Do I really need life Insurance?

No. I don’t need it because…

…I have a corporate health insurance plan.

…I do not have any mortgages.

…I do not have any kids or my kids are not living with me.

…My kids are grown-up and they are not living with me anymore.

…I cannot afford it.
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How To Transfer Into A Stocks And Shares ISA

by Pam on November 14, 2017

There is no doubt that saving money is an increasingly difficult pastime in the modern age, as inflation continues to rise at a disproportionate rate to real wage growth. While this may change after the Bank of England (BoE) lifted the base interest rate from 0.25% to 0.5%, the climate remains oppressive for those who want to optimize their savings.
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Tips For Selling Your Old Phone

by Pam on November 9, 2017

There are a lot of reasons why you would want to sell your old phone. It’s easier than ever to sell old phones now thanks to the internet. Phone brands such as Apple, Samsung, LG, Motorola and many other companies are announcing their upgraded new devices. A lot of people want to buy these new devices, but capital can be a problem. No one wants to have a bunch of old phones lying around in the house either. Selling them is a great way to get the most out of the phone. It is a great way to raise some money and buy the latest device. Upgrading the family phone is a great thing to do too and selling the old one can help as well. Selling the phone can also help you in the event of a financial crisis.
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Are you a small business owner contemplating whether or not to accept credit card payments?  If so, I’ve outlined some of the benefits below that you should consider when making your decision.  Note that the perks of accepting credit card payments are for both your business as well as for your customers. And we all know that if the customers are happy, the business is more prone to be a continued success.
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Ways To Reduce The Cost Of Borrowing

by Pam on October 31, 2017

There is plenty of advice online about how to save money for your household budget. Many experts will make it clear you should stop borrowing, and put aside money for rainy days, build up a good savings account, and free up cash in as many ways as possible.

But the reality is that the vast majority of us have to borrow – it’s part of modern life. And for many households, it’s the cost of borrowing that often causes so many financial issues.
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Social media has revolutionized the world both for better and for worse. But, there is an area in particular that has been profoundly affected by it, and that is the practice of law. Here are three ways social media is transforming the legal world. [click to read…]

It’s not easy to keep tabs of your savings, but if you have the drive to make changes to your lifestyle and the support of a caring family behind you, there’s nothing you can’t achieve. Remind yourself every day why you’re so committed to improving your finances, and use all the motivation you can muster to put in the level of effort needed. There’s a lot you can do to increase your chances of success, but it’s also just as important to know when you’re doing too much, which could actually hurt your chances. Take a balanced approach in order to stay clearheaded at all times so you can get the best out of your efforts.
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