Category: Uncategorized

A Paradise For All Shoppers

It is a well-known fact that Singapore is the most-preferred tourist destination in Asia. Besides exotic locales and scrumptious cuisine, shopping is another charm that attracts a huge number of tourists every year to this lion city of Singapore. With around 250 shopping malls including those offering duty-free shopping, Singapore can metaphorically be defined as the paradise of shopping.

Not all the shopping junctions of Singapore can be accumulated at one place. This article presents only a few important places where you must visit once.

Shopping Belt around Orchard Road-Marina Bay
Measuring 5km in length, this is the most famous shopping destination of Singapore that comprises of several malls and centers specializing in different things. Centrepoint, Hilton Shopping Gallery, Ngee Ann City (the largest mall), Suntec City Mall and Tanglin Shopping Centre are famous malls in this belt. Though a bit aged, Far East Shoping Plaza is good place for high-street bargaining on most-modern clothes, gems and music CDs. You can even get any part of your body tattooed (if interested) or just flaunt a bohemian necklace.

Sim Lim Square
To satisfy your high-tech cravings, visit Sim Lim Square, known as the Electronic Mecca. Here you find 6 levels of computer-related shops that offer the best prices in Singapore. Before you make final purchase, go for the lowest prices and just don’t bothered about getting a customers service.

Chinatown, Little India and Kampong Glam
If you are interested in buying for ethnic stuff then visit markets at Chinatown, Little India or Kampong Glam. Though there are some shops at Chinatown, believed to be tacky but still you will really get some nice souvenirs for your friends and family.

Mustafa Centre
Open for 24 *7, Mustafa Centre is known as the last place for Singapore shopping where you get everything from groceries to ethnic jewelry to the latest item in electronics. If you are running short of time, then you should visit this market to get stuff of your choice on cheap rates.

Thieves Market
Located at Sungei Road, Thieves Market is a place which was earlier famous for stolen or second-hand novelty items and handicrafts. The market is still one of the most visited places in Singapore. What you find here are makeshift stalls surrounded by local people bargaining over price. If you are tired of the glitzy Singaporean malls and high-profile markets, then head towards Thieves Market at Sungei Road and who knows you may get something unique and special.

Enjoy shopping at Grand Annual sale
If you are a shop-alcoholic, then visit Singapore during the mid-year when the city organizes the Great Singapore Sale. During this sale time, all major shopping centres mark their prices down for a fixed period time. Enjoy shopping at Great Singapore Sale and avail huge discount on all items. Remember to go there at the beginning and you will get the right shopping deal.

Even the small shops at street markets sell different enticing tourist wares like painted fans, Chinese seals. With so much choices in shopping and duty-free shopping at some shops, who wouldn’t get charmed to Singapore! Before you come to this beautiful Asian tourist destination, book a good Singapore hotel to enjoy your stay at this beautiful city. Reading some Singapore hotel reviews will prove to be a good help to find the best accommodation here.

Bimini Tops For Pontoon Boats Should Have an Amazing Warranty

There are a lot of different bimini tops out there. Or are there? If you really look you will find a lot of DISTRIBUTORS out there that sell bimini tops made by companies like Carver, Attwood, and Taylor Made. Sure you can find some that manufacture their own but how well do those companies stand behind their work? You can tell the confidence a company has in its products by the warranty it is willing to put on it. Many businesses simply warrant the material. For example Sunbrella has a 10 year warranty against fading and deteriorating. Glen Raven Mills who makes sunbrella warrants the material, not the bimini top manufacturer. But what about the craftsmanship of the bimini top itself? You may find some distributors and manufacturers that will give you a 2-3 year warranty on their craftsmanship. I find this insulting and you should too. Basically they are letting you know that they are not confident in either their ability to sew a quality item or they are not willing to use the correct raw materials to do so.

The main factor that determines cost of a bimini top is the fabric. The fabric manufacturer such as Glen Raven Mills’ Sunbrella already warrants the material. All that is left to a bimini top are zippers, thread, and binding -also called edging. These are very inexpensive items. You shouldn’t have to buy a brand new bimini because your zippers break. You also shouldn’t have to pay a custom canvas shop a lot of money to replace that zipper. You SHOULD be able to send it to the company that manufactured it and have them fix it for you. These items are inexpensive for the manufacturer and these are items that you can’t walk into a big box store to buy. You are at the mercy of the manufacturer or a custom canvas shop to have your bimini top repaired. There is at least one company out there doing what is right- they guarantee their work for the entire time you own their bimini top and frame.

When you are shoping for a new bimini top and frame make sure the company you buy your bimini top from only use marine grade thread that is treated to hold up against UV rays. They should use YKK or Lenzip zippers with metal sliders not plastic sliders. They should use color matched binding and send the entire bimini top through a machine called a surger to make sure the material will not unravel around the edges. The front and rear “pockets” (pieces of material that go around the framework) should be sewn down with three lock stitches instead of just one. This ensures the bimini top won’t separate when tension is applied to the frame to hold the fabric tight. A zipper is usually utilized in the pocket so it can zip around the framework.

Heavy duty stainless strap hooks and heavyweight webbing straps should also be utilized. All the parts that hold the framework together should be treated to resist UV rays. Their should be a warranty on those parts as well. Should you break a strap or the pieces that hold the frame together, you should be able to have those parts replaced for free. Why? Because they are inexpensive items and your piece of mind that you have a company standing behind you is worth it. You are also more prone to tell your family and friends about a company that will do this for you. It just makes sense for everyone.

It will pay off for you to do your homework on the company you buy your bimini top from. Make sure you ask these questions and demand answers. Make sure you are aware of what kind of service after the sale you will be getting. If the company you want to buy the bimini top from does not offer a warranty for more than a few years put them on the spot and ask why. Demand better. Demand service. Demand quality.

Northstar Products’ mission is to provide boat owners with high quality parts and products for their boats. We strive to do this at the lowest possible prices while still retaining a high level of customer service. We will exceed your expectations with our quality, timeliness, and professionalism. We are committed to making sure you are pleased with your purchase now and in the future. Northstar has been designing and building canvas for boats for over 35 years. Let our expertise and experience help guide you in making a good decision. If we can’t help you we will point you in the direction of someone who can. Our goal as a fellow boater is to give you the best products at the best prices with the best warranties.

Build Your Website With CMS and Do Something About SEO

Maybe you have always found out many pretty websites which are designed to show a cool flash or huge image, but they will be difficult to be searched in some main search engine such as Google, Yahoo!, Bing and so on. Why? Just like sometime you want to search the homepage of a company, but finally you get a list of advertisements or comments about this company. You must be puzzled, because you did search the information about this company by the name of it.

It is a truth that you have to do some SEO job if you want to make your website can be searched easily, or in other words, you want to make your website to be shown as the first search result in the result list when search engineer’s users enter the keywords about your website.

In fact, it is too difficult to build a new website for a webmaster whom knows little about HTML, CSS, PHP, AJAX and JavaScript. But now you can use many popular CMS (content management system) to build the whole of the website. For example, Joomla!, Durpal and WordPress are popular CMS based on PHP, they can help you set up your website and do some optimize. By the help of CMS, you can add new users, articles and mulmedia documents into your website easily. Besides, you can also add some kinds of plug-ins and mudules to achieve many special functions such as Authentication Control, C2C Shoping Cart and so on.

Especially, you can also change the templates by the CMS in order to beautify your website. And you can also modify some settings to optimize your website. Usually we will make the URLs more friendly to search engine, and set the keywords and description of the website.

GPS Shopping Tips

When looking for automotive GPS systems, it will all seem confusing at first due to the wide variety of pricing, features and brands. In fact there are probably hundreds of models available today. Also, the price can vary greatly from model to model, depending on the features. When searching for automotive GPS units, you first have to know what options are available. Do you want just a standard system that can help you travel from one place to another, or do you want something more sophisticated with additional capabilities? If you just need something basic, then you should look at a price range at the lower end of the scale. Some of the options available for automotive GPS include widescreen or standard size, preloaded maps, Touch screen to easily look up addresses and services, voice-prompted, turn-by-turn directions that speak street names to your destination, and some and will calculate a more fuel-efficient route for you. Also, do you want Bluetooth capabilities?

Another thing which you might want to consider is if it is small enough and light enough to carry it with you when you get to your destination and the ability to continue to use it while wandering on foot and how long the battery will hold up; is it long enough for an all-day outing or do you only want to be able to find your car again after a day of shoping at the mall? Be sure to check to see whether it is waterproof or not; if you are considering using it on your motorcycle, bike or boat as well as in your car, this is an important factor. Several automotive GPS units are excellent to be used for either land or marine use and can be handy for that weekend fisherman.

How to Grab Cheap Contract Mobile Phones

Today, no-one can underestimate the value of mobile phones in everyday-lifestyle. They have become all the more significant and serve as a good friend in times of need. No-matter where one is, he can always be in close contract with his near and dear ones with the help of his mobile phone. Now, coming to the UK mobile industry, it is undoubtedly one of the five main European mobile-markets and offers a plethora of mobile phone deals to people in the UK.

Contract mobile phones serve as a great tool of communication for people who love to make regular calls and send messages to their kith and kins. Here the interested person signs an agreement with a particular mobile service provider, say Orange and enjoys its services until the contract term comes to its end. This term generally ranges from 12 to 24 months. However, during this time-period, the user is not permitted to shift to any other service provider. Once the contract term comes to its end, the user is free to either remain with the same provider or to shift to any other operator. Here the user is only required to pay monthly phone bills and is showered upon a lot of freebies in the form of free texts, free calls, laptops, LCD TV, etc.

If a person says yes for contract deals, he wins a number of free gifts with contract phones which have been mentioned above. However, the list of free gifts do not stop here and keeps getting bigger as the user also stands a very good chance to win digital cameras, gaming consoles and automatic cashback offers. Contract deals act as a pain-killer for those who want to buy the latest high-end mobile phones and at the same time, do not want to burn their pockets. One can grab any latest mobile phone from all the leading brands with these deals. Be it Nokia, Samsung, Sony Ericsson, LG, Motorola, Blackberry or any other brand. These phone deals are available on all the leading service providers including O2, Orange, Vodafone, T-Mobile and Virgin.

Now, when it comes to buying cheap contract mobile phones in the UK, the presence of various online mobile shops are making the whole process all the more easier and simpler. These online shops allow their users to compare amongst the available phone deals and thus, let them pick-up the best of the best phone deals for themselves. Besides these online shopes, one can also visit any brick and mortar shop and pick up a deal which goes in perfect sync with his needs and budget. However, it is the online shopping that is gaining steam in the UK and also saves the users from unnecessary time and money wastages.

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.

Some of the Biggest Mistakes When Looking For a Motorcycle Loan

The Essentials in deciding On Motorcycle Loan.

Sometimes the necessity or excitement of owning a motorcycle cast a bad spell on our buying decisions, especially when the purchase form is a loan. So, before making that impulsive mistake only to regret later consider these essential factors when deciding to apply for a motorcycle loan.

  1. Interest Rates:

The moment you think of a loan, the interest rate coupled with it should ring a bell. Most often attract interest rates over shadow the risk factors involved. Always begin with good amount of research and comparison of interest rates. You do not want the burden of high interest rates steal the joy of riding your new bike!

  1. Smart negotiation:

When you are about to make a purchase decision, do not merely focus on the form of payment and negotiate on how you intend to go about it. A smart negotiation effort would include, negotiating on the payment. Payment always precedes the payment method!

  1. Loan Inclusions:

Discuss with the lender all the accessories that the loan is inclusive off. You do not want to pay additional bills besides paying off your loan. The wiser discussion and decision would be to know about the inclusions and the exclusions of the loan you have applied for.

  1. Loan security:

Always consider what is at stake should you face difficulty in paying off your loan. Some lenders hold the purchased motorcycle as the security, failing to pay will mean ceasing your bike. Some other lenders may consider other collaterals as security. Unsecured loan plans are other alternatives but comes with a high cost of increased interest rates. So, your loan security should be well thought through deliberate decisions considering all the risks involved. You do not want to risk something in vain!

  1. Loan penalties:

Pause before you sign your loan agreement. Although knowing the details of the penalties tailed to your loan amount can be cumbersome and you want to skip through it, it may not be the best of your decision. At best, avoid signing loan agreements that come with stringent penalties. A decision in time, saves you from a future disaster!

  1. Easy loan termination:

Most lenders allow early clearance of your loan and some do not. It is best for you to verify the termination policies before you sign that loan agreement. You do not want to pay with interest rates, while you own the money to clear a credit.

Owning a motorcycle is useful as well as exciting, but what is more important is sustaining both while using it. Using the right loan tailored to your needs is worth every effort.

Hidden Advantages of Outsourcing Services for the Car Loan Industry

Let us face the reality that today, we live in a ‘do-it-yourself’ way of life. As they should, people want to show off their auto repairs, home improvement projects, and many other tasks that majority of us would more often not seek professionals to perform the task, as they just prefer to do it by themselves.

It is absolutely a great value in a number of ways. You can gain expertise from your experience. Sometimes, it does not necessarily mean that it is a better way to go from doing something by yourself because oftentimes, it pays more to hand over and look someone for help.

Many of the car loan businesses are beginning to worry about not only getting in the game but also in maximizing their returns with all sizes racing to compete in the lending market. To outsource car loan business services, many industry experts understand that it is often considered more cost-effective.The most obvious reason for doing this is because industries don’t have to hire new staffs or underwriters solely for car loan operations and services. You have to keep in mind that those industries are also avoiding the other expenses related to assisting the infrastructure associated with an internal underwriting team.

But the advantages don’t stop there because there are a number of hidden advantages that many businesses fail to consider when entertaining ideas of outsourcing their car loan business processing that includes staffing and funding. Here are some of the hidden advantages of outsourcing for car loan business:

Increase the Number of Loans that Leads to More Net Profit

Just consider it as any consumer business committing to sales. As this dealer management is all about being able to see, looking for your niche and catering your offers to the biggest needs of your dealers. Better and stronger relationship with dealers and having more dealerships in the network in order to drive portfolio growth is one of the end goals of outsourcing some services when you are in the car loan business.

Improved Relationships with Customers

Your staff will be able to intensify its focus on strengthening relationships with your customers- making visits, gathering feedback and better addressing their needs that will drive growth for your car loan business portfolio.

A Guideline that Allows the Outsourcing Provider to Serve as an Extension of Your Car Finance Team

Your outsourced car loan provider should be able to efficiently, quickly, and easily customize its financing scorecard to fit your representation. By doing this, it guarantees that making a decision for car loan financing is consistent and fits your appetite and business plan.

Access to Consultation and Expertise

It allows your business to avoid common pitfalls that businesses fall victim to when trying to get in-house functions off the ground when outsourcing your car loan business processing. Through outsourcing, those businesses must hire the expertise that is readily available.

After-Hours Process

By waiting until the next business day to respond to proposals, don’t miss out on those deals especially over the weekend when many consumers have time to hunt for motorcycles, cars, and trucks.

It will absolutely offer a significant benefit over businesses with in-house operations that are confined to traditional business hours when you have an access to after-hours processing service.

Are you ready to revolutionize the way you do business? Grow your business by outsourcing.

Systematic and Unsystematic Risks: How to Mitigate Them

There are always risks in the business world. Understanding these risks enables us to seek the most effective approaches to mitigate them. What are these risks and how can they be categorized?

There are two major components of risk: systematic and unsystematic. Let’s explore each risk and learn the best way to mitigate it.

Systematic Risk
Systematic risk, also known as “market risk” or “un-diversifiable risk”, is a result of external and uncontrollable variables, which are not industry or security specific. Generally unavoidable, it affects the entire market leading to the fluctuation in prices of all the securities. The risk can be attributed to a number of broad economic factors such as inflation, changes in interest rates, fluctuations in currencies, recessions, etc.

Since systematic risks cannot be controlled, investors can avoid them by staying away from all risky investments.

Financial Planning- Mitigating Systematic Risk
Systematic risks can be mitigated with certain courses of action. How can they be mitigated?

Asset allocation can partially mitigate systematic risks. Owning different asset categories (i.e. bonds, cash, commodities, etc.) with low or zero correlation helps because they reach differently to macroeconomic factors; some asset categories may increase and others may fall.

Asset allocation should also be adjusted according to valuations. Investments that are overpriced should be avoided or owned less. When mitigating systematic risks within a diversified portfolio, cash may be the most important and under-appreciated asset category.

Another way to reduce systematic risk is through hedging. Investors can use options such as purchasing protective puts on their securities. A protective put is risk-management strategy that investors use to guard against the loss of unrealized gains. Put value will rise if securities value drops. However, options are for a certain time and once they expire, investors need to buy new ones to stay hedged.

Unsystematic Risk
In contrast, unsystematic risk refers to risk factors that are specific to a company, industry and sector, and can be controlled to a certain degree. These factors include a company’s management, financial practices, financial health, and its competitive position in the market.

Financial Planning- Mitigating Unsystematic Risk
Unsystematic risk can be reduced by diversifying. To achieve this, the investor can diversify its product portfolio so the revenues are not solely dependent from a few products only. Much risk is reduced when an investor’s risk is spread among different industries (such as banking or healthcare) and asset classes. For example, if an investor owns a diversified portfolio of more than 10 individual investments as opposed to only one, the damage done to their portfolio is minimized when something negative happens to some of the companies.

Again, unsystematic risk can be nearly eliminated by diversification as it is not correlated to market risk.

Both systematic and unsystematic risks are part and parcel of businesses. Through risk management solutions as mentioned above, these risks can be partially mitigated, and investors will be able to see an increase in portfolio returns and optimization in investment portfolio.

Seven Cures for a Lean Purse

1. Make your purse – or wallet – get fatter.

That doesn’t mean filling it with receipts for all the items you’ve bought with your credit card. It means, fill your purse with money. And the best way to do that is to spend less than you earn. This cure follows from the first law of gold that we looked at last week: aim to save 10% of your income. Minimum. Save more than that if you can. Save for the long term, for your mortgage deposit or pension, depending on where you are in life. If you need to save for short to medium term things, such as a holiday or car, that should be in addition to and separate from the 10%+ that you save for your long-term needs.

Your 10% can include your pension contributions, ISAs, premium bonds or any kind of high interest/restricted access savings account. With compound interest, your purse will get very plump over the coming months and years, even if interest rates remain low.

2. Control your expenditure.

If you’re going to save at least 10% of your income for the long-term, you must make sure that your current spending is no more than 90% of your income. This means wherever you are on the income scale, you’ll need to apply some self-discipline when it comes to treating yourself and your loved ones.

For a start, keep your credit card(s) for emergency use only, and if you do use them, pay them off before you start racking up interest. Similarly, avoid taking out loans, unless you can justify the interest you’ll end up paying for that privilege. A car acquired on one of the popular leasing schemes can be justified if it’s essential for your work or business. But a loan for a holiday? Staycation would be a better choice. Learn to distinguish between wants and needs. A roof over your head and food on the table are needs; a month in the Maldives is a desire. Treat yourself to that when you have saved 10% of your income for a year or two and you can afford to fly off to paradise without dipping into those savings.

The secret to controlling your expenditure is to build a budget and then stick to it. If you have Microsoft Excel you can download a template to help you track your spending over a week or month. You can also find ready-made templates on the internet or apps for your phone. Work out how much you spend on mortgage, rent, travel to work etc. and set yourself limits on items such as eating out, entertainment, travel etc. This will help you keep below 90% of your income.

3. Make your money multiply.

You are looking for steady returns over the long-term, not a lottery win. What you need is a steady increase in your capital, your core wealth, such as compound interest from an ISA or savings account, or – more risky – dividends from shares you hold in well-managed companies, including your employer, if they have an employee share ownership scheme. If you are not an expert in financial products and investment vehicles, find someone who is. Don’t make any commitments until you talk to a professional financial adviser. Explain what your investment goals are and ask them to help you develop a plan for realising achieving them.

4. Guard yourself from loss.

The sickening nightmare of seeing your dreams of wealth turn to dust as Bitcoin plummets or the bloke you met in the pub the other night disappears with your life savings. One way to guard against loss is to make it an unbreakable rule that you do not touch that core wealth that you are saving and investing for the long-term. Keep a ring of steel around that! If you are tempted to try your luck with Bitcoin or currency trading, only use money that you can afford to lose. That means any money that you have left over after you have saved your 10%, paid the bills and filled your belly. Money that you might otherwise spend on nights out can be handed over to the online bookies, if you can budget for it – see the second cure above. Never use a credit card or a loan for spread betting, gambling or any high risk investments. Before you engage in any high risk investing or betting, though, make sure you have thoroughly researched the field and that you understand what you’re getting into. If online poker is your dream, practice with your mates for match sticks first.

5. Make your home a profitable investment.

Owning your own home (and ideally a few buy to let properties) has become an obsession over the last thirty or forty years. Given the way property prices have ballooned over that time, it makes perfect sense to get on the property ladder as soon as you can, particularly when house prices are increasing at a much faster rate than incomes.

However, be aware that at some point the bubble may burst. Yes, people have been saying that for years and it hasn’t happened yet. But it is becoming increasingly likely that the authorities will take steps to let some of the air out of the property market. Potential measures include revaluing property tax bands and punitive taxes on buy to let properties and properties left empty. A major increase in house building is unlikely to have much impact on house prices by itself, but when combined with the potential tax changes, we could see prices reach a plateau and stay there for some time.

Given all that, the best approach is to find an affordable house or flat in an area where you would like to live for the foreseeable future, bearing in mind such things as local amenities, schools and the journey to work. Think also of the benefits of paying a mortgage and gradually acquiring total ownership (leasehold and freehold issues aside) of your home over 25 or 30 years, compared with being beholden to a landlord who can raise the rent or evict you at a month’s notice, and who will still own the roof over your head despite all the £000s you put in his or her pocket.

If you can’t afford to buy outright in the area where you want to live or work, consider such options as shared ownership and self-build. Check out what schemes are available in the area where you want to live.

If you already own your own home you can use it to generate extra income by taking in a lodger. If you live in a major city, a good source of lodgers is contractors – professional people working on a project local to you who need a place to stay for a few months and don’t want to use hotels. Often they will go home for the weekend so you have the place to yourself. Another option is to take in exchange students. They will usually come in for a week or two. You provide them with a bed, breakfast, a packed lunch and an evening meal, and get paid for doing so. Another option is to use your home for holiday lets while you’re on holiday yourself. This works particularly well if you live in a major city or a historic town.

Even if you rent, take a lodger (if your landlord will allow this) or run a home business (see below). You can still make your home a source of extra income, even if you don’t own it.

Two other things to consider. First, home and contents insurance. Make sure you have adequate cover for the worst that can happen: fire, flood, burglary. Second, if you have a mortgage, look at insuring it against unemployment and illness. Take advice and make sure that any policies you take out are fit for purpose and will pay out if the worst happens.

6. Develop a future income.

Who wouldn’t want to wake up in the morning knowing that whatever happens, they are assured of a steady income for eternity? Well, you can achieve this through your long-term savings, that 10%+ that you put by month after month, year after year.

When you talk to your financial adviser (as you must!) about your saving and investment goals, the first two issues you should focus on are a pension for you (and your partner, if you have one) and providing for your family when you’re no longer around, i.e. life insurance. Your financial adviser should also point you to other investments that can deliver additional income for you and your family, such as ISAs, unit trusts and government bonds.

Your aim is to ensure an adequate income for a long old age. Remember, people are living longer, but not always healthier. It’s not pleasant, I know, but think about the worst that can happen to you (short of an early death). You or your partner become chronically ill or disabled and need long-term care. How will you fund that? If you sell your home what will you leave to your children. This is the kind of issue you need to discuss with a financial adviser. You need a pension, plus other income streams, that will pay for all your needs for perhaps thirty or forty years after you stop working. Develop a plan, implement it, then get on with enjoying life.

7. Increase your ability to earn.

There is no such thing as a job for life anymore. These days, even professional occupations such as lawyer, accountant and insurance underwriter are threatened with automation and off-shoring. So, it makes sense to develop additional skills that you can make use of if you find yourself out of work.

If you think you’re at risk of being replaced by a robot, you should look very carefully at “future-proofing” your career. Think about jobs that are unlikely to be automated or off-shored in the future. They tend to be ones that involve face to face contact e.g. complementary therapies, nail technician hair stylist, personal trainer, life coach, counsellor. Also, jobs where a local presence is essential: electrician, plumber, lock-smith, builder.

Of course, many of these jobs are relatively low-paid and are in highly competitive sectors. That means you need to find a unique selling point: something you do that no one else does, or no one else does as well as you. Focus on something you are genuinely interested in – or better still, passionate about – and that you know you can be brilliant at. Be realistic about the potential income, the competition and the time and energy needed to make it work. Unless you already have experience in your chosen field, you will need to devote a lot of time, and perhaps money, to acquiring the necessary skills and certifications. You will also need to decide how you will operate: sole trader, limited company, franchise? Take advice before committing yourself to anything.

A popular option for generating extra income is online selling. Even if you’re in full time work and happy with your income, you can try it in your spare time and get a feel for what’s involved. A regular declutter will reveal all sorts of things you can sell: clothes, DVDs, mobile phones, unwanted presents. If you enjoy online selling, you could develop a successful business without risking your core capital.

Which Cash Flow Quadrant You Are In

A great number of people don’t have an idea of Cash Flow Quadrants. Are you one of them? If yes, no problem. Today, we are going to have a look at the same which have divided all the population of our world in different classifications. These cash flow quadrants are:

E Quadrant: You have a job and works as an employee for a company/organization

S Quadrant: You are self-employed and own your job

B Quadrant: You are a business owner and have a team to work for you

I Quadrant: You invest money in different businesses and money works for you

This gives you a very clear picture of what classification you are in and the financial status you have right now. Most of all, these four quadrants have four different mindsets and values. Many people will be surprised to know that. Let’s take a detailed look at it:

E Quadrant:

E stands for ’employee’. More than 65% of the total population around the globe comes under E quadrant. These people work for others. You have heard the elders advising you like: study whole heartedly, have good marks and grades, and you will get a handsome job. Earning a hi-profile degree like MBA, engineering etc. is considered necessary for getting a highly paid job.

Now matter how high scale of a job you have, but it would be a mere job. Whether you have a seat of executive or a clerk, you will be recruited under specific rules and regulations. Both of the executive and clerk get salary at the end of the month, and privileges along with it. Though, there is a hell of a difference between the level of a hi-class officer and a clerk, however, one thing is quite same: if you stop going office due to any reason, you won’t get salary any more.

Also, a fixed salary is enough only for meeting the monthly expenses, making savings like mutual funds, and/or purchasing stock market shares. This cash flow quadrant gives you security and a steady paycheck every month so you stay satisfied. But have you ever thought that this security is only a temporary thing? Money is coming only in case you keep on going office regularly. If you are fired, or retired, no more paychecks will be arriving. Also, you can’t continue working in old age. You must have to do something for retirement before it comes. Therefore, the job security is only for the time before retirement.

S Quadrant:

S stands for self-employed or small business. The people who work for themselves and own that work, come under this category. Like, you run a shop/store, or a website on a small level or single-handedly. This quadrant brings more satisfaction and freedom as you don’t have to work for someone else. You are your own boss. However, it is also like E quadrant. You or your staff has to work to keep the money coming. Therefore, people in this quadrant are also forced to work continually.

B Quadrant:

B stands for business. Medium or big sized business owners come in this category. Moving and staying in this quadrant needs a lot of effort, patience, time, expertise and experience, and above all, leadership qualities. If you want to move in to this quadrant, you need to possess all these qualities. Here, you are the boss and in driver’s seat. Your team and workers work for you, rather you go to work or attend the office daily. You just need to supervise the business operations and take decisions. If you are a great leader and action taker also, you can uplift your business and team to the highest level of success and achievement.

This quadrant gives you the freedom of time and money. The best advice for moving in this quadrant is that you should start with a small business and expand it gradually. You can keep on doing a job for earning a steady monthly income while give a few hours daily to your business also.

I Quadrant: The Superlative Cash Flow Quadrant

I for investor is the advanced level of owning and running a business. When you have plenty of money, you don’t need to do anything. Rather, money will do everything for you. This quadrant gives you the highest level of freedom – freedom of time and money.

After completing 10 to 12 fruitful years in business, you can become a successful investor. However, it needs great experience and knowledge of market ups and downs. Planning and joining successful business groups make moving into this quadrant easy for you.

E and S quadrants are called poor or mediocre person’s quadrants. These people can’t enjoy life as they are bound to work to earn money. These two are called active income quadrants. No work; no money, this is as simple.

Whereas in B and I quadrants, as long as you run the business and invest wisely, you don’t need to worry at all. This ‘passive income’ continues to come. If you want to be rich and to build wealth, you can do it in B and I quadrants only. But first, you will have to change your thinking patterns and have a mindset of business person and investor.

Gradually and constantly, you can move from the first and second quadrant to the third and even forth one. It is quite possible. So, don’t wait and start planning right now. When you decide to change your destiny, nothing can stop you from achieving your goal.

5 Reasons Why Finding the Right Tax Pro Can Save You Thousands

Winters are tough, and just when you emerge from your home on the first nice days of spring, you realize it’s tax season (rest assured, every tax pro is prepared). You grumble and throw a fit because your tax planning has been less than stellar. Now, even though tax season comes around the same time every, single year, we seem to find ourselves completely lost as to where to begin the process of reporting our taxes to Uncle Sam.

This season can be different, though, because you have begun considering hiring a tax planning professional to help get your financial station in life at least a bit more organized. The problem is you may have never worked with a tax planning pro, so where do you start? You’ve become so used to the idea that even though your tax work wasn’t perfect, it was at least free. Now, with an investment in a tax pro service, you’re wondering if it’s the right idea.

Here are five reasons finding the right tax professional is not only a smart decision but can save you a lot of money:

1. Provide Info on Your Income – You need to be able to provide detailed information about the income coming into your home. This includes you and your spouse. Keep in mind you also have to declare income from side jobs as well as investments. The great thing is your tax expert will shine some light on where you can actually add deductions to your taxes, which means more money in your pocket.

2. Account For Your Banking – A tax pro can take your bank account information, individual accounts or joint accounts, and let you know where they belong on your tax return. No more guessing games as inconsistencies can lead to audits down the road.

3. Make Note of Your Deductions – Deductions are categorized as either business (i.e., utility bills, mileage, office supplies). or non-business (i.e., property taxes, student loans, charitable donations), and your tax guru can help you see if there is money you’re missing out on.

4. Have Tax Documents Ready to Go – Sometimes you’ll be asked to provide pay stubs, previous tax returns, investment records, and pension information. This level of detail is key because the right tax professional will demand no less. It’s all about accountability on your part of the process.

5. Don’t Expect Immediate Answers & Numbers – Your tax professional needs to be able to assess your financial situation, and that takes time. They need to crunch the numbers to find out what type of money you may owe the IRS. Moreover, they may actually be able to look at your tax history and see if there is money that is owed to you.

Even if this is your first time working with a tax pro, always remember that it is a step that is never too late to make.

Time Is Non-Existent in Reality But Is Man’s Invention for Taxes and Slavery

The mind cannot perceive a world without time. Likewise, it cannot consider the concept of ‘always’. Something must have a starting point and ending for our convenience of reality. But our thinking is wrong and so too is the relationship we have with the Spirit of the Universe, the one and only God. This is the norm as shown to me by my reincarnation and journey from life to life.

My death was sudden and amazing. Nothing of it is recalled except when my ‘being’ floated above the body, that of a 45 years old man. Then in total darkness, completely black, and with the Spirit the feeling was absolute euphoria. There was nothing to see and no one to meet. There was no tunnel, music, light, or magic.

A vision was given of my next life ahead and that at 45 years (the age of my death) something extraordinary would happen to make sense of it. Floating then above my new parents as they were married (a date well recorded) my birth occurred a month later.

Only in man’s world of false reality is time important. Beyond death there is no time, no sense of haste or tardiness, and certainly no devils, angels, saints, or heavenly kingdom. This is completely opposite to the general consensus of opinion. So why is that so?

The things spoken of here are known by all members of humanity and yet they push it aside to adopt the awful brain-induced stories of false concepts and powerful leaders. Logic is destroyed so that regimental control over the masses is secured. It is, therefore, governed by the economic system, and politics.

The topic here, however, is about time and why it is non-existent in God’s reality? When one is divorced from the need to be governed by it then it almost ceases to exist. If one were to leave society and live off the land in a jungle somewhere there is no week, no morning or afternoon, and no sense of rising and sleeping to the tune of a clock.

The body enforces its needs through hunger and tiredness. So when and why did time take effect? It could only have been because of kings and regimentation of their subjects.

One of the great learning stories from white settlers in Australia is that the native people had no concept of time. In their world they had no counting system and seasons were something they knew only by when trees flowered and animals became more plentiful.

This points to another fact about why people in the Western nations were hooked onto it. Sedentary life, as in the so-called ‘civilised’ world, produced systems of exchange that took a turn from the norm. In the growing cities of the Near-East the people invented writing and records of goods were kept. Kings demanded portions of crops and so on for wealth.

With this new method of commerce money soon followed and then taxation and so on. Time became the most useful commodity when industry developed and people were employed rather than enslaved. They were now servants of time and gradually this has overtaken the world.

Called by the Spirit, at the age of 45 years, into a learning phase the things that have come to light are astounding. The deception by which the Establishment is run and the lies and deceit of its power have all but wiped out the need for a Divine influence. Religions and institutions are governed by the greed they deceitfully claim to oppose.

Time is their greatest weapon and working for their lives rather than being dependent on the Spirit is now the entrenched system universally. From the time of the Romans we have seen the world in a steady decline and now it is on the brink of destruction.

“And for this cause God shall send them strong delusion that they should believe a lie: That they all might be damned who believed not the truth, but had pleasure in unrighteousness.” II Thessalonians 2:11,12

The depth of the lie starts with time and institutions that created fake gods and who support the creation of wealth and power for their own preservation. Time is the product of that deception and in the reality of the Universal Spirit it is non-existent.

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