Monthly Archives: December 2013

The 6 Most Profitable Financial Investments For You To Make

A financial investment has a degree of risk. A ten year treasury note has a current yield of less than two percent, and this type of long term investment can run the risk of inflation. There are other investment vehicles that provide a profitable rate of return, and these financial strategies are the following:

Tip One: Real Estate Ownership 

Real estate assets have a long term intrinsic investment gain. Some types of leverage real estate can be purchased for their long term rate of return and for leveraging against further investment purchases. Further purchases are available by using bridge loans, for example. A bridge loan is used by real estate owners for short term cash flow until the house is sold, for example.

Tip Two: Rental Real Estate 

Rental properties are profitable investment ventures. Selecting the right types of properties to rent and finding the marketable locations are the important factors in the rental real estate investment market. The modern renter tends to be selective and usually desires a rental property that is energy efficient, low maintenance, and smarter economically.

Tip Three: Business Ownership 

An ownership stake in a popular business can bring in investment cash. Existing businesses with long histories of successful operations tend to be the more profitable. Companies that do not have a history of change and that produce every day products are more likely to continue to bring in share holder profits.

Tip Four: Business Purchase And Sale 

Buying a distressed business in a distressed industry can provide long term gain. This type of scenario will need some investment cash added to the company infrastructure. The business will need some management repairs. The products and services produced are critical.

Tip Five: Capital Investments 

Capital investments are important additions to any long term portfolio. Stocks and bonds with long term increasing yields are the more profitable. Retirement accounts usually have tax advantages that are more profitable than standard savings accounts.

Tip Six: Tangible Assets 

Investment accounts can include certain tangible assets. Gold, silver, and other precious metals are often profitable when held for a number of years. These tangible purchases tend to be private and can be stored in banking institutions.


Profitable investments include selected real estate properties and rental real estate. Business ownership is frequently included in a successful long term portfolio. Capital investments and tangible assets are long term investments to consider as well.

Three Things You Should Double Check on Your Next Paycheck

A paycheck is a vitally important document. Your paycheck is not just a list of the money you’ve earned in any given time frame. It is also verification that your employer has paid into social security on your behalf. A paycheck is also an important tax document that you can use for multiple purposes including to open a bank account, apply for a loan and even rent an apartment. Making sure the paycheck contains accurate information is something every employee should do for every paycheck they get. Several items in particular should be checked carefully.


All Employee Retirement Contributions are Correctly Listed


Retirement is an important part of one’s working life. An adequate pension or other mechanism for retirement savings needs to be part your life plan. The type of retirement plan can greatly vary from person to person and company to company. Some companies offer employees a straight pension based on factors such as seniority. Other companies offer employees the opportunity to contribute to their retirement savings via a tax protected contribution. Make sure the amount listed on your paycheck is listed correctly. If you have a matching contribution, this should also be listed as well. Some companies list this separately while others include the entire contribution in a single number.


Any Overtime Hours are Correctly Listed and Compensated


Overtime regulations can vary widely from state to state. For example, if you live in California, any hours you work over eight in any given day are considered overtime. The same is not true in other places. Ohio overtime law states that overtime is only counted weekly not daily. Any employee should double check that the number of hours are listed correctly on his paycheck. The number of hours should include any fractions of an hour as well. Keep in mind any lunch breaks you may have taken during this time frame.


Your Job Title is Correctly Listed


If you have recently gotten a promotion, you need to make sure the new job title shows up on your paycheck as soon as possible. The extra pay may be listed but the new title may take some time. Contact payroll to notify them of this fact. If necessary, have your new supervisor contact them as well.


Your paycheck is not just the amount of money you earn. Your paycheck is contains a tremendous amount of important information about many aspects of your finances. Make sure it accurately reflects all aspects of your job.

Four Legal Blunders That Could Cost You Money

The steps you take immediately after a motorcycle accident will be crucial to your claim for compensation. Knowing what you need to do in the event of an accident will help you avoid these costly mistakes.

Never Admit Any Fault

Even if you believe that you may be partially responsible for the accident, do not admit to any fault or contributing factors to the event. Accident scene investigators can determine the cause of the accident. In many cases, people admit to fault when there were other factors that caused the event. With this admission, they greatly decrease their chances for receiving full and fair compensation for their injuries and losses. It is human nature to want to share in the responsibility for an accident. Avoid the temptation and let the professionals sort it out.

Failing To Request Immediate Medical Care

You should seek medical care at the scene of the accident. Even if you think it is just “aches and pains” or a “headache from the stress,” you should go to the emergency room to be evaluated. Motorcyclists often sustain head, neck and sine injuries during an accident, even a minor one. Most insurance companies will begin denying medical care for an accident as soon as 24 hours after the event. While they have a legal obligation to offer services for several days after the event, most insurers will claim that your injuries are from a new event and not the accident.

Not Hiring An Accident Attorney Right Away

You need to start protecting your right as a victim as soon as possible. Contact a motorcycle attorney and make an appointment for a case evaluation within a few days of the accident. Your attorney can determine what forms of compensation you may be entitled to under your state law.

Posting Too Much Information On Social Sites

Everything that is posted on a social site is considered public information. Anything that you post about the accident, the injuries, the recovery, or what your attorney is planning for compensation will be read by the insurance company and used against you. If you must post information about the accident or your injuries, make sure it is very vague.

Avoiding these mistakes will help your case for compensation proceed more easily. Even if any of these mistakes have been made, a good attorney will be able to still help you with your request for compensation.


Carn. of Fin. Camaraderie at Messy Money
Aspiring Blogger Fin. Carnival at Aspiring Blogger
Fin. Carn. for Young Adults at Stepping It Down
Carnival of Retirement at Save and Conquer
Lifestyle Carnival at On Better Terms
Carn of MoneyPros at FITnancials

5 Fool Proof Ways to Get Out of The Red With Your Family Finances

Many different families often have a difficult time staying afloat financially and staying out of the red. Although it can be a challenge to succeed in a struggling economy, there are a number of ways to thrive and establish a strong financial future.


1. Create a Budget

A realistic budget that doesn’t exceed your home’s monthly income will ensure that you don’t get into debt or overdraft your account. Eliminate extra luxuries that will provide more wiggle room in your budget and ensure that every dollar is accounted for with your expenses.


2. Use Coupons

Consistent use of coupons on household items and groceries will ensure that hundreds of dollars can be saved every month, which an be used for a rainy day fund or put towards debt. It will make it easy to thrive financially without having to earn an extra income or compromising what you purchase.


3. Create an Emergency Savings Fund

Many people get into debt by having a lack of a savings account, which should be used in the event of an emergency or an unexpected expense. Between a blown transmission to a visit to the hospital, unexpected bills should be planned for. Save at least $1,000 for the fund and build it up again as soon as possible after the money is used.


4. Obtain a VA Loan

One of the best financial benefits for those in the military is being able to obtain low VA rates when purchasing property. This will ensure that thousands of dollars are saved over the years and even make certain properties affordable for both veterans and those who are active duty. Those wanting to refinance can also obtain lower rates and ensure that they reap the benefits of serving in the military. A number of options are available to ensure that the best rates are obtained through


5. Pay Off Debt

Paying off student loans or credit card debt will ensure that you’re able to have a stable financial future without paying thousands of extra dollars in interest fees or late payments. You’ll also have a stronger credit score, which can reduce interest rates when applying for a home or auto loan.

By taking advantage of different tools available and by forming a new relationship with your money, it will ensure less stress and more peace of mind for plenty of savings and a more flexible budget.


Carnival of Retirement at Grad Money Matters
Carn. of Fin. Camaraderie at MoneySmartGuides
Carn. of Financial Planning at See Debt Run
Carn of MoneyPros at Your PF Pro

Looking To Invest? 5 High Return Investments You Should Know About

When investing, it’s all about the return and the risk. Most high return investments also have a significant amount of risk, but by diversifying properly you can avoid the worst of the risk while maximizing your overall returns. Here are some of the top five investments you may want to be investing in now.


1. Lending Notes

Lending notes have just become popular in recent years. A lending note allows you to purchase only a small portion of a loan and to reap the benefits of the interest. Lending notes often give you anywhere from an 8 percent to 10 percent return and function similarly to three year or five year certificates of deposit. What’s even better is that lending notes have fairly low risk. There are very few defaults and the defaults are calculated into the projected return.


2. Startups

If you have a lot of cash to invest, one of the highest return and yet highest risk investments you can choose is a startup company. Being a venture capitalist often means that you’ll lose small many times before you win big, but if you have the mental fortitude for it you may be able to make a significant amount of money.


3. Forex

The foreign exchange market is the perfect place for an investor who wants to be extremely involved in their investing plan. With the forex market, you get directly involved in the most highly-paced market in the world. The foreign exchange market is significantly higher risk than the stock market but also yields extraordinary returns. Choosing this option should come after a lot of research and understanding what are you best options in the market and what you are willing to lose with the potential of great gains.


4. Property

Property is one of the most stable investments in the world. To maximize your returns, you need to invest in property within a developing market that is experiencing significant growth such as California or Utah. Home builders are the perfect collaborators to work with in this venture. They will have the knowledge behind the decisions there are to make and know how to discover quality homes that can be used for rental purposes and a high return on value. Property is an investment that is difficult to beat, as it allows you to acquire revenue while also building equity.


5. Secondary Markets

Secondary markets are unique investment vehicles that give investors the ability to invest in companies that are not yet on the exchange. This offers an investor an incredible opportunity. However, it’s only open to high-income individuals as the risks are quite high. Investors that don’t meet the stringent requirements of these secondary markets can instead choose to invest in companies that invest in secondary markets, much like those that are interested in investing in real estate but don’t want the burden of actual property can instead invest in real estate companies.


So here are a couple of great options that most everyone can work with. Before investing in anything, make sure to make a game plan and know what you can do. Great risk usually velds great rewards, but it is not always worth it if you are not financially prepared. Know your limits and what you should be in market for.

Quick ways to make quick bucks online

Are you looking for a few ways to supplement your income, or maybe help your family out b making a few extra bucks at home? Then rest assured, there are many ways in which you can make money online. The best part is that they are mostly easy to do and do not requirement great commitment and dedication from your side. Just a few hours every day should do it. of course, don’t expect to be swimming in it at the beginning, but if you keep at it, you could have a tidy sum in hand at the end of every month.

Here are a few ways in which you can do that.

Buy and sell domain names

This method will require a slight knowledge of keywords and Google Adwords. Using the latter, find out what keywords are in demand right now. Depending on that information, you can purchase some domain names which you think will become popular soon. Then later, you can sell those domains to companies or individuals that want it. There have been a few cases where three letter acronym based domain names have really sold big to a company with that name. For example, if you buy a domain name with the acronym dsi, and coincidentally a corporation like Debt Settlement Infobank happens to be in the market for a domain name, then you could sell it to them for a lot of money.

Audio gigs

There are lots of audio transcription opportunities available online. Many websites are now providing written transcripts for hearing impaired people. This means that there are a lot of chances for transcribers that have come up. However, don’t expect to be paid a lot of money for these jobs. On the plus side, these jobs are fairly easy and don’t require a lot of commitment. You can find many transcription jobs online.

Do you have a lot of experience using sound and editing software? If you do, then there are quite a few gigs that you can get online. These will involve you cleaning up the quality of webcasts, interviews and other audio data. These however will require some time to complete. Again, look at websites advertising freelance online jobs for leads.

Affiliate marketing

Do you have great marketing or copywriting skills? Then a job as an affiliate marketing might be just the thing for you. This involves promoting the services or products of another company on your website or blog through articles containing links. This is a great method if you have a blog or website which attracts a lot of traffic.

For example, if you become an affiliate marketer with Debt Settlement Infobank then you can either write articles promoting them, or create promotional videos on Youtube or even place banner ads on your website. The last method is usually not very effective as people tend to avoid banner ads.

Even if you don’t have a website, you can still be an affiliate marketer, like posting videos on Youtube using product links, for example.  You can do a cost-per-click advertising method as well, in case you have a website with a lot of traffic.

Using these methods, you can earn a tidy sum of money without even leaving the comfort of your own home. Most of these methods are extremely easy and convenient and can lead to quick results without having to put in too much of hard work and effort. There are many options like these including clicking on advertising and completing surveys as well.

About the author

Dean is an affiliate marketer with an established financial company. He also writes articles on financial corporations like Debt Settlement Infobank and others. In his spare time, Dean loves to watching Formula 1 races with his family. To know more click here.


Five Steps to Follow for The First Time Homebuyer

Buying a home at first can seem like a daunting task. There are a multitude of factors to consider, some of which are not immediately clear or apparent, as well as a variety of factors that differ based on location, what type of home you are looking for, etc. In the past few years, home values have plummeted and are just now starting to pick up. Many see this as an opportune time to purchase a home, but there is no need to rush into things. If you do, you may regret it later. Here are five steps to follow for the first time buyer.

1) Be patient when you begin your search. Building too much anticipation and desire to get out of your current living situation or becoming anxious that you will not find a home if you are pressured under time constraints and do not see something that fits your needs immediately can prove disastrous in the long-run. Conduct your research not just by being aware of home values in the locality or localities in which you are searching but also by going to the neighborhoods and getting a “feel” for them yourself. Talk to potential neighbors about some of the things that are attractive about the neighborhood and try to get the “inside scoop” on what is happening there.

2) There is no such thing as perfect. You may think you will find a perfect home if you look hard enough, but you must realise that every home has its downsides, even if they are small. The key is to take all of the things you want in a home into account–the size, price, location, features, etc.–and find one that comes closest to meeting all of these.

3) Analyse the home you wish to buy with extreme meticulousness. Get the home inspected by a certified inspector and be there when the home gets inspected. If there are any problems, be sure to know how much it will cost to get them replaced and how severe any problems are. If only small things need to be done to the house (i.e. new paint, a little plumbing, etc.) make sure you consider how long it will take for you to do these yourself or how inconvenient it will be to hire someone to do these things. If you are unsure, this checklist can guide you through it.

4) Save some cash for a rainy day. Do not spend all of your money on the deposit, and be prepared to negotiate with the seller. Consider how much new furniture, appliances, etc. will cost for your home. The interest rate on your mortgage will likely be lower than the rate on your credit card, so it is best to not put all of your savings into the deposit. Here are some ways to save money that might come in handy.

5) Make the switch. Once you have purchased the property, prepare to move in. You need to remember to cancel all of the utilities at the place you have been living and switch your official address, arranging for any mail to go to your new address after the move date. Schedule the move date, get everything packed ahead of time and book in the moving company. Then it’s all stations go as you make the move.


Carn. of Fin. Camaraderie at The Wealth Gospel
Aspiring Blogger Fin. Carnival at Aspiring Blogger
Carn Financial Independence at Carnival of Financial Independence
Yakezie Carnival at Faithful With a Few