No-one wants to be in debt, but the reality is that most people will have to borrow money at some point during their lifetime. You cannot underestimate the importance of a sensible loan repayment service that is integrated within a loan facilitator. It is vital to plan your debts in order to avoid costly penalties. Be Honest Many people with lots of different debts, including secured and unsecured loans, credit card debt and overdrafts, don’t want to face up to how much they actually owe. However, if you’re honest about this you can start planning a strategy for dealing with...
A new year is around the corner, once Christmas is out of the way it’s always How can you make your hard-earned money work hard for you? If you are thinking about investing, here are four options worth considering: Investing in the stock market – Although not without risk, as shares can go down as well as up, this type of investment is traditionally a strong long-term option. A good return in the short-term is rare, but if you are patient and you are in it for the long run, investing in the stock market after the Global Financial Crisis...
Looking at the changing role of risk management and how people from a variety of sectors and backgrounds are beginning to accept the value of effective risk management strategy across numerous settings. How the strategy has infiltrated everything from cyber security to tackling poverty in recent times and asking where else it can be used within modern society. There so many new factors which have to be considered in risk management assessments now, such as social media, that didn’t exist years ago. Does this make the initial assessment process tougher? Are risk management strategies becoming more popular? Many people probably...
Many people hear the phrase “offshore banking”, and don’t know what that means, or they don’t know that it can help individual people as much as it can help large corporations. But there are many benefits to using an offshore bank. One of the biggest benefits is that since most offshore banks operate in countries with fewer taxes, accounts in these banks will pay interest without seeing taxes deducted from it, making this a good option for those who don’t need to pay taxes on global income. Also, interest rates are sometimes higher with offshore bank accounts, offering better returns...
These days, people are looking for different ways to make extra money. Some people take part-time jobs, some people start a side business, and other people sell some of their excess stuff. One of the best ways to make some extra cash is by selling DVDs, CDs, and games over the Internet. This is an easy way to get needed cash quickly. There are many ways to sell these items over the Internet, but increasingly people are turning to large online companies that buy such items. These companies typically buy most DVDs, CDs, and games. The prices they pay are...
For fund managers, financial advisers, and Registered Investment Advisors, getting a holistic view of the risk/reward value of all the assets under management has not been easy. A great deal of the portfolio management software currently available is still somewhat “clunky”: customized spreadsheets cobbled-together with various specialized programs, some of which depend on data uploaded from public sources. “In the past most portfolio management software has largely been accountant-driven,” explains Daniel Rotherford, investment fund officer at Legal & General Unit Trust. “But fund managers gain immensely from a global view what is happening throughout their holdings. This is now much...
There are so many fun ways to spend money. With a smartphone and a $5000 credit limit, you can buy a diamond encrusted Bluetooth headset without ever having to get up from your bar stool. Wants and needs can be hard to tell apart, but it’s time to come down from the consumption-induced high and realize that you didn’t really need the gold plated staples or the Jedi bathrobe. Don’t succumb to feeling guilty. Shame about where your priorities were in the past isn’t going to help you now. Focus instead on changing your habits today. Here are a few...
It seems some companies will go to great lengths to find ways to generate additional income. Some may use ethical means, such as diversifying products and/or services or slightly raising prices with fair warning to customers. Then, there are those who resort to sneaky, unethical tactics to boost income quickly. Although I will not name the corporations involved, I will provide you with real-life examples of some billing “scams” by well-known companies – two of which you probably either use or, at the very least, see their commercials on television everyday. My opinion is that when most people get a...
As a small business owner, I’m always looking for ideas on how to improve my service and save money. It wasn’t until I received an email from a company promoting a service that would buy back my old video games that I asked myself why I wasn’t using this marketing method. Needless to say, I used this service to sell video games, which prompted me to look into how I could use email marketing on my own terms to grow my business. More than anything, I wanted to know–if that service could hook me as a customer with a simple...
