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Making Extra Money – By Using The Internet

August 19, 2016 By admin 2 Comments

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If you’re looking for ways to make some money on the side, look no further. Here we have put together a few of the best ways to make money online that are gaining popularity around the world making it easier than ever to help you save for those gadgets or holidays you’re looking at. Take a look and see if any of these sound like the perfect answer to your money saving wonders.

Freelancing

If you have a fantastic skill such as writing, graphic design, website coding or even marketing, this can be the perfect way to pump up the cash. With websites like Upwork, People Per Hour and Fiverr busting into the online work marketplace these days, almost anyone with any kind of skill can make that skill work for them. So go check out one of these websites and see if you have anything that fits the bill to make some extra money on the side.

Tutor Online

If you have education in a specific area such as teaching, Math, English or History you can put this to work for you online by offering your skills in specialised subjects to students who are in need of a tutor. These days, online tutoring can be preferable as both students and tutors don’t need to meet at a pre-arranged location, saving both parties time and potentially money. Additionally, online tutors can offer their services for cheaper than traditional in-home or in-class tutors, which opens the market up wide for regular people to get in on the ground floor with this potential money maker.

Playing Games

You might think this sounds too good to be true, but by playing simple lottery games such as the US Powerball and other US lotteries can help you win some small sums of money, and with it being easy to play by subscription, it means you can always have a ticket in the next draw for potentially huge winnings. These results can be checked and subscribed to online meaning you will never miss a draw. You can also even get a few friends into a group ticket to lessen the costs for more potential numbers.

Recycling

This may sound a bit strange – but in actual fact there is a lot of money to be made in recycling old possessions such as mobile phones, DVD’s, CD’s, video games and the like. There are a few websites out there that offer cash for things of this nature – the newer the better, but will still take the odd old piece for a good price. Books and things are often accepted too, with some unique lines of books being quite lucrative. So check around the house and see if there’s anything collecting dust that could instead be used to collect dollars.

So as you can see there are a few ways to make some extra money, without giving up free time or having to get an extra job on the side. So check out a few of these examples today and see just how you can put your free time to work for you so you can get back to enjoying your work/life balance!

Filed Under: Finance Tagged With: blogging, cash, finance, freelancing, money, online, work from home

The Brave Investor’s Guide to Buying Gold Bullion

February 17, 2016 By admin Leave a Comment

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Image by Dennnis780 via Flickr

Gold has always been a great commodity to invest in, so long as it is done properly. While there are ways to invest less, and therefore suffer less risk (such as futures trading on paper gold), these methods often don’t give the returns expected by their investors, and sometimes can be shady at best. No, the best way to go about it is to get yourself something tangible, something you can hold and keep and know its value just by looking at it. But, for investment purposes, not just any gold will do (you won’t see much of a return on cheap jewellery), you need something pure; you need to get yourself some bullion.

What is gold bullion?

Bullion can come in the form of ingot bars or coins. The characterising feature of every piece is determined by its precious metal content. For instance, when concerning the ingots, the precious metal content needs to be at a ratio of 99.5% for it to be considered bullion. With regards to coins, this number is a little lower, sitting at around 90%. Buying gold bullion bars needs to be done with care to make sure that the dealer is giving you what they say they are, and so even if you are working with a reputable dealer, you should test the content of the so-called bullion thoroughly before buying.

When should you be buying?

Common sense would normally tell you that the best time to buy would be when the gold price is low, as it would be with an investment into any other commodity; but this isn’t necessarily the case. The first question you should ask yourself is ‘when do I need it?’ Timing is not exactly an issue with gold since its price only fluctuates moderately. As opposed to a simple investment, the real goal here is to diversify your wealth so that you are not badly affected by any financial turmoil that may come round in the economy. You are merely diversifying your investment, so how you distribute your investments is more important than when you make them. Take a look at the Gold Buyers in Melbourne website for more information in this regard.

Gold as insurance

The thing about gold is that it is a primary asset that is not someone else’s liability, such as is the case with bonds and other means of capital investments. Having gold in storage means that when the chips are down, or you need a fast injection of cash, your hoard can be sold off as a commodity that always retains some level of value, unaffected by the larger scheme of the financial market and economy. For this reason, gold bullion is considered a great investment for insurance purposes, since there will always be someone who is happy to take it off of your hands.

Hopefully this has given you a better understanding of how and why one should invest in bullion. Remember that bullion is (in any form) a safer and more valuable investment than jewellery, futures and paper-gold which are largely dependent on the current state of the global economy for their value. Investing in bullion today is a great way to retain some sense of security, and the more you can (affordably) invest in, the better.

Filed Under: Finance

How to Choose an Australian Home Loan that Works in Your Best Interest

February 12, 2016 By admin Leave a Comment

Image by Tonyhall via Flickr

Image by Tonyhall via Flickr

Choosing the right mortgage for your lifestyle has only become more and more complex throughout the years; as mortgage terms themselves get more convoluted by the quarter, disrupted by an economy which just won’t settle, and the reputations of the very banks who issue them has been called into question –it can be increasingly difficult to know who to trust.

First Time Home Buyers

And as if it wasn’t complicated enough, first time home buyers tend to have little or no experience with any mortgage from any era; entering the market –today’s market— for the first time is a daunting task.

The purpose of this article is to help the average Australian citizen looking for a home loan to find the right solution for their budget, lifestyle, and wish list.

What to Consider When Finding a Home Loan

  1. Structure

Before looking at rates or lenders, it is important to evaluate the very structure of your home loan. The fees, payment schedule, and extras that come with it can all impact your bottom line, and your interest rate. Do not look into one factor or another in isolation, instead consider the bigger picture.

  1. Deposit

Typical lenders will lend no more than 80% of the LVR (loan to value ratio) unless the home buyer chooses to pay additional for the lender’s mortgage insurance.

Some lenders provide up to the full LVR without the LMI, however that translates into higher interest rates and establishment fees paid up front.

If you are able to pay a higher deposit in the beginning, you are more likely to get cut a better deal with insurance, interest, and upfront fees.

  1. Features

Home loans in Sydney come with many additional features you can opt to undertake, such as the ability to make non-scheduled additional repayments through online banking or even at your local ATM, as well as the ability to re-fix your interest rate at a later time should the market rates change in your favour after signing on the dotted line.

  1. Transparency

In addition to looking for a lender who gets rave reviews from your friends and colleagues, realise that not everyone is experienced with qualifying their referrals. A lot of the leg work in finding the right lender or mortgage broker central coast will come through how transparent they are when providing information both online, and in person.

And transparency and the ability to ask questions should not end after you’ve signed up for your mortgage; ask your mortgage professional how they handle post-settlement issues as well. If they have a dedicated customer support team –that’s a plus. You’re paying their salaries, after all.

  1. Comparison Rates

Comparison rates are an incredibly useful tool when it comes to seeking out the right home loan. A comparison rate will assist a consumer in finding the true cost of a home loan, and is the sum of all associated fees, interest rate, and charges drilled down to a single percentage number.

This also reveals one very important fact; never shop on one figure alone –an interest rate could be offset with larger fees, and a no-fee home loan could be fraught with a higher interest rate. A comparison fee cuts through all of that for you to find the true cost of your home loan.

In Conclusion 

If you’re searching for a home loan in Australia and only took away one thing from this article, we suggest you go with number five. And if you have anything to add to this information, we’re sure our readers would love to hear from you. Leave your thoughts in the comments!

Filed Under: Finance

Know Your State’s Laws To Get The Best Rates On Your Next Loan

December 1, 2015 By admin Leave a Comment

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Despite your best intentions, you won’t always be prepared for what happens in life. Emergencies will happen whether you like it or not and usually when you and your bank account least expect them. A frozen pipe can lead to a flooded basement. The car that you rely on to get to work every day breaks down. Or maybe you have to visit the hospital for urgent care, and the resulting bill (on top of all the others you accounted for) throws your budget from black to red. Do you have a realistic plan set in place to meet your responsibilities without overdrawing your checking account? If your answer is no, don’t despair. You can handle all of the unexpected bills life throws at you with the help of a small dollar loan.

Small dollar loans come in all shapes and sizes, which can make navigating them all the more difficult. Not every loan you come across will be appropriate for your needs or financial situation. Many Americans get trapped by predatory lending companies that provide huge sums of money at the cost of restrictive rates and terms. With no means to repay a loan so outside of their means, these struggling people will add penalties and interest onto an already unmanageable amount.

You don’t want to get caught by the same trick, so it’s important to consider your lender wisely. Only contact those lenders that are licensed by your state to provide loans. The United States government has enacted legislation to regulate terms and conditions to limit those lenders that are guilty of usury. Learn what the loan rates and terms for your state are, so you can easily disregard those lenders that don’t follow them.

Unfortunately, companies learn to adapt and can still snag the unsuspecting consumer, so it’s important to look for more than just state licensing. The lender you choose should also restrict the loan amount, available to first time lenders, to $200 and $1,000. The repayment of these small sum loans should be flexible, so as to not add additional burden to your budget. When you and your lender decide on a manageable repayment program, you can confidently pay back your loan without worry.

Most often, the lenders that meet these criteria are direct online lenders which means you can quickly and easily apply online. In no time at all you can find out if you are approved, and if you are, you can have your money electronically transferred to your account within one business day. With a state licensed direct online lender on your side, you can have a realistic plan to meet all of your responsibilities. A small dollar loan from a trustworthy source can help cover all of those unexpected emergencies.

Filed Under: Finance

Investment advice for young people: planning for a secure future

May 11, 2015 By admin 2 Comments

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When you are young and busy it is easy to ignore the best long-term investments. The sooner you start considering how best to manage your investments and what type of investments to make, the better. Investments can be confusing, even for those with a bit of experience. Luckily, there are investment professionals with years of experience helping young people plan for a more secure financial future. Here are a few tips for getting started on planning your financial future:

Start now

Planning for your future means there is a lot to plan and consider. The sooner you start, the more time you have to achieve your financial goals. Goals will vary based on the individual and as a result it is safe to say that some goals can take longer to achieve than others. The sooner you start trying to reach your goals the more likely you are to succeed at achieving them. Knowing that you are being smart about your long-term objectives can provide significant peace of mind.

Seek good advice for a great start to your future

A bit of financial advice can go a long way towards making sure that you are making the right choices for your financial future. Wesley Edens of Fortress Investment Group co-founded the firm based on his passion for helping others towards a brighter financial future. Prior to Fortress, Wesley was the managing director of Blackrock Financial Management. His firm, Fortress Investment Group, has investments in real estate and debt securities and helps others successfully manage their portfolios. With more than $63 billion in managed assets, Fortress has experienced fantastic growth and profits. As leader of these profitable firms Edens has gained invaluable expertise as an investor.

Invest in a variety of sectors

The risk of losing on an investment can be daunting to anyone. When you are just starting out with a smaller amount to invest, it can be easy to just put your money in a safer investment. It is important to remember that a bit of risk can often result in better returns. You are also young enough that you have a lot of time to earn back any losses if they occur. Investing in a variety of areas can offer a good balance for many people because it spreads the risk. This means that if one sector has a loss you still might have a profit if your other investments show a good return.

Filed Under: Finance

Easy Ways to Stretch your Dollar Further

July 5, 2014 By admin 1 Comment

Sadly, for most of the people out there money never seems to be enough. Small wages, high prices and an economy that seems to always be on the brink of breaking down completely – this is how most of the families’ financial lives can be looked at. And yet, if you are wise enough with your dollar, you can actually stretch it a bit further. Here are some of the best tips on how to do this.

Save Money on Energy Bills

Believe it or not, energy bills are most likely among the most expensive thing you have to face every month. Installing appliances that are more energy-friendly, switching the tap when you brush your teeth or soap your body, not leaving the A/C turned on completely, baking less during the summer days and many other things can actually help you save quite an important sum of money just on energy bills.

Save money wisely (creative commons)

Save money wisely (creative commons)

Shop Wisely

It can be easy to fall into the temptation of throwing in the basket everything you see when you go grocery shopping. But it will be wiser of you to make a list before you leave home and actually stick to it. Also, make sure that you never leave home to do your grocery shopping without eating something before. Shopping on an empty stomach is always the worst choice of all because it will make you crave for everything you see. This stands valid for when you are travelling and cooking at the place of your accommodation as well!

Couponing

Leaving aside bad TV shows made on people who obsess over coupons, you can get great deals with these little codes. However, do bear in mind that, most of the times, they make the greatest offers for products that are on the more expensive range normally. Therefore, coupons will be great if you want to treat yourself and your family with something nice without feeling guilty afterwards for having spent too much. Also, you should know that coupons work perfectly fine even if you are a traveller. In fact, there are many coupons that offer travel-specific deals, so you may want to check them out as well.

Save on Grocery Shopping (Creative Commons)

Save on Grocery Shopping (Creative Commons)

Pay Attention to Your Phone Bill

Phone bills can get quite high, especially if you have a data plan included as well. Thus, try to keep your cost under control. If you know that you cannot actually stick to a certain plan, then do consider the alternative of buying a prepaid SIM card. You can recharge the card with whatever sum you want to and reap some pretty good offers as well – but you will never have the unpleasant end-of-the-month surprise of seeing a bill that is the double of what it was supposed to be. If you travel across the borders, then you are very likely to have this surprise. Instead of allowing it to simply happen to you, buy a SIM prepaid card and use just as much as you have on it.

Filed Under: Finance

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