How to Check the Viability of Your PPI to Claim Compensation?

If you have taken a car loan or home loan or any other sorts of loans, then you must check out your documents to find that if you have been attached with any payment protection insurance or not. Sometimes, banks and other financial institutions lend money with an attached PPI without having any consent from the borrower. Well, PPI is not a bad thing and it can be really fruitful, when there is an unexpected financial crunch. But, before getting attached with a PPI, it is thoroughly needed to check all the terms and conditions. Sometimes, many people have found that they have a mis-sold PPI, which is not viable for paying anything in favor of the borrower. To understand the viability of the PPI, an experienced advisor is needed and for this, hiring a PPI claims company is the smartest thing to do.


Here are some ways to check the viability of the PPI –

  • A PPI claims company will check all your documents and verify the viability of the policy papers and if they figure out any mis-sold PPI, they will help their clients to claim back their money.
  • PPI claims company will know exactly where to look to understand whether you have been sold PPI or not and if yes, how much money you have given over the years and how much needs to be claimed.
  • A good and experienced PPI company will get you the compensation that you rightfully deserve by aggregating all the damages paying PPI has incurred to you over the years.
  • PPI company work on the contingency basis and that means that they will only charge you if you win the case and therefore, you are in a win-win situation here.

You have nothing to lose and there are no upfront charges imposed by these companies and thus, claiming your money back from these loan companies who cheated you with mis-selling PPI is a very good option that you must opt for. All you need to do is fill up a ppi form on their website and ask them to refund. In case they deny, you can file a complaint and take the case forward by hiring a ppi claim company to do all the hard work for you. It is essential that you do your research and make sure that you are picking a company that has a good reputation and has many successful cases behind them and to show it to you.

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Benefits of Hiring a Good Accounting Firm in Fort Collins for your Business

Owning and operating a small business is not easy. Apart from determination, talent and expertise you need to have some sense to run your business in order to be successful in your endeavor. But this does not suggest you need to have an accounting background. For your business, consider hiring a professional firm in Fort Collins which offers accounting services. They can assist you by offering services like small and big business advice, taxes, bookkeeping and auditing services. As a business owner, professional accounting services provide to you plenty of benefits.


Keeps You on Track

Hiring a trusted cpa fort collins will help you in keeping track of your business payments, financial development, business expenses and bookkeeping. Hiring somebody to manage your finances eradicates the financial risks as you avoid serious mistakes being made. Regardless of the size of your business, bookkeeping is quite essential not only for purchase records, sales and daily expenses but also for monitoring all financial transactions. By having a great CPA working for you, you can have a detailed record of all financial transactions. Plus you can predict any possible financial gains or losses.

Teaches you on Financial Decisions

Firms which offer professional accounting services are experts in their field of work. Because they have experience they can offer small business advice on investments you want to make. When you are new to the business, professional accounting services can help you in developing strategies and setting up a great business structure to have a financially stable business.


Lets You Focus on What You Do Best

Because there’s already a fort collins cpa who concentrates on your financial and accounting needs, you can focus more on the core business activities and techniques to grow your brand. Professional accounting services help you run things smoothly in your business and avoid major financial issues.

Contact O’Dell & Company for best CPA in Fort Collins-

Company Name: O’Dell & Company


Phone: 970-229-0018

Address:736 Whalers Way F-101

City: Fort Collins

State: Colorado

Country: United States


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How Marketing Impacts Public Health


No matter what industry you are in, marketing is the foundation for growth. There are no two ways about it. Without marketing you would be hidden in a corner of the world where no one could find you, no one would know what it is you have or what you do and of course, if you are in the private sector, you’d go broke quite quickly. The same holds true for marketing in the public sector but it’s not always about raising money.

When it comes to public health, marketing is a key way to ‘sell the public’ on something that will have a dramatic effect on their lives. Marketing impacts public health in key ways but primarily for the prevention and treatment of disease and public health concerns. Here are a few of the ways in which marketing of the past few years has impacted public health.

The Zika Virus

Perhaps the first thing to talk about should be the Zika virus that is carried by the Aedes species of mosquitos that have become infected. Until the middle part of last year most of the general public was unaware of such a thing as the Aedes mosquito until major marketing efforts were initiated and they certainly had never heard of the Zika virus and what it could do to an unborn child’s development in utero.

A massive marketing, yes marketing, campaign was initiated and soon the Zika virus and the Aedes mosquito were all over the internet on social pages, blogs, news articles and even press releases and tele-briefings by the CDC. You can thank public health officials with an advanced degree in program administration and their marketing pros for bringing this potentially devastating virus to the public’s attention.

STDs and Cervical Cancer

Those with a master in public health who have been in the business for any length of time will remember just what it was like when the connection between certain STDs and cervical cancer was found. A major television campaign was initiated and the vaccines to prevent cancer were promoted all hours of the day.

This really was public health marketing at its best because it brought the issue to the forefront with teenage girls, parents of teenage girls and even health professionals who may not have read the bulletins or been apprised of this new preventative vaccine.

How Marketing Helps Reach the Masses

While you don’t need an MPH degree online to be a marketer for public health, you do need one to be a part of the process for identifying issues in public health and in finding treatments, preventative measures and cures. With a lack of public health infrastructure in many third world countries, the internet has taken on a greater role in disseminating information to the general population but since the dawning of the Information Superhighway, this has become easier.

Now there are more ways than ever before to reach people and marketers are the ones who identify how to reach target audiences while public health officials tell them what that target market is. That’s how marketing impacts public health and without it there would be far greater issues than we currently face.

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The Best Degree Courses for Day Traders


Anybody who is passionate about the financial markets may find trading from home and earning a great salary for doing so an ideal goal to have. However, unless you have plenty of start-up capital and a lot of trading knowledge and talent, becoming a full-time day trader can be a difficult goal to reach. With that being said, there are many different ways to get into trading for a living, and many day traders begin by gaining experience trading on behalf of a firm. If you’re hoping to pursue a trading career in the financial industry, you might find it necessary if you have a college degree. Here are some of the best degree subject choices for wannabe traders.


Being successful in trading often means being able to correctly analyze the markets and predict trends and behavior. Many traders often have to learn a great deal about analytics before they can begin to see a profit from trading, whether they trade in stocks, forex, or something else. Along with being a good subject choice for a potential day trader, graduates with an online master of science in analytics can go on to become top financial analysts. If you’re more interested in the analytics side of trading, or you think that this is an area you can most improve, you should consider taking an online MSA degree.


If you’re hoping to work in the financial industry, it makes sense to take a degree in finance. A finance degree will provide you with all of the necessary knowledge to pursue a career in trading or even become a home-based day trader. If you enjoy finance and are good with math and working with numbers, a degree in finance is the perfect foundation for you to go on and work in almost any role within the financial industry.


A degree in business administration may have more of a broad focus than a finance degree, but it can still be an ideal option for anybody who hopes to pursue trading as a career. Business students will graduate with a good knowledge of business finance and the financial markets, and this degree prepares students well for stock trading. When studying for a degree in business, you will be required to learn and understand topics such as cash flow, financial statements, valuation, and market competition.


When it comes to the majority of careers in finance, the major degree requirements include finance, business and economics. Those with a strong background in economics may find that they are better suited for different types of trading. If you’re hoping to work trading bonds, currencies, and commodities, you may find that having an economics degree gives you an advantage over other applicants and other traders.

If you’re hoping to pursue financial trading as a full-time career, you might want to think about preparing yourself for the role with a college degree. These degree subjects are the most commonly required choices for those working in trading.

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The Advantages of Becoming a FTSE Day Trader


If you have ever wondered about the benefits of becoming a FTSE day trader, this is the ideally in which to increase your revenue substantially. Not only this, day trading the FTSE allows you to have your profits at the end of the day, making it an extremely attractive method of trading the markets.

Over the years, many people have made their fortunes by trading the FTSE. However, if you are interested in making money this way but are not prepared to take the risk of giving up your full-time job, the good news is that you don’t have to! From a technology angle, day trading the FTSE can be done from anywhere in the world- as long as you have a device that connects to the internet. This means that you can do a bit of trading during your coffee or lunch break and could easily make thousands of dollars in one sitting!

Another wonderful advantage of day trading the FTSE is that trading does not take long at all: it can be over within 5 to 15 minutes. You can therefore execute all your trading before work or even while on vacation, leaving you with the rest of the day for your own pursuits.

In terms of risk, day trading helps you to avoid the dangerous overnight risk that comes with traditional trading. With day trading, because you are not holding a particular position overnight, your funds are not exposed an any sudden moves during market closure, such are unexpected political or economic news.

Day trading the FTSE gives you great leverage as you are able to utilize the same capital in your fund account to execute several trades within a short period of time.

With the incredible benefits, if you are seeking a way in which to enter the markets, day trading the FTSE is definitely the way to go!

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How you can Acquire Equipment Finance Leasing and also the Best Leasing Services and Rates

When Canadian business proprietors and managers understand the advantages of equipment finance leasing and leasing services remarkable ability to obtain rates, terms and structure approvals which makes sense increase dramatically.

Equipment financing in Canada is among the easiest ways of financing business assets bar none. However, simultaneously the complexness of the different sorts of leasing and who offers lease financing could be a true challenge which you may not need to dedicate all of your time toward.

You can aquire the very best leasing services and rates by focusing in on which benefits matter for your firm from the priority basis – oftentimes its this is the term and rate around the lease financing. Based on which kind of asset you’re financing lease terms change from two to seven years – in the finish during the day this will depend around the equipments helpful economic existence, combined with kind of lease you structured. In Canada that’s either a tool finance lease, designating your desire to have possession, or perhaps an operating lease, designating your firm’s option to make use of an asset, although not ultimately purchased it.

Leasing is frequently known as income enhancer – little if any money lower, along with your capability to craft monthly, quarterly, or semi annual payments with may either accelerate or decelerate while you require. That’s true income management.

Equipment lease financing is about benefits and employ, a fantasy pride of possession. In many situations today assets depreciate… you can’t review your purchase of computers and technology making the situation individuals assets are rising in value!

With today’s volatile finance markets, inflation, and also the somewhat erratic timing of the requirement for your asset acquisitions is not it a secure bet to understand the decision process becomes much simpler when leasing services offer you a highly effective acquisition tool.

Clients always inevitably ask ‘why is lease financing very popular ‘? In fact is really a triple threat for your competition. You are able to effectively stretch your hard earned money, extend your budgets, and get equipment and facilities most abundant in minimum investment of funds. That is mainly because you’re matching investment of the funds using the helpful economic existence from the asset – what else could be preferable.

Equipment finance leasing enables you to definitely create the payments you have to alllow for the asset from earnings created through the asset – debts are paid from current revenue and also the equipment and assets you fiscal have been in effect a ‘pay because it earns’ scenario. Today’s pricing is compensated with tomorrow dollars since lasing involves payment for equipment because it is used. Naturally should you made a decision to purchase the asset outright the largest the statement that you’d be utilising today’s dollars to hands tomorrow expenses, so we advise against that in conversations with clients.

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Make Sure You Have The Cash You Need When You Retire

Many young people think that retirement is a dream come true, but they probably don’t realise how difficult it can be to make ends meet with just a pension. Some people are unable to save a significant amount of money during their working years, and that can make retirement seem like a very scary prospect. But how can you secure some extra cash when you hit your senior years?

You might think your first point of call would be to look into a bank loan. However, banks are now stricter than ever with regards to who they provide loans to, and you might not be eligible for a personal loan if you no longer have an income from work. Plus, the monthly repayments can be rather expensive, and that’s the last thing anybody needs if they’re struggling to make ends meet as it is.

Another option is to approach family members and loved ones for a loan, and that might be a good idea because their interest rates are likely going to be the lowest available – if they charge any interest at all. The main drawback with this option is that family members might not be able to lend you enough cash and you might not want to feel like a burden by asking them in the first place.

At this point, you might be thinking that there is no possible way for you to secure some extra cash without selling your home, but it may be a much better idea to get an equity release loan.

Equity Release Loans – The Basics

An equity release loan is provided to you based on the value of your home. One of the biggest benefits of such a loan is that you’ll never be required to make any monthly repayments because the loan is repaid in full when your property is eventually sold. The two main types of equity release plan are:

  • Home reversion – You’ll sell a portion of your home to the loan provider.
  • Lifetime mortgage – You will own 100 percent of your home and the loan will be repaid using the profits from its sale.


As you might have guessed, the second option is the most popular due to the fact that you don’t have to give any of your home away. However, the interest can add up to a large sum over a number of years, and that makes finding the best interest rates crucial. You can click here for Responsible Equity Release to get you on your way.

If you have already taken out a loan with Northern Rock, you ought to consider switching to a new provider because they’re no longer in the market. Northern Rock sold its customer books to JP Morgan who were subsequently overtaken by Phoenix, with the loans administered by Papilio UK. Interest rates are have fallen since Northern Rock were in the market, and that means you could get a better deal by switching to Aviva or LV.

If you’re looking into loans for the first time, you’ll need to make sure you find the best interest rates because that way, you can feel confident that your loved ones will still inherit some money when you pass away.

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Investing in Gold in 2016

Gold has had a very exciting year so far. It was certainly not something that people could have predicted. Of course, this is what individuals have come to expect with this yellow metal. Much like a child running to its mother in the face of danger, investors tend to flock to the precious metal in times of trouble. If you have been keeping abreast of the news, then you know that the economy is in a tentative state at the moment. In this year alone, there have been so many shakeups that individuals have rushed to one of the oldest substances in the world, fearing the worst.

The Economic Events of 2016

One of the more resonating issues that took place this year was the economic slowdown in China. For the longest time, China enjoyed a booming economy – the second largest in the world. There were a great many nations that relied upon China’s success. In fact, the performance of the Chinese economy is quite crucial to the global economy as a whole. This is why world leaders were quite shaken to learn that the economy has slowed down considerably, threatening fiscal shockwaves throughout the world. While the situation still remains hazy at best, this has caused a great deal of alarm.

On its heels was the decision that was termed ‘Brexit’ – The United Kingdom’s exit from the European Union. This, too, caused people to panic, sending the UK economy into somewhat of a tailspin. Investors remain reluctant to finance an economy that they cannot predict, at least in the long run.

If you are wondering what gold has to do with any of this, it is simple. This yellow metal has been, and continues to be, the safe haven that the world economy relies upon. Whether it is combating inflation or economic uncertainty, investors tend to place their bets on the precious metal. This has been a recurring trend for the longest time.

Why You Should Invest in Gold

Of course, the question remains, should you be in investing in gold? To answer this question, let’s take a look at what some of the best-performing funds in the industry have been. Across the board, gold ETFs have been one of the most popular funds. This is evidence that many investors believe that the yellow metal is the way to survive the current and future economic issues facing the world.

This does not mean that you too need to join an ETF. No, there is a much simpler way to get involved in this venture. Instead of gambling with companies and mines, you can purchase the physical commodity. This means buying coins and bars. This way, you will be safeguarding yourself from inflation as well as other fiscal uncertainties.

At the moment, it is quite difficult to discern the direction that the economy in general will take. This is why purchasing this precious metal can actually be quite a wise move. It will help you to prepare for any direction that the market will take. It will also allow you to convert your funds into a means that will not be easily depreciated.


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What You Need to Successfully Market Financial Products and Services

With all the bad press financial products and services seem to get, it is vitally important to be a skilled marketer before tackling this industry. The sad truth is that not all financial products are a scam but those few that are make the news, leaving the majority of financial services in the shadows. If you are going to market in the financial sector, it is imperative that you understand what you need to know to successfully market financial products and services to a weary world.


Before All – Credentials

Many marketers still believe that the best way to become expert is to actually work your way up in a marketing firm. This does have its benefits but is not exactly what your clients will be looking for. Yes, experience is good but credentials are better. Why not work towards an online bachelor of science in marketing while working your way up in that firm? Financial Institutions will respect that degree when you get it because they know the power of knowledge in a world full of uncertainties like the financial markets. They will better trust you to take ethical steps to market their products because you have taken the time to study legal issues that have presented themselves within the marketing industry over the past several decades.

Keep Your Marketing Relevant

Although this may seem a bit obvious, you’d be pretty amazed at just how many marketers choose ad campaigns and web content that is totally irrelevant to the financial products and services they are promoting. Gone are the days of keyword stuffing and unfortunately, so many marketers still advertise that way. If you don’t have relevant content to offer that is informative, it would be better not to post any ads or content at all.

Offer Benefits Above and Beyond the Competition

Let’s face it. When someone invests in the financial market he or she is looking to make a profit. The problem is, there are so many financial products that are quite similar that you would need to offer something the competition doesn’t have. For example, you might want to advertise your client as being environmentally conscientious and someone who donates a certain percentage of their profits to an environmental organization or a reforestation project. Today’s consumer has gone green so this is a benefit many of the competitors in the financial services industry just can’t offer. Give consumers something of benefit and they are likely to choose your client.

Select a Niche and Specialize in It

When studying for your online marketing degree, your bachelors of science will give you a broad overview of marketing principles, a great foundation, but from there you want to find a niche to specialize in. For example, you might want to specialize in commodities or derivatives. Even these may be a bit too broad so you could further whittle your focus down to Forex, for example. The financial markets are highly complex and as a result you can’t be expected to know all you need to know about all products to be equally effective in all. Find one and stick to it. You will find that it is easier to successfully market financial products and services if you understand them.

These are the basics for what you need to successfully market financial products and services, so master these and the rest will follow. Just remember that the more highly specialized you become the more effective you will be – and that’s a fact.

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Why a Factoring Company Is Ideal for Your Business

Getting conventional business loans is very stressful and this has made many business owners go for invoice factoring. Just like banks, working with factor companies have drawbacks as well. Determining whether invoice factoring is suitable for your business or company is a personal decision.

Businesswoman standing up with colleagues in background

Some of the best factoring companies can help you deal with cash flow hiccups in your business. There are a number of customers or clients who make payments very late, and this can negatively affect your business if you don’t have reliable sources of funding. Waiting for 30 to 90 days for a client to accept an invoice isn’t the right thing to do. And since you need to pay for operational expenses such as suppliers, payroll or rent, you need to find an alternative source of funding such as invoice factoring.

Small as well as big businesses or companies can depend on factoring companies for advance payments but they can sometimes be costly. In fact, it is expensive as compared to conventional business loans. These companies will make advance payments of up to 95% of the amount on invoice but this depends on your invoice diversification, sales volumes as well as customer credit quality. Since some of these companies charge different types of fees, you can highly benefit from them if your company or business has a profit margin of 15%. So, you need to do a good research to determine if invoice factoring is appropriate choice.

The most important thing factor companies cannot miss to check is if your customers or clients are creditworthy. The companies only accept invoices of your solid customers who then pay them the amount then they will pay you the remainder after deducting their fees. You will only qualify for invoice factoring if your commercial clients or customers have good credit as well as payment histories. These companies will check your clients’ credit including payment histories and then offer you advance payments.

Any factoring company will verify your invoices to determine to buy or not to buy them. This helps them in checking if your client is satisfied with your service or product. The verification process usually differ from one company to the next.

It is important to know if you are eligible for invoice factoring. It is very crucial to make sure that the invoices you are selling are free from security interests or liens. The liens can develop in case your business has unpaid loans and the loaning institution files claim your invoices as collateral. Taxing authorities can also file a claim if your company has tax lien. Liens can also be created if you have a court case or lawsuit. The good thing about factoring companies is that they can still work with you even if you have severe tax issues but you will need to hire a lawyer because the process is much more complicated. Even if a bank rejects your application, you can still get funds to run your business from a factor. The factor will look if your invoicing practices are good and if your clients have excellent credit as well as payment histories.


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