Let’s face it; going to college is very expensive and can become stressful trying to figure out how to pay for it. If borrowing for college leaves you feeling lost, be assured that you are not alone. With so many lenders offering so many versions of basic loan types, it can be hard to find […]
Most individuals who are looking for auto insurance in Phoenix want to pay the lowest rate they can while still obeying the laws of their state. One of the things a person can do to qualify for a low auto insurance payment is to maintain a clean driving record. A person with no traffic accidents is a better risk for an insurance company than a person with several accidents. Look at a few of the simple precautions a person can take to decrease the chances they will be in a traffic accident.
First, a person should have no distractions when he or she is driving. This means that a person should never text when driving. Talking on the cellphone, hands-free or not, is also a distraction. A driver who pulls over into a parking lot to make a call is making a decision that may help him or her to avoid causing or being in an accident.
Next, it’s a wise habit for a driver to stay at least a car’s length behind the person in front. Even if the road is perfectly clear, this distance gives a driver the few extra seconds he or she needs to possibly avoid an accident. This distance is even more important to maintain in the changing road conditions that can occur during a thunderstorm or a snowstorm. A driver who wants to maintain a clean driving record (and receive low monthly rates for auto insurance) will take every reasonable precaution on the road.
Taking good care of a car’s tires is another thing a person can do to improve his or her safety on the road. Tires with low tread do not have as much traction as well-maintained tires. This traction can help a person while he or she is driving in the rain, snow or ice. A person who is able to safely maneuver his or her car during inclement weather is less likely to get into an accident.
Finally, a driver who pays attention to what is in his or her blind spot is less likely to get into a traffic accident. Many accidents are caused when a person tries to turn or change lanes without checking the blind spot on the driver’s side. Cars can soundlessly approach and cruise in a driver’s blind spot. It’s wise for a driver to monitor that area as he or she progresses down the road.
Have you ever considered applying for an MBA degree online? A large number of students choose to pursue an MBA to learn new skills and boost their professional life. It can take up to five years to earn this degree. There are many online schools and campus-based institutions that provide MBA programs at an affordable price. Students can learn from the comfort of their home, set their own schedule, and keep their full time job during school.
Are Online MBA Degrees Worth It?
Most people who enroll in online MBA programs are looking for convenience or flexibility in time management. These programs are especially attractive to mid-career professionals. Once you join these classes, you can study online without traveling from place to another. Students can complete course work, view lectures, and connect with their pears on the Internet. Distance learning MBA programs take 10 to 15 months to complete. Prices vary from one university to another. Earning this degree online can cost you anywhere from $7,000 to $119,000.
Students who enroll in online MBA programs can increase their earning potential and gain new skills without leaving the workforce. Internet-based universities provide a greater degree of flexibility than traditional schools. The technology used for online programs is quite advanced. You have access to online textbooks, educational tools, forums, chat boards, and interactive software.
This postgraduate degree is extremely popular among entrepreneurs and business professionals looking to advance in their careers and even lead multinational corporations. Many universities offer scholarships or educational assistance to their best students. In order to apply for an online MBA program, you need a Bachelor’s degree from an accredited college, a resume, two letters of recommendation, and a GMAT score of at least 550. The admission process differs from one school to the next. Some universities and colleges require work experience, while others may accept TOEFEL or GMAT scores instead.
How to Choose the Best MBA Program
Before applying for an online MBA program, do in-depth research and ask for references. If possible, choose a regionally accredited institution. Norwich University’s online MBA is trusted by thousands of professionals from all around the world. Students who enroll in this program can earn an MBA degree in as little as 24 months. They can choose a concentration in finance, organizational leadership, or project management. Relevant coursework, technical support, and professional journals are available to those who join this program.
It is not hard to divide monetary assets after someone in your family passes away, even if the will does not specify exactly how much each person should get. If you only have a brother and a sister, you can just divide the money into thirds and distribute it evenly. If they also have children, you could give portions to the children directly, or you could allow your siblings to split up their thirds as they would like, keeping what they want and passing some on to their siblings when they desire to do so.
However, the trouble comes when there are physical assets to consider. These could include a house, a summer home, a car or any other large, expensive items. They could total at a higher value than all of the cash, but they cannot be broken up and given out. You also have to consider all of the smaller items, such as furniture and collectibles. They may not be worth as much as a car on their own, but the collective total could still be significant. How are you supposed to divide these things?
You have two options. First of all, you can sit down with your family members and see if people really want certain items. You might be ale to make a deal that, while not perfectly fair, makes everyone happy. For example, you might be glad to take the house for your family, your brother might want the summer home for vacations, and your sister, who already has two houses herself, could be glad to take the cars. You can divide the smaller possessions up in the same way. Again, this is to be done if there is not a will that specifically states who is entitled to which items.
Reaching a compromise like the one described above is uncommon, though, because someone is always going to feel like they got less than someone else. A home that is worth $500,000 is far more valuable than a summer cottage that is only worth $200,000. People may not be happy with what they get. Your second option, then, is to sell everything. You can even do this at auction for the smaller items. Once you have converted all of the physical assets into cash, you can then easily divide the cash among the three of you. To learn more, feel free to check out probatesydney.com.au.
Individuals who have a life insurance policy may feel they have limited options based on the terms that are included with their policy. Many senior citizens often let life insurance policies lapse or cash out an unnecessary policy for a small amount of cash. However, life settlements for seniors exist which can be used to unlock the benefit a life insurance policy provides to beneficiaries.
A life settlement is the process of selling a life insurance policy to an investor or third-party. A payment is made based on a percentage of the death benefit. This means a senior can receive a payment that will often be more than the cash value offered by the policy. Selling a policy for cash is better option for the policyholder than letting the policy lapse or simply collecting the cash value. A life settlement company will purchase and the policyholder will no longer retain ownership of the policy. The purchaser of a life insurance policy will be the one collecting the death benefit.
End Financial Struggles
One reason a life settlement may be a good option is to eliminate the burden of paying a premium each month to maintain a life insurance policy. Most seniors can choose to sell their life insurance policy for cash when making monthly payments if a financial struggle. Seniors can receive a lump sum of cash to use as a means of financial freedom. Life settlement companies provide a lump sum payment based on a variety of factors, such as current health and life expectancy. Find out more information on life settlement.
Considerations for Seniors
Senior citizens who need access to funds due to financial concerns may want to consider the use of this option. Selling a policy for cash does not limit anyone from obtaining any other insurance options. The best use of a life settlement is to take a vacation or even pay for a long-term care policy. Many options to how a cash payout can be used are available to seniors. They only need to learn about available possibilities.
Seniors who are relying on social security or pension payments may not have enough funds to fully enjoy all the benefits of their retirement years. Life settlements offer a way for seniors to reorient priorities. This means other expenses can be paid without having to sell other assets to make up the difference. If a life settlement is used correctly, then any life changes that occur will not be a financial burden.
Contact a life settlement provider for more information about selling a life insurance policy. A representative will explain the process and provide an estimate of an expected payment for a policy.
The old adage “money doesn’t make you happy” is highlighted in the interesting infographic below. Once your basic needs are taken care of, happiness tends to flat-line; however, if your basic needs aren’t taken care of you will be unhappy.
Once most people hit an income of $75K, happiness tends to flat-line.
Below are some more interesting statics about money vs. happiness.
Your credit is an important part of your life. Whether you want to buy a new car, apply for a home loan or even rent a house, your credit history will be taken into consideration and can affect your ability to move forward financially in the world. Unfortunately, many adults have credit problems.
Credit repair is the process of improving your credit history and credit scores. If you do want to do things financially in the future, be it apply for a credit card or even a new job, you will need to take steps to improve and increase your current credit score. Many adults find that credit repair is a sensitive topic that many people are afraid to discuss. At Lexington Law, you can consult with a lawyer who is an expert in credit repair.
Your lawyer will be able to guide you on the right path to improving and repairing your credit. While it might seem that a lawyer is only there for things like wills, trusts and legal charges, the truth is that a credit lawyer is actually an incredibly valuable asset when it comes to improving and repairing your personal credit score. Contact a lawyer today to get the help you need.
If you’re worried about joining the millions of people who enjoying playing at online casinos – you shouldn’t be – just take a follow a few simple steps to put your mind at rest.
Start by spending a little time making sure that the site you want to play has accreditation from one of the various governing bodies. These credentials should be on the casino’s homepage.
When you’re happy you’ve chosen a reputable site, check out the rules of your chosen casino as house rules may vary slightly from other casinos. It is also advisable to read the terms and condition of the site, especially in regard to bonuses and their withdrawal conditions, whilst a FAQs page will often answer many of the questions you and many who’ve gone before you have wanted to ask.
Once you’re happy with your chosen site’s reputation, it’s time to set budgets on both your finances and time.
Setting limits on how much money you’re willing to spend and how much time you’ve got spare to play is a great way of keeping playing online casino games fun. Start by calculating how much you’re willing to lose and credit your account with that amount. Then decide how long you can play your favorite mobile slots for without it affecting other areas of your life.
If you lose your money before your window of time is up, don’t be tempted to gamble more than your budget as you’ll probably regret it later, and it may put you off wanting to play again – and that’s a lot of fun to be missing out on.
Equally, if your time runs out before your money, whether you’re winning or losing, don’t be tempted to stay on and gamble it away. Leave it in your account for next time. This way you’ll be looking forward to your next visit to an online casino rather than regretting your previous one.