earn-extra-money-by-taking-part-in-surveys

Earn Extra Money By Taking Part In Surveys

Writen by Steve Hill

Are you looking into ways of making a little bit of extra money? In this article I write about a method my family has recently heard about which has helped us to pay some of those unwanted bills. This is by taking part in different surveys for a range of companies who are looking to find out more about their customers or potential customers. You may think just like I did that this would hardly be worth your time or effort, however you may be surprised when you realise you much these companies are willing to pay.

A few days ago a friend of my step-daughters came round to our house to play. They are both twelve years of age and have known each other since primary school. This friend also stopped at our house for her evening meal and while at the dining table, eating her food, she started up quite an interesting conversation. She asked my step-daughter if she would be interested in joining her to take part in a survey which would be about the subject of childrens banking.

I started to ask this girl, who is called Emma, what would be involved. Emma replied that a lady would be going round to her house on Saturday morning and would be asking her a series of questions about banking, for example who she banks with and how much money she attempts to save as a twelve year old. She continued that the meeting would last around an hour and a half for which she would be paid

the-multifaceted-unsecured-loan

The Multi-faceted Unsecured Loan

Writen by John Carry

Perhaps you need a loan amidst the heavy expenses and cash demands. An unsecured loan can provides means for individuals like you who seek money to meet a variety of financial requirements. You can also take them out to improve your credit scores and ratings. An unsecured loan is available to anyone and everyone provided they produce personal information.

You can also resolve the debt problem with an unsecured loan and lower down your monthly instalment by consolidating the multiple debts and making them one single repayment unit. Consolidating various debts into one monthly payment will save your time and money as the repayment tenure extends.

By availing this option, you will end up improving your credit rating and qualify for receiving better rates of interest and policies from the lender. You can harness the benefit most if you have a poor or blemished credit record. A good credit score plays an important role especially when you are purchasing a home, vehicle, or taking out a loan for any other purpose.

The unsecured loan for debt consolidation is an excellent reason to apply when you find it difficult to manage various credit card bills, loans, and a variety of expenses that have recently started overwhelming you. An unsecured loan for debt consolidation provides you with an opportunity to pay off those expenses in turn for one monthly payment toward the payments. This often saves your money as the interest rates on credit cards are often very high.

Besides, your improved credit score is an excellent reason to apply for the unsecured loan as you virtually freed yourself from the burden of managing various debts at a time. Moreover, you get the opportunity to raise cash in times of needs when the resources become limited. You can take out an unsecured loan in times of high priority urgency like the medical expenses or any unforeseen incident that demands cash to be sorted out.

Therefore, take the advantage of an unsecured loan and stabilize yourself financially to meet all the challenges of life that calls for money. Also, spend time on the net to find a good offer in terms of APR and repayment tenure. High time to start breathing easy again!

4-kinds-of-good-debt

4 Kinds of Good Debt

Writen by Dave Galahad

Debt is a lot like cholesterol. Some debt is good and too much bad debt will make your life miserable. Through our financial lives, it’s only the good debt that we want to allow on our balance sheet. Good debt improves our lives over the course of time. Here are 4 types of good debt.

Real Estate
Real estate is the cornerstone of much wealth in the US. For most of us, our homes will be the largest and most valuable asset we’ll own. Unless you’ve “come into money” chances are good that you are going to have to take out a mortgage to pay for your home. This is considered good debt because you’re buying an asset that should increase in value over time.

Investment Real Estate
Right along with your home, owning rental property can be very lucrative. If you have the chance to purchase a rental property and then rent it to someone for a monthly payment larger than your mortgage payment, jump at the chance. That’s a great way to build wealth and generate income.

Education
It is impossible to put a value on a college degree. With a college degree, the money you earn over your career will eventually make the cost of school pail in comparison. There are always going to be stories about people without college educations “making it big” somehow. Those people are the exception rather than the rule. Get as much education as you can. You’ll earn more as a result.

Cars
The thought of borrowing money to pay for something that begins to lose value as soon as you have the keys in your hand seems to go against the “good debt” principal. However, we need a car to get to our jobs, and get other things done in our daily lives. If you buy your car the right way, it can be an asset to you and not a big financial drain. When you buy a car, go for the largest payment you can over a two year period and look for a car that will fit that schedule.

guaranteed-issue-life-insurance

Guaranteed Issue Life Insurance

Writen by Ivon T. Hughes

Helping the “uninsurable” secure coverage is challenging. Clients who have health problems or have been denied coverage in the past still need life insurance. One option is guaranteed issue life insurance. Given the high risk nature of coverage, few insurers offer it. However with a little preparation and extra effort, you can find the right policy.

Life Insurance Medical Questions

High risk clients need to answer questions about their medical history so that you get the information you need to find the right coverage. Candidates for guaranteed life policies often:

- have permanent health problems

- need coverage to leave a legacy or to provide for final expenses so that their loved ones are left with no debt.

Guaranteed Issue Life

Guaranteed issue policies do not require a physical and preexisting medical conditions usually are not a factor in the application process. Often such applications require only general information, such as name, address, ID number, gender and beneficiary.

The death benefit generally pays the beneficiary full face value if death occurs after the waiting period. Policies typically specify a period of one to 3 years during which time the policyholder will not be covered for the full amount. If death occurs during this time frame, the beneficiary would likely only receive a return of all premiums paid with interest. However, if the insured has a fatal accident, most companies will pay the beneficiary the full amount.

There are pluses and minuses that come with guaranteed issue policies. Some advantages include:

1. no medical evaluations

2. a level death benefit that is guaranteed as long as premiums are paid

3. premiums will not increase

4. the policy proceeds are usually free of estate tax

5. policies usually avoid probate if a beneficiary is named

On the other hand, you and your clients may have concerns about the following:

- guaranteed issue policies can be costly

- waiting periods can be lengthy - up to 3 years

- if the client is willing to provide some medical information, he/she may be able to purchase a different type of coverage that might be cheaper.

If the disadvantages outweigh the advantages for a particular client, an easy issue policy is a better choice. Such policies offer the full face value starting from the date of issue. These policies may work best for those who are under the age 40, need full benefits immediately have been without disease for the last five to ten years, or have a minor illness.

The “uninsurable” face many difficult planning decisions, but everyone needs the protection coverage that life insurance offers. With guaranteed issue policies, approval may just be simple steps away.

wash-who

Wash Who?

Writen by Isha Edwards

Touting “The end of traditional banking,” Washington Mutual took its brand primetime earlier this year with commercial advertising. In addition to providing standard banking and financial services, “WaMu” as it is known, is helping to redefine banking by making “free” accounts, free.

WaMu’s goal is to deliver products and services that “offer great value and friendly service.” Their core values include being fair, caring, human, dynamic, and driven. Change Sciences partner, Steve Ellis affirms the Banks’ success: "Most people see banking as drudgery. The best banks are working hard to create a kinder, friendlier experience online — and Washington Mutual has pulled ahead of the others in doing this."

Even though it has just over 2,600 branches, WaMu is experienced. The bank has been around since 1889. Within the past year, WaMu began saturating the market with strategically located retail outlets. From Frankfort, Illinois to Bronx, New York, WaMu’s brand has become as visible as mainstay banks for each region. In the Atlanta market for example, WaMu retail outlets now stand in tandem with competitors Wachovia, Bank of America, and SunTrust who have dominated the local market for more than ten years.

Like online bank, ING Direct, WaMu appeals to the price conscious consumer who has not yet developed brand loyalty. Now more likely to read fine print, consumers readily compare service options to determine what is really “free.” News for top tier banks, WaMu and banks with similar business models make sense for next generation bankers who want more than a lifelong money vacuum. If premier banks do not mind their Ps and Qs, they will soon be chanting, “Wash who?” while consumers echo back WaMu.

free-government-grants

Free Government Grants

Writen by John D Miller

Are you interested in taking advantage of free government grant programs? If so then don’t even think about searching another grant website or wasting your money on another grant seeking product until you read this free government grants article!

Government grant programs allow you to take advantage of grants by either receiving the free services they offer or directly receiving the money in the form of a check. It all depends on what type of assistance you are seeking and whether or not you meet the grant programs eligibility requirements.

Government grant programs help fund a variety of special causes including home ownership, starting or expanding a business, higher education, health care, and much more.

Here are a few examples. Let’s say you apply for and are awarded an education grant, let’s say a Pell grant. The award is not sent directly to your house like some marketers want you to think. Instead it is sent to your college where it is deducted from your tuition.

The same applies to most government grant programs. Do you want to take advantage of debt relief programs? If so there are free organizations that can provide you with free debt relief assistance. Government grants are sent to these organizations so the organizations can consolidate your debt and reduce your payments, all for free.

Do you want to take advantage of free business grants? If so then you can take advantage of the free business consultation services and loans that are funded by theses business grant programs. Some states also offer grants that are awarded directly to businesses that can hire a lot of people.

Interested in receiving housing assistance such as money for your rent? If you meet the grant programs eligibility requirements then you can get the money sent directly to your landlord and you get free rent. It’s also the same for emergency mortgage payment grant programs.

These are just a few examples on how free government grants work. For more information on free government grants, loans, and scholarships, including free information on private grants and private scholarships, please visit our homepage!

Click here for complete details on free government grants.

accounting-police-do-they-exist

Accounting Police: Do They Exist?

Writen by John Day

Who created accounting principles? Who sets and revises accounting standards? What if you don’t follow all the rules, do you go to jail? Is there an accounting police force that investigates and arrests violators? It would seem that there must be some regulatory force to make sure that providers of financial statements conform to the rules. There is, up to a point, and here is how it works:

Mainly, it’s all voluntary and it works pretty well. First, double-entry accounting originated in Italy in the 1400’s, so its been around awhile. Accounting principles have evolved over the years just as have accounting standards. The reason why the system works is that the business community could not function if there was not commonality and consistency in financial statement reporting. It would be chaos, much like if there were no driving rules of the road.

Therefore, in the United States, a body of experts known as the Financial Accounting Standards Board (FASB pronounced Fasbee) was established in 1973, which superseded another board called the Accounting Principles Board (APB). The FASB members go through a lengthy process of analyzing and reviewing problems in the accounting field that are brought to them. After much thought, they will make a pronouncement as to what they think the new or revised way of approaching the treatment of an accounting issue should be.

They are a non-governmental organization that has private financing. A big supporter of FASB is the American Institute of Certified Public Accountants (AICPA). Many Certified Public Accountants (CPAs) belong to this prestigious organization and are obligated to abide by its guidelines and principles of behavior. Other countries no doubt have similar organizations that require high levels of accounting professional conduct.

FASB established an accounting code called “Generally Accepted Accounting Principles” or (GAAP). The assumption is that if a business financial statement is prepared according to GAAP, then the user of that financial statement could rely on or trust the information more readily than if not prepared according to GAAP. Those businesses that deviate from GAAP, and many smaller businesses do, cannot say that their statements are prepared under GAAP; in fact, they should inform the reader that they are not. However, let the buyer beware.

One governmental body that has a policing function is the Securities Exchange Commission (SEC). It is primarily concerned with public companies because their job is to protect investors from unscrupulous acts. Recently, the SEC has gotten into the act of establishing accounting standards. It has its hands full today.

Since most businesses use their financial statements to prepare their required income tax returns, the Internal Revenue Service (IRS) may audit those tax returns and review the financial statements upon which the tax returns are based. Not following the rules can get you in trouble with this governmental body.

You can see that in many ways compliance to the principles and standards is a mixture of voluntary and regulatory behavior. Currently, there is an effort underway to set international accounting standards due to the inexorable globalization process. This is a massive undertaking that will take years, but it is obviously necessary and inevitable.

assetbased-lending-more-than-lastresort-business-financing

Asset-Based Lending: More than Last-Resort Business Financing

Writen by David Springer

While asset-based lending may often be considered “last-resort” funding, commercial borrowers of all types and sizes are using this flexible, cost-effective financing to meet their cash flow needs.

In fact, asset-based lending is a $200-billion-plus market, according to the Commercial Finance Association. Users of asset-based lending span a broad range of industries, with manufacturers representing approximately 31% of the total marketplace, followed by wholesalers (28%), and retailers (17%). Based on revenues, the bulk of these borrowers (71%) are under $50 million in size.

The attraction to asset-based lending is obvious. This versatile, cost-efficient debt instrument provides more flexibility than many other forms of traditional financing. Moreover, asset-based lending can provide borrowers with enhanced operational flexibility through all phases of the business cycle.

Understanding Asset-Based Lending

The concept of asset-based lending is relative straightforward: It’s simply a business loan or line of credit secured by some type of collateral. The collateral can be any asset the borrower uses in the conduct of his or her business. If the loan or credit line isn’t repayed, the asset is taken.

Also called commercial finance, asset-based lending is typically secured by accounts receivables and, less often, inventory. Lenders favor receivables because they are among the most liquid assets, and they’re less susceptible to “shrinkage”, physical damage and other problems faced by tangible assets.

Accounts receivables that are eligible for asset-based lending generally include receivables from completed sales. Older receivables-those more than 90 days from invoice-and foreign receivables are usually considered ineligible. Eligible inventory typically includes all finished goods and marketable raw materials. Excluded from the list of eligible inventory are works-in-progress, slow-moving or obsolete inventory, and inventory on consignment with customers.

Fixed assets, such as machinery, equipment and real estate, also can be used as collateral against asset-based lending. Companies frequently use fixed assets as the borrowing base for a loan where the payments, schedule and term are pre-set. In addition, non-traditional assets like trade names and intellectual property may be eligible as collateral on a case-by-case basis.

A Different Option than Traditional Cash Flow Financing

Asset-based lending is distinctly different from traditional, cash flow-based financing. It matches a company’s assets to its borrowing needs. And unlike convention cash flow financing, asset-based lending doesn’t rely on balance sheet ratios and cash flow projections as loan criteria.

Instead, asset-based lending uses the borrower’s business assets as its primary focus for lending. It evaluates a company’s asset coverage, liquidity and, to some degree, the borrower’s ability to service their debt. Thus, the quality of the collateral becomes the principle determining factor of creditworthiness.

Asset-based lending gives financing companies the benefit of liquid assets to protect their loan, thus these loans place less reliance on the borrower’s operating performance. And as one would imagine, the interest rates on asset-based loans are generally less than those on unsecured financing.

How Asset-Based Lending Works

In essence, asset-based lending provides companies with cash by lending on fixed assets. The borrowing capacity is geared to the amount, quality and liquidity of the asset being used as collateral. For example, the current assets of accounts receivables could serve as the borrowing base for a revolving credit line that could be drawn down and repaid. This can help a company accelerate cash flow by enabling it to borrow against the future value of current assets expected to become cash in the near term. In turn, the company could use the borrowed funds to finance working capital to meet operational and other needs.

Businesses frequently use asset-based lending to fund acquisitions. And it’s actually possible to use the assets of the company being acquired to finance the acquisition. Many companies also use asset-based lending to grow their business. A revolving credit line, for instance, can provide borrowers with a great deal of flexibility and borrowing capacity from its existing asset base. Moreover, an asset-based lending solution can be designed to “grow” with the company. For instance, a revolving credit option could be developed to provide a higher credit limit as the business increases its borrowing base. So, as the company’s needs and collateral grow, so does its ability to borrow.

In addition to funding acquisitions and growth, asset-based lending is also used to provide operating capital for meeting payroll, building inventory, consolidating debt and financing equipment. When should a company pursue asset-based lending to meet its operational and expansion needs? Suitable situations might be when:

- Operating cash is tied up in receivables
- Sales growth is straining resources
- Seasonality peaks cause problems
- Inventory levels are high due to client demands
- The best trade terms for supplies create cash flow shortages
- Trade discounts and special pricing terms cannot be obtained
- Letters of credit are required to supply or buy overseas
- No fixed assets are available for collateral

Almost any business with tangible assets and qualified management can take advantage of asset-based lending to meet its cash flow needs. Borrowers don’t have to be profitable or have a minimum net worth. And there’s no such thing as a company being too small or too new to “collaterize” their assets.

Asset-based lenders are willing to advance funds when traditional sources won’t, and may grant credit that’s more than the net worth of the business. Lenders typically fund businesses with annual sales less than $250,000 to more than $1 billion. Credit is ultimately hinges on the type of business and collateral provided. And the financing charge for asset-based lending is determined by the credit risk and collateral associated with the transaction. Compared to other financing options available today, asset-based based lending is a flexible, cost-effective solution for companies needing to enhance cash flow.

top-tips-to-get-what-you-pay-for-online

Top Tips to Get What You Pay For Online

Writen by Willett Thomas

It seems like only a few years ago, when shopping online was akin to the wild, wild West — limited to use by those with true grit and an adventurous spirit. And, is it any wonder? With so few stores set up to sell their items through the Internet, who among us had the time to waste, when we could just as easily do our shopping at the “brick and mortar” equivalents. This left this new frontier mainly to those in pursuit of those items not readily found in stores at that time, the exotic: Persian rugs, rare books, and other collectibles. Years ago, if you told someone you had no qualms about shopping online, that you willingly provided your credit card information to anonymous customer service reps free floating in cyber space, most figured your credit probably wasn’t all that great to begin with.

Those very “brick and mortar” stores, which had once declared online shopping a fad, an endeavor doomed to go the way of pogo sticks and drive-in theatres, have had to bow down and acknowledge the success of industry giants like: Amazon.com and ebay. These same naysayers, which now credit their online enterprises with providing the lion’s share of their revenues, will do whatever’s necessary to encourage customers to shop online, advertising their largest discounts through their website; with these discounts often considerably greater than the ones offered by their mail order catalogues and landlocked sites.

Not Your Mom and Pop’s Online Rug Shop

Today’s online shopping isn’t limited to exotic Persian rugs anymore. It’s comprised of stores selling everything from: hardware, clothing, magazines and carpeting to gourmet food, cigars and tires. Then you also have your Bombaycompany.com, Kmart.com, EthanAllen.com, Snan.comall, heavy hitters when it comes to supplying decor for the home or office. Any viable enterprise once found only on Main Street U.S.A., is now sure to be represented by hundreds, and sometimes thousands of comparable cyber space online storefronts.

Everyone: college students, grandmothers, teachers, dancers — even rug rats as young as seven — can be found navigating and shopping Internet sites with ease and confidence. But as with all new technologies, knowing what to do, along with those things that shouldn’t be attempted, will help insure all your online shopping experiences are great ones.

A Few Cyber Highway Rules to Keep You on Course

Be a Savvy Consumer

• Make yourself familiar with any site your plan to shop from. If you’ve never heard of the store, then find someone who has. Call the number listed under: Contact Us. Look the company up on the Better Business Bureau’s site to see if anyone’s registered a recent complaint against the site.
• Guard your privacy. Don’t give out personal information to just anyone who emails you. So often, when we visit sites, we are asked to register with our email address, it only days later (sometimes even soon), when you begin receiving bogus emails asking for additional information, such as your credit card account number. It’s a ruse. Often, they’ve gotten enough information from your initial registration at their site to make your think that you’ve done business with them in the past.
• Place your online orders only on secured web servers. These web addresses always begin with https while unsecured web pages begin with http. Get into the habit of looking for sites whose addresses begin with this when shopping online. Depending on your web browser, these sites may also be denoted by a small lock seen in the lower corner of your computer screen. This lock should always be in the closed position, never the open position.
• Don’t use obvious passwords. Try not to use the same password for different sites. One of the keys to keeping your online information out of the hands of others, is to always keep them guessing. If your nickname is Tigger, although easy for you to remember, it’s also fairly easy for someone else to figure out too.

Their Your Rights, Know Them

• If you possible, use the same method of payment for all your online transactions. This will make it easy on you when the statement comes in. This allows you to easily distinguish authorized payments from nonauthorized payments.
• Understand the return and refund policies of the company. You may not want to do a lot of business with an online store providing only a store credit on returns, especially if you thought you were purchasing an Oriental rug for the living room, but it turns out to be a rug better suited to a child’s room.
• Take a minute or two to carefully read the fine print before you hit the “I read and I agree” button. The company puts these caveats in fine print for a reason.
• Don’t assume a 3-5 day delivery date is standard business practice. Most sites offer express shipping at a higher charge than regular UPS. Read the shipping policy before placing an order.
• Know what warranties you are being offered on the products you purchase from the site. Most online stores selling appliances and electronics are more than happy to sell you their extended warranty. But do you need it? Find out what’s covered under the manufacturer’s warranty, then decided whether or not that’s enough coverage.

Let’s Make a Deal

• There’s no reason not to compare prices, especially when it only a matter of mouse clicks. If you know what the competition is offering, then you’re in a much better position to get the best price. Many sites will be meet or better the competition’s best price, if asked to.
• Lookout for hidden fees. These costs account for the majority of shipping and handling fees accessed by online shopping sites. Check to see if these fees seem reasonable for item you are thinking of purchasing.
• Order early for special occasions like Mother’s Day, Christmas, and birthdays. It’s a special day, and receiving the item on time helps insure it remains this way.

Know Where You’ve Been

• Keep good track of dates, amounts spent, and description of the items purchased from the sites you’ve visited.
• Keep all your online receipts and website page printouts. This will make it that much easier to check what’s delivered against what you actually ordered online.

But most importantly, if an online shopping site looks as if it might not be on the up and up, don’t chance it. Whether their selling bamboo rugs or Waterford crystal, it’s certainly not worth risking your good name and credit to find out for sure.

common-mistakes-people-make-in-financial-planning

Common Mistakes People Make In Financial Planning

Writen by Mika Hamilton

Planning for your financial future is by all means a difficult task and to make it harder you have to realize that any mistake may be a detrimental one. For so many aspects of financial planning there is no going back, at least not without some sort of penalty.

The goal is naturally to wind up with a secured future in which you can sustain yourself throughout your retirement.

One of the biggest mistakes, in every sense of the word, is sometimes on that is unfortunately unavoidable. It was one that is worth any possible sacrifice to try to avoid though. This is where people take out a longer mortgage than they really have to. A thirty year mortgage over a fifteen year mortgage winds up costing so much more then you should ever have to pay for a house. Paying it off quicker means you’ll have less money to invest in the first years of your home life but you will have a massive amount more to invest later.

That’s mentioned first because it is likely the biggest cost you will ever have to face. But another big mistake is to avoid doing what is really key in all of this planning and that is to set yourself a goal; more so, set yourself a realistic goal. Like any other aspect of life, without goals we won’t achieve much. Without realistic goals we will never be satisfied.

The goal is also something that keeps people on track with their financial planning and help them avoid some of the other common mistakes. It is also necessary to have a detailed goal so you have smaller steps to achieve. Not only is this practical but it is psychologically imperative so that you know each year that you have accomplished one more step in your plan.

Uncontrolled spending is something that happens with far too many people. With a goal in mind this is easier to avoid. That way you have a plan that reminds you that you have reached your weekly or monthly budget. Still, savings and investments can not happen if money keeps getting spent on unnecessary things.

This doesn’t mean you aren’t allowed to spend money on pleasures, but not more than you can afford. A common example is eating out too much. Even at twenty dollars a meal that can easily escalate into spending thousands on eating a year where you should only be spending hundreds.

When it comes to saving for retirement, far too many people start too late. This not only makes things difficult but sometimes impossible. One of the main keys to setting goals it to set them early in an effort for long term returns.

These are all important things to think over. Keep them in mind as you continue your journey into the world of planning for financial security.

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