Howe Della – Center For Economics And Society http://www.cires-ci.org Covering the finance world Mon, 16 Oct 2017 21:47:47 +0000 en-US hourly 1 https://wordpress.org/?v=4.7.6 https://i2.wp.com/www.cires-ci.org/wp-content/uploads/2016/03/cropped-icon-1.png?fit=32%2C32 Howe Della – Center For Economics And Society http://www.cires-ci.org 32 32 108313924 Top advantages of using cash cards http://www.cires-ci.org/top-advantages-of-using-cash-cards/ Mon, 16 Oct 2017 21:47:47 +0000 http://www.cires-ci.org/?p=134 Read More ...]]>

Having a cash card is one thing that every individual should have. This is because cash cards can be inserted into the ATM just like any card that is used to withdraw funds from the ATM. Similarly, you can use a Umay plus บัตรกดเงินสดออมสิน to make payments for services and products at different retailers. Cash cards have become popular in the recent past, and most financial institutions recommend that their clients apply for the cash card. There are several benefits of having a cash card, and they are as listed in this article. Going through them may convince you to consider having a cash card

Good returns

The aspect about returns is the most attractive thing that is making individuals to consider having gfyyuhujhjcash cards. Most cash cards have minimum returns that are very attractive hence making them be highly recommended. However, some of this cash cards will give good rates if only you use a significant amount at some preferred retailers.

No credit check

It is evident that a cash card will not offer credit facility and for this reason, your credit history will not be checked. All you will need to provide is an ID to be used in giving information as your card is being processed.

You’re in in charge

Another advantage of using cash cards is that you are the one to set the limit of the money you will be spending. You will only top up the card with money wherever you want from your phone, post office or PayPoint. Similarly, you can transfer the money directly from your bank account.

Cash cards are convenient

ubbbvnvjvfhOne of the most significant advantages of cash cards is that they will enable you to access your money anytime and from anywhere. By having a cash card, you will not need to visit your particular financial institution to access your money. Anytime you visit a place or move out of from your town you will not worry because the card can be used in most ATMs to withdraw cash or you can pay at the counter.

Easy top-up of the card

On the other hand toping up money to your card is not a difficult task because you will only need to use your phone, visit a PayPoint or transfer directly from your bank account. This makes it very easy because you will not have to visit the financial institution to get the card loaded with money. This is a significant advantage that you should consider and plan to get a cash card.

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Benefits Of Using A Broker For Public Liability Insurance http://www.cires-ci.org/benefits-of-using-a-broker-for-public-liability-insurance/ Fri, 13 Oct 2017 11:00:27 +0000 http://www.cires-ci.org/?p=90 Read More ...]]>

Public liability insurance is important business, large or small, dealing with the public. With so many cover options available, it can be confusing to choose a single policy. Brokers are available to offer advice and arrange cover for you, but why should you get a public liability insurance quote from an insurance broker instead of dealing directly with the insurer? See below

Benefits of using an insurance broker

Better Price

fgfdgfdgfdgdfgMany businesses think that by “cutting out the middleman” and searching for insurance policies on their own, they can save money. In fact, brokers normally manage to secure a cheaper quote than communicating directly with the insurance company. This is because brokers are professionally trained in finding the most appropriate policies for their clients, so the risk of under-insurance and additional claims is reduced.

Save time

Comparing public liability insurance policies from different providers can be very time-consuming. Quotes must be obtained individually from each insurer, either by calling and speaking to a representative or by filling out a separate online form for each insurance company. A broker only needs to take the details of your business once and does all the hard work so you can just sit back and wait for the quotes to be sent to you.

Ensure your business is fully covered

Under-insuring is a common problem for many businesses, and this can result in a significant loss if you need to claim later. Qualified insurance brokers are trained to ask appropriate questions to make sure that your business is insured with a sufficient level of cover, while still keeping the premiums as low as possible.

Helps you stay up to date

hgjghjghjghjghjghjghIn any business, the last thing you want to worry about is whether your insurance is up to date. A broker will keep track of when a policy is due to expire and contact you with plenty of time to renew the policy and make any needed changes. Insurance brokers also stay up to date with changing legislation and help to update your policies if needed, so you can rest assured your business will always be covered in full.

Your broker is on your side in the event of a claim

If you do need to make a claim on your public liability insurance, your insurance broker will work on your behalf to communicate with the insurance company and helps to ensure quick and full settlement of your claims. If you have any problems with your insurer they can also act as your advocate and provide you with support and advice.

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Tips when Hiring A Health Insurance Broker http://www.cires-ci.org/tips-when-hiring-a-health-insurance-broker/ Thu, 13 Jul 2017 12:37:21 +0000 http://www.cires-ci.org/?p=78 Read More ...]]>

Issues of health insurance are complicated and therefore requires an expert to take you through. You don’t just need any broker but an expert who has enough knowledge assist you in getting the best. Paying premiums every month only to be taken round when you need to benefit from your health insurance cover is not only a waste of money but can put your life on a balance scale. According to an independent broker from Medicare Insurance in Arizona, most people have suffered this disappointment because they could not identify the best broker. So you can use these tips to get the most reliable health insurance broker today

Tips to hire a health insurance broker

Check experience

fdgfdgdfgfdgfdgHealth issues cannot be learned overnight and anyone with few years of experience is not the best shot. Therefore before approaching any health insurance broker, do a background check of how many years they have been in operation. Alternatively, you can raise the question during the discussion before you engage. This person is supposed to taking you through all details of health insurance covers and according to your needs help process the best. Therefore someone with a great level of health knowledge is the best.

Check one who offers simplified solutions

Being a layman, the last thing you need is to be taken through packages you do not understand. However, the best health insurance broker simplifies the negotiated packages to what an ordinary perform will understand and enjoy to fit in. The packages must be presented in clear documents for reference to the clients.

Offers best-priced Medicare supplements plans

Currently, the Medicare plan F is the mostly used for people who prefer the comprehensive cover of all the many packages available. However, different health insurance brokers negotiate the premiums at various prices for their clients. If you are considering to join this kind of cover, then you may need to select a broker with the most pocket-friendly premium cost.

Variety of Medicare insurance carrier

fgdfgfdgfdgApart from offering the best price, a health insurance broker who shows seriousness in what they do will have great and up to date knowledge or health insurance issues. On top of that, they need to represent various Medicare insurance carriers so that they do not run out of options for their clients.

Conclusions

Having the best health insurance cover shows you take care of both your health and your family. The success to this can be determined by the kind of health insurance broker you choose. Choose the best.

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Importance Of Good Trading Courses http://www.cires-ci.org/importance-of-good-trading-courses/ Thu, 24 Nov 2016 05:39:31 +0000 http://www.cires-ci.org/?p=107 Read More ...]]>

With a good Trading Course, a novice, who has no knowledge of the Forex market, is transformed into a profitable and a consistent Forex trader. Learning the ways of trading wouldn’t happen in a couple of days. It needs experience and time for mastering the strategies of trading. One must understand that Trading Courses UK wouldn’t make you an expert within a week’s time. Therefore time is required to learn and depends on how quick or slow one is.

Importance Of Good Trading Courses

Why is a Forex trading course needed?

dfgdfgdfgfdgfdgYou must be thinking as to how Forex must be traded. It is not that difficult. When the purchase is made while the market is low and when the sale is done while the market is high isn’t difficult. If trading is done in the Forex market without any Trading course or any education, a lot of money would be lost quite quickly.

Strategies of trading with results

While one is learning about how Forex can be traded, it is not about finding the ‘Holy Grail’ trading system. If it sounds excellent, it might be good. With a trading course, few strategies of trading are taught to you and also an approach would be learned. It must provide backtested of trading strategies and live results.

These Trading courses must not be rule-based and so if any exit or entry criteria is designed, ‘the gut feeling’ approach must be used. When a novice just starts trading, he lacks the experience of making the decisions on ‘gut feeling, ‘ but anyone who is experienced has complete capability of using the ‘gut feeling’ for following the predefined rules step by step. With rule-based strategies, one can stay disciplined while learning this trade.

It must be kept simple

gdgdfgdfggfdgA good course must be kept simple. Several beginners find it too hard to comprehend it. Several new traders make the error thinking that the more technical, the more data and the flashier the course is, the better it would be. However, this is not right, and a good trading course should be able to teach you only the simple tips and basics.

The basic technical analysis, as well as price action trading, must be covered in the course and it should not have many indicators on the chart. You need to ensure that whatever is being learned is based on price action as it is quite essential on charts.

 

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Invoice factoring and its benefits http://www.cires-ci.org/invoice-factoring-and-its-benefits/ Fri, 26 Aug 2016 11:35:56 +0000 http://www.cires-ci.org/?p=95 Read More ...]]>

Small businesses that have just started out may be faced with a lot of difficulties particularly when it comes to their finances. Office space, utility bills, salaries of employees, and production expenses are just a few of the things that they have to concern themselves with.

Contrary to the beliefs of other people, starting a business is not as easy as it sounds. It may take quite a while before you can actually start to see money coming in. But what if you don’t have enough cash on hand to finance your business? Will you go for a business loan? Or, is there an alternative?

Invoice factoring

First of all, what is Invoice Factoring? This allows a certain business company to continue with their operations and activities, as well as to expand or seek new business without worrying about how they are going to pay for the products or services that the business requires.

How does it work?

hdhd4A business will deliver products and services to a credit-worthy company and sells the invoice to a ‘factor’ – also called factoring company. The factor then pays the business company a certain percentage of the amount that is owed. After which, the invoice is sent to the credit-worthy company. Once the invoice has been paid, the factoring company will deduct a certain amount and give the remaining to the business. The money that is deducted serves as the transaction fee.

What are the benefits?

Invoice factoring benefits both the factor and the business company.

  1. Factoring company 

The invoice serves as a promise of the client that they will pay for the rendered services or delivered products. With reputable credit-worthy companies, they are somehow guaranteed a good return on investment.

  1. Business company

It is the business company’s responsibility to replenish whatever has been used to serve a certain customer in order for them to serve a new one. If they are going to wait for the old client to pay, which can take up to 90 days, then their operations may be stopped. But with invoice factoring, businesses will get the cash upfront. Hence they will be able to carry on their daily business activities.

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This is also a good way to control the amount of capital that a particular company receives. This can be used to increase production, which means that there will be more earnings for the company. Furthermore, Invoice Factoring helps increase the purchasing power of a company while improving its credit.

 

 

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Examples of Financing Activities http://www.cires-ci.org/examples-of-financing-activities/ Sun, 21 Feb 2016 09:58:28 +0000 http://www.cires-ci.org/?p=29 Read More ...]]>

graph-163509_640What are financing activities? Is issuing stock a financing activity? The discussion below will serve to offer the responses to these questions and provide a better understanding.

What are financing activities?

These are transactions or flow of cash between the firm and its investors and creditors (i.e. the creditors for non- trading liabilities such as long- term loans, bonds payable etc.). The section of financing activities is among the three segments on the statement cash flow of the business. The other two sections are the investing and operating activities.

Financing activities primarily involve stockholder’s equity or owner’s equity, long-term liabilities, and the alterations that occur to short- term liabilities. The financing activities are often reported in a distinct segment of the financial statement referred to as the cash flow statement or the statement of cash flows, (SCF).

What are some of the examples of the financing activities?

Long- term liabilities

Examples of the financing activities that include the long- term debts comprise the redemption or issuance of bonds. An escalation in the bonds payable is stated as a positive amount in the cash flow statement section. The positive amount signifies cash that was generated by the issuance of extra bonds or simply a source of cash. A decline in the bonds payable is reported as a negative sum in the financing activities segment of the SCF. A negative sum implies that cash was used up in redeeming or repurchasing the bonds of the corporation.

business-257911_640Stockholder’s Equity

Examples of Financing Activities comprising the owner’s equity involve the issuance of preferred or common stock. Escalation in these stock accounts is stated as positive totals in the financing activities segment of the cash flow statement. The positive sums connote that cash was offered by issuing more shares of stock which is a source of cash. The examples of the uses of cash which are sated as negative sums in the financing activities portion of the statement of cash flow include cash expenditure on repurchasing the stock previously issued, to settle for a debt, to pay interest on debt, and to settle the dividends to the shareholders.

It is important to note that the financing activities may either involve the use of cash or may not. It is only those activities that affect cash that are reported in the statement of cash flow. The activities that have no impact on cash are referred to as non- cash financing activities. Such activities include discharging of a liability by the issuance of a bond payable or a note and conversion of a debt to a common stock.

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Considerations while Getting a Used car Finance Option http://www.cires-ci.org/considerations-while-getting-a-used-car-finance-option/ Sat, 02 Jan 2016 10:17:16 +0000 http://www.cires-ci.org/?p=33 Read More ...]]>

dollar-941246_640A growing number of people are selling of their old cars for the constant influx of new cars that are hitting the roads. Most people like buying a second hand car as compared to a new car after getting a drivers license. The idea is that it is always better to buy a new car after your skills are honed on a used car.

When the time comes to pay for the car, we look for cheap used car finance rates 2016. However obtaining finance for used cars is more difficult. The model and the age of the car play a major role in the financing decision of the car. Normally it is seen that used car loans are three percent more expensive than the new car loans. At best, you are bound to get approximately 75 % of the value of the car as the loan.


Age of the used car is critical

Getting finance for new cars is no big deal. However , when it comes to getting finance for used cars , then the age of the car is important in order to determine if you will get the loan or not . The model of the car plays an important role as well. If the model of the car has been phased out of the market, it is highly unlikely that you will receive the loan.

Most financers will first look at the tenure for which the person wants the loan and the age of the car before finalizing on it. The age and the tenure of the car should not exceed seven years combined. For example, if the age of the car is 2, then you can get a loan for five years. The cars, which are four or five years old, generally do not qualify for a loan.


Used car finance rates

Once the car has been identified, the bank sends an evaluation expert in order to calculate the value of the used car. The value will be dependent upon the number of kilometers run and the model of the used car. Based on the valuation, the bank will finance you. The used car finance rates 2016, will be a combination of the profile of the customer, his credit score, the after of the car and the make of the car.

Normally a customer will only qualify for 70 % of the value of the car as the loan. However, if the relations of the customer with the bank are good, he may qualify for 80 to 90 % of the value as the loan.

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