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Archive for the ‘Handle Money’ Category

Wednesday
Mar 21,2007

SavingsAccounts is a brilliant new site focused on serving the average consumer about making use of the information provided about savings accounts. I too, believe that consumers should be equipped with the knowledge of making as much money as they can out of their savings accounts. Most of the banks listed are the ones with high yield savings accounts. Rates for savings accounts are as high as 6% and as low as 0.15%. The owners have made the site as simple and as easy to use as possible.

Look at the screenshot below. How much simpler could it be?

savings account

This website has so much value to everyone in the world who saves their money in banks. May this website promote a more competitive environment among banks to bring in more benefit to consumers like you and I. =)

* sponsored review *

Savings Accounts
All about online savings ccounts

Saturday
Mar 17,2007

Quotes Auction

Well, here is a company that gets insurance leads generated from search engines, to give customers prospects and provide a steady flow of new leads, filtered to customers’ specification, at substantially lower costs compared to traditional marketing methods.

QuoteAuction mainly offers consistent volume, competitive pricing, sophisticated, user friendly interface, 24/7 access to insurance leads history, profile and criteria editing, extensive reporting of leads and payments activity, instant credit requests. They also have a unique automated follow-up system to help agents maximize their sales closing ratio.

This is how it works. Prospective consumers who are seeking affordable insurance protection complete detailed online insurance related questioners and request a desired coverage. Upon completion of the questionnaire, the system informs prospects that they will be contacted by insurance professionals licensed in their state, offering choice of competitive insurance products from several different respected carriers. The system then identifies active insurance agents on QuoteAuction’s database with matching territory, lead type and profile criteria selections and sends them to respective agents in minutes, via email in the form of insurance leads.

Currently, they are having a promotion by giving away $200 worth of leads for free! No obligations, no costs. Just fill up the survey / inquiry and get your leds. Simple as that.

* sponsored review *

Quotes Auction
High quality insurance leads

Tuesday
Mar 13,2007

Since Nov 2006, I have been a saver. Choosing to make it out on my own rather than to be an employer, I have learned so much in managing my funds. I have learned to budget my monthly food, gas and entertainment spendings. I have also learned to set aside 10% of my earnings as savings for the future. The future where I will be using loans to get my houses and cars, learn more about mortgages, buying insurance for my family and saving properly in the bank. Here are a list of basic things that I know about handling money together with links to Thriftyscot from UK, a plain-speaking, money-saving advice site.

  1. Loans
    • I know that most personal loans charge fixed interest rates. This means that our monthly repayments stay fixed throughout the life of our loan, which helps with budgeting.
    • I know that unlike a mortgage, an unsecured personal loan isn’t secured against our home, which means that our home isn’t at risk if we have trouble making our repayments.
    • I know that to compare the cost of loans, we have to look at the Total Amount Repayable (TAR). This shows the total amount that we’re expected to repay, including all monthly repayments, fees and charges. Therefore, the lower the TAR, the better the deal, all other things being equal.
  2. Credit Cards
    • Previously, I wrote an article telling about the pros and cons of using a credit card.
    • Though credit cards may be convenient, they may be killers when there is lack of self discipline.
  3. Savings & Current Accounts
    • Current accounts records the values of goods and services sold and purchased abroad, plus net interest and other factor payments and net unilateral transfers and gifts.
    • A savings account is an account at a bank on which interest is usually paid and from which withdrawals can be made.
    • There are so many savings and current account deals out there but you can only find the best by comparing them. Actually, by simply changing to a new savings or current account your finances could be given a much welcome boost.
  4. Mortgage
    • I know that fixed rate mortgages are the traditional loans that have a fixed interest rate over the life of the loan.
    • I know that adjustable rate mortgages typically start at a lower interest rate (and lower payments) but interest rates and payments fluctuate depending on market interest rates.
    • I know that balloon mortgages have a somewhat lower interest rate than a conventional 30-year mortgage, but the loan is usually due in five to seven years.
    • I know that jumbo loans are larger than average loans.
  5. Insurance
    • Home insurance, is an insurance policy that combines insurance on the home, its contents, and, often, the other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.
    • Car insurance is for providing protection against losses incurred as a result of car accidents.
    • I know that life insurance offers premium and death benefit flexibility, as well as the potential to increase cash value based on the performance of your choice of underlying funds.
    • As life insurance is tied to the performance of various securities markets, it may provide an important hedge against inflation. This can help keep the value of life insurance policy from eroding due to rising costs of living.
    • Common life insurance allows us to withdraw money or to borrow from the policy during our lifetime.
* sponsored review *

Thrifty Scot
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