• August 31, 2017 /  Finance & Investment
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    Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

    Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

    So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

    Approximately 1 out of 3 people admit to lying to their partners about finances
    One in Four people state that their partners have withheld financial information
    Three out of Four people surveyed stated that they fight at least occasionally about money
    One in Four adults believe that financial infidelity is worse than sexual infidelity
    96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

    The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

    Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at www.solutionsoflife.com or call 770-638-7145 for a free 30-minute no obligation consultation.

  • August 30, 2017 /  Banking & Money
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    The Debt Recovery Tribunals have been established by the Government of India under an Act of Parliament (Act 51 of 1993) for expeditious adjudication and recovery of debts due to banks and financial institutions and they are auctioning some properties. Subsequently With an aim to provide a structured platform to the Banking sector for managing its mounting NPA stocks and keep pace with international financial institutions, the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest (SARFAESI) Act 2002 was put in place to allow banks and Financial Institutions (FIs) to take possession of securities and sell them. Various Banks, State Financial corporations , and Asset Reconstruction companies are auctioning their Non performing assets, i.e housing properties, commercial properties and Industrial properties under SARFAESI act 2002.

    Public Sector Banks are shifting to new system called Core Banking System (CBS), which automatically processes and updates transactions, helping identify NPAs on a daily basis, as against the current system where most transactions are managed manually, leaving scope for slippages. As a result of this the NPAs of some banks are expected to increase by as much as 150%. According to latest data from the Reserve Bank of India, the gross non-performing assets of state-run banks touched 68,597 crore at the end of December 2010, an increase of 27% from a year ago.

    Ours is an Internet portal publishing all the Bank auction property listings since December 2009 and we are the only one providing such information pertaining to 32 major cities in India. We are committed to create awareness among general public about the Bank auction procedures and to generate vibrant market for Bank auction properties in India. Our services are being utilized by various Banks, i.e Union Bank of India, State Bank of Hyderabad, Andhra Bank, Punjab National Bank, State Bank of Travancore, State Bank of Mysore, Bank of India, Indian Overseas Bank, Allahabad Bank, The Shyamra Vithal co-operative Bank, Karnataka APEX Bank, etc.

    In the past 15 months we have listed over 51,000 Bank Auction properties, which include Auctions and Possessions at 32 cities spread across India. Bangalore has the highest 9140 Bank auction properties, and followed by Mumbai- 5829 properties , Hyderabad 5230 properties and Kolkata 4451 properties. The trend is expected to increase in future.

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  • August 29, 2017 /  Finance & Investment
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    Have you ever dreamt to work in a top-notch financial firm and earn high salary job? If yes, then don’t waste your time and enroll your name in an online university to earn finance degree. As the businesses are expanding nowadays with fast rate, so finance degree holders are also in demand to handle the finance operation in a prominent way. Finance is the backbone of an origination which helps to make an accurate strategy for an organization and helps to grow it in a right direction.

    Academic profile The academic structure of finance degree includes various streams like International Securities, Investment, Capital Markets and Banking, Regulation and Compliance, Corporate Finance, Financial Engineering and others. Finance Degree from online mode is offered by almost all universities at Associate, Bachelor’s, Master’s and doctorate level. Online mode is the best way for the students who don’t get time for the traditional classes. The degree at bachelor’s level will give you opportunity to start your job as a fresher whereas if you have acquired master’s degree in finance degree, then you will get many prestigious positions at higher levels. If you opt for finance specialization at Master’s degree in Business Administration then it would be wise investment for your career, as this professional degree would give you a plenty of job prospects at managerial level.

    Some of the popular university which offer finance degree online are listed as below: Walden University University of Phoenix Capella University Kaplan University Florida tech university online Upper Iowa university

    Employment opportunities Finance degree from online mode assures reputed job in top-notch financial firms with high paying job. It opens lots of employment opportunities in several sectors like commercial, education, non-commercial, IT, media, public and non-profit organizations. Moreover, aspirants get esteemed positions in different companies as a finance manager, Accountant, financial planner, Auditor, financial analyst, financial advisor, Credit analyst, Chief Financial Officer (CFO), Certified Public Accountant (CPA,) investment banker and others.

    Start your business After holding finance degree, you can even start your business and give financial advice to other companies. With your own skill and knowledge of finance operation, you can find out the excellent path and develop your business accordingly. Aspirants can work outstandingly with their dynamic approach and plans to get high Return On investment (ROI) in each financial year.

    Conclusion If you are a working professional and want to update your resume, then Finance Degree from online mode is the best way to make your academic profile worth a look. The degree provides you required skills, tools and techniques of financial operation which are essential to make finance strategies for a company.

    Pradeep is a educational consultant who provides the information for students and proffessionals . He gives a lots of article like Finance degree online and others . For more information you can visit on this site uiu.edu .

  • August 28, 2017 /  Insurance & Tax
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    There are many companies out there offering affordable health care insurance policies to anyone looking for one. To avoid falling into trap of any of these companies unfavorable terms and conditions, you need to take control before buying any of these health insurance products.

    Be In Control When Choosing Your Health Insurance

    If you are searching for an affordable health care insurance policy, try to be always in control. When looking for a company to provide a comprehensive and reliable health care insurance that provides the best medical coverage, the best thing for you to do is to shop around first, compare the quotes of different companies and make a point to interview the insurance agents thoroughly. This will help to ensure that you acquire the best health insurance policy that fits your requirement.

    Why Choose One Slowly

    In these very competitive health care industries, many medical care insurance companies compete against one another by offering very irresistible and attractive health care insurance products. As a result, you do not need to grab the first health insurance product that come along your way which you think is good. Below are a few basic guidelines that may be useful for you to follow before selecting any health care insurance policy.

    What Are The Basic Guidelines You Should Be Aware Of

    Firstly

    Read closely all the fine print of the insurance policy in order to understand every details of the policy offered by the company. In addition, you should also check the credibility of the health care insurance company by enquiring the insurance commission office in your state. From the enquiry, you could know whether there are any complaints made against the insurance company. Secondly

    If your goal is to save as much on the premiums, then you could start a HAS (Health Saving Account) with the health care insurer. This account is tax exempted and could be used to pay for your medical expenses. On the other hand, also avoid falling prey to high deductible, low premium health care policies. No doubt these policies can help you save on your monthly premium, but at the time when you seek medical attention, the costs incurred could be higher.

    In addition, you should also choose an affordable health care insurance policy inclusive of disability insurance. This specific feature is beneficial especially in the case when you are serious injured and became unable to work productively and properly. Normally, Group health care insurance includes this feature and individual health insurances are starting to offer this too.

    Lastly

    Many people are discouraged by the high cost of individual health care insurance policies. They are normally more expensive then group insurance product because they are not subsidized. If you are self-employed, there is more reason for you to get one to ensure your medical expenses can be kept low in times of seeking medical attention. However, by following the above guidelines closely, you are still able to find the affordable health care insurance option that you are looking for.

  • August 28, 2017 /  Trade & Franchise
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    The pizza industry is just one of among the most lucrative business in the U.S.; with a consolidated earnings of over $40 billion this 2013. The sector additionally never looks to have a lack of customers, with an average of about 90 percent of all Americans enjoying pizza approximately once a month. No matter if you’re preparing to start a little something fresh or to capitalize on the popularity of a specified brand, terrific pizza franchise opportunities could be made better by grasping these quick tips:

    Make Thorough Assessments. .

    Capital is a significant matter when taking up a franchise business, and this incorporates the monetary resources and real estate important to sustain a business locally. When it comes to any food business, on the other hand, connectivity to ample materials of high-quality ingredients is equally as crucial, so you’ll ought to consider shipping and storage costs accordingly. Lastly, you’ll ought to look at the franchise area, local climate conditions, and market demographics to decide on the viability of the enterprise.

    Do Your Homework.

    Previous to consigning to any business judgment, analyze the several franchise prospects available so you can pick the best option. After all, it is certainly never a good idea to follow your intuition on its own; you also ought to make an enlightened and experimental examination of any business opportunity. Learn about the licensing terms and your fiscal responsibilities as a franchisee so you’ll know exactly what is anticipated of you.

    For instance, you may be called for to invest in equipment and materials solely from the franchisor. If you might, talk with other franchisees and request their guidance. It also never hurts to check the franchise’s details against the Better Business Bureau (BBB) or the Small Business Administration (SBA).

    Get Everything in Writing.

    It may not be wise to choose a disclosure record or a contract proposal. Some franchise deals may also involve commitments that are not written in the contract. If a franchiser is hesitant to even put such words on paper, then that must give you reconsiderations.

    Food is a basic necessity, and new franchise opportunities for pizza just about never have to deal with lowered demand. When entering into a likely prosperous business venture like this, nevertheless, it is always wise to tread with care. Browse through the SBA’s quick guideline for acquiring franchises at:. sba.gov/content/franchise-businesses

  • August 28, 2017 /  Banking & Money
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    Banking institutions need additionally used greatly in beefing upwards their own internet based financial programs plus guaranteed that net financial is actually safe plus secure. The usage of SMS informs for account was a great ways to continue track of resources plus purchases in a membership. Buyers whom incorporate internet financial could just buying products from licensed plus respected on line stores plus could utilize dependable solutions plus fees gateways. Constantly utilize protected plug covering (SSL) web sites to carry out banking on the web. Financial institutions state they’re providing people the benefit they desire, however several supporters for the older and handicapped anxiety information technology means a decrease inside access.

    Technology will allow banking companies to be closer to users, to deliver a wider range of treatments at lower bills, land to streamline desire systems so that all information is actually together inside one destination where information technology may be chosen to spot trends which will lead easily to brand-new products. Digital delivery of banking services allows data to be collected and examined. Interaction may give customers a possibility to register their particular preferences, really steering to advancement of latest items. Bankers might protect these prices due to higher compliance and regulatory costs, in addition to legacy system support, safety and scam steps along with objective important performance specifications.

    We make available considerably more ideas about Bank Account PRO or bank account, or alternatively Opening Offshore Bank Account.

    Expert’s Indicators For Best Small Business Bank Accounts

    Event of overcoming banking situation in the United States Of America. people economy has been impacted by financial trouble many times. One of these showed up during the stage of huge despair of 1929-1933. Thousand of bank deposits were devaluated because of useless operations on the banking institutions, also not coming back of the granted debts plus overall degradation on the economy. These people sealed lots of banking companies and offered confiscation of huge number of items due to maybe not going back of financing. you congress passed laws and regulations regarding founding federal businesses insuring deposits and those insuring financial loans plus discount. This system has been functioning successfully during many years.

    It’s so simple. Need some sort of exchange with the bank? Just take out the mobile device’smartphone, pill, whatever, on any working system’and you’ll has a riches of apps to get it completed. You’ll see reminders when you ought to do information technology again, or set it when much as do information technology automatically. It’s simple, truly. FBR analyst Paul Miller rates First Republic “outperform,” with a $48 price target. In a note to customers after the earnings announcement, Miller wrote “based found on the company’s existing meaningful extra money plus cross-selling features,” he expects the jumbo mortgage expert “to execute its development approach successfully inside the coming quarters.”

  • August 28, 2017 /  Finance & Investment
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    Equipment leasing has become a better advantage with everyone of us. With technology advancement in every field, it has got hold of medical community too. Medical equipment can be so expensive and out of date in a matter of a few years that everyone is opting for medical equipment finance these days. Cash flow and patient care are the two major concerns on the mind of people who are into this business. It is a very sensible thing for hospitals and private physicians to do to keep up with the technology and provide their patients with the best health care.

    You have option to buy the equipment anytime during the lease or even at the end of the leasing term. In this way you can know whether the equipment will be beneficial for you in the coming years before you make a huge cash investment. The biggest advantage is that you are able to keep the state- of -art. This ensures optimum patient care and improves profit. If you had the right medical equipment finance, you would earn quite a bit of revenue as your patients will be getting better equipped facilities and the diagnostic tools at their disposal for tests. What more you can expect when your obsolete equipment is replaced with a newer one with latest technology. Moreover, you are not stuck with an instrument that you cannot use any more or even resell.

    You can acquire sonogram, endoscope, ultrasound equipment,surgery tools, oxygen tanks, optometry equipment, orthopedic equipment,medical beds, oxygen machines, wheel chairs, x-ray film processing equipment and so on easily with the help of a reliable equipment leasing company. When it comes to big hospitals or health care institutes, medical accounting equipment becomes essential for handling accounts receivable, payable and with other accounting roles too. It is indispensable for big health care institutes and seeking the help of financing company to acquire this equipment is necessary.

    Typical lease terms are for 6 months to five years. And it is best if your cash is strapped or you want to conserve your cash for business. This will enable you to obtain the needed piece of equipment without a major cash outlay.

  • August 27, 2017 /  Banking & Money
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    Are Silicone Wiper Blades worth the Money?

    Like Rubber Wiper Blades and just about every other product or service, Silicone Wiper Blades come at different Price Levels, and buying the dearest doesnt necessarily mean getting the best.

    In order to make an informed decision, we need to be able to spot quality features in Wiperblades, and understand what influence they have on Safety, Life and Performance.

    Next we need a method of measuring the cost of Wiperblades against their useful life. We do that by dividing the cost of a single wiper blade by the number of 100,000 cycles in its expected life. A cycle being 1 wipe in each direction.

    The cheapest and most basic Wiper Blades have a moulded rubber blade with an arrow-head profile offering a single wiping edge. Theyll also have a very cheaply constructed frame. Differences in Frame Quality are more difficult to spot, but usually, the blade quality is a good indicator of the overall quality of the Wiper Blade. Most un-branded Wiper Blades fall into this category.

    Single edge Wiper Blades have a typical life of 200,000 cycles, and can cost as little as 3, so they cost at least 1.50 per 100,000 cycles

    Most Motorists seek comfort in the big Global Brand Wiper Blades. They know theyre probably not getting the best value for money, but its a safe bet. Of course the big brands arent slow to take advantage of that, and so their prices arent always cost-effective.

    Global Brands (and some smaller Brands) offer good quality Wiper Blades. They are easy to spot because the rubber blade has a profile like a small screwdriver instead of an arrow head. This means there are 2 Wiping Edges instead of one. As the Wiper Arm moves in one direction the blade flexes and trails, presenting one of the tips “corners” to the windscreen. On the Return Wipe, the blade flexes in the other direction, and uses the opposite edge to wipe the screen.

    Quality Twin Edge Rubber Wiper Blades are good for around 500,000 (half a million) wipes. They reduce the risk of unwiped areas, and are much smoother and quieter than cheaper wiper blades. Typically they cost around 10 each, and so cost around 2 per 100,000 cycles.

    Every pack of Rubber Wiperblades that Ive seen carries a warning that they should be replaced between 6-12 mnoths. Thats because U.V. Ozone and Pollution all combine to attack the Rubber Wiper Blades, even when theyre not being used. Thats really bad news for Low-Mileage Drivers and Classic Car Owners, because the Wipers often rot away before theyve done much work!

    Silicone Wiper Blades wear much slower than Rubber ones. A good quality Silicone Wiper Blade has an expected life of 1,500,000 (one and a half million) cycles. Good Quality Silicone Wiper Blades cost slightly more than Premium branded rubber ones, about 12 each. Giving by far the lowest Cost over life of 0.85 per 100,000 Cycles – Obviously, thats great news for High-Mileage Drivers.

  • August 27, 2017 /  Trade & Franchise
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    Traders make good money doing Bitcoin trading. Recently, Bitcoin was in negative news as one of the online companies that accepted Bitcoin was selling guns and drugs to people and the FBI arrested their owner. However, that does not mean that Bitcoin is over as the FBI still considers that Bitcoin is not illegal. In its charge against Silk Road, FBI claimed that Bitcoin is not illegal and there are not charges against it.

    Bitcoin which is generated at a controlled rate using a computer program is becoming a popular trading option among traders. Also, being traded around the world these days for many traders consider it a beneficial tool to make profit like Forex, you can trade Bitcoin and profit from it. Additionally, as there is no governmental interference, you do not worry if it is under the whims and fancies of the governments or rulers.

    How Can You Trade Bitcoins?

    You need to first contact brokerage firms as there are several brokerage firms that help you trade Bitcoin. They help you make money investing in Bitcoin as most of these brokers are known for providing highly useful trading platform; you can trade without much hassle. Additionally, they help you trade bitcoins like you trade any other asset like currency paiies and help you make money.

    Why is Bitcoin a Lucrative Asset?

    In the last couple of years Bitcoin has become one of the most popular trading options for traders. This year in the beginning it went higher up, and was trading close to 250USD per Bitcoin; from this fact, you can understand how much potential it has for traders. Moreover, Bitcoins are safe and secure as these are a cryptographic digital currency, there is a lot of privacy and that is what attracts traders.

    Additionally, as Bitcoins are generated at a controlled rate using a computer program, even you can make them and save them in your hard disc; however, that needs a lot of expertise and skills required for Bitcoin mining. Nonetheless, the best thing for you if you do not want to do Bitcoin mining is that you can purchase Bitcoins in one of two ways i.e. you get them either through an exchange platform, or directly through other people i.e. retailers.

    These are often sold by retailers or traders who wish to make money buying them at lower prices and selling them at higher prices like any other currency or share. However, you need to be cautious about all this as there are chances of cheating. Nonetheless, whoever you buy your Bitcoin from, make sure that it is saved or protected as there are a lot of cases where they have been stolen.

  • August 24, 2017 /  Banking & Money
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    Banks and credit unions seem very similar to most people. They both offer deposit accounts and various types of credit. They have many of the same services, telephone banking, online banking and ATMs; but there are some major differences between the two. If youre wondering where to turn for your next personal loan or arent sure where to open a savings account consider the following differences between a credit union and a bank.

    Credit Unions

    A Credit Union is a member-owned not-for-profit financial cooperative governed by a Board of Directors elected by the credit unions members. The members of a credit union usually have something in common, such as living in the same geographical region or belonging to the same organization.

    Credit Unions offer everything from checking and savings accounts to small business loans, car loans, mortgages, personal loans, and more. A credit unions main focus, however, is on savings and it will usually offer higher interest on savings products than a bank. A credit unions not-for-profit status means that any income it earns is given back to its members, usually via lower interest rates and fees.

    Banks

    A bank is a stockholder-owned financial institution. Its main goal is to make its investors money and it does so by investing its customers money or lending it to other customers. When you make a deposit at the bank you are essentially loaning money to it. The bank pays you back in interest for that loan but the rates vary depending on the bank (consider that 0.05% youre now making on a savings account you opened several years ago when interest rates were much higher).

    Banks also make their money in fees (ATM fees, overdraft fees, late payment fees, etc.). Banks carry the same products as credit unions, deposit accounts, IRAs, credit cards, and so on, but unlike a credit union, a banks products are FDIC insured. (Credit unions are insured by the National Credit Union Administration (NCUA) so funds are still guaranteed should the credit union fail).

    While it may seem that banks and credit unions both offer the same products and the only difference is in who owns them, credit unions lead the way when it comes to service. Surveys of bank customers and credit union members consistently show a higher rate of satisfaction among credit union members. And while banks are often able to provide more convenience, in that they typically offer more branch locations, customer satisfaction is not as high.