Showing posts with label financial advice. Show all posts
Showing posts with label financial advice. Show all posts

October 12, 2013

Five Things You Need to Know About Your Office Refurbishment Project

Most business properties are leased – and yet the usual responsibility for keeping commercial or business premises maintained lies with the company. That means refurbishment is generally up to you: and that means you get to negotiate changes in your rent figure or lease term with your landlord when your refurb is complete. Have a look at these five important pieces of refurbishment advice to ensure you start your project in the best possible way.

October 07, 2013

Buying a New Build Home - Pros and Cons

A lot of us would ideally love to purchase an older home – something a little more classic with a certain feeling of finesse and class. However, the reality of maintenance when it comes to older homes can be quite grim. Old windows, insulation and heating systems can mean that these homes cost a lot to maintain and cause all sorts of trouble.

New builds on the other hand come sparkly and with all the latest heating systems, insulation and windows and often have a guarantee. However, there are negatives too. So, let’s weigh up the pros and cons involved with purchasing a new home.

September 26, 2013

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 state.

September 22, 2013

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:

September 17, 2013

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.

September 15, 2013

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.

September 03, 2013

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.

September 01, 2013

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.

August 30, 2013

Why Work In Insurance?

The insurance sector is incredibly important to the economy of the UK and employs a great deal of people. Many graduates leave education with a career in insurance in mind, though few have an accurate idea of what that may entail. Those with little idea as to what the insurance industry offers may be tempted to ask the question ‘why work in insurance?’ Here we take a look at what a position in insurance may mean for potential employees.

Paying Off Mortgages Early

There are few words more painful to so many people than the word “mortgage”. The monkey on our backs that can take a large proportion of our lives to eventually get rid of - if we ever even manage that - mortgages are often a deliverer of stress and bad news. There are two approaches to dealing with mortgage repayments. The first is to maximize the short-term stress of it all at the expense of major long-term stress, by paying it off early. The other is to minimise the short-term stress of your mortgage, by increasing and maximizing the long-term stress, through paying it bit by bit as it comes along. The most responsible solution is clear.

August 29, 2013

Four Unique Items You Can Donate to Charity

With so many charitable organizations to choose from, there’s no reason why you shouldn’t be able to find a group that’s doing something meaningful to you and your family. For example, if you know someone who suffers from a debilitating disease, you are sure to find plenty of charities that are working hard at raising money to find a cure or who are trying to make the lives of sufferers easier. Or if you love animals, there are a host of shelters that you can donate to or organizations that are working towards animal rights.

August 26, 2013

Smart Ways to Divide Your Income Every Week

Getting on top of your finances requires hard work and dedication, yet it is definitely achievable if you know where to begin.  Getting started is often the hardest part, and this comes down to setting yourself good financial goals and prioritising your budget. To help you establish a solid financial foundation, here are some tips on the smartest ways to divide your income every week.

August 06, 2013

Finding the Lowest Credit Card Rating

Whether you are the merchant account holder that is the entrepreneur or the buyer or the consumer, low rates in credit card transaction is always the first criterion for all. The fact of paying high interest rates over the money spent through credit card indeed is not a good feeling at all. But it is us who are to be blamed for the entire thing. What is the highest limit of money that can be debited in one go? That is what we all want to know and avail when we go for credit card options. But with more money being spent the amount of the interest is going to soar high. Hence our first intention is to go for the low credit card rates and the ways to finding the best low rates are given and discussed below.

August 01, 2013

What are the Benefits of Independent Contractor Payroll Services for Compliance

Payroll services are vital regarding the proper documentation and compliance of employee timekeeping and payroll.  One area of payroll that needs to be in full compliance with government regulations is withholding taxes.  Many businesses, especially small business owners, have found these payroll services to be very dependable and useful.  By having someone else in charge of payroll services and benefits administration, owners and administrative personnel are free to pursue special projects they would have otherwise postponed.

July 31, 2013

Understand the Importance Filing PPI Claims

In order to claim your PPI with less hassle, you can always take the help of a Financial Ombudsman Service (FOS). For any individual it becomes quite important to adopt the right and easy process to claim the money back. FOS is an independent body which is formed and governed by the government. The main purpose of setting up of this body was to resolve any sort of grievances between the complainant and financial organizations.

July 07, 2013

Start Small: End up Big or How to Save Money with a Little Effort

You can be surprised but a lot of people in this world have no idea of how to manage their own money the way to have a little extra cash to save. And those, who do, are usually known as businessmen and company directors. There are some secrets of making money work on you. Most of people are aware about saving tips, but often forget to follow them. However there’s nothing hard or impossible and it’s up to you to make the right decision. Let’s learn these basic rules to be sure that we are able to save with a little effort.

June 25, 2013

What to Look For in a Home Loan

Applying for a home loan can be a challenging task, especially with so many lenders on the market. It can be hard to decide exactly which loan truly suits your needs, so taking the time to do some research is an essential step.  Here are a few of the key things that you should look for in a good home loan.

Reasonable Fees and Charges