Wednesday, September 20, 2017

These Tools Will Help You Build Wealth (Especially Number 2)

The technological revolution over the last couple of decades hasn’t just affected the way we entertain ourselves: it also had a profound impact on the way we approach building our wealth says

Whereas in the past, building wealth was a difficult task, requiring a great deal of knowledge of the technicalities of finance, tech has made the whole process a lot simpler. Thanks to the proliferation of digital technology into every facet of our lives, managing our finances is easier and more straightforward than ever before. Here are some tools you should be using right now. 

Tip #1: Robo Advisors 

Financial advisors were often used by the rich and powerful to advise them on how to save and invest their massive fortunes. In short, it was a service for the wealthy, and not for everybody else. But technology has been a democratizing force: practically every service once offered by a financial advisor is no available for free with robo advisors. These advisors can do things like automatically rebalance one’s portfolio, allowing people to build wealth over the long haul. 

The great thing about these robots is that they don't care how much money you actually have in the bank. They’ll work just as hard looking after your $100 portfolio as they will your $1,000,000 portfolio. Granted, high-quality robot services will charge feeds, but compared to what you would have paid in the past for the same level of human assistance, it’s still small. 

Three Reasons Why It's Time To Get Serious About Your Financial Future!

One of the things that sets the current generation apart from ones that have come before it is that the vast majority of young adults in the modern era are living hand to mouth. Rather than being able to put money aside and save it the way that their parent's generation did, most millennials are stuck in a position where their money is going into their bank account and out again almost immediately. Of course, that's not the way things have to be. Sure, maintaining some kind of financial stability is harder than it once was but you still have some control over it. Here are a few reasons why you need to get serious about your financial future. 

If you don't things could get worse 

One of the biggest mistakes that a lot of people make is that they tend to look at their finances very much in the short term. Their main concern is getting through each day with enough money in the bank. However, one of the main issues with doing this is that, if you don't focus on your finances in the future, you could end up getting stuck in a pretty nasty situation. Things like credit card debt might not seem like a big deal when you're buying things on finance, but in a few years time, that debt is going to start adding up. If you're dealing with debt, it's better to sort it out now than to leave it until later. One of the best things that you can do is to go to a site like and take out a single loan that covers all of your debt. That way you reduce the number of creditors that you owe money too as well as reducing the amount that you have to pay back each month. 

Is It Really Easy To Turn A Blog Into A Business?

In short, yes it is. Because everything becomes easy when you put your mind to it. You just need to be able to learn the tricks and tips that can turn luck into success. You may have started your blog as a hobby or as a creative outlet to pass the time, but there’s no reason why it couldn’t become a legitimate business. And although you need to put the time, attention and effort in, it doesn’t have to be rocket science. Instead, you just need to be able to work with the right tools to make it happen. So, let’s take a look at what you could do. 

Know What Options You Have 

To turn your blog into a business, there’s one key area that you need to nail; monetization. Because if you’re going to ensure that it’s a bonafide business, it has to make money. And right now, especially if you’re new to all of this, you will need to figure out how you’re going to do that. And just like there are different income sources in life, there are different monetization options in blogging. So read up on what you could work with, and see which options will be right for your business. 

Tuesday, September 19, 2017

Practical Guidelines For Securing Your Child's Financial Future

Ask any American parent about the most important thing in their life, and they will all give you the same reply - their kids. However, ask the same people about the steps they are taking to give their children a stable financial future, and the chances are that only a minority will be taking action. It’s a sad state of affairs, to be honest, but one that is easily solved. If you want your children to grow up with no concerns about finances, read on - these practical tips will help you secure their future. 

Teach them about finances 

First of all, the best thing you can give your kids is a sound education in personal finances. Sadly, they won’t learn about this stuff in school, so your children are wholly reliant on you and your partner to teach them everything you know. According to, there are many different ways of teaching your offspring about finances, and you can start at a surprisingly early age. Everyday experiences such as your weekly shopping trip, or putting away a small percentage of their pocket money can help you get started. 

Provide the best education possible 

Let’s not beat around the bush - college fees are expensive. And unless your kids are lucky enough to win scholarships, you are going to have to foot that bill if you want them to be university educated. So, consider setting up a college fund, which you contribute towards every month for their entire lives. By the time they hit their college years, you will be able to give them money to cover tuition, coursebooks, and even a little contribution to rent and living expenses. 

Sunday, September 17, 2017

Things To Know About Clearing Your Debt

If you’ve decided to pay off your debts, then you’re already making a positive change that will change your life and put secure a better financial future. Putting a plan in place is a wise move to help you reach your target. There are some things that could help you pay off your debts quicker and in a more manageable way. Read the advice below to learn more about clearing your debts. 

Start with the highest interest rate 

After making a list of all your debts and balances, you should rank them by the highest interest rate. Rather than spreading your payments over your various credit sources and taking longer to pay them off, start with the highest interest rate to clear your overall debt quicker. Make sure to pay the minimums on your other balances to avoid late payment fees and increases in your interest rate. 

A debt management plan could help you manage your repayments 

If you’re struggling to pay off your debts, or your repayments are causing you to struggle with your other outgoings, you should consider getting a debt management plan from a trusted debt relief source. You can find more information about debt management plans from, who can offer you some advice on how to cut your debts in a way that suits your circumstances. You may be able to form agreements with your lenders to reduce the interest or freeze payments for a short period while you get back on track. 

Saturday, September 16, 2017

Buying A Business - What You Need To Know

Starting a business is hard. Perhaps it is made harder by the fact there is so much competition out there. More people are trying their hand at entrepreneurship these days. The internet certainly makes it possible. But it means that there are a large number of people clamoring to make their business viable in the same way. Why not buy a business that is already established? You’ll be walking into a company with a history of success and the goodwill of a customer base thrown in. Be wary though - make sure you’ve done your homework: 


Many businesses that come up for sale in the local area are up for grabs because the owner wants to retire. That means, for whatever reason, the family of that owner doesn't want the business. Why? That’s for you to find out. Potentially, the owner or their family are taking the customers to a new business for a fresh start without the hassle of the work! Make sure you genuinely have the customer base and a no competition clause in your contract. 


If the business has been around for a while, you may have a lot of legacy documents to get through. This is the last thing you want to be spending time on when you’re trying to relaunch a business as your own. It might be a good idea to find document storage services in your area that can index the files for you. This will help you identify what you have, and give you the means to access it quickly and effectively if you need to. 

Investing In Insurance: Which Policies Should You Prioritize?

To some people, the expense can be one of the most frustrating of all, while to others, investing in insurance is a necessary expense that they couldn’t be without. Regardless of the camp you’re in; you will have to admit, that there is a range of insurances that you have to take out in life - whether you want to in life. But how are you able to work out which ones you need the most? Because sometimes, having emergency savings just isn’t enough, you need to have to have a fallback protection policy in place too. So let’s consider some of the policies that you could prioritize. 


The first insurance policy is likely to be one that you already own, but that doesn’t mean we can skim over it. Because owning the right level of health insurance is super important. Should you need medical attention or assistance at any point in life, you need to ensure that you have the right cover. If you’re unable to get treatment because you scrimped on the policy, you may regret it. So make sure you shop around to find the right policy for your needs, rather than just the cheapest options available to you. 


Coming in a close second is the insurance that you need for your car. Cars are often one of the biggest expenses that we have in life, so it’s important to be able to keep yours protected. Should you get into an accident, or have a break-in, you will want to ensure that you have the right cover. But make sure you shop around on a site such as so that you can get the best deal. Because you don’t want to pay over the odds if you don’t have to. 

Friday, September 15, 2017

Stuff You Never Knew You Could Do On Steam

Steam is the world’s most popular gaming platform. But despite its ubiquity, only a small subset of people actually know how to use it properly. And that’s a shame because Steam offers a level of functionality that you never even dreamed of. Here’s what you can do with it. 

Manage Your Games In Bulk 

If you’re anything like most Steam users, you’ve probably got hundreds of games on your account. This is especially true for gamers out there who have been lured in by a legendary Steam sale. It’s easy to pick up a dozen games or more in a single value bundle. 

But there’s a downside to all this abundance: managing your games. Most of us in the gaming community have pretty large hard drives, but no so big that we can store all of our games on a single disk. Sometimes, games that we don’t play need to be uninstalled. 

Clicking on all the games, you want to get rid of individually can be a chore. So Steam decided to implement a feature that allows gamers to get around that. All you need to do is hold control while you’re in the app, and the program will select multiple games for you. Then you can tell Steam what to do with your selection, including installing or uninstalling them. 

Thursday, September 14, 2017

Top 5 Reasons For Having Emergency Savings

Almost everyone plans correctly for the worst, but there are those out there that don’t squirrel cash away every month for the sole purpose of saving money. This isn’t usually due to ignorance about emergencies, but purely because there just isn’t enough surplus cash every month to warrant getting any put away in the bank.

Having an emergency savings account when you are a family is an absolute must. An emergency fund is best referred to as a stash to cover those horrible moments that life throws at you. Expecting the unexpected is a must in the world we live in now, with the financial markets being unstable and job losses at an all-time high! Stress is something you have to cope with when the unexpected happens, but if you can avoid the stress altogether, you would, wouldn’t you? We’ve put together five of the best reasons for having an emergency savings account, so take note all you out there who as yet have no money put aside for the worst!

  1. Job Loss. There’s nothing more stressful than losing a job when it’s the sole source of income that you rely on. It’s recommended that you have between three and six months of expenses tucked away in the event that the company that you work for goes bust. This can give you a cushion for your expenses while you search for more work. Without it? You’ll likely have to take the first job that comes along. 

  2. Car Repairs. Cars are expensive to own, even beyond the initial outlay of buying. You have to consider that at any moment, you could be taking your car for repairs if something goes bang. Looking up how much it should cost with can help you effectively plan your car fund. It’s not nice to have your method of freedom taken away, so make sure you can fix things fast. 

Tuesday, September 12, 2017

Being Smart With Your Funds

Many people experience money troubles at some point during their lives. Perhaps you’ve been a little careless with your spending in the past or perhaps the bills have started to pile up and you’re struggling to keep on top of them. Some jobs do pay better than others, but if you’re smart with your spending and saving then there’s always a way to stretch your funds to ensure that you have a high quality standard of living. Here are some tips and pieces of advice which might just help you towards being smarter with your funds today and into the future. 

Plan out your spending 

The first step towards being smarter with your spending is to make a plan of action. You need to learn how to budget if you want to become better at managing your many monthly bills and payments. Things such as rent payments, the food shop, refueling your car, and electricity are all necessities. There are ways to save money in these areas, as we’ll discuss later, but they’re things you need to survive or, at least, live well in this modern world. You need to learn to keep track of them and see how you’re doing in terms of money afterwards. 

The reason you need to become better at budgeting and knowing how much you spend on necessities each month is so that you know how much of your income remains for luxuries, treats, and other non-essentials. You need to know your limits in terms of disposable income so that you don’t spend beyond your means and end up having to borrow money; that’s the path to debt if you’re not careful. 

Monday, September 11, 2017

The Inspiring Stories Behind The World's Greatest Guitar Legends

Few people have the ability to inspire a generation, but if anybody can, it’s history’s greatest guitar legends. Kurt Cobain, Brian May and Jimi Hendrix are all in the pantheon of the greats. But how did our heroes get their start? Here are their stories. 

Jimi Hendrix 

Jimi Hendrix is probably the most influential guitarist of all time. His ability with the instrument was so great that he has almost become a part of the popular lexicon. “Strumming like Hendrix” is just as much a part of our vocabulary as anything else. 

Hendrix began his career playing gigs on the chitlin’ circuit but quickly abandoned that when his career took off the in the 1960s. His first guitar was a second-hand, $5 acoustic which he apparently learned to play by ear. 

Here’s Why Disability Doesn’t Have To Stop A Loved One Leading An Independent Home Life

Suffering from a disability is never easy. However, it can be even more challenging when the problem surfaces in later life. Seeing a loved one in this situation can be emotionally tough too, but you can help them live life to the fullest. Giving them back their independence at home is one of the best ways to achieve it. 

Disability does establish new obstacles. Nonetheless, it needn’t stand in the way of your loved one’s independence. Here’s why. 

Defeating Outside Threats Is Easy 

Being disabled can make a person vulnerable, not least to outside threats. Burglaries are awful for everyone but are even scarier when you don’t have the ability to protect yourself in those situations. Not only is it a fear for your loved one; it’s also a fear of yours. 

Thankfully, with the ultimate guide to securing the home, your loved one’s property can become safer than ever. In addition to preventing those situations, remote monitoring and alarms can be used. This ultimately means that you can alert the authorities if a situation does occur. The safety of your loved one has never looked better, and it can enable them to use the home with far greater confidence. 

Other security measures can include getting a security dog or installing alarms to alert support teams in a crisis. One way or another, increasing that safety is key to creating that winning home atmosphere. 

Saturday, September 09, 2017

Room to Relax: Creating the Perfect Chill-Out Space

If you have a spare room that is currently not in use, instead of just leaving it to gather dust, you could transform it into a chill-out zone. Everyone needs a place where they can relax and get away from the stresses of daily life, and this could be yours. Whether you choose to do yoga, play some games or simply curl up with a good book is up to you, but here are some ways that you can create a relaxing space for yourself. 

Start with a Soothing Colour 

Creating a chill-out zone doesn’t necessarily mean that you have to have to go through major renovation work. A lick of paint can go a long way, so choose a colour that is going to help you unwind. Greens and blues are popular choices, while you could always go for classic whites or beiges instead. Ultimately, you don’t want anything that is going to be too overbearing as it will detract from the soothing atmosphere that you are trying to create. 

Friday, September 08, 2017

Always Aim To Fix Your Desktop Yourself

So your computer’s been crashing and you’re about ready to give up with it, especially when it’s blue screening non stop. You can send it into a store if you want, but why not choose to run maintenance on it yourself? You may think you know nothing, however, this is the perfect time to hone up on your handy skills. Let yourself in on a little technological secret and choose to fix your PC up for yourself. Here’s a few reasons why it’s better to do so. 

There’s A Huge Difference In Cost 

Sending in your computer for repairs can come with a hefty bill. If you do it yourself there won’t be any service costs, and any extras that you didn’t actually need couldn’t have been thrown in either. You know exactly what is going on, which saves both your peace of mind and your wallet. 

Costs can soar when you take in a huge tower system to a repair shop, and often prices go over the 100 mark. A lot of us can’t spare this kind of money, so it’s practical and essential we know how to run our own repairs. 

However if you need to, IT call lines are always open and usually free to use. 

Be a Gaming God with These Tech Accessories

No matter how you like to play games, you probably like to win. You might not be good at everything you play, but you do have more fun if you're eventually able to move on to the next level. You might be a casual gamer who plays with their phone when they get a break or a serious gamer who has all the latest gear, and it can still be equally frustrating when you can't get something right. Sometimes, having the right tech will help you to react faster or be more accurate. You can turn yourself into a gaming god using a few pieces of equipment. 

For Computer Gamers 

If you play games on your computer, the controls you use are likely to be mostly keyboard-based. You might also use the mouse, but keyboards are often best for multiple commands in quick succession. The mouse is reserved for slower simulations and sandbox games. If you want a keyboard upgrade, recommends a mechanical keyboard. They're more responsive so you can react faster and with more accuracy. When you use a mechanical keyboard, you often get a much more tactile experience, making you feel more connected to your game. It's worth investing in one if you're a serious gamer. 

For Console Gamers 

Like any gamer, those who play on consoles range from casual gamers who do it to relax all the way up to serious people who take part in tournaments. Like computer games, you might be looking for more control and accuracy. One tip is to try leaving the original console controllers behind and try another brand like Kontrol Freek. There are different controllers for different types of game, including racing, shooters, and classic games. Apart from controllers, you might consider investing in multiple monitors or getting a great headset, which can be particularly good for multiplayer games. 

Adding Ease To Your Finances

Money has been a part of society for a very long time. Since the earliest civilizations, finance has been a very important part of life for a lot of people. Of course, nowadays, this resource is more important than ever, and most people can’t live without it. When it comes to managing money, though, things like school and work always get in the way. This makes it hard to focus your time on it, while also balancing the rest of your life. To help you with this, this post will be going through some of the different ways you can start working towards adding ease to your money. 

When you have money in loads of different places, it can be hard to manage everything you have. Instead of operating this way, it’s much better to have a maximum of two accessible accounts. One of these will be your normal current account, and the other will be a savings option. Of course, though, it’s not just where you store your money; you also have to think about debt. A lot of people end up with several loans when they are having money troubles. This can make it impossible to save or invest, while also making it hard to manage your debt. It’s best to consolidate debt until it can all be found in one place. This makes it easier to keep track of, cheaper to pay, and will also help you to understand exactly how much you owe. 

Thursday, September 07, 2017

Enjoy Life While Managing Your Finances

One big misconception is that you can't do the things you want to do when managing your finances responsibly, because, well, you're being responsible. But this isn't the case at all - quite the opposite in fact. The more responsible you are with your finances, the more money you'll have to go out and do whatever you like with. Girls night out? Fancy meal? New shoes? Vacation? - You got it! 

Here's how you can have all that while keeping your head above water. 

Don't get yourself in debt 

One of the most common money problems is getting yourself stuck in debt. You take out a harmless loan to cover the costs of something you deem important, only to end up moneyless and unable to pay off your outstanding credits. The best tip is to avoid getting sucked into this cycle altogether. But if it's too later, sites like can help you fix the issue by consolidating your debt. 

You've Got a Degree. Now What?

If you are one of the many people that graduated from college over the summer, then congratulations! It is a huge milestone to achieve. But what happens next? Your life will change quite dramatically from the four years of studying that you have been used to for so long. Part of the fun now comes from different experiences you will have that can take you onto your next goal, whatever that may be. If you’re not too sure where your life is headed in the next few months, then here are some decisions that you’ll have to make. This article could be worth a read if you’re not sure where to start. The question is, are you ready for your new stage in life? 

Which Job To Choose? 

No doubt you’ll be keen to get to work now that the summer is over. You might know exactly what kind of job you want to get into and will search for any vacancies within that. But what if you’re not too sure what you want to do? Either way, there are likely going to be job offers coming in from different roles. So which will you choose? Think about the benefits of the job for you, as well as the pay, location, and working hours. Will it get you to where you want to be next or is it just a stop gap?

Will You Go Back To Study? 

Many graduates loved studying or want to do something more specific with their career, that they then decide to do a masters and study some more. If you have a specific career or course in mind, then it can be a really beneficial for you. But if you’re just doing it for the sake of it, then it is a good idea to evaluate why you’re doing it and if it is going to be worth it for you. 

The Focus Impressed Everybody When It Launched. But Does It Pass The Test Of Time?

When you think of a small family car, what the first vehicle that comes to mind? It’s probably the Ford Focus. Ever since the car was released more than 20 years ago, it’s become a staple of our roads, proving to be exceptionally popular among working families trying to break into the middle class. In many ways, the Ford Focus was the new Mondeo of its era, as the traditional saloon declined in popularity at the end of the 1990s. Can the car still stand up in today’s much-changed market and hold its own? 


The Focus has always been a particularly good looking car. Even the original, with its relatively basic styling, beat out the competition from companies like Citroen and Renault. The Focus had a simple elegance combined with a striking design that was hard for anybody to emulate or compete against. What was more, the car looked mean and bulky. Yes, it was a hatchback, but there was somehow more to it. While you might have been pushed around on the road driving a Fiesta, people generally didn’t mess with those behind in the wheel of a Focus. It was a grown-up’s car. 

Over the years following launch, Ford did a remarkably good job at making sure that the Focus remained stylish and relevant. They didn’t want the car to go the way of the Doblo. The updated ST version of the car suddenly gave it an aesthetic many people didn’t think was possible to have on a hatch. It looked sporty and mean like it was going places. Compared to the Golf RS, the Seat Leon and the Peugeot 308, it was in its own league. 


So the looks passed the test of time. Even an original Focus from 1998 still doesn’t look out of place or particularly aged on today’s roads. But that’s not all people buy a family hatch for. They also want them to provide them with enough space for all their family activities. 

This is perhaps the biggest problem with the Focus. For all the styling and great looks, the car itself tends to lack boot space. It appears Ford was willing to sacrifice the trunk in favor of providing passengers in the cockpit with added leg and headroom. It’s a great vehicle if you want to transport five six-foot-plus men, but not particularly useful if they want to bring any luggage with them. 

Compared to competitors in the space, such as the Vauxhall Astra and the Skoda Octavia, boot space is lacking. What’s more, even though the volume of the boot is lower than rivals, the shape restricts the amount of space on offer even further. The angle of the rear seats makes it difficult to transport large, square objects, like suitcases and boxes. Of course, if you do want to open up space in the car, you can fold down the rear seats, but transporting luggage like this isn’t ideal, and not practical if you also intend to transport the entire family. 

Tuesday, September 05, 2017

The Little Gifts For Spontaneous Moments Of Romance

It’s one thing to treat your partner on a special occasion, but sometimes it’s small off the cuff gestures that make the biggest impact. After all, there’s nothing like being spoilt with a surprise showing of love and affection. 

Those surprises don’t have to break the bank. Here are just five winning options that are sure to leave your significant other wondering what he did to get so lucky with you. 

A Romantic Meal 

The simple things in life are often the greatest, and they don’t come any better than a romantic meal for two. You can grab hundreds of fantastic recipes online. Meanwhile, a drop of Kikori whiskey is sure to provide the perfect accompaniment following the meal itself. 

For a truly wonderful surprise, make sure that you take care of the washing up too. Even if it means doing it the following morning. It might be one of the simplest ideas in the book, but it will have a truly brilliant impact. 

Physical Music 

We live in a world dominated by streaming services, meaning that most products we buy are digital copies. Treating your man to a physical version of his favorite album can produce a reaction that he probably hasn’t felt in years. 

Vinyl has seen a comeback in recent times, but CDs are still a great media type too. Either way, the thought behind the present will not go undervalued. If you have a little extra money, sourcing some memorabilia will take the gift to another level. 

Monday, September 04, 2017

Don't Go It Alone In The Digital World

We all know that even going it alone shouldn’t literally mean going it alone. Having a helping hand is essential if you want success without burnout. Yet, with more and more businesses focusing on ecommerce, we seem to be forgetting the importance of getting others on board. 

The internet, though fantastic for communication, can be a lonely place. When you’re on the computer, it may seem like you against the world. As such, you can easily fall into the trap of taking too much on your shoulders. As well as being a risk for you, this could damage your business. After all, the people you know can be the key to success. But, who is good to know online? Who can help you get a foot up? Read on to find out! 

In the website world 

For most businesses, their website is their first port of call online. So, it makes sense to consider what help is available here. The need for assistance starts straight away. Before you get going, you need a hosting company through which to operate. You won’t get far without one of these. Hosting companies like Gatorhost provide the platform on which your website operates. And, you can compare Gatorhost with other hosting companies here, to ensure you know your options. It’s worth taking your time over this choice. The hosting company will have a significant impact on the ease of your website operations. 

In a more literal sense, help could involve enlisting other companies. Getting a mention on a more popular site, for example, could bring a real boost for business. Often, mentions like these work on a ‘you scratch my back, I’ll scratch yours’ basis. So, start doing favors for others, and see where it gets you. Bear in mind that you don’t want to link to competitors. But, linking to companies which go alongside yours could work wonders. 

Income Sources And Budget Boosters You Should Be Exploring

We could all do with some money in our lives. After all, money doesn’t make you happy, but it can certainly make life easier and provide you with opportunities. There is no denying that. But yet so many of us are just stuck in the rut of working the one job, earning the one wage that remains the same month in month out, and never see any opportunity to make the change necessary to boost your income and have more money. 

But there are opportunities all around us that can become income sources and chances of boosting your disposable income and they should be explored. After all, whether they seem big or small, they all add up and can definitely improve your financial circumstances in some way. So I thought I would share with you some of the incomes sources and budget boosters you could be exploring right now. 

Small online ventures 

There are plenty of things that you could be doing in your spare time that help add to your current income. Often these are the sort of things that you could be doing in the evening, outside of working hours or even during the weekend. Here are two of the most popular ways you can do it and often the smaller amounts that you begin with build up to be a regular and resourceful income stream. 

Online surveys and mystery shopping 

There are companies, universities, and individuals who are always looking for participants to take part in online surveys about an array of subjects. You get paid for your time and what can be just ten minutes of your time regularly can build up to increase your income. Mystery shopping is another way you can add to your income. By shopping or eating in a restaurant you can have your time reimbursed as well as your receipt, giving you a double saving and income opportunity. Mystery shopping can vary and be more available in city centers, but it is definitely worth exploring online. 

Friday, September 01, 2017

You've Got Twenty Days Before You Go Bankrupt: What Do You Do?

In the West, we’ve gotten used to the idea of constantly being in debt. It wasn't always this way, but thanks to a lack of savings, low-interest rates and the pressure to keep up with the neighbors, it’s how things have turned out. 

Being in debt can put downward pressure on your credit score. But going bankrupt can be even worse. In fact, bankruptcy is equivalent to putting your hands up and saying to your creditors that you probably can’t ever pay them back - as good a reason as any for them to refuse to lend to you. 

The good news is that even if you’ve only got 20 days before you go bankrupt, there’s a lot that you can do to dig yourself out of a hole and protect your credit score. 

Reach Out To Friends And Family 

Borrowing from friends and family is usually considered a bad idea. But going bankrupt is often worse, thanks to the fact that it puts so many restrictions on your life - like not being allowed to get a mortgage or start a company. Your friends will want to know how you plan to repay them in the future, so instead of just asking, it’s a good idea to have a sort of “business plan” to show them. Give them the raw data and get them to make up their minds as to whether or not to bail you out. If you’re pursuing something that really could make you a lot of money in the future, many people will give you the benefit of the doubt. 

Negotiate With Creditors 

Believe it or not, considering bankruptcy actually gives you a lot of negotiating power with your creditors. If you declare bankruptcy, creditors will not get any of the money they’re owed, and so it’s something they want to avoid at all costs. Often they’re willing to accept partial payments if it’s clear to them that you’re not calling their bluff. 

The advice site Repair.Credit says that it’s always best to be honest about your hardship. Show your creditors that, given your current circumstances, it’s impossible for you to pay back all the money you owe. Often you’re able to negotiate lower interest rates or a reduction in the principal. Some creditors may even write off a loan if you’ve paid sufficient money back in interest. 

Thursday, August 31, 2017

Show Me The Money: The Link Between Health And Finances

According to the saying, money makes the world go wrong, and it isn’t hard to see why. From the house a person lives into the friends they make, money affects every aspect of an individual’s life. Yes, that includes health, too. 

Most people don’t know that a link between a person’s well-being and finances exist, but it is there for all to see. Basic figures from an Associated Press study show that 27% of high-stress debtors had health issues, such as ulcers. 

The simple fact is, the more money you have, the better your health. So, how does someone with a low-income battle the inevitable? Take a look at the following for more. 

High-Stress Levels 

You might not know it, but there is such a thing as positive stress. It is the type of stress which pushes a person to work harder, faster, and longer when the pressure is on. Unfortunately, the majority of tension is negative as it revolves around emotions such as worry and panic. For instance, you are frightened because the credit card bill is due and the money isn’t in the account. The key is to tackle debts to lower stress levels, which sounds easier to say than do. However, it is possible with advice from Consolidating debts will help to reduce the monthly payments and prevent panic at the beginning of each month.

Wednesday, August 30, 2017

Shrug Off The Black Cat So Financial Creditors Don't Sidestep You

Image is everything when it comes to credibility. Too many banks and businesses, you’re just a name and a sort code on a piece of paper. That is until when they search up your financial profile, and the fine details about your history become apparent to them. If you want to move forward in your life and a brief and unfortunate spell of debt, it can feel like you’re climbing up a mountain side. Everyone at one time or another will fall on hard times and their finances become embroiled in a whirlwind of mounting debt, increasing interest rates, late payments, and sometimes, collateral terminations being activated. So how can you go back onto the road of recovery and fix damaged relationships, to the point where you’re seen as trustworthy again by financial systems? There are certainly a few golden rules you can follow. 

A subtle rebuild 

Having a tarnished image is something that can make you feel ashamed. However, you shouldn’t let this stop you. You can subtly build back up the trust of banks and other financial companies like loan specialists, simply by staying under the radar. Make sure all your payments are made on time, and any late payments are relayed to those you owe, well ahead of time. You can also find solace by writing to anyone or entity with a computer-typed or handwritten letter, explaining why you may be late with a particular payment, whether it be for your mortgage, a loan or even just a monthly phone contract payment. 

Have respect speak for you 

Sometimes it can take years and years to finally get back up the ladder, on the lists of lenders and banks before they can trust you again. Even if you’re running a clean sheet, and are in a much better place financially, so you can make payments to anyone you owe on time, and without fail, your relativity is still in question. To smash away any reason for hesitation, look at something like the On such a website, you can flip through all the credit restore specialists, that can, on your behalf speak directly to creditors. They can write letters of good faith, and use their expert knowledge of the financial law to bring your image out of the dark and into the light. They can find any legal loopholes, and bring your credit score back up to health for you. 

Everything You'll Need In Your Startup's First 24 Hours

So, you’ve had your idea for a startup for a long time now, and you have finally finished bringing this idea into the reality. And now the big day has come - it’s time to put your new business out there into the big wide world! 

Even if you have been meticulously planning this launch for some time, you probably haven’t taken too much time to consider those all-important 24 hours. Thought you could simply launch the business and then return to it whenever you want? I’m afraid not! You need to be there in its first 24 hours to ensure the launch goes as smoothly as possible. Here are some things that will also aid those first initial hours. 

Nerves Of Steel 

Now is the time you have been building up to for quite a while. So, it’s important that it all goes to plan. This will be a very nerve wracking time, so it is important that you have nerves of steel to get through this first day. If you are super nervous, you will be quite likely to rush some parts of your launch and might even be more likely to make some very misjudged decisions. Keep a cool head and remember to take plenty of deep breaths, so you don’t start to stress out and panic! 

Plenty Of Capital 

Even though you might have already had to spend quite a bit of cash on setting up your company, you might still need to dig deep on your first day of business. So, it’s a good idea to source some extra investment from the likes of Capital Alliance or ensure you have plenty of savings in your bank account to fund any last minute purchases. 

3 Ways to Protect Your Horse from Boredom

Owning a horse is a tremendous responsibility. Not only do these animals live very long lives, they also require a considerable amount of care and upkeep. Anyone thinking about horse ownership should be aware that grooming, feeding and exercising these animals can eat up a substantial chunk of time. In addition to keeping your horse groomed and nourished, you’ll also need to keep it entertained. When faced with boredom, horses become temperamental and lethargic, so it behooves caregivers to provide them with sufficient stimulation. 

1. Provide Grazing Material

Horses are natural grazers. This means that in addition to their daily grain, they should be given hay or pasture grass to chew on throughout the day. This is particularly important for horses who spend most of their time in stables. Not only will this go a long way in preventing boredom, it will also ensure that your animal is consistently nourished. 

2. Exercise Your Horse 

Like any animal, horses require regular exercise. Unsurprisingly, spending one’s days in a stable can quickly become boring and tedious. Furthermore, remaining stationary all day isn’t good for your horse’s demeanor or physical well being. With this in mind, make sure your horse is exercised on a daily basis. Whether this means riding it, taking it for walks – or both – it’s imperative that the animal engage in some form of physical activity each day.By extension, purchasing comprehensive horse insurance is another great way to ensure your horse’s physical well being. 

Tuesday, August 29, 2017

Finding Peace Of Mind During Money Troubles

One of the biggest things that people find hard to cope with during financial crises and times of money worries is that they get incredibly stressed out. They lose their peace of mind, and this starts to cloud their judgment. In some cases, this clouded judgment often leads them to make some bad decisions which can make their financial situation a lot worse than what it already is. So, how do you keep your peace of mind while your finances are in a mess? It isn’t as big a challenge as you might think. In fact, following these tips will be able to help you. 

Accept All Your Responsibilities 

It is important that you accept that you alone are responsible for your money and financial situation. Once you do accept your responsibilities, you can then accept that you have a situation that needs dealing with. It is also necessary to accept that your money problems won’t simply disappear. But it is also important to accept that there will sometimes be factors outside our control that we need to adapt to. For example, if some of your investments aren’t doing particularly well, it is your responsibility to move the money into some better performing investments rather than leave it to slump. 

Thursday, August 24, 2017

Follow These Steps When You've Come Up With A Business Idea

You may be tricked into thinking that coming up with an idea is the hardest part of running a business. On the contrary, it might just be the easiest. It’s the steps that follow the inception of an idea that is incredibly important and must be thought through properly. 

It’s surprising how many people don’t know the proper things to do when they’ve got an idea. As a result, I’ve made a note of a few steps you need to follow if you want to ensure your idea is a success: 
Protect Your Idea 

The first thing you want to do is protect your business idea. You will see in the following steps that you need to tell people about your idea. However, if you haven’t protected it, there’s nothing stopping someone from stealing the idea and making it theirs. Thankfully, as it shows here, there are plenty of ways you can protect your idea and ensure it doesn’t get stolen. 

Understanding And Debugging Your Family Crisis In 3 Steps

Nobody is safe of a family crisis situation. Unfortunately, even if you’ve got a happy family, troubles can still occur and pull you apart. In this trial and error process, it’s good to know that there are ways to help you to deal with the outside and inside factors that are against you. From working with a family attorney to teaching your child about the dangers of crossing the road, there are a lot of resources available to new parents to make the most of their families. But when you’re facing a crisis situation you might feel too overwhelmed to take the right decision. What is right for your family may not be the same than what is right for your neighbors’. But more importantly, how can you keep a cool head to go through a crisis and make it still work? That’s exactly why you need a three-step method to guide you to the right solution. 

Financial: The family growth and comfort 

Financial matters are stressful, but they often present the easiest kind of crisis. When the family grows or needs additional comfort, you are faced with one simple issue: You need to buy more. Your options are varied, depending on your needs. If you are looking for a family car, offers a list of accessible loans to purchase a bigger vehicle. For home renovation project, you can divide your budget between DIY works, which will take time but reduce costs, and getting a discounted home improvement loan from governmental authorities and councils. When it comes to getting the home ready for a baby, you will be surprised by the number of charities that are designed to provide quality second-hand equipment. 

The Metrics Every Business Needs to Track

As an entrepreneur, if you want to take your business to the next level, the one thing that you must do is collect and analyze a wider range of data that you and your customers generate, specifically these metrics: 

Sales Revenue 

It’s obvious, but as a business owner, you need to keep track of the money you make and where you make it. It only by doing this that you can determine what is working for your business, in terms of products, commercials, marketing campaigns and sales, and what isn’t benefiting your bottom line, so that you can make any necessary changes to boost your profits.

Customer Retention and Loyalty 

Using surveys and business analytics trackers to keep track of your customer retention and loyalty levels is a great way of pinpointing what you’re doing right and what needs to improve. Surveys, in particular, are great for finding out what your customers really think and what they would like to see from you so that you can make changes to keep them coming back for more. 

The Cost of Acquiring Customers 

Measuring the total cost of bringing a customer to you by adding up your marketing and sales costs and dividing that by the number of customers you’ve acquired over a given period is important if you want to be able to keep track of your budget and spend your money on the right things that really matter. You might find that your investments aren’t really paying off for you, and you might need to try new techniques to bring people in. 

Wednesday, August 23, 2017

Be Sure You Know How To Deal With A Family Crisis

It’s a myth that good families don’t have any troubles. It’s also a myth that life will be perfect once you settle down. We have our ups and downs, but sometimes that downs can be a lot more serious than usual. What do we do when the going gets really rough? 

It’s a trial and error process usually, and we all have our own ways of coping. But if you have no clue where to start, here are a few tips on coping with family crises that can be both in and out of your control. 

When the outside world works against you 

Where you come from is a big influence on whether or not you and your family will have a privileged life. Knowing how laws can affect people, one big way the outside world can work against the safety and security of a family unit is through the threat of deportation. Even when the law works against you, it can also work in your favour. An immigration attorney can help your family if it comes to drastic measures necessary to keep your family together. 

From Hobby To Career: Taking That Leap of Faith

More than ever, people are starting their own businesses and working from home. But it turns out that around half of the people that work for themselves, started out with something as a hobby, that they then pursued to make it their career. Having the flexibility of your time and finances is a dream for many people. But if you’re thinking of taking the leap from hobby to career, here are some things to think about. Will it be worth it for you? 

Learn How To Run a Business 

Even if you know your hobby inside out, there are still many things about running a business that you will need to learn. Do you know how to file a tax return or what business expenses can be tax deductible? Do you know what insurance your business might need or are there any plans in place if you need to offer a refund to a customer? Taking the leap will be a big learning curve. So start early to learn all that you can. 

Tuesday, August 22, 2017

Serious About Photography? Top Tips To Think About

Photography has grown in popularity in recent years. There have been many reasons why but with the introduction of social media, especially visual platforms like Instagram, it’s now more potent than ever to take fantastic pictures of your life and your daily activities. From the food, you are eating in a restaurant to tag them into a review to sharing snaps of your family. However, many people are loving taking pictures and hoping to improve. It might be for personal use, or maybe professional with a business or a blog that you have. Which is why I thought I would share with you some of the top tips to help you improve your photography skills. 

Take a course to build on your current skill levels 

We all will have different and varying skills when it comes to taking pictures. Some of us will have an eye for the detail, others will be a little unsure on the best lighting or how to capture the perfect shot. Others are patient and will snap away for ages, some people just try their luck with the one snap and hope for the best. But one thing every budding photographer has in common is the eagerness to improve the skills you have. That’s why a photography course for beginners could be the perfect step to taking your photography very seriously. Many of these courses cover things like using the camera on a manual setting, and the details we could all be a little more knowledgeable about. The truth is, there is so much more to taking a picture. The light, the angle, the aperture, the contract, they are all things that help to create the perfect snapshot you have envisioned in your mind. 

Friday, August 18, 2017

Beyond Netflix: 5 Alternative Platforms For Next Gen TV Binges

Despite being dealt the blow of Disney’s decision to go solo, the success of Netflix is simply incredible. Millions of viewers now use the platform on a daily basis, and there’s no question that it’s better than being stuck to the schedules.

Still, it doesn’t have to boast a monopoly on your viewing experiences. Here are five other options the satisfy the needs of a modern viewer.

#1. On Demand Services 

Many broadcasters now make their shows available for streaming and downloads. This means you can watch your favorite shows at a time to suit you. However, these services aren’t limited to normal TV channels. Sports fans can sign up for products like the UFC Pass, which essentially offers access to premium content for a monthly fee. If you’re into live events rather than films, it can be a far better option than Netflix. In most cases, those broadcasts can be viewed across multiple devices. 


Netflix is simply brilliant in many different genres. Then again, it is catered towards universal audiences rather than niche markets. Frankly, animated comedies are one of the areas where it is a little lacking. offers shows like One Punch Man, which will feed your thirst for animated comedies that come at the genre from a unique angle. Better still, you’ll be discovering programming that can then be introduced to friends and family. Let’s face it; when you ask if they’ve seen the latest Netflix show, the answer is always yes. 

Wednesday, August 09, 2017

Living Luxe: Here's How To Get The Home Of Your Dreams

Home is the most important place in the world, and a beautiful place to live can benefit your life in so many ways. Whether you have a bit more to spend or just want to make the most of your current place, here are a few ways you can enjoy a more luxurious abode. 

Find a Beautiful Home 

While you can kit out any home to make it luxurious, if you really want a taste of luxury living then it makes sense to find a beautiful home, to begin with. Apartment complexes like Crystal Lake Living are like little communities, whether you want to live lakefront, by the beach or in a city these kinds of gated communities offer stunning little sanctuaries to live,

Think About Structure and Layout 

Even the loveliest home in the world might not be exactly right for you inside. Thankfully there are plenty of ways you can transform a property to be exactly what you want. Pulling down internal walls downstairs, for example, will not only give you a more luxurious, modern open plan space but could also fit better with your lifestyle. If you entertain guests a lot, it means you can cook and carry on the conversation without being stuck in the kitchen all night. You could add an extension, renovate the loft or basement or rejig some of the walls upstairs to create a walk in wardrobe, en-suite, create more bedrooms or reduce the number of bedrooms but make them bigger in the process. Renovating can add a lot of value to your property and also means it can be fully customized to your life and what you want.