Confused by Auto Insurance? Answers to 4 Common Questions

While auto insurance might not be the most exciting subject in the world, it’s important that you at least understand the basics. Premiums are always on the rise, so gaining a little bit of knowledge could save you a few thousand dollars over the next few years.

Here answers to 4 common questions about auto insurance:

When is the best time to shop around for a better deal?

If you are unhappy with your current auto insurance rates and want to shop around for a better deal, then you should do so immediately.

It’s totally unnecessary to wait until it’s time to renew, as you can often easily get out of your current auto insurance contract and switch to a different provider. In fact, if there is an early cancellation fee, then the company you are switching to might be prepared to pay it for you.

Should I use an auto insurance broker?

Using the services of an auto insurance broker can be beneficial as they have contacts with many different insurance companies.

However, you have to keep a close eye on the broker fees, as this could end up making your auto insurance more expensive. All in all, if you’re finding it hard to find affordable auto insurance by yourself, then using a broker is probably the best way forward.

Do I really need auto insurance? I’m a safe driver!

In short, YES you do need auto insurance. Never under any circumstances be tempted to drive a car without insurance from a recognized provider.

Sure, you might be a safe driver with a completely clean record, but what about the other drivers on the road? Ultimately, it only takes one idiot to give you a bump from behind, and if you don’t have auto insurance then you could end up with a rather large bill.

Also, you must understand that in the majority of countries around the world it is ILLEGAL to drive without auto insurance, and in places such as Russia they will march you directly to the Gulag if you can’t produce valid documents proving that you have auto insurance.

Are online auto insurance quotes really that cheap?

This is a tricky one, as many online auto insurance quotes are just an initial estimate based on a small number of details, which means you typically have to fill out a longer application form or speak with someone on the phone to get an accurate quote.

With that being said, online auto insurance quotes are usually cheaper than the quotes being offered by offline insurance companies, so it definitely pays to surf the web.

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Looking for an Energy Broker? You MUST Read This!

If you want a successful business that continues to thrive year after year, then you no doubt understand the importance of saving on your energy costs. Times are tough, and when you continue to bury your head in the sand by wasting as much energy as you did 5 years ago, then don’t go crying to your wife about your crumbling business empire.

Enter the energy broker, an enterprising and smart individual who could save you up to 20% on your energy bill every single year. Does that sound interesting to you? It should do!

However, you can’t just pick any old energy broker as they are most definitely NOT created equal. In fact, there are some pretty lousy energy brokers out there, who don’t really know what they’re doing, and won’t be able to save you any money…and even might end up costing you money. The cheek!

With this in mind, if you are looking for an energy broker, then it’s extremely important that you listen to the valuable tips below…

Experience

Know this: an energy broker with a lot of experience will have good contacts with companies such as Enmax Energy and Enron. This means you get access to the best deals possible, so you end up saving more money.

Unfortunately, anybody can just set up shop and call themselves an “energy broker,” even if they have no experience at all. For this reason, you should do some research on the company to make sure they are the real deal and know the energy industry well.

Reputation

Ultimately, experience isn’t the full picture, as they could have been in business for 20 years but still have a lousy reputation. Let’s face it, when you want to save the most money then only the very best energy broker will do…wouldn’t you agree? Of course you do, and this is why you want to make sure that they have a solid reputation with many different happy customers who have been with them for years.

Consider asking other business owners in your industry which energy brokers they are using, or even check the internet for impartial reviews from both happy and unhappy customers.

Constant improvements

While saving money on your energy with a broker is a good start, that should never be the end. In business, you need to keep squeezing the bottom line and making more profits for your company every year, which is why finding an energy broker who can work on constant improvements (which means more savings) is a necessity.

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6 Quick Tips For Choosing a Franchise in Canada

So you’ve decided that now is the time to own a franchise in Canada? Congratulations

However, don’t jump in too quick, as making the wrong decision could end up leaving you broke and frustrated. There are many opportunities to open a Franchise in Canada, but just because something glitters, that doesn’t necessarily make it gold.

Here are 6 quick tips for choosing a franchise in Canada:

Shop around

There are thousands of franchises out there, so avoid making hasty decisions. Instead, visit franchise shows, read franchise magazines, and do some research on the internet. Once you have all the facts, then you are ready to prepare a shortlist.

Dig deeper

On the surface a franchise company might seem like a professional outfit, but once you start to dig a little bit deeper it starts looking like amateur hour. For this reason, once you have a shortlist of companies, you should delve deeper into their history and past results.

Meet franchise representatives

Never choose a franchise based on email and phone conversations alone. Every year, there are a number of people who get scammed out of thousands of dollars in franchise deals, so you definitely want to avoid this happening to you. With this in mind, always meet representatives of the franchise company in person before signing a contract.

Meet current franchisees

There might be hundreds of amazing testimonials on their website, but how can you be sure these are actually from real people? In short, you can’t, which is why it’s a good idea to meet current franchisees in person rather than rely on a bunch of written testimonials.

By going down this route, you get to talk one on one with people who were once in your shoes, and you can ask about how profitable their franchise venture has been.

Get legal advice

Once you have decided to buy a franchise in Canada it is very important to get legal advice before agreeing to anything. Ideally, this legal advice should come from a franchise specialist lawyer, although any lawyer is better than none.

Ultimately, once you sign a contract then you enter into a legally binding agreement, so it’s essential to consult with experts before you take the plunge.

Get working

Well done, you are now the new proud owner of your very own franchise business, but you must realize that this is where the real work starts.

If you expect money to pour into your bank account while you sit at home watching TV then you are in for a nasty shock. Making a franchise opportunity in Canada successful takes work and commitment, so get ready for the ride.

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How Ordinary People Are Becoming Wealthy Through Real Estate

While there are many ways to become wealthy, real estate is the one topic that keeps coming up again and again. Look through any rich list, and you will see that many multimillionaires, and even billionaires, became wealthy through real estate.

Interestingly, the vast majority of real estate moguls built their empires completely from scratch. They didn’t inherit a family portfolio of condos or find a million bucks in a carrier bag. Quite simply, they were just ordinary people who decided to take action and get moving.

This means you can replicate their success, and even start right away with the tips below…

Take a few risks

Ultimately, investing in real estate is not for people who are looking to get rich slowly. If you are scared of losing money, then bonds might be a better idea for your money.

You have to take the bull by the horns and get aggressive. For example, bridge loans might be the solution for getting your foot on the property ladder. Sure, they are risky, but no risk = no reward.

Research your local area

In order to become wealthy through real estate you need to work smarter, not harder. The majority of your competition are flying blind, hoping to strike it lucky rather than develop a proven system for methodically getting rich.

Don’t be just another face in the crowd! Instead, become a real estate renegade, by actually researching the property market in your local area and then looking for an edge.

Build a network of people

Once you identify a potential property investment, your main aim should be to get the ball rolling as soon as possible. In the real estate game, if you hesitate then somebody else takes your place, and this is not good for business.

This is why you should build a network of people who are only a phone call away. For example, finding a reliable property inspector is essential. They will be able to quickly inspect the property and advise you on any work that needs doing.

Be abundant in your thinking

At the end of the day, there are plenty more fish in the sea, and if a buyer or seller is being difficult, then you should always be prepared to walk away.

90% of your headaches as a real estate investor will simply evaporate if you adopt the mindset of “abundance” and just move on. No deal is worth stressing yourself out or becoming angry and frustrated over.

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Precious Metals Are a Great Long Term Investment for Retirees

Have you considered a precious metal ira for your retirement? Many leading experts say that you should. The reason? Because it diversifies your portfolio, adds long term stability, and most importantly, gives you a great chance of a high return in the near future.

Let’s take a closer look at why precious metals such as gold and silver are such a great investment for retirees.

Diversify your portfolio

Ultimately, if you put all of your eggs in one basket, then there is a huge chance you will get burned. The stock market is incredibly volatile, and it only takes another Wall Street crisis for your investment portfolio to come crashing down.

This is why diversifying your portfolio with precious metals is absolutely essential.

Seriously, don’t take the risk of ignoring this golden advice. If you do, then there is every chance in the world that you could end up spending your golden years flipping burgers at the In-N-Out Burger.

Adds long term stability

Long term stability = a great investment for many years to come. For the past few hundred years, precious metals such as gold and silver have shown a steady increase in price. This is because they hold their value extremely well, no matter what is happening in the economy.

For this reason, precious metals are a stable investment which can guarantee you a healthy return when you want to cash out and enjoy your retirement. Sure, it probably won’t make you a multimillionaire, but it will give you a guaranteed source of cash when you get older.

Get a high return

In the last few years, more and more people have been jumping on the precious metals bandwagon. As this continues to happen over the next few years, things such as gold and silver will become even more scarce, which ultimately leads to the price of precious metals rising.

As mentioned before, you won’t become a multimillionaire, but if you get in now then you can expect very high returns in as little as 5 to 10 years. When you consider that this is almost risk free, then investing in precious metals for your retirement becomes a real “no-brainer.”

Conclusion

If you care about your future and financial security of your family, then precious metals is definitely the way to go. Just make sure you consult with a qualified advisor before coming to a decision, as they will be able to give you personal advice tailored to your situation.

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5 Essential Money Saving Tips For The Whole Family

Saving money on a consistent basis is not always easy. Take your eye off the ball for a few months, and you can quickly find yourself in financial turmoil.

That is why being focused is so important. Get started right away with these 5 essential money saving tips for the whole family.

Save money on energy bills

A few years ago there wasn’t much competition in the energy provider market. However, things are now a lot different, and there are many new and exciting companies vying for your business. Use this to your advantage!

For example, if you live in Alberta Canada, then you can contact companies such as Enmax Energy in Grande Prairie to see if they are able to save you money on your energy bills.

Take advantage of reward cards and coupons

Every mainstream store out there is desperate to get your custom and turn you into a loyal shopper. This puts you into a position of power, especially of you use the numerous reward cards and coupons offered by stores to entice you through the door.

Put simply, you can save thousands of dollars a year by using these kind of money saving tools.

Only operate 1 car

Many families now have more than 2 cars, but is this really necessary? At the end of the day, operating more than 1 car really puts a strain on your finances, which is why you should consider other alternatives.

As an example, maybe you could cycle to work? Carpool with work or school colleagues? Walk to the shops instead of driving? If you only have 1 car to pay for in your family, this this will save you a lot of money throughout the year.

Plan meals around sales

Every week, supermarkets around the country put new items on sale at extremely low prices. With this in mind, it’s a good idea to plan your meals around these sales in order to save money on your weekly shop.

Also, make it a point to cut down on the amount of money you spend on dining out or ordering takeaways. Instead, get creative in the kitchen, and enjoy a nice meal with the whole family rather than blowing money you can’t really afford.

Pay off credit cards

Sure, paying off those credit cards will cost you more money in the short term, but over the long term your bank balance will start looking a lot healthier. Once those credit cards are paid off in full, then cut them up and never use them again.

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What Every Employee Should Know About Workers Compensation

In a perfect world, if you suffer an accident in your place of employment then you should be covered by workers compensation insurance.

Unfortunately, this doesn’t always happen, as there are certain employees that are not covered, and in other scenarios the employer or insurance company look to deny you of compensation that is rightfully yours.

To put it simply, there is a high chance that you won’t receive workers compensation in the event of an accident at your place of work, even if your employer is to blame.

Here are some tips that every employee should know about workers compensation:

Hire a personal injury solicitor

Sometimes, the only way to make an accident compensation claim is to hire a personal injury solicitor.

Let’s face it, if your employer is trying to bury their head in the sand and deny you what is rightfully yours then you really have no other choice.

Make sure you hire a personal injury solicitor who is prepared to work on a “no win, no fee” basis, which basically means you don’t pay a penny until your case is fully resolved.

Report the accident

It’s no good just telling a few of your co-workers about your injury, you need to file an official report. This means reporting the details to your supervisor, HR department, or manager.

Don’t let them fob you off. Every injury, no matter how big or small, should be recorded in a proper report. If you employer is reluctant to do this, then they may be trying to get away from their responsibilities.

Get seen by a medical professional

As soon as the accident occurs, your first thought should be to visit a medical professional right away. Many people make the mistake of waiting a few days or weeks before they see a medical professional, but this will severely hinder any compensation claim you want to make in the future.

Ultimately, when you receive immediate medical care, then your injuries can be documented, which means it’s easier to prove that they were suffered as a result of your accident in the workplace.

Get an alcohol test

Sometimes, an employer might say that the accident is your fault because you had been drinking. With this in mind, as well as seeing a medical professional on the same day of your injury, you should also look to get an alcohol test so you can prove that you were NOT under the influence.

Sure, this might seem a bit extreme, but when it comes down to your word against theirs, then having proof to back you up is always a good thing.

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How to Sue a Negligent Doctor…And WIN!

There is an alarming trend of medical negligence cases around the country. It seems that doctors don’t have your best interests at heart afterall, which means they should not be allowed to get away with it.

Our resident legal experts have compiled the tips below so you can sue a doctor and win! Good luck.

Get a solicitor

Trying to sue a doctor on your own is an uphill battle. You will have to deal with endless paperwork, legal mumbo jumbo, and a team of legal experts representing the doctor. In this kind of situation, the odds are heavily stacked against.

Fortunately, you can turn the tables in your favor by getting a solicitor to represent you. They should be experienced in these type of cases, and have a long history of suing doctors and winning money for their clients. Sure, a solicitor worth their salt doesn’t come cheap, but in the end it will be all worth it.

Make sure your case is “air tight”

In order to give yourself the best possible chance of receiving the money you deserve, it’s important to make sure your case is as “air tight” as possible. This means keeping any medical documents relating to your case, and keeping a diary of all the expenses you have incurred.

Not only that, but consider seeking the opinion of other medical professionals who can give you an independent opinion on whether or not you suffered medical negligence. In an ideal world, you should have the opinion of at least 2 other doctors.

Be ready to settle out of court

You might be pleased to hear that most medical negligence cases never actually make it to court. This is because a doctor usually has insurance for these kind of scenarios, which means they will let the insurance company pick up the tab, so they can avoid the hassle of going to court.

This is also good news for you. At the end of the day, do you really want to get involved in a long and drawn out court battle? Of course not…life is to short.

This is why it’s always a good idea to settle out of court if the opportunity arises. Don’t take the first offer that is put on the table though. Instead, consult with your solicitor and then get him or her to make a counter offer. If you follow this path then you should be able to get a quick and easy payout with the minimum amount of fuss.

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4 Tips For Medical Negligence Compensation Success!

Are you are a victim of medical negligence by the healthcare industry? Do you lay awake at night wondering if you will every get the compensation that you deserve?

There seems to be a growing trend recently of medical negligence cases getting thrown out of court. Ordinary people who have real claims and real issues are not being treated fairly by the justice system, and they end up with nothing to show for their efforts…only pain and suffering.

So how do you give yourself the best possible chance of medical negligence compensation success? Find out with the 4 tips below…

Hire a claims company

Unless you are an expert in medical practices and the legal system, then your chances of success are almost zero. This is why you need an expert in your corner, so they can use all of their knowledge and experience to get you the money that you fully deserve.

In our opinion, the best way to do this is by hiring a claims company that specialize in medical negligence. Speak with an advisor on the phone, talk a little bit about your case, and they could get the ball rolling as quickly as today.

Look for a second opinion

One of the main reasons why people fail in their medical negligence compensation claim is because they don’t get a second opinion. You see, it’s hard to prove that there was negligence involved when there are no third party medical sources that say something was done wrong.

For this reason, seek out a second opinion, and a third opinion, and even a fourth opinion if you can. The more opinions you get, the stronger your case becomes.

Seek out a government doctor

In order to give your case authority, a testimonial from a government doctor will be highly advantageous. These are not always easy to find, but of you get the chance then you should definitely go for it.

If a government doctor says there was medical negligence, then you can feel confident about taking the case to court.

Settle out of court

Just be aware that medical negligence court cases can drag on for months, and sometimes even years. This is why most people look to settle out of court, so they are able to get compensation and then move on with their lives.

Interestingly, the vast majority of health care professionals also like to settle out of court. This is because they typically have full comprehensive insurance, and are happy to let the insurance company pick up the bill.

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Should You Hire a Personal Injury Specialist to Get Your Money?

Here are the facts: accident compensation claims are on the rise, but less people are actually being awarded any money.

This is totally unfair, as if you have been injured and it wasn’t your fault then you DESERVE every single penny that is coming to you.

Unfortunately, there are certain “powers” high up in the government that are trying to stop what they call a “compensation culture.”

Sure, there are some cases where people are trying it on and looking for money that they are not entitled to, but when you have a legitimate claim then you shouldn’t be denied what is rightfully yours.

With all of this firmly in mind, you may be wondering if you should hire a personal injury specialist to get your money?

In our opinion, you definitely should, as you can tap into their years of experience and knowledge to get the expert advice that you so desperately need.

Not only that, but they will also be able to take on your case and do all of the hard work for you, such as contacting the necessary people and filling out endless forms. Once you hire a personal injury specialist, then it will feel like a huge weight has been lifted off your shoulders.

So what are you waiting for? You can speak with a specialist completely free of charge, and there is no pressure to take it any further if you don’t want to.

For example, maybe you just have a few questions about an injury that you received at work? No problem. Simply contact a specialist, talk with them for a few minutes, and if you decide that you don’t want to proceed then there will be no obligations.

However, the vast majority of people who contact a personal injury specialist DO take things further. Ultimately, if there is blame, then there is a claim, and when you are injured through no fault of your own then you shouldn’t feel bad about getting what is rightfully yours.

Even if the injuries are small at the moment, they could go on to cause you long term problems in the future. Just imagine if you found yourself in a position where you couldn’t work 10 years from now? It doesn’t bear thinking about.

That’s why you should speak with a specialist straight away. They have seen every type of injury, and dealt with thousands of cases, which means they will know exactly what to do and how much you might be entitled to.

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Mis Sold PPI – Go it Alone or Use a Claims Company?

One of the most popular news stories of the last 5 years has been the mis sold ppi scandal. This is for good reason, as it is estimated that there is around 20 million fraudulent PPI policies in the UK.

While many people have now claimed compensation for these mis sold policies, there are still many claims to be made, and if you have taken out a loan, credit card or mortgage in the last 10 years, then you could be next…

If you believe that you have been mis sold PPI in the past, and you now wish to make a claim, then you basically have two options.

The first option is to go it alone. This means you would contact the banks via letter, and then correspond with them until a successful resolution is found. While this option has many advantages, such as getting to keep all of the money that you win, there are also some disadvantages.

For example, the banks are not easy to deal with when corresponding by letters, and it could take you months, or even years to actually get your money.

Let’s face it, these banks are not exactly an honest bunch, which means they will pull out every trick in the book to deny you what is rightfully yours. Therefore, we only recommend that you go it alone if you feel confident in your abilities to get your money quickly.

The second option is to hire a claims company. Basically, these companies specialize in dealing with the banks and working on your behalf to get the money. They usually have many financial experts on staff, with years of experience and knowledge.

For this reason, using the services of a claims company to reclaim mis sold PPI is typically the fastest way to get your money. Also, they will be able to tell you exactly how much money you are owed, so you end up being awarded the maximum amount possible.

The main downside to hiring a PPI claims company is that you will have to pay them a fee once your case is successful. This is usually 25% of the awarded amount, although in some scenarios this could end up being higher.

Ultimately, if your compensation is for a lot of money, then paying a fee is a bullet worth biting. However, if you only get a small amount, then going it alone might be the best way forward.

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How to Choose a Reliable Trading Broker

In the last few years, millions of people have been trying their hand at online trading as a way to earn some extra cash.

If you are ready to get in on the action, then you might be wondering what is the best way to get started? Unfortunately, you can’t just turn on your computer and start trading in the markets, which means you will require a trading broker to place trades on your behalf.

There are many different brokers out there, and this often adds to the confusion, meaning choosing someone that is reliable isn’t always straight forward.

With this in mind, we have compiled some quick tips on how to choose a reliable broker…

Recommendations

By far, the best way to find a broker is through a recommendation from a trusted source. As an example, you could do a search on the internet to see what people are saying, or you could visit an authority website such as neuraltip to read their opinions. Ultimately though, the choice is yours.

Number of years

There are many different brokers popping up every single month, and many of these are simply fly-by-night operations that are here today and gone tomorrow. Because of this, it’s a good idea to find a broker that has been in business for a number of years. This way, you can be sure that they are not out to scam or take advantage of you.

Speed

Once you spot a profitable trade, then you need the broker to be fast so you can get in at the best price. In a nutshell, if a broker doesn’t have speed, and they keep you waiting around for hours on end, then you will lose out on a lot of money.

Trading platform

The trading platform inside the broker account is where you will be spending the majority of your time. For this reason, the platform needs to be quick, easy to use, and have a range of different tools available to use. In our opinion, you should open up a few trial accounts with different brokers, so you can test out their trading platforms and then choose the best one for your needs.

Support

It’s a fact of life that things will always go wrong, and when the worst does happen, you need it sorted out as quickly as possible. Any trading broker worth their salt will have a customer support team on hand day and night to answer your questions and sort out any problems.

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4 Tips For The Serious Real Estate Investor

No matter what your real estate investing goals are…whether you want a nice passive income, or you want to make millions, this article will help you.

In short, the 4 tips below are for the eyes of serious real investors only. If you treat investing as a hobby, then you should click away right now.

Okay, so now we have separated the wheat from the chaff, let’s get straight down to business!

Swim with sharks

Sure, you could swim in a small pool and catch yourself some little fish, but how much money will you really make? Not a lot.

Instead, your goal as a real estate investor should be to swim with the sharks. While you might not be able to afford to buy the residence of Mukesh Ambani, the richest man in India and then flip it for a profit, you can target more expensive properties and bigger real estate projects in your local area. Go big or go home.

Increase your knowledge

Nobody was born with the secrets to successful real estate investing tattooed on their forehead. If you want to increase your knowledge, then there are basically only two ways you can achieve this…through experience and learning.

With this in mind, if you are still sitting on the fence waiting for the “perfect” time to get involved in real estate investing, then you really need to get taking action.

Also, read as many books as you can on the subject of real estate investing, take some courses, and stay up-to-date with the property prices in your local area.

Build a good team

While it might be your money at stake, you can’t go it alone. Every successful real estate investor has spent the time building a good team around them which they can rely upon.

For example, you will require a real estate agency, some reliable construction workers to sort out repairs, and maybe even a property rental manager. Once your empire grows, you will need more team members to keep everything running smoothly.

Be positive and never give up

At the end of the day, your work is never complete as a real estate investor. There will always be problems, bumps in the road, and failures to contend with.

The main factor that separates the winners from the losers is attitude. For this reason, maintain a positive attitude at all times, and never give even when the things start to get tough.

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4 Awesome Tips For Traveling on a Budget

Need a vacation but low on funds?

No problem!

You don’t have to spend thousands of dollars on traveling In fact, with a little bit of planning and research on your part, you could soon be setting off on the trip of your dreams…without breaking the bank or getting deep into debt in the process.

Here are 4 awesome tips for traveling on a budget:

Buy a camper trailer

For some people, their idea of the perfect vacation is to hit the road and explore the wilderness. If this includes you, then why not buy or rent a camper trailer for your upcoming trip?

As an example, many people in Australia are now dumping the beach, and instead, buying Camper Trailers in Gold Coast so they can enjoy traveling on a budget year after year.

Low cost airlines

In the last 5 years, there have been many low cost airlines popping up. If you are not too fussy about where you go, then some of the deals you can find on air fares are extremely cheap.

For example, if you live in the UK, then it’s more than possible to buy a airline ticket to a smaller city in Poland for as little as £10. Compare low cost airlines on the internet to find the best deals.

Hostels

Another awesome tip for traveling on a budget is to use hostels. No matter which city you are planning to visit, there will be many hostels available to stay in, and they are usually located right in the heart of the city which means you are perfectly located.

If you don’t mind sharing a room with other people, then it can be as cheap as $10 per person a night. Sure, you won’t have total privacy, but when you are on a budget and money is tight, then you can’t expect a 5 star experience.

Meals

One of the main expenses for any vacation is meals. Let’s face it, eating out at restaurants every day soon starts to add up, which is why you should think about doing things a little bit different.

In our opinion, the best way to save money on meals when traveling is to cook everything yourself. It doesn’t matter if you are staying in an apartment or hostel, there will typically be a kitchen. You can then buy groceries from local stores and markets, and save yourself a bundle in the process.

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7 Quick Money Saving Tips For Students

It seems that the vast majority of students live in financial hardship. Making every penny trying to stretch as far as possible, and always living with the fear that you might have to quit college and get a full time job.

Ultimately though, it doesn’t need to be this way. Simply follow the 7 quick money saving tips below, and in no time at all your student finances will start to look a lot healthier.

Get a free laptop

Why pay for a laptop when you can get one for free? Enroll with one of the colleges listed at www.onlineschoolsthatofferlaptops.org and you will get your very own laptop…no charge at all!

Live at home

One of the main expenses for any student is rent. With this in mind, if you go to college in your home city, then why not live at home instead? You will save thousands of dollars a year, and even get all of your washing done.

Buy second hand books

Another money saving tip for students is to buy second hand books. The price of brand new textbooks are through the roof, but with a little bit of searching around you can find the exact same books at a fraction of the price.

Avoid payday loans

The allure of fast cash certainly seems tempting, but in the long term you will really end up paying for it. Ultimately, payday loans have huge interest rates, and if you miss a payment, then expect to be hit with excessive charges.

Party smart

One of the best things about being a student is that you get to let your hair down on a regular basis and party. However, don’t think that you need to attend expensive bars and clubs to have a good time. Instead, you should aim to “party smart,” by organizing house parties among your circle of friends.

Free clothes

As a student, you shouldn’t be spending money on designer clothes that cost a fortune. That is the fastest way to go broke. It’s a much better idea to find free clothes, so you don’t have to spend any money at all. For example, if you have an older brother, then ask him if he has any clothes that he no longer wears.

Get a job

Not only is getting a job a great way to earn more money as a student, but it is also a way to spend less. The reason? Because you will have less spare time, which means you won’t be tempted to start spending when bored.

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How to Become Wealthy By Investing in Real Estate

One of the quickest ways to become wealthy is to invest in real estate. In no time at all, you can build up a portfolio of properties that continue to pay you month after month like clockwork, for many years to come.

Follow the information below to get started…

Always have landlord insurance

It’s important to give yourself the maximum amount of protection when you first start renting out your properties. For this reason, you will need landlord insurance. Luckily, it’s now possible to compare landlord insurance quotes with UK Landlord Insurance.com and save yourself a bundle.

Start small

Just like any other venture, investing in real estate is all about trial and error. You won’t get everything perfect right out of the gate, which is why it’s a good idea to start small and then slowly build up your portfolio. If you move too fast, then you could end up making a huge mistake that will cost you dearly.

Know the area

Every wealthy real estate investor will advise you to buy property in an area that you know well. As an example, many people have invested in properties abroad, only to lose all of their money a few years later. The reason? Because they didn’t know the area and were not in tune with the market conditions.

Be creative

If you have a real passion for real estate, then one of the best ways to make money is by getting creative. There are many opportunities for buying properties that are way under market value due to a few problems. When you are prepared to fix these problems, then the property can be sold for a healthy profit. This strategy does require patience though, as not everything will always go your way.

Treat it like a business

At the end of the day this is a business. Sure, you might enjoy doing it, and at times it might even feel more like a hobby, but in the end the bottom line is all that counts. For this reason, you must keep a close eye on the numbers at all times. Also, consider hiring a good accountant who has experience in the real estate industry. They will be worth their weight in gold.

Be consistent

There are many books and courses out there that sell the idea of “overnight riches” from investing in real estate. This is mostly just hype, as in reality, you need to be consistent and have a long term strategy to become wealthy in this game.

A post by Daniel Yee.

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Reclaiming PPI For Dummies

If you have been hearing a lot of stories about reclaiming PPI, but are still not sure what it’s all about, then this article will help you.

What exactly is PPI?

PPI is a policy that was sold by banks and lenders when you took out a loan or mortgage. In short, these policies were designed to cover you if you lost your job or fell ill and were not able to keep up with the repayments.

However, the vast majority of these policies were mis sold, which basically means they were complete duds.

What can I do about mis sold PPI?

If you believe that you were mis sold ppi and are wondering what to do next, then you will be pleased to hear that the law is now on your side.

You see, a couple of years back there was a ruling in the high court that ordered the banks and other lenders to pay back the billions of pounds they had received from these illegal PPI policies.

Make no mistake about it, if you were mis sold a PPI policy some time in the last 10 years, then there is a very high chance that there has been some cash reserved for you.

What should I do next?

DO NOT wait another minute. At the end of the day, there could be thousands of pounds with your name on it. In a recent survey, it was found that the average PPI claim was for £8,937, so you could be in for a nice little windfall.

To find out for sure if you have a claim, and to find out roughly how much you could receive, the best way forward is to contact a PPI specialist claims firm. DO NOT try and file the claim by yourself, as there is a high chance that your letter will be ignore by the banks.

Ultimately, you need a team of experienced financial experts on your side, who will be able to take on your case, work their magic, and then get you the money that you deserve.

Once you have been successful, then expect to receive a check through the mail. How great will it feel to check your mail in the morning and find a few thousand pounds, instead of the usual bills and junk letters?

In conclusion, reclaiming PPI is definitely the way to go. Why let these financial institutions get away with stealing your hard earned money? It’s your right to get every penny back…and even a little bit more due to inflation.

Thanks to Neil Dummett for the post.

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5 Reasons You Should Rent a Computer or Laptop to Save Money

It seems like the price of computers and laptops are always rising. Not only that, but most models have serious defects, which means you end up paying an arm and a leg to get them repaired every few months.

Put simply, owning a computer or laptop these days is expensive. Obviously, the computer companies are laughing all the way to the bank, as they milk you for every penny they can. With this in mind, have you considered renting instead of buying?

The monthly rental fees are very low, which means you only need to get your internet access sorted from a website such as DSLProviders.com and you are good to go.

Here are 5 reasons why you should rent a computer or laptop to save money:

No debt

When the majority of people buy a new computer or laptop, they typically put it on their credit card, or even take out a personal loan. While this might seem like a good idea at the time, the mountain of debt can quickly become overwhelming. When you rent a computer, there are no such risks.

No repairs

As mentioned earlier, computers are always breaking down. Instead of having to pay hefty repair charges or even buy a new machine, you simply exchange it for another model from the rental company. This alone could potentially save you hundreds, and even thousands of dollars per year.

Upgrade with ease

Perhaps you want the new version of the Apple Mac? Why shell out a small fortune to purchase it, when you could easily rent it for a small monthly fee? Whenever you want to upgrade your computer or laptop, simply let the rental company know, and you will be able to exchange the model with complete ease.

Save money on accessories

Accessories often bump up the price of computers and laptops even further. However, this is not the case when you rent, as most rental deals already include many of the top accessories.

Get the latest software

Are you sick and tired of always needing to upgrade the software on your computer? For example, it seems that the latest and greatest new version of Microsoft Windows comes out every few months, and you probably always end up paying for it. This is not the case when you rent a computer or laptop. All of the machines come complete with the latest software programs, so you don’t have to spend any extra money.

Thanks to Harry Roberts for the post.

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