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A Personal finance blog to get rich

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Archives for January 2017

  • Beautiful Life
  • Becoming Rich
  • Beginners Guide
  • Extra Income
  • Productivity
  • Saving Money

4 Reasons to Get Small Business Insurance

January 24, 2017 Leave a Comment

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When you’re in the process of getting your small business off the ground, you might be tempted to cut costs. It’s true: starting a new business is expensive. The Small Business Administration (SBA) estimatesthat new business owners spend an average of $1,000-$5,000 for a home-based franchise. In 2009, the Kaufmann Foundation said the average start-up cost as much $30,000.

There’s a disparity in these findings, so let’s say that the average small business costs somewhere in the middle, say at $15,000 to start.

This may seem low-cost, but keep in mind that this is only to start the business, not to keep it going. Also know that most Americans have less than $1,000 in the savings account, so starting a business would be a huge financial undertaking. If the business should fail, the small business owner doesn’t have their personal finances to fall back on.

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3 Ways to Reduce Insurance Cost

January 23, 2017 5 Comments

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When it comes to reducing debt, many people ignore the insurance line on their budget. They need insurance, so it becomes an untouchable expense with which they feel helplessly saddled. Look at your expenses towards insurance coverage, life insurance premium in your paycheck, auto insurance bills, home insurance receipts, etc. They add up to a huge number!

3 Ways to Reduce Insurance Debt

I am not asking for stopping your coverage. That’ll be suicide. Remember, I always say insurance is an important defense for your financial security. Insurance is required but, you can save money on your insurance coverage. You just need to know how. Here are three ways you can reduce your insurance debt with some simple financial “housekeeping.”

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How to Use Debt Settlement to Escape From Debt

January 22, 2017 1 Comment

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Many of us have debts which need to be repaid and harnessing those debts can be quite the challenge. Humans are weak, and we are all prone to doing many of the same behaviors which got us into a bad situation in the first place, this time hoping for a different result.

Credit card companies know that most people fit the clinical definition of insanity so they keep feeding us their product. They also know that most of us one day emerge from the haze and make a conscious and earnest decision to get a hole of our lives.

This is why credit card companies and their subsidiaries have begun rolling out their debt settlement program. You may have some questions, such as:

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Choosing a New Location for Expanding Your Business

January 18, 2017 Leave a Comment

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Location is everything when it comes to business – any business. If you have successfully started your business and survived your first year (or first couple of years) in the market, then you might be looking to expand your business by relocating to another location. Perhaps to a more populated part of the city?

Or maybe you want to transfer to a bigger place. Whatever the case, a new location meant several adjustments and a capital. If you’re currently looking to finance your relocation plan, you can apply for a small business loan. Now ask yourself these important questions:

  • Will the new location contribute to the success of your business?
  • What type of location will best fit the type of your business?
  • How much rent can you afford? Or how much capital will you need?
  • Is the location appropriate for what you plan to offer/do there?

Now let us tackle each question one by one.

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Introduction to Tax Efficient Investing

January 18, 2017 Leave a Comment

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Just like wealth inequality, different asset classes have tax inequality. That is to say, different asset classes are taxed at different rates depending on what they are and how long they are held. As investors, we want to maximize our returns. Limiting the amount of taxes we pay on our returns is one way of doing so.

 

That’s why tax efficient investing is so important. If you are not investing tax efficiently, you are basically giving away your hard earned money to the government. However, in order to understand tax efficient investing, we need to first learn how investment income is taxed.

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How to Earn Money While Doing the Job You Like

January 16, 2017 3 Comments

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When it comes to choosing a career, many people are torn between the decision of following their passion or pursuing a profession which will make them more money. However, many people have a hard time realizing what they want to do in life, and often they learn that their chosen career paths don’t get them any closer to their passion.

How to Earn Money While Doing the Job You Like
Can one find the perfect balance between doing what he loves and loving what he does? Such an endeavor does indeed lead to career satisfaction and personal fulfillment, but what are the necessary steps to take to find a job or run a business that you truly enjoy and make decent money out of it?

The good news is that now you can make a reasonable salary doing what you love. Here are some success tips to help you through.

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5 Facts On Life Insurance Without A Medical Exam

January 13, 2017 1 Comment

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Unless you’re with your employer’s group life insurance plan, you need to undergo a medical test when you apply for a traditional life insurance. Now, amоng thе fаѕtеѕt grоwіng financial рrоduсtѕ, уоu’vе рrоbаblу hеаrd ԛuіtе a deal about No Mеdісаl Lіfе Insurance, оr lіfе іnѕurаnсе wіth “nо medical exam”.

5 Facts On Life Insurance Without A Medical Exam

It’s оn TVs, рrіnt ads, аnd all оvеr the іntеrnеt (іnсludіng hеrе), but what’s thе real story? Iѕ no medical exam life insurance rеаllу аѕ easy and simple as іt сlаіmѕ to be? And is іt a worthwhile insurance рlаn, оr іѕ іt аn еxреnѕіvе trар?

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Tips For Finding The Perfect Home for You

January 13, 2017 1 Comment

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Buying a home is a challenging task in one’s life. Once you have enough cash to purchase your own property, then you should be watchful in obtaining one. There are various types of properties, contingent upon your financial plan and preferences. Thus, you need to pick one that suits the needs of your whole family.

Tips For Finding The Perfect Home

Wherever you choose to buy your own home, you have to ensure your security and comfort. There are a lot of options available out. Some you can buy fully furnished and some you can customize. Simply search for the perfect package that fits both your lifestyle and budget.

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3 Ways to Advance Your Project Management Career

January 9, 2017 1 Comment

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As the economy makes its slow rise after the recession of 2008, the job market is gradually growing. Fortunately, this means more employment opportunities for professionals of all ages. On the other hand, this also means that the job market is becoming more competitive than ever before.

3 Ways to Advance Your Project Management Career

The college has become a necessity for most, and the number of people with degrees and certifications above and beyond a bachelor is also becoming more common.

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10 Myths When You Look For A Federal Job

January 5, 2017 Leave a Comment

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The specialists claim that during the next decade the retirement of more than a half of current federal workers will take place. There is a great chance of receiving a job in this area, but it is necessary to realize that the procedure differs a lot from what you usually do to get hired in private sector.

The materials from federal recruiters allowed us to single out the most common delusions job seekers face while searching a government job.

Presenting 10 myths about federal job search that can open your eyes and make you better prepared when you are applying.

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