A derivative can be referred to as a contract that gets or derives its worth from the functioning of the underlying asset. The underlying asset is an index rate or a benefit and commonly referred to as an underlying asset. Derivatives can often be utilized on many platforms and reasons which include hedging, they can […]
What Happens If I Don’t Pay Term Life Insurance Premium?
If you have taken the sensible step of arranging life cover you will already be aware of the potential financial security that decision will provide for your family. Any sort of life insurance policy takes the form of a financial contract between you and the insurance provider and there are clear consequences to consider if […]
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Simple Steps for Creating a Solid Budget
A goal without a plan is just an idea. This is just as true for your financial ambitions as any other. Whether you want to save for the vacation of a lifetime or ensure you have enough money to last a lifetime, a budget will get you there. And yes, we know making and sticking […]
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Controlling Renovation Costs: Stay in Place or Move Out Temporarily?
Planning a major renovation can be the ideal way to improve your home. You might be considering remodeling the kitchen or bathroom. Perhaps you’re thinking about adding additional rooms to expand your living space. Regardless of the type of renovation project you’re planning, the question of whether to stay in the home or move […]
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What Are the 5 Main Differences Between Accidental Death and Term Life Insurance?
Insurance can be confusing. The terminology and variety of plans are among the reasons people remain uninsured. As Businesswire says, “awareness regarding understanding the products and services offered by the insurance companies act as a significant challenge to the growth of the life insurance market in India.” But we can reduce the confusion between Accidental […]
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Stay, Eat, Do: The Hidden Gems of Stellenbosch
Stellenbosch is a real hidden gem and there’s no wonder why locals and tourists are drawn to this quaint town, a mere 45 minutes drive from the centre of Cape Town. It’s bursting with experience, both culinary, culturally, in its night-life and more. Here’s our top tips on where to stay, where to eat and […]
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5 Tips for Saving Money This Holiday Season
The holidays can be a whimsical time filled with friends, family, food and festivity. But your wallet may feel the pinch. The average American consumer spent $1,143 on retail purchases alone during the holiday season of 2017 — an increase from the previous year. This figure doesn’t even factor in other expenses like travel and […]
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How to Find the Best Reits to Invest In 2019
Investing in real estate doesn’t always mean buying and selling property. Many REITs, or real estate investment trusts, trade on major stock exchanges, making them accessible to everyone. Investing in a REIT is like investing in any other stock, so buying in is much more affordable than purchasing property. Because REITs are traded on the […]
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Getting Back on Your Feet after a Loss
Volatility is one of the characteristics of the financial markets that you need to know about. This means there are periods of highs and lows due to price fluctuations encountered by the many trading instruments. This draws a thin line between profits and losses and landing either is something you need to be prepared for. […]
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6 Tips That You Can Use to Save Money and Time
Due to this mass information age and the advancements in technology, no one seems to have enough time in the day. Even though all of the information that everyone needs is just at the tip of a finger on a point of sale screen, you can’t get everything done in 24 hours. Therefore, if you […]
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Are Real Estate Agents Worth the Commission?
Are you on the fence about whether or not to use a real estate agent for your next home purchase? Are real estate agents worth the commission they charge? According to the National Association of Realtors, 87% of buyers recently purchased their homes by using the services of a real estate agent. To help you […]
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Applying for a Car Loan? Here’s How to Lower Your Auto Costs
Americans love their automobiles and are willing to use financing in record amounts to acquire them. Roughly 85% of Americans who purchased a new car in the last six months used financing, either a lease or a car loan. Buying a car is typically the second largest purchase behind a home for most people and […]
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Debt Management Plan or Debt Relief Order?
People often find it really hard to face up to their debt problems because they believe that there’s no real way out of them. Many people worry that bankruptcy is the only answer to serious debt issues, but there are other solutions that aren’t so drastic. Two popular options for resolving serious debt issues are […]
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Why Small Businesses Depend on General Liability Insurance
Small business owners are always looking for the most economical way to run their companies. After all, profitability depends on maximizing revenue and minimizing operating expenses; pursuing one without the other is counterproductive. So, entrepreneurs are always seeking out ways they can cut costs without cutting the quality of work they’re doing. It might be […]
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Do You Have the Right Type of Life Insurance?
Adults who want to buy life insurance have a lot of options. Depending on your needs, you can select from at least a half-dozen different kinds of policies. Sometimes it’s said that there are just three types of life insurance, but in reality, there are at least a dozen different variations and combinations of the […]
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What Are Personal Loans and Why Do People to Take Them Out?
Millions of people take on debt every year. As a matter of fact, no matter which age group you’re in, chances are you have at least $10,000 in debt weighing against your net worth. With all of this tough talk against debt that you hear in the news today, it’s a wonder why anybody takes […]
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How to Plan a Day in NYC on a Budget
Heading to the Big Apple? Well, it’s notorious for being one of the most expensive cities in the world, and certainly the most expensive city to visit in the US. Here are some tips for planning a day in NYC on a budget without worrying about money. Getting Around New York cabs are expensive, so […]
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Smartphone Theft: How to Deter Thieves and Protect Your Data
In a world where smartphones have become an integral part of our working and social lives, the threat of smartphone theft has been getting greater and greater. According to Consumer Reports National Research Center, 2.1 Million cell phones were stolen in the U.S. last year with another 3.1 Million cell phones reported as being lost. Theft […]
Proven Strategies to Build a More Resilient Business
While a lot is said about business resilience and continuity planning, and the importance of a company being agile and responsive; in the end it all boils down to one simple goal – being able to continue to serve your customers even when times get tough. Business resilience is about rolling with the punches and […]
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How Poor Money Management Can Ruin Your Chance to Build Wealth
You’ve probably heard of the saying, ‘earn like the rich and spend like the poor.’ The rich remain rich by spending like the poor while the poor stay poor because they try to emulate lavish lifestyles. Money management is crucial for both low and high income earners. According to author Elizabeth Warren’s 50/20/30 budget rule, […]
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Money Saving Tips: This Home buying Mistake Can Cost You Thousands
Buying a home in the winter? Ask for an escrow account for seasonal repairs. Buying a home in the middle of winter may seem like a mistake. After all, who wants to trudge through the cold looking at homes? There are typically less buyers in the winter months and that means sellers are often motivated […]
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How a Good Credit Score Can Help You Reach Life’s Milestones
Life is full of ups and downs but While having a good credit score can’t lessen the impact of every difficulty, it certainly can help make reaching your financial goals easier. So how much does bad credit cost you? Bad credit can literally cost you thousands of dollars over the long-term in higher interest charges, […]
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Drowning in Debt? Here’s How to Start Climbing Out of Debt
Utilizing credit to cover life’s major expenses or unexpected bills is common among Americans. Taking on debt makes it easier to manage a significant financial burden when the savings just isn’t there. Unfortunately, leaning too heavily on credit can create a mountain of debt that feels impossible to move. If you feel like you’re drowning […]
The Pros and Cons of Owning a Car
The world got a lot smaller when Henry Ford introduced the Model T in 1908. It brought freedom and independence to people who were long bound to their homes by circumstance. Rural folks were able to travel beyond the next town, and they could pursue new opportunities in work, travel, and education. City dwellers, able […]
How to Minimize Your Home Expenses
Owning a home can give you a sense of accomplishment in life and the possibility of building equity as you make your monthly mortgage payments. But as always, freedom usually is accompanied by responsibilities. If you bought your house through a mortgage, your major responsibility will be to ensure that you make your monthly repayments […]
Looking to Get Your Debt Written Off? Here Are 6 Questions You Need to Ask Yourself First
Writing Off Debt Can Affect Your Credit so It’s Important to Research Your Options If you are worried about paying the bills, you are not alone. Americans are drowning in debt and the problem is getting worse. Recent Federal Reserve statistics revealed that consumer spending increased by 5.25% in the 3rdquarter of 2018. The rate of revolving […]
How To Throw A Fun Party On A Budget
There are many people who would love to throw a fun party at their homes with their friends and family, but don’t because of the high perceived cost of doing so. While it is true that some parties can be expensive, it’s also true that you can throw a DIY party that is equally as […]
4 Ways to Effectively Market a Small Business
Marketing your small business can build a brand following and increase sales revenue. Having an effective marketing strategy is key to that success and even though there are numerous marketing strategies, they all have the common goal of convincing people to purchase your product or service. Most businesses do not have unlimited funds for […]
Side-Business Ideas to Earn Extra Money
Image credit: Le Buzz There are many interesting ways how to save or invest your money, but what about earning more? It’s hard to figure this out, especially if you’re working full time – then the only possible way to get more money seems to be the promotion at work. Which is […]
Why Term Life Insurance Is an Option Worth Considering
When the time comes to look at life insurance and all the different options, it can be challenging to determine not just how much coverage you need, but what life insurance plan is the best option for you. You have two main options for coverage, permanent insurance or term life insurance. Both have their […]
Using Credit Cards Responsibly: The Double Edge Sword Explained
Depending on your credit habits, you either have a love or a hate relationship when it comes to credit cards. If you love them, it’s likely because you’ve found a card that offers you a top notch rewards program or a low interest rate. With the right credit card you can travel for free or […]
The Best Brokers for Penny Stock Traders
Penny stock traders have unique requirements when it comes to selecting a broker. Since most penny stocks trade below $5, fees must be minimal, and multiple trades must be supported. Take a look at this list of the best brokers for penny stock traders in 2018. Robinhood Robinhood is the only broker that […]
The Hidden Costs of Owning a Home
Owning a Home – Investment or Expense? Owning a home has long been the American Dream. A recent survey by the National Association of Homebuilders (NAHB) uncovered that 75% of Americans still believe that owning a home is the best long-term investment they can make. According to a recent report by CoreLogic, negative equity peaked […]
Activities to Tick Off Your Bucket List When Traveling in Utah
Utah, a classic gem to all who visits the state. This place offers a wide range of activities for kids and kids-at-heart, for passersby, for enthusiasts, and road trippers. If you are on the lookout for top things to do in Utah, then adventure, splendour, and a rich culture await you. Add up to […]
Top Travel Tips for Those Traveling to the United States
The United States continues to be one of the top travel destinations in the world for good reason. The U.S. has some of the most scenic landscapes that you will find along with popular tourist attractions such as The Grand Canyon, Yellowstone and Yosemite National Parks. There has never been a better time to book […]
Learn How to Save Money on Auto Insurance
The cost of auto insurance is very high. Insurers have increased their premiums in order to protect their valuables and, still, many of them do not make a profit. These premiums can vary by hundreds of dollars. Motor insurance continues to remain the biggest and most expensive nuisance. The good news is that, with the […]
The Ultimate Guide to Saving Money for Your Dream Trip
Everyone has a trip on their bucket list that they have been dreaming to have since they were little. However, back then you had no idea that money is a big inconvenience that can stop you from fulfilling your wish, you were just thinking about how amazing it is going to be when you reach […]
HR Tips for Small to Medium Sized Businesses
For small to medium businesses struggling to remain competitive and keep their cashflow healthy, HR often becomes an afterthought, or something you only address when an issue has already arisen. Not only can this cause ill-will in the workplace and affect productivity, in the worst-case scenario it can land employers in serious legal and financial […]
The Relevance Of The EB-5 Visa Program in 2020
What is the EB-5 Visa Program It is no secret that, annually, there are hundreds of thousands of individuals who strive to gain legal entry into the United States. For most of these people, the aim is to study, work, and live in the land of numerous opportunities. While there are lots of channels that […]
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How to Travel to California on a Budget
California is one of those destinations that a lot of people dream about traveling to. They come from all around the U.S. and the world, and the state is just so diverse in its offerings. From the Giant Redwood forests of the northern part of the state to the stunningly rugged coastline in the middle […]
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4 Tips to Plan a Successful Retirement
Life may be good for now. You may have a beautiful house, a great job, the latest car and most importantly, a supportive family. There may be no worries in your life on a daily basis. But you never know when a tragedy can strike and you become low on funds. Have you ever thought […]
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