Online shopping fraud prevention tips

Nervous about shopping online because of concerns about credit card fraud? Here are a few tips to help you shop wisely and protect yourself: 1. Talk to your bank or credit card company and arrange for a separate, low limit credit card to use exclusively for online purchases. This will give you some peace of mind in case your card information is compromised as the fraudulent amount would only total a few hundred dollars rather than thousands of dollars. Remember though, you are not financially responsible for fraudulent charges in most cases (check your credit card terms). 2. Review your credit card terms. Most companies do not hold you financially accountable for fraudulent charges. If you do notice fraud charges, contact your credit card company immediately. They will freeze your account from further purchases as well as remove the charges from your account. You will have to sign affidavits that the charges were not yours and are indeed criminally charged on your account. 3. Use your credit card online rather than a debit card that is attached to your bank account. Although the money in your bank account is normally protected against fraudulent charges as well, it can take a few weeks for your bank to reimburse your account. There is paper work involved and you'll need to sign affidavits. Since your living expenses still need to be paid while you're waiting for your money to be returned, having an empty banking account only adds stress to an already stressful situation. 4. Consider using an online financial service such as PayPal. com. When you use PayPal, online merchants don't have access to your credit card information. Since PayPal transactions require you to login and confirm each purchase, this can reduce the risk of fraudulent charges. PayPal also has a Buyer Protection policy in place. 5. Before entering any confidential information online (such as your credit card information), make sure the connection is secure by looking at your browser's address bar. The url should start with https:// rather than just http:// (notice there is an 'S' with the secure connection). Also look for a small yellow padlock symbol in the browser's status bar at the bottom. This yellow padlock symbolizes a secure connection. Shopping online can provide you with a much greater selection of goods and save you money with all the price cuts and deals one finds online. By shopping smart on the internet, you can help keep the shopping experience a pleasant one.

How to stop foreclosure

Foreclosure is not a word that any of us wants to even hear, let alone think about the process happening to us. But, financial hardships may befall the most responsible people and the foreclosure process may look more and more like it may happen in your life or the life of someone you love. Thankfully, there are some things that you can do to stop from being foreclosed on. Foreclosure isn’t easy, and stopping foreclosure isn’t easy, but if you are well informed you can keep from losing your home. Stop the process in its tracks The best thing you can do is to stop the foreclosure process in its tracks. As you may or may not know, foreclosure is a long, drawn out process that gives the owner of the home plenty of chances to stop the process and deal with their debt. The first interactions that the bank or lender has with you is not part of the formal foreclosure process, and that is a good time to get a handle on the situation and really keep it from going any further. If you have missed a handful of mortgage payments, don’t write it off as too late to save your home and your current lifestyle. If the bank has not yet sent you a notice of foreclosure, the process is not yet official and you still have plenty of time to turn it around. The first thing you should do is respond to the phone calls and the letters that are coming in the mail for you about your late payments. This may be painful and something you don’t feel like doing, but it will be less painful than having your home taken right out from under you. Call the bank your lender; you may be surprised to learn exactly how willing they are to work with you. If you explain what your financial situation is, your bank will likely be willing to work with you and will just be happy to hear from you. Sometimes, all it takes to stop the process from becoming a formal one is a response from you. Once you contact the bank or lender you need to be prepared to set up payment arrangements that will get you back on track. Let the bank know exactly how much you can pay each week. Even if you can only pay a couple hundred dollars each week, this will eventually get you back to where you should be and the bank will consider it a good faith effort to keep your home and as long as you keep up with these scheduled payments, you’ll find that the bank is willing to work with you as long as you need them to so that you can keep your home as well as keep them off your back. It might take awhile, but you can get on top of your late payments. Remember, your bank doesn’t want to foreclose on your home, so you should take all of the chances you are offered and communicate with the bank about the issues you’ve had paying your mortgage, and then arrange payments, and be sure to make them. Show the bank you mean business Once you’ve received a notice of intent to foreclose, you still shouldn’t lose all hope. Most of the time you can still keep your home and reconcile the debt with your bank. You might have to make a larger payment or the bank may actually try to demand that you pay the debt in full, but if you get a foreclosure attorney involved you may be able to undo these issues. Most of the time if you can pay a portion of the missed payments on the spot you’ll be able to proceed normally and set up new monthly payments so that you don’t have to lose your home. An attorney can often step in and help you set up payments that will not leave you broke, but will also satisfy the needs of the bank. Sometimes it is easier to have an attorney present to sort of act as a middleman since this is a very stressful situation for most owners, and it can be difficult to keep emotions out of it. Attorneys will also be able to ensure that your rights are protected and that you have every chance possible to save your home from being foreclosed on. If you miss the boat on this type of thing, you can actually show up at the auction for your home. As long as you are the highest bidder, the bank doesn’t care who buys the home just that the home sells. If you are intent on saving your home, the auction is a great place to be because there may only be a handful of people there that bid on the home and if you are able to put down a large sum of money, you might just win your house back! Don’t dismiss every chance possible to win your house back, as you may figure out how to come up with the money just in the nick of time. As you can see, there are many ways to keep from being foreclosed on. Many people simply sell their homes, sell belongings, stock, or take money from savings accounts to pay off their debts and get back on track. Foreclosure does not only mean the loss of your home, it means damaged credit and the need to look for a new place to live. If more people would realize that the bank really does not want to foreclose on their homes and that they can take advantage of these offers by just picking up the phone and getting in touch, fewer homes would be foreclosed on. Banks will often help you refinance if you are just not able to make such big payments each month, or they’ll make payment arrangements for you to get on top of the debt. Don’t be afraid to ask questions, get help, and get aggressive about keeping your home because you can stop foreclosure.

Public liability whose fault is it anyway

Have you ever walked past a footpath where the concrete has lifted or watched several people walk around a spill on the supermarket floor? Ever found yourself saying, “Now there’s an accident waiting to happen.” When a member of the public suffers an injury or loss due to the negligence of another party, that party is liable for that injury or loss. Hence the term, Public Liability. Public Liability insurance is a must for all businesses, large and small to safeguard the public’s interests and, indeed, those of the business. Now we’ve all heard the stories about exorbitant judgements being awarded to people claiming to have been injured due to another’s negligence. Most of the time these claims seem justified, however, there are others that cause our brows to furrow a little as we mutter: “What the…?” For example: A person disobeys an official Council sign forbidding swimming and diving in a rock pool. This person dives in and, after sustaining injuries that render him quadriplegic, sues the Council. Is his multi-million dollar payout justified? Granted, he suffered severe injuries and will need specialised care for the rest of his life but should the Council and, as a direct flow-on, the ratepayers of the area, be forced to pay for his thoughtless folly? Then there’s the hotel patron who left the hotel inebriated and sued the publican after tripping over in the street. Claims like these cause Public Liability insurance premiums to skyrocket and yet, the claimants appear to be at fault. (Perhaps the courts are trying to save government money by not forcing these people into the public health system.) It’s a sad fact that in today’s litigious society, fewer and fewer people are prepared to take responsibility for their own actions. Whether it’s tripping over one’s feet while under the influence of alcohol or diving into shallow water, it seems there must always be someone else to blame. The courts have even been presented with cases brought forward by criminals injured in the course of committing their crimes! Unfortunately, when the public’s attention is drawn to public liability insurance, it is all too often because of these less meritorious types of claims. Little is heard of how genuine claims are brought against truly negligent parties and the effects such negligence has had on claimants’ lives. For example: • After many requests to her landlord to repair the state of her backyard, a young mother tripped on broken and uneven paving, breaking her elbow. Her landlord agreed to settle her claim out of court for a figure that took into account her incapacity to care for her children without domestic help. • An elderly man was seated in a fast food restaurant when his chair suddenly collapsed causing back, leg and chest injuries. His chair, unlike others in the restaurant had been inadequately fastened in place. The restaurant settled the claim and took steps to prevent similar occurrences. And who could forget Erin Brockovich, that David and Goliath type class action bringing a giant corporation to its knees? We love to see the little people win, especially against arrogance and “big bucks”. When someone’s life is turned upside down through no fault of their own, they should receive just and proper care. If the cause of their distress is due to the negligence of another party, that party must bear the burden of such care. Medical treatment, loss of income and loss of quality of life are some consequences of injury taken into account when determining claim settlement details. Public liability insurance is crucial to ensure that a. The injured party gets paid, and b. The ‘at fault’ party is not left bankrupt by the result. With the rising number of public liability claims and the soaring premium costs, however, many businesses are finding it difficult to obtain this type of insurance. In such cases it is recommended to: • Ensure sound risk management. I. e.: take every precaution to lessen the chances of injuries occurring. • Create your own ‘insurance pool’. I. e.: approach similar organisations as yours and apply for insurance as a group with a ready-made ‘insurance pool’ to draw from. • Talk to your broker – it is in his best interests to look after yours. All in all, Public Liability insurance is a necessity in today’s society. It allows for justice to be seen to be done in cases of negligence and calls negligent parties to action in doing all they can to prevent other injuries from occurring in the future. Whose fault is it anyway? With careful risk management, that question need never arise again.

Bad credit history need a mortgage

Imagine this. You see that beautiful bungalow while driving past the marina. Your heart asks you to get out of the car, pay a visit to the seller and buy the house immediately. But then you realize that your wallet is not as fat as you would expect It to be. This results in you applying for a mortgage loan on your current property. Now the first question to hit your mind will be about your credit history.

You must be asking yourself whether the lender will grant mortgage, keeping in mind your bad credit history. Want to know more??Well, read on to find out. Several people face inadequacies which do not permit them to repay their loans, which results in a bad credit history. Credit history is a record of your past credit details. It also includes your non payment of debt and credit arrears. Many people, who have previously defaulted in payment of bills, have a bad credit history. Generally, lenders are not very keen on favoring borrowers with bad credit history. Also, lenders are very strict in not offering mortgages to people who have been bankrupt before. But there are some lenders who offer mortgages for people with bad credit history. This is known as a sub-prime mortgage. Bad credit loans may seem very enticing. The borrower has to give a cheque to the lender, assuring him of repayment. The interest rates associated with sub-prime mortgages are very high compared to other mortgages. While going for a subprime mortgage loan, ensure that interest rates are not too high or else they will worsen your credit condition and that is the last thing that you want. Subprime mortgage rates can range from around 7% to 13% and therefore it is absolutely important that you are under the least obtainable interest rates. So ensure that you do your homework before approaching the broker. Due to bad credit history, lenders demand a higher down payment before procurement of the mortgage. If you are able to afford this down payment, then the monthly interest rates will be lowered, thus improving your credit history. The best way for you to obtain your subprime mortgage loan is through a mortgage broker. A broker will guide you through all the formalities that have to be completed. But there are some downsides to subprime loans as well. Interest rates generally tend to increase as the year progresses. This proves to be a real problem for those who are just able to manage the current interest rates. An increase in rates can result in disaster, and if a large number of borrowers end up in such a position, a crunch situation is created and affordability related problems are brought out onto the forefront. Also prepayment penalties will keep you stuck to the loan for a longer time than necessary. You have to negotiate in order to obtain the least possible penalty. The final verdict is that there are several subprime lenders and it is your job to handpick the right one by comparing interest rates. Hiring a broker is highly recommended.

Car financing which is better buying or leasing

Purchasing a new car is always an exciting time in life; however, it can also be confusing and time confusing, especially with so many different types of financing options available. Should you purchase your next vehicle outright or would it be better to lease it? Which option will be better financially for you? Read on for more tips to help you make the right decision for you and your finances the next time you’re in the market for a new car. It’s important to understand that there is not a clear cut answer to this question. It really depends on your needs and situation. When considering whether it would be better to buy or lease, it is important to understand all of the terms regarding the lease. Generally, the lease will be for a specified period of time and you will probably be limited to the amount of mileage that can be placed on the vehicle. In the event that you go over that specified mileage at the end of your lease period, you will be liable for paying the overage. Lease agreements also pay what is known as a finance charge at the end of the lease agreement. So, it is important to understand that while your lease payments may be less than payments would be if you bought the vehicle outright, you will still be responsible for a sum of money at the end. In addition, it should be pointed out that you do not build up any equity in a vehicle when you lease it, only when your purchase it. On the other hand, when you purchase a vehicle and drive it for a long period of time, while you do build up equity, that amount declines the longer you own the vehicle. With leasing, you have the advantage of only having to pay for what you use while with the buying option you must pay for everything, regardless of whether you use it or not. Leasing gives you the advantage of obtaining lower payments and the option of having a new vehicle every two or three years. This can be important to many people because it provides you with the benefit of having the latest safety features on your vehicle and the comfort of knowing you won’t have any warranty problems. If you don’t care about whether you build-up equity in the vehicle and feel you won’t go over the mileage limits then leasing may be the right option for you. On the other hand, buying the vehicle outright; will mean higher monthly payments but the overall cost is about the same as leasing a vehicle, especially when all factors are taken into consideration, such as mileage overage payments and finance charges. Purchasing also gives you the benefit of actually owning the vehicle and if you opt to pay off the loan and keep the car, it can mean you won’t have a vehicle payment. You must also take into consideration; however, that when the warranty expires you will be responsible for the cost of repairs. This can be offset when you take into consideration that you don’t have to worry about going over mileage limits as with leasing. Additionally, there are no surprise costs at the end as there are with lease options. In the end you really need to give thought to your own situation, needs and desires.

Offshore banking when it pays to go abroad

While you might presume anyone with ‘money in offshore accounts’ is involved in some scurrilous business affairs, the truth is that anyone can use this form of investment as a totally legitimate way to defer or reduce your tax payments. Locations for offshore accounts can be held in banks in British waters – the Channel Islands or Isle of Man for example, or you could look further afield to the Republic of Ireland or Luxembourg. As with other investments, there are different ways to send your money abroad, with different levels of risk attached. Some of the benefits include current accounts with higher levels of interest – check out the high street banks, many of which offer offshore instant access accounts. These are a relatively safe way to invest. There are also ‘notice’ savings accounts which can yield exceptionally high rates of interest.

You may choose to put money into an offshore investment fund, which is similar to the normal onshore type, only you usually find that you pay a performance related fee to your fund manager. This could mean that they have more incentive to make sure your money is working hard for you. Check investment companies like Schroders and Gartmore for this type of fund. Money funds are a high risk form of investing – your funds will be pooled with those of other investors’ and used to buy international currency at wholesale rates. Your shares will be exposed to the vagaries of international exchange rates, and this can be a nerve-wrackingly unpredictable way to invest abroad. More and more people are choosing to buy property abroad – whether as future dream retirement home or as profit making venture. In Eastern Europe and the Middle East you can pick up property for remarkably low prices – developments and agencies advertise in the property sections of newspapers, and websites abound. While this could prove a sound long-term way of investing, there are numerous things to take into account – the stability of a country’s economy, complicated legal agreements and the cost of travel to and from the property are major factors. Different countries operate wildly different property law, and you will need to get sound advice on all the implications before buying abroad. Check things like inheritance law – for example, in France, there are obstacles to simply leaving property to named recipients in your will.

If you do buy abroad, you will probably find it useful to open a multi-currency account.

Meet deadlines and earn profit via tax preparation outsourcing

Tax preparation is the information given out by an individual or an organization to a government body declaring all liabilities for taxation. Everyone wants to pay their taxes in time and be free of the tax liability as soon as it is possible. Accounting firms and CPAs can undertake tax preparation outsourcing to meet the heavy rush from customers during the tax paying season. If you do not have your tax returns prepared in time, the whole process of tax paying can get really complicated and you can end up losing sleep over it. Outsourcing means to take business or other process of a company to an outside firm. Many processes including tax return preparation, accounting, bookkeeping has been successfully outsourced to many outsourcing companies. Tax preparation outsourcing has many benefits and more and more accounting firms and CPAs are increasingly undertaking the process. The process enables accounting firms to meet customer demand and earn profit for their firm. The first benefit of outsourcing is that you will be able to meet huge customer demand without the addition of any new staff and also without any new financial investment. Tax return outsourcing lets an accounting firm hire the services of offshore tax return calculating professionals. Most of the outsourcing work is done by professionals in the third world countries. These countries have enormous manpower and they are also highly qualified. So, you get professionals with the best capability to do the work for you and meet client demands and deadlines. If you undertake tax return outsourcing for your firm, you will not have to spend a single extra dime. This is possible simply because the outsourcing work is done in countries where the monetary value is much lower than USD. This means that the money which you pay for your outsourcing work is much lower than what you would require for paying an employee in the US. Also you do not have to spend extra for insurance and other employee benefits. It is not so simple to find a good outsourcing company which will do tax preparation outsourcing for you. No doubt there are plenty of firms which provide outsourcings service to clients, but you need to scout around a lot to find the best outsourcing company to do the work for your firm. The firm must be perfectly efficient in doing all types of accounting and tax return outsourcing work for you. The one thing which you must check in a firm providing tax return outsourcing is the security features which they have in place. In this internet age online security is of vital importance to anybody. Increasing online fraud and identity theft has made people skeptical about disclosing their personal information and financial data online. See if the security measures of the outsourcing company are stringent enough to protect your customer identity and data. If you are satisfied with all the services provided then only go ahead and hire their services. There is no dearth of companies providing tax return outsourcing, so never settle for the second best option.

Low mortgage home equity rates

Home equity loan is a type of loan in which the borrower uses the equity in their home as security. A home equity loan makes a legal claim against the borrower's house. There are two types of home equity loans, closed end home equity loan and open-end home equity loan. In the closed end home equity loan the principle and interest payment rate remains the same over the life of the loan. Most of the people choose fixed home equity rates for several different terms like 10 years, 15 years and a 30 due in 15 years.

Getting low mortgage home equity rate depends on the amount borrowed against the mortgaged home. Low mortgage home equity rates are easily available on 125% home equity loans. This is for the borrowers with better credit who have a need for funds in excess of available home equity. If the loan proposal gets approved the borrower will get loan amounts up to 125% of the value of the home equity. In some 125% home equity loan packages there is no lenders fees or appraisal fees included. This type of loan is ideal, because you can save cash on your loan.

To get low mortgage home equity rate one should aggressively look into the market. There are dozens of financing organization around; all the equity rates and fees should be checked before you make up your mind. There are few steps that could provide you the best possible low mortgage home equity rate that could definitely make your life and payments easy and affordable. - To get low mortgage home equity rates, one usually requires a good credit history. So, first and foremost thing should be the payment of every bill on time. The basic thing that a lender wants to know is whether the person is going to make the payments on time every month. If they find you defaulting in any case, or just a few days late with your credit payments, they will consider you the biggest risk. This could increase the rates offered to you. - Cut off your debts as much as possible because the lenders look at the total amount you owe and your monthly income. Lenders are interested to know whether you can afford to clear all your current payments as well as the mortgage home equity loan payment, all together. Less the debts you are in, more are the chances of you getting low mortgage home equity rate. - Do not apply for any new credit cards or other loans. These could force those lenders to check your credit report. And when they do this, those inquiries are noted on your history and could lower your credit scores. - It is a good and important practice to shop around for low mortgage home equity rate and get realistic quotes from at least five lenders. But do not ever fill any applications until you have chosen the company you positively want to deal with. Filling out too man applications may unduly harm your credit report. - It is very important that you do not limit yourself to your bank, existing lender, or the mortgage broker you know who lives near by. This research will definitely help you to get the best and low mortgage home equity rate available in the market.

Cash gifting which cash gifting program is right for you

Cash gifting is a wonderful way to help others as well as to induce benefit into your own life. Gifting has been a concept embraced by humanity since the beginning of time. Religious orders across the world hold close the concept of giving wholeheartedly. To give is good. Cash gifting is also 100% legal in the United States and Canada just to name a few countries. There are quite a few legitimate cash gifting programs available to choose from. How do you know which one is right for you? Here is a list of some helpful considerations: 1) If your intention is to engage in a cash gifting program online, then you need to make sure that the program allows for online promotion. Some don’t. 2) You need to make certain that the cash gifting program that you are considering is one of integrity. There should be program administrators and software packages that track all activity within the plan. There should be a proven track record of success. 3) Before beginning a cash gifting program, you need to consider how much money you’re willing and/or able to gift. Commonly, cash gifting programs are based upon the amounts of: $500, $1500 and $3500. Of course, the benefits are greater when it is your turn to receive if the initial gift is higher. 4) You need disallow yourself from being overly suspicious. Suspicion is good. However, when you are overly suspicious to the point that you are afraid to move forward in life, you will miss out on many potentially wonderful opportunities. When you give the gift of cash to somebody in need, it makes you feel nice. A warm feeling is generated within yourself by knowing that you have helped somebody less fortunate than you. Cash gifting benefits thousands of people every year by helping them to get out of debt, purchase a home, send their children to college and start businesses of their own. There is certainly nothing wrong with receiving either. When you are part of a group of likeminded individuals that are giving and receiving their cash to one another, it provides you with a sense of security. When you receive your gifts, there will be no guilt. You have given first. People helping people are what cash gifting is all about. Just assure that you’re dealing with a legitimate and valid program. Explore the realm of cash gifting today!

Opening us bank account for non resident aliens

NRA or Non Residents Alien is a widely used term, which refers to the non-US citizens, having no residential base in the country. It is generally put in to the use by the country’s banking sector. Why does a NRA require a US account? Let’s try and analyze the various benefits that everyone around the globe can extract from a US account. With emerging trends and the Internet boon, everything seems to be happening online. Whether you are a small free-lancer or big exporter of goods, your entire transactions are possibly going to be online. Whatever be size of your business you can’t escape the fact that there is big drift of trade towards the Internet. And it’s evitable that with the US currency being the currency with the maximum reach, you should also have an easy to handle place to trade in the same. A US account is what you really should opt for. Let me list some unique benefits that a US account offers.

1. Savings on Tax: The amount of strictness that US ensures as far as protecting its people is concerned is great but despite of that when it comes to the Tax laws of NRA’s the laws are such that you would end up saving a lot on your taxes. If you open the same international account in some other country you would end up give a lot more tax. So this is one important and solid benefit. 2. No Physical Presence: An account in a US bank usually comes fully loaded with a huge amount of solid services. There is a lot of support for online transactions and this in turn makes physical presence not a necessary requirement. You can handle all the functions of your account from the comforts of your home or office. 3. Reference: This is a very interesting point and not many people know about it as well. There are some nations in which it is impossible to open an account directly. But after having been the customer of a US bank for six months or so you can easily ask your bank to refer you to other banks in other nations including these nations. And this makes way for you being able to open accounts at even other places via the US route. 4. Safe: Your money in the US bank is safe. I have friends who are webmasters and who have used other systems, which accept money online. One of them recently lost around $3000 with such an online system, as the system simply froze his account. In another instance one of my other contacts was charged so much as charge back money that he lost a sum of around $2400 just like that. And this is not limited to these to instances only. Once your business starts flourishing and you start earning a good amount of money, you would realize that you require something much better and more reliable than these online systems. And a merchant account in a US bank is the best solution for you. 5. The stringent laws of US banking sector almost made it impossible to open the accounts for NRA’s. However the things are not that grueling anymore; though it would be incorrect to call the procedure easy and simple going. The things are still complex and complicated. However the best solution that I found after a lot of research on the website, rather an online guide: http:// non-us-bank-account. com. It is a complete step-by-step procedure, which teaches you how to open a US bank account as an NRA. I feel the importance of a US account for a NRA is now quite evident and the fact that it shall really help you grow your client base. So don’t waste you time, act now and go for a US bank account.

The four classifications of a public retirement system

It is that time in life that we all look forward to. It is time to sit and relax and no longer have to worry about catching the bus or missing lunch just to beat the deadline. It is that point in our lives that the challenges of a planned working schedule is modified into a more relaxing pace, away from the hustle and bustle of the everyday struggle to work. It is the day of retirement. Basically, retirement systems refer to the methods or processes, in which the employees can begin use of their retirement benefits depending on the nature of their job and the amount of their take home pay. In the United States, the retirement system may vary from one state to another state. However, every retirement system functions and operates just the same. The retirement system is categorically divided into four different retirement systems. These are the Judges Retirement System, State Employees, School Employees, and the State Police Employees Retirement Systems. Every category has it own system and each of them ha its functions as well as restrictions. To know more about the four retirement systems, here are some facts that are very helpful to those who need it. 1. Judges Retirement System This type of retirement system refers to the retirement benefits entitled to judges. The rules and regulations stipulated within the provisions of Judges Retirement System are in conformity with the services rendered by the judges to their work. 2. State Employees Retirement System This particular retirement system aims to provide those who have rendered adequate services to the state, thus, they are entitled to special privileges that are only applicable to state employees. These retirement benefits are exclusive for people in the state government. 3. School Employees Retirement System Any benefits that are entitled to teacher and educators are those that fall under the School Employees System. Benefits and profits are gained during the retirement. 4. State Police Employees Retirement System This retirement system refers to the system that is responsible in organizing the appropriate services and benefits that are entitled for people who have sufficiently tendered services as a police officer until such time that the concerned person has already reached retirement stage. Boiled down, retirement systems are specially made to make life more meaningful when people are already on their retirement age.

How to repair your credit consolidating credit card loans

If the bills seem to be getting bigger ever month, budgeting can help you begin to save money, but it can’t help you make your previous debt disappear. However, you can save yourself from financial ruin, even if you’re trying to pay off 20 different credit cards—consolidate your credit card loans. This step is easier than you may think and can truly help you repair your credit. First, make a list of all of the credit cards you own, along with the debt on each and the APR for each. If you must have a credit card, choose the own with the lowest interest rate and set it aside. This will be the credit card that you still use, and it should only be used for emergencies and when you absolutely have no other way to pay a bill.

Keep in mind that you’ll have to pay the minimum on this card every month and that you’ll want to try to pay the complete balance when possible. Next, contact a debt consolidation company. Talk to a representative about your financial needs and about the debt you’ve already incurred. This company will work with you by paying off all of your credit card debt. You will then make one larger payment per month to this company.

When this happens, cut your cards and close your accounts! This will save you from incurring more debt and repeating the situation! You can also consolidate in other ways. If you have a credit card with an extremely low interest rate, consider transferring all of your debt to this one card, keeping in mind that there may be transfer fees. You can also take out a second mortgage to pay off your cards if you have a low interest rate in this part of your financial portfolio. The key is to work hard at paying as much as possible ever month to avoid interest. Doing this will help you to repair your credit and stay out of debt in the future!

Saving bonds

Saving Bonds are issued by US Treasury Department. These are not tradable anywhere in the market. The bonds are non-marketable securities. For any buying and selling activity, you need to go to the agents authorized by the government. These agents are called Issuing and Paying agents.

The saving bonds are registered securities. This means that they are registered and held in name of the person who owns them. Generally there are three series of interesting saving bonds. They are, I Series, E/EE series and H/ HH bonds. Series EE Bonds : They replaced the Series E bonds. You can easily buy the EE bonds at a discount of half their face value.

They come in denominations of $50 to $10,000. There is however a limit. There is a ceiling of $30,000 (on the face value) during any calendar year. These bonds increase in value as the interest accrues / accumulates. They will generate for you interest for 30 years. When EE bonds "mature," or are due for maturity, you get your original investment back plus all of the interest also. They are the accrual type of marketable securities.

Series HH Bonds: They are available for purchase only in exchange for Series EE or E bonds and Savings Notes. The other way is to procure the proceeds from a matured Series HH bond. They are quite different from the usual EE bonds. Series HH bonds are purchased at their face value and are available in $500 to $10,000 denominations. But there is no upper limit on the amount you can invest.

These bonds don’t increase in value and have a maturity period of 20 years. Series I Bonds : These bonds are available at face value only. They grow with inflation-indexed earnings for maximum period of 30 years. You can buy Series I bond in $50 to $10,000 denominations, the limit being $30,000 in any calendar year.

Bonds and Series EE Savings Bonds are of similar type as they are accrual securities. They will give you some earning, that is, accrue interest monthly at a variable rate and the interest is compounded semiannually. You receive your earnings when you redeem an I Bond or Series EE Savings Bond. Series HH Savings Bonds are current income securities. You receive your earnings semiannually and you receive the face value of Series HH Savings Bonds when you redeem them. The benefits of parking some savings in these saving bonds is two way: first you get a cut in the taxes thereby some tax benefits are there. The other benefit is that they are more secure then other securities as their value almost always rises.

It never fluctuates much so the usual ups and downs that other securities see, is not a regular feature in this bond. Another great thing is that they are registered securities so in case you loose these bonds (paper bonds etc), all you have to do is get in touch with the authorities ands you will get a replacement soon. Thus there is no issue of their being lost, destroyed etc. The bonds are very affordable as you can start purchasing them with as less as USD 25.The bonds are available right from denomination of USD 50 to USD 10,000.So all you have to do is to analyze your needs, financial goals and then purchase them. In case you are tied up, no need to fret, these bonds are valuable online also. So all you have to do is few clicks on the site and you have bought them electronically, without moving anywhere from the comfort of your chair. There more then 40,000 financial institutions that sells these bonds. You can sell them anytime you wish to, once the initial holding period of 12 months is over. Saving Bonds are safe and secure securities to park savings for good returns. They are easy to buy and come in small as well large denomination also.

como encontrar pareja si estas solo o sola

Encontrar pareja es algo no tan fбcil de hacer. Todo depende en las posibilidades y opciones de cada uno. Como buscar departamento por ejemplo, requiere saber como buscar, en que sitios, en que inmobiliarias, etc. En el caso de una pareja, es importante tener en claro a donde buscar. Los sitios en Internet se han convertido en una de las mejores opciones en los ъltimos aсos de su popularidad. Gente como vos y yo que no encuentran al amor de su vida, encuentran en sitios para conocer gente en lнnea muchas opciones que en la vida cotidiana no pueden o no pretenden buscar. La ventaja principal de estos sitios es que te permiten dejar atrбs muchos prejuicios que llevamos a la hora de encontrarnos con alguien cara a cara. No te importa decir lo que piensas o enfrentar a alguien que quieres porque sabes que no pierdes nada si lo haces, solo puedes ganar. Los sitios tambiйn son divididos en inter-grupos, es decir si eres de alguna religiуn o origen йtnico, nacionalidad, hobbies, preferencias sexuales, etc. Si buscas a alguien que sea como tu, en los sitios de Internet lo puedes encontrar. Otro de los beneficios de encontrar pareja en lнnea, es que lo puedes hacer en cualquier momento del dнa, desde cualquier computadora que desees. Si no puedes dormir, y estas sin nada que hacer, sabes que hay alguien del otro lado del monitor que se encuentra igual que ti. Puede ser en tu ciudad, o en cualquier otro lugar del mundo. Es tambiйn una manera muy prometedora para abrir tu mente y conocer otras culturas fuera de la tuya. He oнdo muchas historias de parejas amigas que se conocieron por Internet en sitios como JDate, Date. com, y otros. Algunos viven juntos, otros estбn casados y muy felices, otros por supuesto no funcionaron pero lo intentaron. Especialmente para aquellos que trabajan hasta tarde, y no tienen tiempo de salir a bares y conoces a alguien hacerlo en lнnea es ideal. (Especialmente sabiendo que en bares, la mayorнa de la gente busca solo encuentros cortos de una noche, y no mas que eso.) Otra de las ventajas de estos sitios es que la mayorнa de los que estбn alistados realmente buscan pareja y no solo una noche de diversiуn. Algunos buscan solo diversiуn, pero encontraran a otros alistados en la misma secciуn, sin decepcionar a los que buscan pareja. Es todo muy organizado y fбcil de llevar a cabo. Este sistema es desde ya un gran cambio para los mayores de 40, que estaban acostumbrados a otro tipo de interacciуn para encontrar pareja. Sin embargo, no hay duda que Internet hace este proceso mucho mas fбcil y posible para muchos. Pruйbalo y veras!

A structured settlement nightmare don t let this happen to you

Accidents happen. Medical malpractice, while difficult to accept, happens. These are just a couple of instances where forces beyond your control can turn your life upside down and change it forever. Unfortunately, it happens every day. Now, it may be that you can't control these occurrences, but there is a legal system in place that can help you lessen the burden of these events in the coming years. If you are the victim of someone else's negligence get a qualified attorney and go to court. The result should be a a "Structured Settlement" that will pay you on a defined schedule over the course of the agreement. This structured settlement comes in the form of an annuity that a defendant purchases to make the payments due to you. You may ask, "Why can't I get the amount I am awarded in court in one lump sum?". Depending on where you live that may be an option, though more and more states are requiring that structured settlements be used. The reason for this is to protect you as the person getting the money from spending the money in a careless manner that jeopardizes you future financial well being.

Let's look at a real life example. In 1973, Tiffany Adams was born in Memphis with severe brain damage that her parents blamed on her doctor. They sued for malpractice and received a cash settlement of $250,000 in one lump sum. The family's attorney recommended investing the money to create an income that would help take care of Tiffany over the course of her life. Well, as this is not a success story, you can see where this is going. Tiffany's parents wastefully put the money in to the father's business. In a little over 10 years the money to care for Tiffany's was gone. A few years later the parents divorced and Tiffany receives no child support. If that wasn't bad enough, in 1987 Tiffany was in an accident with her wheelchair that caused severe facial injuries. The family won a new settlement from the wheelchair company. This time, however, Tiffany's mother insisted on a structured settlement for the payments. This allows Tiffany's mother to take care of her daughter without the fear of having someone take advantage of her settlement. Accidents and malpractice are things you can not control. What you do, however, with the settlement money you receive is something you can. Be prepared and be informed. Protect you and your family by finding out more about structured settlements and structured settlement annuities.

Child trust funds take a long term view

Andrew Hagger Head of News and Press at Moneyfacts. co. uk looks at the performance of Child Trust Funds, one year on. April 6 2006 marked the first birthday for the Child Trust Fund (CTF), and there are undoubtedly some mums and dads out there who are feeling pretty smug with the performance of the investment that they have chosen. One year on from launch, those who have opted for one of the riskier options will have seen their initial Ј250 deposit grow to over Ј370 if they had opted for the F & C Global Smaller Companies investment trust. This level of growth dwarfs the returns for cash based investments where parents will have seen their Ј250 become approximately Ј262 during the last 12 months. Although the cash return may seem small beer when compared with the dramatic increases seen in some of the equity based CTFs, the situation could have been worse, i. e. they could have been one of the half a million parents who have failed to use their voucher to open an account, thus depriving their siblings of any return whatsoever. For those who have failed to open an account, it is worth remembering that Gordon Brown confirmed in his recent budget that the Government would contribute a further Ј250 (up to Ј500 in some cases) to your chosen fund on your child’s seventh birthday. Both Abbey and Nationwide BS report that over 60% of CTFs opened have been cash based; however when parents see the types of return that have been made in some of the non-stakeholder equity based funds, they may be tempted to switch. However a word of caution before anyone hastily decides to make the move. The funds that offer the potential for greater returns are also those that in more turbulent times are the funds that could lose the most money, so don’t be blinded by just one year’s performance, think of the CTF for what they are – a long term savings and investment account. There is a middle ground that falls somewhere between the cash and investment trust CTFs, namely stakeholder equity based funds that will offer potential of higher returns than cash CTF, but less risky than the non-stakeholder investment trusts. If you are in doubt about what is the best option for your child’s savings, time spent now discussing with an independent financial adviser could prove to have been a worthwhile exercise when your son or daughter gains access to their nest egg on their 18th birthday.

Assistance for seniors in nevada seeking long term care

The state of Nevada has several services and advocacy groups that help the elderly who are in need of long term care. Some of the groups are listed below: Advocate for Elders : Just as the name implies, they are advocates and offer assistance to seniors 60 or older who are primarily homebound. Community Home-Based Initiatives Program (CHIP ) offers non-medical services to seniors 65 and older to help them maintain independence in their own homes rather than being placed in a nursing home. Elder Protective Services (EPS) provides services for seniors 60 and over who may be experiencing abuse, isolation, neglect or exploitation. Homemaker Program: A community based service that believes in home care can help preserve or improve quality of life and reduce the need for unnecessary out of home care. Long Term Ombudsman: Long Term Care Ombudsman Program was created to deal with issues and challenges that residents in long-term care facilities face. The Ombudsman ensures confidentiality of a resident's records and protects the in the event of a complaint. Senior Ride Program: (Clark County only): Senior Ride program provides discounted taxi fares to seniors and people with disabilities living in Clark County . State Health Insurance Assistance Program (SHIP): Provides counseling, information and assistance to Medicare beneficiaries statewide in Nevada. They offer one on one counseling and assistance for problems that seniors encounter with Medicaid supplemental health insurance and long term care options. Tax Assistance/Rent Rebate Program: Seniors 62 and older may receive a rebate of a portion of their property taxes on their own home or by property taxes paid by renter though their rent. Waiver for the Elderly in Adult Residential Care (WEARC): A program for seniors 65 and older that offers a less expensive alternative to supervised care in a residential setting. Please view our recommended sources for insurance quotes and low rates. These are also great sources for information on how to lower your rates and save money every month on your insurance.

Insight into trading what percentage of your trades are winners

An Inquiry into Trading Systems, Money Management and the Human Psyche At a recent seminar, I got involved in an interesting discussion with other attendees centered on trading success. More specifically, the percentage of successful trades and the percent of accuracy you should realistically expect from trading. For whatever reason, our minds tend to focus on accuracy as the primary way of evaluating a speculative endeavor. True to form, accuracy - our mental magnet of making money - has very little to do with finding success. Reality - No Great Expectations By and large, the record of the past teaches us that on balance, the investment newsletter writers (commodity, stock or mutual funds) don't do such a hot job. As a result, taking a quick peak at the advisors' percentage of accuracy in picking winning trades should prove to be at the very least - interesting. In looking into this I primarily focused on: Of the small percentage of winning services, what was the accuracy percentage of these most profitable advisory services? I arbitrarily selected the March 1993, January 1996, March 1997, May 1998 and June 1999. What follows are the figures for the most profitable advisors / service for that month and their percent of accuracy of all trades for the prior 12 months. Mar 1993 Commodity Timing . . . $60,939 . . . 51% Jan 1996 Moore Research . . . . $84,643 . . . 52% Mar 1997 Turtle Talk. . . . . . $79,244 . . . 42% May 1998 Commodity Timing . . . $90,430 . . . 47% Jun 1999 Moore Research . . . . $102,605. . . 54% A key point to remember is that these results are the "best of the best" for the above time periods. On average these services were right 49.2% of the time - our first indication that accuracy percentage doesn't necessarily have much to do with making money. Consistent Winners During the selected timeframe there were four advisors / services that substantially outperformed the others. In other words - they made money. Before we look at their figures, let me point out that none of the top four performers base their approach on the "magical and mystical" stuff like Gann, Elliot, Astrology and the like. In fact, advisor letters touting those methods have the worst performance. The winning letters are, by and large, trend followers to one degree or another. With that in mind, here are the ones that I feel had the best performance. The market letters that had the most consistent and profitable performance and their percentage of winning trades. The dollar figures represent the money they made from their recommendations for the prior 12 months from each of the reporting dates listed above. Top 4 Newsletters . . . . . . . . 5 Year Total Profits . . . % of Winners Commodity Research Bureau . . . . . $158,840 . . . . . . . . 48% Commodity Timing. . . . . . . . . . $224,239 . . . . . . . . 47% Commodity Trend Service . . . . . . $214,858 . . . . . . . . 32% Moore Research. . . . . . . . . . . $242,253 . . . . . . . . 51% Clearly, the winners are not particularly accurate - just very profitable! Now the question begs - What allows them to make money with what would appear on the surface as mediocre accuracy? The answer lies in one of the oldest adages on the street… let your profits run and cut your losses short. In terms of math, this simply means that their average profit per trade is substantially greater than their average loss. The message should be clear and is one based on how real people did in real time and in real world trading - accuracy really doesn't matter all that much. On a side note, the next time someone tells you that all newsletters are a bunch of hot air you may want to show them the figures above. Of course, the counterpart is that you must not take quick little profits. To succeed in this business you've got to hold on for large winning trades because as you can see by these real world examples - accuracy doesn't make you money. This article may be reproduced only in its entirety.

Quel cadeau offrir a vos employes

Les Soirйes Entreprises: Marre des traditionnels restaurants sur des pйniches, ou dans des cabarets traditionnels pour essayer de contenter tout le monde? Pourquoi ne pas rйaliser alors organiser une journйe casino au sein de l'йtablissement. Pour cela, rien de plus simple. L’option premiиre consiste а faire appel а des animateurs de soirйe casino qui, en plus d’apporter le matйriel, vous serviront de croupier pour l’ensemble de vos jeux pour prиs de quatre heures de rire et de dйtente. L'avantage, ces jeux resserrent les йquipes et permet de dйcouvrir la face cachйe de chaque employй. Les cadeaux traditionnels: 1) Les Objets Publicitaires On y retrouve du plus classique а la perfection du Hi-Tech tels les йquipements portatifs de tйlйphonie, les MP3, les DvX, lecteur CD, radio-rйveil, sans oublier les vкtements ou chapeaux personnalisйs, ou encore les cйlиbres stylos plume ou plus original, un livre sur le thиme professionnel de votre choix comme comment s'йpanouir au travail. Eux aussi on la part belle. On en trouve pour tous les budgets et pour tous les goыts. Ces derniers sont d'excellents supports publicitaires pour afficher la marque de votre entreprise. Bien que la plus part des personnes soit dйjа pourvues de ce genre d'accessoires, ces derniers restent banals. Ce qui est sur d'atteindre votre but, ce sont tous les cadeaux de maroquinerie. En effet, sur le cuir, vous pouvez inscrire ou encrer votre logo d'entreprise discrиtement et кtre sur que l'employй l'utilisera. Cela va du simple portefeuille en cuir au porte-documents, sans oublier le confйrencier et le kit de voyage. 2) Pour Noel Traditionnellement, l'entreprise se fixe sur des corbeille d'assortiments gastronomiques composйs de foie gras en boite, avec une mini bouteille de champagne et ou de vin. N'oublions pas non plus les boites de chocolat, re-designer pour l'occasion mais gare а la date d'expiration car combien d'employйs ont dйjа reзu un "chocolat empoisonnй" du fait de la pйremption? Alors pourquoi ne pas innover? Pourquoi ne pas offrir а vos employйs des places de thйвtre, autre que celles proposйes par votre Comitй d'Entreprise. En prix de groupe, cela vous reviendra moins cher et pourrez profitez de cette йconomie en proposant par exemple un dоner gourmet dans la cantine redйcorйe pour l'occasion. Ou encore, pensez aux articles de cuisine, l'art de la table, la salle de bain, autant de lieux "visitйs" rйguliиrement par les consommateurs, et oщ il est donc judicieux de vouloir "placer" des objets publicitaires а leur marques et messages. Citons aussi les outils de jardinage, les plantes, les sets de table, les horloges etc. Autres Idйes Cadeaux: D'autres idйes cadeaux sont prйsentes pour vos employйs. Tenez, par exemple le secteur de la bagagerie publicitaire, les t-shirts et casquettes personnalisйs qui sont de trиs bons supports pour afficher votre marque de maniиre bien visible. Pour vous rendre encore plus original, pensez vacances. Quel est l'йlйment qui vous sera utile pendant vos voyages? Des jumelles? Pourquoi pas? Ou alors un rйfrigйrateur rйchauffeur? Un йquipement de volants et raquettes de badminton pour les remettre en forme? Vous voyez les idйes ne manquent pas.

Home loan refinance mortgage rate

Home refinance in other terms can be called refunding on the same property. Home loan refinances are taken up usually to repay the first home loan and continue the second loan with a favorable rate of interest. A home loan refinance always lowers down the interest rate from the prevalent interest rates. This profitable home loan refinance rate can be the biggest reason to refinance your home loan. There also can be various other different requirements for taking up a second loan or a refinance. Reasons to obtain a Home Loan Refinance You may like to change the tenure period of the first loan. You may even obtain a home loan refinance rate to shorten the duration of the repayment schedule. A quicker repayment helps to unburden the borrower from the loans. Shorter loan tenure may raise the interest rate a little bit. But paying the loan quickly will invariably save a lot of money. Home loan refinance rate, which is bargained hard to get at the desirable rate, is the most important factor for a borrower. Some borrowers would often obtain a home loan refinance rate to change the variable rates of interest to a fixed one. With the refinance loan on the same property you can easily avail a fixed rate of interest. A Fixed rate of interest always remains unchanged throughout the period of the repayment of the loan. It does not get affected by the unstable market of the loan industry. Procedures to obtain the Best Home Loan Refinance Rate The Internet nowadays has made it quite easy and hassle free to search and apply for a home loan refinance. One can search the web to know the loan market. He can compare and judge the best loan package offered by the various lending companies and the banks. To know one's eligibility one can fill in a loan application form with his personal details. The form will ask for the financial details of the borrower. It will need bank statements, credit statements, income proof and other related financial details to judge the eligibility of the customer. After submitting the form online the borrower has to wait for the detailed verification of his credit scores. A thorough checking of all the credit details will ensure the borrower of a grant of home loan refinance. If the credit records are extremely bad the lenders or the banks may also reject the loan application. In this case you may try other lenders to secure the loan. Advantages of a Good Home Loan Refinance Rate If the rate available for a home loan refinance is very low then it can prove to be a good deal saving of money. The home loan refinance rate is bargained between the lender and the borrower to make it as low as possible. The lowest rate will proportionately delineate all the extra costs of repayments and save a lot of money in the process. The home loan refinance rates are to be compared between the various websites offering different quotes, rates and terms. A reasonable comparison and a good bargain will help to resolve the financial problems of the borrowers.

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