Have you ever thought about what would happen if you lost your job? Would you be able to maintain your existing standard of living, or would you feel the pinch of loss right away?
There are some things you can do now, while you have a job that will help you in the event that you lose your job for some reason. Here goes:
Tuck away at least 20% to 30% of each paycheck. Put these funds into a savings account. A great account to use is the Tax Free Savings Account. Just make sure that you select an investment type that is easily accessible should job loss occur. If you’re not good at saving on your own, ask your employer if you can have deductions come directly off your paychecks.
[click to read…]
Courier insurance isn’t cheap and, when you look at the risks faced by courier drivers every day, you can understand why insurance providers feel the need to make courier insurance premiums one of the highest motor insurance packages.
Transporting goods almost always comes with abiding to a very strict time schedule which can be cut very fine if the roads busy. This, along with many hours spent on the road with numerous stops and sometimes during the night, is why insurers consider courier drivers a high risk.
Fortunately, there are ways that courier drivers can cut the cost of their cover while still remaining fully protected when going about their daily work. It’s well worth investigating different options if you’re involved in a courier business in any way and more often than not it is in the smaller details that there are savings to be had.
Tips to save on courier insurance
Promote your good claims history: Courier insurance brokers are always pleased with drivers who have a clean driving record as they instantly know you can be considered less of a risk than a driver who has past convictions. If this fails to get you a small discount from the start, you become eligible for a courier No Claims Bonus after a few years if you remain accident-free and will be appropriately rewarded with discounted premiums.
[click to read…]
An unsecured personal loan can be a blessing to a consumer who knows the do’s and don’ts of the loan process. An unsecured personal loan is generally a lump sum cash paymentthat a consumer can obtain without providing the lender with collateral. Collateral usually consists of security items, such as a car or a house that some lender require their applicants to offer up for security on the loan. An unsecured personal loan can provide a consumer with the cash that he or she needs for a wedding, a vacation, pay down credit card debt or whatever reason. However, choosing one lender blindlymay mean missing out on savings when you repay the loan. The following provides tips on the do’s and don’ts of unsecured personal loans:
Do Check Credit Score First
A consumer should not apply for an unsecured loan until he or she receives a clear picture of the current credit rating. A credit score can affect various aspects of a loan such as the interest rate and repayment length. A consumer might be able to increase the credit score and place himself or herself in a higher bracket before applying for an unsecured personal loan. Disputing strange accounts and paying off debt can raise a credit score rather quickly. The credit bureau may remove suspicious accounts within 30 days. A removed account can boost a consumer’s credit score significantly.
[click to read…]
If you’re someone who is currently looking for an insurance broker, this means that you’re in search of the kind of insurance agent who works independently with numerous insurance companies in order to find just what their clients need.
Being that insurance brokers tend to play a significant role in the type of coverage that you get and how much you will end up paying for it, it’s important that you know the steps that you should take in order to find the one that is just right for you.
If you’d like a few tips that can help you choose the best insurance broker, here are five things to consider before making your final selection.
Keep in mind what to look for in a broker. There are several reasons why it’s beneficial for you to work with an insurance broker. For one thing, they have the reputation for finding you coverage at a cheaper price than what you would pay if you were to work directly with an insurance company on your own. Secondly, insurance brokers are able to reduce the amount of time that it takes to find the right coverage due to the fact that they are experienced in the insurance field. And finally, being that they are highly-knowledgeable when it comes to different types of coverage, you can be rest assured that they will provide you with the kind of policy that is just right for you. So when you’re on your search for a broker, be sure to keep their job description in mind. Money and time savings along with thorough coverage are what a reputable insurance broker provides.
[click to read…]
On Monday, 5 January 2015, global financial markets were shaken by news that West Texas Intermediate Oil dropped below $50 per barrel. The energy sector has been rocked by price instability in the oil markets, with OPEC members standing firmly by their decision to allow market forces to determine price equilibrium. The price of oil has plunged more than 50% since June 2014, and downward pressure on the price looks set to continue well into 2015. The accelerating decline in oil prices has many commodities brokers and fund managers concerned, since falling revenues for petrochemical companies translate into future job losses, closures and ultimately rising oil prices. The flipside of the low oil price dilemma is that it may be reflective of decreased economic activity owing to lower overall production levels. Deflation is always hovering in the background, and steadily falling prices are of grave concern to policymakers.
The news has not been helped by reports of increased oil production out of the Middle East and high levels of US oil production. OPEC countries continue to flood the market with cheap oil in the hopes of flushing out the competition in the US. American oil companies announced plans to scale back their operations in Q4 of 2014, yet they continue to produce oil well beyond the existing demand level. Both WTI crude oil and Brent crude oil dropped below their key support levels in $50 per barrel and $55 per barrel respectively. Banc De Binary trading analysts have been seeing large numbers of put options on commodities in the energy sector. This bearish outlook will continue as long as an oversupply of oil pervades the global markets. [click to read…]
When you need to make a personal purchase such as a vehicle, a personal loan may be your only option for purchasing the item. A personal loan allows you to get the cash you need to purchase an item that you would like. Most individuals will use a personal loan to purchase a high ticket item that may cost a few thousand dollars. A personal loan has advantages as you can get the cash you need and have a low interest with low payment. This can allow you to make your purchase without going in to debt. It is important to find the best bank for a personal loan yet many people have no idea how to get started. Below are a few tips on how to find the right bank for your next personal loan.
Low Interest Rates
One of the features you should look for when searching for a bank for your personal loan is low interest rates. You want to have the lowest rate possible so that you can pay less in interest and more on the principal. This way, you will pay off your loan quickly and be able to enjoy your new item without a monthly payment. Different banks offer different interest rates based on loan plans so you need to do your research before making a final decision on which bank to use. [click to read…]
With the holiday season is in full swing you might as well take your marketing gimmicks several notches higher in order to lure more consumers. Make sure that in all this rush, you are not missing out on a string of unique marketing ideas that are easy on your pocket book and guarantee desired returns as well. Read on to learn more.
Business Greeting Cards
Sending out business holiday ecards is a time-honored tradition in the corporate world. For years, businesses have relied on these cards to connect with consumers on an emotional level. No amount of impressive holiday discounts can promise this (i.e. strengthening the emotional relations between you and your clients) for you! There lies the eternal uniqueness of this long drawn tradition. Besides personalizing your cards with custom messages and designs, make sure that you are mentioning your business offer at the back of the card. Include your company link and logo as well.
Get your uniqueness several notches higher by attaching a “Thank You” note to the card— signed by all your staff members! Make sure the message here is composed by you as well— no picking up stock messages from the internet!
[click to read…]