Take Control of Your Finances with a Financial Plan

Imagine the structure of your house: there’s a foundation, a frame, a roof and the siding. What would happen to your home if one of those major pieces was missing? Now imagine your financial situation as also being comprised of equally important parts. These parts can be more generally broken down into your assets and liabilities, your protection from risk, your investments, and your tax situation.

Together, these parts reinforce your financial foundation so that you can be more prepared to protect and preserve your wealth in tough economies and volatile market conditions. But, without one of these important parts, your financial foundation is less stable and could be exposed to challenges that may arise in the future. These vulnerabilities in your financial situation can wreak havoc on your long-term objectives, your family, and your lifestyle.

By taking into account your current financial situation including your assets and liabilities, your protection needs, your investments, and your tax situation, while exploring options on solidifying your financial core, you can protect yourself from setbacks along the way and pursue your future goals more confidently.

Let’s start with the basics – assets and liabilities

Your income is central to pursuing all your goals. Basic financial principles dictate that what you bring in must exceed what you send out. All the excess income should be applied toward your investment goals and simultaneously to build and emergency cash reserve, and pay down debt such as your mortgage and credit cards.

Build your cash reserve You must have cash available when you need it for emergency situations. So when something unexpected happens such as a job loss, you can pay your day-to-day expenses without tapping into your assets that are set aside for your long-term financial goals. That’s why it is critical to have a systematic savings strategy to build an emergency cash fund of at least 6 months. This way you will be able to cover short- and long-term emergencies.

Your short-term reserve will cover frequent minor emergencies such as a leaky roof or car repairs. Your long-term cash reserve is for more significant changes such as a job loss or a disability. A short-term cash reserve typically consists of short-term liquid investments such as savings accounts, money market accounts, whereas a long-term reserve investments offer lower liquidity but higher rates of return such as certificates, Treasury notes, and CDs.

An added layer of protection may include establishing a home equity line of credit as part of your emergency fund. Keep in mind, it’s much easier to qualify for a home equity line when you are employed.

Without a sufficient cash reserve as a safety precaution, difficult financial times can lead to worse times especially if those times include you withdrawing cash from your long-term investments to get by, which can worsen not only your current tax situation but also your future standard of living.

How To Get Medical Insurance For A Surrogate Mother

Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and then find out there was an error and her insurance company refuses to cover the pregnancy? Or what if she loses the coverage halfway through the surrogate pregnancy?

There are not too many private insurance companies out there willing to insure a preexisting condition, such as an already pregnant woman. (And if you find one, please let me know!) The options are few in this situation. The intended parents can either pay for the rest of the medical bills in cash, hopefully negotiating a better rate directly with hospitals and doctor’s offices, or they can purchase a discount medical card.

A discount medical card will save the intended parents some considerable money, but it is not the same as having actual surrogate insurance coverage. Still, it’s a terrific option for those in this sort of sticky situation, and can be obtained after the surrogate mother is already pregnant.

Commercial Truck Insurance Many Coverage Options Available

Insurance coverage is often considered complicated and confusing. Commercial truck insurance is no exception. This is because the truck industry is highly diversified and many regulations exist to govern it.

The many forms of commercial truck insurance provide motor carriers and independent owner/operators with all the coverage they need to protect themselves and their assets.

The following are several examples of coverage options for both large companies and independent haulers.

General Liability

This coverage protects company employees and vehicles with liability coverage. Damage and injury costs are covered for employees and employers are given protection against lawsuits from accident victims.

Primary Liability

This type of coverage is required by federal regulations and covers damage and injury costs incurred by third party motorists involved in accidents caused by commercial truck drivers.

Physical Damage

Independent drivers are encouraged to purchase these policies in order to protect their own assets, such as their trucks. Damages caused by fires, theft, vandalism, and accidents will be covered up to a pre-determined amount. Considered the minimum policy coverage a driver should purchase to feel protected from the various situations that occur.

Non-Trucking Insurance

This form of liability insurance is a more cost-effective form of coverage for independent drivers. It covers drivers when not on active dispatch and therefore not covered by their contracted employers policy.

Trailer Interchange Insurance

This coverage is for instances in which trailers are being exchanged between two different companies. Trailer interchange coverage will cover the cost of any damages to the trailer or its cargo while being hauled by an outside party.

Cargo Insurance

Many commercial truck insurance policies do not cover the actual cargo, just the truck itself. Cargo insurance protects the goods that are being transported, as well as protects if those goods fall out or cause harm to another driver.

Freight Insurance

General freight insurance protects companies that haul dried goods ranging in value from $10,000- $100,000. Freight valued higher than $100,000 typically needs additional coverage.

Dump Truck Insurance

The defining quality of Dump Truck Insurance is the mechanical moving parts of the truck. Because the back of the dump truck is a machine itself, it requires special a policy for those that could be injured by operating it.

Commercial Truck Insurance Policies Dump Truck Insurance

The tow truck. The cement mixer. The crane. All of these trucks have a reputation as biggest, baddest, and most recognizable in the trucking industry. But none of them pull weight compared to the dump truck. Even from an early age, kids receive toy dump trucks, either as small hand-held toys or riding vehicles. From the distinctive back container to the brilliant colors, the dump truck is known to all ages. And it is also important to the construction industry, which is why the right commercial truck insurance policy is so crucial to protect your business.

Dump Truck Insurance

One of the reasons why dump truck insurance is different from other types of commercial trucking insurance is that the entire back of the dump truck is a moving part and must be insured as such. Like cement mixers and cranes, the dump truck is a piece of machinery as much as it is a simple hauling truck. This means that the driver or operator must receive insurance to not only protect it from damage while transporting materials, but also while dumping them onto the construction site, city dump, or wherever they must be placed.

If a worker were to get injured while operating the mechanism to empty the cargo from the bed, he may be covered under workers compensation insurance, based on the situation and safety practices employed. But to fully protect your business from potential damage or lawsuit, purchase dump truck insurance.

Aggregate Insurance

Aggregate insurance protects drivers who transport a sedimentary compound made up of gravel, dirt, mulch, asphalt, rocks, and concrete in different mixtures. These materials are commonly carried by dump trucks because they are easy to, well, dump. Aggregate also has a very low monetary value, so can be cheaper to purchase commercial truck insurance for it. In fact, many dump truck insurance policies include aggregate haulers insurance as part of the package.
Ask your insurance agent if your dump truck or business qualifies for this benefit.

Truck Insurance

Dont wait to see what kind of package you could receive for your dump truck insurance or general commercial truck insurance. The dump truck is an iconic American vehicle; treat yours with the esteem it deserves.

Small Installment Loans-Convenient financial assistance for quick relief

Short term and unforeseen financial expenditures often create disturbances in life. The assistance of small installment loans is powerful financial tool that let you arrange the desired loan money with ease and flexibility. Thus, to overcome your financial troubles without undergoing any fuss, check out this monetary aid for better and effortless financial support. It would let you arrange the money for meeting your fiscal troubles at ease.

The assistance of small installment loans is quick and hassle free in nature that helps you to get over your low financial standings with ease. You need not have to arrange any valuable asset to pledge against the loan amount. Funds that you are allowed to borrow can be ranges from $100 to $1500 with swift repayment period of 14 to 31 days. To match up with your financial budget, spend this loan money for meeting any desired purpose such as meeting medical care costs, grocery bills, utility bills, tuition fees of your child, credit card dies etc.

Quickly qualify the mentioned below eligibility criteria to get the assistance of no credit check small loans, such as:

1. Permanent citizenship of US

2. Bank account not more than three months old

3. Regular employment from the past same six months

4. Complete the age of eighteen years or more

5. Earning should be at least $1000 per month

If your credit scores are no so perfect and you are facing some monetary pressures, small installment loans are still for you. There will be no credit pressures. Therefore, even if you are tagged with several bad factors like insolvency, foreclosures, skipped payments, late payments, arrears, defaults etc., you can still enjoy this loan aid. One need not have to face any credit issues at all.

Internet is the great technology that let you enjoy the finance right away with the comfort of your doorway. You need not have to visit to lender to lender in search of the loan deal. PC with internet connection will let you enjoy the loan deal at most reasonable rates. Moreover, application does not demand long hours. Just a single online application form is required to be completed with few personal details. Loan money will transfer in your checking account once you are approved.

In order to remove the financial distress that arises due to shortage of finances, apply with small installment loans for better and swift monetary aid.

Money Matters Financial Services Pvt Ltd. has Been Serving Various Corporate Sectors

MMFSL has Been Serving Various Corporate Sectors

Financial stability is very important for the sustained economic growth of any country as it enables various companies and corporate sectors to start new projects and business. Without a strong financial system the development of the country will be effected and growth restrained. Money Matters Financial Services LTD is a leading financial service provider that offers innovative and intelligent solutions to various corporate sectors located worldwide with their comprehensive products platforms. Their expertise in financial matters has set them apart as an industry leader.

Money Matters Financial Services LTD. encompasses a broad range of financial services that includes advisory, consultancy to various corporate and institutional clients. Their expertise includes debt syndication, financial restructuring and debt placement. Money matters has the capability of perceiving the true potential of the clients business and the means to enhance their value.

Money Matters Financial offer the corporate sectors a more sophisticated range of financial services. With the exposure to global practices, Indian customers have become more discerning and demanding. So, it is important for the financial service providers to continually improve its competitive strength both domestically and globally. Money Matters specialized knowledge and expertise of the changing Indian market has enabled them to serve various corporate sectors with perfect financial solutions. The company also offers corporate finance advisory that has enabled the business owners to take critical decisions and attain their business goals successfully.

Money Matters Financial understands that every business has their own needs and that they are different from the other, so they offer their clients customized solutions to suit the business requirements. The company believes in building a strong relationship with the customers by offering unparallel financial services that are innovative and maintain ethical standards. The company enables different corporate sectors to implement the right strategy and attain their goals. Today, corporate managers only have to choose from an array of financial instruments based on their needs. Money Matters exceptional business growth over the past few years has made them one of the leading financial service providers of the country.

Summary
– Money Matters Financial Services LTD. is a leading financial service provider of the country offering customized solutions and corporate finance advisory to different sectors. The company has witnessed exceptional growth over the past few years and is proud to have a long list of satisfied clients.

Life Insurance The First Item On Your Bucket List!

A bucket list is defined as a list of the things you would like to achieve before you die, or before you ‘kick the bucket,’ so to speak. The term was popularised by the 2007 film The Bucket List, starring Jack Nicholson and Morgan Freeman. Whether it lists one item or 10, a bucket list details your dreams and goals for your time on this earth. Parachuting, climbing Everest or owning your own home, bucket lists are as varied and diverse as the people who draw them up. A bucket list assumes that we will lead full lives, that we will be blessed with the 10, 20 or even 30 years we need to tick off all the items on our list. Sadly, for many people, this is not the case and our lives are often cut tragically short. It is for this very reason that the first item on your bucket list should be to invest in life insurance.

Every plan we make and every dream we have assumes that we will live to a ripe old age. Our career path, our dreams of the time we will spend with our grandchildren and our retirement planning all work on the assumption that we will be granted the biblical ‘three score and 10 years’ or 70 years on this earth. While we all know that death is always just a hair’s breadth away, we very rarely face up to or plan for this reality. As a parent and breadwinner, however, planning for your own death is essential.

As a parent, caring for your children is one of your first priorities. You earn the money they need to survive, you care for them when they are ill and spend hours helping them with their homework. You are their anchor and their shelter in this world, ensuring that they are clothed, fed and sheltered. Your job as a parent is not done, however, if you have not planned for the day that you are not there to look after them, the day that you pass away before they are old enough to look after themselves.

To ensure that your family has the funds they need to stay financially afloat in the event of your death you need to invest in a life insurance policy. Your life insurance payout will help your partner or spouse carry the cost of supporting the family on one salary. It can be put towards living expenses, school and university fees and healthcare. It can even be used to pay off some of your unpaid debt.

While it is important to plan for the future, to list your dreams and goals, it is also important to plan for your untimely death. Invest in a life insurance policy today.

Home Insurance India – Protecting Your Home Against All Calamities

A home is considered as an investment for your entire lifetime. To protect your valuable investment requires a lot of money and time. It is vital to have a Home insurance in India to protect your home against many potential damages and natural calamity. If your home is not protected by insurance you might incur heavy losses if there is a theft, damage to the building or its contents. Home insurance provides coverage for all household properties including electrical appliances, valuable, jewellery, furniture, etc. Loss of jewellery and other valuables are covered by home insurance against burglary or snatching. Breakdown of domestic appliances are also insured against.

Home insurance provides insurance against buildings, its fixtures and fittings. It also includes renovation against fires or earthquakes. Insurance is provided against underground services beneath the building like sewer, drain, water, drain inspection covers and electricity cable. It is also possible to cover capital additions and improvements not beyond ten per cent of the insured amount. Tenant fixtures are also insured depending on exclusion on transfer of the right to occupy the house.

Home insurance excludes insurance on certain grounds. Loss or damage of property by war or violent activities is not protected by home insurance. If damage to insured property is caused by will or negligence, then home insurance will not pay for any damage. If articles of delicate nature are cut or scratched or broken then home insurance does not provide cover. Home insurance is responsible for providing insurance against legal liability of domestic help or other third parties. The type of objects covered will depend on the plan of home insurance selected.

Every small item in your home is precious in some or the other way and needs to be protected by home insurance. These objects are equally important to you as your family. Home insurance ensures the safety of your home and household property against theft or burglary, natural calamities or accidents. Several levels of protection are provided by insurance companies and you can choose a plan suitable to your needs. You can pay for the item you want to insure. So buy a home insurance policy and protect your home against major losses.

Before you buy a policy, you can also use a home insurance policy calculator and get an estimate of the cover you should buy. Also, watch out for discounts if you buy your contents and buildings assurance from the same provider. Do shop around, but also keep in mind that the cheapest cover may not be the best value, so be careful and make an informed choice!

Payday installment loans-Cope up with your uncertain financial emergency

To grab the pertinent financial solution to meet your financial needs, here are payday installment loans for you. This is one of the feasible monetary aid that solve your mid month cash problems in the least possible time. Thus, whenever you face some financial hassle due to your insufficient monthly income, this is the easy and worthwhile financial aid for you to solve the unwanted and sudden financial instability with ease and convenience.

Payday installment loans are one of the comfortable sources of financial deal for the applicants who often face troubles in the repayment. These loans come with flexible repayment terms in which you can pay back the loan money in installments. Thus, enjoy the aid of this financial deal for the better support. Moreover, this is a small and temporary financial aid that is short term in nature. Therefore, you need not have to bother at all to pledge any valuable asset to pledge as collateral. Enjoy this loan aid without undergoing any collateral assessment and paper work hassle.

Plus, the good thing of installment loans is that you need not have to under go any credit checking process. Thus, do not get embarrassed to disclose your credit scores in front of anyone. It does not matter what type of credit scores you are holding whether good or bad, you can enjoy this loan aid. Arrears, defaults, skipped payments, late payments, foreclosures etc. are also acceptable by the lender with no issues at all.

Here is a simple criterion that needs to be followed to get approved with payday installment loans. To get applied, the applicant should hold a valid and active checking account and should be in regular employment. Plus, he should be a regular employment earning at least $1000 per month. You need to be a permanent citizen of US and should be an adult with eighteen years or more. Once you meet these terms, you will get the assistance of this loan aid with no snub at all.

Search he affordable deal of payday installment loans at World Wide Web with the careful research. After that application just require filling a single application form available on lenders site. Once you are approved, the loan money will directly transfer in your account to use. There will be no delays and no cumbersome loan procedure to be faced at all. Moreover, you can access the loan money in clicks of mouse right with the ease of your doorway.

Did You Know that Your Credit Score Affects Texas Auto Insurance

Did You Know that Your Credit Score Affects Texas Auto Insurance? Credit Ratings and Insurance Premiums Are Intertwined in Texas

While many drivers don’t know it, Texas auto insurance law actually allows insurance companies to run your credit report before offering you a price for your policy. This helps the insurance company to determine your overall insurance risk and helps them determine the likelihood that you will pay your premiums on time. While few drivers are aware of this law, it helps to explain why some drivers with flawless records pay more in premiums than drivers with tickets who have superb credit ratings.

How to Tailor Your Credit for Lower Texas Auto Insurance

If you are worried that your credit score may drastically increase your auto insurance premiums, it is of course important to realize that the difference will not be so great that insurance becomes unattainable. With that said, however, improving your credit can certainly help you discount your overall policy premiums. Learning what you can do to improve your credit can help you save on Texas insurance as well as on other credit based purchases.

Credit Boosting Tips for Lower Auto Insurance in Texas
Paying your bills on time can lower Texas auto insurance premiums.
Pay more than the minimum on your credit cards each month to lower balances.
Keep lines of credit open longer and with low balances.
Consolidate old debts and make payments each month to improve your score quickly and lower Texas insurance rates. Do You Know Your Credit Score?

Monitoring your credit report can help you understand increases in your Texas auto insurance premiums. Keep an eye out for any fraudulent reports and make sure that you are staying on top of any debts. Simple monitoring can make a huge difference. If you see an item that looks suspicious, contact the reporting agency to verify that the debt is valid.

Texas Auto Insurance Rates Can Be Dropped

If you can improve your credit rating, you can lower your auto insurance premiums. We are all looking to save money in today’s economy, and improving your credit can help you save in many areas. Take the time to ask your insurer how your policy is affected by your credit and if there are old debts that are raising your premiums take care of them today so that you can pay less in Texas auto insurance tomorrow.