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What Are Bonds?

When people talk about financial things, you tend to hear the term stocks and bonds thrown around, but are they the same thing? The short answer is no. Stocks and bonds are different entities although they belong in the same financial framework as they are both things to make money and both things that can be bought and sold.

Bonds by definition are an instrument of indebtedness. While that doesn’t sound very appealing and not very much on the side of making money, in fact they are used to make money. It is a case of debt security. Your company wants financing and so to get that you get into the bond market.

The issuer holds the holder debt and then pays interest and/or repays the loan at a later date. Think of it like a regular loan, only the time you have to repay them can vary largely, most have a 30 year term, some have upwards of 50 years and some don’t have a maturity date at all.

You, if you hold bonds will have to pay interest at fixed times throughout the term, usually on a regular basis and they, in turn will fund your endeavors to finance long term investments. Regular small businesses wouldn’t necessarily have to go down this road, but large conglomerates and the government itself do.

The bond is a form of a loan, albeit a large one. The holder of it is called the lender (think bank or larger) while the issuer is the borrower. Banks aren’t the only institutions that can issue bonds, as public authorities, credit institutions and companies can also do it to build their wealth.

The common process is one of underwriting, where one or more securities firms join together to form a syndicate. This syndicate then buys an entire issue of bonds from the issuer and then resells them to investors around the world. This is the case for many transactions, however, the government has bonds issued at auction which is a whole other issue entirely.

While both stocks and bonds are securities, they do differ in how they are bought, how they are sold and how they are traded. Stocks for instance don’t have a maturity date that you have to pay them off by as they are things you purchase in the first place. Having stock in something is a whole other idea to having a bond in it.…

What You Need To Know About Credit Cards

What is a credit card? A credit card is a card that allows you to borrow money to pay for things. There will be a limit to how much you can spend called your credit limit. At the end of each month you can either pay off the whole of the amount you owe or make a minimum repayment. Other kinds of cards include: 1) A cheque guarantee card, issued by your bank, that you can use to ensure that your cheque will be honored up to a certain limit.

2) A chargecard where you have to repay the full amount at the end of each month.

3) A debit card, issued by your bank, where whatever you spend is immediately deducted from your bank account Do you need a credit card? Using a credit card is a useful way of making purchases: a) A credit card means you do not need to carry huge amounts of cash around and risk losing it.

B) A credit card means you can buy items over the internet.

C) A credit card means you can make purchases abroad without having to worry about local currency.

D) A credit card gives the opportunity to spread the cost of a large payment over several months.

E) A credit card is useful in an emergency. For example, an unexpected repair to your house or car.How do you choose a credit card? The main two UK credit card issuers are Visa and Mastercard. These are accepted in most places and in 130 countries worldwide. Beware of less well known brands that may not be accepted everywhere. Before you choose which credit card is the best for you, remember to read the terms and conditions carefully. Never sign up for a credit card without fully understanding what you are agreeing to. Remember that all the plus factors will be prominently displayed in large print. You may have to study the small print carefully to discover if there are any negative factors.
A list of the current cards on offer in summary is available on this credit card summary page. What You Need To Consider: 1) APR (Annual Percent Rate)

This is the rate of interest that you will pay on any outstanding balance. 2) Special Introductory Rates

You may be offered a low or 0{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} rate of interest for a limited time (Up to 6 months) when you sign up for a new card. A higher rate of interest may be charged for cash withdrawals. 3) Balance Transfer Rate

Card issuers may offer you a lower rate of interest if your swap your balance from another credit card to their. 4) Interest Free period

Remember to check when interest payments will begin. Will you pay interest from the day of the purchase? Or will you have a number of days interest free before you begin to pay? There is usually no interest free period for cash withdrawals. 5) Cashback and Rewards

Some cards over points or rewards for …

Who Loves Money Review – Who Loves Money is the Latest Internet Marketing Guide to Hit the Net

Who Loves Money Review

This is a review of who loves money. I bet you are thinking "here we go again". Yet another launch of some money making ebook that fails in using so called "iron clad" methods which are only successful in emptying your bank account. So why is Who Loves Money different, let's delve a little deeper.

So who is behind Who Loves Money?

Who loves money is the latest offering from two of the hottest marketers around today, namely Kyle and Carson. If you do not know who they are, well, this dynamic duo are the masterminds behind one of the most successful Internet Marketing membership sites on the net today, Wealthy Affiliate. They are also the authors of two of the most respected Internet Marketing ebooks, Beating AdWords and Inside the List, a must in any serious marketer's arsenal.

How is Who Loves Money different from the usual Money Making Dross?

Firstly, you will learn how to use proven techniques that do not require a huge budget, in fact you do not need to invest a dime of your own money.

Secondly, forget the outdated or useless methods given in other ebooks which fail dismally to provide any form of income. Within who loves money you are given a step by step guide into detailed money making techniques. These techniques are not theory or some hyped marketing fantasy, they are actual proven thechniques that are used by Kyle and Carson to earn money online.

Here's an insight into some of the techniques that are outlined in Who Loves Money:

  • How we earned $ 60 / Minute With A single Niche Market (We expose the exact niche & product)
  • How to determine which keywords sell
  • Niche Hunting Exposed – How we do it
  • An In-depth look at Clickbank
  • Penny Pincher Traffic Techniques
  • Kyle & Carson's Slow Roller Technique (Yet to be exposed)

Who loves money is a rare opportunity to learn the exact techniques used by two of the hottest marketers around without losing your shirt. This is a well thought out ebook, so if you are serious about making money online, then I highly recommend this. …

Online Motor Insurance Search

It can be a thoroughly baffling business conducting your own motor insurance search for the best buy. Although it is a very competitive market, and this means that there is a clamor of providers all claiming to offer the best deals in motor insurance, the sheer number of insurers and the proliferation of different insurance packages makes choosing a potentially hit-and-miss Affair. This is when an experienced, professional insurance broker can come to the rescue and help you make an informed and reasoned choice – ensuring you get not only the insurance cover you need, but also the best value for money into the bargain.

The first thing an insurance broker will need to establish is the best type of car insurance that best suits your needs. If the vehicle is old, worth very little and you simply can not afford any better insurance, then the discussion with the broker can be kept very short as you opt for the cheapest possible, most basic, third party cover. This will ensure that you meet the minimum legal requirement for insurance – your liabilities for any injuries you cause others (including passengers in your own car) and damage to third party property will be adequately covered.

The search can be both short and straight forward if you need the slightly wider protection offered by cover against the risks of third party, fire and theft claims – which means that you would at least be compensated up to the value of your vehicle if it is Lost or damaged through fire or theft.

The insurance broker will truly come into his own, however, if your search is for fully comprehensive motor insurance. Since there are more than a hundred companies offering comprehensive motor insurance, each with a number of different packages and each package offering various optional extras. A successful search, in this case, relies on your deciding just what elements you are likely to need.

The principal feature of comprehensive insurance, of course, is that it offers protection for a significantly wide range of risks, even when the loss or damage has been caused by the policy holder's own fault. Therefore, this will cover accidental damage to your own car, including the loss of or damage to any personal possessions left in the vehicle; Personal accident benefit for serious injuries you might sustain in an accident; And cover for any medical expenses you incur.

Although these are the core benefits generally included in all forms of comprehensive cover, it is important to remember that insurers differ with respect to the maximum levels of benefit payable and to the additional features available under the policy. Some of these might be optional extras, for which an additional premium will be payable, and could include: no claims discount protection; The provision of a courty car if your own needs to be taken to a garage for repairs or following a theft; Breakdown or roadside assistance; Legal expenses cover or even an extension of the insurance …

Bacardi Girls Make a Lot of Money to Play in a Pool – Become a Bacardi Girl

Bacardi is a great company that really knows how to present a lifestyle that any young guy or girl would want.

They do a wonderful job with the Bacardi Girls. I have a team of Bacardi Girls that I took with me to Palm Springs for a Dinah Shores event and they had the time of their lives.

They played in the pool while everyone was jumping in to get their pictures taken with them.

I had so many pretty girls approaching me and begging me to become a Bacardi girl.

I must admit, if I was a girl I would kill to become a Bacardi girl. They get to wear and keep some very expensive outfits. They get to go to all the cool parties and hang out with celebrities.

If their is a party and they are serving Bacardi, don’t look to far because the Bacardi girls will be around.

They bring so much pleasure to the event attendees that they beg for the Bacardi girls to stay.

To be a Bacardi Girl, you must be attractive and have a great personality.

I like to hire girls that are seductive and can seduce a man to listen to what they are saying. You want to be able to make a man drool when he sees you. A promotional girls job is to gain the attention of the targeted consumer and entertain them with a great conversation or games.

Girls that have a very nice body and the confidence to pull of a bikini are perfect to become a Bacardi girl.

Bacardi Girls typically make a lot more money than the average promotional model and they also make a lot more money than most college grads.

How many girls do you know that make over $4000 a month for a part time job.

There are millions of girls that are clueless about the promotional world and how much fun it is. When I am in Hollywood doing promotions, I can not believe the amount of girls that would approach me and not have clue how to become a promotional model.…

How to Raise Short Term Working Capital For Your Business

You have a business and you want short term working capital but you don’t know where and how to source it from? Business is full of uncertainties. Risks may occur in your business anytime that require finances.

Four Sources of Short Term Working Capital

1.) Your Own Savings

You can get short term working capital from your own savings without having to worry of paying any interest. But this amount may not be substantial enough to meet all the short term requirements of your business as it is usually small.

2.) Apart of the Long Term Borrowing

The long term loan you had borrowed can be used partly in financing short term requirements. Sometimes this amount may not be available as it’s already fully utilized.

3.) Bank Loans

Banks are the major lenders of money for short term periods. They lend loans for six months. This means that you have to pay them all their money plus a certain percentage of interest within the period of six months. You can obtain from them the secured or unsecured loans depending on the relationship you have with your bank. You may also take an overdraft or cash credit from your bank.

4.) Accounts Receivable

It is the smartest way of raising short term working capital especially if your business is always selling goods on credit basis. Here, the mercantile credit plays a great role in boosting your business transactions. You sell the goods on credit and your customers accounts are debited with the same amounts.

On the basis of your customer’s accounts receivables, you are able to get loans or advances from factors. When the money is received from the factors against these accounts, it’s termed as receivables financing.

Two types of Receivable Financing

A.) Ordinary Account Receivable Financing or Non Notification

This is a system of short term financing. You enter into an agreement with the financing institution which agrees either to purchase the non notification or advance you a certain amount of money against such non notification. Your customers are not intimated with this arrangement.

B.) Factoring

This is the arrangement whereby the factor buys accounts receivable (sundry debtors) of your business and assumes all the risk of non-payment. There is an agreement between you and the factor. The factor pays you money against your customer’s debts.

Five Differences Between Non Notification and Factoring

1.) Factoring assumes liability of bad debts while in non notification the seller is responsible for any bad debts.

2.) Factoring is responsible for the collection of bad debts while in non notification the seller is responsible for collecting them.

3.) Factoring forwards the invoices to your customers while in non notification the seller is the one sending the invoices to customers.

4.) In factoring the customer is informed while in non notification the customer is not intimated.

5.) Factoring is notification of accounts receivables financing while ordinary account receivable is non-notification of account receivable financing.…

Hide That Car! Fighting the Repo Man

Vehicle repossession may appear justified in circumstances where a person is generally being irresponsible and otherwise able to meet this financial obligation. However, what about that hardworking guy or gal who paid their automobile note dutifully for three years, and missed one payment? Why should their car be repossessed?

Basically, the lender owns your car until it is paid in full. Therefore, one missed payment is considered a breech of your agreement. It gets worse. After they take your car, they can sue you for what is called deficiency. Deficiency is any amount still owed on your contract AFTER your lessor sells your repossessed vehicle at–let’s say–an auction. Often they sell the car for less than they expected you to pay to get your car back. What do they care if they are going to sue you for the difference anyway?

I’ll explain it this way: Imagine paying $18,000 for a vehicle over time with maybe $5,000 left before the car is yours. You lose your job and fall behind a couple of months with the payments. Your vehicle gets repossessed. Now you must pay triple the amount of the two months you were delinquent because of added repossession and storage costs. You cannot come up with the money, so your car is sold at an auction for $1,500. The worst part: you are sued for the remaining balance of $3,500, plus the repo costs! What is the point of this? If they are going to sue you for the unpaid balance anyway, why not just give you the opportunity to pay the bill? Wouldn’t they come out better in the long run? Duh!

The repo man doesn’t care that your finances are in limbo because you have recently divorced or that your employer informed you in the eleventh hour that you were being laid-off. The repo man only cares about the fees that they will receive once they recover your vehicle. So, you must protect yourself.

Here’s an old fashion remedy for fighting the Repo man: If you know you will be able to come up with the money needed to pay your outstanding car note in a couple of months or so, switch cars with a friend until you get your finances straight. Better yet, HIDE IT in someone else’s garage for a while. Make sure it is someone you did not list as a reference on the credit application because the Repo man will definitely check their addresses in search of your vehicle.

I know a guy who switched cars with his brother who lived in a different state. Within three months, he straighten out his finances and paid his three month delinquent car note to date, plus late fees. He saved himself the high cost of repossession and storage fees, deficiency costs, and the embarrassment of

having his car repossessed (neighbors do watch).

The trick is to stay a step ahead of the repo man. Know their moves before they strike. This will help you prevent …

Government Grants For Personal Debt Elimination – Golden Tips

Most people do not realize that there are billions of dollars in debt relief government grants. If you are in trouble with a huge personal debt, i.e. credit cards, loans etc., you should seriously think about going for a debt relief government grant while there are still funds available.

Why not get a loan? A bank loan requires collateral or some form of security deposit to cover for the amount loaned, in case it does not get paid back. It is much easier with a grant because it does not require either of these.

Here are several golden tips to help you with government grants:

Take A Look At Your Situation

You should be prepared by taking a close look at your financial debt and income before applying for a grant. Then, you will be aware of exactly your debt to income ratio. The individual that receives your grant application will ask this, while going over all your finances.

Their job is to basically, check if in you could use some other method than getting a debt relief government grant. For instance, they may ask if you can sell some assets? However, with credit card or loan high debt against a low income, there is an excellent chance that you will get a grant.

Have All Document’s Information Match

With millions of people applying, the government is determined to make certain the money goes into families that need it the most. They will compare everything of yours to their forms to may sure it is consistent with what you have told them. Try to fill any governmental forms at home where you can take your time to be correct and match it to your records.

Know What Is Required

It is a good idea to know what the debt relief government grant offered by the Obama administration requires to see if you are eligible. You need to be an American citizen, over the age of 18, and in desperate need of personal debt relief.

How Much Can You Get?

The Obama administration grant department has stated that no individual with have their entire debt paid for. However, applicants could receive from thirty percent to eighty five percent covered. If you have had an emergency, hospitalization, damage from a severe accident to your house or car, the debt relief government grant official may approve the grant due to a personal financial catastrophe.…

What Are the Top 5 Ways to Influence Business Decision-Making?

You have spent years in building your technology – and the next step will make or break you.

What is this next step and what should you do right now?

What I am about to describe is what separates a successful entrepreneur from an also-ran. More than anything else, it is about the decisions the winner makes around how to spend their time.

Unsuccessful entrepreneurs do things that feel safe doing, such as creating product. Successful entrepreneurs understand that the product is a fraction of the business.

So what things should you be doing? And even more importantly, what are the most important things you need to understand about how other people (customers, prospects, investors, top new team-members) will make decisions about you. Winning entrepreneurs are great at addressing: they invest their time in learning how to better understand buyer-need and address it; They understand investor-need and address it; And understand how a top employee selects a company to work for and address it.

There are 5 things to think about now that your product is looking good

1. Why should anyone care about what your company does or produces? (Do not assume you know your market – ask them).

2. Where is your market and how will you reach them?

3. What's new, interesting, or different about what your company provides?

4. How will the company make money?

5. Who are you and why will you win?

There are plenty of articles that will tell you the same thing. What they will not tell you is this next secret about decision-making. In answering these questions you need to address not just the spoken question, but the unspoken question.

1. Did I get an immediate sense of what your product is and why it's important without having to do any work?

2. After hearing you, do I feel enthusiastic about you and your offering?

3. Do I feel like I have heard strong evidence of there being a "wave to surf"?

4. What is the compelling story about how these real real pain today?

5. Do you have bold claims about market-size and your ability to pull-it-off, and after hearing this am I intensely curious to find out more?

What are 5 things you can do differently that will address each of these 5 "real reasons" that will have someone buy your product, join your outfit, invest in your company?

1. Select a foundational phrase. A foundational phrase is a ten-word memorable, repeatable, remarkable phrase (such as "we network the networks" – Cisco; "the third place" – Starbucks, "1000 songs in your pocket" (Apple's iPod), that capture the essence Of your product / company. Stop working on perfecting the product and spend the hours on getting this right.

2. Learn to speak in a more interesting way by doing two things differently. First – select a metaphor that describes your product and its benefit, eg: "selling without using metaphors is like running a marathon barefoot – it is possible, but …

Jim Rohn Review – Scam or The Real Deal – Jim Rohn Success Review

Jim Rohn has a long trail of success and business philosophy that has helped motivate and inspires tens of thousands of people. Not too long ago someone said to me, Jim Rohn and those type of guys are scams, they just want your money and they are not the real deal. This Jim Rohn review will review a little about himself as well as some of his principles on success.

Jim Rohn is a renowned business philosopher, who has been sharing his success principles for more than 40 years, with more than 6,000 audiences and more than 4 million people worldwide. He is the author of 17 different works including The Five Major Pieces to the Life Puzzle and th Challenge to Succeed audio series.

By his own account, he was born to an Idaho farming family in the mid 1900s. Mr. Rohn began his early adulthood without acclaim, leaving college after his first year, starting a family, and trying to get by as best he could as a salaried worker. By age 25, according to his accounts, he was in a personal rut familiar to many middle class families – in debt, unable to see a way that would lead to his personal ambitions. Around this time, he was introduced to John Earl Shoaff, an entrepreneur who impressed Mr. Rohn with his wealth, business accomplishments, charisma, and life philosophy. Mr. Rohn joined Mr. Shoaff’s direct sales organization and began a process of personal development that allegedly culminated in his becoming a millionaire by age 31.

Jim Rohn has been said to have been very instrumental in launching the careers of other well known sales and motivational speakers such as Tony Robbins, Les Brown and Brian Tracy.

Some Jim Rohn’s success philosophies include:

  1. Set Your Sail – or in other words the way we think. The greatest challenge of life is to control the process of our own thinking.
  2. Learn from Success and Failure – Study those that do well do what they do and learn from the failures of other people.
  3. Read all you can – Take head to those that have taken the time to write the principles of success that have guided them.
  4. Keep a Journal – Jim Rohn states, “This is one of the best guides for making good decisions”
  5. Observe and Listen – Pay attention and watch what is going on around you.
  6. Be Disciplined – With careful mental preparation we can make wise choices.
  7. Don’t Neglect – Neglect is the major reason why people don’t have what they want.

In conclusion, Jim Rohn is not a scam, rather a man of wisdom and experience in helping others and himself achieve the success they desire. He is full of great information and guidance as you journey towards a life full of abundance and personal satisfaction. I would highly recommend reading material published by Jim Rohn as well as those whom he has inspired such as Tony Robbins, Les Brown and Brian Tracy.…