Author: Suzana

Let’s Make Money

Having money or being able to make money is the foundation of personal freedom, and personal freedom is the singular thing that creates happiness and fulfillment in a person’s life. The freedom to do as one pleases is fundamental to our nation, as it was founded by people fleeing religious persecution under the reign of the English monarchy.

But, we have lost our way in America as we continue to invent laws that restrict personal freedom in our country. It’s all done under the guise of “protecting” us but in reality, we would do just fine protecting ourselves if left to do it in a way that actually protected does.

So what is one to do about freedom? There is only one thing you can do and that is to make a bunch of money.

Think about it, even under dictators the rich live well. And even in dirt poor countries the rich live well. And even under Communism, Marxism, Socialism, Dictatorships, and Democracies, the rich always live well while the poor go on about their business as the poor always have.

I’m not judging, I’m just stating facts. So, what you have to decide is if you are going to be free and live among the rich or be stifled and persecuted and live among the poor.

It is a personal choice, so make the choice and stop pretending that the decision is more complicated than that.

Ok, so I’m going to assume that you have decided on freedom and wealth. Now I’m going to show you a way to achieve freedom and wealth.

The first thing you need to do is adjust your thinking and start believing me. Now I know you don’t know me well enough yet to just trust me so I’m not going to even ask you to trust me, I’m just going tell you about a money making strategy that I discovered that will earn you as much money as you need or want in only thirty minutes a day.

Now, before I tell you what it is, I want to make this one thing clear. You don’t have to know anything about the subject I’m talking about and you can learn how to do this in as little as 30 minutes without it costing you a single penny, OK? So keep reading.

What I’m talking about is trading oil futures during the opening session of the US oil market for about 10 to 30 minutes. In this short thirty minute period you can make almost any amount of money you want.

I know this may sound crazy, but it’s absolutely true and you can find out about it from any number of sources. There are clubs and trading rooms you can join who will teach you how to do it and there are specific strategies that you can follow and it is so simple even a chimp can do it.

But seriously, I discovered this simple way of making money without risking anything and I wanted to pass it along to you. So, if you need an extra $100 a day or $1,000 a day you can earn it in the first 30 minutes of the US oil session in the morning.

So chose freedom and live the life you have always dreamed of. You know we all dream about a similar life, just some of us give up on that dream and some of us don’t. I didn’t give up, did you?…

Refinancing Home Loan – Important Things You Need to Know

Many challenges are regularly associated with mortgage loan refinancing. To start with, you will get all stressed when you think you simply can’t obtain the credit. A low income, a pre-existing loan, debt with other lenders, poor credit history and too advanced age might be a few of the logic behind why you never make the favorite client of financial institutions. They will provide you with money, but on less advantageous conditions. In these instances you could expect a higher rate, a lower amount of money and various other terms imposed on you.

One thing you ought to do today to improve your chances to obtain good mortgage loan financing is to work with your credit. It typically takes 12 months or two prior to repairing damage, however in that time period interval you should never be late in the repayment of your rates. For those who have a favorable credit, you’ll be able to already begin doing your research to check the different options you could have with the numerous lenders. Regardless how pressed you feel to get things sorted out last but not least have got a place to call home, you shouldn’t rush right into a decision.

It’s also advisable to begin with the premises that home finance loan financing is definitely an aid, an option. The savings you might have and also the family help matter a lot to build a money deposit and pay as much beforehand as possible. Families that have around 50% of the sum can consider themselves fortunate. The stipulations with lenders are a great deal better in such instances because the sum you borrow is lower. Which means you will not pay exorbitant rates every month and you’ll finish repayment sooner.

Do your calculations really carefully to make sure that you could spend the money for rates. Normally, you will find there’s maximum limit that the house loan rates may take from your monthly income. You might want enough money to cover bills, health and dental insurance and all the other costs related to family and home maintenance. Likewise you must have enough money left to be able to pay the home loans rates. This is the reason house loan financing often appears like lottery.

Maybe your financial plans looked really promising at the time you contracted the loan, but nothing is certain the business world. No job is safe anymore. Things could often turn against you, and difficulties could appear with all the repayment with the debt. Always take precautions and then try to save as much as you can!…

Trying To Find Financial Assistance for Tubal Reversal Surgery

If you are one of the many women usually as part of a couple who has decided to undergo tubal reversal surgery to regain your ability to conceive, then it is safe to say that you are aware of the cost of such a surgery. Just for the procedure alone it can cost over $8,000, not to mention other costs that may come with it for those operations which have the different parts, like hospital costs, charged separately. Many may argue that you can’t put a price on the gift of childbearing, but these days your financial situation can easily get in the way of your dreams. However, financial assistance for tubal reversal surgery is a great option to help you either lower the cost or find some way to cover it and be one step closer to having a child.

A great place to start would be to take a look at your own health insurance policy. Some insurance companies may cover the expense of the surgery, or at least some of the cost. However, more often than not, your insurance company may consider tubal ligation reversal surgery to be ‘elective’. What this means is that the surgery itself is not a needed medical procedure to save your life or better your health and therefore is disqualified by your health insurance company. What you need to do is to review your insurance policy to find out if you are covered. You may even be one of the lucky few that are. However there may be some coverage for the smaller costs like you lab work needed before the procedure.

One thing to note is that if you are seeking the reversal surgery for relief from post tubal ligation syndrome, you might, with your doctor’s help, be able to show the surgery is required for your health and get it covered by your health insurance policy that way. This does take some doing and the proper presentation.

If you don’t find much help from your health insurance company, you might have better luck with a medical financing company. Such companies help by providing financial assistance for tubal reversal, providing that you agree to their terms of service. This is in essence simply getting a loan but from a special company that provides loans for medical procedures such as plastic surgery, dental surgery or, in this case, tubal ligation reversal surgery. In the long run it may cost you more of your hard-earned cash, but if time is of the essence, and who wanting a baby doesn’t feel that time is of the essence, then using a medical financing company can be a solution.

If all else fails, loans may be obtained from your local bank. While this may still fall into the medical financing category usually you will not get a loan from your bank for a medical procedure. However, you might get a personal or signature loan. If that is not an option, then perhaps a second on your home or some other asset is possible. But think very carefully about taking out any loan that will add more liability and payments.

Needless to say there aren’t too many options out there, so start saving money as soon as possible. This in fact may be the best method to actually raise the funds for your tubal ligation reversal even if it doesn’t fall into the realm of financial assistance. While you might even consider using fundraising to gain extra funds for the procedure, a reversal procedure just doesn’t have the same appeal to other people’s generosity as raising funds for someone needing a transplant or dying from cancer to pay the hospital bills. However, if you do find financial assistance for tubal reversal it can make a difference.…

Many Disability Plans Give False Sense of Security

Would you purchase Fire Insurance on your home if it only covered a fire that started on a Monday morning?

Would you purchase collision on your brand new car that only covered A� its value?

Almost everyone reading this would probably answer a definite “No” to both questions, in fact you wouldn’t go near a policy like that.

Yet thousands of Canadian workers think their Worksafe plan is sufficient coverage for long term disability.

According to the Council of Disability Awareness, less than 5% of disabling accidents or sickness are work related, which means these people are relying on a policy that does not cover them 95% of the time, yet you would think it was crazy if someone tried to sell you a home insurance product like that.

Then there are others that say “yes” to disability mortgage insurance yet never see a contract. You don’t know what is covered, definitions, exclusions, or length of policy. And now you have disability insurance that covers the mortgage payments (maybe), but what about the other half or two thirds of your income. The mortgage might be paid but you’ll starve to death in the mean time.

Accidents and illnesses are facts in life. They can happen to anyone at any time. And in a second, they can change your life forever.

Consider the following:

Your chances of winning the Lotto 649 draw is 1 in 13.9 million

Your chances of dying during your working career is 1 in 8

Your chances of becoming disabled for 90 days or longer at least once prior to age 65 is 1 in 3

The average length of a disability which lasts over 90 days is 2.9 years

So considering all of these stats and the fact that a long term disability is more likely to happen than anything else, and your ability to earn a living is the most valuable thing you own, why is it that hundreds of thousands of Canadians have either no insurance or rely on Worksafe or mortgage insurance as their plan?

It’s like your future is hidden behind one of three doors. Two of them lead to good health. The other leads to disability. Pick the wrong one and you loose. Are you willing to play the odds? Can you afford to let that happen?

Of course you can’t. The person who says he or she does not need disability insurance is the same person that says it’s not going to happen to them. You can’t take a holiday from work for 5 years. How do you think you would last with a sickness or injury that prevented you from working for the same length of time?

The solution is a personal plan that covers sickness or injury 24 hours a day, 7 days a week with no exclusions or hidden fine print. You’re insuring everything else, what about the machine that pays for those premiums?…

Role of Banking and Financial Institutions in Business Development

Opening a business or a firm is an exciting challenge, but what really gives pain is doldrums of economic strings. It is the basic factor behind the role of a business in its realm. Financial crunch is the most unpredictable situation and when occurs gives a powerful whiplash. Only those businesses or organizations survive that have an experienced banking or finance partner. Such partners can help in running a newly emerging or established business.

The fact is that most successful organizations are the ones most responsive to change. When it comes to changes only those businesses change that have effective team, efficient management, solid reserves and surpluses. Responding to evolving markets, customers and new protocols is very difficult unless you have your banking partner with you. Unquestionably, banking and financial institutions help businesses to think ahead to the wide array of innumerable opportunities to explore. They help businesses at every step and provide the most vital things like commercial loans, commercial overdraft, equipment finance and business insurance. These are some of the most crucial things that help businesses to boast its banner at the worst case situations.

Commercial loans are the most important factors for businesses. Businesses always look to buy commercial premises for their expansion. For this, they need instant balance, which only a reputable banking organization can offer at the most basic rates. They also offer their clients to choose between variable or fixed interest rates for their benefit. Banking authorities are also involved in the fair assessment of business assets and their financial proposals. This simply helps businesses to grow and expand their market value with more aggressive measures.

Businesses often need equipment finance that are very expensive and can consume complete surplus of the company. Banking technology along with financial institutions extends their assistance in purchasing or leasing equipment, whatever is necessary. Banks also discuss this thing with company’s advisory board to choose the best equipment as per their requirements. Banks also have instruments and products that specially SMEs and small organizations to grow and develop their core capabilities. They have various micro finance instruments that simply help SMEs to grow strong and independent.

In a nutshell, banking and financial institutions are developing new instruments and products to offer immunity to the businesses so that crisis never breaks their necks. They also ensure that businesses never face shortage of cash supply. This has dramatically changed the face of business scenario and boasted trade finance.…

Miscellaneous Real Estate Costs

Many people end up making a great deal of money through strategic real estate investments. However, even experienced investors can forget or overlook many hidden costs. By learning about the different fees you may incur, you can increase your bottom line when buying property.

Fees –

There are a lot of miscellaneous fees involved in purchasing real estate; loan application fees are a prime example of this. Right from the start, you have to spend money in order to be considered for most Brisbane home loans. Although the fees might be minimal, they still must be taken into account as an expense that takes away from your bottom line. There will also be solicitor and conveyancing fees to take into consideration; both of these are generally inescapable parts of purchasing real estate, and will detract from your overall expected returns.

Inspections –

When readying a property for purchase, certain inspections must be undertaken. The most important thing to realise is that anything of value requires an investment and is rarely provided free of charge. Building inspections are critical when purchasing a new property and can uncover major problems that would cost you even more money down the line; council inspections are also part and parcel of the property buying experience. On top of these routine inspections, you really should make sure that there are no pest infestations at the property that you are considering; you can add paying for a pest inspection to the list of additional costs.

Insurance –

Paying for the property that you buy involves more than simply paying a monthly mortgage loan; as an experienced Brisbane financial services agent can tell you, insurance costs must be factored in and will be an ongoing additional expense. The home itself must be insured; most mortgage loans require this. Contents insurance is extra coverage that protects your possessions and is highly recommended.

Other Miscellaneous Costs –

Once the purchase is finalised, there are still a few more costs to be considered. Moving expenses absolutely must be included in the final cost of buying property; in some cases, they can be considerable. Utility connections are an essential component of preparing a home to live in. Accounting for these expenses early will not leave you in the lurch. By being aware of the extra costs of buying real estate, you can make a far more strategic – and informed – decision.…

SEO Article Writing Service – Revealed – 3 Fresh Secrets to Make More Money From it

This article is for those individuals and companies that are currently offering SEO article writing services. Due to the growing competition in the online arena, I am pretty sure that you’re now finding it more challenging to boost your sign up rate. Well, let me help you get the kind of attention and response that you need from your prospects. Here’s what you need to do:

1. Take care of your current customers. Before you think about attracting new clients, I suggest that you consider pampering your current customers first. You see, retaining an old customer is much easier compare to attracting new business. Give these people what they deserve. Ensure that the articles you deliver to them are of high quality or simply the best. Then, let them know that you’re willing to go to great lengths to impress them. If you do this, you will not only be able to get these people to come back but you’ll also be able to convince them to recommend you to the people they know who might need what you offer.

2. Promote product awareness. Plan a very targeted internet marketing campaign in order to educate your prospects about the services that you offer. I highly recommend article marketing, social media marketing, blogging, forum posting, search engine marketing, PPC advertising, etc. It will also help if you launch free teleseminars or offer free ebooks to interested parties. Doing these will surely help you grab your prospects by the throat.

3. Increase your rates. Don’t be afraid to increase your rates as this doesn’t necessarily mean losing your customer base. You see, most people online know that they’ll get what they pay for. As long as you offer them with superb, high quality service, I don’t think they’ll mind paying more.…