Spread betting, a form of gambling, is legal in only four of the United States. This could change if only the Professional Amateur Sports Protection Act of 1993 could be circumvented, as several states are attempting to do. This would allow U.S. citizens to reap the rich rewards available. Although 90 percent of trades fail, there is no shortage of stories of success in spread betting that might cause you to take advantage of one of the many spread betting offers available from major spread betting companies such as Cantor, and start trading for yourself. 37 year-old Michael Pierce from...
Regardless of how they’re caused, injuries can be costly. At their most serious, they may force you to at least temporarily leave work, and could result in expensive medical bills. However, there is a way in which you can at least partially meet the cost of being injured, providing it wasn’t your fault that you suffered said injury in the first place. It’s possible to make a claim for compensation with legal help from a lawyer or solicitor who knows the ins and outs of law relating to personal injuries. However, making a claim can be a long and potentially...
Looking after your money is something you should do from the moment you gain financial independence from parents. Whether it’s working out how much you have to spend on the basics like food, rent and utility bills or saving money for a new house or to help fund your retirement, knowing where every single penny you earn goes is vital for the future of yourself and your family. However, you’ll also want to know what happens to your money if something bad were to happen to you. In order to guard yourself against any sudden injury, serious illness or even...
Location Once you have made the decision to work from home, the next step is to decide where your home office should be set up. Perhaps you have a spare room with enough space for your desk and any other equipment you may need. If possible, try to remove any clutter from the room to create an inviting and stimulating workspace.If you do not have a spare room, give some thought to how you will be using your home office. Will you be inviting clients to your home? Then you should set up your workspace as close to the front...
When it comes to life insurance, the choices on what type of policy to get can be perplexing. How do you know what type of policy is right for you? How do you know the type of coverage you will want or need? It is not a topic many people like to discuss, but is a major decision that everyone has to make in life. However, with a little knowledge on the basics, selecting the right life insurance policy for your needs is simple. Let’s take a look at the different types of policies and what they offer. Term Life...
Are you worried about having the financial security to live comfortably? Do you have enough assets to leave something to your spouse, children or grandchildren when the time comes that you are no longer living? Do you have good health? Are you someone that wants to live the rest of your life in the comfort of your own home? Do you want to depend on others in order to accomplish everyday tasks? Do you have proper insurance? Are you a baby boomer? It’s not something that most of us want to think about but, the reality is, there’s no way...
Ask any business owner in a small or mid-sized town, and you’re likely to hear a similar version of the same story: times are tough. A struggling economy has officially hit cities large and small all across America, and Main Street, USA has the empty storefronts to prove it. Running a successful retail business is notoriously hard work – a task turned doubly hard when the average American has less disposable income at their fingertips than any time in recent history. Shopping malls and super centers filled to capacity with cheaply made products boasting even cheaper price tags seem to...
Sometimes people feel backed in a corner with a tremendous amount of debt. They might have school loans, several credit cards and a car payment on top of the expense of raising a family and paying the mortgage. When people are stressed with late payments, they reach for the first cash solution that will solve the immediate problem. Unfortunately, quick decisions to reduce monthly payments can cause greater harm in the future. Here are three seeming money savers that ruin finances: Quickly Trying to Lower That Mortgage Banks advertise that mortgage rates are among the lowest in history, an appetizer...
Are you worried because you’ve not got the promotion you wanted? Does your manager always tap on your peer’s back when he does something and not on yours? Well, there are many like you. The problem does not lie in the work you do or your ability to excel, the problem lies in the way you leverage your skills and grow in a team environment. Learning the best ways to outperform your colleagues to become the darling of your manager and ultimately excelling at your life long company. Be Curious The proverb curiosity killed the cat doesn’t apply at your...
Life insurance companies have the daunting task of insuring individuals who may or may not practice the safest or sanest of occupations, hobbies or extra curricular activities. Yet it is their job to do so at cost of course. It stands to reason that if you play with fire, you might burned and as such if your hobby is one that makes life insurance companies hearts skip a beat, your premium and overall rate might sky dive as well. Below we look at five fun and thrilling hobbies that some individuals take up that insurance companies are not so thrilled...
Cyprus, by virtue of its exceptionally advantageous tax system, is emerging as the most favoured jurisdiction in Europe to conduct international business from. There is a uniform Corporation Tax Rate at 10%, which is the lowest in European Union and there is no distinction anymore between local and international companies. The maximum tax rate for resident individuals is 35%. The old, complex tax regime was replaced by a new system that eliminates discrimination and differential treatment between different categories of business and is simple and transparent. In addition the increase in the rate of VAT to 15% (still the lowest...
As your parents advance in age, there may come a time when your help is needed in assisting one or both of them in managing their finances. Poor health, difficulty getting around, and the death of a spouse are just some of the life-altering challenges that would make it difficult to keep finances in order. If your parents could use your help, it’s time to take all of the financial advice they passed on to you once upon a time and put it to good use. Not sure where to start? Gathered for you here are some tips and suggestions...
If you have been investing in an IRA, a 401k, retirement annuities, or a college savings plan than you most likely already know about the tax breaks that you can get for these investments. But are you aware of the tax breaks that are possible for other investments? When it comes to tax time it is important that you are taking advantage of all the itemized deductions that you can. Remember, we all have a silent partner when it comes to our taxable investments. That partner is Uncle Sam and no matter what you do he is going to take...
If you have a child in college or on the way to college, you’re well aware of the cost of higher education. Although you may have had the foresight to put aside some money for your child’s years in college, it probably won’t be enough. The alternative is to borrow the money, and it really doesn’t matter if the loan is in your child’s name or in yours, it’s going to be expensive. These tips on financial aid may help. Saving Money The best way to ensure that your child gets a college education is for you to save the...
Power of information goes unchallenged in the new age as all of us are aware in today’s time how information can actually make one rich. And that is what Congress is using to exploit the average citizens in America. Some members of the Congress are minting money by using non-public information to their own stock trading interests and making personal profits on its basis. Congress representatives in the House are trying their best to fend off the allegation, but the fact still remains that many lawmakers whom we have elected to the seats have taken up the designation of lawbreakers...
If you’re in the insurance business, you’ve undoubtedly heard the term reinsurance uttered amongst your business colleagues. You may have wondered what it meant and perhaps even what it could mean for your company. The fact is that despite recent worldwide economic downturn, the financial outlook for reinsurers remains promising. If you haven’t already, now is a great time to learn more about the reinsurance industry and what it could mean for your business. What Is Reinsurance? In simple terms, reinsurance is “insurance for insurance companies”. Reinsurance occurs when two or more insurance companies enter into a reinsurance agreement. Reinsurance...
You can embark on a smart financial journey by refinancing your mortgage through the proper steps. Refinancing a mortgage involves taking out a new loan from the bank to pay off the existing mortgage on your home. To put it in simple terms, in case of mortgage refinancing a second loan is done to clear an already existing loan on house or the mortgage. There can be diverse motives behind refinancing mortgage. Some people refinance mortgage to get a lower rate of interest which would, in its turn, cause a reduction in the overall interest they are to pay, thereby...
It is important for people to learn how to invest for income so that they don’t get any financial trouble in the future. Money easily gets used up when one earns a salary and they don’t invest it because there will be temptations to spend it all. However there are very many tips available on the best ways in which one can invest for their income. Therefore, before making a decision on how to invest, each individual should make sure that they research on the best methods of investing so that there are no regrets later. For successful investment, the...
