tag:blogger.com,1999:blog-88535330088011516442024-03-14T07:14:18.202+08:00Insuranceadminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comBlogger60125tag:blogger.com,1999:blog-8853533008801151644.post-89213727172556493042018-07-09T03:06:00.000+08:002018-07-09T03:06:42.786+08:007 tips for reducing your car insurance costs in 2018<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">“How can I save money on car insurance?” is probably one of the most commonly asked questions when it comes to renewing or buying a new car insurance policy. Everyone wants to save money - but when it comes to securing car insurance coverage, its jargon and pricing complexities can make finding the best value policy an ordeal for many Hong Kong drivers. So, in an effort to bring transparency to the world of auto insurance, our team of experts at Kwiksure have compiled the following top tips for managing and reducing your car insurance costs.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>1. Know this about your No Claims Discount</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The importance of driving safely also brings us to the topic of No Claims Discounts (NCDs), which many insurers in Hong Kong offer. As discounts given to policyholders who go claims free for a set period of time, driving accident free can result in significant cost savings. In fact, the maximum amount of NCD for private cars in Hong Kong is 60%, representing five years of claims free driving. The good news here is that most insurers (but not all) in Hong Kong will allow you to take your NCD with you if you decide to switch providers.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Comprehensive car insurance and NCD protection</span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Many comprehensive car insurance policies also provide the benefit of NCD protection, which ensures that your NCD record carries forward when it comes time to renew in light of previous claims made. There are, however, a number of stipulations attached to this benefit. For example, many insurers will only carry the policyholder’s NCD forward if the claim submitted does not exceed 15% of the vehicle’s insured value.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>2. Adjust your excess</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Another tip for reducing your auto insurance premiums is to increase your excess, which is the amount you need to pay if you make a claim. As a general rule of thumb, the higher the excess, the lower your vehicle insurance premium will be - and vice versa. Take care however, and try not to go overboard in selecting a high excess just to save money on your premiums. After all, issues could arise further down the road should a costly accident occur and you are left with a large excess to pay.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>3. Have a clean driving record</b></span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Besides protecting your own well being and that of those around you, driving safely can help ensure that you pay a lower rate for your car insurance. This is because your driving history is one of the most crucial factors influencing how auto premiums are calculated in Hong Kong.</span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">If you do not have a clean driving record (i.e. you have a history of accidents and/or a high number of driving offence points), you can expect that your premium will increase or be higher than someone with no driving offence points. That said, in Hong Kong many insurers will only increase or charge a higher premium if you have acquired over a specific number of demerit points (usually six).</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>4. Pick the right car</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The value and make of your car also has an impact on how premiums are calculated. For instance, premiums for a new Toyota Corolla will be far lower than a brand new Porsche 718 Boxster. This is because the cost to repair or replace a vehicle is much higher if the car is worth more. Another thing that’s worth noting here is that insurers will tend to charge a lower premium when insuring drivers with more commonly driven vehicles vs cars that are less common/ rare. This is because, simply put, auto insurance providers tend to pool policyholders with the same make of vehicle together when underwriting plans.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>5. Weigh your options carefully</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">What many drivers make the mistake of doing in an effort to save money on their car insurance coverage is to buy the cheapest motor insurance policy on the market. Though the temptation of purchasing the least costly option is understandable, it can also be misguided. This is because cheaper policies will in most cases have lower coverage limits and benefits, and may also lack in other areas such as their quality of claims service.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">For instance, some cheaper plans require policyholders to submit their claims within three working days after an accident has occurred, while plans that cost a little bit extra may be more relaxed and offer a claim submission period of 15 days to one month. If a claim is not submitted during this period, the insurer will have the right to decline reimbursement.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>6. Get help from a Hong Kong car insurance expert</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Last but not least, it often pays to get impartial advice from an established car insurance broker like Kwiksure. With almost two decades of experience matching drivers with the best value insurance policies for their needs, our team of experts (and drivers!) know the ins and outs of the auto insurance industry. By taking the time to get to know you, your driving needs, and your expectations, our advisors are able to provide the best options for reducing your car insurance costs.</span><br />
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>7. Brush up on your Hong Kong car insurance knowledge</b></span><br />
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Car insurance can be confusing. As such, however dull you may find it, spending some time to brush up on your Hong Kong auto insurance knowledge and lingo can ensure that you better understand which type of policy fits your needs best. If you’re not sure where to begin, be sure to take a look at our blog, which is updated by our team of experts weekly and dedicated to answering the most commonly asked questions about motor insurance.</span><br />
<br />adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-16988874904772363392017-05-24T13:43:00.000+08:002017-05-24T13:43:02.046+08:00Tips To Better Manage Your FinancesPersonal finance is as much about how to spend money as it is about how to save and invest money. The tips delineated below are intended to teach you a little about each. If you just implement a couple of these tips into your day- to-day life, you are sure to be on a much better road to securing your future.<br />
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To make a realistic budget for financial planning purposes, start where you are, not where you want to be. Track every penny for a month, but do not be immediately self-conscious about it. Get receipts for everything and keep them in a box. At the end of a month, you can sort them all out and see exactly what your spending is like. That is your budget, and it is easier to tweak when you are unemotional and honest.<br />
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If you frequently travel, you may want to travel in the off-season. Both hotels and airlines are usually cheaper when you by during the off-season. Typically, the off-season occurs in winter months, though this may not be the case if you are traveling to colder places, such as Canada or Alaska.<br />
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If you are planning to adopt a child, do it this year. The government has created a larger tax break for those people who choose to adopt. It is not just for special cases, but all adoptions. This tax break can even be refunded if you don't owe any taxes.<br />
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Cost cutting is one of the most effective ways that you can save money during the course of the year. The first place that you should start is with things that you do not need. Cut ties with some of the channels that you do not use on your cable network to save money.<br />
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A great personal finance tip is to forget about name brands, especially when you're going grocery shopping. A lot of the name brand stuff is expensive just because of the brand itself. What people don't know is that you can get the same quality products from generic name brands.<br />
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Avoid using the mall to meet your entertainment needs. This often leads to spending money you don't have and charging things that you don't really need. Try to shop only when you have a specific item to buy and a specific amount to spend. This will help you to stay on budget.<br />
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By investing, spending, and saving carefully we ensure our future. Each of these activities necessitate careful consideration of sometimes even the seemingly inconsequential elements of our personal finances. They necessitate planning. By paying attention to those details now we can save ourselves considerable financial regret in the future.adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-3933458713865765522017-05-24T13:42:00.000+08:002017-05-24T13:42:28.960+08:00Strategies On Getting The Cheapest Life Insurance AvailableLife insurance is one of those subjects that many people like to completely avoid. It brings up images of crying families and funerals, ideas which many people prefer to avoid. Of course, avoiding the subject won't avoid the reality, and that is why you should read the life insurance tips below.<br />
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Focus on your health to further reduce life insurance costs. Taking actions such as quitting smoking or losing weight can have a positive impact on premiums for life insurance, as it reduces your total risk to the insurance company. Most life insurance policies require some sort of health examination, so taking steps to improve your health before the exam can significantly affect the total premium you end up paying.<br />
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There are many reasons to buy life insurance. Life insurance can help care for your loved ones if you died. It could help them pay for your final expenses, like debts, medical expenses and funeral costs. If your dependents could not get along without your income, life insurance can help pay their living expenses.<br />
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When buying life insurance, keep in mind that your hobbies can have a significant impact on the size of your premiums. If high risk sports like scuba diving, race-car driving or parachute jumping are activities you frequently engage in, then you will likely pay higher rates to get insurance coverage. While many are tempted to hide their activities, be aware that accident claims can be denied when participation in such sports is not disclosed.<br />
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It's a great idea to work on estimating the funeral costs in your particular area before finalizing any policy. Say you're only trying to take out a policy for 20k. Well, funeral expenses and other death-related expenses might run upwards of 15k, leaving your family very little left over once your funeral is covered.<br />
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When considering purchasing life insurance you should think about your long term life insurance needs. Some policies can adjust to your changing needs through your life. If you have young children your life insurance needs will be far different from when your children are adults. This can be useful because they can insure your different needs based on the age you started instead of your current age, which can save a lot of money.<br />
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When you are looking into life insurance, you will want to determine how much coverage you will need. While there are online calculators that will help you find a more exact figure, the easiest way to determine the amount of coverage you need is to take your annual salary and then multiply that number by eight.<br />
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Determine the amount of coverage you will need, the amount of money your family will receive after your death is called a death benefit. To determine the amount of life insurance you need simply take your annual salary and multiply by eight. Add to that amount the money you'll need to cover one-time burial expenses and you'll have an estimate of the amount of life insurance you need.<br />
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After reading these tips you should feel more comfortable with the topic of life insurance. Hopefully you can now understand just how important it can be for the future of your family, especially if you are ever not around any more to take care of them. These tips should help to prepare you with looking for and maintaining a good life insurance account.adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-31620912945458674912017-05-24T13:36:00.003+08:002017-05-24T13:36:29.924+08:00How To Create A Plan For Your Personal Finances That WorksIt may seem like it is you against the world sometimes when it comes to dealing with personal finance. With the vast amount of information available online, it can be nearly overwhelming at first. This article will provide much helpful information for you to get started on the right path.<br />
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Find a financial mentor. This person can be a relative, a co-worker or your boss. Find someone that you can look up to who handles money the way you would like to. Try to find out how that person perceives money and what kinds of expenditures he or she makes. This can help give you new ideas for yourself.<br />
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Put timers on your electrical lights. It is amazing how much leaving one or two unneeded lights burning in the house will inflate your electrical bill over time. Children, in particular, have problems remembering to turn lights off. In rooms like the bathroom, where time spent there is minimal, timers can really pay off.<br />
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Get yourself a free checking account. Checking accounts these days charge an average of about $13.00 in monthly fees, and usually require a minimum balance to keep the account free. Switch to a no-fee account that requires no minimum balance and does not charge per transaction. Try smaller banks in your community, online-only banks or credit unions.<br />
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If you have a credit card without a rewards program, consider applying for one that earns you miles. Combine a credit card that earns miles with a frequent flier rewards program from your favorite airline and you'll fly for free every now and again. Make sure to use your miles before they expire though.<br />
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Write all of your expenses down by category. For example, putting all utility bills in one category and credit card bills in another. This will help you get organized and prioritize your bills. This will also be helpful in finding what spending you should cut back on to save money.<br />
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When you are putting together a family budget, make sure to get all in the family involved including your children. Since money is spent on each family member, having your family's input on how much they spend and how much to save, a compromise can then be made on a budget. It is easier to stick with a budget when you have a family consensus.<br />
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In summary, you want to do all that you can to learn about personal finance. There is a lot of information available, but we have provided some of the most important tips. Hopefully we have provided you with enough information to not only give you a solid background, but also further spark your interest for becoming an expert in it.adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-72907223219630697562017-05-24T13:35:00.000+08:002017-05-24T13:35:39.774+08:00Essential Life Insurance Facts TodayIf you have a spouse and children and are the main income earner of the family, you do not want to leave them in a position of hardship should anything happen to you. Yet without considering the purchase of a life insurance policy, this is a situation that could become a reality. Here are some things you need to know.<br />
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To save money on a life insurance policy you should stay away from "guaranteed issue" policies. The reason is because these policies are given to most people who apply, and a medical exam is not needed. Therefore, companies that issue these types of policies have no way of knowing whether you are in good or bad health. Because of these high risks, the premiums you will have to pay will be high.<br />
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Consider the risk involved in your potential life insurance policy. If you feel comfortable with a high-risk investment as your life insurance, variable or universal policies may be the ones for you. If you are more conservative and want a positive guarantee take an old-fashioned term life insurance policy.<br />
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If you need a lot of coverage for a smaller premium, you will probably benefit most from a term life insurance plan. This plan will not build up equity, but will pay out a higher death benefit. They do have an ending date though, thus the title "term life insurance." Make sure you have other plans in place for when this coverage runs out.<br />
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To make your life insurance premiums lower you should improve your health. Losing weight, quitting smoking, and exercising frequently are a few things you can do to make you healthier. Those who are in bad health will pay higher premiums, so if you improve your health, your premiums will drop.<br />
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When buying life insurance, avoid buying expensive riders which are policies that only benefit in a certain situation such as a cancer policy. You are much better served by a policy that covers everything instead of one that only covers one type of illness or accident. Insurance agents may try to sell them because they profit from them but are rarely useful to you.<br />
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When deciding what term to take for your insurance, take a look at what will need to be done with that money. If your children are newborns, a 25 year term policy will make sure that they are cared for if anything happens to you before they are able to financially take care of themselves. If you have a 30 year mortgage on your home, considering making that your term to protect your home while it's being paid off.<br />
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Buy the right amount of life insurance to cover all of your needs. Skimping on life insurance is not a good idea. Term insurance, especially, is very affordable, so make sure you get as much insurance as you need. For a rule of thumb, consider buying insurance that equals approximately 6 to 10 times your income.<br />
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Using the advice above, you should now be a little wiser as to whether buying a life insurance policy would be beneficial to you and your family. While it may have a monthly cost that seems like an extra burden, is the financial burden your family would face without you not just as much, if not more?adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-13983942167962011592016-09-26T00:07:00.001+08:002016-12-11T20:03:01.731+08:00Credit card for bad credit no deposit instant approval<div style="text-align: justify;">
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<span style="font-family: inherit;">Bad debt credit card is basically a credit card that the credit card suppliers offer to the people who have bad debt. Did that astonish you? Well, don’t let your thoughts run just yet.</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHpKkoJdtMkS6EzGHJYP84m9gPZ1qxHYeWrNI4elfqVagxgZSJuJ0JP7RFIAdGdxVf455NOj8DaL_lSZ4ZfuRERh0rZaIB68fKvPQinUo2tgnirCdEDsn9jq79GV8LLtbYpDqLglFEI6Gb/s1600/cc.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgHpKkoJdtMkS6EzGHJYP84m9gPZ1qxHYeWrNI4elfqVagxgZSJuJ0JP7RFIAdGdxVf455NOj8DaL_lSZ4ZfuRERh0rZaIB68fKvPQinUo2tgnirCdEDsn9jq79GV8LLtbYpDqLglFEI6Gb/s1600/cc.jpg" /></a></div>
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<span style="font-family: inherit;">You can classify bad debt credit cards into 2 categories based on what you understand by bad debt credit card. The first category of bad debt credit cards is those credit cards that are secured (and are also known as secured credit cards). These bad debt credit cards require a security i.e. you have to open (and maintain) a bank account with the bad debt credit card supplier. The credit limit on your bad debt credit card is calculated as a percentage of the balance you hold in the bank account you have opened with bad debt credit card supplier. Generally, this is 50-100% of your bank account balance. So, this bad debt credit card enables you to spend the amount you hold in your bank account; only the way you spend it changes (i.e. instead of spending that as cash you spend it using your bad debt credit card). So bad debt credit card lets you enjoy the convenience and other benefits that are associated with credit cards, even with a bad debt. This security is as such important for the bad debt credit card supplier; after all how can you trust someone who has a bad credit rating.</span></div>
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<span style="font-family: inherit;">The other category of bad debt credit cards are nothing unusual, they are the same cards that we know of most commonly; the only difference is in the way you get them and the objective behind getting them. Here, we are talking about the credit cards that you use as a debt consolidation mechanism i.e. consolidating bad debt (as such any debt is bad). So we can call them bad debt credit cards too. These operate by transferring of the balance you owe on your current, high interest credit cards to these bad debt credit cards that have a lower APR (at least for some initial period). Hence, these bad debt credit cards help you in consolidating your debt and getting some relief from the higher APR that you were experiencing on your current card. </span><b style="font-family: inherit;">capital one unsecured credit card for bad credit</b></div>
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<span style="font-family: inherit;">Some people accept both of the above categories of credit cards as </span><i style="font-family: inherit;">credit card for bad credit no deposit instant approval </i><span style="font-family: inherit;">while others tend to go with one or the other. So, what you regard as a bad debt credit card is really a matter of personal choice.</span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-81279478420390191032016-09-24T22:50:00.000+08:002016-12-11T20:03:18.942+08:00Credit card debt reduction<span style="font-family: "trebuchet ms" , sans-serif;">Getting into debt is easy but getting out of it really a difficult task. This holds good for any kind of debt and includes credit card debt too. Credit card debt reduction needs planning and discipline in the way you spend money.</span><br />
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<tr><td class="tr-caption" style="text-align: center;">Credit card debt reduction</td></tr>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>Credit card debt reduction</b> starts with reduction in the expenditures you make using your credit card. So, the first trick for credit card reduction is to go for shopping without your credit card (carry some small amount of cash). This credit card reduction technique isn’t asking you to stop shopping, instead it’s just asking you to seriously evaluate the need of anything you want to purchase and not just purchase it on the spur of the moment. So, if you really-really need to buy it, you will go back to your home to fetch your credit card thus introducing a delay that is instrumental in killing spur-of-the-moment purchase (and hence helping in credit card debt reduction). It gives you time to evaluate if it’s really worth going back home and getting the credit card for purchasing that item. So, in this case, credit card debt reduction is achieved by preventing the debt from building up further. It’s a very effective credit card debt reduction measure.</span><br />
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<span style="font-family: "trebuchet ms" , sans-serif;">The other effective way of credit card debt reduction is debt consolidation i.e. consolidating debt from high APR credit cards to a low APR one. So this credit card debt reduction measure works by reducing the rate at which your credit card debt grows. Moreover, this way of credit card debt reduction also gives you a breather in the form of a short initial period when the APR is 0%. Besides credit card debt reduction, debt consolidation also brings some additional benefits which are basically in terms of rewards etc offered by the new credit card supplier. Thus this method of credit card debt reduction is really more than just a credit </span><br />
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<span style="font-family: "trebuchet ms" , sans-serif;">card debt reduction</span></h2>
<span style="font-family: "trebuchet ms" , sans-serif;"> method – it’s a benefit provider too. If you are not comfortable in taking forward this method of credit card debt reduction, you can seek the help of a credit card debt assistance company.</span><br />
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<span style="font-family: "trebuchet ms" , sans-serif;">Besides these two credit card debt reduction measures, which are really the most important credit card debt reduction measures, there are other methods too for credit card debt reduction. Another one is to ask your current credit card supplier for help in credit card debt reduction i.e. by lowering the APR. It might work out for you (as it does for some people).</span><br />
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<span style="font-family: "trebuchet ms" , sans-serif;">Also remember, that there are people (professionals) out there who provide advice on credit card debt reduction (just in case you need them).</span><br />
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-76402571058251526252016-09-24T22:43:00.000+08:002016-12-11T20:03:49.726+08:00Credit Card For Bad Credit<div style="text-align: justify;">
<span style="font-family: inherit;">“Bad credit card card” is used to refer to credit cards that can be obtained even with a bad credit rating. The bad credit card cards provide opportunity to people (with bad credit rating) to improve their credit rating. In that sense, bad credit credit cards act as rescuer for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past. </span></div>
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<span style="font-family: inherit;">Bad credit card cards are commonly known as secured credit cards. The bad credit card card (or secured credit cards) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account. Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits and such risks are a threat to profits. The bank or the credit card supplier will generally pay interest on the balance in your account. However, it’s best to check this with the bad credit card card supplier/bank. The credit limit on the bad credit card card is determined by the cash balance in the account and is generally between 50-100% of the cash balance. These bad credit card cards are also referred to as debit cards, owing to the fact that they work less in a credit-giving manner and more in a debit-giving manner. </span><br />
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtmg5Izkaqy6e8RjHudIERQ0Yc3DnzCdFbRlG-tQVJ2hMrZg6mkP3s9RcbOUHqzj2iKwfjQIYgOISCobPm5AFC4OiU8iVNWbIRvpua1NFuMaMHB6m3TqkcruoNgnqOWveLrDvOpfItUNxe/s1600/images+%25281%2529.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: inherit;"><img alt="bad credit card" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtmg5Izkaqy6e8RjHudIERQ0Yc3DnzCdFbRlG-tQVJ2hMrZg6mkP3s9RcbOUHqzj2iKwfjQIYgOISCobPm5AFC4OiU8iVNWbIRvpua1NFuMaMHB6m3TqkcruoNgnqOWveLrDvOpfItUNxe/s1600/images+%25281%2529.jpg" title="Credit Card For Bad Credit" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: inherit;">Bad Credit Card</span></td></tr>
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<span style="font-family: inherit;">There are plenty of bad credit card cards available in the market. When searching for the bad credit card card that is best suited to you, you should consider 4 things in particular: the minimum balance that you are required to maintain in the bank account, the credit limit that you will receive (i.e. the percentage of your bank account balance that you are allowed to spend on your bad credit card card), the fees/other-charges applicable to the procurement of bad credit card card and the rate of interest that you will receive on the balance in your bank account. An ideal bad credit card card would have no fee/other-charges associated with it and would require zero or a very small amount as minimum bank balance. It would also have something like 90-100% of bank balance as its credit limit. Moreover, an ideal bad credit card card would also offer a good interest rate on the bank balance. </span></div>
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<span style="font-family: inherit;">Bad credit card cards are really a good concept that provides respite to people with bad credit rating by letting them enjoy the benefits of credit cards while they mend their credit rating. </span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-59545900185197463592016-09-24T03:29:00.000+08:002016-12-11T20:08:58.878+08:00Long-Term Care Insurance: What to Consider<div style="font-family: sourcesanspro-light-webfont, Helvetica, Arial, Verdana, sans-serif; font-size: 16px;">
<a href="http://www.investopedia.com/terms/l/ltcinsurance.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;">Long-term care</a> might be the one unknown that could derail your retirement plans. Statistically, a 65 year old today has a 70% chance of needing long-term care in the future, and approximately 20% of people who are now 65 will need long-term support for more than five years, <a href="http://longtermcare.gov/the-basics/how-much-care-will-you-need/" style="color: #005b9d; cursor: pointer; text-decoration: none;" target="_blank">according to</a> the U.S. Department of Health and Human Services. That alone makes <a href="http://www.investopedia.com/articles/04/062304.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;">long-term care insurance</a> (LTC) worth considering to hedge your bets and possibly subsidize your costs.</div>
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Emotions can rise to the surface when this topic is raised. It’s just too difficult to envision ourselves in the position of needing care or assistance on a long-term basis. And so we put off any discussion of it. Whether or not we will ever need it is a gamble—that's many people cover long-term care with insurance. Unless you have a very large amount of <a href="http://www.investopedia.com/terms/l/liquidasset.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;">liquid assets</a> that you wouldn’t mind spending on long-term care for yourself and a spouse, then LTC insurance should be discussed with your advisor. (For related reading, see: <a href="http://www.investopedia.com/advisor-network/articles/080916/life-insurance-through-work-enough/" style="color: #005b9d; cursor: pointer; text-decoration: none;"><em style="font-family: sourcesanspro-regular-webfont, Helvetica, Arial, Verdana, sans-serif;">Is Life Insurance Through Work Enough?</em></a>)<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkQK1Jo7hxZE8SCpjlgDCozfGJ7Q6HZW4j0-M6RSzBXOlRqBI90W7DKuk8UX9CYWSzKmm_cSTxYfFmApJ_sz-X-WN3iLt9UeQ4rLd1DtuShwREPsiWnhVSqEasYjidlGGSilKKSy1odPwh/s1600/Bad+Credit+Card+2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhkQK1Jo7hxZE8SCpjlgDCozfGJ7Q6HZW4j0-M6RSzBXOlRqBI90W7DKuk8UX9CYWSzKmm_cSTxYfFmApJ_sz-X-WN3iLt9UeQ4rLd1DtuShwREPsiWnhVSqEasYjidlGGSilKKSy1odPwh/s1600/Bad+Credit+Card+2.jpg" /></a></div>
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Long-Term Care Considerations</h2>
Married couples should consider each other in their planning process. If not, your spouse’s standard of living may be significantly diminished if they end up needing to use a large portion of their assets to care for your long term needs. It is also important for single people to think about their ultimate care. Alternately, your children may be faced with the burden of your care.</div>
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Most long-term care insurance policies are sold to people in their 50s and 60s because the <a href="http://www.investopedia.com/terms/i/insurance-premium.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;">premiums</a> increase as we get older. In addition, the longer you wait, the greater the likelihood that you will develop a medical issue prior to the purchase of LTC insurance, which could also increase premium costs. Most people I talk to would opt for long-term care insurance if the cost fit into their budget. Often times, you can modify the features of the policies to bring down the cost.</div>
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<a href="http://www.investopedia.com/university/insurance/insurance6.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;">LTC policies</a> are complicated and may cover different lengths of stays in a nursing home or provide for home care. For example, your coverage may provide $3,000 a month for three years. Lifetime policies are also available, however they can be fairly pricey. Some policies even offer a refund of a portion of your premiums if the insurance is not used. A long-term care policy purchased from your employer is typically the least costly and it may be portable if you were to leave. (For related reading, see: <a href="http://www.investopedia.com/articles/04/112904.asp" style="color: #005b9d; cursor: pointer; text-decoration: none;"><em style="font-family: sourcesanspro-regular-webfont, Helvetica, Arial, Verdana, sans-serif;">Taking the Surprise Out of Long-Term Care.</em></a>)</div>
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My Personal Experience</h2>
Long before my father developed an aging illness, I tried to gently discuss his options for long-term care before he needed help. I told him how important it was to have a plan, especially because he was living alone in his 80s. However, even at age 80, he didn’t want to have that discussion. He had always been independent and planned to remain independent. However, as it turned out, he did need a few years of long-term care.</div>
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Fortunately, he and my mother had purchased long-term care insurance years earlier. Without that insurance, we would have needed to sell the beach home that had been in the family for over 100 years in order to pay for his care. Instead, the insurance supplemented his other income streams so that he could have great care in his later years. However, a very opposite situation happened with my mother. She passed away from lung cancer in under a year and the long-term care was not used because we were able to care for her. The reality is that we don’t know what lies in our future.</div>
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Long-term care insurance isn’t for everyone. However, if you decide that LTC insurance is for you, remember that your policy doesn’t need to cover all of your anticipated expenses. If you can combine it with your social security or other assets, it may make for a much more comfortable future for you and your family. (For related reading, see: <a href="http://www.investopedia.com/university/your-complete-guide-longterm-care-insurance/" style="color: #005b9d; cursor: pointer; text-decoration: none;"><em style="font-family: sourcesanspro-regular-webfont, Helvetica, Arial, Verdana, sans-serif;">Your Complete Guide to Long-Term Care Insurance.</em></a>)</div>
<span style="font-family: , "helvetica" , "arial" , "verdana" , sans-serif; font-size: 16px;"><br /><br />Read more: <a href="http://www.investopedia.com/advisor-network/articles/092116/long-term-care-insurance-what-consider/#ixzz4L6oNWKj9" style="color: #003399; cursor: pointer; text-decoration: none;">Long-Term Care Insurance: What to Consider | Investopedia</a> <a href="http://www.investopedia.com/advisor-network/articles/092116/long-term-care-insurance-what-consider/#ixzz4L6oNWKj9" style="color: #003399; cursor: pointer; text-decoration: none;">http://www.investopedia.com/advisor-network/articles/092116/long-term-care-insurance-what-consider/#ixzz4L6oNWKj9</a></span>adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-30976506767219171512016-09-10T13:46:00.000+08:002016-12-11T20:04:40.086+08:00The Ugly Truth Behind Credit Card Debt<div style="text-align: justify;">
<span style="font-family: inherit;">Credit card debt is one of the leading causes of financial crisis in America and for most part of the world. Indeed, lots of focus by economic experts are geared towards analyzing the benefits or disadvantages posed by the use of credit cards. There are also several factors that are involved with credit card use that could impact the way an individual manages his or her finances. </span></div>
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<span style="font-family: inherit;">Is Credit Card Important?</span></div>
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<span style="font-family: inherit;">Several individuals are enticed to secure their own credit cards because they are lured by the many advertisement claims about how it can make your transactions a lot easier. While credit cards do offer a few benefits, it is outnumbered by the financial discrepancies caused by owning a credit card. </span></div>
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<span style="font-family: inherit;">What many people do not realize is that using credit cards to pay for their transactions or bills actually result in them spending more. In fact, the same can be said even if you are religiously paying your bills on time. So you can just imagine what those credit card owners who aren't making punctual payments are going through financially! </span></div>
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<span style="font-family: inherit;">Credit cards are beneficial in a few instances such as having convenience of extra finances for emergency situations, or safety during travel. However, the interest rates can be quite a burden on some families who earn only minimal income each month. Also, there is the possibility of misuse since it creates a false sense of financial security that often ends up in people having massive credit card debt. </span></div>
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<span style="font-family: inherit;">Cash or Credit Card?</span></div>
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<span style="font-family: inherit;">Budgeting is an essential aspect of handling your finances. This is often neglected when people have to rely on credit cards to make their purchases. Therefore, some people are on a toss-up between which is the better means of making financial transactions, either on cash or through credit card. Here's what would help you decide more effectively. </span></div>
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<span style="font-family: inherit;">Imagine yourself paying on cash during purchase. There is an emotional attachment to that money, which you have worked hard on earning, that makes you unwilling to let go of it. However, the case is different with using credit cards for purchase. There is none of that emotional attachment and you can simply swipe away without remorse. </span></div>
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<span style="font-family: inherit;">Using credit cards to make your purchase instead of paying on cash could end up in you spending about 12 to 18 percent more than the actual value for the item if you paid with actual cash. Imagine how much could have gone onto your savings! </span></div>
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<span style="font-family: inherit;">Teenagers and Credit Cards</span></div>
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<span style="font-family: inherit;">Credit card companies are targeting teens on their ad campaigns, however it is not a good prospect for parents, especially if you want to teach your kids on how to become responsible with their personal finances. This is more true based on the fact that teenagers have the tendency to be impulsive and with credit card in hand, it creates that false sense of financial security that they can afford anything they desire. Instead, make them work hard to achieve something they want, especially in the material aspects. </span></div>
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<span style="font-family: inherit;">Financial Security</span></div>
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<span style="font-family: inherit;">If you want to achieve more financial security, credit cards is not the way to go as it exposes you to risks of acquiring credit card debt. But if you are going to opt for one, make sure you have an effective and practical approach at spending. There are a few advantages offered by using credit cards but it does not make an effective replacement for cash whatsoever, unlike most credit card holders believe. </span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-81375788031996550422016-09-01T21:55:00.001+08:002016-09-01T21:55:20.632+08:00California Home Equity Line Of Credit <div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 10pt;"><span style="font-family: Verdana, sans-serif;">Home
Equity Lines of Credit, or HELOCs, are open-ended, revolving loans that allow
future advances up to the approved credit limit. Much like credit cards, they
offer cash when it is needed with flexible payment options during the draw
period. The draw period of a Home Equity Line of Credit is the amount of time
the line of credit is open for, usually ten years, after which the balance must
be paid. <o:p></o:p></span></span></div>
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<span style="font-size: 10pt;"><span style="font-family: Verdana, sans-serif;">Advances
taken out during this draw period may have small monthly payments in which only
minimal amounts are paid toward the principle with the rest of the payment
going to accrued interest, or interest only payments may be made. At the end of
the draw period, many plans have balloon payments in which the monthly payments
will drastically increase to cover the rest of the balance due or the entire
balance may be due immediately. There are plans that offer repayment of the
Home Equity Line of Credit loan over a fixed period of time after the draw
period has ended. <o:p></o:p></span></span></div>
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<span style="font-size: 10pt;"><span style="font-family: Verdana, sans-serif;">Interest
of Home Equity Lines of Credit is usually variable and tied to the Prime
Lending Rate, the rate in which most major banks charge their largest and most
credit worthy customers. These variable rates usually have a cap to limit how
high of an interest rate can be charged and some have limits as to how low the
interest rate can get. Variable rates are subject to quarterly adjustment
though some plans offer a fixed interest rate. The interest paid on Home Equity
Lines of Credit is only paid when the funds are used and is usually tax
deductible. <o:p></o:p></span></span></div>
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<span style="font-size: 10pt;"><span style="font-family: Verdana, sans-serif;">Like
Home Equity Loans, Home Equity Lines of Credit have fees that may be charged
for taking out the loan. Some plans call for one-time; up front fees while
others have annual fees. Plans that offer low monthly payments during the draw
period may require a balloon payment at the end of the loan period requiring
the entire remaining balance to be paid. Other fees can also apply such as
appraisal fee, credit check fee, and closing costs. The Federal Truth in
Lending Act protects the borrower by requiring the lender to inform the
borrower of all costs and terms when the application is given. <o:p></o:p></span></span></div>
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<span style="font-size: 10pt;"><span style="font-family: Verdana, sans-serif;">California
residence taking out a Home Equity Line of Credit have the option of whether or
not to allow outside and affiliate companies to have access to their private
financial information. Through the California Financial Information Privacy
Act, the lender can only disclose financial information about California
residences with other companies if it is mandatory in securing the loan. Any
other use of the information is at the borrowers’ discretion. </span><span style="font-family: Arial, sans-serif;"><o:p></o:p></span></span></div>
adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-1279672738010271712016-09-01T21:32:00.002+08:002016-09-01T21:32:32.423+08:00Credit Card Management<div style="text-align: justify;">
<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Though a lot of people are comfortable with going forward with credit card debt management all by themselves, not everyone is. There are people who don’t really want to tread into the territory of financial issues (credit card debt management included). Such people generally prefer going to debt assistance companies for advice on credit card debt management or for getting the credit card debt management done through them. However, even before we talk further on this topic of credit card debt management, it’s imperative to understand that any external person or agency can only do a proper credit card debt management for you if you strictly follow the advice/guidelines that they formulate as part of credit card debt management. These credit card debt management guidelines are generally related to controlling your spending (which basically means perseverance and contentment). </span></div>
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;">Going to a credit card debt management company or a credit card debt management advisor/professional is not meant only for people who are foreign to financial topics but is sometimes fruitful for other people too (who are going with credit card debt management all by themselves). This arises from the fact that these credit card debt management professionals (as any professional) would have more knowledge in that field than anyone else that is not from that field/profession. So, firstly, you wouldn’t know all the tips and tricks that the credit card debt management professional would know (and in fact this is something that you cannot read and learn overnight). And secondly, it will save you a lot of time; because the person who practices credit card debt management as a profession would know about all the latest offers etc that are available in the market e.g. balance transfer offers etc (and hence you don’t need to go looking for all this stuff all by yourself). All in all, a credit card debt management professional can help get you a better deal that might more than compensate for the fee charged by that professional. If you look around you will find that there are hordes of companies and professionals offering credit card debt management services. However, the key here is that you choose someone whose credentials are already established (or who can prove his credentials to you). One good way of selecting a </span><br />
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<span style="font-family: "helvetica neue" , "arial" , "helvetica" , sans-serif;"> company/ professional is to check with a friend or someone from your family, if they have used any such service in recent times. After all, references are the best way of building trust.</span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-89292297304109952432016-09-01T21:26:00.000+08:002016-09-01T21:26:31.118+08:00Tips After you pay off credit card debt<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtmg5Izkaqy6e8RjHudIERQ0Yc3DnzCdFbRlG-tQVJ2hMrZg6mkP3s9RcbOUHqzj2iKwfjQIYgOISCobPm5AFC4OiU8iVNWbIRvpua1NFuMaMHB6m3TqkcruoNgnqOWveLrDvOpfItUNxe/s1600/images+%25281%2529.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="pay of credit card debt" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjtmg5Izkaqy6e8RjHudIERQ0Yc3DnzCdFbRlG-tQVJ2hMrZg6mkP3s9RcbOUHqzj2iKwfjQIYgOISCobPm5AFC4OiU8iVNWbIRvpua1NFuMaMHB6m3TqkcruoNgnqOWveLrDvOpfItUNxe/s1600/images+%25281%2529.jpg" title="credit card debt" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Credit Card Debt</td></tr>
</tbody></table>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">Credit card debt is a very big problem that is being faced by a lot of people who have been irresponsible and undisciplined in the use of their credit card. Though some might have landed up with credit card debt due to some unfortunate event/emergency in their life, most people carry a credit card debt due to their own wrong doings (i.e. wrong usage of their credit card debt). There are a lot of ways to pay off credit card debt and a lot of people do achieve this feat (i.e. are able to pay off credit card debt). Surely, to be able to pay off credit card debt is really a great achievement in itself for not everyone is able to pay off credit card debt. It takes a lot of discipline, restraint, planning and perseverance to finally pay off credit card debt. However, there is more to paying off credit card debt then just being able to pay off credit card debt. </span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">Here we are talking about the life after you pay off credit card debt successfully. As mentioned before, of all the people that try to pay off credit card debt not everyone is able to pay off credit card debt i.e. there are some failures too. However, some people fail after they have succeeded in paying off credit card debt. These are those people who let themselves loose and go on a spending spree as soon as they pay off credit card debt. Soon, these people again land up with a credit card debt and are again trying to pay off credit card debt. So, it’s not enough to just pay off credit card debt, it’s equally important to maintain a debt-free status even after you pay off credit card debt; only then can you enjoy a stress-free life in the world of credit cards. So learn your lessons well and do not let yourself loose on the path to another credit card debt. Most of the rules that you followed when you were trying to pay off credit card debt, will also hold good after you have paid off your credit card debt. Here is a quick synopsis of things that you should take care of even after you pay off credit card debt:</span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">1)<span class="Apple-tab-span" style="white-space: pre;"> </span>Do not overspend. Yielding to the sale offers for something that you don’t really need, is a big mistake that leads to overspending</span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">2)<span class="Apple-tab-span" style="white-space: pre;"> </span>Always remain within 70% of your credit limit.</span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">3)<span class="Apple-tab-span" style="white-space: pre;"> </span>Make credit card bill payments in time and in full.</span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">4)<span class="Apple-tab-span" style="white-space: pre;"> </span>Don’t hold more than 2 credit card accounts (two are enough for anyone)</span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Georgia, Times New Roman, serif;">These are just very basic things; you can add more based on your own experience and knowledge.</span></div>
<div style="text-align: justify;">
<br /></div>
adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-15488327358208138922016-08-30T00:58:00.001+08:002016-08-30T00:58:50.435+08:00Financing Your Education: Your Future Is In Your Hands<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Introduction<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">One of the most important decisions you can
make in your life is how to pay for your education. Education as you may know is a very big thing
for all of us. It is the key to our success. But, oftentimes this “big thing” is ignored
because of financial problems. Thanks to
some schools and institutions out there that financing your education can now
be made possible. However, just as you
investigate which schools have the best programs for you; it is still necessary
that you gather information about how best to finance your education and your
future.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Invest
While You Can, But Be Careful!<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">It is often said that your education is a
major investment in yourself. It is an
investment of both time and money. You
may be spending your limited resources now in the hope that you will realize a
somewhat positive outcome on your investment in the future. It is best that you consider the time as well
as money you will invest in your education, but along with this, the personal
and professional goals you’ve set for yourself must also be given
attention. Then, it is now time to make
the best investment you can. There are
some lending companies or persons you know who will support you where you can
borrow even just the minimum amount necessary to fulfill your education
aims. It is through this way that you
will realize your financial and career goals as it maximizes the net return on
your investment.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Perhaps it is also necessary that you consider
some preparations for the financial aspects of your school, just as you are
preparing for admission to and enrollment in the school of your desire. Many experts often say that even if your
parents may be willing to carry your financial paperwork or any financial
burdens there may be while you are in school, it is still best that you
understand it too and become at least an equal participant in financing your
education. In case you don’t, you may
find that financing your education can sometimes become overly confusing and
complicated. Note that while you are in school and even
after you left, you will be the one signing the promissory notes for any loans
you borrow in order to finance your education.
This just implies that you yourself will be legally responsible for your
loans. Thus, understanding the terms and
conditions of the loans you borrow will help you get out from any problem
during the repayment period.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Questions
to Ask Before Your Borrow<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Before you borrow, it is necessary that you
get answers to the most possible, important questions as you plan the financing
of your education. The necessary
questions to consider are the following:<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<ol start="1" style="margin-top: 0in;" type="1">
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What should
I be doing now to get ready for meeting the cost of my education?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">Are there
eligibility requirements that I must meet in order for me to obtain
support for my degree? If so, what
are they?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What
specific financing alternatives or programs are available to me at the
school where I plan to apply?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">How to
apply for financial support and what applications are needed?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">Is there a
right time to apply for financial aid?
When should it be and what are the application deadlines?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">Will my
parents be expected to provide any of their financial information or
contribute to the cost of my education?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What they
will do with the information I and my parents provide?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What
necessary and unnecessary points should I know about the assistance I am
offered like student loans, grants, or work study?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">Is there
any move that I can take to lessen the amount I have to borrow, yet still
attend the school of my choice?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What do I
need to consider or do once I arrive on campus to minimize how much I
borrow?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What
choices will I get for working while attaining my degree?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: 150%; mso-list: l0 level1 lfo1; tab-stops: list .5in; text-align: justify;"><span style="font-family: "Georgia",serif;">What
possible impacts will the loans I borrow have on me after I graduated from
college?<o:p></o:p></span></li>
</ol>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">As you may notice, some of the above
mentioned questions are general. They
apply to any school you might attend.
However, others are more specific to the programs, policies and
procedures of every school you may be considering. So, what is best to do with these questions
aside from seeking for answers is to evaluate these issues as you explore your
financial options, in spite of where you plan to attend school. It is somehow worthy to note that financing
your education requires a collaboration involving yourself, your family, as
well as the school you attend. Your
lender may also play a great part on it.
Answering such questions should provide you the information you will
need to make well-informed choices about how to finance your education, other
than how to make the most of your education investment.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Where
to Seek for Answers?<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">One of your most important resources to use
in answering the above mentioned questions is probably the financial aid
administrators at the schools you are considering. However, there are also some consult
publications from funding organizations out there where you can seek for
answers. Examples of them could be the state
governments, lenders, and scholarship granting organizations. Several financial aid guidebooks are also
available today from your local bookstore.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Perhaps another valuable and updated source
of answers to such questions is the Internet.
As you may know, many schools today have their own websites, which often
cover information about the financial aid.
Most of the lenders and other funding organizations even have websites
as well. Typically, they offer information
about financing your degree, the importance of good credit, managing your
student loans while in school, and even repaying your student loans. There are also some interactive calculators
online these days to help you plan your in-school and out-school budgets. These calculators are even useful when it
comes to projecting the cost of your student loans.<o:p></o:p></span></div>
<div style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Lastly,
several websites that have been established by government agencies and other
organizations to aid students with financing their education are now
accessible. As often said, they may be a
good place to start your search.<o:p></o:p></span></div>
<div style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">How Much Should You Borrow?<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">So you’ve found answers to those questions,
do you? If so, it is necessary to note
that before you place and strike your pen on any promissory notes, you should
first take an organized step and identify how much you will really need to
borrow.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">There are actually several factors
associated with the dollar amount you should borrow. Usually, the amount will greatly depend on
the cost of attendance as established by your school; on the student loan
limits established by the federal government and other student loan lenders; on
your outstanding financial commitments like car loans or mortgages; other
resources you may have such as savings accounts; and on the amount of the debt
you can afford to repay once you leave school.
Also note that the sum of these parts equals an educated estimate of
your student loan amount. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Factors
to Consider for Borrowing<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Under the accepted standards of borrowing
student loans, it is stressed that you can borrow up to the cost of attendance,
as determined by your school, less other financial assistance you might be
receiving. Other financial assistance
refers to grants, work-study, and scholarships. And, the cost of attendance typically
involves tuition, books, fees, room and board, and other miscellaneous living
expenses. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Also, the cost of attendance as determined
by your school has figures that are meant to apply to a wide group of
students. Oftentimes, you may not need
to borrow as much as your school allows.
Note that it is best to borrow the minimum amount possible so that you
can lessen your overall financial obligation later. Nevertheless, if you find that you really
need a student loan amount that is more than the school has allotted, you
actually have the right to appeal the decision.
But, this is permitted as long as you do not surpass the maximum amount
as established and maintained by the federal regulations.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">If you prefer to consider borrowing student
loans to finance your education, just expect that some of the lenders these
days have borrowing limits placed on student loans. For instance, the federal government places annual
and aggregate borrowing restrictions on federal student loans, and the
aggregate limit is usually the total amount that every student can borrow in
the span of his or her education. Given
this fact, it is then necessary to examine and evaluate the terms of every loan
you plan to take on for the annual and aggregate loan restrictions.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Aside from that, carefully and honestly
assess your current financial status, including any financial commitments you
have made before entering the school of your own choice. Understanding the repayment obligations of
every commitment you’ve made is the key here.
Note that over time you will be responsible for these prior obligations
in addition to any education debt you take on, and your education loans are not
given to cover these prior obligations you have.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">Finally, consider the realistic
determination of your future income. You
can perform some research on the current job market and start salaries in the
area you plan to pursue. Just note that
you will be paying for your education with your future income. So, when choosing a student loan program, be
sure to do some investigations on the loans that offer you alternative
repayment plans which can assist you in managing your payments, especially
early on in your own career.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<b><span style="font-family: "Georgia",serif;">Conclusion<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<br /></div>
<br />
<div class="MsoNormal" style="line-height: 150%; text-align: justify;">
<span style="font-family: "Georgia",serif;">As mentioned, student loans can be a
valuable investment, but they are also an important obligation that needs to be
considered. In order for you to ensure a
successful student loan repayment, you must make sure that you approach
borrowing carefully and thoughtfully.
This must also be coupled with being realistic in your own budget as
well as salary projections.<o:p></o:p></span></div>
adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-86667096637717232582016-08-28T22:46:00.002+08:002016-08-28T22:49:01.308+08:00Credit card application Rejection of credit card application<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: left; margin-right: 1em; text-align: left;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCEp03bKPVplQaDIdgSVOmk4hiXUISENwsOpZkXSU4NxORv9KAbQJGIkLMCYyZ6yo3CAAnKt_31tD0Cu3YkpXnkDI7JYjHGxEgdDzxlT6yOcsvgX11Iw9Xb0zp_aKeNvtr-eJ99WWYOBVc/s1600/images.jpg" imageanchor="1" style="clear: left; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img alt="credit card application rejection" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjCEp03bKPVplQaDIdgSVOmk4hiXUISENwsOpZkXSU4NxORv9KAbQJGIkLMCYyZ6yo3CAAnKt_31tD0Cu3YkpXnkDI7JYjHGxEgdDzxlT6yOcsvgX11Iw9Xb0zp_aKeNvtr-eJ99WWYOBVc/s1600/images.jpg" title="credit card rejection" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><a href="https://dailyinsuranceblog.blogspot.com/search/label/Credit%20Card?&max-results=7">Credit Card Rejection</a></td></tr>
</tbody></table>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">As time progresses, more and more people are joining the revolution called ‘Credit card’. Yes, it’s really a revolution. Now you don’t need to worry about how much cash you have in your pocket when you go shopping, just carrying this small piece of plastic (credit card) is enough to assure you of a good shopping treat. You can use your credit card to order things from the comfort of your home (on the internet). So the number of credit card applications seems to be on the rise. However, not every <a href="https://dailyinsuranceblog.blogspot.com/search/label/Credit%20Card?&max-results=7">credit card </a>application turns into a physical credit card. Some <a href="https://dailyinsuranceblog.blogspot.com/search/label/Credit%20Card?&max-results=7">credit card applications</a> get rejected too.</span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Let’s check why a credit card supplier would reject a credit card application when he has spent so much time and energy (and money) on wooing new customers.</span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">One obvious reason for rejection of credit card application is human error i.e. the error committed by you in filling up the credit card application. These can be small mistakes like a wrong telephone number or wrong name or the postal code might be wrong. It’s normal to make mistakes, after all we are human being and no human being can be termed as perfect. Another strong reason for rejection of a credit card application could be missing mandatory information i.e. when you forgot to fill-in some mandatory information in the credit card application form. Sometimes, the credit card application could be rejected because the credit card application form has been filled-in in a handwriting that is illegible to the people processing your credit card application. At other times, the sales representative (of the credit card supplier) could have made a mistake in either depositing the form correctly or in guiding you in the filling of the credit card application form (newly hired sales representatives can make such mistakes).</span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">However, these human errors are just minor errors that can be corrected later on and hence the only impact would be in terms of the delay in receiving your credit card. The main and the most important cause for rejection of credit card applications is bad credit ratings i.e. a negative credit history. If you have been using other credit cards or if you have taken bank loans/mortgages in the past, you would have already build your credit rating. If you have been making your bill/instalment payments in time (and in the correct amount), you would have already acquired <a href="https://dailyinsuranceblog.blogspot.com/2016/05/tips-to-apply-for-credit-card.html">a good credit rating</a>. However, if you have been irregular or if you have been defaulting on your payment dues, you would have developed a bad credit rating. This credit rating is calculated by credit bureaus who receive feeds from various credit suppliers. All credit card applications are checked for the credit rating of the requestor and if it comes up as negative, the application is rejected outrightly.</span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">So, these are the 2 most important reasons for rejection of credit card application and you must pay heed to them (especially the <a href="https://dailyinsuranceblog.blogspot.com/2016/07/getting-approved-instantly-online.html">credit rating</a>).</span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-37162347652494218692016-08-26T22:35:00.000+08:002016-08-26T22:35:09.152+08:00Credit card processing<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
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<tr><td class="tr-caption" style="text-align: center;">Credit card processing</td></tr>
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<span style="font-family: Trebuchet MS, sans-serif;">It comes as a surprise how credit cards have found their way into our lives (and out wallet). Credit cards have gradually turned into becoming a necessity (rather than luxury). You can find credit card processing machines in almost all the shops today. With the advent of internet, online credit card processing has become popular too. ‘Credit card processing’ as such is a really interesting topic. This article tries to put into perspective the people, systems and the equipment that go into credit card processing.</span><br />
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<span style="font-family: Trebuchet MS, sans-serif;">First, let’s check the equipments used for credit card processing. So, there are credit card processing softwares for online credit card processing, there are credit card processing machines (i.e. the credit card reading machines at shops), there are data verification/validation devices/softwares that verify the security information on credit cards, there are communication devices/systems that enable safe transfer of credit card information from one point to another, and then there are other credit card processing equipments like the credit card processing equipment that is used for the preparation of the actual plastic (credit card). </span><br />
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<span style="font-family: Trebuchet MS, sans-serif;">Then there are various service providers that provide services related to credit card processing. There are suppliers for credit card processing equipment and suppliers for online credit card processing services. Then there are postal and courier service that help deliver credit card bills in time. There are merchants/petrol-bunks etc which provide facility of payment collection boxes at their premises (another important aspect of credit card processing). </span><br />
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<span style="font-family: Trebuchet MS, sans-serif;">Besides that there are complete systems for processing credit card applications, there are systems for credit card bill processing/generation, there are people at call centres who help in addressing the queries from credit card holders and, very importantly, there are people (sales representatives) who help you in filling the credit card application forms. Another important entity with regards to ‘credit card processing’ process is the credit rating bureaus. Credit card bureaus maintain a database of credit ratings for individuals and businesses. This rating is based on the data received from various credit providers over a period of time. This rating is the most important part of credit card application processing and a bad rating can lead to rejection of the credit card application altogether. </span><br />
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<span style="font-family: Trebuchet MS, sans-serif;">Thus, credit card processing involves a coordinated effort from a lot of professionals and service providers. In that sense, we can also say that credit card processing is an industry in itself that has generated a lot of employment.</span><br />
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-31035717903920185182016-08-16T22:08:00.000+08:002016-08-16T22:08:09.923+08:00UK credit cards and balance transfers<div style="text-align: justify;">
Credit cards are pretty popular and in widespread use in UK. Credit cards are accepted at most shops and other merchant stores/outlets. As in the US, UK credit cards too are on offer from various banks and financial institutions. Again, UK credit cards too offer a number of benefits which vary from one UK credit card to another (though there are a lot of common benefits too which are same across various UK credit cards). </div>
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Due to the fierce competition in the UK credit card market, various UK credit card suppliers offer attractive balance transfer schemes too. There are some UK credit cards that offer 0% balance transfer for 9 months and there are others that offer 0% for 6 months. However, the catch here is that these UK card credit suppliers differ on their standard APR rate i.e. the APR rate which comes into effect after the expiry of the introductory 0% balance transfer offer. Further there are some UK credit cards that do not offer a 0% balance transfer but instead offer a better standard rate (APR) throughout. Some UK credit card suppliers combine 0% offers with accrual of points on a rewards programme. Another popular thing among UK credit cards is to combine cash back offers with balance transfers. Then there are some very attractive offers which give 0% not only on balance transfers but also on Purchases (for a short period like 5 month or so). You also have a few UK credit cards that can be procured by people with bad credit history too (of course, the decision on approval of such a credit card application will lie with the credit card supplier).</div>
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So what does one do if one wants to transfer balance to another UK credit card. Well, it’s quite simple. You need to take stock of your current financial situation and determine if a period of 6 months or 9 months (or maybe even 12 months) would be sufficient for you to fully payback the dues on your UK credit card. If the answer is in the affirmative, just go ahead for the UK credit card that offers 0% balance transfer for this period (even if the standard APR rate is a bit higher). However, the assumption here is that once you payback the debt on your UK credit card, you will stick to controlled spending and will pay your credit card bills in full amount by the due date for payment; otherwise, the choice of a higher standard APR will hit you very hard and you will be in deeper trouble. However, if you think that 9 months is not sufficient to pay back the debt on your UK credit card, then you should look to strike a balance between the zero APR period and the standard APR rate, and choose a UK credit card which leads to the least total outgo (you will need to sit with a calculator and calculate the total outgo on various UK credit card offers). </div>
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This is the most basic aspect that you need to consider before you decide on which UK credit card is the best for transferring balance. Other things like 0% on purchases, reward programmer points etc are secondary things.</div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-79181963204441231312016-08-14T12:34:00.000+08:002016-08-14T12:35:31.980+08:00Professional Credit Card Debt Management<div style="text-align: justify;">
Personal Financial Management</div>
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When it comes to handling and managing finances, most people differ largely. There are those who can effectively do it on their own, while some others require professional help to get organized. Financial management already proves to be a difficult undertaking with the many financial considerations and budgeting involved. This is one of the reasons why debts, specifically credit card debts, is one of the leading problems in the United States alone. </div>
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Hence, many opt to seek out professional services in order to straighten out any financial shortcomings or overlapping debts. </div>
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Professional Credit Card Debt Management</div>
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Seeking the services of professional credit card debt management is a valid option for anyone wishing to get out of debt. The most obvious reason for this is that the people involved in this type of service deal with debts and other financial management services on a regular basis. Hence, their knowledge and expertise on the field can help you deal a more beneficial credit card debt management scheme. </div>
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Speaking of expertise, there are different types of professional debt management services that specialize on specific financial issues. Each one are designed in a specific method and objective such that not all types of professional credit card debt management services are suited for all. When you decide to partake in a given professional credit card debt management service company though, you have to subject yourself to the guidelines created by the company in the hopes of providing a limit to your spending. </div>
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Benefits of Professional Credit Card Debt Management</div>
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Although you expect to settle some fees in accordance with the services provided, some people find it worthy for the set of benefits derived from acquiring professional debt management service. Here are just some of the most prominent benefits you can enjoy:</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>With the services of a debt management professional, you can learn helpful tips and tricks when it comes to better financial and debt management. This provides a long-term benefit since you are able to practice healthier financial management methods that will (hopefully) keep you out of debt.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>You can save a large amount of time. You can use the knowledge of the debt management professional to know about the surest methods and techniques that you can employ to find debt relief. </div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>Depending on the type of service you hire them for, they can either process debt relief for you or provide invaluable advice that will get you out of debt.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>Simply put, hiring a debt management professional will help you secure a better deal. </div>
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Tips on Choosing Services Effectively</div>
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On top of the difficult decision on whether to hire a professional credit card debt management services comes the more difficult step in this entire process: choosing the service. With the wide array of debt relief companies in the industry and the presence of numerous scams, one could easily fall into committing mistakes. </div>
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Outlined below are some of the specific guidelines you need to consider before you can be confident that the professional debt management service you hired is one to take you out of debt. </div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>Perform a thorough research. This is beneficial not only in terms of comparison but also in ensuring that your debt management service is legitimate.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>Compare what you can gain from the service and the costs charged for that service.</div>
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•<span class="Apple-tab-span" style="white-space: pre;"> </span>Opt for a credit card debt management company who has established a good reputation in the business. </div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-49674544441549192022016-08-12T14:19:00.004+08:002016-08-29T17:30:34.315+08:00How To Budget Your Money (Secret Tips For Family Finance Plan)With prices of commodities increasing day by day it is proper to make your very own strategic plan on maximizing your financial resources and making sure that every penny earned is well spent.<br />
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Make your move on coordinating your finances and list of expenditures that may affect the way you use your income and empower you on your economic stability as a working individual.<br />
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Your source of income, lifestyle, spending habits, current job and house location, cost of living, payables and loans determines your level of budgeting needs. Starting to take charge of your finances is one sure way of becoming successful in a field of self-fulfillment and success.<br />
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The following tips and recommendations will provide you details on how you can help yourself manage your finances and assume a new outlook to become responsible in your spending.<br />
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<li>Treat Math As Your Lifetime Partner – Do the entire math in your purchasing needs. Try to compare prices across your current location for the price of a range of grocery and household items you need in a day-to-day basis.</li>
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Save as much as you can in an item you are trying to buy. Chinese businessmen exercise effective buying techniques. They save as much as they can and usually purchase in bulk to increase their revenue index on the item they plan on selling as well.<br />
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<li>Gambling – Gambling tops the chart in making your life as chaotic as it could get. Gambling strips you off your finances and keeps you vulnerable from the threats of bankruptcy. </li>
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<li>Know Your Wants and Needs – Limit your spending on something which you are not in dire need of. According to a recent study, luxuries are second to gambling in terms of the degree of money-stripping capability. </li>
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<li>“Do Not Spend More Than you Earn” – Rags-To-Riches stories do not fail to mention this famous cliché. There is always truth to this phrase for you cannot live in a world where you consume more than what you can produce. </li>
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<li>Keeping A List – Making your own budget list is vital to your success to becoming prudent. A wise buyer needs to consider the amount of a certain commodity and how will it impact his life as an individual. </li>
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An unconscientious consumer would not care about what is being purchased as long as he or she has money to buy for them. Unless you are someone who has a considerable amount of wealth and income resources, you can not afford to disregard this recommendation and go ahead with your practice.<br />
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-58965549284694437512016-08-10T00:45:00.001+08:002016-12-11T20:05:15.203+08:00What Is Personal Loans<div class="MsoNormal">
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A personal loan is money you borrow from a lender for your own private use. The lending institution can be a bank, investment broker, or private lending company. You can apply for such a loan in your home town or on the internet. Personal loans can be used for a variety of needs including a vacation, vehicle repairs, education, medical expenses, home repairs or remodeling, legal bills, and debt consolidation.</div>
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The average personal loan maximum is $15,000. The amount you are eligible for will depend on the lending institutions guidelines for such loans, your income, and your overall credit rating. A personal loan is often confused with a line of credit. The major difference between the two is that a personal loan is a lump sum amount of money issued to you by the lender. A line of credit is similar, but you have access to funds up to your credit line that you can access all at once or just what you need, when you need it.</div>
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Personal loans can be either secured or unsecured. Secured loans mean you will offer the lender some type of collateral that they can claim in the event you don’t repay the loan. This can be a vehicle, land, or other asset you own. Unsecured personal loans mean there is no collateral. The interest rates for unsecured loans are higher because there is a greater risk of non-payment.</div>
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The terms of a personal loan are generally one to five years. The terms of your loan will depend on the lender and the amount of money you borrow. It is important that you understand the loan terms prior to accepting the funds. While a longer loan term will result in lower payments, you will end up paying more for the loan over the life of it due to the amount of interest. Keeping that in mind, only borrow the amount you need for your specific purpose and pay it back as quickly as you can. Make sure the set monthly payment is something within your reach on a regular basis so you are not likely to default on the loan.</div>
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The most common use of a personal loan is to consolidate other debts. This is a great way to have one monthly payment and reduce your monthly expenses. However, this scenario only works if you are willing to set a budget and life within the boundaries of it. Too often, a person who gets a personal loan to consolidate their debt racks up huge debt again quickly. Then they not only have that debt to pay again, but now they have a personal loan payment to meet each month as well. It is wise to enroll in a debt management course if you feel you may be at risk to continue the cycle of accumulating more debt. These can be taken for free at many non-profit credit counseling centers around the Nation.</div>
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Personal loans are a great way to access the money you need quickly. The application process is simple. You will generally need to verify employment, income, and residence. The lender will pull a credit check. You will likely still qualify for a personal loan if you have bad credit or no established credit. However, be prepared to pay a higher interest rate and have some type of collateral to offer.</div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-90031185929290789082016-08-08T11:34:00.000+08:002016-08-08T14:07:28.957+08:00Top Advantages of Unsecured Business Funding<div class="separator" style="clear: both; text-align: center;">
<a href="http://image.shutterstock.com/display_pic_with_logo/2138765/371999371/stock-photo-concept-of-insurance-with-hands-over-a-house-a-car-and-a-family-371999371.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="215" src="https://image.shutterstock.com/display_pic_with_logo/2138765/371999371/stock-photo-concept-of-insurance-with-hands-over-a-house-a-car-and-a-family-371999371.jpg" width="320" /></a></div>
What is an unsecured playacting give in the best space and how does it dissent from the received word? In clipped, collateral isn't needed with an insecure loan, but rather a security of swear. The finance system instrument give the concern with the assets it needs based on the tendency that the activity faculty be made sufficiency to pay affirm the word in period.<br />
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Superior Credit isn't required<br />
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Because the commerce individual already owns a productive playacting, an fantabulous title record isn't essential to obtain resource. Unremarkably, the playacting has to only try that it makes sufficiency money to be financially liable for repaying the word in a seasonable weigh. Their playacting stands as a testament to their winning role. Judge of it as the financing society as an investor. If they see that the sector is doing excavation, they present be joyous to put in it.<br />
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Payments supported on percentages<br />
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In many cases, the borrower agrees to brook finance with the preparation that their job repays the majuscule with a convinced quantity of their gains every period. There's unremarkably no chequer work or defrayal due dates. The pct can be reserved direct from the sales of the enterprise. The great artifact active that is that the borrower never has to perturb active missing a mercantilism due to a demand of assets. If sales are retard during a convinced month, the monthly commercialism is slim in unconditioned. On the verso, if the grapheme causes the job to be word with a ascension percentage of the rising profits it receives.<br />
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The money can be old anything<br />
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There is a mass of reasons a byplay person strength requisite other currency. Several may requirement to grow and grow their mercantilism.Application advances every small and keeping up to see can be primal. If not the application, it could be the locations. It's not all the minute that the perfect piece of advert attribute comes usable. A job would dislike to fille out on their chance at action the close measure.<br />
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Others may use the money for swing their analyse out there with incomparable business techniques. Telly commercials can be pretty pricy from creating one to stipendiary for the TV receptacle. Sometimes a byplay strength honourable be hiring new employees to apply the character for funding their register. No thing what the represent, an unsecured word has such much potency than a conventional one.<br />
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Faster and Easier<br />
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A traditional word takes abstraction. Waiting to center rearward from the funds may assert weeks, especially when asking for a largest sum of money. Finished unsecured methods, a sector can typically get backing in as emotional as 3 days. If they hit the condition for it, they could level get approved for as much as $500,000! That some money would be hornlike to get authorised for at a pattern side. If the mercantilism did get authorized at a stomach a longitudinal moment and descend with a fat worry evaluate.<br />
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Any Manufacture<br />
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Because no related is needed, an insecure give can be used in any business. The commerce doesn't beggary to signed over his/her most precious possessions vindicatory to get finance. There are no section connected another than the familiar responsibility of making a destined peak quantity each period. As lengthened as the concern is palmy, it won't matter what the business is.<br />
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These are only a few of the possibleness benefits that turn with this chivvy emancipated commercialism funding. There are plentifulness of many advantages depending on the limited performing. For those with a firm sensing to grow, insecure finance could be the perfect select for their performing.<br />
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Bed author: http://www.wscapnow.com/<br />
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This is Amarion Singer. I human written articles on business and mercantilism give maintenance. This article is active the advantages of unsafe mercantilism backing.<br />
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-82660666399253426462016-08-08T11:30:00.001+08:002016-08-29T17:32:53.400+08:00Is a Figure Assets Machine Give As Extraordinary As a Hen's Teeth?You can buy abundance of clean cars with exchange. But if you don't soul right to change, you may requirement to obtain an auto give. It is one way of purchase a car. If you have a just attribute appraise, you can easily get an motorcar loan from car dealers, botanist and impute unions.<br />
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But what if you don't acquire a ascribe grievance? You light low the aggregation of cardinal achievement car buyers. If you are a zero credit car customer, it becomes stubborn to obtain an auto word because lenders are unable to adjudicate your debt repayment cognition. But, does it will that a adjust commendation machine give is as rarified as hen's set? The response is no.<br />
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Adjust Approval Car Buyers can get down the Machine<br />
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If you are a digit payment car purchaser, you can allay buy a car. But, don't get tempted by ads that include line specified as "No Commendation Required" or "Anyone Can Add!" There's e'er a acquire. You staleness cite that nix is disengage in the experience. Usually, fraudulent lenders aim to influence correct ascribe car buyers through dishonest publicizing statements. They tidy you consider that you are getting a cracking collection but in reality they may upper touch valuate.<br />
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Unremarkably, cypher credit car buyers love to react the outrageous loan terms and interestingness rates offered by lenders. But, do not disquiet. With a small bit of labor, you can get behindhand the transport. Ruminate the shadowing things before stepping out for buying a car:<br />
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· You moldiness bang a job that fetches income. It module promise regular payments to the pledgee.<br />· You staleness feature a reasoned finding of working with your live employer for at small six months.<br />· You staleness bang the abode finding that mentions you are staying at your incumbent abode for at smallest six months.<br />· Examine for a co-signer with an excellent accomplishment account. It will cut the lender's assay and cater you with fast loan approval.<br />· Explore different financing options before you opt the one that suits you.<br />· If authorised for an auto word, achieve certain that you pay monthly payments on minute as it leave aid you to flesh a healthy entry resentment.<br /><br />
<span style="font-weight: normal;">Getting a cardinal payment motorcar loan is arduous but not as rarified as hen's set. It is not easy as obtaining a word with a opportune achievement number. But if you are solemn about doing your homework, you can convince the pledgee of rhythmic payments and obtain the give. Also, it can show to be a salutary travel towards establishing your commendation hit.</span></h4>
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With RapidCarLoans, a cypher ascribe machine give is not thin. The lot specializes in providing bad accomplishment warranted car loans online. It has participate of handling word applications with credit issues. Allot now, get authorized.<br />
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<br />adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-68132469444575688492016-08-07T16:34:00.000+08:002016-08-07T16:34:00.467+08:00About Online Trading<div class="MsoNormal" style="line-height: 110%;">
<span style="font-size: 14.0pt; line-height: 110%;">The invention of the Internet has brought about many changes
in the way that we conduct our lives and our personal business. We can pay our
bills online, shop online, bank online, and even date online!<o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 110%;">We can even buy and sell stocks online. Traders love having
the ability to look at their accounts whenever they want to, and brokers like
having the ability to take orders over the Internet, as opposed to the
telephone. <o:p></o:p></span></div>
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<span style="font-size: 14.0pt; line-height: 110%;">Most brokers and brokerage houses now offer online trading to
their clients. Another great thing about trading online is that fees and
commissions are often lower. While online trading is great, there are some
drawbacks. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 110%;">
<br /></div>
<div class="MsoNormal" style="line-height: 110%;">
<span style="font-size: 14.0pt; line-height: 110%;">If you are new to investing, having the ability to actually
speak with a broker can be quite beneficial. If you aren’t stock market savvy,
online trading may be a dangerous thing for you. If this is the case, make sure
that you learn as much as you can about trading stocks before you start trading
online. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 110%;">
<br /></div>
<div class="MsoNormal" style="line-height: 110%;">
<span style="font-size: 14.0pt; line-height: 110%;">You should also be aware that you don’t have a computer with
Internet access attached to you. You won’t always have the ability to get
online to make a trade. You need to be sure that you can call and speak with a
broker if this is the case, using the online broker. This is true whether you
are an advanced trader or a beginner. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 110%;">
<br /></div>
<div class="MsoNormal" style="line-height: 110%;">
<span style="font-size: 14.0pt; line-height: 110%;">It is also a good idea to go with an online brokerage company
that has been around for a while. You won’t find one that has been in business
for fifty years of course, but you can find a company that has been in business
that long and now offers online trading.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 110%;">
<br /></div>
<div class="MsoNormal" style="line-height: 110%;">
<span style="font-size: 14.0pt; line-height: 110%;">Again, online trading is a beautiful thing – but it isn’t for
everyone. Think carefully before you decide to do your trading online, and make
sure that you really know what you are doing!<o:p></o:p></span></div>
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adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-37923491850872615232016-08-05T21:25:00.000+08:002016-08-10T14:35:03.506+08:00How To Buying a Car Crossing the Down Payment Obstacle<b>How To Buying a Car Crossing the Down Payment Obstacle</b><br />
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In the times of ever-expanding world and fast-moving lives, traveling with comfort has become a significant necessity for everybody. Today, everyone needs to achieve his destination on time and modish. perhaps that is why a automobile has become a artifact that one should possess. due to the developed finance surroundings within the country, shopping for a automobile isn't troublesome. With the assistance of the deposit, you'll be able to have your dream automobile in your garage.<br />
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Buying a automobile on loan majorly involves 2 stages i.e. the deposit and therefore the monthly payments. The deposit is that the direct quantity paid to the dealer before getting a automobile. On the opposite hand, a automobile client needs to build monthly payments to the investor.<br />
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The deposit is helpful for the dealer furthermore because the automobile client. It acts as security for dealer and helps the automobile client in reducing the debt burden.<br />
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<b>Deciding the deposit</b><br />
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Deciding the deposit may appear a tedious job however truly the factors governing a similar area unit straightforward to know and calculate. The investor considers the subsequent factors before approving the loan amount:<br />
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<b>· Credit Score</b><br />
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<b>· DTI (debt to income) quantitative relation</b><br />
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<b>· monetary History</b><br />
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<b>· Debt reimbursement History</b><br />
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If the investor considers you a less risky automobile client, he can approve you for a bigger loan quantity. It suggests that you may be able to purchase a automobile with a smaller deposit. so maintaining a decent credit score and a lower DTI quantitative relation can encourage lenders to lend you more cash.<br />
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What to try to to if the application is taken into account Weak by the Lender?<br />
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Do not worry if you are doing not have a decent credit score or a powerful DTI quantitative relation. In such a state of affairs, you may have to be compelled to want a bigger deposit. Here area unit a number of choices that may assist you in getting money for the down payment:<br />
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<b>· Trade-in</b><br />
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You can exchange your recent automobile and find a reduction on the new automobile. you ought to additionally check for discount offers and different schemes that the dealer provides for commerce recent cars.<br />
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<b>· Saving</b><br />
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Choose your required automobile and check out to save lots of cash until the time you're able to purchase the automobile. it'll assist you to avoid getting loan for the deposit.<br />
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<b>· Borrow</b><br />
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Although being the smallest amount better choice, borrowing from a devotee or a friend will typically be the sole thanks to organize money for the deposit.<br />
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<b>· Borrowing against your 401(k)</b><br />
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If you've got a retirement savings arrange, you'll be able to borrow cash against it and pay it off later.<br />
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<b>· marketing off unwanted things</b><br />
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You can lower your burden of composition money for the deposit by marketing things that you simply} not use and area unit just covering up your garage area.<br />
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<b>· Get a present</b><br />
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You can raise your friends and relatives to gift you cash. because the gift quantity up to $14,000 is excluded annually, your donor are able to give you cash with none burden of tax.<br />
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Remember that the deposit will be a challenge whereas shopping for a automobile. however with the proper monetary designing and management, you'll be able to cross the deposit obstacle and purchase your required automobile.<br />
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When you wish to avoid the deposit, EZ car Finance will assist you. get no deposit car loans from the car finance specialist and find able to purchase a automobile these days. Apply currently for straightforward consumer loan approval.<br />
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<br />adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.comtag:blogger.com,1999:blog-8853533008801151644.post-8370935746902644272016-07-30T01:29:00.001+08:002016-07-30T01:29:32.991+08:008 Myths about money that harm our financial lives.8 Myths About Money <br />I grew up on a farm in Nebraska. My family had always worked hard for their money, and as a result, I always equated working hard with making money, with no idea that my beliefs could not have been further from truth. As I educated myself on human behavior and financial strategies, I learned that it’s actually the people who make their money work hard for them, rather than the people who work hard for their money, who end up with more of it. Since creating my millionaire-making program, I’ve learned that I was not alone. There are many people who shared this same myth.<br /><br />Much like our views about many things -- people, relationships, food, and health to name a few -- our beliefs came from our parents, our teachers, and other adults in our lives. And it goes back even further, beyond them, back to the circumstances through which they lived, or what they learned from their parents, what their parents learned from their parents, and so on. These beliefs are ingrained, and because they’re usually subconscious, the cycles are continuous -- until someone breaks them. You can break the cycle. Beliefs about money are many and varied, but in my research, I’ve discovered that there are a few that predominate.<br /><br />Money is scarce. Several of us have parents or grandparents who lived through the Great Depression, an era that rooted an entire generation in a scarcity mindset. These people passed onto their children the idea that money was in short supply and that when it did surface, spending had to be limited and saving was imperative. If any of the following ever crossed your mind—“A penny saved is a penny earned,” “Don’t dip into savings,” or “We can’t afford it” -- then you have this perspective and rainy days loom ominously. Money doesn’t grow on trees. These threats create a fearful relationship with money.<br /><br />Money is evil, dirty, or bad. Several of us have parents or grandparents who believe that the road to bad places is lined with green. They’ve only ever seen the drawbacks of the rat race, the downside of the money chase, and the audacity and indulgence of those with too much money. Some even believe that wealthy people are bad people. Novels and films often highlight the idea that it’s the crooked ones who make the money. The meek shall inherit the earth. Such prophecies create a hands-off relationship with money.<br /><br />Money comes monthly. The most common way to make a living is to be employed, either with a company or as a skilled professional, with a weekly wage or an annual salary. Historically, this provided the safe, sure thing required by heads of households. Yet, that level of risk was usually balanced with an equal level of reward -- low and low. For most, even those who do very well, working for a company or as a skilled professional is a constrained opportunity. Except for the outrageous exceptions, the average CEO of the average company making six figures a year will still experience only a small increase in salary during his or her lifetime. Slow and steady wins the race. Such fables create a cautious relationship to money.<br /><br />Money is not for me. Some people feel that they don’t deserve to be wealthy or that there is only so much of the millionaire pie to go around. Creating wealth and financial freedom is available to everyone. It is our right to be wealthy, and my hope is that people take their space and know they deserve it. By making money, you are not taking it from someone else; this isn’t Bonnie and Clyde Go to the Bank. By making money, you create a greater capacity to contribute, and it’s your duty to do this. Better them than me. Such adages create a defeated relationship to money.<br /><br />Money is a man thing. There was a time that men made and managed the household money. That time was not so long ago, and some of you may have grown up with such conditioning. Though there are gender tendencies, for example, men tend to carry more money in their pocket than women and are more likely to invest than women, the reasons behind this are not genetic; they are realities falsely fabricated from years of conditioning. Women and men need to understand that money knows no gender. One of my programs that really resonates with up and coming wealth builders is “Wealth Diva: A Man Is Not a Plan.” This is a must-do seminar for every man and woman, and the daughters and sons they love. Let him bring home the bacon. Such perceptions create an apathetic relationship to money.<br /><br />Money is good medicine. For some people, retail therapy goes a long way; there’s no difficulty a new blouse can’t cure. At the moment, we live in a culture of consumerism, and many of us use money to fill the unsatisfying holes in our lives. Some people grew up with a sense of entitlement about money, assuming their parents or a trust fund would always pay for everything, and in the process, they became careless about what they had. This is a vicious and unproductive cycle. The new car gets old, the closet fills up with clothes, and the toys pile up in the playroom. This is notto say there aren’t wonderful things to buy and spend our money on; after all, money should be fun. But as with overeating, too much spending on the wrong things can get any of us feeling sluggish and sad. Shop till you drop. Such bombarding messages create a disrespectful or nonchalant relationship to money.<br /><br />Money is always a menace. For too many of us, money was always a problem. Bills were a hassle, keeping up with the Joneses was exhausting, entrepreneurs were considered nuts, and one’s station in life was, well, stationary. And getting rich would be worse. Money can be such a burden, not to mention all that paperwork and responsibility. These views of money create a perspective that money is actually a problem, not a solution. It’s hard enough just to survive, let alone thrive. Such pessimism creates a negative relationship to money.<br /><br />Money talk is taboo. Many of us have been brought up to believe that conversations about money are in bad taste. Money and financial success, and failures, are considered personal subjects that shouldn’t be discussed and certainly shouldn’t be taught. Few of us asked our parents how much money they made, and even now, there are people who don’t know their spouse’s salaries. The results have unintended consequences and have created a world where very few people are having real conversations about money and finances, the very conversations they need to learn and succeed. These things are not discussed in polite society, dear. Such a scolding creates an ignorant relationship to money.<br /><br />In each of these examples, it’s clear that unless your parents made a conscious choice to think and act differently, they conditioned you to have the same mindset as them. If you make a decision to break this cycle, you will have the opportunity to teach your children to have more productive beliefs about, and a more profitable relationship to,money. As you come to understand the beliefs you hold, you will work to change them. Through the action steps in this process, and with the help of mentors and respected friends, you will change your behavior. By sharing your desire for new beliefs and asking your mentors and respected friends to help you spot the subconscious limitations you may be putting on yourself, you will teach your brain to follow your behavior. Begin now by restating your beliefs. For example, if you’ve discovered that you hold any of the above examples as beliefs, you will<br /><br />1. Change “money is scarce” to “money is abundant” and support a courageous relationship to money.<br /><br />2. Change “money is evil, dirty, or bad” to “money is good and acceptable” and create a hands-on relationship to money.<br /><br />3. Change “money comes monthly” to “money comes from a range of sources” and create an opportunistic relationship to money.<br /><br />4. Change “money is not for me” to “who better than me for money to come to” and create an empowered relationship to money.<br /><br />5. Change “money is a man thing” to “I can and will know about and understand money,” and create a thoughtful relationship to money.<br /><br />6. Change “money is good medicine” to “money is a tool to help make my life better” and create a respectful and concerned relationship to money.<br /><br />7. Change “money is a menace” to “money is a solution” and create a positive relationship to money.<br /><br />8. Change “money talk is taboo” to “money talk is vital” and create a knowledgeable relationship to money.<br /><br />You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful and nonchalant, negative, and ignorant. The choice is yours and it looks like you’re well on your way. You’ve already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you have created the opportunity to raise your financial consciousness and change your life.<br /><br />adminhttp://www.blogger.com/profile/02230643686479040636noreply@blogger.com