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Showing posts from March, 2013

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Digital Currency - Cashless Society and Future of Money

  What can replace cash? Due to lots of innovation in this 21st century, nothing seems impossible around the globe. Reality is in front of us, as money will strip off its tangibility and cryptocurrency will appear out as individual units for virtual exchange. This requirement can be fulfilled with the help of Internet, iPhone or any Android-Gadget. Cashless transactions are practiced globally. Various countries like India, Sweden, and Belgium etc... have taken a back step from paper currency. Sweden has an objective to become the first country in terms of cashless economy. Two years ago, demonetization took place in India and most of the population in Belgium does their payment through cards or mobile phone apps. Even, there is a creation of law to limit the cash transactions up to a certain amount. The capability of digital currency Exchange There is a great opportunity for everyone to invest in tokens. The waves related to Cryptocurrency may give an allowance to receive the tokens w

Driverless Cars and the Anticipated Car Insurance Complications

The greatest challenge of the modern age has been learning how to keep pace with the dramatic surges in technological innovation.  The forthcoming advent and use of driver-less cars on a very broad scale has raised a number of important auto insurance concerns. While nearly 90% of all auto accidents are known to be related to driver-error, the switch to entirely automatic options will not eliminate all likelihood for collisions.  Because of this, people, companies and governing bodies throughout the world are scrambling to determine how liability might be assigned in the event that two self-operating vehicles crash.

Accountants Concerns in 2013

A recent study based on the findings of the Association of Chartered Certified Accountants (ACCA) and the Institute of Management Accountants (IMA), has shown that the two biggest long-term issues facing UK businesses are cyber crime and high energy gas prices. Among accountants surveyed, 78 percent stated that they had the same concerns. With more of a shift to online transactions and data storage, it potentially puts companies at risk of being infiltrated by hackers. Since gas prices are continually rising and minimal progress of alternative energy solutions has been made, this can end up eating into profits and complicating overall business operations.

Commercial Loans - What Are the Common Mistakes Made By Borrowers

Today, whether you talk about thriving start-ups or established businesses, acquiring business loans has become quite difficult. Business loan lending has been decreased by 15% since 2008. Banks are also turning down entrepreneurs with outstanding cash and credit reserves in the bank because of their reluctance to fund smaller businesses.

How using a bank loan calculator can save your credit rating

If there was an easy tool that would allow you to preserve your credit rating, would you use it? Many people are finding that the Internet allows them the ideal resources for making their financial life a little bit easier. A primary problem for individuals with bad credit is that they get loans or credit cards without knowing exactly what they are signing up for.

The Shortcomings of Payment Protection Insurance

Payment Protection Insurance or PPI is a popular insurance product in the UK, and it is meant to insure credit repayment, should the borrower become unable to make repayments due to illness, injury, unemployment or even death. In the absence of life insurance , income protection insurance or mortgage insurance, PPI proves to be extremely useful. It guards against the uncertainty of income loss, which would have great credit repercussions, should a person be making repayments on different credit extensions. With a PPI offering cover for a period ranging from 12 to 24 months, enough time is accorded for the borrower to find an alternative source of income, so that they can continue servicing their debts.

How Your Car Can Promise You an Affordable Home Loan

These days, it would not be wrong to day that purchasing a new property is the most difficult task to do. This is certainly due to the rising property prices and the legal formalities involved in it. However, much of that difficulty is faced at the beginning of your purchase due to the formality of making the down payment for getting a loan. Typically, the down payment is 20 percent. It is easy to obtain a loan with a down payment of 5 or 10% but anything more than that can trigger hardships for you. Therefore, it is good to at least gather 10% down payment money personally before you apply for a home loan that demands down payment. Does this 10% sound big to you?

Use a Few Tips When You Apply For Car Title Loans In California

When individuals apply for car title loans in California it is important to know exactly what they are getting into and whether or not it is advisable for them. They should also understand the risks as well as the benefits. A few simple tips will help them make an informed decision. Fully understanding the process of obtaining the loan will help alleviate some of the stress and worry about what is involved.  Following some tips will help you make a decision that is best for you. Used wisely, the car title loan is an asset. However, used without discretion, it can be a nightmare.

Australian Business Fraud Puts Profits at Risk

A major insurance company has announced its plans to axe 700 jobs across its international branches but the company CEO has dismissed enquiries that 3,000 jobs would be cut in North America, Europe and Australia by 2015. Earlier reports had cited the bigger figure but the company head said that the organisation had yet to discuss or reach consensus on the bigger changes that needed to take place.

Need a home inspection? Do not hire an inspector without errors and omissions insurance

There are numerous reasons a homeowner might need to schedule a professional home inspection. There could be building code issues, insurance requirements, possible structural damage, a pending sale of the home and more. Any time you order an inspection of your home, it’s in your best interests to hire a certified inspector who carries errors and omissions insurance coverage.

How to fit paid surveys in your daily routine?

When there is a source of easy money there is always a rush of people running after it. Similar is the situation for online paid surveys. Sooner you realize that the quotas get filled up within a wink of an eye. So, to be on top of the list here is a list of things you should follow so that you do not miss any survey opportunities.

How market research help small business companies

Doing market research is an important part of a company, big or small. When a company attempts to do a market research of their products or services, they must decide whether there is a real need to do such survey? A Company big or small must understand that a product can fail in the market even if there is adequate market research. The best way of doing market research for small business companies is to get feedback of their products from their existing customers or give a free sample. Existing customers provide valuable information about the product and you get the chance of improvement. One can do this job by asking the customers questions or filling up survey forms.

Assessing your monthly outgoings

One of the New Year’s resolutions for businesses that often get thrown around is a suggestion to keep better records. As part of that, if you’re not already being very careful with your record keeping, you should keep better track of your monthly outgoings and properly balance it against your monthly income. The benefits of this should be immediately clear and if they are not, I would suggest going and asking someone why it’s important. Anyone will do. If you have small children, even they will probably know.