Finance Strategies That you Should Consider

There are so many financial strategies out there, each with their own sets of pros and cons. Which of these should you opt for? Here are personal favourites that work most of the time, and keep you financially secure today, tomorrow and forever.

Funeral Insurance

Have you ever thought about buying funeral expenses? We do understand that thinking about death brings upon a lot of anxiety and fear, but really, it is for your own good. And you should be prepared. If you buy funeral insurance, then your loved ones will be protected, and will easily be able to meet all costs. Before you sign up for any plan, research funeral insurance costs, and ensure that you purchase a policy that offers you a good value for money, and gives your family and you piece of mind.

Precious Metals

Investing in precious metals is always a smart financial move whether you go for gold or silver, coins or bars. For starters, these metals introduce diversification in your portfolio; a strategy that minimises your risk considerably. Plus, if the price of dollars declines, you can expect that of pervious metals to increase, which provides you a kind of hedge, protecting purchasing power. And if inflation rises, the value of precious metals rises in that case too. Prices do fluctuate, but generally, they move independently and aren’t affected by stock market.

So do consider buying silver coins and gold coins if you want to strengthen your investment portfolio.

Real Estate Investment

Real estate investment is an attractive initiative due to multiple reasons. For starters, you start getting the rental yield when you rent out your property, which generally, gives you a good ROI. Also rental properties appreciate with inflation, and the value increases. You can then either rent out the property or resell it. Rents also rise while your mortgage payments would usually remain stable, so your income increases, but your property expenses remain pretty much the same.

So while all this does seem attractive, the question is how to rent out your house? Managing a rental property can be a tedious task. From finding tenants to general maintenance, there is too much involved. Luckily, there are companies who can be a source of help in all these areas, and you should avail their services. The fee that you pay them is only a fraction of the costs that you do earn; not to forget, they keep all the headaches and the hassles away.

Retirement Savings

Indeed, most of you would already be saving up for your retirement one way or another. But so many of you don’t always make efforts to maximise it. Begin by setting out a tentative retirement date, and then start planning accordingly. Evaluate your fees and investment options, and change your super funds if necessary. Also make sure that you utilise all tax benefits which the government offers to individuals who hold onto superannuation account. However, this you can only do, if you keep super benefits in the funds.

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UK private pension pots: how well are we saving for our retirement dreams?

A UK fintech company has released an infographic based on their research about how the UK is preparing for retirement.  Will most be retiring and looking forward to their retirement dreams or, is it likely that some parts of the UK will be reaching older age and struggling to cover their general living costs? With the graphic below, True Potential Investor illustrates how UK private pension contributions vary across regions and genders.

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Best banks to transfer money to Philippines  


There are a number of banks that allows you to transfer money to Philippines without any fee though usually as it’s just an overseas arm of the same banking group. So the person to whom you want to send money, open accounts, you can send remittance very conveniently and cheaply. There is one major difference though. One allows you to send money to anyone who holds an account with the same bank overseas, while the other group requires both the accounts in respective countries to be in your name. We have enlisted the best banks who will let you transfer money easily to Philippines irrespective of all conditions.

Bendigo Bank

You can send funds to the Philippines with Bendigo Bank. They provide two forms of money transfer using Telegraphic Transfer service or Bank Drafts for non-urgent payments. For quick remittance, you may choose their Telegraphic Transfer Service for a charge of $30. You must have an account with them and can achieve this service through any of their branches or online through Bendigo e-banking. If you are a shareholder with them, you enjoy some amazing discounts. If not in a hurry of money transfer you can opt for the more cost effective bank draft. The draft will be made on the spot for you to send and the recipient will receive Philippine Peso for $10 only.


With ANZ, you can help transfer funds securely and conveniently into your nominated account. With them, you can transfer funds in both Peso and Australian dollar. Payment orders for remittance, received by 3pm will be effected on the same day. You can enjoy this lucrative service at a competitive remittance fees. You will enjoy a hassle free service with the minimum paper work possible which makes it easy to complete transfer forms. Account holders can also place a request online, through e-mail or fax.


CommBank is the name which has made money transfer utterly easy, through their advanced mobile app and net bank service. Plus they will compensate any type of loss from transactions with their 100% security service. You can also opt to submit an International Money Transfer with a request that all charges applied by the intermediary and receiving banks for their role in processing the payment be charged to you, rather than to the recipient. Then a correspondent fee of $37 will apply in addition to the normal International Money Transfer fees which range from $22 – $30 based on how the transfer is requested. It is least when applied through CommBank app.


They offer a full range of services to fulfill your remittance needs to the Philippines. Selected Metrobank branches and foreign remittance partners offer real-time crediting to Metrobank Peso Account or World Cash Card. This is one of the few banks that accept remittance to other banks.  Beneficiaries will receive the money directly to their account with other banks just within 24 hours. They also take cash to the door of the beneficiaries in Metro Manila or other key provincial cities. Your loved ones can receive your remittance just within 1-3 days.

Westpac Bank

Sending money to Philippines has been made much cheaper, faster, more transparent and more convenient. Bank of the Philippine Islands (BPI), Philippines and Westpac Banking Corporation (Westpac), Australia’s first bank, have entered into a partnership to facilitate the lowest cost and fast transfer of funds from people living in Australia to their families and friends in the Philippines. The recently launched payment service called LitePay International sends money from a Westpac account directly to a BPI bank account within hours at a low AUD 5.00 fee.

These are some of the best banks for remittance to Philipines. Though you must consult the bank authority for overseas money transfer and clear all your queries regarding the same. The leading-edge international money transferring services like INSTAREM, WorldRemit and OFX are adding to the convenience and making the process hassle-free and quick for sending money to Philippines. Banks are undoubtedly reliable but this money transferring services are great for the on-the-go customers. These services demand lesser information and competitive charges. You don’t have to depend on a bank that allows international money receiving. You can send and accept money from anywhere anytime.

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Various Types Of customer Services Offered By Ulster bank

Ulster Bank is one of the most renowned banks in Ireland. It has remarkable customer service, best interest rates on deposits, low loan rates, and several other attractive schemes makes it one of the most preferred banks by people. The customer care staffs are patient and friendly in listening to the queries of people and offering them quick and easy solutions.

About Ulster Bank

Ulster Bank is a type of commercial bank that has been regarded as one of ‘Big Four’ providers of monetary services in Ireland.  This bank provides a comprehensive range of easily accessible facilities to its customers.

From opening of the current account or a fixed deposit to applying for a credit product such as business loans and mortgage, they offer the most competitive rates to people. Ulster Bank has its headquartered located in Northern Ireland but operates in the entire United Kingdom.

What makes Ulster the best bank in Ireland?

Ulster bank was opened in mid of the year 2010. Since then, they have been providing a high level of customer service to people all across the globe. Their dedication and excellent service have also provided them multiple awards. One of them is “the Best Website in Ireland”. This gives an assurance to the customers about the safety of their money and efficient resolution of their concerns in the best possible way.

Features of customer care services at this bank

Calling on Ulster bank helpline gives access to the most experienced, talented and skilled professionals that are ready to serve their customers at all the time. Their diligence and commitment towards delivering the best level of support to customers win the heart of its customers.

Whether the problem is related to a current account or the procedure to upgrade any existing service to premium level banking service, the technical assistance is provided in a quick, precise and simple way.

The representatives at the customer care unit at this bank takes customers through a detailed explanation regarding unexpected charges, easy ways to send money overseas, international rates of currency exchange rates, security issues, queries regarding daily banking transactions, setting a “monthly direct” from the bank account etc.

Whether you want to indulge in voluntary work, fundraising activity or maintain an account in the bank, the supportive staff at Ulster Bank brings you the best deals and offers the best level of services, under one roof.

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How to Implement Tech Customer Service for Success

 In today’s hot tech world, giving the best possible customer service you can is what will separate your company for the also rans in the tech world. While the technology may seem similar, and to your customers the big question is what they are getting for their money, service is what keeps the customers happy. But good customer service is what helps them to brag to their friends, and that makes the best customers of all.

One tool to help your customer service department stay on the ball is using the latest Microsoft dynamics ax in the office. Keeping your customer’s information handy and at the fingertips of your service reps can make or break a good customer service department. But beyond the software that you provide, how can your company give better service when it is needed? Here are a few ideas to help you plan for success.

Bring in the Expertise

Every company has one of them. He is that rock star engineer or designer that is the center of your knowledge base. He is the guy that everyone calls when they get stuck on a solution. So why don’t you keep him in the loop by making him the go to guy for your customer service folks as well? No, he doesn’t have to give up on sleep, but he can download his expertise into your service desk.

He can be hot buttoned for the real important problems so that your service desk can pull him in easily. Make use of those tech experts in the house and let your customers know you have them to pull from when things get sticky.

 The Community of Customers

In the world of technology, sometimes the answers come from the most surprising places. Sometimes that includes our own customers. If you are a tech company where many of your clients are also tech folk, chances are they love to show off their expertise.

Forums are a great place to invite them to show what they know about your products and maybe even show off a bit. Hey, no one loves to show off what they know like a tech head, especially when it is unexpected and online. So, invite those customers who love to be in the know to give their opinion on a fix for a problem that shows up on your forum and perhaps learn a new bit of tech yourself.

The End of Gruesome Queues

We all know that everyone hates to be stuck in phone tree hell, and we hate it when our own customers complain about it. If you have a customer service department that is hitting a wall, use your technology to help them out. Call in your techs to discuss the question.

Give them another way to get an answer with an FAQ on the phone or dig a bit deeper into the system to look for solutions. The technology just may surprise you and find the answer you have hit bottom looking for. In customer service, the impossible just takes a bit longer!

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Choosing the Best Credit Monitoring Service based on Price

Are you building your credit? Have you taken precautions? You may wonder why. The simple reason is to protect your credit accounts from identity thefts. In case, you wonder what any identity theft is. It is a crime where any person would use your identity or personal information without your permission or knowledge to use for his or her own good. It has been deemed a serious offence, as you would be bearing the expenses because of the other person enjoying your money. What should you do to protect your identity?

Protecting your credit score

You would be give two options. Foremost would be to safeguard your account by keeping a check on your account. Secondly, you could safeguard your account through professional credit monitoring services. However, the latter would be a better option, as the professional services would provide you with best of services in the quickest manner possible. The question to ponder upon would be how to choose the best credit monitoring service suitable to your needs. Amongst the several options available online, you should search for the one that caters to your needs in the best manner possible. With a number of options available, you may think on choosing best credit monitoring service 2015.

What services does the company offer?

Among the several options available in the market, you should look for the one that offers you with the best service. The company would provide you with a number of services suitable to protect your credit account. Choosing the best credit monitoring service could be best done by keeping the following aspects in your mind.


Credit monitoring could vary in price. It would be pertinent to mention here that it would vary in price for no reason whatsoever. You may expect to pay from low to higher amount every month. A number of companies would provide free service. However, you should read the fine print and be careful in your choice of service. They may be the most expensive one. Most of the reputed companies would provide you with a short, but no obligation trial period. It would be usually provided for a week. It would provide you with adequate protection and features you need for the best price.

Yet another aspect would be the features and the data that these companies would provide you with on your credit score. You should go through the data that is presented to you in the best and presentable manner.

Author Bio: Laura is a celebrated writer offering a world of knowledge to her readers through articles and blogs online. Her immense knowledge on finance niche has been shared with her readers through her articles. She has become a renowned personality with her readers for her informative content.


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Things You Didn’t Know About Renters Insurance

With increasing cost of owning homes, more people are settling for rented properties. Rental prices are still affordable, and you can continue to save for your dream home. However, if you live as a tenant, you should consider renters insurance. Here are some of the things you need to know.

Knowing the basic things

Renters insurance is a kind of property insurance meant for the tenant. It covers all the personal belongings and liability claims of the policy holder, as per the terms and conditions, against certain situations.  Let’s say you live in an apartment, where there was an unexpected fire. While the house is protected by the owner’s policy, how will you deal with your losses? Renters insurance is getting increasingly popular, and many homeowners and landlords won’t let out their property, unless you own a policy.

Besides protecting your personal goods, renters insurance also covers for liability claims. For example, if an electrician got injured owing to a small water leak at your home, the insurance will help in covering your liabilities. However, for structural issues and reasons that are related to other factors, the owner’s policy will be considered.

Buying a policy

There are many known companies, including State Farm renters insurance, that are available in the market, but choosing one will take a while. You can check websites, where the options are compared in a comprehensive way, which will help in understanding the inclusions and cover. Before choosing a renters insurance cover, you should make a list of your belongings with expected costs. Also, keep the list of inventory handy and accessible at all times. Most renters and tenants don’t know the things they must do in an emergency. Needless to mention, you should talk to the insurance provider to understand the process of filing a claim.

The costs and premiums are largely dependent on the policy and its inclusions, but you won’t pay a massive price for sure. Also, for certain things, such as jewelry, expensive electronic gadgets and appliances, you might need additional coverage. Check with a few insurance companies to know their policies better, and don’t hesitate to pay for a better cover, because you will have huge in case of losses. Also, you can read the reviews of other customers before choosing a company. Renters insurance might not be compulsory, but it’s something that you should consider for your own benefit. Check for options now!

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Chasing Your Dreams with the Help of Mortgage Financing

There is hardly anyone in this world who doesn’t want to live a lavish lifestyle. Even though many people have this dream, hardly few of them manage to chase them successfully and live a life they desire. In case you are also one such person who has dreamt of becoming financially independent, then make sure you forge ahead in the right manner.

Here is how you can do that-

Assess Your Objectives

Each objective requires a different set of planning. You cannot simply manage to buy a real estate with the same sort of planning which you would otherwise use to buy a four wheeler. So, before even you begin the process, assess your objectives clearly and then take an appropriate step.

Planning Matters A Lot

Once you are clear with your financial goal, then you can start with the planning process and move further. Take the example of real estate purchase. If you wish to buy a land even when you have one already, then you’ll need to make certain arrangements well in advance. Among all the arrangements, the most important is funds arrangement. You can either use your savings or take the personal loan from any financial institute only to pay it back at a huge interest rate or use your existing real estate as collateral and apply for a mortgage loan. The best thing about going with the latter option is that you get flexible payment options and low-interest rates. Moreover, there are many tools available in the market which can help you make the right choice in this direction. In case you feel stuck at any stage, you can simply use mortgage calculator with taxes and insurance and select the best among the many options available in the market.

When you decide to take a step like this, you need help from someone who carries a good experience in this field. That’s where a good loan consultant can come in handy. Make sure you get in touch with a renowned financial planner and take his help to shortlist the best mortgage option. The process may sound lengthy in the beginning, but every moment spent in here will pay off really well in the future. So, don’t dishearten yourself. You have all the rights to chase your dreams and get ample funding support from the available resources for the same purpose. Keep in mind the above-mentioned points and have a great experience while chasing your dreams.

Author Bio – Scott writes about home financing, mortgage and other forms of consumer lending on various platforms.

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Reverse Mortgage proves Good Income Source for Senior Homeowners

Have you been thinking of applying for home loan? Have you gained comprehensive knowledge on various kinds of mortgages? What would be the best option to cater to your needs? It would be pertinent to mention here that you should have the best mortgage to suit your needs in the best manner possible. It would be imperative that you should gain comprehensive understanding on the kinds of mortgages available with the bank before you actually apply for one.

Mortgage for old people

You may have a home in your name. You may be surviving on pension. What is the situation arises where you would need money instantly? What are the various options available in the market that would enable you to acquire loan against property to suit your needs? Among the several options available online, your best bet would be to search for reverse mortgage. Among the several questions that come into your mind when you hear the term reverse mortgage, a specific question would be how does a reverse mortgage work. It would be pertinent to mention here that reverse mortgage would work as the name suggests.


Working of reverse mortgage

For all you senior homeowners, reverse mortgage would be your best bet for transforming your equity in home into cash. Moreover, you would not be required monthly instalments as in the case of home loan. This is how reverse mortgage works. The senior homeowner would be required to own the home and have a clear title. When they apply for reverse mortgage, they would not be able to make another mortgage on the same property. The borrowed money would be paid in three ways, namely, lump sum amount, a cash advance or credit line account for withdrawing money as and when required.

Income for senior homeowners

Reverse mortgage would provide requisite income to senior homeowners. It would be based on the amount of equity they have in their homes. The money could be used for any purpose. It would be a great mode for supplementing retirement income. It could also be used for paying various unusual expenses. However, it would be pertinent to mention here that amount for reverse mortgage does not need to be repaid until the borrower sells, moves out of the home or dies.

Requisite of acquiring reverse mortgage

The foremost requisite would be homeowner having clear title to the home. The homeowner should be 62 years of age or more.

Author Bio – Laura is a renowned name in the online writing arena. She has wide knowledge on real estate and associated mortgages. Her articles and blogs provide necessary information to her readers on the best mortgage suitable to their needs.

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Renewing Bike Insurance Online VS Offline: A Process You Must Understand

Bike insurance for many in India is a one-time phenomenon, but they forget that this insurance policy protects the liability of the rider from any natural disasters, protects from manmade calamities and more. You must renew your bike insurance every year so that you do not bear the cost of repairing the damages, the service cost or any replacement charges caused due to a third party, or as may be the case. In addition, you get to earn your discounts, perks and NCB (No claim bonus) when renewed on time.

Online Vs Offline Insurance Renewal

For many, bike insurance renewal is often a herculean task due to, what most think is a sluggish renewal process. The tiring traditional renewing process is no more mandatory. You do not have to take a day off your work to visit the insurance offering for renewing your bike insurance waiting for hours standing in a queue. You don’t have to entertain pushy agents at your doorstep.

Thanks to the internet, you can now renew your bike insurance online without actually going through the long conventional process of renewal.

Benefits of Online Bike Insurance Renewal

From the Comfort of your Home: Online renewal of two-wheeler can be done at leisure, sitting on a cozy couch, sipping your favorite hot coffee and filing in the forms. This is unlike the offline process, where you take a half day off from office to visit the insurance company (9:00 AM to 6:00 PM mostly are the working hours), wait for the officer to come and call out your name. It often happens when your turn comes, you are short of the required documents for submission and you need to start the process afresh by paying a visit the next day. In many a case though the representative may take the initiative of renewal. Honestly, there are very few executives who actually take the liability of this after sales service as a ritual as their major focus is mainly on sales. You got to move as per their whims and fancies. Thus, for those who have limited time to spare and looking for quick renewals, online mode is the best option. On the click of a mouse, your bike insurance renewal policy is delivered at your home.

Fast, Cheaper and Easy: If you opt for online renewal you should do it 60 days prior to the expiry of the policy. It can be done by anybody. You just have to log onto the official website of the insurance company, log in with your user id and password, click on the renewal button and fill in the details required. Select your choice of combination if any, pay the renewal fees with a debit card or credit card or net banking and you get your receipt and renewal is done. You also have an option of comparing the rates, services and plans.

Final note

Online renewal is the fastest and cheaper mode (as you can compare and select a quote from a range of insurance companies) of renewing your two-wheeler insurance, whereas offline renewal of two-wheeler insurance is time-consuming (owing to the documentation formalities) and you may not always get the best deal.

Unlike offline renewal of bike insurance, in online renewal, it is cost efficient as there is no middleman involved. This saves on the commission to be paid to the agents, besides, since paperless, it reduces the cost further offering you lower premium rates.

Therefore, the primary reasons for renewing your two-wheeler online would be the simplicity, time saver, easy renewal and security. In simple words, with the renewal of your bike insurance online you are independent, vigilant and smart.

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