5 Weird But Creative Personal Finance Tips

5 Weird But Creative Personal Finance Tips

I think most of you are aware of the shrinking global economy unless you have been hiding in the Himalayas for the past two years or so. Making money, in today’s scenario, is not easy at all. You have to reduce your spending, work 15 hours instead of 8, stop partying, but you don’t save a negligible amount to pay your credit card bills.

You say, “I’m trying everything to improve my financial stability.” I’m sure not. Below are some strange but smart personal financial tips to make money fast.

1. Medical Research

No, I’m not asking you to do medical research. That will be done by doctors and doctors. You only need to lend your body for research. This is not as terrible as it sounds because all trials and tests are carried out under expert supervision and they must comply with strict laws. I don’t know about other countries, but in the US they make sure your body is safe when doing tests. Normal trials include testing doses of drugs that have been tested carefully, but not in humans.

There is no need to be in a good condition to get involved because drugs are not for healthy people. Although some research looks for a healthy body, most of them look for smokers, or obese sufferers, or asthma sufferers. Those who are interested, be prepared for small side effects.

2. Blood trade

Donating your blood is a virtue. But this is an opportunity in a recession. In the US, you can earn up to $ 40 per donation. It’s safe to give a bottle of blood from your body at a certain time. Humans recover lost blood in a day. That means you can get $ 40 per day. However, it is not recommended to donate every day.…

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Investor Presentation – Powerful PowerPoint Pointers

In an earlier article entitled, “The Investor Presentation – Your Chance to Set The Hook”, I talked about the importance of making an effective, compelling investor presentation. I mentioned that an investor presentation was an opportunity to make a great first impression, establish credibility and create trust. Today I would like to pass along some pointers that will help you do that. And remember, these pointers don’t just apply to investor presentations, they apply to any presentation.

Your slides should be used only for the purpose of supporting your verbal remarks. Your slides should not draw attention away from you. Again, they should support you, not complete with you for audience attention.

The best way to accomplish this is to keep the slides simple. Limit each slide to 3-4 bullets, use fonts that are large enough to be seen from a distance and contrast with the background of the slide.

Use as few words as possible on each slide. Try not to use industry specific jargon. You do not want to confuse your audience or leave them wondering what you are talking about.

It is important to use graphs, charts and images, but use them selectively. You will not achieve any of your business goals simply because of how clever you are at creating graphically pleasing PowerPoint slides. Also, don’t forget that the slides should be easily printable on a black and white printer.

Put energy and passion into your presentation. Have fun and relax and make your audience feel at ease. We are hard wired to enjoy a story. We’ve been listening to stories since we were born. So, use the presentation to tell a great story about your business. Try to concentrate on the 3-4 most important issues you want to discuss. Don’t try to do …

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How To Prepare For A Mortgage

Getting a mortgage for a home will always be a big decision to make and for most people buying a home will be the biggest purchase that they make throughout their entire lifetime. While finding the perfect house for you and your family is one stressful part of being a homeowner, getting your home financed can sometimes be even more stressful. Fortunately, there are certain things that you can do to prepare to apply any kind of  mortgage loan programs plano tx that could make the process go a lot smoother. One of the worst things that you can do when applying for a mortgage is to be unprepared so here are a few things to keep in mind.

How To Prepare For A Mortgage

Know Your Limits

Whether the market is rising or falling when it comes to the prices of homes in the United States, it’s important to know just how much of a loan you can qualify for when purchasing a home. Many lenders use a similar formula when it comes to calculating how much they would approve a loan for that states that your mortgage shouldn’t be more than 28% of what your gross income is. In addition, your revolving debt payments including the proposed mortgage shouldn’t be more than 36% of your total gross income. While this rule isn’t steadfast, it’s a good guideline for figuring out what kind of mortgage you may want to ask for.

Have What You Need

When you are applying for a mortgage, there will be a lot of paperwork that you will have to have. This package of materials is fairly standard for most mortgage lenders and includes things such as recent pay stubs, tax records, and bank account statements. If there are any large withdrawals or deposits associated with your bank account, you …

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Types of Short Term Loans

Types of short term loans

The loans paid in less than a year are known as short term loans. The short payment period term the possible sum of money you can borrow. Usually the possible amount of money you can apply for short term loan is $100 to around $1,000. Therefore, for small or emergency expenses short term loans are good decision. Short term loan is the best solution if you find yourself in a critical financial situation.

You can refer Short-term loans either to personal needs or to business purposes. In the first case, these loans cover any personal or emergency expenses between paychecks, health care or education needs, or even for vacation. Also, short term small loans online support business needs such as startup or a new plan funding and any emergency expenditure

Basically, small term loans have high interest rate. It covers a risk related with assure you with a loan. Always try to avoid falling into a trap is assemble payments on time and not skipping them.

While looking through the source of short term loans, it is important to remember that some source of loans will be suitable for some businesses, but not for others. When starting new businesses, some banks will give only shorter term loans, because longer terms loans are more risky than short term loans.

Like traditional long term loans, short-term loans normally require applicants to pay interest on the principal proceed, and usually involve smaller cash amount and shorter refund periods. Furthermore, short-term loans can be easier to obtain than their traditional long term loans.

There are various types of short term loans that a business can benefit of at varying terms and conditions:

Determine Cash Flow Issues

¬†Short-term loans may be helpful to resolve your cash flow issues if your business has a cyclical …

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