3 things you should know about renters insurance

aqAswsdQa

Many unexpected things can happen at home. Some of this incidences might lead to damage to your belongings, bodily injuries, or even some financial consequences. Before the worst happens, it is advisable to get a renter insurance. Ideally, this is an insurance policy meant to protect you and your belongings. It also helps you in case your home becomes temporarily uninhabitable. Having this insurance helps take care of those unfortunate events like break-ins that are out of your control.

What does a renters insurance cover?

Personal property

aAsSdaQSd

Everything you own has some value. It can be easy to tell about the value of your belongings just by doing some math. You might imagine the effects of losing some of these valuables and the financial responsibility that would come after that. It is always not easy. Having a renter’s insurance coverage lets you address the cost of replacing your valuables in case it is unexpectedly damaged or stolen. In most instances, this insurance policy covers perils like theft and fire.

When purchasing this policy, you might be required to look at the coverage limits. This is informed by the value of your belongings. Most people go for coverage that protects the most valuable things. However, some things like jewelry require special coverage, which is not often defined in a standard coverage. It is important to work with a Home and Renters Insurance agent who will help you know better about the type of coverage offered and whether or not you need special coverage.

Liability coverage

aSdAQsqAsdaThis type of coverage is meant to help you pay someone in case you injure them or damage their property. This hardly happens, but when it does, it will certainly affect you in many ways. Imagine dropping a shoe from your window only to damage your neighbor’s vehicle. A renters insurance with liability coverage might help you deal with some of these costs. As with any other insurance policy, it does have limits. It up to you to get a limit that fits your needs.

Additional living expenses

If you have rented a home, you are assured of having a place you call until your tenancy expires. Things can be different if a hurricane or fire damage the rented home to the extent that you are not able to live in it. This insurance policy can help you deal with some or all additional costs. This includes things like hotel costs and costs on foodstuffs among other things. Again, the amount you will get depends on the coverage offered by the policy.

Getting On Top Of Your Finances With Scotland’s Trust Deed

11kjbkjfhjlkj

Introduction

Let us be objective; occasionally we get into debts that we cannot pay back with our current income. It piles up and before long; the debt burden is too huge to bear. That is the time you wish for the earth to burst open and swallow you. But it does not work that way with debts: they always have to be paid back to the last coin.
However, Trust Deed Scotland can give you a new lease to financial freedom and stability. It could be the debt management plan you need to find your way back to financial sanity finally.

Why trust deed could be the way out for you

22.mblkmgkljl;kOnce you are deep in unsecured debts, resurfacing to financial stability may be a big challenge. But with a trust deed, this one is no longer an impossibility. It could be achieved as long as you pass the legibility test.

But why would you opt for this plan to manage your debts? Sometimes you do not have any other alternative. The reasons below would explain more.

You get a chance to manage all your debts from one central point

Having to deal with each debt on its own will further complicate your way to financial recovery. Every debtor will be on your back, and you cannot have a good plan for your income. But once you are in the trust deed, all your deeds are managed from one central point. No more calls from debtors since your insolvency practitioner (IP) has everything taken care of.

  • You will be paying what you can afford

Without this debt management plan, you are expected to pay up your debts to the last coin. It does not matter whether you will be left with anything for your living costs or not. But now you will only pay your debts with what remains after your costs of living. Nobody will be dictating to you some installments you have to pay. In a way, you are in control of how much you pay for your debts.

  • Portions of your debts will be written off

The debt payback period is usually four years with room for extension. Once the period is over, your remaining debts are written off. You get a clean financial slate. From there you can bring some sobriety to your financial management and avoid similar occurrences.

  • It gives you back control over your assets

33nbjgnlklj;With mounting debts that you cannot pay back, your assets will be at risk of being sold to recover the debts. But with the trust deed plan, you regain significant control over what belongs to you. Now that is what you would want in your endeavors to regain financial ranking.

For those in Scotland and do qualify for the trust deed, this could be financial gift. It could be the one final chance for you to put an end to your bad debts. As long as you can learn a few lessons from this, it will be helpful that you will not be making the same mistakes in the future.

Direct Debit – What Makes It Unique And Different From Debit Cards?

11klfkgjorj

Introduction

It would seem that banks are regularly coming up with new ways for us to conduct our financial transactions. From the paper checks and credit cards to the ATM cards, debit cards, and ACH electronic transfers, we’ve always had reliable means of paying our bills and transferring our money. Of course, with each new method comes a special set of regulations and fees passed on to account merchants and holders.

A smart businessman or an account user will know how to fully take advantage of any new system. But to do that, they need to know the characteristics and the features of a certain system. The purpose of this article is to cover the direct debit system, which has quickly become one of the most popular payment systems in the world. Therefore, if you are not quite familiar with it, stick with us. Additionally, you could also check Debit Direct, if you need a good direct debit advice or some extra info.

The basics of Direct Debit

22nbklkljfkThis payment method is undoubtedly one of the easiest methods of deducting a payment straight from a user’s bank account. While it is based on a premise of a paper check, it takes it to a whole new level, thanks to its electronic means of transfer. Simply put, with a direct debit, you will not have to write paper checks ever again. Your clients and customers will simply give you the permission to collect your debts and payments by taking funds directly from the savings or checking accounts and transferring them to your account.

Typically, direct debit is used for regular transactions or auto-recurring billing, such as energy bills or monthly rents. With it, a customer does not have to write checks each month, and they only have to provide a single written permission to allow funds being withdrawn from the account.

Key differences between a Direct Debit transaction and a Debit Card Transaction

Now, since Direct Debit and Debit cards function similarly, you might be confused as to what are differences. Each method authorizes a money transfer from the user’s account and, from a customer’s point of view, they are the same.

However, from a business’ point of view, they are quite different. The transactions themselves are conducted via different networks, while the processing charges are also different too.

Debit card

A debit card transaction will require a business owner to obtain a special business account and to sign a long-term contract. Additionally, they will be required to pay a certain fee to open an account. These transactions are typically processed via the same network as credit card ones, and deposited to a business owner’s account, but without a flat commission. This lack of a flat commission is also known as a discount rate, which is usually lower as opposed to credit card transactions.

Direct debit

33kjdgjrjhOn the other hand, the Direct Debit method utilizes the ACH (Automated Clearing House) network, to move funds from one account to the other. With it, you can also use your standard business checking account too. But first, you will have to sign a contract with an institution that will manage the ACH transactions. In most cases, this is not a long-term commitment. There is not an initial fee, but you will have to pay a fee for every transaction. Fortunately, this is usually a flat fee, which is quite low and which does not depend on the size of the transaction.

Choosing The Perfect Mortgage Lender

lksnfvklnkasldnvlkasndvlksandlvknasldkvnlkasasdv

If you are looking for the best mortgage, there are a lot of special things you are required to consider. First, when you are looking for the best mortgage, make sure that you determine your personal needs first. This is because there are a lot of different types of the mortgage lender to choose from. Therefore, after you have determined your need, it will be easier for you to know some of the crucial qualities to consider.

Also, when you are choosing a mortgage lender, it is your duty to ensure that you choose the best mortgage lender. Lenders such as Fairway Independent Mortgage Corporation will give you the best deals that you will be happy and comfortable with. Therefore, before you make any decision concerning the best mortgage lender to choose, ensure that you have researched a lot. The following therefore are some tips to put into consideration when you are choosing the perfect mortgage lender.

Selecting a mortgage lender

Ask questions

sdknvskdnvknsadlkvnsalkdnvlknasdlkvnlaskdnvasdv

It is important to ask questions when you are choosing your best mortgage lender. You need to ask more concerning their services to make sure that you get quality services after you have made your selection. Make sure that you prepare for some of the questions you will ask the lenders. If you some of the lenders you are interested in does not satisfy you, then consider other different lenders.

Look for a variety

When you are looking for the perfect mortgage lenders, it is recommended to consider checking on the variety of lenders that are available. There are many lenders that have different and best lending options. Therefore, you are advised to consider the best lenders that have the best options that will satisfy your needs. Therefore, make sure that you consider this option if you want to choose the perfect mortgage lender.

The rates

This is another important component you need to remember when you are choosing your mortgage lender. Consider the mortgage with the lowest rates. This is because you will be required to pay your mortgage back. Also, if you want to choose the best mortgage, make sure that it has competitive rates. This will help you to choose the best mortgage that will meet your requirements.

References

It is also essential to consider talking to your friends or family members concerning mortgage lenders. You may happen to find some of your friends who know these lenders. They will, therefore, advise you to choose the best mortgage lender that they will recommend. Therefore, it is important to talk to your friends concerning mortgage lenders before you make your final decision. Listen to their suggestions first before you make your conclusion.

Mortgage brokers

lskncalknlvkASKNLAKSNCKANsklcnlasnclkACSAnother way to find the best mortgage lenders is by considering mortgage brokers. This is because they may offer a wide variety of options that are likely to meet your mortgage needs. That is why you are recommended to consider them before you make any selection. Therefore, by considering the above tips, you will choose the best mortgage lender.

Tips On How To Apply For Cash Cards

With the advancement of technology, everything can be done online. This includes the application of cash cards. Umay Plus cash card application  is as easy as entering your details and filling an online form. However, it takes a lot to get your cash card approved. Here are ways you can apply for a cash card and get it approved.

Knowing your credit core

Before a cash card company decides to issue you with a cash card, they will first have to put your credit score into consideration. Different banks classify peoples’ credit scores differently based on different factors. Therefore, if you know that your credit history is not that good, it is advisable that you put it aside for sometimes before you can apply for a cash card. In the meantime, you can do things that will make your credit score to rise. You can start by ensuring that you make your payments on time, avoiding new debts and ensuring that your balances are low on your current credit cards.

Reduce your debt

Do you know that banks use 30% of how much you owe to determine your credit score? This means that if you have high credit balances, you will have low credit scores. Your credit utilization ratio should also be below 30%. The credit utilization ratio is the ratio of your balance to your credit limit. If you want to lower your credit utilization, you will have to ensure that you lower the balance on your credit card. You can do this by paying down all your credit balances.

Avoid first offers

Having a low credit score means that getting approved for a large sign-up bonus will be difficult. You should, therefore, avoid applying for credit cards if you are not sure you will qualify. This is because each application will be reflected on your credit report. You should only apply for a card with offers that you are sure fits your credit profile.

Show your income

Although your credit score is used to determine whether you qualify to be issued with a cash card, still, lenders need to know your income. Your income is very important to card companies and banks since they use it to determine your debt-to-income ratio. To increase your qualification for a card, you need to lower your debt-to-income ratio. You can do this by increasing your income or lowering your debt.

 

Beginner’s Guide To Managing Your Money Effectively

454657uytr

Even though all of us learn very vital lessons from our education system, the system never teaches us on how we can manage our money. You will encounter an individual who is very skillful in whatever they do, but they will commit both major and minor mistakes in the process of managing their money. Everybody is aware of the financial crisis that is facing the world. Considering all these factors, it is about time that we look at the tips that one should use to manage their finances more especially if it is now that they are starting to earn.

Guide to managing your earnings

Understand your flow of income

56576iyfhdAnother important thing is to understand the flow of one’s income. You should establish your true income. In this case, the true income is the pay that you have minus all the other deduction. The deductions include tax, pension, and other compulsory deductions. If you are under self-employment or into business, you are supposed to pay yourself and discipline yourself to live within that salary. Make sure that all your budgeting is drawn from the net income. Therefore you should know that for you to manage your resources properly, you should know the actual income that you have.

Set up a budget

The most important tip that one is supposed to put into consideration is the setting up of a budget. You are also advised to strictly stick to it. The best rule that you should adhere to here is to spend less than you earn. The one advantage of having a budget is that it will enable you to track all your spending. For instance, you will know what you spend money on, on a daily basis. Here it will be paramount that you do away with the small routine expenditures.

 

Manage your account actively

You will be surprised to learn that some individuals don’t know what goes on with their bank accounts. As a new earner, you are supposed to keep all the records of the money you deposit into your bank account and the money that you withdraw from it. At the end of the month, be sure to ascertain that what you have in your bank account, tallies with what you have in your calculation. If there is a place you are not able to explain your expenditure, do not hesitate to contact your bank.

Start saving

Since you have a budget in place, you can track your daily and monthly expenditure, and you are probably spending less than you earn it is about time you start saving. Be sure to keep a savings account so that whenever you receive your salary, or any earnings if you are a business man, be sure to put some portion away for savings. The easiest way to save is by giving standing orders to your bank to transfer your savings to a designated account ones your salary account is credited.4567uytyrtr

Invest

If you invest part of your salary or savings, you are committing your money to work for you. Use some portion of your savings to make a small and regular investment.

By putting the above tips into practice, you will be amazed at how quickly you will gain financial freedom.

TR35 Colombia

mios TR35 Colombia


El MIT galardona a los diez jóvenes colombianos más innovadores con los premios TR35 Colombia

El Instituto Tecnológico de Massachusetts (MIT), a través de su revista Technology Review, llega a Colombia con el objetivo de reconocer el trabajo de los diez innovadores más destacados menores de 35 años.

Los premios TR35 Colombia

El Instituto Tecnológico de Massachusetts (MIT), a través de su revista Technology Review, busca cada año, desde hace más de una década, a los jóvenes innovadores menores de 35 años más destacados del mundo para otorgarles los premios TR35.

Este año, Technology Review en español convoca la primera edición de los premios TR35 Colombia. El objetivo es encontrar trabajos fascinantes, inspiradores y nuevos capaces de revolucionar el mundo de la tecnología y los negocios en un futuro próximo.

Los premios abarcan un amplio abanico de sectores de actividad, desde la biotecnología, el desarrollo de nuevos materiales, energía, software, transporte e Internet entre otros.

Buscamos a personas cuya labor en cualquiera de estas áreas suponga una gran promesa de desarrollo de cara a las próximas décadas.

Nuestro objetivo es reconocer el desarrollo de nuevas tecnologías o la aplicación creativa de las ya existentes para resolver los problemas actuales. Queremos recompensar* el trabajo creativo, original y relevante no sólo para la industria en la que se enmarca, sino para la sociedad en su conjunto.

Para saber qué tipo de proyectos pueden ser merecedores de un premio, se pueden consultar los perfiles de los ganadores de la pasada edición de los premios TR35 Spain 2011 aquí.

* Los premios TR35 no conllevan remuneración económica. Los galardones otorgan prestigio, contactos para el desarrollo del proyecto y la posibilidad de formar parte de una comunidad internacional.

Anteriores ganadores de TR35 Global

David Kobia Mark Zuckerberg Sergey Brin Danah Boyd
Ushahidi, 2010 Facebook, 2007 Google, 2002 Microsoft, 2010

Qué significa ser TR35 Colombia

Los premios TR35 han consolidado un gran prestigio internacional y son una herramienta perfecta para descubrir jóvenes talentos con grandes proyectos de innovación.

El único requisito para poder optar a un galardón es que el candidato sea menor de 35 años en la fecha de entrega de los premios. Se buscan jóvenes colombianos o residentes en Colombia que, cumpliendo esa premisa y, mediante el desarrollo de nuevas tecnologías o la aplicación creativa de las ya existentes, destaquen de forma considerable en su área de investigación y sean una promesa para el futuro.

Los aspirantes pueden desarrollar su trabajo en universidades, centros de investigación públicos o privados, negocios emergentes o grandes compañías, entre otras instituciones o empresas. No pueden proponerse a sí mismos sino que han de ser expertos en sus áreas de conocimiento o personas de su ámbito profesional o académico quienes presenten sus candidaturas. Puedes proponer a tu candidato aquí.

Un panel de jueces seleccionará entre los candidatos a los diez jóvenes innovadores con proyectos más destacados. Entre estos diez ganadores se concederán además otros dos galardones: Innovador del Año e Innovador Solidario del Año.

Javier García Martínez, premio TR35 Global, en la presentación de la primera edición de los premios TR35 Spain.

Si tienes alguna duda puedes consultar nuestra sección preguntas frecuentes o ponerte en contacto con el departamento de competiciones: tr35.colombia@technologyreview.com

Los medios de comunicación y periodistas pueden ponerse en contacto con el departamento de prensa: press@opinno.com

Nomina Colombia
Calendario

13 de febrero de 2012
Lanzamiento TR35 Colombia.

16 de abril de 2012
Fecha límite de presentación de candidatos.

Julio de 2012
Ceremonia de entrega de premios.
Patrocinado por:

Media partner

Affiliates

Organizado por:

Technology Review en español ofrece la oportunidad de establecer acuerdos de colaboración y patrocinio para los Premios TR35 Colombia. Más información: alianzas@opinno.com