5 Hobbies Life Insurance Companies Hate To Insure

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...

3 Traits that Engage Customers

It is easy to talk to people about your products, but it can be challenging to get them to listen. Most consumers are bombarded every day by messages from companies that are trying to sell them something. As a result, there are many efforts to make a sale that fall on disinterested ears. How can you make someone want to listen up? You have to engage them. There is not one way to engage customers. The dynamic between a business and its customers varies from one business to the next. In many cases, companies rely on extensive market research to...

Get Out of Debt with Debt Snowflaking: A Snowflake Saved is a Snowflake Earned

Just as it takes many small snowflakes to create a snowball, it takes many pennies to pay off thousands of pounds in debt. Snowballing debt is a debt reduction plan where you commit to paying a certain amount every month until you are debt-free. You don’t reduce your monthly payments as your debt decreases. This way those monthly payments take on a snowball effect. As your balance decreases so does your monthly interest charges. Your monthly payment then increasingly goes towards your principal balances. Much like a snowball that gets bigger and picks up momentum as it rolls downhill, your...

A Quick Guide for Improving Credit Card Score Forever

The world has changed. And so has the way of using your credit card. Whatever you do, your credit card score is the thing that is first checked. Your borrowing history is analyzed and what not. A bad credit score is a provider of much stress, tension and despair, especially for shoppers. But like all things good and bad, the reign of a bad credit will end. And there are ways you can axe it and start depending on your credit card again. • Without knowing what aspects of your credit card you need to fix, you cannot improve your...

How to Avoid Having a Home Loan Declined

Getting all the information together for a mortgage can be gruelling, especially when a mortgage lender tells you that their lending institution is unable to approve your property loan. This can leave you devastated and filled with disappointment. It’s natural to wonder why you were denied a loan. Lending institutions have stricter standards in place today making it difficult for consumers to obtain a mortgage. It’s important to do your research and educate yourself about how the lending process works so that you can look your best to prospective lenders. Here are five examples of why a bank may be...

6 Things You Can Do Post-Retirement to Make Money

Almost all of us start saving money when we start earning so that we can accumulate a handsome amount and use it to live our post retirement life in a lavish manner. If you are a government worker, you will have an automated monthly pension. But, if you do not want to be all idle in your retirement years then you can generate income in a way which is not hectic, is enjoyable and can complement your savings. As a freelancer, you have a treasure chest full of opportunities. We’ll look at six of those. 1. Be a Freelance Consultant...

Why The Snowball Method Is Flawed – And How You Can Motivate Yourself Instead

As you might have heard, there are numerous advocates these days of the “debt snowball” method. This method entails paying of your various debts in order from smallest from largest. Here’s how it works: when you sit down to pay your bills, you lay out all your obligations from smallest to largest. Then, you pay the minimum balances on the larger debts while contributing as much as you can to the smallest balances. Once the smallest ones have been repaid in full you move on to the larger ones, in the process “snowballing” your debt by gradually tackling more substantial...

How to Get Rid of Your Student Loan

Student loans can bug you for a long time. You would take a student loan for getting an admission into a top university or a business school. But these educational institutions are expensive and paying off your loan debt can be a headache. And it so happens that after you complete your course and start working you wouldn’t be in a position to clear the loan debt. This is when more pressure is piled upon by the loan authorities. But there are ways of getting rid of your student loan. 1. Paying the loan amount on time is the simplest...

How to Forecast Profitable Stock Options

Before investing in the stock market you need to be well versed with two aspects of the market; how it works and how you can make it work for you. Understanding the stock market is necessary. Before you invest in any company, you must look at its current success and speculate its future growth and success. One must learn how to forecast profitable stock options and invest in them. In order to have a fool proof strategy, information about stock option trading is necessary. There is a lot that you can do with the stock options at your disposal. It...

All About Credit Ratings

Credit ratings are probably the most misunderstood of all financial products (excluding, perhaps, the recent debacle with PPI). Most people assume that there’s some sort of score next to your name somewhere out there in the world of financial institutions, but it’s not strictly true. There are ways of finding out your credit rating, but it’s not all you need to consider when applying to borrow money. That said your credit rating probably is the most important factor to whether you get a loan, or a mortgage, or a credit card approved, which prompts the immediate question: But how do...

7 Proven Productivity Tips for Every Aspiring Entrepreneur

An Entrepreneur – we all have associated this word with ourselves if we try to create our own path to success. But what defines an Entrepreneur? And what is the meaning of ‘definition?’ A definition is given by bringing together the qualities of that particular word. In the case of an entrepreneur, there are unique qualities which are brought together and form the word. If you lack any of these qualities, then you dissolve the word Entrepreneur and over time you are tagged as a wantrepreneur – someone who wanted or wants to be an Entrepreneur but never can or...

More Taxes for the Rich is Not the Right Answer

If four years of unfulfilled promises, inactive initiatives and the NDAA proposal weren’t enough, Mr. Barack Obama, our American Republic’s proudly chosen President/Orator has brought in more controversy this year. And yet he is confident enough of winning the coming elections and be re-elected as President. Well, if the American public hasn’t learned anything from the Bush Administration, he surely will. An estimated 45 million viewers in America were expected to tune into President Obama’s budget proposal for the year 2013. And this included the buzzing controversy that is around, he has proposed an inclusion of a new tax law,...

Identifying Promising Land for Future Establishments

Business is not a one man show. Business is exchange of commodities for money. Business is vast and has a lot of opportunities. And for turning these opportunities into profits, one need to find a place that will be most useful to the business, from transport to customer inflow. The mistake new businesses usually commit is that they establish their businesses in locations which are not suitable for their kind of business. Selecting a land which does not provide proper water, electricity, and transport facilities, which is surrounded by a public which does not appreciate that particular type of business,...

How to Make Your Income Recession Proof in 2012

When recession hits, it takes everything down with it – pass time, money, work, and morale. Money isn’t everything, yes, but money does mean more than something, it acts as a catalyst to everything that you do around you. If you haven’t the money in your pocket, you can’t even start a bee business, yield honey and stock it. And in times of recession, the first thing you want to do is to pile up as much money as possible, to receive an amount of income that will keep you away from the heat of inflation and fulfill at least...

Everything you need to know about Cyprus tax system

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...

6 (Multi-Billion Dollar) Business Building Lessons I Learnt from Steve Jobs

Steve Jobs, even though he isn’t with us anymore, has left a mark in this world, especially on those who want to go against the public flow, against the daily dose of orders, against the boring and monotonous work related ideas. The ideals of Steve Jobs have been the cornerstone for many aspiring Entrepreneurs. He has always been a voice of the creative minded. Everything he did, he gave utmost importance to style. Be it his products, graphics, fonts or his way of organizing things, he did it all with style. His thinking is that while giving preference to matter,...

Housing is as Cheap as Ever; Landing the Best Mortgage Rates

If you’re looking forward to buy a home but cannot arrange the total payment for one time purchase, then going for a mortgage is the right choice. A mortgage, popularly known as home loan, is a popular option in the United States and elsewhere. And the option of mortgage is becoming more and more popular yet tedious to use because of the home market which has gone for a slump. Banks are unwilling when asked for a mortgage loan. They do not want to risk money on mortgages and are utterly defiant. To solve this mortgage crisis, you need to...

A Simple Method For Determining How Much Money You Need At Retirement

If you don’t save money for your retirement, you could end up helpless and dependent on other people in your old age. Fortunately, there is a simple way to figure out how much money you need to save for retirement that does not require a lot of complex formulas or assumptions on your part. First, add up all of your current expenses and financial liabilities. Next, add up all of your future expected liabilities. For example, if you expect to take care of your spouse in her old age, then you would need to adjust your liabilities to assume that...

How to Make Money Work for You like Robert Kiyosaki

Robert Kiyosaki is an American businessman most famous for his bestselling book – Rich Dad, Poor Dad. In addition to this global bestseller, Robert Kiyosaki has authored over a dozen books. These books talk about taxes, how to invest in real estate, small and big businesses and other money related topics. But Rich Dad, Poor Dad has been his most influential and bestselling book and this book is the catalyst behind his immense fame. “We go to school to learn to work hard for money. I write books and create products that teach people how to have money work hard...

How to Exchange Currencies at The Best Rates for Your Business

In this guest post I’d like to share some tips to help your maximize your exchange rate, when you change currencies for your business. If you’ve spent any time at all watching the exchange rates, you’ll already know that predicting the rates is not that different to gambling. There are so many countless factors influencing the markets at any one time, guessing right which way things are going to go is as much about luck as skill. For instance, right now things affecting the US dollar are as diverse as: the Republican presidential nomination, improving US auto-sales, the likelihood that...

How to Reassess Your Financial Planning to Ensure Safe Post-Retirement Life

I’m getting excited for Spring to get here and start enjoying the outdoors in beautiful Colorado. But Summer days aren’t about not having school anymore. I have been thinking and preparing my retirement a lot lately and I need to keep focused on creating income generating assets. I hope you find my research as useful as it is to me. Have you planned your retirement? Have you tried to assess your financial condition relating to your retirement? Do you have in your mind that retirement planning is to be done even when your retirement age or are at the borderline...

The Wall Street’s List for Investing Money in 2012

The Wall Street releases a list every year to guide investors to invest in companies which have the highest possibilities of turning your investments into more valuable assets. For this it sets up a panel of expert strategists who give their take on the market. This list is a quick guidance for the companies you should invest in. And hence, this year’s Wall Street list is as follows – List of the Names of Strategists on the Panel • Richard Bernstein – CEO and Chief Investment Officer, Richard Bernstein Advisors • Dan Chung – CEO and Chief Investment Officer, Fred...

Grabbing funds during Market Meltdowns: Some magical tips

The unpredictable nature of markets can perplex even the smartest of brains, doubting the basic ethics which are significant to its functioning. Just when you get accustomed and attuned to the happenings around, there is an abrupt u-turn countering your judgment. Making hay when the sun shines seems to be the best policy, but what actually seems obligatory is making hay even when the sun does not shine. You live in a practical world where you are uncertain of the next moment’s state of affairs. But that does not mean that you refrain from the zeal to place your ambition...

Don’t Play the Lotto; Play the Game of Money

Lotto. Yes, Lotto. It is something that you love to take a shot at. But the Lotto is like a Leprechaun. Even if you finally win a lottery, you’ll probably lose all the money, in the coming years. The lottery is risky and the chances of you winning are so less that even being struck by lightning is more of a probability. Everyone starts with the small lotteries. They go for $1 lottery or $3 lottery, and soon they feel that they must go for the bigger ones. That is when the ‘Win it all or Lose it all’ is...