Term Life Vs Permanent Life Insurance

Term Life Vs Permanent Life Insurance

Term Life Vs Permanent Life Insurance

Term Life Vs Permanent Life Insurance – Choosing between life insurance types can often be a tedious and long process. There are many options available for the policies, as well as terms within those options. Companies offer so many types because everyone seems to need something unique to their situation, lifestyle, etc. Two of the most common types are term life insurance and universal life insurance. Slot Game Online.

Term Life Insurance Explained

This is a policy set up to cover a person for a specific amount of time. Premiums and coverage never change, and after the term is up, there may be an option for renewal. For instance, a family with a mortgage might be best off to have both spouses covered. Another case for using term life insurance is when there are still children at home. Often times this kind of policy will remain in effect until the last child leaves home at age 21. Slot Game Online.

One last example where people often use this type of policy is with a stay at home parent. A death benefit can keep the rest of the family financially afloat in regards to daycare for younger children, and other spousal duties. It’s very important to consider what would happen to a family if a stay at home spouse were to pass away. Often times they are over looked because they have no income. The money they are saving the family though, in cleaning and daycare bills, adds up and should be considered for their own term life insurance policies. Slot Game Online.

Permanent Policies Explained

Permanent policies are characterized by their cash values and death benefits. One of these common policies is universal life insurance. This kind of policy is used for people who want to have a more hands on approach with their coverage and cash value. The popular idea behind universal life insurance is that the premiums, pay out, and cash value are all decided by the owner. If their wishes change, the universal life insurance policy is easy to alter by additional deposits. Slot Game Online.

Have More Control Of The Investment

There are many reasons to choose the universal life insurance policy over other kinds of policies. Of course, by having this control the owner must also keep an eye on the balance to be sure. There is enough money for the death benefit they desire. The transparency of the universal life insurance policy is a nice addition as well. In universal policies, they will have access to each itemized fee taken comparable to a bank statement. Slot Game Online.

Choosing the proper death benefit for your needs requires a lot of consideration. There are many options as far as the kind of coverage you want, and whether you want to be able to benefit from the investment while you are still alive. Taking the time to research your needs before you discuss them with an underwriter will assist you in being that much more prepared for this large purchase. Slot Game Online.

Choosing What Is Best For You

While it seems like there are a lot of options. This is only to express how individual each person’s own needs are. The Internet provides a way for you to gather all of the information you need prior to speaking to an advisor, but they are usually available for questions, so don’t hesitate to call one. In the mean time, take your time in considering what option best suits your needs and when you are ready, start looking into life insurance quotes. Slot Game Online.

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7 Marketing Business Mistakes

7 Marketing Business Mistakes

7 Marketing Business Mistakes

7 Marketing Business Mistakes  – In 2006, I hired a strategic branding firm to help me with a branding slogan, consistent messaging, collateral materials, website, etc. And while it was a sizable expenditure, it was worth every dime. Why? Because their expertise strategically moved my business in the direction it needed to be going, along with timely implementation. Slot Game Online.

Now, we are moving more and more into digital marketing. Small businesses often have a limited budget for marketing, if any budget at all. Most small businesses don’t budget for marketing or advertising and often become reactive to the newest trends instead of creating a marketing plan. One thing I have learned about myself over the years is that when it comes to new marketing ideas, I either I take out a checkbook to pay someone to do it for me or I sit in the classroom and learn. I’ve done both and I can honestly recommend either. You must decide which one suits you and your marketing team best. Slot Game Online.

I was told years ago that advertising is not effective for consulting or advisor types of businesses. I agree to a certain degree, yet, I still see many advisors who consistently advertise in their target market with great results. The key here is consistency. No matter which channels you use to push your message out, you need to do it consistently, over a long period of time. This is true for digital marketing as well. Although I am an advocate for Pull Marketing or In Bound marketing, the reality is you need to integrate push marketing consistently before you’ll get any pull or inbound results. Slot Game Online.

Here are 7 mistakes to avoid

Mistake #1 – No clear objective or message to communicate

Have a clear target market – know who your audience is. Don’t try or expect to be all things to all people. Once that target market is well defined, find out what they care about, or their challenges, and help them. 7 Marketing Business Mistakes. Without exception, all your communication efforts speak to that target audience. Your team also needs to know your audience and messaging to them clearly. Slot Game Online.

Mistake #2 – Jump at the latest and greatest tools too soon

It seems human nature is to react. Long term planning or strategically looking at things is not our nature. So before you jump into social media, SEO, or even on-line marketing, be sure you understand and know what you’re buying into, or most importantly, that it will produce the results you’re looking for. Slot Game Online.

Mistake #3 – Nothing is integrated

Your message is inconsistent from brochures, flyers, website, blogs, Twitter, Facebook, etc. You say many things, and your messaging comes across as inconsistent or not integrated. Without integration and consistent messaging, you will not create a pulling effect. Slot Game Online.

Mistake #4 – Doing It ALL yourself

For many small businesses, budget or cash flow is tight, so you end up being the CFO, CEO, CMO and janitor. Find out how much your time costs and look at your ROI if you manage your own marketing. For example, most social media tools offer free accounts, but your time is not free! Unless you are able to make very good contacts and form valuable networking groups, you may need to examine whether your time might be better spent closing deals or scheduling more appointments with prospects or servicing existing clients IRL (in real life). Slot Game Online.

Mistake #5 – No ROI or measurement of all marketing regularly

After all marketing plans are in place and set, implement a method to measure your campaign results. Set your goals at the beginning of your campaign with percentages and numbers that are trackable, such as aiming for a 20% increase in prospects calls or a 30% increase in inquiry of services. Your campaign could be daily messages on a social media account. Those efforts may drive traffic to your website, but do they result in more click conversions? You’ll want to measure every aspect. Slot Game Online.

Mistake #6 – Not setting favorable sales conditions

I get very confused when marketing or technology firms tell me that we’ll increase traffic on your website or we’ll get you on the first page of a Google search. Okay, that is nice, but does it create a favorable sales condition? Take Zappos, which promises a 365 days return policy plus free shipping both ways. That guarantee sets a favorable sales condition, because as a consumer, you know you won’t risk losing money in the online transaction. Offers and promises of satisfaction also work in this way. Slot Game Online.

Mistake #7 – Not implementing regularly

You may have already made the deadly mistake of implementing a tactic only once and then moving on to the hottest and latest tools out there. If you’re spending money, time and energy in marketing, implement regularly. You gain momentum by doing little by little, and over time, you accumulate results. Regular implementation helps you improves your marketing efforts. Slot Game Online.

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CreditCard Debt Settlement Solutions

CreditCard Debt Settlement Solutions

CreditCard Debt Settlement Solutions

CreditCard Debt Settlement Solutions – In a world of constant price hikes and inflation, credit cards represent a much welcomed solution to meet spending needs. However, problems arise when debts incurred become difficult to pay off. Nevertheless, there are ways to overcome this. Let’s consider how CreditCard Debt Settlement Solutions. Slot Game Online.

First And Foremost: Understanding Credit Card Debt Settlement

This term essentially refers to the act of working towards paying off credit card bills. Typically involves negotiating to get a reduction in the amount originally owed to creditors. The usual range of reduction lies between 40-60% of the outstanding balance. Slot Game Online.

It is not an easy process to go through, and there are many pitfalls that exist along the way. This is precisely why it is crucial to be aware of what are the best ways to carry out credit card debt settlement with the least amount of complications. Slot Game Online.

Here are five helpful pointers that you may find useful:

#1: Take A Good, Hard Look

Before putting any action to get your credit card debts cleared. You should evaluate how much you really owe (the debt itself). How much you have on hand (your current income) that may enable you to settle your account with your outstanding creditors. Ask the creditors concerned to provide you with a breakdown of what you owe them and take note of the details. How much consists of the actual amount to pay, what are the overdue fees, interest, etc. Evaluate your present income too. And see how much you can actually afford to pay on a monthly or yearly basis. You can then also attempt to estimate what your shortages are or how long you reckon you’ll take to settle your debts. All such information will be of great help when negotiating with creditors, or even when contacting others for help or advice. Slot Game Online.

Step #2: Knowledge Is Power

Familiarise yourself with your available options. Being in the dark about your current situation will only serve to hinder you from obtaining the best debt settlement possible. Furthermore, continuing to be clueless about what it’s all about will cause you to feel insecure. Even more afraid of the unknown future before you. Do your bit to educate yourself by asking others or reading up on this topic wherever you can. The Internet is a rich source of information. Try running an online search for debt settlement. You’ll be sure to come across many useful articles or even testimonials from others which may actually help you in finding the best solution for your own predicament. Slot Game Online.

Step #3: Document The Details

As the saying goes, “The devil is in the details”. Nevertheless it may be the details that may save you when it comes to the crunch of things. It is highly imperative that you keep good records of what has transpired so far. Especially whatever communication has ensued between you. The respective creditors as well as any collection agencies which may also be in the picture. Keep copies of any letters you may have sent out. Whenever you call and whoever it may be. Take down what had been discussed. As much as possible, insist for written agreements to follow any prior ones made verbally. Slot Game Online.

Step #4: The Virtue Of Patience

As absurd as this may sound. It might literally be worth waiting things out. This is because your chances of securing a good debt settlement for yourself may increase with the passing of time. The rationale behind this is that creditors will become more willing to accept a settlement if it comes to a point where they perceive you as delinquent. Realise that it’s better to at least get some payment from you rather than have to write off completely what you owe them as a bad debt. Slot Game Online.

Step #5: Ask For Help

You need not face this entire credit card debt settlement issue all by yourself. In fact, choosing to do so may not even be in your best interests. Instead, consider who you can contact that is able help you in this matter. Attorneys, debt settlement companies, consumer credit counselling services. Debt specialists are some examples of possible parties that you may want to consider. Slot Game Online.

However do your research and be wise about who you choose to go to for help. There are plenty of scams out there, so be sure that you do not fall prey to any of them or you could end up in worse financial difficulties than what you started off with. Slot Game Online.

Based on these pointers, it is evident that finding a way out of your credit card debts is not only attainable. In fact it is possible to get a good deal when settling it provided you put in some thought and effort into the process. Awareness of your situation, careful preparation and a willingness to consider all feasible options will greatly help you in solving this seemingly insurmountable problem. As daunting as things may seem now. You can rest assured there is always a light at the end of the tunnel. Slot Game Online.

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5 Financial Planning Mistakes

5 Financial Planning Mistakes

5 Financial Planning Mistakes

5 Financial Planning Mistakes – When we see that the fixed deposit rates are higher we invest in fixed deposits. When we see that the stock markets are on a roll and going higher and higher, we buy shares. We see that everybody is saying that a mutual fund has given outstanding returns in a year, we buy that fund. When gold rates are going higher and higher every day, we curse ourselves for not buying it earlier. When a stock IPO or a bond is issued and everybody is applying, we also do the same. And with the numerous calls from hardcore telecallers, we find it hard to avoid them and ultimately end up in buying an insurance product without any previous plan. Slot Game Online.

The result of such unplanned investments is however not always bad. But it results in an unnecessary financial burden, which becomes difficult to carry in the long run. Hence the unplanned investment in a fixed deposit may result in good returns from it, but overall low returns. An unplanned investment in the share market or a mutual fund results in a loss and getting stuck for years. An unplanned investment in an insurance product results in lapse of the policy after a few years. Slot Game Online.

As an intelligent investor we should follow a guideline to investing, ignoring the calls from the telecallers, friends, colleagues and our own lust for more profits. Let’s see the 5 common mistakes that an investor commits. Here they are:

1. Not Having An Objective

We should have an objective, a goal, for our investments. Goal based investments results in the realization of our future dreams. If we have a goal of buying a house or putting our child into a medical school and plan our investments around that, we have a good chance to make that happen in the future. Many of us dream of such things, but never plan their investments to meet that goal. Slot Game Online.

2. Wrong Timing

This is the most common of all the mistakes. When making an investment one should pick the right moment. No, I am not talking about “shubh mahurats” or auspicious timing here, I am speaking of the right economical timing. When the economies are not doing good, there are bad economic reviews everywhere and the companies are in doldrums, it’s a good time for an investment. Blue chip stocks are available on “sale”, fixed deposit rates are hiked due to higher stock market risks and high inflation, real estate prices are attractive due to slump in demands – these are excellent times to invest in these instruments. However, remember that investment timing varies for different types of instruments as each of these react differently in a situation. Slot Game Online.

3. Over Investing

People do not allocate their money while investing. An allocation is necessary to spread the risk of investments in different instruments. This allocation should be made with regard to the age and risk profile of an investor. If one invests 70% of his annual funds into shares and the rest in fixed deposits, in his 40s, he is taking a big risk. If a salaried person, invests 80% of his monthly salary in fixed deposits only, is not giving his money a good scope to grow. Over investing is either “putting all the eggs in one basket” or investing all the time. I know people who buy shares almost daily saying that they are investing for the long term. It is critical to understand that investments should be done in an “investment window”, an opportunity, which comes once in a while; not all the time. Slot Game Online.

4. Not Researching

I know that people are computer-savvy these days and they would certainly research before committing. But how many of us go beyond the tips and research reports to pause and think that these are genuine and not some marketing ploy? Internet is a fantastic tool to research, but there are good sites. Which steers an investor in the right direction and there are marketing sites. Which in the name of providing research, review and comparisons, try and promote their products. I am not saying that all of these sites are bad or promoting only, but many of them actually are. A research should be based not only on what others say. But also taking one’s own situation into consideration and applying a common sense judgment over it. Slot Game Online.

5. Not Recording

Although most of us do keep records of their investments. But these seldom reflect the true net-worth or whether an investment is keeping with the plan or not. We keep records for the sake of filing our Income Tax returns only. A proper record should reflect one’s net worth, net returns from investments, net income, net expenditure, etc., so that one can plan for the future and keep an eye whether the investments are doing good or not. There are many modern softwares which does all this and more and I will discuss about them in the near future. Slot Game Online.

These 5 top financial mistakes should be avoided if you are going to make a lot of money in the future. You may be earning a lot of money by getting a handsome salary or having a great business, but it’s when you avoid these mistakes, that you have a good chance to survive in the long run called ” life”. 5 Financial Planning Mistakes.

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Financial Planning Setting Goals

Financial Planning Setting Goals

Financial Planning Setting Goals

Financial Planning Setting Goals – Finance is a hot topic right now because of the current financial situation plaguing the world. Many individuals hope that they are able to get a handle on their finances in case the economy gets worse for them. All of the finance tips in the world are great, but the only way to truly do this is to set goals. Slot Game Online.

What kind of goals do you need? You must do such things as figure out where most of your money is going, identify where you can cut back, and also figure out a way to give yourself a financial boost if you can. If you do these things, then you will find that you can conquer the topic of finance and live freely. Slot Game Online.

How to Set Goals

If you ever want to get anywhere with anything, you must set goals. When it comes to finances, it is rather hard to set small goals to get to the ultimate goal. In this case, you have to identify your ultimate goal and come up with a plan to get there. Here are the things that you need to do:

  1. Check your bank statements and see where it is your money is going. This is one of the best pieces of advice in finance because people are usually amazed at what they find. The wondering about where the money has gone comes to an end.
  2. After you find out where your money is going, it is time for you to see where it is you can cut back. How much can you cut away from your cable bill? Do you really need that online video rental membership? Is there a company that offers the same life insurance coverage for a cheaper rate? These are all questions to ask and put the answers into action.
  3. You need to set limits for your family. If you’re doling out money all of the time, let them know you are going to start limiting what they get and that they need to budget their money.
  4. Limit how much you are spending on family outings. It is true that you and the family need these times together, but is it necessary to spend $30 on the video arcade?
  5. Make sure you place money in your savings and in your investment accounts. Don’t forget to plan for the future and for rainy days.

Doing all of these things will help you reach your ultimate goal. Remember, the goal you wish to reach is entirely up to you. When it comes to finance, it cannot be too big or too small. It depends on your particular situation. For instance, you may wish to have a certain amount in your savings account and retirement accounts. You may also wish to take your family out for your dream vacation when the economy straightens up. By planning for these goals, you will not have to rely on the credit cards to see them happen. You will already have the money.

How to Give Your Finances a Boost

If you find that your current stream of income is not enough, there is another rule in finance that you may wish to abide by. That rule is to boost your income any way that you can.
The first thing that probably comes to mind is finding a second job, but that doesn’t always have to be the case. There are certain things that you can do at home to give your finances a boost. For instance, you can start an eBay business. You may also wish to do something such as affiliate marketing or do some freelance writing on the side. Slot Game Online.

As for where to find these jobs, there are classified websites and work at home job sites that offer a lot of opportunities. What is great about these opportunities is the fact that you do them on your own time as long as you meet your deadlines. Slot Game Online. If your second income stream is just another way to add to your savings and your investment accounts, then you will want to make sure you do just that. You can separate the purposes of your income streams and find that your family will be in a much more comfortable financial situation. Financial Planning Setting Goals. Slot Game Online.

Other Aspects of Finance

If you find that you are not in a situation where you can cut back or a second income stream won’t provide you with what you need, there are other ways to deal with your financial needs. You can improve your situation by refinancing your debts. You can apply for a debt consolidation loan. This will combine all of your unsecured debts such as credit cards and personal loans. The payment and the interest rate are usually reduced from what all of the separate payments were. This leaves more room to set goals and meet them. Slot Game Online.

You may even wish to negotiate with your credit card companies. If you have had a good history with the company, they are more likely to help you out when trying to reach your financial goals.
So when it comes to fixing your finance situation, know that you have plenty of options. It is not impossible to work with what you have and not impossible to add to it. In the end, things will be much better for you financially.

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Paying Your Federal Taxes

Paying Your Federal Taxes

Paying Your Federal Taxes

Paying Your Federal Taxes – For employees, taxes are usually withheld by your employer on a monthly basis. You may however, need to pay any balance due after preparing your tax returns. People in self-employment will need to calculate quarterly installment taxes as the year goes by and finally settle any outstanding taxes for a given year by the 15th of April the following year. There are various options available to enable you to make these tax payments to the IRS. Below are six of these options:

1. Payment by Check or Money Order

One of the ways that you can settle your outstanding tax bill is by writing out a check to the IRS and having it posted to the IRS office. You can attach the check to your tax returns. Ensure that the amount on the check is the same as that of the outstanding taxes as indicated in the return to enable easier verification. You can also send a check or money order at any other time within the year to settle outstanding taxes. Slot Game Online.

You will need to indicate your name – or names for those who file jointly. Your Social Security number (for joint-filers, indicate both the numbers included in your tax returns), physical address, telephone number, and the tax year that the check is settling taxes for. You can get the address of where to send the check from the IRS website. You can also drop the check at the nearest IRS office in person. Slot Game Online.

2. Electronic Funds Transfer

Another option available to settle your due taxes is by an electronic funds transfer. The IRS provides a system to facilitate this process, referred to as the Electronic Federal Tax Payment System (EFTPS). You can pay taxes or schedule payments through this system. You can access the system from the website at or by calling the toll free IRS number at 800-555-4477. Slot Game Online.

3. Installment Payment Options for Taxes below $25,000.00

If you owe taxes of less than $25,000.00, you can set up an installment payment plan through the IRS website. The service will enable you to pay off the due taxes in monthly installments as opposed to making a lump-sum payment. You can also set up the installment payment plan by filing IRS Form 9465, “Installment Agreement Request Form”. The IRS will get back to you in response to the filed form and will give you the details of the installment payment plan. Slot Game Online.

4. Installment Payment Options for Taxes above $25,000.00

If the taxes owed are more than $25,000.00, you will need to file Form 433F, “Collection Information Statement” to be considered for a installment payment plan. The form requires you to provide details of your financial assets and other finance related information. You will also need to attach various support documentations for your finances. The IRS then reviews your specific financial situation and determines the amount of installments to be paid on a monthly basis. Slot Game Online.

5. Credit Card Payments

Another option available to settle your tax bill is by using your credit card. The IRS has outsourced the credit card payment service to three private companies and you can choose to pay from these various vendors. These three companies are Link2Gov, RBS WorldPay Inc., and Official Payments Corporation. You can make payments either by calling their telephone number or through their website. Note that these companies charge you for this service. Slot Game Online.

6. Short-Term Delayed Payment

If you do not have money by the time the taxes are due, you can call the IRS’s toll free number and request for some extra time to raise the funds. Usually, the IRS agents may give you up to 120 days to settle the taxes with no interest or penalties. You will however, need a good, justifiable reason or explanation to qualify for this grace-period extension. Slot Game Online.

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Insure a Muscle Car

Insure a Muscle Car

Insure a Muscle Car

Insure a Muscle Car – Whether you currently own a classic muscle car or you’d like to. Regardless or the year make, or model involved we all have one very common need insurance. Ah, insurance – the one word that almost everyone (except insurance agents) say with a tone of disgust. Most of the time, people take on auto insurance policies and pay the premiums. Never actually have to make a major claim against the policy. However, should a situation ever happen where you would need to make a claim (in the event of theft, fire, a wreck, etc.). You’ll be thankful your insurance policy is there to help you. The purpose of insurance is to offset risk and with the skyrocketing values of muscle cars these days insuring them well is a must. This leads to the big question which type of insurance do you need? Here’s a 50,000 foot overview! Slot Game Online.

Regular Old Insurance? No way!

We’ll start by addressing the type of insurance that you don’t need: regular old car insurance. “Regular” car insurance is the type of insurance that you have on your daily driver. Which for most people is no older than a 15 year old car or truck. Should an event ever occur where your car is totaled out. The insurance company will send you a check for (basically) the blue book value of the car. I’m simplifying things a bit here but you get the point. The blue book values of cars decline with age. So obviously if you’ve just put $40,000 into restoring your ’67 GTX (or just purchased one) you’d need a different type of insurance. Slot Game Online.

Agreed Value

This is a type of policy where you and the insurance company agree on an amount of coverage value for your car (say $40,000), and you pay a monthly premium on that. Companies like Hagerty and Grundy have been issuing these policies for years – and they have very low premiums to match. It’s a great way to get your car covered for a high dollar amount at a low price. What’s the catch? Usage. They have absolutely no requirements on limiting annual mileage, but it’s essentially insurance for people that drive their cars in parades, to car shows, and the occasional cruise. Slot Game Online.

Stated Value

What if you’d like to use your car more frequently, or as a daily driver? In that case, “stated value” insurance is the way to go. This is essentially just like regular car insurance (so you’re covered in every situation). But with a value stated on the policy for the car’s value and coverage amount. You’d need to find an insurance company to work with. The major auto insurance companies (Allstate as an example) offer these style of policies (along with many others). It will NOT be as cheap as the agreed value policies. But it will provide you the coverage that you’re looking for. Slot Game Online.

Summary

When insuring your muscle car, determine how it is you wish to use the car first, and then choose the appropriate type of insurance based on that. If you’re a “parade, car show, and cruise” kind of guy. Agreed Value is the way to go especially if you have a high dollar car. If you’re looking to use the car as daily transportation, go with Stated Value. As with anything else though – price the policy both ways! Slot Game Online.

Property Insured Against

Home Insurance Plan protects you against loss/damage cause by:

1) Fire, Explosion (including explosion of domestic appliances like geyser, stoves) lightning, thunder bolt, earthquake.
2) Burglary, house breaking or any attempt of threat.
3) Riot strike, labour disturbance and malicious act.
4) Aircraft and other Aerial devices or articles dropped therefrom as well as falling trees.
5) Bursting or overflowing of underground water or sewerage pipes (excluding damage caused thereto)
6) Flood, Typhoon but excluding rain damage except when occurring during or immediately after typhoon.
7) Impact by Road Vehicle.
8) Personal accident cover.
9) Loss of Rent &
10) Terrorism.

The contents sum insured you choose should represent the full cost of replacing your contents as New with items of similar quality at today’s prices. Slot Game Online.

About My Valuables

Your valuables like jewelry are held covered when they are:
1) at residence or
2) in a specified locker or
3) in transit between residence and the locker and vice versa or
4) worn and robbed any-where in country Insured value of the jewelry.
5) Cash on body also covered during transit also covered.

Happens Under Insured

If your sum insured is insufficient any claim you make would be reduced in the same proportion as the amount of under-Insurance. Insure a Muscle Car. Slot Game Online.
Today’s Home or Property Insurance are both really important due to all of the hazards that can happen. It will provide you best the compensation of your valuable property.

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6 Wealth Building Strategies

6 Wealth Building Strategies

6 Wealth Building Strategies

6 Wealth Building Strategies – If you want to test out your own financial habits against some recommended wealth building strategies, the answers may help you to start to build wealth in your lifetime. How is it possible that an ordinary couple on ordinary income built extraordinary wealth becoming multi-millionaires and retiring in their fifties? This is the premise of the Automatic Millionaire by David Bach, one of 12 best-selling books in personal finance. The strategy he presents is not as far-fetched as the story appears. 6 Wealth Building Strategies. Slot Game Online.

Instead of focusing on growing your income, increasing your spending and looking rich, if you switch to saving money, investing wisely, you can become very rich – and sooner than you might think. It’s simple to read, but it seems difficult for people to implement in today’s increasingly materialism and credit-orientated culture. As a regular on the Oprah Winfrey show, David Bach is no stranger to the personal finance industry, at least in the US. But what sets him apart from many experts are the straightforward strategies he shows, which anyone can do to become debt free and build wealth in your lifetime. Slot Game Online.

Here are six questions you can ask yourself to kick off your own personal wealth building strategies and finish rich in your lifetime.

1. Do you want to be rich?

This is not a trick question. But the real question is to ask yourself WHY you want to be rich.
If you get clear on your goals, you wake up hungry to make it happen and you’re more likely to do the work and make the sacrifices to achieve them.

2. Do you pay yourself first?

This is the number one financial decision, but few of us do it and certainly we don’t do it automatically. When you earn a dollar, the first person who should get paid is YOU. Pay yourself first means put money aside for your taxes, your retirement accounts, your savings, many of which are tax free! The rule is to pay yourself one hour a day of your income – around 10-15% – invested automatically for life. (The average household actually puts away only 10 minutes worth of their earnings a day – around 2% – which is both shocking and scary.) Slot Game Online.

3. Do you know your Latte Factor?

The average American and probably European spends around $10 a day on incidental purchases, like buying a Latte and a pastry before, during and/or after work, maybe a pack of sandwiches or a salad and a drink over lunchtime. If it’s not that, it’s a magazine or an extra CD, grabbing some chocolate at the petrol station. That $10 a day amounts to $3600/year (assuming that somehow you will have a latte factor not just on weekdays but weekends too). Slot Game Online.

If you put that away instead, it really mounts up – and this will blow your mind. Calculate it through at say 8% annual growth, over 35 years, that is actually a staggering $1,385,505 – over a million dollars – for coffee! Wait five more years, and that would be an unbelievable $2,108,569. The strategy here is to become conscious of what your incidental ‘latte’ purchases are and reduce them or knock them out and instead pay yourself first with it. Slot Game Online.

4. Do you rent or own?

If paying yourself first is the number one financial decision. Then the number one investment decision is buying your own home. It’s the top wealth creation strategy you can use. Home owners have a net worth of 40-50 times more than people who rent. A secondary strategy is to pay your mortgage debt off as early by making over payments and thus saving enormous amounts of money on interest otherwise paid. Slot Game Online.

But a third arm to this is that once you’ve paid about half off. Use the equity to buy another property of the same value an rent it out. For a 15 year long fixed rate mortgage, the interest rates are as low as they will probably ever be. It is easier than ever to benefit and build wealth in your lifetime. In fact, using a bi-weekly payment plan could save you over six figures in interest over 15 years!

5. Do you have debt?

If you are going to work really hard to make money. Then you should make sure you have a plan to keep it! The only economy you can control is your personal economy. So reduce your debt by paying it off from the start and little by little. This is easier and less stressful than trying to pay off big lump sums. Slot Game Online.

6. Do you give back?

When your personal finances are stretched, it seems very hard to consider any level of tithing. But it’s a healthy habit and pays you back in so many ways. It’s another kind of wealth. When you feel happiness and satisfaction at a deeper level. You are far more open to opportunities you might otherwise never notice.

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The Secret to a Fruitful Business

The Secret to a Fruitful Business

The Secret to a Fruitful Business

The Secret to a Fruitful Business – For online businesses, learning to compete in a global marketplace presents certain specific challenges all its own. Learning to identify strategies that can keep your business competitive is the key toward ensuring your company has a productive and fruitful future. Slot Game Online.

For any business, beginning to accept credit cards as a means of payment can yield substantial increases in both the company’s customer base and its profits. But for online businesses, the need to accept credit cards is a critical component of any business that hopes to thrive. Or even continue to operate on the worldwide web. Slot Game Online.

Studies show more than 90 percent of customers who shop online use credit cards as the method to pay for their purchases. More than 90 percent. If you aren’t accepting credit cards at your online business, that’s a huge potential loss of customers – and profits. Slot Game Online.

Opening a merchant account

The vehicle that will allow you to accept credit cards for purchases of your business’ goods and services – is a simple process. And the fees associated with maintaining your merchant account are lower than ever before. When you decide the time is right to venture out and consider which merchant account services and options are right for your own online business, consider the following tips to help ensure you get the best account for your business’ needs:

Just what is an Internet merchant account?

Using special, proprietary software, an Internet merchant account helps process credit card transactions. Internet merchant accounts can be either real-time or delayed processing. Which one is best for your company depends on the amount of daily sales you expect. As well as how much involvement you want to have with your credit card transactions, and your overall budget. The advantages and disadvantages of each type of account are described below. Slot Game Online.

What steps are involved in processing credit card transactions?

In a real-time system. Then sent by an encrypted and secure connection to the card issuer. Most Internet merchant accounts use a special type of program, called a gateway provider, to aid in this process. The gateway provider can also serve as an added level of protection against fraud. During the processing, your merchant account may also use as address verification system. Or AVS as an added level of security. The card issuer determines if the account is active if it has been reported lost or stolen. There are enough funds in the account balance to cover the costs of the transaction. Slot Game Online.

No Red Flags

If there are no red flags, the card issuer assigns a unique transaction ID number. Later in the day, the merchant account tallies up the day’s receipts, deducts applicable daily and transaction-based fees. Then deposits the remainder into the business bank account. Slot Game Online.

In a delayed processing system, the customer enters the credit card information in the same way as before. The business owner or sales staff retrieves that information and then must enter it manually for processing. They are not a good choice for businesses expecting large daily sales volumes. For those who do not wish to be involved in processing their online transactions. Slot Game Online.

What equipment is needed for an Internet merchant account?

As noted, you’ll need an online shopping cart system, as well as a gateway service for real-time systems. Some merchant account providers use their own gateway providers, while others will require you to find one on your own. Opening a merchant account is the first step in accepting credit cards for your online business. Using these tips, you can choose an account provider that will help ensure your online venture is successful – and fruitful. Slot Game Online.

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Consider Choosing Camera Insurance

Consider Choosing Camera Insurance

Consider Choosing Camera Insurance

Consider Choosing Camera Insurance – Cameras enable us to capture the most memorable moments of our life. This is the reason many of us have at least one. A little negligence or mishandling can damage them. Hence, a sensible solution to safeguard your camera is to insure it with a right cover. As many insurance companies are offering different policies, it is necessary to understand the possible risks and the required protection for your camera. In this article, we will discuss on the things you need to consider before choosing a camera insurance policy. Slot Game Online.

Camera usage

Broadly, camera usage can be classified in to two types – personal and professional. Under personal usage, the camera is used purely for personal purposes, without any intention of making money. Even if you use a high-end professional camera, without making money, it cannot be considered professional usage. As part of professional usage, you use a camera to make money.
So, before opting for an insurance policy, be sure about your usage. Based on what kind of a photographer you are (as this determines the usage of camera) – amateur, semi-professional, or fully professional, there are different types of camera insurance policies. Slot Game Online.

Geographical/territorial limits

Many insurance companies offer camera insurance policies that have geographical restrictions. In case your camera has suffered damage outside the mentioned territorial limits of the insurance company, you are not eligible for claiming amount for the damage.

Imagine you were on a family tour. And while capturing some images, your camera fell down accidentally and stopped working. You may not bother much assuming that you have camera insurance to take care of this. But, when you call and report the same to the insurance company, their response may upset you. They may say that the insurance is applicable only if the accident happens in the city or country limits. Slot Game Online.

What all are included in the accidental damage?

At times, the insurance policies are very tricky. Though the policy claims that it offers cover to all possible accidental damages to the camera, in reality, the companies have a certain list of accidents, only for which the cover is applicable. Different companies include different accidents.
For instance, a general damage caused because of wear and tear, repairing, cleaning, and battery leakage, may not be considered and hence, makes the claim invalid. Be sure about the terms and conditions of accidental damage before purchasing the policy. Slot Game Online.

Theft coverage

Theft coverage is one more important thing to consider. As the chances of fraudulent claims are more when it comes to theft, insurance companies are a bit tough on claims related to theft. While, some companies may completely exclude theft coverage in the policy, some may include, but with conditions. Hence, be aware of the theft coverage before choosing the policy.

Other things to consider

In addition to above mentioned things, there are a few other points that are worth considering.
• Equipment cover: This cover is applicable to professional photographers who possess different camera accessories like additional lens, cover filters, tripods, lighting, flash equipment, etc. Besides offering cover to the body of the camera, if the policy offers cover to these accessories also, it would be beneficial. Slot Game Online.

  1. Public liability insurance: This would again help the professional photographers who own studios or those who perform photography sessions outdoors. Public liability helps them to save costs on the legal claims made by the injured public at the studio/outdoor shooting location due to photographer’s negligence. This insurance is for the studio owner and the cameraman, but not the camera.
  2. Equipment replacement: Camera replacement or ‘old for new’ are some of the schemes offered by the insurance companies. As they seem like a bait to attract the customers, one should be careful while considering these schemes. They can be considered to be useful to the policy holders, only if the terms and conditions are made transparent by the insurance company. Depending on the policy and specific conditions, the companies may replace your damaged camera with a new one.

You need to consider these points before choosing camera insurance. Approach a reliable broker to get a fair deal on your camera insurance policy. As he is a professional in this field, he understands the industry specific terminology and helps you choose the right policy. Slot Game Online.

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