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Showing posts from September, 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

4 Additional Costs to Budget for when Buying a House

Buying a house is fraught with emotions, last minute panics and finally, the grand pay off. The house, the home, the next chapter in your life. Although, before you cross the threshold, put down the pen, step back from the dotted line and triple check your budget can stand up to these five unexpected expenses on the home ownership trail. Association Fees Buying a home or property is a foot-in-door to an exclusive association developed specifically for new and existing land owners (houses, properties, blocks of land – you’re all included), delivering support and a veritable repository of information, including rights charters and advice for landlords regarding tenants, maintenance and miscellaneous advice on things like strata fees, where applicable. Though Australian association membership is not mandatory and the charges are comparatively meagre when held up against the US and UK, the yearly cost is an unexpected hundred dollars or so down and out, prices varying from state to

5 Property Hotspots in Australia in 2013

When choosing where to buy property you will want to go for an area that your property is going to increase in value. Choosing somewhere that looks good now might turn out to be an issue with reselling later and you may not make a good return on your investment down the track. Here are 5 property hotspots in Australia that are set to boom in 2013 and will gradually increase in value over time.

Claim against Mis-sold PPI, Affecting your Financial Situation

PPI is an insurance policy designed to cover the monthly repayments on mortgages, loan or any financial products. A number of claims have been filed for the mis-sold PPI, which is a constant issue for the past few years. Banks and other lenders assure you for paying back all the payments made towards the policy, but the question is how you will know that you have been mis-sold a PPI policy. It is always recommended that you research before applying for the best PPI plan. Also, some of the people were sold this policy without giving any information and others were unknowingly paying for it, even when they could not use the insurance in anyway.

How to Handle a Cash Crisis When You're Down and Out

It never feels good to log into your online banking and see that there's far less in your account than you need. What's even worse is when you've been struggling with your finances for awhile, only to suddenly have them go even further in the wrong direction. Since the weak economy of the last five years has left countless people crunched for cash, we're going to look at several proven ways to get the money you need in the event of an emergency, as well as how to start improving your financial standing once your crisis is under control:

Why Extending Your Lease is Important

If you own a leasehold property, you may or may not know about the importance of extending your lease. It is likely you bought your property with many, many years left on the lease, as the vast majority of sellers will make a point of extending their lease before they sell up. If there is any chance you will need to sell your property in the next few years, or need to do anything else that depends on your property value, it is crucial that you think about extending your lease sooner rather than later.

Ways to Make Extra Money

For many people money is always an issue. Either you do not have enough of it or you spend too much of it in one place. It is a pretty serious thing since it affects almost every part of our life. Without money you can’t really do much. If you are one of the many people who find themselves with too little money make sure you check your budget first. Maybe you are in debt and want to tackle those credit cards hard. In either case this blog will help give some insight on what you can do to make a bit of extra cash. 2nd Job Believe it or not a big part of making money on the side is WORKING. If you are already working full time and have a decent job but need a little extra to tackle debt get a 2nd part time job delivering pizzas. Just do what you have to do to make that extra money.

Involve in the Process of Fixing the Debt for a Better Future

Ask yourself if you want positive changes in your life before you choose not to do anything about the “Fix the Debt” campaign because it will help you realize more things than you can read in any article. There are many questions that you want to know the answers to, and there is only one way to find them out. By helping the movements and organizations that are existing only for one goal, which is returning the debt and securing a better future for the generations to come. Someone has to struggle to make the necessary changes because many lives will be destroyed if there isn’t any kind of plan of returning the debt of this nation.

Your Employees Hate Their Jobs. Here’s Why

You might think that you’re a great boss and that all of your employees look up to you, but is that really the case? The unfortunate truth is that a lot of employees hate their jobs and their employers. In fact, according to Business News Daily , about one in three employees don’t consider their boss to be doing a good job, while almost half of all employees think they could do a better job than their boss. Furthermore, fewer than 40 percent of all employees are motivated by their boss to give their best effort. And according to a recent Gallup poll, only 30 percent of employees are engaged or inspired at work.

What is Monthly Car Insurance?

Buying a new or secondhand car is always exciting. It gives you the ability to choose the make and model that you love, while allowing you to enjoy the comfort of driving something new and different. However, buying a car is only one part of the process; you need to make sure that you are properly insured. There are so many different types of car insurance available, that people often find it difficult to choose the correct one. Monthly car insurance is one of these; if you choose the right insurance provider to work with, you can get great coverage for your new car.

Put your money where your mortgage is - How to avoid arrears like your house depends on it

A mortgage is for most people, probably the biggest financial commitment you will ever make in your life. When you fall behind in payments the consequences can be nasty. All too often people ignore the problem and berry their heads in the sand, but if you know you’re going to fall behind with your mortgage, acting now can save you a whole lot of misery. Over the long term, arrears can become home threatening, often ending in repossession or various levels of court action. Situations can easily escalate and the sooner you act the more options are available. If you think you may struggle with mortgage repayments, here are some tips on what you can do to avoid arrears and repossession.