Lead You To The Authentic Zone Of Money Transfer

If you have an international business and you have to move to many countries for the purpose it is the urgent requirement to find a reliable and efficient money transfer service. Business with any other country will require a resourceful money transfer. This transfer should be fast efficient and safe. Your trade shouldn’t be forced by the variation in exchange rates either. For all these reasons, it is prudent to take the assistance of International money transfer Services available. It will be better to find the reputed and quality one on the internet. It is an internet era and you get different types of information on the internet.
Process Involved
This service helps you find a provider that you are comfortable with. After you decide on the money exchange provider you will need to complete some forms. Once you have established contact, you will be informed about the rules, terms and conditions involved with a deal. Finally, you will be asked to complete some forms to set up your account. You can fix a standard rate for your exchange as well. The whole process is hassle free and once you learn how to go about it, the upcoming transactions will be smooth, effortless and quick.
Exchange Rates
When you wish the inexpensive currency transfer to be done, you should be careful about the rate you choose. With large amount of money a little change can make a big variation for your commerce. When you transfer your money to a bank, they will transfer it at a great exchange rate that you are happy with on the day you have mentioned. Exchange rates promised may differ between agencies that are why you should be careful while choosing one.
Staying in the circle
Most good free currency transfer companies will make sure you are kept in the circle about where your money is. When the transaction is being made, you will be sent a verification message and sometimes even a message. You will be consulted before and after the deal, which assures that nothing can go wrong with the deal. This feature gives you more control over your money.
Expediency and safety
Foreign Exchange is a very expedient way of sending money across countries. When you choose a reliable company, along with good customer service, you will also safer transferring your money. This service is as useful for the common man as it is for businesses. Having an overseas exchange agent working for you is an immense way of saving money. In some websites, you get to check the exchanging rates promised before you sign in to transfer money. This makes it easy for you to select the best in the record.
Currency Exchange near me, this thought is quite wise and intelligent as there is lower risk for the safety of your cash. If you are in Adelaide, you can find a good currency exchange company that has a strong team for a powerful deal of money transaction. A reputed and trustworthy company always offers the better rates and a higher security.

Top 5 Benefits Annuities Can Bring Except The Lifetime Income

Earning a consistent income in their retirement life is a major concern for the seniors approaching their retirement and many of them invest in different annuity insurance plans. These annuities help the insured to receive a guaranteed income for life protects from the fear of outliving their savings. Also, if a senior couple hasn’t saved enough or doesn’t have someone to support after their retirement, these policies help greatly to take care of their daily expenses and maintain a better lifestyle. However, the majority of seniors isn’t aware of all the benefits an annuity can bring. Most of them buy an annuity solely to receive a guaranteed income in their retirement life but the annuities have a lot to offer. Here, we are going to explain five more benefits of a retirement annuity plan that you might not be knowing.

Benefit to your loved ones

At times, seniors pay a long series of premiums to earn them back during their retirement but die at an early age without receiving the complete benefits. Many seniors die soon after their retirement and insurance providers keep their share of investment with themselves. But, the new additional feature allows transferring the benefits to the beneficiaries, if the insured dies early. Along with the immediate annuity plan, you can choose a guaranteed period of 10-20 years that are calculated since the time you start receiving the payments. If you opt for a 20-year guaranteed period with the annuities, your insurer will provide a series of payments for exact 20 years. You can name your spouse or kids as the beneficiary and they will receive the benefits for rest of the period, in case you die early.

Tax deferral on earnings

Most of the investments are applicable for state and federal taxes, but the investments such as interests, annuities, dividends and capital gains earn a tax-deferred status. These investments are tax-free until you withdraw the accumulated amount. The tax-deferral is similar to 401(k)s and IRAs, but there isn’t any limit on the amount and you can put any amount into the annuities that you assume enough to spend your retirement comfortably. Moreover, the minimum withdrawal criteria have more flexibility than that of to 401(k)s and IRAs.

Tax-free investment transfers

Market performs differently at a different time and an investment performing strong today may perform poorly after a certain period. Hence, investors keep transferring their investment amount form one to another fund and there are financial advisors to help with the same. Usually, these investment transfers or rebalancing are applicable for taxes but the annuity retirement plan has no such tax consequences. That means, you can rebalance your investments as per your financial advisor’s suggestion and you won’t have to pay any taxes on that.

Protection from lenders

People take different types of loans to match a better lifestyle and pay the due amount in installments. At times, people reach a stage where they only have the money enough to take care of their fundamental requirements and aren’t able to pay the loan installments. In such cases, if the lender files a lawsuit, they may lose the return on the investments made. Annuities insurance policies also help protect your investment return even if you can’t make the installments. Usually, the premiums you have made to your insurance provider, belongs to them and there are laws that restrict that money to be accessed by the lenders.

Variety of investment options

Insurers help the investors with a range of annuity options at retirement including the fixed and variable one. The first one credits a certain rate of interest on the amount you deposit while with the later, your money is invested in the stock or bonds like mutual funds and provide a return based on the market performance. Also, various insurance providers have introduced different types of floors that set a limit by which your investment value may not fall further. That means, if you have invested in a variable annuity, you return won’t fall below a certain value, despite the fluctuations in the market.

Debt-Proof Your Christmas by Mary Hunt – Personal Finance Book Review

Late Thanksgiving Day recently joined Black Friday and Cyber Monday as part of the early buying frenzy for the holidays. As November dawns, holiday advertising is already appearing online, on television, and in print.

Before getting caught up in the commercialism of the season, take time to remember the true meaning of the holidays. They represent a time for rest, reflection, and joy.

Personal Finance author, Mary Hunt offers, an excellent balance between meaning and merchandise in her book, “Debt-Proof Your Christmas,” developed out of her own story of incurring holiday shopping debt more than 20 years ago.

Hunt acknowledges that there is no one-size-fits-all solution to celebrating the holidays, as she shows readers how to have an all-cash Christmas and avoid the bills that soon follow in January. Gift giving, holiday entertaining, and dressing the house are among the many topics she covers.

It’s imperative that you prepare and plan for the holidays to avoid accumulating seasonal debt. The best separator to deter becoming emotionally overdrawn into the holidays is time. “While you are not involved emotionally is the time you can think the most rationally.”

Hunt’s noteworthy holiday-celebrating thoughts include:

Attitude. “How you celebrate and how you pay for Christmas holidays are completely in your control if you make that choice,” Hunt says.

Courage. You may be single, a childless couple, or financially challenged, and part of a large family, expected to buy gifts for every relative. The solution is to develop courage to give as you want, not out of guilt or expectation. Spend what you can on what you desire, not what others say you must. Get creative with gift giving.

Cash in envelopes. Set an amount you’ll spend on each gift recipient, and place that cash in an envelope. When the money’s gone it’s gone and so is gift buying for that person.

Use cash and you’ll be a more disciplined shopper, compelled to find the best bargains.

Gift cards. The surge in gift card giving in recent years prompts Hunt to emphasize that they’re not the same as cash, but instead, specific store credit subject to that store’s rules and policies. Hunt’s gift-card giving advice includes:

Give a gift card when it tops the recipient’s wish list, not out of your own convenience.
Realize that many gift cards start losing value as soon as six months after activation.
Avoid giving gift cards to children, because they’re too abstract. Give cash instead.

Outlet stores. Outlets have morphed into their own kind of commercial experience, requiring savvy shopping. Hunt’s outlet shopping tips include:

Wait for the big sales. Outlets follow the same schedule as regular stores, with the best bargains around major holidays.
Ask sales associates if the merchandise is first quality, name brand, or lower quality made specifically for the outlet.
Inquire about out-of- season merchandise housed in the back of the store available for rock-bottom prices.

Family traditions. Traditions give families assurance that even in uncertain times, amidst a changing world, there are some things they can count on to stay the same.

One suggested tradition is to collect twenty-four books that align with your family’s values and beliefs for the holidays. Wrap the books, and beginning December 1, let your children select and open one book before bedtime and then read it together.

Hunt polled readers for their favorite holiday books (Christmas and Hanukkah) and lists the most popular twenty-four titles.

Readers of Hunt’s website share their inspiring stories of how they personalized their holiday celebrations.

One family started a memories box, encouraging members to contribute thoughts about the past year, and hopes for the future during the holidays. Each Christmas Eve relatives open the box and reflect upon their previous entries.

Debt-Proof Your Christmas features a treasure chest of holiday-enhancing websites, including an organization that distributes gifts to children in desperate situations around the world, and a no-frills site allowing you to bid on unclaimed items in the stolen property rooms of police stations.

Hunt advises on holiday tipping and charitable contributions. “The most reputable charities spend no more for administrative costs than twenty-five cents from each dollar donated.”

If you’re inspired by affirmations, Hunt offers nine to help you avoid holiday debt, including, “I will keep an eye on December 26, when I intend to wake up knowing Christmas is paid in full.”

Debt-Proof Your Christmas will reign as your year-round reference to achieve a meaningful, debt-free holiday season. Discover Hunt’s tips now to jumpstart your ability to experience an all-cash Christmas this year.

Holiday Plan – Do You Have One?

Jewel of the Month: Sapphire

Sapphire belongs to the corundum family and obtains its color from iron and titanium. The name sapphire comes from the Sanskrit word ‘Sani” meaning Saturn and was considered to be the stone of Saturn in the old cultures of Europe and India. Sapphire energizes the brow chakra (6th) and allows us to see old patterns that are no longer useful in our lives. When we align with Sapphire we are able to look at our own lives in a critical way and toss out everything that does not stand up to scrutiny. With Sapphire energy our intentions will become so clear that both thoughts and ideas will be realized very rapidly. Sapphire encourages processes to maintain health and well being through a mental decision to stay balanced and healthy.

Monthly Jewel:

The holidays are upon us and it is a great time for sharing and caring. Many festivities, parties, and family gatherings take place from now until after the New Year. And of course as the fun abounds, so does the spending and the temptation for overindulgence with tasty feasts and treats.

The average American gains 5 to 8 pounds over the holidays and for most of us it doesn’t seem to come off as fast as it goes on, especially in the winter months when we are less active. It is not necessary to buy into it these statistics, you have a choice. Get a plan together and follow it. Let go of limiting beliefs around food and the holidays.

There are many programs that are sponsored by companies and health clubs to give you incentive to maintain your weight over the holidays such as “Maintain Don’t Gain”, “Project Zero”, “Race to Waist” and “The Sugarplum Challenge”. Join the fun and get involved with one of these fun projects to help you maintain your weight over the holidays.

The holidays provide us with many opportunities to test our dietary and financial will power. To keep our spending and our weight in check there are four steps that are essential to creating a holiday eating and spending plan.

1- Start with your intention. What do you want to happen over the holidays? Do you want to maintain your current weight (the holidays are not the best time for weight loss goals)? Do you want to stick to your financial budget or holiday financial forecast? Write your intention down, paint it, draw it, whatever you need to do that will remind you off your goal and post it where you will see it everyday. State your intention in the positive and in present moment such as, “I am grateful and energized that I am eating a healthy amount of healthy of foods to sustain optimal health and maintain my current weight during the holidays.” “I am excited and grateful that I am staying within my financial spending plan as I shop for gifts to share with those that I care about”. Say it first thing in the morning and visualize so that it has a mental impression at the beginning of your day, and repeat it again and visualize before bed. Repeat your intention several times a day like a mantra.

2- Make a plan to deal with both the expected and unexpected. Plan to take very small portions on Thanksgiving. Chew your food slowly and savor every bite. Eat consciously, paying close attention to the way the food feels in your mouth, its texture, its taste, and the affect it has on your body. Put your fork down every few minutes and take a break from eating. This allows your stomach to catch up. Stop eating when you are full even if there is food still left on your plate and regardless of any pressure from others to continue eating (including the voices in your head)!

3- Have some clothing handy which fits snugly that you can wear at least once a week. It will keep you in check. If you find your clothing is too tight, modify your eating. It’s much better than relying on a scale.

4- Track your spending. Write down everything you buy, keep the receipts and calculate your spending at the end of each day to help keep you on track.

Does Social Media Help In Getting An Auto Loan?

We live in a world dominated by technology and social media. Whether they are your shared posts, status or your connections, social media platforms play a key role in carving your virtual personality. A well-known fact is that technology is an inevitable yet an integral part of our lives. When it comes to financing your car, social media is building its way and becoming a relevant medium of profiling. For instance, John walked into a dealership to purchase and obtain financing for a car. The quickest and easiest way to search for a tentative background of John would be to get a grasp of his personality on the basis of his behavior on Facebook and Twitter account, respectively. Currently, a small percentage of lenders use social media for judging an individual’s creditworthiness. However, the developing presence of social media is gaining mind share of the lenders.

Can Social Media help in ascertaining the Creditworthiness of an individual?

1) Facebook can build your Credit Circle

The very essence of Facebook lies in networking. A creditworthy profile does not require millions of posts or many friends. However, if you have a genuine profile and do not pose any abnormal social behavior, your profile is likely to get approved for an auto loan. Additionally, the presence of certain contacts in your friend list with a clean history and a strong credit score further add to your creditworthiness. Lenders can look for mutual contacts that have been previous customers. The payment history of the mutual contact can then be used as a basis to judge your creditworthiness. In order to get the most out of your circle, seek a person with a good credit score and make him a cosigner and your auto loan process will become smooth.

2) With LinkedIn, lenders can check your Employment Stability

A stable employment speaks volumes about your personality and trustworthiness. LinkedIn can serve as the best source of obtaining information regarding your job history, duration, professional position and interests. The documentation of an auto loan requires you to display evidence of a source of income through pay stubs. However, there is less proof one can gather regarding the stability of employment. Social media can become a tool to ascertain not only if there is job-hopping, but also the financial strength of the individual. A person with a 500+ connections, long duration of employment history and a considerable profile activity can become a favorable applicant in the eyes of the lender.

Buying a Car: Making the Most of your Social Media Profile

Social media has made its way into the minds of auto buyers as well as lenders. As primary sources of guides, nothing comes above your credit score, current income status and payment history. However, virtual platforms such as Facebook and LinkedIn are starting to occupy mind share in terms of creditworthiness. Once the primary sources of information seem insufficient, lenders may turn to social media to get an idea of your personality. A few helpful ways to make sure your social media positively adds to your credit score is to be careful with your online posts, invite only genuine friends into your virtual circle and to always keep your professional profiles updated.

Sip Calculator Magnetizing The Investors Towards Online Investing

Online investing option has reached to a higher level with the introduction of SIP calculator. Making the calculation of SIP amount easy, the tool is handy to use as well. Let us understand the concept of SIP calculator with a story. There were two friends Yash and Rohan. Both had passed out college and were placed in MNCs. With the commencement of their career, they took a resolution of initiating their investment also. Yash was very trendy, and new technologies magnetized him. On the contrary, Rohan was simple and was not much of a techie. As both of them decided to invest, Yash did all the research online and also prompted Rohan to take up the online investment method. But, as for Rohan, it was not his area of expertise. So, Rohan relied on the mutual fund agent, and Yash went for online investing. When it came to deciding the amount to invest as SIP monthly both were confused. Yash took the help of an SIP calculator, and Rohan trusted the agent. But, the outcome was that Yash got the exact amount required for investment and the agent failed to calculate the precise amount and thus took an approx figure. Thus, for the same scheme Yash paid the correct amount that was required and Rohan had to pay a little more due to the inaccuracy of calculations.

The story signifies the importance of SIP calculator in the investing process, because the amount of SIP decides the corpus (the main aim of investing). Especially in the online investing the role of an SIP calculator is of vital importance. The investor advances towards being free in order to make the optimal use of their money. SIP calculator acts as a catalyst in aggravating the process investment through proper channel.

Features of an SIP calculator:-

There are a lot of features which motivates an online investor to use SIP calculator. A few amongst them are stated below:

Easy to use:

SIP calculator is an easy tool to operate on. The user-friendly approach is the striking feature of the tool. Providing an environment of smooth functioning and quick calculations, an SIP calculator in India is making online investments attain new heights with each passing day. The main reason of the increasing inclination towards online investment is the handy tool (SIP calculator), which ease out the complex calculations manifolds.

Using CAGR:

SIP calculator uses the formula of CAGR (Compound Annual Growth Rate) to calculate the returns. CAGR is the most widely accepted concept for the growth calculation of investment over a period extending one year. The calculation of CAGR is very complex and not beyond the grasping power of non-financial people. It is a mind wrecking concept and takes time to understand. But you need not worry. The CAGR calculation is simplified with the help of SIP return calculator. Paving the way for quick and easy calculations, SIP return calculator has become a defining point of online investment.

Targeting accuracy:

The goal of an SIP calculator is to provide results that are 100% accurate. But, it works on the inputs that are fed to it. Any mistake in the input data leads to an erroneous result. Otherwise, the result shows the exact and accurate outcome without the mistake of a decimal place. A perfection of that level is surely a strong feature of SIP return calculator.

Judge Some Facts Before Exchanging The Money

When you will go traveling, then you have to take the things, which you will need in that place. It is necessary because you will not get the facilities of your home there and you have to be prepared for every situation. But when the matter comes to the visiting of a foreign country, then apart from our excitement we have to think about the thing first is the money. As all of us know that there is variety in the currency of different place. So, we must take the proper currency of that place as we cannot do anything without it. There are some methods, by which you can exchange the money, like the banks, the ATMs or from some brokers.
The banks are the most reliable medium for exchanging the money. You can be assured by the fact that you will get the service authentically. They will systematically exchange the currency and you don’t have to think about it. You can also convert it from the banks of that place also. You will get the same reliable service. But as you are going to a public sector, then it will take some time and you have to wait for it. So, if you don’t have the time to wait there, then you will face difficulty by exchanging through the banks. The banks also charge high rates for converting the money, then it can be expensive for you.
You can take the money from the ATMs also. It is the most convenient medium for getting your cash, as you yourself will draw the money and you don’t have to depend on someone for this. So, you can take the money whenever you needed and it is the fastest service. But there I also the problem, as the ATMs charge a very high price for drawing the money. It will become more expensive for you as you have to pay more than the normal transaction. If you think that you will get the money at a time, then also it will not be safe for you to carry so much money to an unknown place. But with every transaction, you have to pay the charge.
When you will try to go some brokers for Cash Exchange, then it becomes easy for you as you can get the money by sitting at your home. You can do it by online and the agent will come to your home and will take the money from you and will also return it within the given time. It can be a suitable option for you as you don’t have to do anything for the exchanging the cash. But there also can be a problem as the matter is about your money, then you have to be a little careful and have to know about the broker and the agent, who will be the medium of transaction. If they are not reliable enough, then your money will not be safe enough. There is also the matter of the false currency as it has happened in the services like Australian Currency Exchange. So, be careful about every facet of exchanging your money so that you don’t have to waste your money in the wrong place.

How to Budget for Your Next Holiday

With the economic climate in such disarray, UK holidaymakers will now find that they can get more Euros for their Pound compared to recent years. With the exchange rate average in 2009 of 0.89 compared to 0.82 in 2012, tourists can get a lot more value for money now for their summer holidays. The pound is continuing to recover its value since the euro zone has weakened Europe’s group currency.

With other countries seeing a decline in tourism and many holidaymakers opting to stay at home, finding a holiday abroad tailored for you is a buyer’s market. Everyone is fighting for your business and there is no shortage of options available to you.

Now might be the time to think about saving and budgeting for next years’ summer holiday abroad. Whether it’s all-inclusive in the Caribbean, Disneyland or self-catering in the Algarve, remember it’s not just the initial outlay for the holiday itself; there are all the holiday essentials and extras which all need paying for increasing the cost of your break.

In a comprehensive personal finance application you can set a budget specifically designed for your summer holiday. Enter in all the hidden costs with a budget for travel insurance, clothes, spending money, airport parking and transfers, car hire and even sun cream! Now you have your holiday budget and you can see exactly how much this holiday is going to cost but more importantly help you prepare for it so that you can actually enjoy yourself rather than worry about the bank balance once you return home.

Setting up all your financial records in one place gives you a full picture of your finances and helps you to identify the pitfalls of your spending. Once you have a complete view of your finances and you know exactly where you stand, you can start to take charge and make a change or you may even discover that you have more disposable income for a holiday than you thought!

Many personal finance applications will allow the user to build the chart of accounts to reflect their lifestyle. If you want to be specific on your finances or if you want to keep things as simple as possible, you will be able to see instantly where you stand financially, making it really, truly, eazy. So if you’re dreaming of your next summer holiday, start making it a reality by budgeting for it.

How To Save Money On Your Two Wheeler Insurance

Tips to save money on two wheeler insurance

Many people in India own two wheelers. It is compulsory for you to buy a two-wheeler insurance policy if you own a bike or a scooter. But can you reduce the insurance expenses? Sure you can! Just follow these tips and you will see a difference.

Avoid making smaller claims: Before you make a claim, see how much the bill amount is. If it is a small amount, pay it yourself. Making numerous small claims will unnecessarily bring down your NCB to zero which will overall lead to a loss.

Attach anti-theft devices: A car insurance plan offers protection against theft and other dangers to the car. So if the car is found to be safe and less susceptible to thefts and break-ins, the insurer will offer a discount on the premium. Therefore look to install some anti-theft devices to the car to not only keep it safe but also to reduce your insurance costs.

Be a good driver and earn No-claim bonus: Driving carefully will reduce the chances of your car getting into mishaps. This will reduce the need to make claims and you will earn NCB. The NCB will in-turn pull down your insurance premium costs.

Renew two-wheeler insurance before expiry: Do not wait for the two wheeler insurance policy to expire before you renew it. If you have a lapsed policy, you may need to pay some fees and fines to get a new plan. So always try to renew the policy on time to save money.

Buy online: It is known fact that insurance bought online is cheaper. So buy a two wheeler insurance plan online and save a considerable amount of money.

Choose the right kind of cover: If you have a two wheeler that you use occasionally or is almost on its way out, opt for a third party cover. If however your bike is used daily and is a valuable vehicle, go for a comprehensive plan. Knowing which cover you need will help you save money.

Deductibles: Every two wheeler insurance plan has a deductible component. This means that as the policyholder, you will have to pay certain amount at the time of a claim and the insurance provider will pay the rest. A high deductible will lower your premium costs and vice versa. If you are confident of your driving skills and feel you won’t need too many claims, opt for a higher deductible. This will help you save money on your two wheeler insurance plan.

Compare: Last but not the least, you most definitely need to compare the available car insurance plans to get the best deal at the best rate. This is one of the easiest and quickest ways to save money on your bike insurance plan. Compare when you buy a new plan or renew an existing one.

Top 6 Advantages Of Student Loans

It is just a common myth that only the federal loans provided by the UK government are cheaper and easier to repay than the student finance options provided by the private direct lenders. However, if you see the APR and repayment modes, then you come to know that private student loans are the clear winner! Let’s have a quick look at the top 6 advantages of education funds offered by the direct lending companies:

Borrow Short-Term and Long-Term Funds

Whether you are looking for a big amount to complete the higher education course, or need short-term funds, to give just hostel and tuition fees; both options are easily available and you can access the required funds in less than 24 hours without facing any hurdles. You can ask the lender to transfer funds directly to your bank account or deliver to your doorstep.

No Documentation to Waste your Time

The time of a student is very precious and instead of taking stress about the cash, he should focus on studies. Direct lending companies know the importance of young generation in the development of the UK and hence they offer paper free student loans plans. You are not required to submit your last class mark sheet or the address proof.

Apply Online in Just 2 Minutes

You don’t have to bunk classes or take leaves from the college, just open your laptop or smartphone and apply for the student finance loans on any reliable direct lending website. You would need just 2 minutes to complete the online application procedure. No hard copies or soft copies are required.

Avail Funds with No Guarantor

Students don’t have a big network to arrange a guarantor. They are dedicated towards their studies and interact less with people. Arranging a guarantor is an embarrassing task for them as people are not ready to co-sign their application. They can easily access student education loans with no guarantor and no broker by applying to a reliable direct lender.

No Hurdle of Bad Credit History

Some students have bad credit issues due to pending credit card bills or some other reasons. Banks and conventional lending companies don’t entertain their funding requests. However, they can easily secure the cash by applying student loans to a bad-credit friendly lender. There are no hidden charges. You can compare various deals and grab the best one with the lowest APR.

Easy and Flexible Repayment Modes

Everybody knows that a student can’t repay funds during his education time. He doesn’t have a steady source of income. Direct lenders offer various student repayment plans that can be chosen as per comfort. You can either start repaying in installments from the next month or repay the total debt in instalments after completing your education.