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910, 2017

Boost Your Income

By |October 9th, 2017|Financial, XPC|0 Comments

Everyone is feeling the pinch nowadays. Unless you’re in a high position of a corporate role, chances are you’re struggling like everyone else. So many factors get in the way such as costs of food, cars, public transport, and even socializing. It’s is so common, especially for the younger generation, for people to be dragging themselves through the last three weeks of the months, whilst spending the first week living like a king. It’s all well and good trying to be frugal, but why not just boost your income and live the life you wish to live without holding back. Boost your income with these easy tips.

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Side Business

Everyone has a passion for something, and it’s so easy to get yourself a few extra pennies by turning this passion into a business. No matter how small it is, every little helps. So if you love spending your free time baking, start selling them to families and friends. Marketing yourself using social media to attract a wider audience. Before you know it, you’ll have a nice little income trickling in. Make sure there are no investments involved if you’re just using it as something on the side of your normal career. The key here is to boost it, not lose it.

Investments

When we said not to invest, we only meant when running your own side businesses. Investing when you know how to can be the perfect way to boost additional income. For example, small businesses are so perfect to invest in. With the right help and guidance, your investment will pay off in no time. Make sure you do your research and understand the niche you’re going to invest in. Property is another great example. It’s a […]

610, 2017

Americans Doomed To Die In Debt

By |October 6th, 2017|Financial, XPC|0 Comments

A recent report has emerged, revealing that more than 70 percent of Americans will die, still owing money. What does this mean? Well, it means that the debt will carry over to their loved ones and their family. If you die still owning debt, the lenders can then charge your wife, your son or your daughter. They can even pursue distant relatives and perhaps those who may not be connected to you by blood. In fact, some debt collectors will target anyone they can that’s even slightly connected to you to get back the money they are owed.

It also means that there are people right now in their forties, their fifties, and sixties, who will still be in debt when they die. Now, it’s important to realize that all these people won’t be in a dire condition. There’s a difference between sinking in debt and managing it effectively. Some debt can be managed like a mortgage. You may not like owing money, but most people can afford to pay off their mortgage month by month. Other debts, on the other hand, will cause you to sink into the abyss. Credit card debts can quickly mount up until they become a great wall of loans that you can not possibly climb.

What we need to be thinking about is how to change this situation. How can we make sure that people do not die in debt?

Re-education

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It’s fair to say that a lot of people are in debt because they have been made redundant. Usually, this is because their careers have become obsolete and essentially they are no longer needed in the economy. There have been many industries that have gone down this road, and the […]

2909, 2017

Claiming Compensation After A Car Accident

By |September 29th, 2017|Financial, XPC|0 Comments

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If you are suffering from an injury from a car accident that wasn’t your fault, you have every right to claim compensation. It doesn’t matter whether you were the driver, a passenger, or someone knocked down in the street, if you were injured by no fault of your own, and have lost money because of this injury, you can and should get this money back, and here’s how:

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Call The Police

Immediately after the accident, you will want to call the police. Even if the collision and your injuries don’t seem that serious right now, and you’re pretty sure that you don’t want to claim anything, you don’t always feel the pain from injuries like whiplash straight away, and you may be in agony in the morning. Calling the police will ensure that the accident is on record, and you can get a copy of the police report later on. This report will include important details of the accident, such as dates, times, and people involved, and will often have an officer’s opinion of whom they believe was at fault for the accident. This can support your case later on.

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Record Everything

Ensure you make notes of all the details of the accident, like in a police report. Things like the weather, the speed at which any parties were driving, and any witnesses to the accident could all help to backup your compensation claim in court. You will also want to keep any receipts for things such as medical expenses, transport, and childcare. You should also get a letter from your employer to confirm that you have been unable to work due to your injuries and verify how much income you have lost as […]

2209, 2017

How Do Smart People Overcome The Financial Obstacles Caused By Increase Living Costs?

By |September 22nd, 2017|Financial, XPC|0 Comments

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Right now, there seems to be an almost universal problem where salary increases are far slower than the general rate of inflation. Sadly, this is affecting billions of people in a very negative manner, resulting in financial instability and worries.

Those drastic times do cause for drastic measures, but that has become an increasingly natural part of modern society. Living costs have shot through the roof, especially for those who do not search the market for great deals. Given that time is money, many people ignore the need for this. However, insurance and banking from GoBear can reduce annual spending in a matter of minutes. Similarly, price comparisons can be used for electricity, cell phone packages, and clothes shopping.

Saving money on the big purchases is one thing, but the small regular discounts are just as crucial. Most people looked down on the idea of using coupons just a few short years ago. Nowadays, though, there is a far greater respect for the impact that those methods can bring.

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Spending less money isn’t just about cheaper purchases. In many cases, a change of attitude is the most influential aspect of all. This can manifest itself in taking on new habits, such as up-cycling. Alternatively, it can mean thinking about short-term investments for long-term gains. Going green with eco-friendly home upgrades is the most common solution. Whether it’s water-saving toilets or thicker windows, the impacts can be huge. Not least because they also improve the value of the property.

Making assets work harder is another crucial factor for ongoing financial stability. Time is arguably the most valuable aspect of all. Increased earnings through freelance jobs, paid surveys, and affiliate marketing can make a big impact. Meanwhile, enhancing job […]

1809, 2017

Why Online Purchases Are Still Better For You Than Buying In Store

By |September 18th, 2017|Financial, XPC|Comments Off on Why Online Purchases Are Still Better For You Than Buying In Store

Retailers are having a tough time. The cost of labor has continued to increase over the past few years. So has the cost of the logistics that bring the stock to the store. Of course, there has also been an enormous shift toward online purchasing. This has effectively shut down so many of our favorite retailers. Convenience is perhaps the main reason for this loss of footfall in store. But are there really any other benefits from ordering online?

No Try Before You Buy?

It’s not like you can try on that pair of shoes, or see how those earrings go with your favorite outfit. And you can’t have it today (although Amazon is working on that). You have to wait for the delivery and then try it on at home. If you find out it’s not right, you have to pack it all up and send it back again. Of course, mail-order catalog companies that sell fashion have been dealing with this problem for years. It seems the customer doesn’t mind.

When you buy online, you don’t really know who it is that’s selling that item to you. Sure, there are plenty of enormous retailers that are trusted and respectable. But what about all those auction sites or ‘budget’ retailers online? Putting your faith in a business that has never had a store front is a big ask. Yet, millions of us do it every day. Are you protected though?

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Online Transactions and Currencies

Credit cards offer a huge amount of protection for any online purchases. And, yes, you can buy pretty much anything online. You can even buy alternative currencies! If you’re looking for alternative ways to make purchases, then you can even buy bitcoin with a […]

2908, 2017

Rich People Vs Poor People: What’s The Difference?

By |August 29th, 2017|Financial, XPC|Comments Off on Rich People Vs Poor People: What’s The Difference?

We all know that there’s a difference between rich people and poor people, but what exactly causes it remains a mystery for many. Most people just chalk it up to inherent differences or the luck of the draw, but this isn’t always the case. Yes, some people do just get “lucky” and bag a business deal of a lifetime which sets them on a journey to fabulous wealth, but that’s not always how it works. Usually, the difference between wealthy and poor is down to personal ideology. Here’s what that means in practice.

Millionaires Have A Purpose

Many people who aspire to get wealthy think that wealth itself is the goal. But most people who later became millionaires didn’t initially set out to make loads of money. Instead, they had a passion which they worked really hard at and loved. Making lots of money was just a byproduct.

There’s a good psychological reason for this. Making money itself usually isn’t sufficient motivation to work hard at something and become the best at it, whereas working towards a higher purpose is. Millionaires don’t just love money, they love the process of getting in and are willing to put in the hours necessary to make it happen.

Take Calculated Risks

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While it’s true that entrepreneurs take risks, it’s not true that they just jump in head first without thinking. Any risks they do take are carefully considered beforehand to ensure the maximum chances of success. Taking out a cash advance to invest in things they think are going to be successful is part of how they operate. They know that the only way to gain wealth is to put money into things that are profitable and create multiple income streams.

Always Be Enthusiastic […]

2908, 2017

Taking A Fastpass In Your Career

By |August 29th, 2017|Financial, XPC|Comments Off on Taking A Fastpass In Your Career

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Most people like the idea of progressing their way to a better job. Once you get yourself into this position, life promises to get a lot easier, with more money coming in and your workload changing to something more enjoyable. Of course, though, achieving this sort of goal is much easier said than it is done. You will have to work hard at the job you have, pushing to show your employers that they should promote you, for many years. Instead of going through this, it can be much quicker to take a more educational approach.

Most modern roles will ask that you have a minimum set of qualifications to be able to apply for them. Entry-level jobs won’t ask for much, but as you start to look at better options, they will all start to become more specific. Know what you’ll need to study to be able to get the job you want is easy, thankfully. But, you still have to choose the way that you’re going to study it. In most cases, you will have two main options; online or classroom-based.

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Online Vs. In The Classroom

Studying your course online is a great way to get an education while you’re working it. By using your spare time to learn, you can minimise the time it takes you to achieve your goals. Along with this, it also gives you the chance to get a qualification based on a role in the company you already work for. For example, if you have a job working as a bricklayer for an engineering company, a masters in engineering management could be studied online to help you progress in your career. This sort of approach can be applied […]

1108, 2017

22,000 Personal Injury Cases In 2016: 2017 Set To Get Even Higher

By |August 11th, 2017|Financial, XPC|Comments Off on 22,000 Personal Injury Cases In 2016: 2017 Set To Get Even Higher

Making a personal injury claim is something that many people do at some point in their lives, whether due to a minor car accident or an injury at work. However, there has been a huge explosion in personal injury claims since 2016, according to recent reports. Around 22,000 claims were made in 2016 – this is a massive 62% increase in the number of claims that were being made a decade ago. In spite of the number of cases rising, the sum of money awarded to the injured was much lower, at around £147 mil all together. Judges are now taking a much harder line on claims that don’t seem legitimate. Read on for more information and stats.

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The Injuries Board Or High Court?

Personal injury claims are dealt with by the Injuries Board first and foremost, but claimants are still permitted to access the courts at the end of that process if they are unsatisfied with the way the case has panned out. The average award by the Injuries Board was reportedly £24,305, while the highest award was £740,968. A much larger number of claimants decided to take a risk and take their injuries to the high court, rather than accept the sum offered by the injuries board. Court and other legal costs did not deter them; many appointed their lawyer and went ahead anyway. A total of 21,898 injury cases were taken last year, up from 18,992 in 2015.

A Run Down Of Damages Awarded By The High Court

More cases went to the high court last year, but they cracked down on cases they were sceptical about. Here are the results:

Damages were awarded up to £60,000 in 146 cases compared with 192 cases in 2015.
[…]

3107, 2017

Live Like a Celebrity on a Modest Budget

By |July 31st, 2017|Financial, XPC|Comments Off on Live Like a Celebrity on a Modest Budget

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The economy still isn’t great after the financial crash of 2008, and that means that a lot of us have had to keep our belts tightened and avoid those little luxurious we used to enjoy in favor of being frugal. Well, you know what? It’s time to rethink that. Sure, we might have to live on a more modest budget than we would like, but that doesn’t mean we can’t live a bit of the high life like our favorite celebrities!

Here are a few things you can do to live like a celebrity (for a little while) on a budget:

Shop Smart

If you’re a savvy shopper, you can experience everything from designer clothes to fabulous furnishings on a budget. For example, TJ Maxx often stocks discounted designer goods and using price comparison sites, coupon apps, etc., can all help you to find the things you desire for much less than the average retail price.

Rent

If you really can’t afford a bit of celebrity luxury, you might be able to rent it for a day! For example, Exotic Car Rental Guide has a fantastic resource, showing you where you can rent Jaguars, Rolls Royce’s and other beautiful celebrity-style cars for just a few hundred dollars, and there are similar sites that will allow you to rent designer clothes, bags, shoes and even dogs! Sure, you might still have to pay what is a fairly significant sum, but if it’s a once off and if you ask for donations toward it for a birthday or special event, you can get a taste of how the other half lives on your smaller budget.

Sign Up as a Student Model

If you long to have hair like Kim Kardashian or the luscious […]

407, 2017

How To End Your Relationship With Debt

By |July 4th, 2017|Financial, XPC|Comments Off on How To End Your Relationship With Debt

Adulthood is almost synonymous with debt nowadays, especially if you’ve gone to college. Even when you think you have everything in place to start paying off your loans, life is rarely so predictable; accidents, unforeseen job situations, and increased expenses can all hinder your efforts to get out of debt. Worse still, they may get you into even more debt because you’ve had to borrow more money to stay on top of your bills.  Living with debt can be stressful, but there are ways you can bring it down to a manageable level, and eventually end your long-term relationship for good.

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Set A Budget

One of the first things you have to do to get out of debt is to make a vow to stop borrowing money. The only way you can do that is to set a strict budget that allows you to live within your means. In addition to not applying for new credit cards and not going on vacations you can’t afford, there are many ways you can reduce your spending on a monthly basis.

Reduce your bills

If your energy bills are the biggest expense in your household, the easiest way to start saving on this is to make your home environmentally friendly.  Start by switching to energy efficient LED bulbs, unplugging all appliances you’re not using, and insulating your home so you don’t need to turn up your thermostat as much. Doing these small things can reduce your energy consumption, saving you money on your bills each month and helping the environment.

Shop smarter

The best thing you can do to keep your food bills low is to find ways to reduce the amount of waste you throw away each week. Fortunately, there are several […]