All posts by Dale Burke


Financial Tips to Manage Overwhelming Debts

There are too many reasons of why a person gets trapped with debts. Ranging from the understandable purposes, such as bad investment choice and unexpected medical bills, to reckless and toxic habits, like gambling and overspending on luxury goods. Anyway, the dues are coming up, and there is no reason to cry over the spilled milk. All left to do is to face the consequence.

Here are what-to-dos when you have too many debts:

Do it Yourself (DIY) debt management

Before handling the debts by yourself, you should ask yourself these following questions:

1. Are you a realist person?

You can’t answer this question just by a thought that pops up in your mind. The most objective method is by looking back at your financial records, especially the ones that require prediction.

2. Do you pay attention to details very well?

Still, the best way to determine whether you are capable of meticulously evaluating your debts or not is by looking at how well you handle numbers in the past.

Do not risk any mistakes to happen, specifically when you have heavy debts. It is your future finance that is at stake.

3. Do you have enough time to allocate?

DIY debt management will you the time not only when you are in the planning stage but also when negotiation with your debtors is needed.

Personal-debt-managementThis question is strongly tied to the first one. Calculate the available time for the matter realistically. Otherwise, your DIY debt management can turn into a financial disaster.

After the self-evaluation of how credible you are to manage your debts, you should begin scheduling your activities, such as preparing the necessary documents, meeting with the debtor, re-assessing your financial condition, and reviewing your payment plan.

Consulting with a debt advisor

Debt-ConsultationChoosing for the right consultant might be tricky because there are many advisors with inadequate knowledge. All they can provide is just general advice which will not give you any practical benefit. Or worse, they will cost you more than they offer.

The easiest way to spot credible debt advisor is by checking on their certificate and their membership with affiliated organizations. There are free consultation services for debtors with excellent accessibility, such as Clearpoint, a member of the National Foundation for Credit Counseling (NFCC), for US residents; and deby advice Leicester for UK residents. These services help to manage personal debts and even to file for bankruptcy.

Filing for bankruptcy

Over-debtAlthough bankruptcy can be a result of a reckless decision, governments still offer a second chance for those who suffer from financial collapse. This is the worst situation that can happen to a debtor, and handling the filing requires lawyer service.

Mostly, the causes of bankruptcy are having a mortgage and student loan that exceeds their capacity to pay the debts off. If the bankruptcy plea gains approval, the debtor is lifted from the financial burdens.


All you Need to Know About Merchant Cash Advance

Merchant cash advance loans offer a method of funding to business. Unlike other types of loans, these business loans are quick and easy to apply. In case the business needs money on short notice, then this is the best way to finance the business. The best thing about these loans is the short period that it takes to get the money. If you need money to get money on short notice, then this is a good option to consider merchant cash advance loans.

How much can you get from a merchant loan?

When determining the amount of money that you can get formoney the loan, various factors are put into consideration. For instance, most of the merchant companies will look at the number of sales that you make per month and calculate the average amount of money that they can lend you.

Learning how a merchant cash advance works is the first step before you take a loan. Unlike banks and other financial institution, merchant lenders will not check your credit score, and this makes the process easy. If your business is making substantial sales every month, then you will get a good amount of money for the loan.

How is the loan repaid?

Merchant loans are short time loans, and this means that the repayment period is anything between 3 months and 15 months. The loan is supposed to be paid in the shortest time possible to avoid the high interest rates that can be accrued. The money for loan repayment is deducted from the sales that the business makes. On months when the business makes a lot of sales, then the repayment cost is high and vice versa.

What are the advantages and disadvantages?

Fast loan access

A merchant loan allows you get money in the fastest time possible. You don’t have to keep waiting for a long time before you get money to grow your business. It is possible to get money in your account within days as opposed to banks that take months before you get the loan.


No credit score

Credit scores are a big hindrance to business loans, and they limit the amount of money that you can get. However, with merchant loans, you don’t have to worry about credit scores. You can get any amount of money based on your monthly sales.

However, merchant loans can be a bit expensive because they attract a high interest rate. You need to pay the loan as soon as possible to avoid the high interest rate.


Beginners Guide To Stock Trading

Stock trading is a profitable venture, but like any other businesses, it also has risks and uncertainties that you need to deal with to be able to make real money from it. Of course, you have to start from the beginning and the very basics. You also have to equip yourself with the right knowledge to be able to succeed in this venture for more click Stacked Bid membership levels. Likewise, below is a beginner’s guide to stock trading.

Guide To Stock Trading


Of course, like any other business ventures, you will need money to start trading stocks. The question of how much investment you will put on the stock market largely depends on you and your savings as well. Be reminded that although stock trading is profitable, the risks can be huge and thus, you should make wise decisions on how much you are willing to risk for this particular investment. Investing your entire savings in stocks may not be wise.

Trading plan and strategy

If you already have the money you are willing to risk on stock trading, you also need to have a trading plan and a strategy. You have to remind yourself that competition can be fierce in the stock market and without a good plan on how you can invest and make the profit, it can make everything riskier and disastrous to your investment. Bad decisions can lead to losses and to be able to maximize your profits, you have to have a good strategy on what stocks are best to buy, and you must also have done your research on the stocks and companies that you are interested in.

Charts and other data feeds

Other important things that can serve as your guide to stock trading are maps and data feeds that will help you make better decisions on whether to buy or to sell your stocks also which stocks are good to have for the long-term. Good data will also guide you when is the best time to trade that can bring you good profits and fewer risks.


You can also get an excellent stock trading software that you can use to be able to get useful data on the stock market and help you set up your trading strategy as well.


man typingA broker is one that can find you a suitable buyer or a seller. Keep in mind though that you need to choose an agent wisely so that you can maximize your trading profits as well.

Stock trading can be risky, and one thing that you can do to be able to survive and succeed in such a risky venture is to make sure you are well-equipped before even trying your hands on it.


Useful Ways To Fix A Bad Credit Score

Choices have consequences. In this regard, making wrong financial decisions is bound to hurt or affect you in future. For example, if you have a bad credit score, then, you might have made some errors in the past. The good thing is that from testimonial of specialist credit repair company, you are not alone, and you can improve your credit score. Besides using a credit repairer, which is one the best moves, here are some areas you can address to take care of bad credit.

Credit record

In other words, your credit record is your financial history. money Your credit records influence your credit record scores by up to 40%. As such, you need to review your credit record from time to time and see how you are faring on. Any inaccurate or negative listing should be a cause for concern. Upon realization, it is advisable to file a dispute and have things sorted.

Types of credits

Ideally, one can have many different types of loans or credits. This might be a car loan, student loan, credit card, mortgage, name it. Having a couple of loans is good for your credit score. Managing and paying them on time could see your credit score improve by up to 10%.

Length of credit

How long have you been using credit? The duration you have been using credit affect your credit score in a way. As such, individuals who have operated a credit account for a long time are about to have better scores. However, this should not be a significant concern considering that it does not have a strong influence on your credit scores.

Credit to debt ratio

percentage Ideally, the credit to debt ratio looks at all the debts you have and compares them to your borrowing limit. In this regard, if the amounts borrowed are low compared to what is available, you credit score is not adversely affected. However, operating at the upper limit can hurt your credit score, as you do not have any credit to borrow.

Bad credit scores are bad for you in all ways. As such, do not just live bad scores. Take action and build up your scores for your future. The benefit of having a credit score is that most lenders are willing to give you loans. Besides, you also get financing at low rates considering that you are not seen as much of a risk.

dent car

Choosing The Best Car Insurance

The cost of an individual of owning a car is affected by the increase of the price of the gas. So a person is required to look for the ways of cutting his or her expenses. The car insurance policies are the best way to start from. Insurance protection cover must be carried by all drivers driving a particular vehicle. The majority of the individuals usually pick an insurer after the purchase of their first vehicle, and they do not look at the information on the policy for years. Click here for more information on auto insurance for cars. The following are some of the best ways for an individual to find the best car insurance policies and one will be able to cut his or her premiums;

Best ways

Yearly rate check should be carried out

car accident The rates from other insurance firms should be verified to make sure an individual or car owner is getting the best deal available in the market. The majority of the state insurance companies department provide guides to available services. The services can also be found on online platforms through insurance comparison tools. The efficient way for a person to find a better deal is through making the comparison on online platforms.

Top-rated insurer should be picked

In these top rated insurance companies, there is presence of insurers who have got the right skills and experience. An individual should be able to choose a top rated insurer who will be able to offer excellent services, and as a result, the issues of payments, non-claim and claim problems would not occur.

Right deductible should be set

An individual’s premium reduces as result of paying the deductible which is high. In the event of an accident occurring, the car owner will be required to pay more out of his or her pocket. A person may gamble and consider a higher a premium in a situation if he or she has a good driving record and have had an accident, but it was not the car owner’s fault. As a result, a person saves up to forty percent of his or her savings.

Coverage should be reviewed

A person should make sure to check if he has got enough liability coverage for property damage and bodily injury. Risks and cost over the years or months usually increase. Hence one’s coverage should also increase concurrently. Therefore, a minimal protection is attained through minimal coverage.

Crash repairs should be watched

car crashA car owner should check if the insurer sends an individual for repairs, as the repair shop may push someone to consider using inexpensive replacement parts rather than the original components.


Why does your business need the services of a professional accounting firm


The outsourcing of accounting activities is a very popular business trend these days. A large number of business owners have recently joined this trend by turning to various accounting firms to help them with their accounting tasks. Why would they do that? Well, because accounting is one of the most critical aspects of any business endeavor.

These tasks must be handled with utmost accuracy and punctuality, so as to determine exactly how much money was earned and spent, and properly obey various federal and state laws. To reduce their costs, small business owners usually make a mistake by handling their accounting on their own or hiring inexperienced and cheap accounting graduates to handle these critically important tasks.

accounting Hiring accounting firms, such as Susan Becker Accounting, would be a much better, as well as economical decision. These firms are staffed with experienced professionals and are fully-fledged and equipped to meet your requirements and keep your accounts updated.

A little background check

Before you hire a particular firm, make sure that it is fully licensed and registered and that it is permitted to operate within the US. Also, do a little bit of background checking to see whether the firm has the past of successfully serving other clients. Positive testimonials should be an indication that the firm will serve you nicely, as well.

Highly accurate financial records and statements

Outsourcing your accounting to a professional firm can help your business in a myriad of ways. By having the experts handle your accounts, you will get highly accurate financial records, of the highest quality. With these records and statements, you will get a crystal clear picture of your current business situation. And you will be capable of devising much more effective methods for boosting your business results in the future. Your decision-making processes will also be much easier with the help of these records.

Extremely helpful for new business endeavors

Every young and upcoming business endeavor must battle against fierce and numerous competition, as well operate with limited capital. This is usually the most critical period, during which a business can prosper or completely disappear. It also during this period that accounting firms can help out the most. With their prudent and highly skilled financial managements, these firms can help a new business overcome these difficult early stages.

Outsourced firms are also quite beneficial for young businesses, simply because they are unable to afford expert financial officers and in-house accountants. These firms do not require any supplies, equipment or office space, to perform their tasks. They use their own offices and modern accounting software tools to perform their jobs. Whatever they are tasked with, they will accomplish it without the need for constant supervision and completely independently.

A wide array of services

receiptOutsourced accounting companies do not only specialize in handling accounting tasks, but also in other financial business areas. They are perfectly capable of providing expert insights and advice pertaining short and long-term business development, as well as financial management and risk management.

Lastly, these firms are also highly flexible when it comes to hiring time periods. They can be hired annually or semi-annually, weekly, monthly or quarterly. The choice solely depends on you and your business needs.

health insurance

Insurance Customer Representative

An insurance customer representative in an agency provides information about the products of the firm to the customers. An individual will be in charge of providing the necessary assistance and support to the customers. A job description of insurance customer representative involves responding to customer inquiries and forwarding the various complaints to the appropriate department to be solved. If an individual is in a position to address the complaints, he or she can do so. If there is a change in insurance policies, one is mandated to communicate the changes to their esteemed clients. One is the middleman between the customers and the insurance firm. Click here for the outsourcing insurance services. An insurance customer representative is supposed to keep the clients informed and satisfied the services provided at all times.

General information

The job description of an insurance customer representative

insurance An individual should make sure that clients make purchasing decisions armed with the right amount of information. Customer’s complaints are analyzed by them and solutions are provided. Through a telephone, one can discuss with the involved party and offer information on the products and services being offered by the firm. All the conversations with the clients should be recorded with details of inquiries or complaints plus the solution or steps that were taken. The company’s insurance policies and products should be understood by a person and should be able to tell if the policy covers a kind of loss or not.

Reports of claims

Emails, newsletters and other forms of correspondences to the clients are sent to a customer representative in an agency. Reports of claims are received by an individual and after that communicate allegations of investigation to the customers. They aid in soliciting of sales of new policies and products. The policy documents are filled by one and contact a client whenever an error is discovered or when it is required to be corrected. The price quotes to prospective customers are provided by these insurance customer representatives. The reputation of the insurance agency is protected and managed by them. The strong clientele relationship with clients is maintained through them.

Abilities, skills, and knowledge of insurance customer representative

insurance 2For an insurance customer representative to succeed in this field, he or she should acquire the skills, qualities, and knowledge which are as follows; one should have to ability to do various roles at the same time. For pacifying difficult client, one should be able to handle them well. The communications skills which are both verbal and non-verbal should be excellent. An individual should be a good listener with sound judgment.