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Day: April 18, 2019

How to Make Money Online Using Your Talents

A lot of people do not know that you can work on the internet as a freelancer. Do you have any skills such as writing, SEO, web design or programming skills? With these skills, you could open an account on freelance websites and start offering these services for money.

Freelancing online

Nowadays thousands of people are offering their services online from home. You may think that no one will hire someone to write articles, to program or to design something for them. Well, think again!

When people start to get big online, they will not have sufficient time to work on extra projects such as writing articles and programming. However, they will still need to do these services one way or another to improve their websites, companies etc …

For these people time is money, so to save time they hire freelancers to do these jobs for them while they keep working on other projects. If your service is good, these businessmen will keep coming to you again and again for more work.

Apart from being a good business, freelancing is one of the fastest ways to make money online. Websites and blogs will take days, months or even years to start making a good amount of money while freelancing will take minutes, if you post your ads in a good freelancing site.

How to offer your freelancing services

Before you start offering your services make sure that you search on the internet for the services that you will be offering. Check for freelancers in your subject and check out their prices and conditions, that way you can get some ideas.

Once you decide the prices and conditions of your service go to a freelance site such as elance, make an account and post your ad. Make sure that you put up a nice ad with correct grammar and a nice design to show your professionalism.

After some time you will start receiving e-mails from different people that are interested in your service. The only problem that you are going to worry about is workload, because believe me you will start to get a lot of work and a lot of different offers!

That's the best thing about freelance, there's always something that you can do and if you get a massive workload just refuse the upcoming offers until you are finished with the current workload. In other words you will be your own boss and you will work anytime you want to. …

Rent Guarantee Insurance – Why Should I Bother?

This is a question that we get asked frequently by landlords. The majority of landlords see this type of cover as an extra un-necessary expense that simply eats into their profits. The landlord has obtained glowing references for their tenants from the previous landlord & current employer so there does not seem to be any risk. Well, this is where they are wrong. Every credit check and reference under the sun can be obtained but this can only ever show the charges past history. This is obviously all we can go by as none of us have a crystal ball to see into the future but you only need to talk to other landlords or indeed watch the 'Tenants From Hell' programs on ITV to realize that things can change at the drop of a hat.

A tenant previously stated as a 'model tenant' can turn your purchase to let investment into a nightmare. A bad break-up with a partner or unexpected redundancy are a couple of common problems that cause a tenant of good repute to go 'off the rails'. Think, if your tenant defaults on their rental payments for 2-3 months would you be happy to absorb this? Could you afford to fund the mortgage payments yourself? What if the tenant will not communicate with you or leave the property, you stand to loose thousands of pounds in lost rental income and legal expenses incurred to fight the tenant and you should also take into account the time and stress involved.

There are generally two types of Rent Guarantee Insurance policies, Percentage Rated and Entry Level.

Percentage Rated

The majority of Rent Guarantee Insurance policies are charged at a certain percentage of your annual rental income. This is typically around 4{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} plus Insurance Premium Tax (IPT) of 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on the premium. A landlord with a monthly rental income of £ 800 per month would pay £ 420 for this cover.

Entry Level

These policies are more basic and do not have all the 'bells and whistles' but are much cheaper. For around £ 100- £ 150 per annual you can purchase an entry level policy that includes legal expenses cover and will pay you your rent arrears up to a certain limit (typically £ 2,500 per month) with a maximum indemnity limit for rent arrears of around £ 10,000 per claim. These entry level policies are seen as a more viable way of providing landlords with that extra protection for their buy to let investment. The costs are more justifiable and usually the cover provided is sufficient for the landlords needs.

What are the differences?

Typically the main difference between the policy charged on a percentage of rental income and the entry level policy is when the rent arrears payments start and finish. The percentage policy may not have an excess period and may continue to pay rent arrears after the tenant has been evicted to assist while you search for a new tenant. These payments are normally …

Lessons You Must Teach Your Children About Money And Credit!

When credit card offers start arriving in your childs mail, they can become an easy remedy for being broke and this will lead to even more money mismanagement and even credit problems or worse, bankruptcy! Teaching your children about money does not have to be a hard lesson though and if you get to them while they are young, it will be easy and fun for them and you will be setting up good habits to carry them through for life.

There are a number of ways to begin teaching money management so they do not have problems in the future.

Introduce them to money itself! Help them with homework math problems and get them used to the idea of ​​counting money, quarters, pennies, dimes, dollars and so on. Have then do simple math like adding and subtracting and so on. As they get older you can add more complicated math problems and issues such as understanding how to calculate interest from credit cards, the first type of credit they are likely to get.

Teach by being an example! This can be harder on us than our children, but it is worth it. Your children will learn about money management easier when you learn the lessons you are teaching! You children will not believe a word you say if you do not have good money management skills yourself, so learn all YOU can about credit, budgeting, investing, saving and avoiding or reducing frivolous debts.

Give them an allowance! Yes, that means your going to have to give them some money yourself, even if it is only a dollar or two a week. let them make their own decisions about what to do with it. Some say a dollar for every year of age is realistic in our current times. If you have a 10 year old, give them 10 dollars per week or month depending on your own budget. If they are never given any money, they will never learn how to manage it! Hopefully they will have learned from you by the knowledge that they have received how to spend it or even if they want or need to. Whether they blow it on the first want or decide to save it, they will be better money managers when they become adults.

Teach them one thing at a time! Do not overwhelm them with all types of responsible money management at once or you will lost them in the process. Children are not often great managers of much at a young age and if you let them fall once in a while, this can be the best lesson of all! The more experience they have with money, the better skilled they will become in managing it. If they so choose to blow it as soon as they get it, then this will teach them about patience and saving for what they really want and avoid impulse buying. You are also setting up the foundation for investing at this time, …