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Are You Sabotaging Your Portfolio?
This is a guest article from Kristin Mullen
If you
have a retirement portfolio, you may be getting nervous about your
future due to the financial instability in Europe and how that may
affect our stock market. Watching the Dow Jones industrial average swing
high and low over the past few months probably hasn’t helped matters
either. It may be hard to ignore these swings, but you need to remember
to keep your head. You can’t let your anxiety rule your decision making.
The following are some guidelines you can follow so you can be sure
that you will be able to make it through a downturn in the economy and
keep your long-term investment plan in check.
Stick with your long-term plan
If you want to reach your retirement goals on time, it is important that you stick to your plan. Your investments should obviously be diverse, and you need to make investments in each asset regularly. Most investors should increase their amount invested in bonds and reduce their stock holdings as they get closer to retirement. With this type of plan, you shouldn’t have to worry or make hasty decisions when the market fluctuates.
If you
have a retirement portfolio, you may be getting nervous about your
future due to the financial instability in Europe and how that may
affect our stock market. Watching the Dow Jones industrial average swing
high and low over the past few months probably hasn’t helped matters
either. It may be hard to ignore these swings, but you need to remember
to keep your head. You can’t let your anxiety rule your decision making.
The following are some guidelines you can follow so you can be sure
that you will be able to make it through a downturn in the economy and
keep your long-term investment plan in check.Stick with your long-term plan
If you want to reach your retirement goals on time, it is important that you stick to your plan. Your investments should obviously be diverse, and you need to make investments in each asset regularly. Most investors should increase their amount invested in bonds and reduce their stock holdings as they get closer to retirement. With this type of plan, you shouldn’t have to worry or make hasty decisions when the market fluctuates.
The 6 Forgotten Fees of Owning a Car
This is a guest post from Laura Backes
Getting
a car is a big step. A car can give you a sense of independence; a
feeling of self-sufficiency. However, having a car means coming up with
the money for several costs beyond just the monthly payment. These
expenses can add up to thousands of extra dollars each year. Make sure
you don’t forget about these six fees.
1. Repair
Car repair can be costly. If something in your car breaks, you can get repair estimates that vary in the hundreds if not thousands of dollars. Even if you know someone or have a buddy that knows about car repair, sometimes the parts alone cost a bundle. No matter how old or how new your car is, all cars will require repair sometime. Counting on your warranty? Forget it. The split second it expires, the car will break down.
2. Upkeep
Not only does a car have to be repaired sometimes, but it needs to be kept up regularly. Cars require oil changes, new tires, fluids changed and topped off. It is an endless battle. Be prepared to empty your pockets every ten thousand miles or so for some major maintenance. Oh, you can ignore it, but remember- you’ll end up paying a lot more for repairs in the future if you do.
Getting
a car is a big step. A car can give you a sense of independence; a
feeling of self-sufficiency. However, having a car means coming up with
the money for several costs beyond just the monthly payment. These
expenses can add up to thousands of extra dollars each year. Make sure
you don’t forget about these six fees.1. Repair
Car repair can be costly. If something in your car breaks, you can get repair estimates that vary in the hundreds if not thousands of dollars. Even if you know someone or have a buddy that knows about car repair, sometimes the parts alone cost a bundle. No matter how old or how new your car is, all cars will require repair sometime. Counting on your warranty? Forget it. The split second it expires, the car will break down.
2. Upkeep
Not only does a car have to be repaired sometimes, but it needs to be kept up regularly. Cars require oil changes, new tires, fluids changed and topped off. It is an endless battle. Be prepared to empty your pockets every ten thousand miles or so for some major maintenance. Oh, you can ignore it, but remember- you’ll end up paying a lot more for repairs in the future if you do.
Frugal Dating Tips for New Couples
Plan a Date Outdoors
Nice weather and beautiful outdoor scenery can make for a very romantic date, and an affordable one, at that. You can go hiking, climbing, or camping in a national park, spend an afternoon walking along a sandy beach, or simply pack a picnic lunch and enjoy it at one of your favorite outdoor locations. There are numerous seasonal activities to consider as well. Pay a visit to your community's local botanical garden and take in the beautiful flowers, plants, and fountains. As a couple you can also go berry-picking at a nearby berry patch or check out an apple orchard or pumpkin patch in the fall. Once you get your goodies home, you can make some delicious jams and jellies or a fresh fruit pie together.
Is an Equity Release Scheme for me?
This is a guest post from Becky
An
Equity Release Scheme isn't something to enter into lightly, and you
really need to understand what you're getting into before you sign up
for one. There are three kinds of schemes, which will be discussed in
this article, along with how they work and how to choose the right one
for you.
What is an Equity Release Scheme?
With an equity release scheme, you're able to raise money against the value (or equity) of your home, without having to repay the loan. There are three kinds of release schemes: lifetime mortgages (you repay from your estate after you die), home reversion (you repay with the sale of your home after you die or enter into long-term care) or draw down lifetime mortgages (instead of a lump sum, you can pull money out of the fund when you need it).
An
Equity Release Scheme isn't something to enter into lightly, and you
really need to understand what you're getting into before you sign up
for one. There are three kinds of schemes, which will be discussed in
this article, along with how they work and how to choose the right one
for you.What is an Equity Release Scheme?
With an equity release scheme, you're able to raise money against the value (or equity) of your home, without having to repay the loan. There are three kinds of release schemes: lifetime mortgages (you repay from your estate after you die), home reversion (you repay with the sale of your home after you die or enter into long-term care) or draw down lifetime mortgages (instead of a lump sum, you can pull money out of the fund when you need it).
Why Should a Small Business Use Cash Basis Accounting
This is a guest post by Rebecca Jones
The small
business owners usually employ cash basis accounting method instead of
the other choice to collect, record and report the financial
information. The accounting information is nothing but an array of
&company&rsquo financial transactions. The financial statements
are generally the final result of a company &rsquo accounting
procedure. The financial statements are usually prepared using two
methods- the cash basis accounting and the accrual basis accounting.
Generally the bigger business groups employ the accrual basis accounting
method for their accounting work. Even the smaller groups have the
choice of adopting it; however, it is always advisable for them to use
cash basis accounting for many of the reasons as discussed below:
The small
business owners usually employ cash basis accounting method instead of
the other choice to collect, record and report the financial
information. The accounting information is nothing but an array of
&company&rsquo financial transactions. The financial statements
are generally the final result of a company &rsquo accounting
procedure. The financial statements are usually prepared using two
methods- the cash basis accounting and the accrual basis accounting.
Generally the bigger business groups employ the accrual basis accounting
method for their accounting work. Even the smaller groups have the
choice of adopting it; however, it is always advisable for them to use
cash basis accounting for many of the reasons as discussed below:How Much Car Can You Really Afford
This is a guest post by Evan Fischer
When
it comes to buying a new car, you’d be hard pressed to find anyone that
would complain about going home with a brand new Ferrari or Tesla. And
yet, most of us simply can’t afford these high-priced vehicles.
However, that doesn’t stop most buyers from looking at (and even
purchasing) automobiles that are out of their price range. But how does
this happen? Even fast-talking salesmen can’t make you do something
you don’t really want to. The truth is that most of us look at the
sticker price on a car and mistakenly make this the magic number.
Unfortunately, this method fails to take into consideration the attendant costs that go along with automobile ownership. So if you’re trying to determine how much you can really afford when it comes to your car, here are a few things you’ll want to factor in.
When
it comes to buying a new car, you’d be hard pressed to find anyone that
would complain about going home with a brand new Ferrari or Tesla. And
yet, most of us simply can’t afford these high-priced vehicles.
However, that doesn’t stop most buyers from looking at (and even
purchasing) automobiles that are out of their price range. But how does
this happen? Even fast-talking salesmen can’t make you do something
you don’t really want to. The truth is that most of us look at the
sticker price on a car and mistakenly make this the magic number.Unfortunately, this method fails to take into consideration the attendant costs that go along with automobile ownership. So if you’re trying to determine how much you can really afford when it comes to your car, here are a few things you’ll want to factor in.
7 Ways to Make a Budget Work for You
This is a guest post from Joe Johnson
Not
thinking about your debt, not sticking to a budget, and not controlling
your spending patterns will only lead you down a path of despair. To
enjoy your life and in your elder years, it is important to face your
financial status and make plans to free yourself from companies that
thrive on keeping you in debt for its own gains.
Take some steps, no matter how small, on the road to decreasing debt so that more of your money can be saved for things you truly enjoy doing, unexpected emergencies, or for an early retirement. Life shouldn’t be wasted worrying about money; it should be wasted on pure happiness. Take control of your future with these 7 tips.
1) Eliminate the use of credit cards.
Live on the money that you earn. It’s a false sense of wealth when you receive and use credit cards with high limits. Credit card companies will always entice you with spending more by increasing your credit limit, offering low introduction rates followed by high interest rates, and easy to use pre-printed checks.
Not
thinking about your debt, not sticking to a budget, and not controlling
your spending patterns will only lead you down a path of despair. To
enjoy your life and in your elder years, it is important to face your
financial status and make plans to free yourself from companies that
thrive on keeping you in debt for its own gains.Take some steps, no matter how small, on the road to decreasing debt so that more of your money can be saved for things you truly enjoy doing, unexpected emergencies, or for an early retirement. Life shouldn’t be wasted worrying about money; it should be wasted on pure happiness. Take control of your future with these 7 tips.
1) Eliminate the use of credit cards.
Live on the money that you earn. It’s a false sense of wealth when you receive and use credit cards with high limits. Credit card companies will always entice you with spending more by increasing your credit limit, offering low introduction rates followed by high interest rates, and easy to use pre-printed checks.
Tips to Avoiding Investment Property Scams
This is a guest post by Sachin
This article explains you five essential tips to recognizing and avoiding investment property scams
While there are plenty of legitimate property investment agencies and investment property seminars out there, many investors are still falling victim to property scams and the number of cases across Australia is rising!
Property scams usually involve prospective investors going to an investment seminar and meeting with an agent or a property “specialist”. These unsuspecting investors are then spun a golden tale about how they are going to make millions by following the agent’s particular investment strategy.
In reality, however, what these investors are buying into is an overpriced and potentially bad investment property. Furthermore, when they try to contact the agent they bought the property through, to ask why the investment property is under-performing, their agent has miraculously vanished.
Here are 5 tips to help you recognize and avoid falling victim to these investment property scams.
This article explains you five essential tips to recognizing and avoiding investment property scamsWhile there are plenty of legitimate property investment agencies and investment property seminars out there, many investors are still falling victim to property scams and the number of cases across Australia is rising!
Property scams usually involve prospective investors going to an investment seminar and meeting with an agent or a property “specialist”. These unsuspecting investors are then spun a golden tale about how they are going to make millions by following the agent’s particular investment strategy.
In reality, however, what these investors are buying into is an overpriced and potentially bad investment property. Furthermore, when they try to contact the agent they bought the property through, to ask why the investment property is under-performing, their agent has miraculously vanished.
Here are 5 tips to help you recognize and avoid falling victim to these investment property scams.
Is Buying A Lottery Ticket An Investment?
This is a guest post from Tino Sundin
Let me
tell you a little story. About fifteen years ago, I invested $3000 into
a certain company on the Toronto Stock Exchange. I had absolutely no
experience with the stock market or any financial sense whatsoever. In
fact, I knew nothing about the company that I invested in. To top it all
off, I couldn't even afford to invest that kind of money. I was a
student at the time and that was almost all of the money I had. But I
did it. $3000.
Why did I invest almost all of my money in a company I knew nothing about? I don't know, it might have been greed. I wanted to become rich. See, a friend of mine, a guy that went to the same school as me, suggested I do it. His dad invested in it and told him it was a sure-shot. The company used to be listed on the exchange at $28. Then it fell to just 30 cents, which is the price I bought it at. My friend explained to me that the company would end up going back to $28 within a year. If his prediction came true, my $3000 investment would pay me $280,000 within a year. I was seeing dollar signs in my eyes. I was excited.
Let me
tell you a little story. About fifteen years ago, I invested $3000 into
a certain company on the Toronto Stock Exchange. I had absolutely no
experience with the stock market or any financial sense whatsoever. In
fact, I knew nothing about the company that I invested in. To top it all
off, I couldn't even afford to invest that kind of money. I was a
student at the time and that was almost all of the money I had. But I
did it. $3000.Why did I invest almost all of my money in a company I knew nothing about? I don't know, it might have been greed. I wanted to become rich. See, a friend of mine, a guy that went to the same school as me, suggested I do it. His dad invested in it and told him it was a sure-shot. The company used to be listed on the exchange at $28. Then it fell to just 30 cents, which is the price I bought it at. My friend explained to me that the company would end up going back to $28 within a year. If his prediction came true, my $3000 investment would pay me $280,000 within a year. I was seeing dollar signs in my eyes. I was excited.
5 Ways to Lower Your Car Insurance Premium
This is a guest post by Evan Fischer
These
days, just about everyone is scraping the bottom of the barrel to find
ways to pay monthly bills and maybe even sock a little savings away.
Thanks to the ongoing recession this is easier said than done. But when
it comes to the cost of operating a vehicle, a necessity for most
working adults, there are quite a few ways that you can cut back, from
carpooling to DIY maintenance. And your auto insurance policy
is like a treasure trove of savings if you know what to look for. So
here are a just a few tips and tricks that will help you to quickly cut
your costs so that the privilege of driving doesn’t turn into a burden.
1. Ask about discounts. Your insurance provider likely offers all kinds of discounts for meeting certain criteria, but you may have to ask in order to get them. Some that you will certainly want to look into are discounts for safe driving, low mileage, multiple drivers, multiple policies (auto and home, for example), safety features (like LoJack or other anti-theft devices), and even good student discounts for the teen drivers in your household. If you are eligible for even one of these rebates you could see a significant savings on your insurance rates.
These
days, just about everyone is scraping the bottom of the barrel to find
ways to pay monthly bills and maybe even sock a little savings away.
Thanks to the ongoing recession this is easier said than done. But when
it comes to the cost of operating a vehicle, a necessity for most
working adults, there are quite a few ways that you can cut back, from
carpooling to DIY maintenance. And your auto insurance policy
is like a treasure trove of savings if you know what to look for. So
here are a just a few tips and tricks that will help you to quickly cut
your costs so that the privilege of driving doesn’t turn into a burden.1. Ask about discounts. Your insurance provider likely offers all kinds of discounts for meeting certain criteria, but you may have to ask in order to get them. Some that you will certainly want to look into are discounts for safe driving, low mileage, multiple drivers, multiple policies (auto and home, for example), safety features (like LoJack or other anti-theft devices), and even good student discounts for the teen drivers in your household. If you are eligible for even one of these rebates you could see a significant savings on your insurance rates.
Teaching Children the Basics of Money Management
This is a guest post by Vic Lance of nation wide surety company
From
entertaining television ads to colorful Internet banners, your children
are bombarded with advertising messages each day. You might think your
kids don't need to know about budgeting until they get older, but it's
never too early to start teaching them the importance of financial
responsibility. Many experts recommend teaching kids about money
from an age as early as three years old. As soon as your children are
old enough to understand how money works, they're old enough to begin
learning how to manage their finances. When you teach kids about money
from an early age, they'll also be more responsible with their finances
once they're on their own.
To teach your children about money, you'll need to provide them with regular income. Develop an allowance system that works like a regular paycheck. Give kids the same amount of money at fixed, regular intervals. This functions as a base salary that they can receive in return for performing certain chores or jobs. You can also provide incentive pay that works like a commission. Make a list of additional jobs or special tasks that kids can perform when they want to earn extra cash. While some parents prefer to separate household chores from monetary rewards, it's important to make sure you're teaching kids how to work in exchange for money. It's possible to teach kids about budgeting with a simple, chore-free allowance, but you can only teach them about earning through incentive-based pay.
From
entertaining television ads to colorful Internet banners, your children
are bombarded with advertising messages each day. You might think your
kids don't need to know about budgeting until they get older, but it's
never too early to start teaching them the importance of financial
responsibility. Many experts recommend teaching kids about money
from an age as early as three years old. As soon as your children are
old enough to understand how money works, they're old enough to begin
learning how to manage their finances. When you teach kids about money
from an early age, they'll also be more responsible with their finances
once they're on their own.To teach your children about money, you'll need to provide them with regular income. Develop an allowance system that works like a regular paycheck. Give kids the same amount of money at fixed, regular intervals. This functions as a base salary that they can receive in return for performing certain chores or jobs. You can also provide incentive pay that works like a commission. Make a list of additional jobs or special tasks that kids can perform when they want to earn extra cash. While some parents prefer to separate household chores from monetary rewards, it's important to make sure you're teaching kids how to work in exchange for money. It's possible to teach kids about budgeting with a simple, chore-free allowance, but you can only teach them about earning through incentive-based pay.
10 Steps to Improve Your Financial Status
This is a guest post from Joe Johnson
Wealth is measured by expenses and income. We are all wealthy; you just don’t know it yet!
Wealth is not measured by how much money you have in your bank account or by how many tangible items you own. Wealth is the difference between your expenditures and your income. The higher this ratio, the wealthier you are.
The process of reaching the goal of wealth is simple. You need to decrease your expenditures and save as much of your income as possible. Taking a close look at your expenditures and making different choice can elevate your wealth and allow you to be financially independent. Here are 10 advices to identifying wasteful spending and increasing your wealth.
1) Review bank fees. Large financial institutions charge fees for checking account balances, the number of checks you write in a month, and for using other bank’s ATM machines. Save on fees by switching to a local credit union where fees are minimal, if any, and order new personal checks online where it can be found at a cheaper rate.
Wealth is measured by expenses and income. We are all wealthy; you just don’t know it yet!Wealth is not measured by how much money you have in your bank account or by how many tangible items you own. Wealth is the difference between your expenditures and your income. The higher this ratio, the wealthier you are.
The process of reaching the goal of wealth is simple. You need to decrease your expenditures and save as much of your income as possible. Taking a close look at your expenditures and making different choice can elevate your wealth and allow you to be financially independent. Here are 10 advices to identifying wasteful spending and increasing your wealth.
1) Review bank fees. Large financial institutions charge fees for checking account balances, the number of checks you write in a month, and for using other bank’s ATM machines. Save on fees by switching to a local credit union where fees are minimal, if any, and order new personal checks online where it can be found at a cheaper rate.
Roth IRA vs Traditional IRA
This is a guest post by Matt Robinson
Are you
trying to decide between a Roth IRA and a Traditional IRA? While they
are both great saving retirement account options, there are some
significant differences between the two.
Here is a breakdown of each type of account, including information on contribution limits and more:
Roth IRA
A Roth IRA is considered to be a tax-exempt at withdrawal account, meaning that - as long as you meet all account requirements - you do not pay taxes on money that you withdraw from your account. It also means that you will not be taxed on your IRA account earnings.
Here are the basics of a Roth IRA Account:
- As long as all requirements are met, your contributions are tax-exempt upon withdrawal.
- The contributions that you make to your account are not tax-deductible and will not adjust your annual gross income (AGI).
Are you
trying to decide between a Roth IRA and a Traditional IRA? While they
are both great saving retirement account options, there are some
significant differences between the two.Here is a breakdown of each type of account, including information on contribution limits and more:
Roth IRA
A Roth IRA is considered to be a tax-exempt at withdrawal account, meaning that - as long as you meet all account requirements - you do not pay taxes on money that you withdraw from your account. It also means that you will not be taxed on your IRA account earnings.
Here are the basics of a Roth IRA Account:
- As long as all requirements are met, your contributions are tax-exempt upon withdrawal.
- The contributions that you make to your account are not tax-deductible and will not adjust your annual gross income (AGI).
5 Tips to Beating the Economy Slump
This is a guest article by Joe Johnson
Do not
allow the economy to determine the level of your financial wealth.
Design a budget that meets your needs and take control of your finances.
There is no need to succumb to the world’s unstable economic times. You wouldn’t go on a traveling vacation by just showing up at the airport. You would create a plan that includes the destination, lodging, and places you want to visit. This is the same thing with your finances. If you choose to ignore the ratio of your income to your expenses, you will drown in the waters of debt and allow the economy to determine your financial status.
Take direction and create a monthly budget. You need to stop feeling sorry for yourself in thinking that you are just living paycheck to paycheck. Stop creating debt with credit cards, and begin using a debit card or personal checks so your payments are done with the cash you have. Take control of your finances by following these tips to create a successful budget.
Do not
allow the economy to determine the level of your financial wealth.
Design a budget that meets your needs and take control of your finances.There is no need to succumb to the world’s unstable economic times. You wouldn’t go on a traveling vacation by just showing up at the airport. You would create a plan that includes the destination, lodging, and places you want to visit. This is the same thing with your finances. If you choose to ignore the ratio of your income to your expenses, you will drown in the waters of debt and allow the economy to determine your financial status.
Take direction and create a monthly budget. You need to stop feeling sorry for yourself in thinking that you are just living paycheck to paycheck. Stop creating debt with credit cards, and begin using a debit card or personal checks so your payments are done with the cash you have. Take control of your finances by following these tips to create a successful budget.
Life Insurance:The Basics
This is a guest article by Life Insurance Quotes, UK
Do you feel as though you need a PhD in Economics to understand how to choose the right life insurance for you?
Get in line. Life insurance was once an easy purchase to make, and the
options you had were very simple and straightforward. Now, there are
thousands of different kinds of plans, and the sheer number of options
is simply mind boggling. Make sure you understand the basics of life
insurance before you select a plan so you don’t find yourself buying
blind.
Term vs. Whole Life Insurance
The first step to understanding life insurance involves grasping the difference between term and whole life insurance. Term life insurance is essentially an insurance product that you buy to cover yourself for a limited, defined period. The length of time varies based on your needs and the conditions of the policy. The term you choose could be as little as one year, but most term life policies last somewhere between 10 and 30 years.
Do you feel as though you need a PhD in Economics to understand how to choose the right life insurance for you?
Get in line. Life insurance was once an easy purchase to make, and the
options you had were very simple and straightforward. Now, there are
thousands of different kinds of plans, and the sheer number of options
is simply mind boggling. Make sure you understand the basics of life
insurance before you select a plan so you don’t find yourself buying
blind.Term vs. Whole Life Insurance
The first step to understanding life insurance involves grasping the difference between term and whole life insurance. Term life insurance is essentially an insurance product that you buy to cover yourself for a limited, defined period. The length of time varies based on your needs and the conditions of the policy. The term you choose could be as little as one year, but most term life policies last somewhere between 10 and 30 years.
Little Known Ways to Reduce Monthly Expenses
This is a guest post from Scott Hersh
Do you
understand all of the laundry list of expenses that appear on your
billing statements? If you are like most people, the answer is probably
“no.” By taking a good look at your monthly expenses, you will
probably be able to save a lot of money on a monthly basis. The even
better news is that just by setting aside a few hours, one time, you
will reap the benefits on a residual basis. In other words, put in a
few hours of work now, and save indefinitely.
Many people lose a lot more money from recurring expenses than they would like to imagine. As a result of mistaken charges, fake charges, or unnecessary charges, your money may gratuitously be being leeched out of your pocket. You don’t need to let that happen. Let’s take a look at some methods of preventing these unsightly wastes of money.
Upon inspection, you might quickly realize that there are certain bills that you are still paying for without really needing to. I personally had this happen to me when I realized that in the summers I would rarely go to the gym to work out, because I prefer taking advantage of the nice weather, and working out outside instead.
Do you
understand all of the laundry list of expenses that appear on your
billing statements? If you are like most people, the answer is probably
“no.” By taking a good look at your monthly expenses, you will
probably be able to save a lot of money on a monthly basis. The even
better news is that just by setting aside a few hours, one time, you
will reap the benefits on a residual basis. In other words, put in a
few hours of work now, and save indefinitely.Many people lose a lot more money from recurring expenses than they would like to imagine. As a result of mistaken charges, fake charges, or unnecessary charges, your money may gratuitously be being leeched out of your pocket. You don’t need to let that happen. Let’s take a look at some methods of preventing these unsightly wastes of money.
Upon inspection, you might quickly realize that there are certain bills that you are still paying for without really needing to. I personally had this happen to me when I realized that in the summers I would rarely go to the gym to work out, because I prefer taking advantage of the nice weather, and working out outside instead.
Hiring a Roofing Company
This is a guest post by Jag Sandher
Choosing the
right roofing company is crucial if you are looking for quality work.
Roofing companies are not all equal. There are some with more experience
than others and some that simply just do a better job. This article is
designed to help you to pick a roofing company for your home or
commercial space. Here are some things to look for when choosing a
roofing company:
Estimation:
A quality roofing company will have a qualified estimator visit your home or commercial space to consult with you on your requirements. Beware of roofers that do not do any actual measurements or discuss roofing materials with you. A good roofer or roofing company will do the following:
- Make accurate measurements
- Recommend the right roofing materials
- Make recommendation based on what your budget and needs are
- Have a clean and organized vehicle
Choosing the
right roofing company is crucial if you are looking for quality work.
Roofing companies are not all equal. There are some with more experience
than others and some that simply just do a better job. This article is
designed to help you to pick a roofing company for your home or
commercial space. Here are some things to look for when choosing a
roofing company:Estimation:
A quality roofing company will have a qualified estimator visit your home or commercial space to consult with you on your requirements. Beware of roofers that do not do any actual measurements or discuss roofing materials with you. A good roofer or roofing company will do the following:
- Make accurate measurements
- Recommend the right roofing materials
- Make recommendation based on what your budget and needs are
- Have a clean and organized vehicle
Can Investing in a Health Savings Account Save you Money?
This is a guest post by Eliza Morgan
Getting
sick is expensive. For those of us that are lucky enough to have
medical health insurance, we get some sort of financial relief. But
deductibles continue to get higher and higher, which means out-of-pocket
expenses can still be pretty steep. Not to mention, without careful
research, you may just consent to a procedure that is not covered by
your insurance and get stuck with a hefty bill. In other words, you need
to be prepared for unexpected medical costs.
A good way to ensure that you always have a nest egg in case an unexpected medical expense arises however is to add on a health savings account through your coinciding bank and health insurance plan. A health savings account (HSA) allows insurance members to choose how much money is removed from their pay checks each month. That money is then placed on a health debit card that members can use at any time, as long as it's used to pay for medical bills and related services, such as prescriptions and co-pays.
Getting
sick is expensive. For those of us that are lucky enough to have
medical health insurance, we get some sort of financial relief. But
deductibles continue to get higher and higher, which means out-of-pocket
expenses can still be pretty steep. Not to mention, without careful
research, you may just consent to a procedure that is not covered by
your insurance and get stuck with a hefty bill. In other words, you need
to be prepared for unexpected medical costs.A good way to ensure that you always have a nest egg in case an unexpected medical expense arises however is to add on a health savings account through your coinciding bank and health insurance plan. A health savings account (HSA) allows insurance members to choose how much money is removed from their pay checks each month. That money is then placed on a health debit card that members can use at any time, as long as it's used to pay for medical bills and related services, such as prescriptions and co-pays.
Why Your Phone System Needs to Mesh With Your Accounting Practices
This is a guest post by Sachin
Phone
systems aren’t just phones any more. With e-commerce and phone sales,
they’re now very much a part of doing real business, and real accounts
work. Best practice small business accounting is now evolving a real
need to mesh with phone sales and other accounts management work. This
is a natural evolution, but the interesting thing is that phone accounts
management is also easily matched to basic small business bookkeeping
principles.
The other natural development is that telephone systems now require a good system design to fit the phone operations in line with business systems. Fortunately for businesses, a new, simple and streamlined approach to phone system management has been developed that solves all these problems.
The new business phone systems:
You may have wondered about the old phone systems and their apparent complexity and the obvious difficulties of engaging them with modern business systems. The story is pretty predictable- There are two basic problems in using the old style phone systems:
Phone
systems aren’t just phones any more. With e-commerce and phone sales,
they’re now very much a part of doing real business, and real accounts
work. Best practice small business accounting is now evolving a real
need to mesh with phone sales and other accounts management work. This
is a natural evolution, but the interesting thing is that phone accounts
management is also easily matched to basic small business bookkeeping
principles.The other natural development is that telephone systems now require a good system design to fit the phone operations in line with business systems. Fortunately for businesses, a new, simple and streamlined approach to phone system management has been developed that solves all these problems.
The new business phone systems:
You may have wondered about the old phone systems and their apparent complexity and the obvious difficulties of engaging them with modern business systems. The story is pretty predictable- There are two basic problems in using the old style phone systems:
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