Bad debt can seriously impact a company if it is not handled properly. Take a look at Bear Stearns or Lehman Brothers. Both of these companies ended tragically when they had to write off their bad debt. Bad debt can ruin your financial books and even your reputation, making it hard to secure financing....
Single Premium Immediate Annuities (SPIAs) And IRAs
A single premium immediate annuity is an annuity contract with an insurance company in which the contract owner contributes one lump sum (single premium) and immediately begins to receive annuity distributions either monthly, quarterly, semi-annually or annually from the insurance company. Oftentimes the agreement with the insurance company is to receive a specified amount...
What Is Consumer Credit Counseling?
There are times when consumers need help with their debt. While there are many ways to get help, one of the most effective is to use consumer credit counseling services. These organizations and agencies can go by different names. You may hear of them as debt consolidation or debt management companies. These types of...
Recovering Bad Debt
Individuals are likely to give attention to debt and how shoppers can get out of it, but there may be another side to the story. Those people all owe money, but to whom do they owe it to? There are lots of bigger companies which have their own debt restoration departments, or they rent...
Avoiding Common IRA & Retirement Plan Investing Mistakes
Avoiding Common IRA & Retirement Plan Investing Mistakes It is common for IRA retirement account owners to feel that they are in over their heads. Simple IRA limits and rules can be complex and intimidating. The rules regarding the contribution limits, when and how distributions are made, and who is allowed to be a...
Opt In Email Marketing List Building Tips
Off line business owners and Internet business owners are using email marketing opt in list building. Both are finding it profitable to market products to customers who agree to receive emails. This is what makes a list an opt in one. People agree to receive email which is different than sending out spam emails....
0 APR Credit Card – Truths and Traps
If you are struggling with ever-increasing credit card debt, a 0 APR credit card could be the magic wand for you. There are a number of 0 APR credit cards in the marketplace. These 0 Interest credit cards offer cardholders zero percent on new purchases and certain 0 APR credit card offers also allow...
Benefits of Setting Up an Individual Retirement Account
There are a variety of ways to save for retirement these days and opening up an individual retirement account, or IRA, is one of them. If you are surveying your financial options with regard to saving money for your later years in life you will have undoubtedly come across the option of an IRA....
Professional Indemnity Insurance is Not a Luxury
Professional indemnity insurance sounds highbrow doesn’t it? What does it mean and how important is this type of insurance? The basic purpose of this insurance is to insure those who give professional advice in any sort of professional work. For instance a stockbroker or a doctor are both at risk of being sued for...
What Do the Letters IFA Mean?
They are probably the three most important letters for anyone dealing in the area of financial services and products, whether as a consumer or a fellow professional. The IFA – or Independent Financial Adviser, to give the acronym its full title – is probably the most central and key player in the market for...
Get Affordable Fixed Rate Mortgage Loan Rates
A fixed rate mortgage loan is a mortgage loan where the interest rate on the note remains the same through the term of the loan, as opposed to loans where the interest rate may float. Other forms include interest only mortgage, graduated payment mortgage, flexible rate including changeable rate mortgages and tracker mortgages, negative...
Financial Advisor – How Do You Achieve Competent Advisor Status (CAS)?
Each advisor firm will outline in writing how it determines advisor competence. The majority of firms will use a combination of tests, role plays and accompanied client visits. A outline CAS training program would usually include the following: Induction Course – This should outline how the individual firm operates, how it deals with clients...
RSS
POSTS BY EMAIL
