1 Top 5 Best Insurance Companies

When setting financial goals, we often include building a healthy savings fund and starting a lifefree of debt. The more ambitious among us would look for ways to invest and grow their money. For those who are more cautious and would like a safety net in case things do not go as planned, getting insured is a definite must before they can consider themselves financially stable. Insurance protects you from unexpected expenses and emergencies, but not everyone is comfortable with the idea of applying for one. Some of them even think insurance agents are merely out to get them for a commission. But not all insurance providers are there to...

0 Why businesses get ripped off on currency and what they can do

Businesses trading internationally are unnecessarily losing out on thousands of pounds, dollars & yen when making and receiving international payments. According to a recent article in the FT, a third of respondents to a survey reported gains or foreign exchange losses exceeding $1m. Today, we’ve invited Daniel Abrahams, co-founder of My CurrencyTransfer, an OPP award winning foreign exchange comparison website to help better understand how to score a fair and transparent deal on currency. Always opting for bank rates A large proportion of SME’s are unaware that there are alternative methods of making international payments....

0 Tips For Hiring Online

The most difficult thing about working with people online is establishing trust and credibility, especially in a team. Without a common physical office to constrict activities, or a room to facilitate regular and emergency meetings, or even just a common space to observe each other’s performance, an employer has to result to different things just to be able to gauge an applicant’s credibility and competence. If you are looking to form your own team from a list of online applicants, here are some tips for hiring that you should consider. ·         Do a thorough background check. Browsing a Facebook...

1 Managing your finance successfully

Successful finance management is a valuable skill that would be handy for everyone. To be successful you need to know how to operate your finance effectively and how to make the most of your money. Here are a few easy tips how to become more efficient in managing your personal finances.  1. Use single email address for payments. If your accounts are associated with various email addresses it would take more time and effort to track your balance. Check the balance regularly to know exactly what your financial situation is.  2. Plan your expenses. Take a piece of paper and write down all your expenditures: flat rent, utilities, electricity...

1 Create Your Own Debt Ceiling

Debt is rising for most young Americans, and it’s not the good kind of debt. More than half of college undergraduates have four or more credit cards. And 40 percent of 18- to 29-year-olds make only the minimum payment required each month.  With few jobs available, many young people find themselves taking low-paying jobs just to pay the bills, but still coming up short every month. Accumulating a large amount of debt is easy, yet paying it off is difficult. Here are a few steps you can take to get help with your debt — and create your own debt ceiling: Debt Settlement There are several debt settlement companies that can call all of your...

2 Housing Market in Sacramento

The housing market across the country is seemingly turning around. Is the Sacramento housing market on trend along with the rest of the country? Yes it is. The number of people buying homes and selling homes is increasing throughout Sacramento. The Market This year has brought back new life to the Sacramento housing market. In general, the market has seen a staggering increase of 8% in home prices and it is expected to continue to rise over the next several months. This is well above average in many national regions. Even though the prices have increased, they are still half of asking prices before the housing crash. This is great news for...

0 How to Save Money When Buying Your Own Health Insurance?

Health insurance is an important asset – and it’s one that you’ll soon be required to have. However, not everyone has the best health insurance benefits through their employer. The premiums may be too high, or the coverage may be insufficient. Therefore, they may look into buying their own health insurance. Others may be self-employed or unemployed and not have access to employer-sponsored health benefits. While buying your own health insurance will give you the protection you need in case you become ill or injured, it can also be expensive. Premiums can easily top $1,000 a month, depending on where you live, the size of your family,...

0 Mortgage Forecast for 2013

In 2013, the mortgage industry has the potential for change for lenders, brokers and consumers. The Financial Services Authority (FSA) and the lenders and intermediaries in the mortgage market are closer to establishing a workable set of guidelines with an emphasis on affordability and solid underwriting standards. Lenders, not brokers, under the proposed guidelines, assume the role of assessing whether a consumer qualifies for a home loan. Credit is issued only under the circumstance when a borrow demonstrates a strong probability of meeting payments without dependence on rising housing prices. Future fluctuations in interest rate are...

1 Pacific Tycoon - Container Investment

Pacific Tycoon is an established and recognized leader in the shipping container leasing industry. Together, private investors and the experienced staff at Pacific Tycoon work in partnership to identify prospering marketplaces that will consistently deliver profitable returns, on every shipping container investmen...

1 Easy Energy Efficiency Tips

There are lots of things you can do around the home to save energy and be more green and efficient. Rising energy prices, climate change, and ecological damage are just three reasons why we should all do our best to be more environmentally conscious, help reduce reliance on fossil fuels and save more energy, and the associated cost savings are a welcome bonus.   Heat Insulation in the Home The majority of energy used in the home is used for heating and cooling systems, and people often fail to realize just how inefficient they are being with these systems. Insulation is important to keep heat in during the winter months and to...

0 Mortgage Rates Trends

Nowadays, home mortgage rates are moving steadily lower. The 30 year fixed mortgage rate is hovering near the 3.375% region and it is expected to stay below 3.5% for a long period of time. Lenders are also extending credit at reasonable rates, with most lenders charging an interest rate of 3.5% and some at 3.25%. Mortgage rates are heavily influenced by the prevalent interest rate and the 10-year treasury auction is a good indicator of the performance of interest rate. While mortgage rates are not directly based on Treasury rates, the underlying securities (also known as mortgage backed securities) tend to trade in the same direction...

1 The Bank Bail-Out: Saving America's Banks

Much is known about the near-collapse of the housing market and the financial ruin that followed some of America’s largest banks. The more disturbing story is not how America’s largest financial institutions nearly caused the largest recession in US history, but how in the midst of the federal government’s efforts to stabilize the financial industry, the people, whose houses were being foreclosed and the small businesses on main street that suffered, were left in the dust. By examining the issues surrounding the collapse of the housing market and the federal government’s response, it is clear that the regular Americans were sacrificed...

4 Doctor Mortgage Loan

After the housing bubble burst, securing a mortgage loan became a difficult task. Many people no longer qualify for the mortgage loans they desire without putting money down or offering proof of adequate income. In recent years, however, some banks have begun to tap into a new corner of the mortgage loan market: doctors. With several thousand doctors graduating from medical school and residency each year, banks have begun looking to this section of the population for offering mortgage loans. Doctors begin with lofty debts, no income, and nothing to offer for a down payment. However, with the high future potential of their earnings and a very...