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Home insurance is a necessity that every homeowner must be prepared to sign up for, often before they can even close the deal on purchasing a new property. The question isn’t “if” you’re going to get coverage, but rather “what” your options are to make sure you get the right kind of policy when it comes time to choose an insurer. There’s a lot to take in and several details to nail down when you’re a first-time home buyer, and acquiring home insurance definitely needs to be added to the to-do list. A few basic guidelines...

As a business owner or individual, there may be a time when you are looking to purchase, sell, go public or take on an investor in a business.  The first step to take with any of these ideas is to have the business valuated. In other words, determine the value of the business. It is not as simple as it sounds. The business valuation process can be finicky. How much the business is worth and to achieve fair market value must be done by a Certified Public Accountant to ensure both the seller, investor or purchaser is getting an honestexchange. In...

Dealing with the official government authorities sometimes can be like dealing with someone you can overlook paying your dues to. After all, they are not banks. They do not ask you to sign any contract. They do not threaten you with taking away your property if you don’t comply. They just demand a percentage of the money you make (called taxes) because they say so, because your contributions are supposed to help the entire nation, but mainly because they have the power to do so. However, those who have not filed tax returns and/or...

It’s no secret that car insurance for young drivers is significantly more expensive than it is for experienced adult drivers.  If your son or daughter recently got their license, you’re probably fretting about the costs associated with adding them to your car insurance policy. While the added costs of a student driver on your insurance policy could definitely put a serious dent in your monthly budget, they don’t have to be as astronomical as one might think. In fact, there are a few courses of action that you could take to mitigate...

Now more than ever before, a wide variety of financial resources are available to the general public, providing the basic information necessary to begin an investment portfolio. Many individuals that have become successful investors claim to be self-taught, learning how to be their own investment manager through tutorials available on the internet and by reading textbooks and manuals available at their local libraries. To many of us, this success sounds too good to be true, but more seasoned economic experts are not surprised by this...

The great values of a proficient PR campaign should focus on constructive news stories meant to help companies gain the trust of their customers. Delivering value at an affordable price is becoming tougher with every day that goes by. As far as food PR agencies are concerned, we cannot help buy admit that it’s extremely challenging to make people believe what you’re selling is healthier than your competitors’ products. Because of the recent downturn of the media industry, now it’s trickier than ever to create an impeccable image...

It goes without saying: maintaining a good credit rating is essential to obtaining mortgages or loans in the future. Most people understand what can affect their credit rating: missed payments, bankruptcy, and so on. However, there are a number of unexpected factors that can affect your credit score that; hitherto, you may have been unaware of. Closing a credit card account Closing a credit card account can have a major effect on your credit score. While you might think that it’s a good idea to get rid of accounts that you no longer...

Whoever said never put all your eggs in one basket definitely owns a lot of eggs. Ideally, all money should not be placed solely in the bank or in real estate or stocks and even in jewelry. As much as possible, money should be placed in different forms of investment to avoid significant loss. As a result, more and more people are investing in jewelry, particularly diamonds, because of its accessibility and value. According to Shirley Bassey, diamonds are forever. Marilyn Monroe also said diamonds are girl’s best friend. Even Rihanna...

It’s true that life sometimes doesn’t pan out like you thought it may. It’s only human nature that people grow and develop, learning that they had passions for things they never thought they once had. This may lead people to investigate the possibility of further education at a later stage in life; either training in a completely new subject or honing their skills in a specific field. However, further education is not the cheapest of lifestyle choices; degrees usually costing anywhere from 20K-50K. However, if your heart is set...

Whether obtaining a home purchase loan or a traditional refinance, there are fees that must be paid for this service. These fees, which represent various services that are a part of putting the loan together, generally fall into different categories. Basically, understanding third party fees in a mortgage will also give a clearer picture of the amount of work that must be performed in order to reach a mortgage approval. Below are 8 common third party fees that are charged to mortgage borrowers: 1. Appraisal Fee The appraisal fee is the...