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“It takes as much imagination to create debt as to create income” quote attributed to Leonard Orr; if this is the case, then why is it that we create debts more easily than an income? well, most of us do, I know I do… I work so hard to create my income but on the contrary I easily get into debts.
In the last 5 years I have found myself getting into more and more debts, the more debts I get, the easier it gets for me to get to the next one and the next. My bank does not help either, the more debts I have, the higher the borrowing rates I am banded in, I guess it is because I am considered as a high risk to the bank.
Then there is overdraft charges, bounced direct debit charges, checks, late payments on my loans, utilities, mortgages all compounding into increasing my debt thus lowering my credit score and consequently increasing my APR… my debts feels like snow ball, free falling from a hill getting bigger by second, getting more and more out of control.
I took upon myself to look back at how I got into debts in the first instance; I knew if I have any chance of regaining control of my finance, I will have to know how I got in. It pays to understand how one gets into debt, and to do so, understanding income and expenditure is important.
Income is any earning that lands at your disposal, it may be money earned through paid employment, as business profit, or from investments. Expenditure (or sometimes known as expenses) is any transaction that takes away your earnings, for instance paying bills, mortgage, loans etc.
Income and expenditure chart, table or write up, (also known as cash flow) is a snap-shot of your earnings versus expenses. It is in essence looking at what you earnings (income), usually monthly against expenses (outgoing). An average person would not bother writing down his/her cash flow.
Using cash flow, it is easy to see how one gets into debt. When income is lower than expenses (also known as negative cash flow), the shortfall (deficit) has to be covered somehow from somewhere and for most of us it is covered by borrowing (loan, credit cards, store cards).
I began to learn that, if I am to avoid getting into debt, I will have to “live within my means”, i.e. at least break even between my income and my outgoing. To do this, I needed to master my will, guts and learn not to be ashamed of where I was, financially.
Most of the time, the pressure of conforming to other people’s expectations (keeping up with Joneses) is the one that gets us to live beyond our means, thus getting into debts. What we don’t understand is, debts have crippling effects and they are addictive in nature.
Robert Kiyosaki, in his book Cash Flow Quadrant (2000, p205) rightly said, “people who cannot control their cash flow work for those who can”; if we are to become free, we have to learn to control our cash flow and this begins by WRITING DOWN monthly cash flow account (personal income and expenses account)… it is surprising how those unplanned A�5 expenses quickly adds up to A�100’s plunging one down into ‘negative cash flow’.
The aim is to take control of the personal cash flow with the objective of creating income higher than expenses, positive cash flow (surplus) and use the surplus to get out of debt, invest to create more surplus and of course to ‘spend’ on pleasure. My personal motto is: “live within my means, then increase my means”, for pleasure, use surplus only… thus, no surplus, no pleasure.

 

There are as many different types and styles of credit cards as there are financial institutions. The different types may be more suitable to one situation than another. A Rate for Life credit card can be a useful tool for helping to get debt under control by fixing a flat rate to the transferred balance.
* What is Rate for Life?
The premise is simple though the name can be interpreted differently. Rate for Life specifically refers to the life of a transferred balance to the card. Different providers will offer a low interest rate on the transferred balance but have a normalized APR for additional purchases made on the card. This low interest rate usually only applies on transfers made within a specified amount of time after the card is approved and until the transfer balance is paid off.
* Example:
Rate for Life Credit Card A offers a 5.9% interest rate on all money and balance transfers made to it within the first 90 days of acceptance with a 1.5% handling fee. Credit Card A features an APR of 16.9%. No matter what other purchases are made on the card, the original transfers will only be billed at 5.9% interest rate. Any additional purchases with Credit Card A will fall under the 16.9% APR and be subject to possible fluctuation of the rate.
* What kind of duration can I look forward to?
Unlike an APR that can fluctuate, a Rate for Life will not. The fixed rate will stay in effect for the duration specified by the card provider. This will differ between providers. Some companies offer a zero percent rate for transfers for 12-15 months that will convert to standard charge rates at the end of the grace period. Other cards will offer a low Rate for Life for the lifetime of the transfer balances no matter the duration. It simply depends on the card and provider.
* Example:
Credit Card A offers a consumer a 5.9% Rate for Life on balance or money transfers made within 60 days of establishing the account. That initial transfer balance will always enjoy that rate until it is paid off or switched from that particular card.
Credit Card B offers a consumer a 0% Rate for Life on balance or money transfers made within 60 days of establishing the account. After 15 months, this rate will convert to the standard APR of the card. Any additional charges on the card other than the grace period transfers will be at the regular APR.
* Can a Rate for Life credit card help me reduce debts?
There is no clear cut answer to that question. It will largely depend on your own personal circumstances and what you currently owe. A Rate for Life card can be an excellent way to get large debts locked into a good interest rate for future repayment. One will need to sit down and do the math behind their current payments and what they will be agreeing to. It should also be noted that many providers charge a small percentage of the balance being transferred as a handling fee. This fee should also be figured into the final calculations of the transfer cost.
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Financial hardship is something that no one is immune to. Especially in these hard economic times, it has become harder than ever to break out of the mould and live a truly financially free life. However, when times get rough, it is crucial that you don’t lose hope or give up. Giving up will not solve your problems or make them disappear. When you are having financial problems, you should be actively searching for ways to improve your circumstances. One strategy you can use immediately to get some extra cash flow is to ‘Sell and Rent Back’ your home.
‘Sell and Rent Back’ is exactly what it sounds like. You sell your home, only to rent it back at a price that is usually more manageable than your mortgage. ‘Sell and Rent Back’ companies buy the house below current market value. They typically pay around 60% to 70% of what the house is worth, although there are occasions when a house may sell for even less. A few S&RB companies do offer to pay the full house value at a later date. Once you’ve sold the house. You are still allowed to live in the house. However, your status changes from home owner to renter.
There are numerous benefits if you decided to sell and rent back. Off course the main one is that you can raise up a large amount of capital which you can use to remove or loosen some of the pressure of debts and bills. It is one of the quickest legal ways to raise a significant amount of cash. Another benefit is that you won’t have to move and restart your life in a different home which is especially good if you already have a family. You can continue to live in your house as if you were still the home owner and won’t have to uproot yourself and your family. ‘Sell and Rent Back’ companies also practice great discretion. No one has to know that your status changed from home owner to renter.
‘Sell and Rent Back’ is a great opportunity that can help you change your life around, but only if it is done right. And that starts off with you picking a good company to work with. When looking for a ‘Sell and Rent Back’ company, you should steer away from any new start ups or companies that don’t really have a lot of history or background. You won’t be able to get a clear picture of the intentions of the companies. Instead, you should move towards companies that have a lot of positive reviews and a vibrant background. Selling and renting back isn’t something you should just trust to any company that pops. Be very selective in who you decide to work with.
Finding a reputable company is only half the battle. The next step will be to get to know the insides and out of the company that you are going to be working with. Be sure to read all of their policies and procedures. Before you sign any documents, make sure that you look over it a couple of times. If you need clarification on a certain point, don’t hesitate to ask. These contracts are going to legally bind you a company and out of the best interest of you and your family be sure that they are favorable to what you are trying to accomplish.

 

Many people that have bad credit are told that they may need a co-signer or co-borrower for an auto loan. Understanding co-signers and how they can be of benefit to overcoming bad credit is something that confuses many people. Mostly, because of some of the deceptive practices that take place in car dealership.
In the past, co-signers were merely used as a way to help someone that had no credit history to obtain their first car loan. Now, as finance managers and loan officers have had to work hard to try to help people with bad credit, co-signers are often used for bad credit auto financing.
Avoid the “Co-Signer Scam”…
In some dealerships, when someone with bad credit comes in, they are told that they need a co-signer. A common trick is to tell the customer that the co-signer will only be second on the loan and only liable should the loan be defaulted on. The co-signer scam is where the finance manager puts the person that you both think is the co-signer, as the primary borrower. This leads you to believe that the co-signer is only signing as a guarantor, when in fact, they are used as the primary borrower.
In some cases, the person with bad credit that needed the “co-signer” is not even on the loan. The finance manager in this case, will have the person with bad credit sign a part of the contract that is irrelevant, to make them think that they are on the loan, when they are in fact, not any part of the contract.
This harms the people that are liable for the loan with auto insurance complications as well as, when the person that thought they were on the loan contract has to call about the loan and is told that they can’t speak to the loan company without the other person’s permission. This is a wide-spread problem and is an abuse of the system that is common in some car dealerships. (Don’t expect them to be happy about this being published).
Co-signers & Credit Cards…
Many people that have credit cards, have the option of adding another “user”. This is done by simply providing the person’s social security number and basic information and can usually be done online or over the phone. What is not commonly known, is that the added “user” become liable for the full balance of the credit card, should the original card holder default. This is something to keep in mind when considering the addition of other family members as “additional card users”.
If you have bad credit, co-signers may or may not help. THere are good sources online that can help you to obtain auto financing, without having to go through the typical dealership sale process. Bad credit is a challenge, but there are legitimate companies that operate outside of car dealerships that are willing to help you.

 

Being a student can be a lot of fun, apart from the exams, studying and assignments, of course. But, if you ask me, nothing beats the life and memories that you had when you were a student. My best years were during my university days. The holiday road trip, late night slumber parties, prom, Friday night parties and weekend movies. But of course, all these came with a price. As a student, you want to have all the fun in the world. But fun also means that you need to spend money. Let us look as some ways which you can save money without much hassle.
The first way is all about planning. Make out a budget plan for each week or even month. Map out the amount of money required for your tuition, for food, your rent, for textbooks and such. When you have extra, maybe you can indulge in a little bit of shopping or even partying. Planning is the key if you do not wish to end up in debt, out of cash or completely broke by the end of the semester. First, make out how much money you have to begin with. Then figure out what is absolutely necessary, what you need and what you can live without. Set your priorities straight and stick to it!
Ever heard of the saying, sharing is caring? Well, that is your next ticket to saving some extra cash. Stop being selfish and start sharing. Carpool and share the gas money with your friends. Share your groceries with your housemates. Cook your own meal with your friends. It is fun, healthy and you save money. Share stuff like DVD’s and music CD’s instead of paying extra to rent one or even to buy one. If you do not wish to spend a hefty amount on textbooks, why not borrow one from your seniors or even friends? Try to look for textbooks that you can lend from the library.
Now, by being a student, you often accumulate clutter in your dorm, room or even house. You never throw things away, thinking you might need it, just in case. Truth is, you do not need many of these items. For example, your old t-shirts, jeans, sports equipments, DVDs, textbooks, notes, anything at all. If you do not need them, someone else might. If they are still in good, usable condition, that is. So, why not round up a couple of friends and have a “garage sale” or in your case a “dorm sale’! Not only is it fun, you get to make some cash out of your old stuff. Also, you reduce the clutter in your room. Another way, is to recycle. Why not collect tin cans, plastic water bottles and such, and recycle!< stressful. You are often left with a pile of write-ups and assignments, not to forget pop quizzes and exams. But, some semesters, you are often free compared to other semesters. Why not get a part-time job? Get a job as a waiter or waitress at your local cafeteria or anything at all. The extra cash does help and trust me; it is a much healthier activity than partying your life away! You can also get yourself a job during the semester holidays.
Being a student has its ups and downs. They key to staying afloat is moderation. Of course, you want to have fun. To have fun, lets face it, you need money. Just follow these few simple ways to save money and I guarantee that you will not come across money trouble!

 

Accounting techniques are the different ways in which a business will organize their financial records in preparation for financial reports. There are two main methods to choose from, which are called the accrual basis and the cash basis. The method chosen will depend on a number of factors, including IRS (Internal Revenue Service) tax requirements, sales volume and if the business gives credit to customers.
Although these records are needed by law, they can also be useful for business owners when it comes to business decisions based on financial situations. The method chosen by small business owners is important because although the technique can be changed at a later date it can be difficult to make the change over. With this in mind small business owners need to really think about which technique most suits their business.
Cash basis accounting records focus on how cash flows in real time, factoring in how income and expenses are calculated with that method. Once you physically get funds into your account, that is recorded as income, instead of just recording when you earned it. Expenses, on the other hand, are factored in when the money actually leaves your hands, instead of when they are ‘spent’. With the help of this accounting method, you can delay billing if you like, so you can place it in the following year and hedge your bets with the IRS, or pay things earlier to avoid later trouble.
The cash basis has its benefits. It is easier to understand and carry out than the accrual technique, cash flow is depicted accurately and you can delay taxation of income until you actually have it. Expenses and your revenue depends upon on when you receive and pay out money, although this can be a benefit it can also be a disadvantage because it can give an inaccurate image of the financial situation for a business. This is where the accrual basis comes into play, it differs from the cash basis because it recognizes expenses and income when they apply and not just when the cash has changed hands, leading to a more accurate depiction of a businesses financial situation in any given period.
With the accrual basis of accounting. you record income and payments when you actually earn them, instead of when you choose to pay them. With the accrual method, you will have a much better notion of how you are doing financially in the long term. However, it is far more complicated to figure out and record, and you might have to pay income taxes on the money you bring in before you actually get it, which can be unfortunate to go through.

 

For the many professionals in the finance field,  was a chaotic period where pay cuts, increased work, and unemployment was the norm. However, with the new year, accounting, banking, and finance jobs are going to increase and improve across the board. Many experts believe that this is the year where our economy will bounce back, creating or re-creating positions to fill the need. The following trends are a brief outlook for what to expect for the remaining of the year.
Tax accountants, business analysts, International Financial Reporting Standards specialists, tax analysts, corporate governance, and compliance specialists are among the few career areas that will be in demand and experience growth. Many of the companies in need will continue to be strategic in their hiring, looking to get the most bang for their buck. In other words, they’re looking for employees to have skills that cover a wide range of tasks.
Financial professionals who are adept at assisting companies with regulations, such as Securities and Exchange Commission’s, will increase in need in the oversight of managed investment funds. Fund accountants, compliance experts, and operations professionals are also predicted to have an increased demand of jobs. And as our nation’s credit crisis continues to increase, so does the need to have professionals in the credit management and financial analyst field.
Another area of growth to be found in the finance profession is the troubled asset sector. With our government’s development of the Troubled Asset Relief Program (TARP), a high demand for professionals in accounting, finance, legal services, and real estate who can turn a profit out of buying and selling troubled assets is promising.
These trends are in contingency to our economies improvement. We wish to bestow a word of caution about these fore-told trends: If the economy tanks again this year, these predictions could be altered.

I have been betting on sports since I was old enough to legally do so. I didn’t do it that often at first. It was more of a novelty to me, if anything, but I always enjoyed it. Of course, I enjoyed it most when I was winning the bets. I have mostly bet on mainstream sports, and I would deeply enjoy branching out. In order to do so, I need to find betting sites that offer betting on more niche sports. I do not even care how niche or unpopular the sport is.

I am trying to learn about new things and have new experiences with betting and sports.I am definitely willing to start watching and learning about new sports in order to facilitate betting on sports I have never heard of. I know that there are a lot of new things that are starting to come to popularity out there. I have seen some of them featured on segments on my local sports news television show. But I am sure that in order to really learn about these things, I will need to seek out a different source of information than the popular sports news stations and radio channels.

I wonder how many sports you can bet on across the whole world. I bet it is over 100 different sports that are bet on in total. It might even be quite a lot more than that. I don’t even really have any idea how many total sports there are out there. How many people have to engage in some sort of organized game in order to consider it a sport? If just maybe 20 or 30 people are doing it, does it qualify as a sport? Maybe, but almost certainly not something that you’d be able to place bets on.

Many people enter work market following school and jump right into life feet first. Money will come in from a position, then goes out to liabilities, food, entertainment… all necessities and pleasures in daily life. This is often called being stuck inside a “rat race”. Every month is the similar thing… money can be purchased in, money is out. Once you’re stuck inside it, it is rather difficult to get out. But not impossible.

Now, money you are making in your job would depend on your capability to perform a task or function and period of time put into that task or function. Essentially, it can be trading time for funds utilizing a learned skill. But this can’t possibly embark on forever, will it? What happens when you’re getting too old to do these same tasks required for work?

Unfortunately, for many it goes on for the very long time. And when individuals who don’t put money into things that will provide in income whether or not they work or you cannot can’t work any longer, they just don’t have almost anything to help them live as comfortably because they are today.

Until many people get into an occupation job that has good benefits (including a 401k), funds are rarely put toward investments. Money is made and spent as soon as it’s made, giving someone necessities and comforts of life right at that moment – and then some, however, not allowing much to get a prosperous future once job income stops.

Everyone in the course of their life must face the reality that employment is not going to hand them over everything they desire or need in your everyday living – especially an existence after retirement age. Investing can be something best established early in your everyday living.

To appreciate how important investing is, you will need to first know what investing is. An investment is a method of earning money from the one-time effort. Sometimes this effort might be intense and take a moment, but it really can provide income for quite a while to come and never have to put forth that same effort or time.

If one does a bunch of research to obtain a house make use of as a smart investment, you simply have to do that research just once. Once you buy a great investment, it’ll make money for you personally with almost no effort. If you write the sunday paper and put it online to sell, you simply had to write a book just once and whenever they money for as long as it truly is active on your website or in a very book store. If you research a corporation stock and look for a perfect one, investing some money inside, money then starts working and making profits without you the need to do anything.

These are simply just simple investment examples that take some effort. The point is that earning profits from investments is much easier than making profits at employment if you know what you are doing. A huge difference between a great investment and a career is how long and effort someone has to place into making money. Cool thing about committing to the currency markets (whether traditional buy/hold/sell trading, 401k investing, or options) is that you just have to discover ways to do it once, keep repeating everything you learned, and let each dollar you invest do all the rest of the work available for you so you’ll be able to enjoy life because it was intended.

Of course there is certainly one HUGE problem that anybody faces before they’re able to invest. Where will you get money to make use of to earn cash? When living life in a very “rat race”, you end up caught up in an impossible circle that’s very hard to leave.

Don’t worry!

You have money… you merely don’t know it yet!

There are fashions to make a few changes within your life to get started on building up “capital” for investing – regardless of what type of investing you are looking to start out. It will be slow to begin with, nevertheless it will definitely morph into something you simply won’t believe possible.

One approach to build up investment finance fairly quickly is opening a “Round Up” Savings Account. This sort of capital growing account will help you save and build money based on your own every day purchases. You attach your checking accounts or plastic cards that you put money into to your Round Up account along with each purchase you will be making, this account rallies to the nearest dollar and deposits that put together cash into a great investment platform that assists your savings grow faster. Not much work, can it be? This special investment account does the others.

For example, in case you spent $20.57 on something, it rounds that around $21.00. The find, or $0.43, is placed as part of your account and that is divided among several stocks depending on account settings.

If you create 50 purchases out of your checking account in the month averaging $0.35 a locate, you will lay aside $17.50 as month. That’s $210.00 in the year saved simply by rounding up these purchases.

Money purchased this find account climbs up and down with currency markets movement. At 5% gain within a year, it’s going to go up by $10.50 more. And some stocks that your budgets are invested in earn dividends that happen to be automatically reinvested for your account.

This doesn’t appear to be much, but after some time, it can continue to develop. This is a wise investment in itself which enables it to grow pretty fast when you are consistently increasing it. If you have extra income you’d like to save after a month, also you can make deposits to put on them for a account to grow your even faster.

A Round Up Savings Account is only a stepping stone to obtain to a advanced of investing, which is usually a stock trading, option trading, a retirement investment account, property, or another type you can invest those funds in to earn more income.

Once you develop some good investment capital as part of your Round Up account, you may withdraw it without notice and use it to get assets (issues that earn you money – unlike liabilities) or to put money into stocks to generate even more money with time.

While both Android and iOS mobile apps are equally powerful making a business globally visible to your audience, it is deemed an iOS that may give you more benefits, if you agree of long-term. As per Statista reports, the entire world accounts for more quantity of Android users apps (nearly 2.5 million) than iOS apps (and that is approximately 2 million). So, eventually, for your appreneurs and marketers, Apple’s App store comes second after Google’s Play Store when it comes to popularity. Businesses that desire to fetch a massive user base, an Android app is an ideal choice. But, if you wish your app to not only seek the best users and also offer hem quality experience, then an iOS app will be the thing available for you. Here we have further discussed in your case several factors that will help you better realize why investing in the iOS app is more preferable for your company.

The brand says it all

One prominent reason to get an iOS app the main thing on your business is its unique ‘brand identity’. For years, Apple sports ths legacy to produce high-quality phones and tablets. As the clear winner on the market with high brand reputation, Apple devices capture a persons vision of the elite segments in the population.

Smooth UX/UI of iOS devices

Undeniably, Apple masters at designing and developing one of the most flawless consumer experience for every device. Everything through the graphical interface, screen layout, animation standards to navigation are intended keeping in mind the users’ expectations. This makes all iPhone and iPad versions are highly performance-driven and therefore an iOS app may offer much better customer experience.

Help you compete better

An iOS app will help you better to face out in your competition. From making it possible to connect with your visitors to increase your brand reputation, commemorate your business unique through the competitors. Apart from that, every iOS device includes excellent quality standard and innovative features which supports the app to supply its services to users inside an extraordinary way.

Number of users for iPhones are growing day by day

Even however the statistics show a larger quantity of Android devices than iOS, the information of the variety of iOS users are reflecting an ever-increasing trend. This means, your iOS app will spot its users list growing eventually eventually.

Enhanced a higher level security

There’s no question regarding the volume of security offered within the Apple devices. It offers top-notch security and assurance of information privacy. This is regarded as being the best facet of using iOS. So, for apps that look to collect information from customers, support payment facilities and facilitate bandwith, iOS is the correct platform to select. ‘

No matter just how much Android may be successful in getting users worldwide, iOS have their own distinct user bases and will set your app apart on the rest whether its built for iOS. Specified as the very best mobile platform, it will help your organization gain a strong digital presence and grow the revenues by meeting every user expectation in the correct way.

Rob Stephen can be a techie, writer and professional app developer at GetAProgrammer, an industry-leading company for iOS app increase in Sydney. It has delivered about 100+ impressive apps for companies that helped them stand out out there and become more profitable. He loves trekking, touring the earth and from the free time, needs to scribble stories on his notebook to come up with ideas.