1 The Intricacies Involved in the Birth of Gold

Gold investments are preferred as hedges in times of economic uncertainties. Whenever the government keeps its printing presses working overtime to stimulate the economy, the U.S. dollar is found to get devalued and during such times the price of gold rises. In addition, the past eleven years have been witness to the fact that gold begins each year with a certain value, suffers a few corrections and then ends the year with a value higher than what it started with, in that year.

All of us have a fair idea of investing in gold and the various ways in which the same can be done. But would it not be interesting to know how gold comes into the market?

Well, there are four major steps that are involved in this process. They are as follows:

Gold Prospecting

As a metal, gold is present in minute quantities in soil and rocks and in comparative abundance in certain other areas where mining can generate good yields of the yellow metal. In the latter case, there may be pure gold deposits or deposits constituting a combination of gold and other metals like silver, etc. Prospectors search for these regions and this method is referred to as prospecting. When such areas are identified, these prospectors or scientists do the drilling work and acquire samples so that they can be probed for the quantity of gold present therein. If they believe that gold is available there in sufficient quantities and that further process will be worth the effort, there are probable chances of them setting up mining operations.

Gold Mining

1. If solid rock contains the gold that has been explored by the Prospecting stage and if this rock is present at the surface of the earth, the open-pit mining system is employed. This involves drilling a pattern of holes into which explosives are filled and detonated in order to break the ground up. These lode deposits are then laden onto haul trucks.
2. If the rock that is concentrated with gold is present under the earth’s surface, then a shaft, also referred to as an Adit is drilled into the ground so that the lode deposit can be easily accessed. Then long vertical tunnels are dug and the ore blocks are loaded with explosives which are later detonated; the ore that breaks due to the same falls at the foot of the stopes (tunnels) and loaded onto the trucks.
3. Sometimes gold is present in loose form along with sand and other ingredients on the beach and similar other places. This mixture is mixed with a lot of water and allowed to settle down. The density of gold being more than that of the other materials, it sinks faster to settle at the bottom. In many cases, the process of Panning is adopted wherein the miners use pans, either metallic or plastic-made so that gold can be separated.

Gold Extraction

After the mining step, there is breaking down of bigger rock pieces containing gold by crushers into pieces as small as road gravels. These are subject to rotation by drums filled with steel balls and then ground to fine powder or slurry. This is then formed into a pulp by mixing with water and run through leaching tanks using cyanide to dissolve the gold, which in turn attaches itself to carbon on the introduction of the grains of the latter to the tank. When the pulp is filtered through the screens, the carbon which bears the gold gets separated. Further process involves electro winning and gold is collected on the negative terminal after it is placed in a cell and a strong electric current is delivered to the solution.

Refining

The negative terminals of the furnace are melted at around 2,100º F in a process called smelting and flux is added to the molten mixture so that gold gets separated and is sent to refineries.

As the U.S. economy is not showing any immediate indications of a healthy recovery many financial experts opine that the time could come when we would have to again resort to the gold standard. After the recent quantitative easing round, it will not be long before the next one will be waiting in line following the apprehension of yet another recession befalling the nation; not forgetting the problem of the fiscal cliff, tax , spending cuts and other major factors doing their best to further cripple the economy of the nation.

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This article is written by Abby Joseph on behalf of Profit Confidential. You can find more interesting stuffs about gold and its investment here or by following it on Facebook.

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1 Why Order Management Is the Secret to Great Seller Ratings

When you run an ecommerce website or network of sites, you don't have to deal with unhappy customers at the face-to-face level. However, you still need to do your best to make each transaction a positive experience for consumers. Any successful retail or wholesale business relies on customers that are motivated to return for another transaction in the future. A few dedicated customers can help boost you from a fledgling ecommerce company to the road towards becoming a multinational success. Proper order management ensures you offer the optimal shopping experience from beginning to end.

Scattered Information

Data gathered by AMR Research shows that about 90% of all companies are still failing to completely integrate the fulfillment process after a customer orders. Time and money is lost when the employees handling the packaging are failing to receive packing orders due to messaging issues. Customers want their products shipped promptly and delivered in perfect condition. If your orders must be printed out before they are filled and shipped, a single lost sheet of paper could cause a customer's request to be ignored for days or even weeks. One very unhappy customer can have quite a serious impact on your reputation, according to NetSuite. This is especially true if you are using a platform like Amazon or eBay as part of your ecommerce strategy. These large marketplaces put a lot of emphasis on customer feedback. You can lose your Amazon store account if your customers file complaints for more than 1% of your total transactions.

Improved Efficiency

The right order management system allows you to streamline the entire ecommerce process. The system has controls to speed up each step, starting with the moment the customer places the order. Messages are sent to the packing department or the drop-shipper you are working with. Internet Retailer also says that many management systems even include support for automatic inventory re-ordering with your favorite suppliers. This can ensure that your customers aren't disappointed when a peak in demand for one product causes supply chain issues.

Proper management helps your packages leave your warehouse as quickly as possible. When you can ship a product within just a few hours of receiving the order, your customers can have their products in as little as one day. These customers will make hearty recommendations when they find that your ordering and shipping process is smooth and effective, according to Internet Retailer. You won't have to deal with negative feedback for failing to deliver on your promise of good service.

Order Management As Reputation Management

Handling each order in a sensitive and professional way is the best route for building a strong reputation in the world of ecommerce. You can encourage loyalty among customers by treating each interaction with care. The world's biggest marketplaces put a lot of weight behind customer feedback because it is an accurate measure of the company's quality. Even if you don't use any of these platforms for your sales, you need to manage your reputation on social networks and consumer websites.

Author's Bio: Ted Hosford has extensive experience with stock management and eCommerce software development. He consults businesses on their software needs and his articles appear on various business blogs. Find out about Amazon and eBay shipping software solutions, click on the link.

0 4 Ways A Wannabe Entrepreneur Can Devastate His Prospect

We learn by making mistakes. In fact, if you are not making mistakes; I can dare say that you are not pushing yourself that hard. Every successful and established man has mistakes in his lives and probably these mistakes have made him successful. But this does not necessarily mean that you should feel free to make any number of mistakes while you are running a small business in order to gain experience and make the business a grand success. Nope, since all small business organizers are battling it out to make their two ends meet, making mistakes can destabilize them financially. Sorry, mate but as a small business owner, you simply cannot enjoy the luxury of making silly financial mistakes and get away with it unharmed. It could ring death bells for your business and in some worst cases; you may end up being emotionally and financially devastated. I hope you do not wish to face such devastating end of your business. If that is so, let me make you aware of some common money mistakes made by majority of newbie entrepreneurs that bleed their businesses dry.

Do Not think Too Big: I have nothing against dreaming something big. In fact, I always encourage people to dream big but at the same time, you should not turn a blind eye to your financial position. Dream should not be too big for your wallet. You need to understand the difference between necessary and luxury. For say, if you need to meet your clients frequently, you need not have to stay in a posh hotel all the time. You need not have to dine in a costly restaurant all the time. If you need to create an impression, you need to look good and for that reasons, you just need to have a good haircut, a suit and of course a killer attitude. 

Be Realistic while planning: Since you are getting into business for the first time, you need to make sure that you are not underestimating your business needs. I mean you simply cannot make your business prospect suffer because you cannot predict the expenditure. This commonly occurs when you are on an entrepreneurial journey. Since you simply cannot make an assumption of the expenditures that might befall on you, you need to carry extra cash with you or else, you might run out of cash in the middle of the journey. 

Think before You Hire: I have met countless number of newbie entrepreneurs and they have the same story to share. Yes, they are making less money, a lot less money than what they have planned. And guess the reason why they are earning less; yes they have more persons on board than what they really need. Hire full time employees only when you are confident that you have enough projects in hands to keep that keep those persons busy. If you ask my opinion, I would suggest you to hire freelancers. Though they cost you more than regular employees, they are highly professional in their approach and you do not need to spend money on their training, supervisions and all that.

Die Another Day: I know you are optimistic and you are not going to leave the battlefield without a fight. However, as fate would have it, even your best attempt may prove unproductive and sometimes, you have no other option but to quit for the day. So, before you join the bandwagon of wannabe entrepreneur, you need to have an exit plan ready so that you have enough resource left to tee off your next venture in style.  

Author's Bio:
Michael Evans is a passionate writer and he works for chesterfield-group.com that offers International Corporate Services.

0 Debt Help is Not Far Away

If you and yourself with some debt problems, you are going to want to start searching for debt help as soon as possible. There are plenty of debt relief options that are available to you. It is up to you to decide which one is going to work the best for your particular situation.

Bankruptcy is becoming more and more common every day. This is basically an option that will permanently wipe away all of your debt for a minimal filing fee. It is important to avoid bankruptcy if at all possible simply because it will destroy your credit for a minimum of seven years. Anything that you are hoping to buy is going to come with an extremely high interest rate or simple denial when trying use credit to make the purchase. You will be required to go to court to explain to the judge why you cannot pay your bills. Some of your creditors may choose to come to the hearing to fight for their money. However, it is not very common for more than one creditor to show up to your hearing.

Debt consolidation loans are another popular way that people are getting themselves out of debt. Basically, how this works is that you will turn all of your debt over to a loan company. Every month, you will make a payment to the loan company and they will distribute your payment throughout all of your creditors. This is an excellent way to make sure that all of your debt is paid off. Another benefit of debt consolidation loans is that you will not have to worry about receiving harassing phone calls from your creditors. However, it is important to remember that working with a debt consolidation company is going to cost you. They will charge you a certain percentage of the money that you owe. In all actuality, you are only adding one more bill to your pile of debt.

Debt settlement is the last option that we are going to discuss. This is the best possible solution for anyone who is struggling to get out of debt. Your creditor is not going to want to have to hire a collection agency to get their money. This is only going to require more work on their part. Instead, many creditors will be happy to settle for less money as long as you are willing to put yourself on a monthly payment plan that you will definitely be sticking to. This way, they know that they are getting their money and they will not have to worry about contacting you unless you fall behind again. Keep in mind that when you owe your creditors money, it is also very stressful for them. They are usually willing to do whatever they can to get everything back to normal.

Of the three above-mentioned options, debt settlement seems to be the most common. It is actually the one that makes the most sense. After all, nobody wants to destroy their credit or get themselves into debt even further. The worst thing that you can do is ignore debt. It is never going to go away. It is only going to get worse if you put it on the back burner. After all, with debt comes late fees, interest rates, and headaches.

If you do not do your research in advance, you could end up spending more money than you have available. It pays to be knowledgeable about what is going on with your finances. Now is the time for you to take your financial freedom back. Learn more about your finances and how to get them under control once and for all. Before you know it, you will be out of debt and starting a savings account of your own. When you have money in the bank, you do not have to deal with creditors and you can pay cash for everything if you choose to.

You will not have to worry about people calling you wanting to collect money. Not to mention the stress that comes from not being financially secure. There is no reason why any of us should have debt other than a mortgage payment. If you are careful with your spending habits, you can easily get your future back on track.

2 Do Binary Options Investments Offer A Realistic Way Of Building A Second Income?

It is no secret that the current financial markets are in a mess. The banking system sits on the brink of failure and people all around the globe have seen the value of their investments fall. People have not only lost faith in many of the investment vehicles used in the past, they are now more than ever in need of an easy way in which to generate an additional income.

This backdrop has helped to fuel the growth of online trading. This is where individuals who are desperate to increase the value of their assets take their financial fortunes into their own hands as they seek to out manoeuvre the markets themselves. Many online companies are keen to highlight the potential that this route offers for profits however very few who partake will ever generate the returns that they expect. Make no mistake, trading the markets is extremely risky and more than 95% of the people who try will fail to realize the gains that they are lead to believe that they can make.

However newer trading products on the market have aimed to help make investing on financial markets more appealing to the potential investor. Not only have they looked to simplify the mechanics of the trading process itself, they have also sought to limit trading risk. Of these new products Binary Options is perhaps the most popular. It offers a fresh approach to trading which is so simple it can be used to make a viable second income stream.

The binary option is a digital trading contract that is used to speculate on the price movements of a financial assets. Unlike many investments, the contract is made directly with a broker and does not involve purchasing a stake in the asset itself. It is in effect a straight wager which offers one of two fixed outcomes at the defined expiry time on the contract. At this point either a pre-agreed profit is made if the contract ends 'in the money' or it expires with no worth.

The simplicity of these contracts has helped to fuel their appeal. They are easy to pick up and trade and don't require the same in depth analysis to be applied as many other forms of investment demand. The reason for this is that you only have to decide on whether the price of the asset will finish higher or lower. The contracts used have only a limited lifespan so you also don't need to worry about the long term outlook for the investment. As a result it is possible to 'dip in and out' of the market to earn your profit. Furthermore you don't need a rising market to find opportunities to take. Contracts can also be used to profit from falling prices.

The range of assets that can be traded from an account with a digital binary broker is enormous. It includes stocks, indices, currency pairs and commodities. The global nature of these available markets means there is a twenty four hour trading window - you can literally trade on your account around the clock. Not only does this mean that you will find a wealth of opportunities to take, it also makes it possible to fit in this style of trading around other daily obligations.

So do binary options make a good argument to be considered as a vehicle for a second income? Well yes they do. Not only do they offer perhaps one of the easiest ways in which to make money from financial predictions, offer high payouts and also a fixed level of risk. Furthermore you won't need a large amount of money to get yourself up and running. Brokers will accept an initial deposit of as little as one hundred dollars in many cases and you can invest as little as $25 on a contract outcome.

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This article was written by Phil Moore, a full time financial trading and investment writer. You can find out more about Binary Options trading on his blog at www.binaryoptionsprofits.net or follow him on Google+

0 The Financial Evolution of the Christmas Present

Image source: MoneySupermarket

9 Forget the Auto Loan

If you have a really bad credit score, you can forget about the auto loan: even if you manage to get your application accepted, the interest rates will be highway robbery. That's because the lenders do not view the car as an investment: it's an asset that loses value quickly, so they're not particularly pleased with the thought of having to repose it from you.

The good news is that there are alternatives, and you don't have to survive without a vehicle, even if you can't get a loan. The bad news is that most of these alternatives are worse than the terms of an auto bad credit personal loan, so they should be used as a last resort.

1. Use Cash Savings

This is no rocket science: if you have cash stashed aside for an emergency, it's better to use it for the purchase of a car, than to struggle with a loan that will just accumulate interest and drag you deeper into debt. Even if this means you'll have to scale down and you won't get the car of your dreams right away, if you have savings, use them.

2. Get a Loan from a Relative or Friend

There are two ways a member of your family or a friend can help you out in this situation: either by co-signing the auto loan with you, or by lending you the money directly. In both instances, keep in mind that you're placing a serious burden on a loved one, so make sure you don't ask for too much, and repay the loan as quickly as possible.

3. Take a Personal Loan

Even if you don't qualify for an auto loan, you may still get a no credit check loan, which has less restrictive conditions. The interest rates will be higher, but at least it has the advantage that you can time it so it's paid off by the time you want to get rid of this car and buy a new one.

4. Use Cash Value Life Insurance

If you have a permanent life insurance policy, it carries a cash value, and you can borrow money against it. Check with a consultant before taking this step, since there are some taxes that have to be paid, which vary from one state to another.

5. Use Your Credit Cards with Caution

Credit cards always carry high interest rates and steep penalties if you fail to cover your debts from one month to another – not to mention that they can cause serious damage to your credit score. Taking money from credit cards to pay for a major purchase, such as a car, is a very bad idea. Only use your cards if you need a very small amount, and you're certain you can repay it before the debt cycle is over.

6. Use a Credit Union Loan

If you're a member of a credit union, ask for the financing options. Usually the terms are far better than what you can get from a bank, and this could save you a lot of money in the long run.

3 Making Your Equity Work For You - 4 Tips On Controlling Your Daily Company Expenditure

Cash flow is the fuel that keeps the company engine running. It is a critical component of the success of any business. Having profit on paper without operating cash will not do the company any good and can in fact lead to bankruptcy. Without cash, the business cannot handle its day-to-day operations and cannot make investments that are necessary for the growth of every business. To make sure that your business is successful, you must ensure that the cash coming in is more than what is going out. Studies have shown that one of the leading reasons that businesses fail is due to cash flow problems. Cash flow comes in two kinds, positive cash flow where the cash received is more than the cash leaving the business, and negative cash flow where the outflow is more than the cash coming in. Negative cash flow can spell doom for a business but there are tips that can help to prevent this situation. By following the tips, you can manage your cash flow and this will help to grow your business.

1. Collecting receivables You have to make sure that you have a good system of collecting and processing receivables. Make it easy for your customers to pay you by providing convenient payment options. If you have customers who are far from you, make it easy for them to pay using convenient options like the depository transfer checks. Give incentives to your customers to pay early by offering prompt payment discounts, and try to avoid offering credit to customers with a poor payment record. 2. Increase sales Come up with promotions and advertising techniques that will increase your sales. You should constantly try to increase your customer base. The more products or services you can sell, the more cash you will have coming into the business. You should also consider selling more goods and services to your existing customers. This might actually be easier and more cost effective than trying to attract new customers. When increasing your sales, try to avoid a scenario where you increase the account receivables.
3. Credit requirements While it is often necessary to give credit to customers, you need to be careful about who you are offering the credit to. Make sure that you carry out research and check references to avoid the risk of extending credit to customers who do not pay their bills on time. If you are dealing with a business that has cash flow problems, you can expect delays in payment. A safer option to giving credit is accepting credit card payments. While you may end up spending a percentage of the sale on the payment, at least you are guaranteed of timely payment. 
4. Monitor expenditure You need to keep an eye on all the cash that is coming in and going out on a daily basis. Do not wait until the end of the month to try to figure out your expenditure. When you monitor the money on a daily basis, you can know where spending can be controlled. The daily expenses might seem like a small amount but they add up and can lead to cash flow problems. Make sure that your accountant questions all the spending made by each team and where possible, look for cheaper options to help in saving costs. If your business is experiencing a problem with short-term cash flow, you should consider taking out a loan. A number of financial institutions offer equity loans or credit lines that can help businesses to remain afloat. The cash from the loan can help to ensure that you have enough operating cash as you wait for your creditors to pay.

Author Bio:
 Susanna is a blogger who has written several articles about different types of loans. She offers advice to business owners about the benefits of private equity and how it can grow their business. She also works as a private consultant to small business owners.

1 Personal Loans to Help Your Home

When you need financing for home improvements, you have various options available. The most obvious one – and also the worst – is to use your credit cards. These carry high interest rates, and the amounts you can get from your cards are rarely enough to cover the costs of a major project. So, it's better to apply for a traditional loan – whether a loan with bad credit, or a home equity one. The interest rates may be tax deductible – check with your accountant or with an independent consultant to see if this applies to your situation.

Personal Loans vs. Home Equity Loans

When you need financing for a remodeling or construction job, the two basic types of options are personal loans and home equity loans. It's usually a lot easier to obtain personal loans, as the prerequisites are not very strict, but the interest rates are also somewhat higher. If you want an unsecured loan – without any sort of collateral – the maximum amount you can expect to borrow is usually at around $15,000, and it will carry very high rates, since the lender has a lot of risks to cover.

With home equity loans, you use the part of your house that you've already paid for as collateral for a new loan. These are better options when you undertake an expensive project that will require a lot of money for the long term, since the interest rates are better. On the other hand, they also carry a lot of additional costs – fees for the appraisal of the house, for the evaluation of your application, and so on – so they're not always the best solution.

Improvements That Add Value to Your Home

Banks are more willing to grant loans for certain types of improvements that increase the house's market value. For example, adding an extra room usually increases the selling price of a house by an average 10%. If this is the type of project you want to undertake, make sure you specify that in your loan application, as it may speed things up, especially if the house itself is used as collateral.

Other things that add value are loft conversions, new parking spaces, and central heating. Anything that can improve the energy efficiency of the house, such as an additional layer of insulation, is a good investment. In addition, these improvements may reduce the heating bills in the following years. Since these are complex projects, most lenders will require proof that you work with a contractor. For smaller jobs, you won't have to justify the labor costs, and you may be able to do it yourself, and use the unsecured personal loans to pay just for the materials.

In certain cases, and especially when your credit score is not in a very good shape, banks may turn down applications for improvements that are regarded as luxuries, such as adding a swimming pool. This depends on your residential area – if you can prove that the market has a lot of potential and the value of the property will increase drastically, you stand a better chance of obtaining the credit.

297 Top 5 Bad Credit Installment Loan Lenders

Installment loans have become popular in the United State’s loan market due to its high demand among borrowers.

Installment loans are the short term loans that can be very useful for you when you need cash in hand. They attract borrowers due to the adjustable payment schedule. Most borrowers who need installment loans have bad credit scores…and we all know that to get a loan with bad credit may be quite difficult.

Now if you are in hurry to get a loan with bad credit, you might not have time to go to your lender’s office, apply for the loan and wait for the lender’s answer. So, to help you out and save your time, the following is a list of 5 bad credit installment loan lenders who will not consider only your credit score and may qualify you for an installment loan with bad credit.

1. Ace Cash Express Inc:

Ace Cash Express is a leading financial service provider which provides installment loans with bad credit, bill payments, and check cashing. ACE is also listed as the biggest owner of check cashing stores in United States.

2. Money Now USA:

Money Now USA is not a lender itself but works as a lender for you. It has a very big network of lenders. It connects you to the lender which suits you best according to the information provided in application form.

3. Payday Loan Union:

Payday Loan Union is a direct lender that provides short term or installment loans with bad credit. They assure you that you will qualify for the loan even if you have really bad credit and the best thing is; you do not need to provide a credit check to qualify for loan.

4. AmeriAdvance.com:

AmeriAdvance.com has specialized in fast cash installment loans. They provide installment loan with bad credit with no such restriction of credit score and collateral. They try to approve your loan within maximum 24 hours.

5. AmeriCashLoans.com

AmeriCashLoans.com is a great place to find an installment loan with bad credit. What you have to do is to fill an online form and they will try to contact you within one business day. They also have offices in many states of U.S. and it is something that assures you that they are not scammers. 

Author's Bio: This article has been written by Allison Watkins a writer and, article provider for Badcreditwhiz.coma website that provides information on home mortgages, how to deal with bad credit mortgages and, the best way to stay on top of your mortgage payments.

4 Women Are Dissatisfied with the Financial Industry

A recent survey on women’s views about the financial services industry has turned up something quite revealing: 73 percent of the respondents expressed dissatisfaction with the industry. That’s bad news for health insurance professionals and life insurance agents (those with life insurance license) who are trying to reduce the total number of women without life insurance, currently, a whopping 64 percent nationally.

The Boston Consulting Group survey revealed that women in general feel that they are overlooked and excluded by the industry. They also said they receive inconsistent or poor advice and are awarded deal terms that are inferior to what men get.

Learninsurance.com offers online Texasinsurance adjuster education for insurance agents nationwide.

Interestingly, the Boston Consulting Group reported that only 11 percent of American women said they would like to work with a female financial adviser, with a surprising 85 percent indicating a lack of preference as far as the gender of their banker or investment adviser goes. The absence of preference was wholly unexpected considering that previous surveys had shown women exercising more cautious risks and obtaining more consistent returns with the money they manage than did the men.

The survey is begetting a flurry of questions in the industry and financial advisers of both genders are coming up with fast answers. One of these is the belated realization that women need a set of different financial tools. For instance, Mike Sanders, president of Clark Dodge Asset Management, believes that women need to feel their kids are financially secure—opening the way for solutions integrating college planning with achieving life goals by using tax-efficient current and future resources.

The industry is now finding new paths to profitability by simply paying attention to what women want.

0 The In-Depth Analysis Of The Functioning Of The Credit-Cards

The “Credit” Factor

It is a known factor the most dreaded term in the business world is the “credit”. It involves a lot of risk that whether the money will be reimbursed or not. This is the reason that it is impossible to get the credit from the unknown sources. So one might think that why are the “credit” cards becoming so popular? That is because the credit cards are the issuing of credit to a particular person with the guarantee of payment by the bank. The person then needs to clear up the bill of the amount that the bank has paid up for him. This is the functioning of the credit card in very simple terms. But there are also other finger prints involved in credit card processing that have to be understood in detail before signing up for one.

How To Get The Credit Card Issued?

Because it is the bank that takes the guarantee as well as also makes the payment for the party, it has to be fully assured of the fiscal as well as monetary status of the person. This is done by fully evaluating the status of the person as well as his spending and earning prowess. This will be the main deciding factor that will help the bank to decide whether they wish to allot the credit card to that application or not. Also, depending upon the repayment patterns of the party they also increase the credit “limit” of the person or become skeptical about the credit allotment to that person. Moreover it is a bad bargain to miss the payment date for the credit card bills to the bank and that is because the amount that you will end up paying as the interest will be really pinching.

The Retailer’s Perspective

Many a times the person might not be able to avail the services or the retailer will lose out on the business of they do not have the cash to be offered at the counter. It can happen at that time of the month when they might be especially low on cash or may be just forgot to carry their wallet. But now the retailer can have the option of still not to miss out on relevant business even if their client cannot pay up at that point of time. They will be paid by the bank that takes the guarantee of the payment at the later date. This is the reason that it allots two receipts to the customer one of which is that bank copy that has to be signed by them and returned to them, as a promise of making the payment to the bank at the later date.

People Who Can Use The Credit Card

The basic fundamental principle for the credit card processing is to get know the people who can afford it. This is the reason that the banks have a big task of assessing the employment status of the person before issuing the credit card to them.

0 The Era Of Payment By Cards

The Need For Debit Card Machine

This is the era of electronic payments and the payments by cards. We need this it is easy to move on without the cask as well as the fear of getting robbed. This is the reason that most of the retail outlets have the provision of credit card and debit card machine that has come to be of great help to the people in general. It is like any outlet will find it hard to function if they don’t have the provision of accepting the payment by card. This is not just for the debit but for the credit cards as well. It is impossible to get the credit from the retailers, but while using the card the guarantee is given by the bank about the payment of the money. But for every card there is a limit. For debit card you will have the limit of the cash that you have in your account. In the same way for the credit card as well, the banks will put a limit over how much credit you can credit you can draw, depending upon your income as well as payment patterns.

Debit Card Machine For A Business Enterprise

In today’s times it is very important for any retailer to have the provision of accepting the payment by card. But the bank will also allow for the allotment of such a machine if you can assure the sale of a definite amount each month. Because, generally it is the same machine that is used for swiping of the debit as well as credit cards, it is all the more important that have such definiteness in their dealings. This is because the processing by the banks as far as the cards are concerned is very precise and clear and for that reason it is important that they make sure about the size of the business set up as well as the location that they are planning to set it up in.

Types Of Debit Card Machines

As one delves deeper into it, they can make sure that they have different types of debit card machines to choose from. This is because they need to see their work as well as the need to provide their clients with better service. What we have been used to of is that debit card machine that we see at the time of billing in the supermarket and other retailers. But it is about the debit card machines that are also portable and mobile that can be made use of by plumbers, electricians as well as other people who offer mobile services.

Relevance Of Such Machines In Service Sector

The main purpose of service sector is to provide the people with the best of service without any kind of inconveniences. Carrying of cash is a big hassle as there is a constant fear of it getting misplaced or mishandled. This is the reason that need to have such machines is all the more needed.

4 The Online Mode Of Making Money

Way To Earn Online

It is quite obvious that we all are a witness to the great technological advancements that is happening around us. It was earlier the concept that there are no free lunches. One needs to slog it out of they need to make money. But now the trouble has been half reduced as because of the internet one is able to access the world in terms of information as well as other sources of employment that are becoming available to the people. One does not need to venture out of their house to find employment as there are a lot of opportunities related to their area of interest that can be pursued right in the convenience of their homes. This is still some effort to be put in. There is another concept of Free PayPal Money that is becoming very popular. Here the person will get the money with minimum or no effort at all.

The Paypal Concept

Who would mind getting paid for doing nothing or for doing minimum work? It will be a dream work for almost everyone. But how do they manage to do that? The online money is spent as well as acquired with the help of PayPal. One needs to have the account with PayPal if they are interested in making online dealings of any form. Will you not like it if you had a lot of money in you PayPal account so that you could just spend and splurge without having to give it a second thought? Well this is not a dream anymore. You can actually lay you hands on some huge amount of cash online with the help of Free PayPal Money.

Paypal Money Adder

You will have to install the software that is the Free PayPal Money Adder, and simply type in the amount that you are interested in. Once you done the required formalities like your existing email id as well as the basic details, the money will be transferred to you account in 24 hours. This is the easiest way to get the cash to fulfill all your heart’s desire.

The Survey Method Of Earning Money

There are many other easy ways that have made it really easy to make money online. How is that possible? Well this is marketing methods that have been used by the companies in collaboration with the website who provide the apt platform for bringing together the companies as well as people interested in taking up such jobs. You would be required to fill in the surveys about a product that the company has either launched or is planning to launch. This task is very simple to be done by the people as it does not require any specific qualifying criteria. But at the same time it proves to be very helpful for the company as it can get a good database as well as the opinion of the people for whom the product would be intended

2 Now Get Exactly What You Are Looking For

The Need For Real Estate Hunting

It is not needed to elaborate over why it is needed to have the real estate for you. It offers the security that is needed for anyone in their lives. Getting and investing in a house is the most obvious thing that a person would like to get in their lifetime. It is the most secure as well worthy investment procedure because the chances of the prices going down is less. Moreover a person should make a wide decision as far as investing in a real estate. There are a few factors that need to be taken into consideration as to taking the call for the purpose of investment as well as location that one is opting for. These are the factors that will be affecting the prices of the estate in the future. With industrialization taking place in full scale in all the places, it is very obvious that no place can be left untouched and the value of real estate is going to increase steady.

The Loans As Well As The Interest Factors

It is very important that the loan amount should be taken into consideration as well as the interest that you will be paying along the way. Make a conscious decision as to decide over the price that you will be paying for the property over a period of time. Real estate for sale will have many brokers in the mid way. But at the same time there have come up a lot of ways to make sure that they can reach to the parties directly without having to shell out extra bucks in the mean while. These all form to be very important factors for the people in the meanwhile. Buying a real estate sure does not come in cheap and for this real one needs to be very cautious about such expenditures that can be definitely avoided.

Locating A Lucrative Estate Online

Now that the need and the intervention of agents and middlemen has decreased considerably, one can get a lot of help online as well as the smart phones that have become so common in use these days. How is that possible? Well you can easily access the entire list of the real estate via the famous apps that can be downloaded on the phone. This makes it very easy to get in touch with the party themselves.

Real Estate For Various Locales

If you are seriously interested in real estate for sale, you need to be aware of the rates as well the future of the same as it varies from place to place. Generally in developed and technologically advanced nations the rates for purchasing in the real estate can be too expensive. In the same way it will comparatively easy to invest in underdeveloped and developing nations. One needs to have the intuition and the foresight in case they intend to take a chance in making a real estate investment decision.

3 How First-time Home-buyers Can Benefit From Kit Homes

Not every family can afford to purchase their very first home. Many end up living in rented flats, condos, or apartments just to be able to have a roof over their heads. In countries like Australia, the US, and some parts of the UK, kit homes are available and sold as alternative housing. These homes are prefabricated and do not cost as much as real estate properties.

The idea of living in a kit home may be too far-fetch especially for those who used to live in a lavish home with their parents and siblings. But today's economy is different and starting families are not always so fortunate when it comes to financial situations. You can avoid the problem of being in debt and having to pay a large accumulated sum for a mortgage by considering modern alternative housing.

Other than living in an apartment or condo, you can still save up for a good-sized lot within your city or suburbs. You may also loan a considerable amount if your savings are not sufficient to purchase the land. As for a kit home, there's no need to spend hundreds of thousands of dollars because these are already prefabricated according to style and size.

Going DIY or without the help of a contractor can also save you several hundreds to thousands of dollars in construction costs. One way to ensure that you'll succeed here is by getting some helping hand from friends or family/relatives who know home-building and construction work. If you choose among steel frame kit homes, for example, you will get the instructional guide and the complete materials to help you assemble the home's sections onsite. This is called the 'homeowner-builder' approach and you can save more if this is your chosen route.

For those who have no construction know-how, the right way to go is to look for a local contractor who can help you. Negotiating your concerns and issues right away can help eliminate possible problems of not finishing the assembly process on time and/or incurring too much labor costs in the end. Lay out your plan of approach and timeline to prevent these things to happen. A reputable contractor is the best choice if you are after faster and efficient assembly of your steel frame kit home. Besides, the contractor won't be building the entire home from scratch as it is just a matter of putting the sections together in place.

If you are one of those families who care about the environment as much as you care about your savings, you will be doing your share of preventing too much waste and pollution within your premises and the surrounding area. There will be less construction materials, wastes, paint and chemical spills, as well as unnecessary trash during and after the assembly of your kit home. You can also save on hauling the excess materials, particularly on trucking services or your own gasoline expenses.

If owning a home can be daunting for most people, it is a good idea to look for better and affordable options such as steel frame kit homes. These are as sturdy and stylish as traditionally built houses and they use modern processing for faster onsite construction; hence the lower costs.

Author's Bio:
Ben Wall has been involved in real estate property development over the last ten years. He is passionate about this industry and wishes to share what he has learned from his experience with Australian suburban real estate to those who wish to know more about the business. He is also blogging for http://www.valleykithomes.com.au/ - Australia's preferred kit homes specialist.

0 Why You Should Be Thinking About Future Taxation Changes

Experts say an implicated ladder of Internet speed is inevitable. What used to be an anchorage from taxes and other expenses has now become the foot stool of improving E-commerce technology and a target for governmental taxation. Last year in the United States alone, both houses of Congress voted to encompass an Internet access tax suspension. The vote was unanimous however the injunction was not made permanent, and is set to expire in 2014 if it is not renewed.

$136 billion is spent on online shopping every year. Web sales taxes are now available in 22 states, and several other companies are presently contemplating the idea. With inflation and the increase in gas prices, the Internet has become an essential instrument for savings. Ironically, expert opinions report that the economy can surely afford considerably higher taxes without the anguish of serious monetary consequences.


The issue is the case of an increased fiscal policy tends to devalue discrepancies between corresponding economies. Some of the factors that might make a state less attractive in terms of telecommuting to and from may include:
• an immense continental realm consisting of higher levels of family interference
• a nonstop incursion of lower skilled immigrants
• large pockets of extreme destitution
• a legacy of racial domination or cruelty

Ultimately, these aspects have a powerful influence on the success rate of businesses and whether or not people choose to reside in that specific area. Relocation has become an increasing problem for the states. Nevertheless, the idea of swaying state decisions on sales tax increase may be of probable interest with an increasing number of industries conducting more of their business via the web. Internet sales tax could encourage the following:
• Exportation of jobs to various state territories
• Accessibility
• Convenience

Skeptics argue whether or not expenditures have drifted around 21 percent of G.D.P. since the 1980s. Reports indicate that the tax load as a whole has only broken 20 percent one time. Proceeds have hovered just over 18 percent in the last decade; thus leading researchers to believe that the anticipated increase and the probable economic influence will be slightly higher.

Unfortunately, the activity at hand will remain interlocked regardless of the necessary changes. For example, it is anticipated that in the same way that future online purchases might generate advertisements for comparable goods employers and insurance companies may attain access to online activity.

In the end, the most effective approach may be to simply take the current state of the economy as is and then work on each individual problem. If cost is going to be the topic of discussion based on conventional vision, favor needs to be shown on the liberal side of the spectrum as well. Quite frankly, it is an unavoidable method either way. The first part is accepting that taxation will more than likely increase. Skeptics might agree in saying that at the moment new taxation in an alphanumeric economy would be a bit revolting, but that reviving the proposal in the near future might hold greater promise.

About the Author:

Abi is an active blogger and put this together for Cedar Bay, Cedar Bay specialist in automated data capture solutions. For a tailored IFSR FID, IFS ERP and bar-coding for your business visit Cedar-bay.com

0 Take Your Pick To Be Insured: Term Life vs. Whole Life

The two life insurance policies are composed of two basic types. The first one is the term life insurance and the second one is the whole life insurance. Both of these life insurance types have both advantages and disadvantages. The choices will depend on your preferences and your needs. However, you will never know the differences and the benefits if you do not have idea as to how they work. 

 

Term Life Insurance

It is important to keep in mind that policies are designed for unique investments. It offers great protection for all holders of the policy as a security and back up from the unexpected insured events take place. These insured events may be an illness or death. Naturally speaking, the benefit of insurance is financial, but the genuine value is definitely psychological in nature as it gives the policy holder a total “peace of mind” if the unexpected insured events arise. This term life insurance policy provides you this “peace of mind” which everyone is looking for. However, from the word “term”, it means that it would not last forever. This will only provide you and will let you enjoy the benefits for a certain period of time. This may be ten, twenty or thirty years. If the insured events happen within a definite time, the holder of the policy, along with the beneficiaries, will be able to receive the benefits from the policy they are expecting. Furthermore, term life policy is only insurance and never an investment policy. Therefore, you cannot collect the cash value every after the term. The policy of the term life insurance has ended with terms that are not being helpful to its policyholder ahead of that.

Whole Life Insurance

Before, the notion of life insurance is on termed basis, but since termed basis only allows taking pleasure from benefits within a specified period of time, new types of policies were made in order to address the requests of policyholders. The new policy is created for the owners to use for longer periods and beyond. Furthermore, it provides more monetary value for policyholders. The insurer spends in moneymaking ventures by making use of the premium which pays above the insurance cost.

Other than making huge investments, the insurer also credits the premium insurance with interest. Because of this, the cash built up from interest and investments are added to the policy. As a result, this doubles the cash value of the policy that equals the benefit of death.

Term Life Versus Whole Life Insurance

In the term life versus whole life insurance, it is important to understand their time durations. The term life insurance only effects within a specific period of time. It does not also provide cash value. The whole of life insurance provides policy investment and protection benefits for the owner and his recipients. This can be considered as an investment policy which insurers can use the fraction of the premiums being paid by the holder of the policy to boost the financial value of the policy.

Knowing both their functions, pros and cons will provide you valid information which will help you choose what’s best for you.

0 Don't Forget To Set Some New Year's Money Resolutions

By AMP Financial Planner Ali Mohammed

The New Year is a time when people tend to reflect on the past 12 months and the changes they'd like to make in their lives.

Many resolve to quit smoking, lose weight or do more exercise. And if you're keen to get on top of your finances, some New Year's money resolutions are the way to go.

Here are 10 things people can do, regardless of their income levels, to improve their financial well being in 2013.

Top 10 New Year money resolutions:

1. Start with a budget It's essential to have a household budget and stick to it. If you spend more than you earn, it can quickly land you on the roller coaster of debt. Make a promise to start living within your means.

2. Differentiate between 'wants' and 'needs'
Don’t be too hard on yourself, but do you really need the $100 per month pay TV package? You probably don’t watch half the programs.

Cars are big traps too. It’s nice to drive the latest and greatest, but don’t live for your car. Be sensible.

3. Shop smart
Look for ways to reduce your spending such as using discount petrol dockets, taking your own lunch to work, cutting back on take-away dinners and car pooling.

Reduce your weekly grocery bill by shopping for your fruit and veggies at farmers' markets, buying generic groceries and planning meals to avoid waste.

Always shop around for the best deal when purchasing big ticket items.

4. Use credit cards wisely

Credit card debt is fine if you pay it off each month before interest is incurred. But if you have a large amount of debt sitting on your card, it could be costing you an astronomical amount in interest each year.

Interest rates on credit cards are sometimes as high as 20 per cent or more, so it's important to pay off this kind of debt as fast as possible. To do that you will need to make more than the minimum repayments each month.

If you have several cards maxed-out, consider rolling all the debt in to one low interest-bearing card to save on interest. Once you have finally paid the card off, cut it up and switch to a debit card if you have to.

5. Have an emergency fundAs a contingency for life's unexpected expenses, it's vital to have an emergency fund or access to cash through a mortgage redraw facility or offset account.

A good rule of thumb is to have at least three months salary in the kitty. This will avoid the need to rely on credit cards in the event of an emergency.

6. Get savvy with your superAustralians are losing around $1 billion a year in fees, lost payments and earnings by holding several super accounts they aren't contributing to (Rice Warner Actuaries 2008). AMP has introduced a simple service allowing customers to consolidate their super online for free at amp.com.au/consolidate, or by calling 133 888.

Also consider topping up your superannuation by salary sacrificing another two to five per cent of your income, depending on how much you can afford. Lower income earners should also make the most of the government co-contribution scheme.

7. Review your mortgage The most effective way to save interest on your home loan is to make extra repayments each month. The monthly repayments on a $300,000 mortgage over a 25 year term at 7.25 per cent are around $2,168.

But a person could pay the loan off 10 years earlier and save $158,277 in interest if they increased their monthly repayments by $575. People can also attack their loan faster by paying fortnightly instead of monthly and making lump sum repayments whenever they can.

It's also now easier for consumers to shop around for a better deal after home loan exit fees were abolished on all mortgages taken out from 1July 2011. However people with loans taken out before this date need to carefully consider the costs associated with moving a mortgage.

8. Have a debt strategy Financial worries can be very stressful, so it is important for people to take control of their debt before it starts controlling them. The general rule of thumb is to pay off 'bad' debt like credit cards first as they usually have the highest interest rates.

Once bad debts are under control, a person can then target other debts such as their car loan and home loan and save even more in interest.

As the interest rates on home loans are much lower than other loans, this type of debt should only be targeted more aggressively after your credit card and other high interest loans are under control.

9. Protect your family

It's not something we want to think about, but you need to ask yourself how your family would cope financially if you or your partner were injured in an accident, became too sick to work, or even worse, passed away.

These days, insurance doesn't have to be a big drain on the budget. If cash flow is tight, you can get affordable life insurance and income protection through your superannuation. After a change in regulations a few years ago, it is now possible to obtain income protection insurance from some funds to age 65 inside your super.

10. Save for the future

While most people are pretty good at saving for short-term goals such as end of year holidays, they often forget to put money aside for the future.

Make sure you have a savings plan for medium-term goals such as a deposit on your first home and longer-term milestones, like retirement funding and the kid’s education.

*Ali Mohammed is an Authorised Representative of AMP Financial Planning Pty Ltd, ABN 89 051 208 327, AFS Licence No. 232706.

Any advice given is general only and has not taken into account your objectives, financial situation or needs. Because of this, before acting on any advice, you should consult a financial planner to consider how appropriate the advice is to your objectives, financial situation and needs.