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Money Rules

Business and the ability to make money is now the target of the majority and some have openly expressed their feelings that Donald Trump will create jobs for them. Do they need a wakeup call? Hello! What can he do for anyone when he has threatened just about every country that deals with the United States in one way or another.

The uneducated and ignorance of people is echoed in their behaviour. The fact that they are falling for the potential leadership by someone who has never held office is extremely telling of how little they know or care. The same thing is being played out in Australia where the current Prime Minister is also on the brink of being a billionaire. He is promising to turn the fortunes of all around if they re-elect him on July 2nd.

His time in politics is brief and not something that has produced a good record of achievement. So why don’t people know to do their research and get a better understanding of what he can and might do for them?

Modern Financial Advising

Admitting It Is The First Step

Like with any significant self-improvement, determining whether or not you need assistance is the key to financial success. Unless you are a natural at portfolio management, you probably could benefit from the help of an expert. Deciding to allow someone to help create your monetary triumph is crucial. There is no shame in needing their expertise, especially when it has become so easy to do so affordably. Many modern companies have significantly lower minimum account requirements than previously held by traditional firms. Financial advisors have never been more accessible to new investors.

Decide to Invest

According to a seasoned financial advisor, the heart of financial planning can be summed up pretty simply: “You either have a plan, or you don’t.” Those without a specific approach often fail. After recruiting assistance, dedication to investment is crucial. Realize that attention to the status of your current portfolio is an investment into the status of your future portfolio. Decide that you are going to take a guided, methodical path to a more comfortable financial

Great Banks Bring Comfort

Customer Service

When it comes to banks, customer service is key. You want to choose a facility that has short wait times when you are standing in line. Efficient and helpful associates help you place money in the appropriate accounts for maximum benefit.

If you are opening an account for the first time, choose a branch that has lots of friendly people who are willing to work with you to choose the right account for your needs. You want to compare checking, savings, and other accounts side by side with an associate who will have patience while explaining the differences to you.

Options

You don’t just want to throw your funds into any account and walk away. You want options to maximize your benefit. Choose checking accounts with a low minimum balance and a decent interest rate, or savings that allow you to transfer money from other accounts on a monthly basis. Banks that offer you many different options for housing your money are the most likely to be able to meet your personal needs.

Safety

Credit Union Branch

Some Dos and Don’ts to think about

Don’t try to out do your competitors in your high-tech savviness. While it is positive to take the lead in the war of the high-tech toys, it’s important to not take the approach of technology for technology’s sake.

How about providing free Wi-Fi to members that allows them to continue using their own personal devices. Or, instead of providing magazines and newspapers to members while they wait for an appointment, provide an iPad for browsing.

Many members are not comfortable with discussing their finances in an open space. Integrate private offices into the new branch design, creating a comfortable environment for member engagement.

Think about integrating a video wall into the new branch design. This video wall will showcase dynamic motion graphic content ranging from brand-building messages, to local scenery, to current campaign promotions.

An informal community meeting space would be a positive addition to the high touch design.

The goal of the high tech, high touch branch is to simplify the customer experience and allow time for staff and the members to really connect. The new technological features will allow staff to spend additional

Mortgage Finance

Mortgage – Definition

It is a legal agreement that conveys the conditional right of ownership of an asset or property by its owner (the mortgagor) to a lender (the mortgagee) as security for a loan with the condition that the conveyance of the title becomes void upon the repayment of the debt.

Are Mortgages Legally Enforceable?

Yes, they are. In order to be legally enforceable, the mortgage must be for a defined period, and the mortgagor must have the right of redemption on payment of the debt or on before the end of that term.

Why is Mortgage Finance Common?

Here is a list of why it is the most common type of debt instruments:

>> They have a lower rate of interest (because the loan is secured);

>> They are straight forward and have standard procedures; and

>> They have a reasonably long repayment period.

What is a Security Document?

The document by which the agreement is effected is called a “Mortgage Bill of Sale” or simply just a “mortgage.”

What are the Common Mortgage Finance Types?

Real Estate Mortgage – Virtually any legally owned

Identify Grant Writer Red Flags

A quick general way to determine if a website is likely to be from a grant scammer are in the words and text used. If the website contains any of the following phrases it is highly likely it is from a grant scamming source.

• Free Government Money
• Pre-approved for grant funding
• Money for all kinds of businesses and purposes.
• Fix-up your house
• Buy property

Grant scammers are more likely to be sales people only rather than a certified grant writer. They are more likely to make the first contact to a first time client by phone. It is common for professional grant writers to place advertisements and wait for potential clients to contact them. Scammers are more aggressive and will often make the initial contact to the potential client.

Scammers are likely to charge an inflated fee for their services. Some scammers will continue to add charges for extraneous reasons. If the grant writer asks for additional fees to pay off your taxes, parking tickets, or other personal items, they are almost certain a grant scammer.

The fees to write a grant and research for funding opportunities should be

Some Ways to Save Money

You will be surprised to see simple changes to your lifestyle make a big difference to your finances. Well, here is the plan;

  • Eat at home instead of eating out. If you buy lunch every day, start taking it from home.
  • Make your own coffee instead of buying Starbucks daily.
  • Buy the groceries in bulk as this will help you save money. Do not indulge in impulsive shopping. Carry a list while shopping for groceries. Shop once a week and never when you are hungry.
  • Save electricity by switching off lights, fans and TV.
  • Restrict your credit card use.
  • Rent a movie instead of going to the theater.
  • Discounts, rebates, coupons. Use them all and save plenty of money.
  • Use carpool and try walking to the office or the grocery chain if it is within two blocks from where you stay. You will save on money and gain in health.
  • Consolidate your debt and pay it off as early as possible. You can also transfer the debt to a new credit card. Interest free balance transfers are a good way to get rid of debt effectively.
  • Get rid of expensive membership fees. If you are paying for the gym that you hardly use, stop. Go for

Handle Finances With Care

Financial advisors suggest all individuals follow these six basic key principles for financial planning.

• Analyse your current financial status: To be able to plan for future you should first be very confident about your current financial position. Make a checklist of all the assets and liabilities and your income and expenditure. Having this information at hand, you would be in a clear position to understand how you can achieve your financial goals. Your total financial worth would help you to determine the ways to accomplish your set goals, which include paying for your children’s education, buying a new property or being ready for any financial emergency like the loss of a job.

• Chalk out your financial goals: In order to accumulate wealth, a lot of planning has to be done in order to achieve the desired goals. Setting goals would give you an urge to go ahead to achieve it. Your list of financial goals should be very specific, which would show that they are crystal clear in your mind.

• Plan for alternatives: You cannot expect your planning to go as per your wish, so you should always have a plan B

Disciplined Trading

Methodology

The 1st step is to find a systematic rule-based approach to trading the markets that has been proven to work, either by computerised backtests or manual testing. This is extremely important because without a validated strategy you will not be able to build confidence in it and will likely just end up losing money and increasing stress.

Make sure you stay away from strategies that do not have clearly defined rules you can program into a computer, the rules should be simple and not require interpretation otherwise the results will be inconsistent. This step must be completed properly, if you do not then the string of losses you will likely experience will make it very difficult to continue following the strategy and you’ll either stop trading or jump to the next strategy and repeat the losing process.

Confidence

The 2nd step is to gain confidence with the strategy by understanding how it works, why does it make money? Really understand the backtest results, know the type of markets it works in best, then either paper-trade it or trade it with a small position size for a while to get a feel for how

ATM Safety

Protect your ATM card as if it were cash. Report lost or stolen cards immediately.

Safeguard your Personal Identification Number (PIN). Don’t give your number to anyone; don’t write your PIN on your card, avoid using numbers that are easily identified (birth date, etc.).

Try to use ATMs with which you are familiar. Choose well-lit, well-placed ATMs where you feel comfortable. If you need to use an ATM late at night, ask a friend to accompany you.

Before approaching the ATM, scan the surrounding area. Avoid the ATM altogether if it is too dark to see, isolated or looks unsafe. If there are bystanders loitering in the area, go to another machine or come back later.

Be prepared to conduct your business as soon as you reach the machine. Have your ATM card ready in your hand. Do not dig through a purse, bag or wallet in front of an ATM or while you are in line. Secure your money immediately after the transaction. Count your money later, not at the ATM.

Use your body to shield the screen and keypad before entering your PIN. Make sure other individuals in line stay a

Basic Tricks For Choosing Bank

Credentials

The credentials and reputation of the institution should also factor into the decision. Larger banks are generally a reliable choice due to FDIC deposit insurance. Check with the Federal Deposit Insurance Corporation to find out if a business is insured under this coverage.

Think about Physical Convenience

Physical convenience can be a key consideration in this decision. You might opt for a location that’s convenient from your place or work or your residence. Consider extended hours offered by some institutions if you work alternative shifts and you cannot visit during regular business hours. Online services can help with many types of transactions, offering services such as bill payment, automated deposits, and access to balance information. Find out about the location of ATMs you can use for no or low fee transactions. Some banks are national companies, providing customers with access to service and accounts from virtually anywhere in the country. Other businesses are local, providing no ability to travel and visit brick-and-mortar branches.

Explore Fees and Service

Every bank has a unique structure for fees and services. You will need to contact any institution you consider to find out these important details.

Prepare a Bill of Sale Properly

A bill of sale form is used to transfer the ownership from a seller to a buyer. The four main bill of sale forms are for: auto, boat, personal property and business.

The Internet made all these forms readily available at a reasonable price.

In five minutes or less, the user can prepare a bill of sale as follows:

  1. Purchase the form and download the form.
  2. Open the downloaded form and print.
  3. Use a pen; fill in the blanks by following the instructions.
  4. Done.

The common pitfalls and their repercussions:

  1. Using a free form download from the Internet. Such forms almost always contain errors and are incomplete.
  2. Using a handwritten bill of sale. Such forms almost always contain errors and are incomplete.
  3. Failing to detail and describe what is being sold. It is important to have what is being sold detailed and described.

Avoiding the three pitfalls listed above can help both the seller and buyer avoid both headaches and expenses down the road. The following are few common examples:

In the event the buyer is unsatisfied with their purchase as they may deem that what they received was not as described. A proper bill of

Pick Best Money Transfer Provider

The costs of transactions

Sometimes the exchange rate could be favorable but then, the costs per transaction may be high. This is not an ideal scenario for many. You need to consider just how much you will be charged as the commission or the transfer fees before a transfer can be effected. One way to make it less hectic is to consolidate the smaller payments into only one. This lowers costs. There are providers that have better rates and yet others waive the fees altogether when a large payment is made.

Convenience

Some of the companies offer a very easy way to signup, others take so much time. There are online providers that offer their services 24 hours a day, and seven days a week. You, however, need to see the delivery and payment methods that are offered so as to ensure that all your needs are satisfied. Check for features like mobile wallet options.

Currencies needed

Not all the companies will operate in all countries and even offer all currencies. When you have to send money to areas that are remote where currencies are not popular, you may have to deal with

Save Money On Heating Bills

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 isn’t a difficult task, nor is it time consuming. But it is one which should be

Use an ATM Machine

Verify the network logos: These logos may be located in the ATM or debit cards, are indicative of the acceptable banking consortium. This means the ATM machine will have a list of acceptable logos posted on it. Even though many cards are universally acceptable these days, there is a charge on using the card in other bank ATMs after a number of withdrawals.

Be Vigilant: The use of debit card at ATM machines should be done under complete care, make sure no onlooker can see the PIN designated to provide access to your account.

These machines are easy to operate and provide systematic guidance to the users, the steps involved in using an ATM.

Step 1: Select the appropriate bank ATM.

Step 2: Insert your ATM card in the designated slot or swipe the card depending on the machine.

Step 3: Select the language that you desire for the user interface, most machines offer English and regional languages to choose.

Step 4: Enter the PIN (Personal Identification Number) provided along with the ATM card at the time of registration. Make sure you memorize the PIN and never disclose the same to a

Better Forex Trading Strategy

Forex Trading is a Long Term Wealth Building Tool:

For those who are new to this form of trading, this is not a “get rich quick” scheme. In fact, effective Forex trading strategy is based on risking a little bit of money each day and not trying to “win big” off of a few trades. The weighing of the risk and reward is very important to employing the best strategy that will result in getting good trades. In other words, do not risk more than you can afford to lose.

Trade from Logic, Not Emotion:

A “good feeling” or “gut instinct” is exactly that, an emotion-based response that actually has no bearing on whether a trade will turn out good or not. Those that excel at Forex trading strategy base it on research, current events and trends while leaving their emotions out of the equation. The good feeling is simply not enough to risk any money on a trade without the proper research and backing.

Use Limited Leverage:

The ability to trade on margins is one of the most attractive features in Forex trading strategy. In fact, many Forex trades are accomplished with

Financial Freedoms Must Protect

Legacy

As parents, your instinct is to take care of your children even when they become adults with kids of their own. One of the most important ways you can do this is by giving an inheritance to your kids once you’ve passed on.

While you have many years of making memories with your family, now is the time to make sure you’ve invested your money wisely. Making wise choices means considering the various tax benefits that different financial options have to offer. I know it can be confusing and frustrating to compare the options available to you, and that’s why it’s a good idea to turn to a financial advisor to counsel you on these important decisions. Your family’s well-being is at stake.

Autonomy

Life prepares us to be independent, doesn’t it? Sure, at first, we depend on our parents to care for us, to protect us. As we grow older, we build our independence. We start our own families. We become the providers.

However, during the retirement years doubt may begin to creep in about your ability to live autonomously. Without a steady stream of income, you start to wonder if

All about Money Transfer Technologies

Alternative Payment Services: Several websites allow you to transfer money through email, eliminating the need to reveal your bank account and credit card information online. Although online transfers have wide online security and fraud-prevention measures, they are not foolproof. Complaints like phishing scams, hacked accounts and identity theft are quite common.

Donation Texts: The use of text messages to transfer money became popular, when the American Red Cross used this technology to raise over $22 million in hurricane relief fund for Haiti. On the flip side, this technology is risky and scammers misuse this tool by asking people to text money to illegitimate numbers. Always check the organization’s website to confirm that the number you are texting is associated with the cause are supporting.

Bumping Phones: Mobile phones are fast replacing the wallet and on-the-go digital money transfers are becoming commonplace. Now, you can send and receive money by just bumping Smartphones together. Technologies include Bluetooth and near field communication (NFC, a set of procedures that allow Smartphones to establish radio communication with each other by touching them together or bringing them close to each other at a distance of 10 cm or less). Though, the

Info of Exchanging Money

That is the real exchange for money and while most may not realise it the benefits derived from it are nothing but disastrous. We have yet to face the greatest disaster of all and that is the last days of life on earth.

There are no warning bells and no place to jump off the earth to escape because we are exchanging money for life. That is the way it was when it was invented and to understand that the Spirit took me back to Babylon and the start of formal religion, Islam.

The name of it then was also Zoro-Aster or Morning Star and a vision showed me how it came about. The rising sun’s rays were directed through a small hole in a stone to disperse into the rings of great beauty and perpetual motion. The people fell to their knees in ‘awe’, which is the same term as ‘or’ for ‘sun’ and ‘metal’, the most precious of which is gold.

The human mind is capable of the wildest dreams and the result of the sun-star and its effect on the population was so strong that it has never altered. In the center

Fee Only Financial Advisor

Pros of Hiring a Fee-only Financial Advisor

Those who are looking for the best advisors should consider one who is compensated in a way other than commission. These planners look at your entire fiscal situation and give you an honest, objective opinion on what you need to do. While they may suggest purchases of certain products, these will be ones that they believe will assist you in your goals. There is no loyalty to a specific company or product because there is no bonus or commission to earn.

You pay a fee-only financial advisor based on how often you meet with them. You could pay an hourly expense or you could pay a retainer in order to have him or her on call. You may even negotiate payment of a percentage of the investment assets your planner is managing. Each professional has his or her own pay structure.

In addition to having flexible payment options, you can choose between services. Some work with you to provide a complete financial review for a fixed project. You can also find someone to review your investment portfolio or develop a financial plan.

Things to Consider Before Hiring