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Tag: personal

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, …

Enjoyment of Business

Being in business is like living itself. When one is in business, one encounters many things, including a few moments of enjoyment, pleasure, or happiness. Many times there is destruction, panic, desperation, or confusion. The majority of business consists of not-so-exciting, repetitive, and half-pleasant daily experiences. Some people become successful in business. They become rich because business is mostly about making money. These successful businesspeople have basic and common ground. When asked how and why they became successful, they always answer that they are lucky.

Of course, they were not just lucky. They put a tremendous amount of effort into studying, researching, and experimenting. They reached the point where they had gone through thick and thin. They all had embarrassing failures. They all share in common that when they failed, they did not give up, and they did not run away and disappear. Instead, they thought, analyzed, and built the next step.

There seems to be a pattern or cycle in business experience. It consist of three realms. The first and bottom is the "Lower Ground." The second located above "Lower Ground" is "Water." The top of the structure above "Water" is the "Higher Space." The structure is shown below:

Higher Space (Solutions and Experience)
Water (Devastation and Desperation)
Lower Ground (Problems and Suffering)

Someone starting a business stands on the "Lower Ground" at the bottom. He has lots of problems. He is suffering. He does his best to address and solve problems, but his situation does not improve. He goes up to the "Water" process, where his problem gets worse. He is devastated and desperate because he can not breathe. He feels like he could suffocate to death.

Most people give up at this stage, therefore, they can not be successful. Only one who has continued to maintain effort and struggle to survive will find himself in Higher Space. Oddly, this happens suddenly. This person finds himself breathing normally and no longer suffocating. He finds himself with solutions and experience.

After one has reached this stage, there is only one process left. It is analysis. The individual needs to consider, analyze, list, and record the successful process in a business journal or personal article. This also must occur when a person fails. He needs to know exactly why and how he succeeded. If one does not run this analysis process, he will go down to the Lower Ground, just like one loses all his skills if he had not practiced his favorite sport for a long time. …

Unfriendly "Phishing" Expeditions

One of the main concerns about anyone who does any kind of business, personal or otherwise, on the internet is identity theft. For identity theft to work, a victim has to provide the scammer with their social security number, bank account number, mother's maiden name, PIN number, other financial account numbers, or any other sensitive information so that the scammer can use that to pose as the victim and clean out existing accounts or get new accounts in the victim's name. This method of tricking victims into providing that information by pretending that they are someone they are not called "phishing" (PHony identity + fISHING for information = "PHISHING"). Here are some things to beware of in your attempt to protect your self from these phishing expeditions.

Beware Of "Phishy" Looking Emails

By far the most common form of phishing is fraudulent emails pretending to be from a financial institution, the government, or a legitimate business. The scammer sends this email out asking to "confirm" your personal or account information. They can use any type of reasoning from verifying your identity because you've recently won a settlement or lottery to exceeding your account will be closed without you providing this information. A popular avenue that phishers use is to claim that they are from the fraud department of an established company and they want you to verify your information as they suspect you may be the victim of identity theft.

If you have received emails like this, do not click on any links in the email. Scammers have the ability to make websites that look amazingly like the actual website of the company they are pretending to be. Clicking on these links will take you to these websites where you will be prompted to enter in your personal information. If you are in doubt if an email from a legitimate company is real, call them or go to their website (the best way to guarantee it is their site is to type their name into a search engine and click on it from there).

If these emails contain attached files, do not open them. Most legitimate companies do not send out attached files unannounced in their emails, but rather have you download something directly from their website if that is what they need you to do. Attached files from scammers or phishers could contain programs that install them on your computer and then send personal information to the scammer.

Beware Of "Pharming"

Pharming is one of the latest versions of online ID theft. Through the downloading of a file a malicious program is covertly planted on your computer and takes over your web browser. When you attempt to go to a legitimate web site, you're instead taken to a fake copy of the site without realizing it. Then, any personal information you provide at this phony site you are in essence handing straight over to the identity thieves.

Closely associated with "pharming" is the practice of prompting for information in …

Exploring Pet Insurance Quotes

Do you own a dog or a cat and have concerns about caring about its health? Those that fall into such a category should seriously weigh options regarding examining pet insurance quotes. Procuring a comprehensive pet insurance policy may prove to be the safest moves to make when looking to properly care for your beloved pet.

While most people think of health insurance in ‘human’ terms, it is also possible to purchase insurance for your pet. Some may wonder why anyone would wish to do so and the answer is fairly self-evident. Pets can suffer from unexpected ailments that require immediate veterinary care. The costs of such care could prove to be stunning. This is why having a pet insurance policy in place could prove to be a wise move on the part of the owner.

Again, if you are considering purchasing such insurance, you will most definitely want to look at a number of pet insurance quotes. The reason that you would do this is the same reason why you would want to examine a host of quotes from a traditional insurer. You want to get the very best policy for your own individual needs at the proper price you can afford. As with ‘human’ policies, not all pet insurance quotes will be the same. This is why you need to look at all available quotes. You want the most effective policy or else you could find yourself disappointed when the time comes to use the policy.

In some instances, insurance coverage will weigh heavily on your ability to provide proper care for your pet. This is probably the most important reason to look at as many pet insurance quotes as possible. You do not want to deny you dog or cat the treatment it needs due to your own lack of funds.

There are a number of factors that are considered when you seek an insurance policy for a pet. The insurance provider will look at the age of the pet, the specific breed of the pet, and the prior medical history of the pet. A quote will then be provided which comes with a corresponding monthly premium. The more pet insurance quotes you seek, the greater the variety in coverage and monthly premiums you will see. By amassing a large number of quotes, you can select the policy that best suits your needs and budget.

However, it is important to note that you do not always want the cost of the monthly premiums to be the prime motivator when it comes to selecting a policy. Yes, you want to avoid overpaying but you do want the coverage you procure to be comprehensive. Would you want a claim to be denied when your pet needs treatment?

Most assuredly, this is not a scenario you would wish to find yourself. Hence, you need to look over the pet insurance quotes to find the proper policy. To do otherwise would not be helpful in any way. And you do want …

No Win No Fee Explained

The term no win, no fee is often banded about but what exactly does it mean to you if you want to bring about a personal injury claim. The term came about in the late nineties and is often associated with the conditional fee agreement (CFA). This is where the solicitor is only paid if they win the case.

You may have seen the television adverts of listen to the adverts on local radio about how you can make a claim for a personal injury. Solicitors work on a no win no fee basis for personal injury claims, whether it be an accident at work or because of long term exposure to dangerous materials such as asbestos.

The conditional fee agreement or as most of us know it no win no fee which means if the solitor loses your case you do not have to pay a fee. So how can a solicitor afford to take on a case if there is no guarantee of winning. A good solicitor will advise you if your claim has little of no chance of being successful. In this case you should be advised not to proceed and it will be explained to you the reason for not taking on the case.

There are many reasons a case is not taken on, on a no win, no fee basis. If it is clear that the injury is not the fault of someone else then there is clearly no point in starting a case as there is no one to legally blame. There may also be circumstances where there is little or no proof to make a claim. If there are no witnesses or if medical reports are not final then a claim may not be taken on.

Whilst it is understood by much of the public that no win no fee means that you never have to pay anything. This is not entirely true, not all solicitors work the same and not all cases are the same. You need to ask your solicitor what you will be expected to pay for and if you will get all of any compensation won. All of the charges and fees will be in the paperwork you sign so make sure you read the small print otherwise you may be in for a shock.

It is often the case that an insurance policy will be taken out to underwrite your personal injury claim. This is because there is a chance that your case may not be successful and you will not end up with any compensation. An insurance policy will pay for the cost of the solicitors fees and other associated costs should you lose your case. You will need to ask where or not you will have to pay for this insurance or donate towards it's cost. …

Is Every Bill a Reminder?

Every time you go to the mail box do you cringe when you see your bills? The reason is they remind you of the money you do not have, the shortfall in your personal finances. If it's any consensus you are not alone, many people have the same situation these days.

Bills are here to stay some due to necessities, some due to our own wants. Either way you have to deal with them. You have three options when it comes to debt pay, do not pay, or negotiate. If you do not pay the lenders will exercise their options to make you pay so lets not make this an option. You want to have control over your personal finances so look at the remaining two options. Being in debt, deep debt can be an emotional situation and can cause you to make bad decisions.

The first thing is approach debt when you are calm, thinking clearly. To do this get all the information about what options are available and know exactly what condition your finances are in. You will find that most debt programs require fees and you can do the same things yourself. Also, consider if making more money would fill the gap in your finances without killing you. These are the decisions you will have to make after you get your finances under control.

Age, severity of problem, future increases and any other factors that pertains to your situation will determine what options you take. You may be surprised, with a few financial adjustments you circumstances may not be as bad as you think. If this is not the case at least you know where to start.

Do not let these financial burdens linger on forever, get the information and options you need. Choose the right one that best suits your circumstances. If you need extra income or debt relief options. …

Best Ways To Invest Money – Make A Fortune With Your Investments

So what really are best ways to invest money today? Actually, there is no one right answer to this intriguing question. If there was, everyone would be doing the same thing.

The truth is, many have made small and large fortunes in just about every field of investment, whether it be real estate, stocks, bonds, mutual funds, forex trading, etc. Therefore, it is impossible to simply point to one of these ways to invest money and say, "invest here."

First of all, the one thing you need to realize is that, no matter what field you plan on embarking in, every single successful investor thinks alike. By this, I mean that they all have written out, definable goals by which they want to accomplish with their investments.

You see, most investors simply start investing with the idea in mind of getting rich. They have no set, determined number in mind, no goals for what they want to do with that money.

They just want to get rich. Obviously, this will not provide much motivation when you have to spend hours on end learning about your particular area of ​​investing money.

The only thing that will often times keep you going is knowing what the end result you want in your investment. For instance, nobody just wants to make money to have green pieces of paper.

They want it so that they can do something with it (ex buy a new house or car, travel the world, etc). If you do not know why you want to get rich, you will not be very motivated to achieve that goal.

Here's what you do. Sit down and write out exactly how much money you want to make from your investments, and how long you want to take to earn that money. You might say, I want to have $ 100,000 in the bank by the start of next year.

Do not stop there. Now, write out all the things you want to do with that money, whether it be to buy a new house, boat, travel and take vacations, give to your favorite charity. Do whatever will be most motivated to you.

Put those goals in an area where you can view them often. This way, every time you are feeling discouraged or that you will never achieve your goals, one simple glance at your goals will give you renewed energy.

Follow these tips, and no matter which ways to invest money you choose to embark in, you can not help but make a ton of money. It may not happen overnight, but if you follow these tips, you will achieve your goals, no matter how lofty or unobtainable they may seem. …

Protect the Shell of Your Home With Buildings Insurance Cover

Anyone who takes out a mortgage will have no option but to take out buildings insurance cover. While it is compulsory and the mortgage lender will ask that you protect the outer shell of your home, you do not have to take cover from the lender. In fact by comparing quotes you will be able to save a huge amount of money on the cost of insurance and get the best deal. The easiest way to compare the cost of insurance is to go with an insurance broker and allow them to search for insurance on your behalf.

Buildings insurance cover would protect the outer of your home against damage. The amount that you want to insure your home for is the amount it would cost to totally rebuild your home from scratch. This does not take into account how much it would cost to replace the contents in your home such as your marriages. However a policy would generally cover fittings in the home that were not movable such as toilets, baths, sinks, fitted kitchens. In general anything would be covered that you can not take with you if you should decide to leave the property.

Along with the outer shell of your home being insured with buildings insurance a policy would extend to other things. Such things as greenhouses, patio furniture, sheds and garages along with paths and walls are all usually included in the policy.

It is essential when shopping around for your insurance that you check what is and is not included in the policy. Some policies will include damage by such as flood or fire, however some policies may ask that you pay extra for flood damage particularly if you live in an area prior to flooding. Subsidence is also generally included as is damage caused by vandalism or theft. When checking what is and is not covered in your policy look for accidental damage. This could cover pipe work underground, broken glass in windows and accidental damage to bathroom fitments. The majority of policies will exclude damage done by home improvements so always check for this.

With any type of insurance there will be a lot of exceptions and conditions set out in the policy so though boring it is the small print needs to be checked thoroughly before taking on the cover. Never just assume that something would be covered without it actually states that it is you might not be able to claim on the cover if needed.

There will always be a certain amount that you will have to payout before the insurance company will pay on your buildings insurance cover. This is called the excess and the sum you have to stand to will vary. You need to check to make sure of how much this would be before taking on the policy. Usually the excess can be in the range of £ 50 to £ 100, however if you want to keep down the cost of your policy you …