely rests on the user whether he should use his credit card for the good or for the bad. If utilized cleverly, credit card can indeed help you more in saving money than spending it.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">There are several benefits and drawbacks of using a credit card and in a time where an <a href="http://economicrisis.com/category/economy" target="_blank"><span style="font-weight: bold;">economic crisis</span></a> or a phase of inflation can land upon u</span><br />
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">s at any moment, you must make sure that your credit card doesn't create unnecessary troubles for you. Here in this article we will talk about the numerous advantages and disadvantages of credit cards so that you can you can make the most from your card and avoid misuse of the same.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Improved Buying Power:</span> An chief benefit of credit card is its ability to improve your shopping experience. You can avoid carrying large amount of cash which is considered unsafe and use your credit card while shopping instead.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Safe Transaction:</span> Transactions with credit card is considered to safe in comparison to cash transaction. Credit card companies offer several advantages on stolen and lost things that were bought using a credit card and some credit card firms even offer insurance on purchases.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Best during Emergencies:</span> Credit card can be extremely handy during emergencies. No one knows about the future and accidents and mishaps can happen at any given time and what could be worse is the shortage of money during such moments. But with <a href="http://en.wikipedia.org/wiki/Credit_card" target="_blank">credit cards</a> you can reduce the risk of monetary shortages during such crucial times. </span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Other advantages:</span> Credit cards can offer additional benefits such as discounts on purchases, benefits in online shopping, free miles on road and airlines, EMI facilities, etc. These benefits can indeed be helpful if you use your credit card wisely.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Increased Expenses:</span> And important thing that a credit card user must realize is that whenever he shops he is paying money that he literally doesn't possess. A credit card can make its owner feel richer and therefore he shops more than normal and buys things unnecessarily. This often leads to increased expenses which finally cause more debt to the card owner.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">High Interest Rates:</span> Now after you buy an expensive item using a credit card you will have to pay it back to the card issuer and he will charge you with interest that are often much higher than you could imagine. Further if you fail to pay or delay your payments the interest rate will increase further. This is a major drawback of using a credit card since you will have to pay more for the things you buy.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Fraud and Scams:</span> Credit card frauds and scams often occur to their owners and if you do not handle it properly it can be stolen and misused. This can cause a major headache for the card owner but if reported on time much of the troubles associated with credit card theft can be evaded.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Author Bio</span>: I am William a <a href="http://thefinancecorner.blogspot.com/p/about-me.html" target="_blank">finance blogger</a>, freelancer and copyright editor from NY. Check out my site at <span style="font-weight: bold;"><a href="http://economicrisis.com/" target="_blank">economicrisis.com</a></span></span><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-54571020624120348972013-07-10T05:13:00.000-07:002013-07-10T05:14:13.138-07:00Secret to Saving Money<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-size: 12pt;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">In the present state of economic crisis where the income has fallen down and the prices of commodities have rose exponentially, ways to save money is something looked after by every individual. Whatever be your earnings, if you are not one of those business magnets who show their appearance on the business magazines or are in news, you are possibly a common man with a limited income. In the stressful state of financial distress saving a part of what you have earned is a big deal for you. <a href="http://en.wikipedia.org/wiki/Saving" target="_blank">Saving</a> money can have just a simple formula and that is to save. Clearly speaking you need to cut down your expenses so that you can save more from your earning and expend less. Avoid any luxurious expenses. Now, all you do is not to save money but to assist yourself in preventing any extra expense. Planning your personal finance is essential even during economic crisis as it may make you expend long years of savings all at once.</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-size: 12pt;">Before making any change in your expenses, you must know what you are doing. Make sure that the step that you are taking really benefits you in any way. Only then you will be able to maintain a proper balanced monthly budget. After retirement is the time that may be converted to the most painful days as far as your </span><a href="http://economicrisis.com/category/finance" target="_blank"><span style="font-size: 12pt; font-weight: bold;">personal finance</span></a><span style="font-size: 12pt;"> is considered if you have not planned it yet. There are plans such as 401k and IRA and if you are not under any of these plans, you must talk to your financial advisors regarding the same.</span></span></div>
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<span style="font-size: 12pt;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">To keep your post retirement future safe, you need to <a href="http://thefinancecorner.blogspot.com/search/label/Money%20Saving" target="_blank">start saving money</a> for the same as early as possible. It is recommended that you must save at least 10% of your total income for post retirement. Try questioning yourself whenever you are to invest in some luxury item – do I really need it? You have to treat you personal finance and your home as a business firm. Check how much you expend and how much you earn. Adjust your expenses as per the income you receive. There are certain expenses that are sure to be done. These include rents, school fees of your children, electricity, taxes and many more. If you cannot stop investing in them, you can however try to reducing the expense. Check if you are having a flat that is bigger than you need? Sometimes people have guest rooms that are seldom utilized. So, it would be better if you opt for a smaller flat that is enough in size for you.</span></span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Author Bio</span>: I am William a <a href="http://thefinancecorner.blogspot.com/p/about-me.html" target="_blank">finance blogger</a>, freelancer and copyright editor from NY. Check out my site at <span style="font-weight: bold;"><a href="http://economicrisis.com/" target="_blank">economicrisis.com</a></span></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-77577268071887246452013-07-10T05:06:00.001-07:002013-07-10T05:06:55.126-07:00Becoming a Millionaire at an Early Age<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Posted by Amy :) </span></div>
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Experts and financial gurus have given their own views and thoughts about becoming rich and wealthy for ages and while some became rich by using those theories a majority couldn't make it to the top. It is because becoming rich greatly depends on several factors which includes your expertise in a particular field, your decision making skills, your understanding of </span><a href="http://en.wikipedia.org/wiki/Money" style="font-family: 'Trebuchet MS', sans-serif;" target="_blank">money</a><span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"> and how it grows, your patience, and finally your fate. It is seen that a majority of wealthy people (accept the inheritance) became rich through a single or through all of the above mentioned factors collectively.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">In the modern times where were we are surrounded <a href="" name="0.1__GoBack"></a>with <a href="http://economicrisis.com/category/economy" target="_blank"><span style="font-weight: bold;">economic crisis</span></a><span style="font-weight: bold;"> </span>and inflation, becoming rich isn't easy and therefore only a few among us becomes vastly wealthy. But even though becoming a billionaire is a dream that appears distant for the time being, crossing the million dollar margin isn't much tough and by following some easy techniques and procedures you can become a millionaire by the time you hit 30. Here in this article we are trying cover the easy and effective ways which you can implement and become a millionaire at an early age.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Understand the Value of Time:</span> Time is a nonrenewable resource and if used inappropriately it gets lost forever. Therefore you must understand the worth of time if you wish to become rich at an early age. Start designing your career from high school and adopt a particular field in which you have the potential of becoming successful. Earn good grades in school and college exams and invest your time in learning new things rather than wasting it.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Become an expert</span>: It will be easy for you to amplify your net worth if you become an expert in a particular field. You can gain expertise in software or marketing and start your professional career with a decent salary. However it is important to know that if you don’t earn high grades in school you cannot apply for engineering or medical studies when you enter in college. And again you shouldn't just learn and gain experience but try to become an expert in the field you wish to make a career in. If you are an expert in let’s say marketing than you will be at the top of the working class and companies will hire you as a boss rather than just an employee and the salary they will offer you will be much higher than normal.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Invest assets lying idly:</span> If you own assets that are lying idly you can invest them and earn returns. Money lying idly can be used for buying stocks, real estate, gold, bonds, etc. That way you can stimulate the growth of your wealth and a majority of rich people did the same for increasing their net worth.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Be an inventor:</span> Start working on new ideas that has the potential to sell. Study the lives of inventors of the current times like Mark Zuckerberg and Steve Jobs and understand how they became wealthy by developing new ideas that became popular because of their applicability and usefulness in the daily lives of common man.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Test your luck</span>: Last but not the least, you can obviously test your luck and become a millionaire overnight like Justin Bieber. If you have talents like singing, dancing, anchoring, acting, painting, etc. you can use them for your benefit. You can start learning acting, go for music classes, start writing stories or screenplays, etc. Basically you can try your luck in the entertainment industry and who knows after a year or two you will finally become rich as well as popular.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><span style="font-weight: bold;">Author Bio</span>: I am William a <a href="http://thefinancecorner.blogspot.com/p/about-me.html" target="_blank">finance blogger</a>, freelancer and copyright editor from NY. Check out my site at <a href="http://economicrisis.com/" target="_blank"><span style="font-weight: bold;">economicrisis.com</span></a></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-3046994132384300662013-06-21T03:38:00.001-07:002013-10-10T21:24:40.265-07:00Money Saving Tips (Easy Ways :) <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">In this scenario where economic crisis is affecting almost every country, money saving has become of great importance and has brought the eyes of many an individual towards it. Having some money saved in your kitty keeps you confident and ready for any urgency. Money saving is considered as a hectic task but if you follow some tips, you can save enough of it. Here are some money saving tips:</span></div>
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<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Tax relief benefits assist in your <a href="http://thefinancecorner.blogspot.com/2013/02/saving-money-with-your-start-up.html" target="_blank">money saving plan</a>. If you are widowed, unemployed or disabled, you are entitled to have the tax reliefs for social welfare. In such a case, you can contact Revenue Site, the Department of Social and Family Affairs or the Citizens Information Center in such a situation.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">In case you have any unwanted subscription services, like if you signed up to a trial service by a TV channel and you are now paying for a full service, cancel that unwanted subscription. Many such offers come up with automatic update to a full time service. Make sure before subscribing for any such services that it does not cost you more after a specific time period.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Sometimes, people duplicate their insurance policies unknowingly. Many insurance policies come with additional benefits like a life insurance package might come with travel insurance or some other policies. Therefore, you need not insure yourself for the same through some other policy. This will save you premiums that you may need to pay for that specific type of insurance.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Make sure while making any payment that you are making the cheapest form of payment. Some of the utility companies would offer you discounts if you pay them through debit cards rather than direct cash.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Save money invested on phone and electricity bills. There are websites that will help you know how to save money from electricity and phone bills. You can analyze your own needs of these both and use plans that fit you. For an example, if you more often make STD calls, you should opt for a STD pack offered by the carrier provider and save money. Learn electricity saving tips to lower your investment in electricity.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Buy stuff online rather than going to a store. Online providers offer you stuff free from retailers charge and many other extra charges. When buying items that need not be examined at the store, like a book, C.D, etc., you can buy them online and you will get them cheap.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">You can use a spending calculator to know how much you spend each day and how much your budget or your income allows you to do.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Avoid wasting money on useless things. If your budget is tight, you should opt for articles that you really need. Do not waste money on luxurious items that are not needed.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">If you have big debt on your credit card, and you are not able to pay off all those debts on time, you should switch to a zero interest card. Many credit card owners offer you plans under which you can pay interest free debts for a period of 3 moths or 6 months as per their rule. This period is known as grace period and they give you the facility to carry your previous debts to this new credit card.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Move back to your parent’s home if you are living on rent. This will save you a huge amount. You may feel in the initial stage that you are losing your privacy in a small place, but then gradually you will get used to it and will love the company of your family members.</span></li>
<li style="margin-left: 0pt; text-align: justify;"><span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Make less use of your car. Do not use your car for a kilometer or so and you can rather walk to the place. It will save you petrol as well as keep you healthy and fit.</span></li>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">When buying prescription medicines check for its cost at different pharmaceutical stores and you will probably find a price difference between two. Buy it from the store where you get it the cheapest.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">This article has contributed by William a finance blogger, freelancer and copyright editor from NY. Check out my site at <span style="font-weight: bold;"><a href="http://economicrisis.com/" target="_blank">economicrisis.com</a></span></span><br />
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>Facebook: </i><a href="http://www.facebook.com/lewisamy3">http://www.facebook.com/lewisamy3</a></span><br />
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>Twitter: </i><a href="http://twitter.com/lewisamy3">http://twitter.com/lewisamy3</a></span><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-74748442576511374872013-05-23T03:03:00.000-07:002013-05-23T03:53:56.502-07:00Interest Charges on Credit Cards Transactions<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Credit cards acts as a boon for people when they need urgent financial support. However, it has two facets and the weird side of it is that those card issuers charge heavy interest rates and are strict with their policies. Every card owner must therefore be aware of this fact and the interest charging rules of the financial organization or the bank. For those who pay off the balance amount within the grace period provided, it would not be a mind-boggling factor, but those who often fail to do so due t their careless attitude and extravagant nature, might be hit real hard by the concerned financial body.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Let us get it bit more unfolded for you. If we consider an example where a borrower has made a transaction of $2000 and repaid the amount within the grace period (normally 55 days or depends on the card company), they would be exempted from any interest charge. On the contrary, even if $1 is unpaid, the interest charged will be on the actual amount that was borrowed ($2000) and the rates will be applicable since the day the individual made the transaction. You can find the exact details of the deductions and the calculations at the back of the monthly <a href="http://www.thefinancecorner.blogspot.com/" target="_blank">financial statement</a>. The general formula that many card issuers follow to calculate the amount of interest charged to a person is -</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">APR/100 x ADB/365 x number of days revolved.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">APR= annual percentage rate</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">The <a href="http://www.economicrisis.com/" target="_blank"><span style="font-weight: bold; text-decoration: underline;">financial</span></a> institutions charge interest from the original time when the transaction occurred and until the time the customer pays the total balance. If the customer does not make the full payment, RRFC or a residual retail finance charge incurred. This means that you might need to pay interest even with the final payment and that will be for the time between the previous payment and the final payment.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">The credit card would just serve as a revolving credit where you make some investments and pay it off within one or more months. If you do not pay back on time, it may incur you interest charges, which may bring complex interest, charge calculations and complicate your balance segment at the end of the month. It may include various balance segments incurring different interest rates either with a single umbrella credit limit or with different amount of credit limits. This compartmentalization is done so, to get easy payments from cards of other users.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">In cases where there are many transactions and all of them under different interest rates, the payment allocation of the user is on the discretion of the issuing bank and as the bank will always think of their benefit first, the amount at the lowest rate of interest are paid off first and the payment is considered towards those balances. Once the lower interest payments finishes, the next lowest payment comes into consideration. Rates of interest may vary a lot from one card-company to the other. Moreover, the rate may rise instantly if you are late were late with the payments. The issuing bank also holds the right to increase the rate at its own discretion.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><span style="font-weight: bold;">Author Bio</span>: I am William a finance blogger, freelancer and copyright editor from NY. Check out my site at <span style="font-weight: bold; text-decoration: underline;"><a href="http://economicrisis.com/" target="_blank">economicrisis.com</a></span></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-32547462978704649852013-04-16T23:22:00.000-07:002013-10-10T21:25:01.781-07:00Getting A Car Loan Is Not Much Of A Big Deal Nowadays<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">By Amy Lewis :) </span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Most people would have loved to get their hands driving a car while still young but because of the age limit in driving and the strict laws regarding underage driving, we get to own a car much later in our life. But that is for the good of everyone, you can’t go driving without a license for a reason and that is to prevent unnecessary accidents on the road. Still the age limit for driving does not prevent someone from planning on getting a car ahead. If you’re a business minded person then getting a transport long before you get into any business is a priority, so that right after you graduate you can have that car ready and of use. </span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Getting a <a href="http://financefunding.com.au/car-finance/"> car loan </a> is not much of a big deal nowadays like it was years ago, so long as you have good credit reputation you can get your can of choice and pay for it monthly without any hassle firsthand. Although you need to be responsible in your <a href="http://thefinancecorner.blogspot.com/" target="_blank">monthly payment</a> there is that allowed miss in your monthly loon pay but that shouldn’t be abused whatsoever; So if you have to buy something and will make you a month behind your car loan, its fine so long as you cover your expenses afterwards and do not delay too much. </span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Most probably you will be able to think it through that owning a car can get you a lot of things and that is true, but if you are going to get a car loan, you should make sure that you make it count. You must have a good reason for doing so and not just because you only wanted it so. A car loan is a responsibility that is reserved only for responsible person, if you don’t have a real need of a car then you are better of communing, public transport isn’t that bad they say. If you have a business, then you really should get a car. If you are a student and getting a car would be better than to commute, then a student <a href="http://thefinancecorner.blogspot.com/2012/06/how-to-get-best-auto-loan-rate.html" target="_blank">car loan</a> would be good. Weighing the use of a car and the payment you have to endure for many months is something that you should think about, a lot. </span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Your loan credit reputation is important, old people know of this and so should the young. If you messed up your car loan at a young age you will suffer its consequences later on in life. Like a bank will not loan you anymore because they cant trust you to pay up and such things. So you better know when to get a loan, a car loan and when not to; It’s probably a good idea to think things through firsthand before jumping into decisions.
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-76605503575154122042013-03-11T06:13:00.000-07:002013-10-10T21:25:21.969-07:00Common Loan Modification Techniques Carried Out by Scam Artists<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Loan modification and foreclosure rescue scammers are some of the best scam artists in the United States in recent times. They take advantage of distressed homeowners who are behind on their mortgage payments, giving them a false sense of hope while also potentially draining their bank accounts. Scam artists sift through foreclosure filings and target areas known as centers of foreclosure activity. Their advertising may come in the forms of door-to-door solicitation, flyers on telephone poles or roadside signs or traditional web, radio and television advertising.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">It may be hard to find the time to research what constitutes a loan modification scam, so here are a few of the techniques scammers use when fooling people on the brink of foreclosure.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Loan modification scam artists will do anything in their power to convince their target that they can definitely get the lender or servicer to modify a <a href="http://thefinancecorner.blogspot.com/2011/04/get-personal-bank-loan.html" target="_blank">loan</a>. A scam artist posing as a member of a legitimate organization approved by, or affiliated with, the government may also claim that a homeowner qualifies for a specific government program that aids in foreclosure defense or loan modifications. The truth is, a <a href="http://www.floridaforeclosurelitigator.com/" target="_blank"><span style="text-decoration: underline;">proper foreclosure defense</span></a> or loan modification is never guaranteed, and access to certain government programs are only guaranteed for some borrowers.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Consumers, remember this: it does not cost a cent to qualify for specific government programs meant to aid in the loan modification process or foreclosure defense. It also doesn’t cost a cent to speak with a Housing and Urban Development (HUD) approved housing counselor. If an organization is asking for thousands of dollars upfront for access to the latest government program or a recent mortgage settlement, it could be a scam. Homeowners should also be wary of scammers who may want the homeowner to pay the monthly mortgage to them and not to the lender.</span></div>
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<span style="font-weight: bold;"><span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Posing as professionals</span></span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Today, scam artists will do anything to appear as legitimate as possible. It is <a href="http://www.nytimes.com/2013/01/13/realestate/mortgages-avoiding-loan-modification-hoaxes.html?_r=0" target="_blank"><span style="text-decoration: underline;">common for non-attorneys to pose as attorneys</span></a> and offer their loan modification services. A red flag should be raised when a law firm only offers loan modification services, and nothing else. Some law firms are even posing as non-profit groups, or offering bogus loan workouts or forensic loan audits.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Scammers may also convince a homeowner to transfer the title or sell his or her home to a “foreclosure rescuer.” The scam artist will try to convince homeowners to stay in the home as renters and tell them they will be able to buy the home back later once they’ve recovered financially. Then, the scam artist is able to evict the victim and claim the home.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Homeowners who would like a loan modification or who are at risk of foreclosure should never avoid any communication from their lender. Free foreclosure counseling is provided by HUD-certified housing counseling agencies, or by contacting the Homeowners’ HOPE Hotline.</span><br />
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Posted by Amy Lewis :) A financial writer and blogger. She has been written many articles on <a href="http://thefinancecorner.blogspot.com/" target="_blank">finance articles</a>.</span><br />
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-26348704157669125492013-02-15T09:00:00.001-08:002013-10-10T21:25:39.921-07:00Saving Money with Your Start Up<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Many businesses fail within the first 5 years... It is just a common known fact and it's because many business start of with a bad business model and allocate their funds very inefficiently. When you are first starting out with a <a href="http://thefinancecorner.blogspot.com/2012/08/4-ways-to-finance-new-franchise-business.html" target="_blank">business</a> you are going to have to learn how to manage your time very effectively and even more importantly - you are going to have to learn how to manage your money very effectively.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Here are a few tips for managing your startup effectively in terms of it's financial status:</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><strong>Make sure you are investing in software that makes processes more efficient:</strong> Whether you are a </span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">company that sells T-Shirts or a <a href="http://www.1800lawfirm.com/propertytaxappeals/">law firm</a>, software integration (well - the right software integration) can really help scale your business out effectively.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Even more so, it's best to get involved in new software. A lot of the times these software companies are great prospects because they allow you to grow with them and sometimes (if you get in early enough) you can even shape and mold their company by feeding them suggestions and feedback on their software.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><strong>Get in with Other Start-ups:</strong> Building relationships with other start ups that are at the same level that your start up is on is a great way to help accelerate your businesses growth. Find a stratup that can benefit your business as well as one that you think your business can help out. Strong and long lasting business relationships can be built this way.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><strong>Choose a model - Charge more or pay less:</strong> Saving money can sometimes seem like a full time job (hence the need to pay big dollars for accountants), which is you want to decide right away whether or not you are going to be a firm that charges a lot more or a firm that charges less and but saves a lot more. There are all sorts of different ways to save moeny within a business, and if you get rid of the impulsive company buys that probably are not going to pan out in the long run then you can end up saving yourself a lot of <a href="http://thefinancecorner.blogspot.com/2012/06/never-let-your-money-sleep-why-time-is.html" target="_blank">money</a> and time</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;"><strong>Reduce your overhead:</strong> Do you really need a $300 coffee machine? D you really need the best types of chairs for your office? Even a small office can cost something like $80K to run. There are a million different ways to decrease your costs, and before you try to hire someone to 'figure out' how to reduce your company's cost for you, trying running a little audit yourself.</span></div>
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<span style="color: #666666; font-family: Trebuchet MS, sans-serif;">Those are just a few tips to help your start up save a little bit of money here and there when you are working on your business and trying to save money along the way so it doesn't ever go under.</span></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>Facebook: </i><a href="http://www.facebook.com/lewisamy3">http://www.facebook.com/lewisamy3</a></span><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-3808401786337105102013-01-24T02:26:00.000-08:002013-10-10T21:26:09.078-07:00Collateral Loans: An Overview<div dir="ltr" style="text-align: left;" trbidi="on">
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Collateral loans have become prevalent nowadays because of the significant number of individuals who need fast cash. A collateral pertains to an assurance or a guarantee that borrowers use to ensure lenders that they will repay their loans. It somewhat safeguards the welfare of lenders and enable them to make the most of their investment.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">In general, anything of high value can be used as collateral. Houses, cars, and jewelleries, are commonly used collaterals out there but the most used of them are cars.</span></div>
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<b><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Using a Car as Collateral</span></b></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Using a car as collateral is deemed risky by many <a href="http://thefinancecorner.blogspot.com/" target="_blank">financial experts</a>, but it enable borrowers to obtain the amount of funding that they yearn for.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">By choosing the car title option, they agree to the stipulation that they may lose their car in the process. Borrowers surrender their car title in addition to other legal documents and in turn, the lender keeps the title until the loan is fully paid.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">While it is quite reckless, many choose such option because it is way better than selling the car. Another good thing about car title loans is borrowers can use their car even though their loan is not yet paid fully.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Because of the mentioned stipulation, the vehicle that will be used as collateral should be insured. Otherwise, the loan application will be declined.</span></div>
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<b><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">The Process</span></b></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Interested individuals should visit the office or website of lending companies that offer collateral loans and check out their requirements. In general, the requirements for collateral loans include the car title, proof of residency, social security number, and driver’s license, among others.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">As soon as they are submitted, borrowers need to fill up a couple of application papers. Afterwards, they need to place their signature to signify that they agree to the guidelines and stipulations of the loan. Finally, as soon as they pay off their debt, their car title will be returned to them.</span></div>
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<b><span class="Apple-style-span" style="font-family: 'Trebuchet MS', sans-serif;">Conclusion</span></b></div>
<div style="text-align: justify; text-indent: 36pt;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div style="text-align: justify; text-indent: 36pt;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Nowadays, getting loans (especially collateral loans) has become a part of life and because of this; many lending companies make it a point to simplify the application process so as to lure potential clients. However, it should be remembered that having a foolproof repayment scheme before hand and borrowing more than they can afford are very critical.</span></div>
<div style="text-align: justify; text-indent: 36pt;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div style="text-align: justify; text-indent: 36pt;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">As mentioned in this article, <a href="http://www.quickcashfundingllc.com/" target="_blank">collateral loans</a> are very beneficial but they also come with risks that could sink the finances of borrowers. Furthermore, loans can take away their peace of mind that is why the abovementioned precautionary measures should be taken seriously.</span></div>
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<div style="text-align: justify;">
<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i></div>
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><br /></span></i></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>Facebook: </i><a href="http://www.facebook.com/lewisamy3">http://www.facebook.com/lewisamy3</a></span></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>G+: </i><a href="http://plus.google.com/u/0/109747796190703640285/posts">http://plus.google.com/u/0/109747796190703640285/posts</a></span></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><br /></span></div>
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<span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;"><i>Twitter: </i><a href="http://twitter.com/lewisamy3">http://twitter.com/lewisamy3</a></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-78044102767701074042013-01-21T21:27:00.000-08:002013-02-03T21:49:34.679-08:00Steps to Transform the Lives of a Third World Entrepreneur and His Family<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;">
<img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGw7Qi9SsEpN0ZXjDsa5PzhwWIx6VRypAIfXlQ5J4BQHG1Ux5VRqxyLm-ahCuOmrEWzKTsOzdfCoGRXGpO36Y8_eyzIoecbtREvZBTh5Tdb_DIRK2Hn-NAiR8Oy2pci4ucGlY6n-60LUI/s1600/c.gif" /></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">The
people living in developed countries can never realize the way poor
and rural people live in third-world countries. Despite their
economic and technological advancements, millions of people living in
Asian and African countries still do not have access to clean water,
electricity and sanitation. So you can always consider granting a
micro loan amounting to few dollars to make a huge difference to the
lived of third-world entrepreneurs and their families.</span></div>
<div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Despite being a small to
medium sized <a href="http://thefinancecorner.blogspot.com/2011/01/business-bank-loan.html" target="_blank"><span class="Apple-style-span" style="color: #666666;">loan</span></a>, micro finance is effective in providing
sustainable source of income and healthy living environment to
millions of rural people. The advancement in communication
technologies has further transformed the classic micro-lending model
pioneered by Prof. Muhammad Yunus. Nowadays, a lender can choose the
right peer-to-peer
lending platform and open a lender account to extend financial
support to a borrower of his choice. Once you complete the
registration process and create your online lending account, you can
use it to grant a micro loan and get repayments.</span></div>
<ol>
<li><div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><b>Choose a
Borrower: </b>The peer-to-peer lending platforms allow lenders to
browse through the profiles of prospective borrowers. The borrowers
are also displayed in different categories based on the nature and
type of their financial needs. For instance, you can grant a micro
loan to a rural entrepreneur to produce raw material and machinery.
At the same time, you also have option to offer financial support to
rural people to access clean drinking water, renewable energy,
sanitation, basic healthcare and primary education. Each borrower
profile will convey you information about his identity, location,
occupation, average income and <a href="http://thefinancecorner.blogspot.com/2011/07/finances-involved-at-start-of-business.html" target="_blank"><span class="Apple-style-span" style="color: #666666;">business</span></a> model. So you can choose a
borrower of your choice and change his lifestyle by granting a
small-sized loan.</span><br />
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
</li>
<li><div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><b>Grant a Micro
Loan: </b>Once you decide the borrower, the website will show you
the amount of fund required by him to meet his immediate needs. A
lender also has option to fund a micro loan in full or in part. So
you can enter the amount you want to invest as a micro loan. Based
on the size of your <a href="http://thefinancecorner.blogspot.com/2011/01/business-bank-loan.html" target="_blank"><span class="Apple-style-span" style="color: #666666;">loan</span></a>, the peer-to-peer lending platform will
require you to fund your lender account. You can transfer the funds
through your credit card, PayPal account or online bank account.
After you fund the lender account, the microfinance organization
will collect low capital and give the money to the borrower.
</span><br />
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
</li>
<li><div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><b>Receive Loan
Repayments: </b>After handing over the capital to the rural
entrepreneur, the micro finance institution will collect loan
repayment from him. Normally, the micro loans are provided for a
shorter period of time. When the organization will receive
repayments from the borrower, he will deposit the money in your
lender account. You can simply give an instruction to the
organization to transfer the funds into your PayPal or bank account.
At the same time, you also have option to keep the recovered loan
repayments in your lending account, and use the total amount to
extend micro finance to new borrowers.
</span></div>
</li>
</ol>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br />
</span></div>
<div style="margin-bottom: 0in; text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Regardless of your
location, you can find a number of online peer-to-peer lending
platforms bringing the borrowers and lenders together. For instance,
if you want to help a rural entrepreneur residing in India, you can
<a href="http://www.milaap.org/microloans">grant a micro loan through
popular online lending platforms</a> like Kiva, Rang de and Milaap.
However, you must read the FAQs section of the individual website to
understand to how the loan is disbursed, monitored and recovered.</span><br />
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
</div>
ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-20333722309510540962012-12-14T02:45:00.000-08:002012-12-14T02:45:03.355-08:00Top tips to invest in the equity market<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
<span style="color: #444444; font-family: 'Trebuchet MS', sans-serif;">If
you are a person who is investing in the equity markets, then there
are some tips that you can use to be a successful investor. There are
a lot of risks that are involved in the investment in equity markets.
This is why many people try to avoid the equity markets altogether.
The fact is that if you are careful and have a long term plan, then
the equity markets are the best for you to make money.</span></div>
<div style="margin-bottom: 0in; orphans: 2; text-align: justify; text-decoration: none; widows: 2;">
<span class="Apple-style-span" style="color: #444444; font-family: 'Trebuchet MS', sans-serif;"><br />
</span></div>
<ol>
<li><div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
<span style="font-family: 'Trebuchet MS', sans-serif;"><span style="text-decoration: none;"><b>Invest
for the long term: </b></span><span class="Apple-style-span" style="color: #444444;">If you are an investor, then you
should think long term only. The traders are the people who think in
the short term. They want immediate profits. They will put in their
money and want immediate returns. A long term investor should be
able to wait many years patiently till the stock appreciates in
value many times over. An investor will usually be able to make more
money than a trader.</span></span></div>
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<span class="Apple-style-span" style="color: #444444; font-family: 'Trebuchet MS', sans-serif;"><br /></span></div>
<div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
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<div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
</div>
</li>
<li><div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
<span style="font-family: 'Trebuchet MS', sans-serif;"><span style="text-decoration: none;"><b>Be
patient </b></span><b>and disciplined: </b><span class="Apple-style-span" style="color: #444444;">The investor should have
a lot of patience. There are many instances when the investor has
invested in a company and there has been no movement in the stock
price. This gets the investor to become frustrated that the money is
not providing any returns. Just when the stock prices of the company
increase, the investor will sell thinking that at last the increase
in the price has given a small return. This is only to see that the
stock price keeps increasing so much that you start buying at the
high end of the spectrum. So, if you are patient and have a target
in mind, then you should reassess when the price of the stock
reaches the target. If the fundamentals of the company are not good,
then you should book your profits and come out of the company.</span></span></div>
</li>
</ol>
<ol start="3">
<li><div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
<span style="font-family: 'Trebuchet MS', sans-serif;"><span style="text-decoration: none;"><b>Diversify
your investment: </b></span><span class="Apple-style-span" style="color: #444444;">If you are investing in the equity
markets, then you should ensure that you do not put all your money
on the same company. This is because of the fact that there could be
instances when there is turmoil in the company and your investment
will lose its value. So, the best thing that you can do is to ensure
that you try and spread your investments across many companies in
different sectors. This will provide you the best possible chance to
make an income on your investment.</span></span></div>
</li>
</ol>
<ol start="4">
<li><div style="font-style: normal; line-height: 0.17in; orphans: 2; text-align: justify; widows: 2;">
<span style="font-family: 'Trebuchet MS', sans-serif;"><span style="text-decoration: none;"><b>Add
on declines: </b></span><span class="Apple-style-span" style="color: #444444;">If you are interested in making more money
on your investment, then you can add to your investment when there
is a decline. Even if you have invested in good companies, the
equity prices will decline when there is negative news in the
economy. This is the time for you to add more number of stocks in
your portfolio. The stock prices of good companies will soon rise
and you would be able to get more money out of your investments.</span></span></div>
</li>
</ol>
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<span class="Apple-style-span" style="color: #444444; font-family: 'Trebuchet MS', sans-serif;"><br /><br />
</span></div>
<div style="font-style: normal; line-height: 0.17in; margin-bottom: 0in; orphans: 2; text-align: justify; text-decoration: none; widows: 2;">
<span style="color: #444444; font-family: 'Trebuchet MS', sans-serif;">These
are only some of the tips that will help you to make money in the
equity markets. There are so many other methods in which you can try
to minimize the risk and maximize the returns from your portfolio of
stocks.</span></div>
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<span class="Apple-style-span" style="color: #444444; font-family: 'Trebuchet MS', sans-serif;"><br />
</span></div>
<div style="line-height: 0.19in; margin-bottom: 0in; orphans: 2; text-align: justify; widows: 2;">
<span class="Apple-style-span" style="color: #444444; font-family: 'Trebuchet MS', sans-serif;"><span style="text-decoration: none;"><span style="font-style: normal;"><span>This
article was brought to you by </span></span></span><a href="http://www.fastloantree.com/" target="_blank"><span style="font-style: normal;"><u><span>FastLoanTree.com</span></u></span></a></span></div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-3970231814307317712012-11-28T02:07:00.002-08:002012-11-28T02:07:24.557-08:00Top Questions for Your Life Insurance Agent<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="text-decoration: none;">Many people would assume that looking into buying life insurance is something that is done once a person has reached a certain age group, like senior citizens. However, anyone really can buy a life insurance pl</span>an at any age as an adult. Some people ask why they would need it if they are in good health. Others have whole hosts of other questions. <a href="http://thefinancecorner.blogspot.com/2012/10/why-get-life-insurance-from-prudential.html" target="_blank">Life insurance</a> is always good to have, because if all conditions are met, it basically acts as a benefit to surviving family members.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
An agent consults with people and often has the answers to most questions that people ask about potential coverage and costs. What follows are some of the top things you should ask your life insurance agent about.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>How much coverage is needed?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This is one of the first questions asked and it is a very good one. How much coverage a person gets will determine the premiums. The premiums are what are paid every month to keep the policy in effect until the person's life has come to an end. Normally the amount of coverage needed is based on two sets of calculations and can really be answered by yourself, although the agent can help you with this. The calculations that go into this answer are: The amount it will take to pay off all outstanding debts, and the amount needed by the surviving family members to maintain a standard of living.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>What sort of policy should be purchased?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Most companies offer several types of plans, others may specialize in just one. Your agent will help you determine, based on your needs, whether you should have term, whole, or variable. Some plans allow you to borrow from your benefit while still living.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Who is the policy under?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This is very important as you need to know who your policy is under, and that company should be researched with regards to its reputation and its strength, and more importantly, will they have the money to pay up once it comes time for the benefits to be paid?</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>What are the restrictions/exclusions?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Somewhere in the policy will be restrictions or exclusions. Certain modes of death may not be covered, so it is important to know what the limitations are. If you die in a manner that is excluded under the policy, then it is likely your family will get nothing.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Is there a medical exam?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Another very important question here, because sometimes if certain medical conditions exist, coverage may not be attainable or limited further than you want. It is worthy to note that some policies can be had without a medical exam, but obviously they will cost more than the policies that do require medical exams.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Will premiums rise with age?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Many policies have set premiums, so as one ages and gets closer to death, the cost of maintaining the policy does not rise with it. However, if a policy is not renewed and you are older, getting a policy again will likely cost more.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>Is the policy renewable?</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
This relates directly with the above question. Most are renewable, but you need to make sure that you know the renewal deadline so you don't have to re-purchase a policy and risk having a higher premium since you've aged since the first policy was purchased.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
These are not all the questions that should be asked, but they are some of the top things you should <a href="http://www.iselect.com.au/life/">ask your life insurance agent</a> about. Make sure to read everything and get all your questions answered before signing on the dotted line.</div>
<div style="text-align: justify;">
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</div>
ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-73590706777139961222012-11-14T02:18:00.003-08:002013-10-10T21:26:40.708-07:00Why You Should Invest In Food Storage<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">As today's economy grows more uncertain, and the planet continues to change, we have less certainty about our existence. Without considering the 2012 end-of-the-world predictions, just looking at the natural disasters occurring in the world today it becomes evident that storing some food is a good idea. After all <a href="http://www.foodinsurance.com/" target="_blank"><span style="background-color: white; text-decoration: underline;">investing in food storage</span></a> now can mean survival tomorrow.</span><br />
<a name='more'></a></div>
<div style="text-align: justify;">
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<div style="text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">In the last few years we have seen tragedies like the Haiti earthquake in 2010, the Tōhoku earthquake that caused the tsunami in Japan last year, and the 2012 tornados that ravaged the Midwest. These events are nothing new they have been happening for thousands of years. The only change is how we as people acquire our food. We largely rely on supermarket chains and refrigeration to keep our food supply full and fresh. On top of that, over half of the foods we eat rely on some type of electricity to prevent spoilage and the rest is subject to time.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Not so long ago we stocked our cupboards with non-perishable foods that could supplement our diets. Because the growing trend has been for us to keep fresh foods, we have broken that trend. Now if we ever find ourselves in a situation that this supply chain is broken, we will be subject to starvation. The good news is that there are simple things that we can do to prepare for occasions like this.</span></div>
<div style="text-align: justify;">
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">Canned foods and meat are a simple way that we can ensure that we have food in times of distress. At one point many homes canned fresh produce for long winters, as our farming methods advanced, and we started using desert areas to grow in our off-season, these techniques have been lost. There are however many companies that still produce canned vegetables and meat. Items like Tuna, Salmon, Corn, and Beans are all great sources of nutrition and readily available in the food isle of your supermarket.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">For a more stable source of food, there are many options when it comes to freeze-dried food. You can find a wide variety of fruits and vegetables that have been prepared and packaged using this system of food preservation. There are even full meals that you just need to add water, they taste great and will last for twenty years or more.</span></div>
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<span class="Apple-style-span" style="color: #666666; font-family: 'Trebuchet MS', sans-serif;">With our ever changing planet you can find many reasons to invest in food storage. For every reason you find, there are interesting ways to invest in your security. Without being caught up in the hype associated with the upcoming predictions, it makes sense to store enough food and water for a disaster. Even if the world doesn’t end and you just have a long winter, or a time when work is in short supply, having some extra food in the house in an <a href="http://thefinancecorner.blogspot.com/2011/03/investment.html" target="_blank">investment</a> you won't regret.</span><br />
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<i><span style="font-family: Trebuchet MS, sans-serif; font-size: x-small;">The above article has posted by Amy Lewis, owner of the finance corner. For more details about Amy you can visit her social media profiles in below mentioned urls:</span></i><br />
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-22652013385737526342012-10-24T02:21:00.000-07:002012-10-24T02:43:15.390-07:00Filed Bankruptcy-What's Next?<div dir="ltr" style="text-align: left;" trbidi="on">
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If you have just filed for bankruptcy, you will have to take steps to get past this dark chapter in your life. The good news is that the worst is finally over. The bad news is that you are not out of the woods just yet. What steps should you take to make sure that you get yourself back on solid financial footing?</div>
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Make Sure That You Hire A Good Lawyer</h2>
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While your can <a href="http://thefinancecorner.blogspot.com/2011/08/student-loan-discharge-in-bankruptcy.html" target="_blank">apply for bankruptcy</a> on your own, it is always a good idea to have a good lawyer representing you in court. This is because you want to know what property is protected in the bankruptcy proceedings. For example, most states have a homestead clause that allows you to keep your house while you are going through bankruptcy.</div>
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What Type Of Bankruptcy Are You Planning On Filing For?</h2>
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Will you try to go for a Chapter 7 bankruptcy or a Chapter 13 bankruptcy? Filing for Chapter 7 allows you to completely discharge your debts. Filing for Chapter 13 merely reorganizes your current debts. Most judges will require you to file for Chapter 13 unless you can prove that paying off your debts would result in a severe hardship.</div>
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Ensure That Your Creditors Report Correctly To The Credit Agencies</h2>
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When the bankruptcy is finally approved, you should check your credit report to make sure that everything is accurately reported. Some creditors fail to tell the credit agencies that a debt has been wiped clean due to bankruptcy. If any accounts are not reported as closed, your credit score could suffer in the future. What's worse, you may even be required to make payments on that debt even if it has been wiped out in bankruptcy. Don't put yourself through that.</div>
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Apply For A Secured Credit Card</h2>
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The first thing that you need to do after your bankruptcy has been approved is to apply for a secured credit card. <a href="http://thefinancecorner.blogspot.com/2012/09/tips-on-how-to-get-credit-card-with-bad.html" target="_blank">Secured credit cards</a> are similar to an unsecured credit card in many ways. The credit card company will report to the credit bureaus. This means that you have the chance to improve your credit score with each timely payment that you make.</div>
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The difference between a secured card and an unsecured card is that you provide the money yourself. Your credit line will be determined by the amount of money you provide as a security deposit. If you give the credit card company $400, you will have a credit line of $400. Most people who have just filed for bankruptcy will be approved for a secured line of credit.</div>
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<span style="text-decoration: underline;"><a href="http://www.ppsr.gov.au/AsktheRegistrar/ThePPSRegistrar/Pages/VeroniqueIngram-ChiefExecutiveandInspector-General.aspx" target="_blank">Bankruptcy</a></span> is not the end of the world when it comes to your finances. You simply need to plan ahead to ensure that the process goes smoothly. Once you are out of bankruptcy, make sure that you are taking the necessary steps to ensure that bankruptcy will never be something that you need to file for again. As long as you learn from your mistakes, bankruptcy can be a saving grace.</div>
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Biljanais a online writer, exploring and publishing useful advice on personal finance and bankruptcy matters in USA, Australia and worldwide.</div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com0tag:blogger.com,1999:blog-8016983313261787385.post-42479751189163468502012-10-19T04:49:00.001-07:002012-10-19T04:49:22.493-07:005 Ways Credit Cards Manipulate You Into More Debt<div dir="ltr" style="text-align: left;" trbidi="on">
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Of all the financial advice anyone with a credit card can give you, maybe the most likely thing you would hear again and again is, “Beware of the special offers.” People are inherently trusting and seeking acceptance. But that’s one of the things you need to be most cautious about when you are dealing with credit cards. They are like vultures. They prey on the behaviors and patterns of the weak, and how many of us won’t use something like credit when it is offered to us? Take this financial advice and be wary of these 5 ways in which credit cards manipulate you into greater chasms of debt:</div>
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<li style="margin-left: 0pt; text-align: justify;">Introductory Interest Rates: Oftentimes providers will start their duplicity at the very beginning of your relationship. By offering you “introductory 0% interest rates for six months,” you may think that you can just keep spending and that those purchases don’t charge you any interest rates. That is true — for the period of six months. If you pay off your balance in full in 179 days or less, you have won. You are not charged any interest. If, however you don’t pay for your purchases by the time the introductory period is up, then in some cases you will pay for all the interest compounded since Day 1. It’s a tricky thing and something you should look over when they first mail you those really tiny print notices.</li>
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<li style="margin-left: 0pt; text-align: justify;">Promotional Offer Rates: Another thing that credit cards may do that you have to watch out for is offering you promotional offer rates — say for all purchases made between Thanksgiving and New Year’s, you will pay very low interest rates. However if these balances are not settled in full, again, you could be on the hook for the whole amount due. Just because there was no interest over that time period, you need to be wise to the terms of the agreement or you could be on the hook for the whole thing.</li>
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<li style="margin-left: 0pt; text-align: justify;">Loyalty Programs: A third reason to reach out for some deeper financial advice is when credit cards begin offering you loyalty programs. Because you are a “preferred customer,” they will entice you to want to spend more by dangling offers in your face that you just can’t say no to. Maybe they will offer you some “rewards bucks” or allow you “special offer days.” Whatever the offer is, these loyalty programs are just interested in getting you to spend more money than you want to.</li>
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<li style="margin-left: 0pt; text-align: justify;">Shopping Days Bonuses: Another way that credit providers lull you into economic submission is through their special programs offering “shopping days bonuses!” If they want you to use their credit card, say, on Black Friday or the weekend after Thanksgiving, the credit providers can offer you special incentives to spend more over that time period and in return you will get some silly little trinket. Even when credit providers offer substantive rewards, it is usually only because their customers have spent sizeable amounts of money.</li>
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<li style="margin-left: 0pt; text-align: justify;">Extension of Credit: A final reason to cry for financial advice is when a credit provider offers you, as a regular, on-time paying credit card customer, more credit. Extending more credit, particularly to those waylaid by maxed out cards already, is dubious for sure. People who have reached their credit limit may feel as though they need to take a step back and <a href="http://www.debt.org/settlement/" target="_blank"><span><span style="text-decoration: underline;">settle the</span></span><span><span style="text-decoration: underline;">ir debts</span></span></a>. But when a credit card says, “No, it’s OK. Here, take more!” they are deliberately making the easily victimized, victims themselves.</li>
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Jeffrey Sterner writes and blogs about personal financial well-being and issues that influence it for <a href="http://www.debt.org/" target="_blank"><span><span style="text-decoration: underline;">Debt.org</span></span></a>, America’s Debt Help Organization.</div>
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ALhttp://www.blogger.com/profile/10096088369521498718noreply@blogger.com