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Make Money Tip Number 8 – Blogging

Blogging is by far the easiest way to get started attracting visitors into your autoresponder marketing funnel (fully explained in previous tips). What we now need to discuss is how to get surfers to your blog. As you might guess, there are many ways to do it.

But first you need to get some decent content up on that blog. So set yourself a goal to post one article per day to your blog – each and every day until you begin to se results. Now you need to do more than this, but the first point is: make sure you keep blogging!

Now as I said, there is more to it than just blogging. You also need to get inbound links to your blog. Why? Because with enough inbound links, Google will assign a certain value to your site (technically known as Page Rank); and then she will start sending you visitors (traffic). So how can you get inbound links? Again, there are many ways: you can buy them; you can submit articles to directories including a link to your blog; you can use links within your fourm signatures.

No matter which method you choose, just continue to build links. If you will do those two simple things: submit original, well-written content to your blog and build links – each and every day – then your traffic will slowly build over time. And you know what happens to your traffic don’t you? Let me quickly remind you: unblockable pop-up – sign-in – course – offers – sales (see previous tips).

To summarise, this tip concerns blogging – the easiest way to generate traffic. You need to write and build links – just those two simple things. If you have everything set up in the way we discussed in previous tips, you cannot fail to make money. You can get better at it, of course, but this method will get you going.

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How to Get Used Car Finance

Many financial institutions are now offering used car finance. Before anyone can go out looking for a deal, it is important to understand what this type of finance entails. Generally, there are two types of financing offered by financial institutions in this area. First, there is the unsecured finance and the secured finance, which uses the car as collateral. The financing is usually offered with a repayment period of five to seven years. However, the term can be shortened depending on the age of the car you are purchasing. Actually most financial institutions do not offer financing for cars, which are older than seven years.

Why finance the purchase of on old car?
It can be a good option to go for an old car if the new one is out of reach in terms of the price with relation to your income. It might also be a wise decision to buy a used car in order to save your self from the automatic depreciation that occurs once you get the vehicle from the dealership. In all these cases, you will need financing, as the cost of the cars is usually high that most of us have in cash.

When you want to finance the purchase of an old car, you still need to go through the formalities of a normal loan. This means there are certain areas you need to work on. First, you have to check the status of your credit score. Credit scores can be easily obtained online once per year free. This will make it easier for you to know your score before approaching the lender. The next step is to know how much money is required as down payment. The more you can avail, as down payment will result in higher savings on the loan’s interest. Finally, you will need to check the interest rates offered by different financial institutions. Lower interest rates will results in huge savings in the long-term.

Comparing different used car finance option
There are different lenders offering used car financing out there. All these have different policies and finance packages. It is important to compare different financiers in order to get the cheapest option. There are many ways, which you can use to compare used car finance. However, the easiest and most accessible way is through comparison websites such as Get Approved Finance or E-Car Finance.

The comparison websites usually look at different options provided by different institutions taking into consideration the loan repayment time, the duration it will take before approval, interest rate, loan terms and loan company fees. They will also establish if you get fee breaks if you are able to complete payment early. All these factors are very hard to compare on your own. Finally, the comparison websites provide you with information on all the extras offered with the loan such as car insurance, disability, unemployment and death credit protection. This will ensure that you have the best, used car finance option without considering the interest rates only.

Saving Money Tips – Try and Use Less

How much money could we all save if we just tried to use a little less? This sounds quite funny doesn’t it “try and use less”. Less what? Well that is entirely up to you. Let’s look at this statement now and see how this money saving tip can apply to our lives.

Bathroom

Toothpaste – how excessive are you with your toothpaste? Instead of running the tube down the entire length of your brush, only take it half or three quarters of the way.

Shampoo & Conditioner – can you use a fraction less and keep a couple of drops for next time?

Hand Soap – are you using excessive amounts when you wash your hands? I know it smells and feels good, but can your hands get clean with a little bit less?

Body Wash / Soap – are you drowning your flannel / body brush / washer with liquid wash / soap which is mostly going down the drain?

Water – how long are your showers? Do you brush your teeth with the tap running? Do you have the tap running full bore when you wash your hands. Try and be aware of this precious resource and try and ease back on how much water you use.

Shaving Cream – do you love to plaster your face in shaving cream. Can you put on a little less and still achieve that nice close clean cut look?

Bubble Bath – do you have bubbles almost up to the ceiling only to have them flow all over the floor when you climb into the bath? Try squeezing a little less into your bath next time.

Toilet Paper – whether you are a ‘Folder’ or a ‘Scruncher’ can you leave a couple of squares back on the roll for another time? It is easy to just keep pulling off yards and yards of toilet paper, but do you really need that much?

Kitchen

Washing Up Liquid – can you get away with a lighter squirt? Are you just filling your sink up with unnecessary bubbles?

Cooking Ingredients – do you really need a full cup of this or level table spoon of that in your cooking? Can you get away with eking these products a bit further by trimming down a little on some of your ingredients?

Water – do you rinse your vegetables under a running tap? Do you fill the sink to the brim when you do your washing up? Can you use alternatives such as a washing up bowl to allow you to use less water?

Laundry

Washing Powder / Washing Liquid – Are you using no more than the recommended guide for your washing machine size? Are you cutting back according to the size of the load you are washing? Why not try cutting back a bit on how much you do use?

Cleaning Products – Are there any products you use excessively that you could trim down a bit – bleach, window cleaner, furniture polish, floor cleaner, shower sprays, toilet cleaner etc. One less squirt / spray gives you a bit more for another day.

Water – do you adjust your washing machine’s water level for the size of your load? If you hand wash, do you do a number of items at the one time to save water?

Listed above are only a few suggestions to get you thinking about using less around your home. What other areas around your home can you use less? Take a few moments to think about this now.

How about your children? How conscious are you of what products they are using and to what extent? Have you taught them not to abuse products? Do they know how much toothpaste they should be putting on their brush? Do they know how much toilet paper is a good amount to use? Or are they just flushing reams of paper down the toilet and washing loads of other products down the sink?

How about other family members? How can you get them all thinking about using less this week / month? Can you put a note up on the bathroom mirror or on the fridge – “Use Less”. Would this get everyone thinking about what they are doing and help them to break any wasteful habits?

Most of the products listed above cost a lot of money and really rock the budget when you have to buy them. I have often heard people say “I was doing okay with my grocery allowance until I had to buy a stack of cleaning / bathroom products”, “I was sticking to my grocery budget but it got blown when I had to buy toilet paper, shampoo and the likes last week”. The cost of these items can really add up and push your weekly grocery bill through the roof.

By being conscious of how much you use and by trying to eke your products out a little bit further will mean you don’t have to buy them as often. For example, if you are currently getting 30 washes from your box of washing powder but could eke that out to get 36 washes, then you have saved yourself about $1.50 of washing powder and stalled having to buy powder for another fortnight.

Give it a go and see where you and your family can use less and start to save yourselves some well earned money.

Sources of Business Finance

Sources of business finance can be studied under the following heads:

(1) Short Term Finance:

Short-term finance is needed to fulfill the current needs of business. The current needs may include payment of taxes, salaries or wages, repair expenses, payment to creditor etc. The need for short term finance arises because sales revenues and purchase payments are not perfectly same at all the time. Sometimes sales can be low as compared to purchases. Further sales may be on credit while purchases are on cash. So short term finance is needed to match these disequilibrium.

Sources of short term finance are as follows:

(i) Bank Overdraft: Bank overdraft is very widely used source of business finance. Under this client can draw certain sum of money over and above his original account balance. Thus it is easier for the businessman to meet short term unexpected expenses.

(ii) Bill Discounting: Bills of exchange can be discounted at the banks. This provides cash to the holder of the bill which can be used to finance immediate needs.

(iii) Advances from Customers: Advances are primarily demanded and received for the confirmation of orders However, these are also used as source of financing the operations necessary to execute the job order.

(iv) Installment Purchases: Purchasing on installment gives more time to make payments. The deferred payments are used as a source of financing small expenses which are to be paid immediately.

(v) Bill of Lading: Bill of lading and other export and import documents are used as a guarantee to take loan from banks and that loan amount can be used as finance for a short time period.

(vi) Financial Institutions: Different financial institutions also help businessmen to get out of financial difficulties by providing short-term loans. Certain co-operative societies can arrange short term financial assistance for businessmen.

(vii) Trade Credit: It is the usual practice of the businessmen to buy raw material, store and spares on credit. Such transactions result in increasing accounts payable of the business which are to be paid after a certain time period. Goods are sold on cash and payment is made after 30, 60, or 90 days. This allows some freedom to businessmen in meeting financial difficulties.

(2) Medium Term Finance:

This finance is required to meet the medium term (1-5 years) requirements of the business. Such finances are basically required for the balancing, modernization and replacement of machinery and plant. These are also needed for re-engineering of the organization. They aid the management in completing medium term capital projects within planned time. Following are the sources of medium term finance:

(i) Commercial Banks: Commercial banks are the major source of medium term finance. They provide loans for different time-period against appropriate securities. At the termination of terms the loan can be re-negotiated, if required.

(ii) Hire Purchase: Hire purchase means buying on installments. It allows the business house to have the required goods with payments to be made in future in agreed installment. Needless to say that some interest is always charged on outstanding amount.

(iii) Financial Institutions: Several financial institutions such as SME Bank, Industrial Development Bank, etc., also provide medium and long-term finances. Besides providing finance they also provide technical and managerial assistance on different matters.

(iv) Debentures and TFCs: Debentures and TFCs (Terms Finance Certificates) are also used as a source of medium term finances. Debentures is an acknowledgement of loan from the company. It can be of any duration as agreed among the parties. The debenture holder enjoys return at a fixed rate of interest. Under Islamic mode of financing debentures has been replaced by TFCs.

(v) Insurance Companies: Insurance companies have a large pool of funds contributed by their policy holders. Insurance companies grant loans and make investments out of this pool. Such loans are the source of medium term financing for various businesses.

(3) Long Term Finance:

Long term finances are those that are required on permanent basis or for more than five years tenure. They are basically desired to meet structural changes in business or for heavy modernization expenses. These are also needed to initiate a new business plan or for a long term developmental projects. Following are its sources:

(i) Equity Shares: This method is most widely used all over the world to raise long term finance. Equity shares are subscribed by public to generate the capital base of a large scale business. The equity share holders shares the profit and loss of the business. This method is safe and secured, in a sense that amount once received is only paid back at the time of wounding up of the company.

(ii) Retained Earnings: Retained earnings are the reserves which are generated from the excess profits. In times of need they can be used to finance the business project. This is also called ploughing back of profits.

(iii) Leasing: Leasing is also a source of long term finance. With the help of leasing, new equipment can be acquired without any heavy outflow of cash.

(iv) Financial Institutions: Different financial institutions such as former PICIC also provide long term loans to business houses.

(v) Debentures: Debentures and Participation Term Certificates are also used as a source of long term financing.

Conclusion:

These are various sources of finance. In fact there is no hard and fast rule to differentiate among short and medium term sources or medium and long term sources. A source for example commercial bank can provide both a short term or a long term loan according to the needs of client. However, all these sources are frequently used in the modern business world for raising finances.

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