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Day: July 3, 2018

Reasons To Tweak Or Change Your Life Insurance Policy

Things in life change quickly and we rarely know how our circumstances will change over time. If you first purchase life insurance when you are young you may need to change and rearrange your policy over time. There are several reasons to consider making changes in your policy type, your coverage amount, and the way your preferences are aligned. Some of the factors you may want to evaluate are marriage or divorce, the birth of children, impending retirement, or the purchase of a new home. Each of these situations will require more annual expenses and should be a reason to increase your coverage.

As with any insurance, it is very important to keep paperwork and / or company name available to your beneficies when the time arises. It is as simple as registering on a life insurance database to guarantee this information will never get lost and become a lost life insurance policy.

When insurance is initially purchased most people choose a term policy because the premium payments are more affordable than those of whole-life policies. As you grow and begin to earn more in your profession you may want to consider converting your term policy into a whole life policy. Most companies will allow you to do this in segments so that you do not have to put a huge outlay of cash at once on increased premiums. If you are not ready to convert to whole-life you may research current terms prices and consider switching policies if you can find the same coverage with a lower premium.

While getting married often means the combination of two fits it usually comes with a step up in lifestyle. This means that you have to make provisions for your spouse in case of your death. Whether you need to increase your coverage or not depends on the changes in your lifestyle but make sure that you change your beneficiary information. The birth of a child should also mandate an increase in coverage. You want your child to be provided for into adulthood and ensure the funding for a college education. With each child your insurance coverage can be increased.

The change of beneficiary information is very important in case of divorce. You may need to make arrangements for a trust to be created for your children to care for their insurance benefits.

Make sure you plan for changes in your policy if your circumstances are going to change drastically. If you buy a new house and your monthly output for a mortgage doubles your insurance benefits need to reflect that. If retirement will bring the loss of insurance to your spouse with your death then you should plan to include enough money to cover that and any loss of retirement benefits that your spouse may face.

Another change of circumstances that many people overlook is improved health. When purchasing your initial policy you are most often required to take a physical. Your promotions will increase if you are overweight, have high …

Revenue-Based Financing for Technology Companies With No Hard Assets

WHAT IS REVENUE-BASED FINANCING?

Revenue-based financing (RBF), also known as royalty-based financing, is a unique form of financing provided by RBF investors to small- to mid-sized businesses in exchange for an agreed-upon percentage of a business’ gross revenues.

The capital provider receives monthly payments until his invested capital is repaid, along with a multiple of that invested capital.

Investment funds that provide this unique form of financing are known as RBF funds.

TERMINOLOGY

– The monthly payments are referred to as royalty payments.

– The percentage of revenue paid by the business to the capital provider is referred to as the royalty rate.

– The multiple of invested capital that is paid by the business to the capital provider is referred to as a cap.

CASE STUDY

Most RBF capital providers seek a 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} to 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} return on their investment.

Let’s use a very simple example: If a business receives $1M from an RBF capital provider, the business is expected to repay $200,000 to $250,000 per year to the capital provider. That amounts to about $17,000 to $21,000 paid per month by the business to the investor.

As such, the capital provider expects to receive the invested capital back within 4 to 5 years.

WHAT IS THE ROYALTY RATE?

Each capital provider determines its own expected royalty rate. In our simple example above, we can work backwards to determine the rate.

Let’s assume that the business produces $5M in gross revenues per year. As indicated above, they received $1M from the capital provider. They are paying $200,000 back to the investor each year.

The royalty rate in this example is $200,000/$5M = 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

VARIABLE ROYALTY RATE

The royalty payments are proportional to the top line of the business. Everything else being equal, the higher the revenues that the business generates, the higher the monthly royalty payments the business makes to the capital provider.

Traditional debt consists of fixed payments. Therefore, the RBF scenario seems unfair. In a way, the business owners are being punished for their hard work and success in growing the business.

In order to remedy this problem, most royalty financing agreements incorporate a variable royalty rate schedule. In this way, the higher the revenues, the lower the royalty rate applied.

The exact sliding scale schedule is negotiated between the parties involved and clearly outlined in the term sheet and contract.

HOW DOES A BUSINESS EXIT THE REVENUE-BASED FINANCING ARRANGEMENT?

Every business, especially technology businesses, that grow very quickly will eventually outgrow their need for this form of financing.

As the business balance sheet and income statement become stronger, the business will move up the financing ladder and attract the attention of more traditional financing solution providers. The business may become eligible for traditional debt at cheaper interest rates.

As such, every revenue-based financing agreement outlines how a business can buy-down or buy-out the capital provider.

Buy-Down Option:

The business owner always has an option to buy down a portion of the royalty agreement. The specific terms for …

6 Reasons Forex Traders Lose Money

The facts are clear: most Forex traders lose money. Only about 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of traders manage to create a long term and continuous income from their efforts. The rest simply end up poorer than they were when they got started.

How can you avoid this fate and make sure your Forex trading experience is a good one?

Here are 6 reasons why traders lose money:

1. Using complex systems – Some traders believe that if a trading system is simpler than it must be insufficient. They choose complex systems which are so hard to operate that they never completely grasp them. Choose a program which is simple to operate. It's the key to making the right decisions.

2. Can not control emotions – Trading is an emotionally turbulent experience. Watching the market turn against you is always stressful. The problem is that many traders can not control their emotions and allow them to influence their decisions. They end up making silly mistakes.

3. Long learning curve – Many traders choose systems which take forever to learn. Again, this has to do with the complex issue. Wasting time is also wasting money. In addition, the longer you need to spend learning something, the more things you forget about it. This leads to bad decisions and wasted money.

4. Poor money management – Trading the Forex market is not about one single trade. It's about a whole strategy of trading and investment which requires you to strategize. You need to fit your trades to your current financial status and level of knowledge. Otherwise, one trade can wipe out your account without warning.

5. Relying too much on software – There is no harm in using automatic trading systems. Some are pretty good. However, not knowing how to trade yourself means that you are forever dependent on some program. The way to achieve a long term Forex trading success is through true knowledge and hands on experience. Software programs can make you a lot of money, but make sure to get a Forex education too.

6. Not trading with Stop Loss and Take Profit prices – This is a huge mistake which many traders do. You need to always have a target price in which you get out of the market and take the profit that you've earned. You also need to set a Stop Loss price in case the trade went against you. This is part of money management and is a critical step to stop losing money on Forex.

Avoid these mistakes and you'll have more success …

Setting Up Stability Between Family and Business

The main reason why a lot of people work practically 10 to 12 hours a day six days per week is for the leading reason for providing a better lifestyle to their spouses and children and seeing that they are happy. On many occasions they'd also like to be a part of the overall process of happiness, but rarely are they a part of it. Mainly because their business and work keeps them so busy and under pressure, they neglect this important and vital aspect of life. The primary reason for developing and generating income is to appreciate it with their loved ones which on the other hand get blurred while in the whole operation of creating wealth and establishing revenue.

Therefore, it's very important to identify a middle path that will make sure that a proper balance is established between family life and business life. In the event that this is not executed, it is likely to create friction and tension in homes and over a period of time your family members drift apart and do not build a love and a bond within them. So why do not we over the next several paragraphs talk about some of the things that could have achieved to make a perfect balance between earning money and enjoying the same with your family.

You can find thousands of bread-winners for the family that have the best of homes, cars along with other luxuries but they are not able to engage in these luxuries and are occupying making more money or pre-employed in finding methods to protect their businesses from today's very competitive and unpredictable economy.

The main reason why some people give up their jobs has been to be self-sufficient and have evenings and weekends at their convenience. Such people thirsting for independence start their own businesses. Yet over a period of time they end up slaves to their own businesses and therefore they worse off than they were when working a typical job. All the demands in having a business can be high especially throughout the initial stages that you are in the operation of taking off. As a result, it is very important to understand the art of handling business demands and your own individual and family life.

One of the best starting point would be to try to be home at least by 7 PM however much your work demands might be. With this objective you need to learn the art of delegating your work and supervising your people better. In the same light it would also be a good idea to have at least Sunday's for your own and for the pleasure and well-being of your spouse and children. Without entirely necessary you should not get into the practice of working on Sundays or weekends.

In addition you should also set out at the very least two weeks each year and try to move far from home. Here again you must understand the importance of relying on and …

How To Start An Internet Business With Little Or No Money At All

One of the really cool things about starting your very own internet business is that it can be done rather quickly and inexpensively. In fact some of the most profitable internet businesses started with little and in some cases no money at all. The truth is, anyone with the willingness to learn and take action can start and operate their own profitable internet business. In this article I am going to show you how starting a legit online business can be done for little or no cost at all.

One of the reasons I love using the internet to make money is the fact that it can be done with little startup cost. Unlike many offline businesses that can cost in the thousands to get off the ground, an online business can be up and running for no more then $ 25. Listed below is a completely free way to start your business and a very cheap way to get your business off the ground.

Complete Free Way – We are going to be using affiliate marketing as our business model for both of these examples. We are going to become affiliates of products that we have researched and feel comfortable promoting. So how do we start this absolutely free? It's simple. Whenever you sign up as an affiliate of a product you are usually given an affiliate link. This link is a tracking link that links you to the sells that you make. The problem with these links are that they are often times very unattractive looking. They need to be disguised so that when people see them they are not turned off by all of the mumbo jumbo displayed in an affiliate link. There are several free link shortening websites out there that will give you the ability to make your link look a lot more appealing and clickable to web browsers. To find one of these link sharing sites all you need to do is go to Google and do a search for "link shorten sites", you should find plenty to choose. Choose one, shorten your link and get marketing.

There are tons of free ways that you can promote your affiliate products. Some of the most popular ways to do this is by using article marketing, video marketing and free classified sites. You can make a good amount of income online without spending one dime of your money.

Very Cheap Method – This method cost a little bit of money to get setup but is in my opinion a little more effective. What we are going to do here is make our affiliate link look really good. What we are going to be doing is called "domain masking". This is where we will purchase a real domain name for the product that we are promoting. I personally like using.com domains. They usually will cost you anywhere from $ 9- $ 11. Make sure that you get your domain from a company that offers domain masking. Most …

How To Save Money On Your Heating Bills

How much do you think you spend on your heating bills at present? According to the Energy Saving Trust, on average half the money spent on utility bills in the UK goes towards heating and hot water.

Is it there before any surprise that come the first sign of winter, many households have the same answer rumbling on, whether to put the heating on. But, did you know that by taking precautionary steps, you can reduce your energy bills at the same time as keeping your home warm. Five top tips we recommend are …

Make an Extra Layer Your First Choice:

Many of us opt to switch the heating on the moment that we feel a chill in the home. Automatically reaching for the heating will cause your energy bills to rocket. Instead, your first option should be to make an extra layer of clothing your first choice to keeping warm.

Have Your Boiler Serviced Annually:

As with all appliances within the home, general usage can take its toll on your boiler. This wear and tear will leave your boiler performing below its optimum level, hindering its efficiency and costing you more in energy bills.

To reduce the risk of wear and tear on your boiler, you should have it serviced annually. Ideally the service should take place before winter takes hold.

Along with getting your boiler serviced, it's also recommended to install a CO2 alarm next to the boiler.

Bleed Your Radiators:

If you've put your heating on and found that the top of your radiator is cooler than the bottom, then you'll need to bleed them. This is not a difficult task, nor is it time consuming. But it is one which should be carried out at the earliest opportunity to save you money on your energy bills.

To bleed your radiators, all you'll need is a radiator key and a towel.

With your heating off, use the radiator key to turn the valve at the top of the radiator to release any trapped air. Whilst doing this, hold the towel just below the valve to catch any water which may trickle out. As soon as water appears, close the valve.

Set TRVs Low:

Many modern radiators come with TRVs, which enable you to set the temperature of the individual radiator. Whilst many of us will turn the TRV to six, this will cost you money without heating the room any quicker.

To help save money on your energy bills, set the TRV to its lowest setting, before gradually turning them up until you find a comfortable room temperature. It's also recommend to keep the TRVs on a low setting in rooms which are not frequented often. This will help keep the room warm without wasting heat.

Utilise Natural Heat:

OK, so the sun is not as strong during the winter months, it can still provide the required warmth to naturally heat your home. To make the most out of the natural warmth from the sun, leave …