Joy Olivia Miller

Archive for March, 2011

In today’s world, the economy has played a big part in money issues facing the people. Whether it comes from being laid off at work, fired, lowered hours or cut in pay, these changes have brought many issues for people to have to deal with. Shelter costs along with food, and daily cost for basic living have become harder for many people and even cause some people to lose their home and force them to either live on the streets or live with family.

Money issues get even worse when you need food or deciding which food items you can afford to buy to make them last the longest. Some people in areas such as Kentucky know what a hard living is, their used to having to live on a budget especially when it comes to feeding a family. Soup beans, fried potatoes and homemade corn bread become regular food items.

Families are working harder than ever just to put food on the tables with the rising costs of food, bills, and almost everything going up in this economy. Many have had to get another job and some even have to take in people to help pay the bills. People dealing with fewer means sometimes get breaks or deals on products to buy and help their situation improve. Buying in bulk can save money as well as make things stretch such as food, personal items and maybe even help pay more of the bills.

Few families are helping each other out these days, so times like these with the economy in such bad shape and not knowing when things will improve, leaving for better areas to where they may be able to make ends meet. This is causing the breaking up of families for support and means as well, moving far off for work and better living can cause issues of support for the family as well. Time for making money has taken president over family ties and bonds making life harder in ways but like it is said, “got to do what you have too to make it now days” a common heard saying in this economy of ours now.

The easiest way to gain free publicity for your business is to send out a news release. Although it seems hard to believe, the news media are waiting for your information. It’s been estimated that 80 per cent of news stories originated from a press release.

Don’t stop at one news release. You should send out a steady stream of news releases about your business. Of course, not all the releases you send out will get the media’s attention. However, if just one release is picked up, you will get thousands of dollars of publicity, for free.

Here’s a step by step process to develop a media campaign:

=> 1. Create a basic release template

The first step in getting into the swing of creating regular news
releases is to create a couple of template files. I have two, one
for electronic releases, and another for print releases.

Creating basic templates ensures that you can write your releases
quickly. You can find templates for news releases online, at sites like PRWeb.

=> 2. Create a schedule to send out releases

Send out a news release at least once a month — if you can, send out one a week.

Create a schedule to send out your news releases, and mark the schedule on your calendar. If necessary, hire a writer to write the releases for you.

News releases help you to tap into that vast unexploited market
out there, of those people who have never heard of you and your business.

=> 3. Send releases to everyone who uses your services, not just to the media

In addition to sending out your press releases to the media, you should also send them to all your customers. It’s a heads-up for everyone you deal with about what’s happening in your business. Your current and inactive customers will be encouraged to send more business your way.

=> 4. Put each release onto the Media page of your Web site

Adding news releases to your site increases your site’s ranking
in the Web search engines, and makes it more likely that your
clients will be able to find you.

News releases are a basic marketing technique. They help your
business to grow with little effort. Write a news release a
month, and watch your business take off.

=> 5. Keep on the lookout for “news” for your releases

As you work with clients, read newspapers and magazines, and as
you go through your day, stay alert for material you can use.

For example, if you’ve just signed a new client, write a news
release about it. Not only is this good advertising for your
business, it’s also great (free) advertising for your new client.

Please don’t forget that you’re not restricted to news about your
business, or local businesses. If you think something is
newsworthy, it’s news.

You can also package tips as news releases. For example, think of
the all UCE (Unsolicited Commercial Email) which is cluttering
the Inboxes of business people everywhere. How do you deal with
spam? How do your friends deal with it? How do your clients deal
with it? Write a roundup news release: “The Top Ten Ways to Deal
with Spam” and send it out.

Remember: it just takes one news release to blast your business to instant success. Send out a news release today.

The word insurance refers to any agreement where a person pays another person or business to indemnify the safety, but to be more precise, pay for the replacement of any such personal property if said possession is lost, destroyed, or damaged in some other way other then the neglect or willful destruction of the property by said owner. There is insurance for just about anything, insurance is generally divided into four areas; vehicle, property, health, and life insurance.

The imbursement sum usually goes to the agreed beneficiaries in the result of the policy holder?s death. The beneficiaries are usually predetermined when the insurance is purchased but can be altered by the policy holder at any time before his/hers death. The acknowledged sum is usually at least one hundred thousand dollars for your average plan. The amount can be increased but the premiums also increase. Another way to increase the sum is to have several life insurance policies for one policy holder.

The earliest known form of a true form of a contractual insurance agreement came as early as 3 or 2 millennia B.C. These simple agreements stated that a merchant, trader or transporter of goods would guarantee the safety of said cargo or shipment. If the goods were lost, the transporter of said goods would pay either the sender or receiver for the loss or both. Other agreements were simply a fee paid by the transporter so that of the goods were lost then the fee would cover said loss of goods. These agreements were usually done by a verbal agreement, but they were later back up by laws etched in stone and papyrus.

As human society became more modern, many traders would hire retired soldiers, i.e. mercenaries, to help shepherd their goods from place to place. These men could in some ways be called the first security guards of human society. But it was hazardous and difficult work, but for the soldiers of fortune of that time it was some of the best work one could get.

Now in the modern age, insurance is a necessity for a normal life in every nation on Earth. Insurance now covers Life, property, well being, and even accountability from lawsuits. The insurance business is now a multi-billion dollar industry. The first known insurance business was started after the Great London Fire in 1666. The fire destroyed 13,200 houses. After this tragedy, Nicholas Barbon opened an office to insure buildings. In 1680, he established England’s first fire insurance company, “The Fire Office,” to insure brick and frame homes.

In the 21st century all insurance companies sell some form of life insurance. It is the number one form of insurance purchased globally. Much of it is sold to people after they have children in hopes that in the event of a premature or unexpected death the sum paid to the survivors will be able to use the money to bury their loved ones and support them financially.

Financial security is especially challenging for single women–whether they be never married, divorced or widowed. These women don’t have a second income to count on and need to plan accordingly in case the salary from their job is no longer available. Here are a few important points to consider–

Most couples are advised to set aside 3 to 6 months’ worth of living expenses in case they have to deal with a job loss, medical emergency or any other financial setback. However, in the case of a couple, there is a chance that one of the partner’s income will still be available. For a single woman, if her income is terminated or some other financial crisis occurs, she will have no other income to fall back on. So, it would be wise for any single woman to set back more than the traditional 3 to 6 months’ worth of living expenses. If your employer offers disability insurance, you should sign up as soon as you are eligible. Most disability insurance policies replace 60% of one’s income if you become disabled and cannot work. This insurance is absolutely vital to all single women and is usually fairly inexpensive to purchase. Unless you have someone dependent upon you, such as elderly parents or children, who would be destitute if you died, you do not need to purchase life insurance. Life insurance is not a viable investment and is not a good idea if you are independent and have no dependents. If you and a significant other decide to join households, you should consider drawing up a legal document which will outline how the expenses will be divided and what will happen to the assets–financial and otherwise–should you split with your partner or if one of you should die. Putting it in writing will help eliminate any misunderstandings in the future. If you become divorced or separated from your partner, be sure to remove him/her as a beneficiary on any policies or financial accounts that you might have.

These few tips may help single women get a better grasp on their financial matters and save them some heartache and misery in the future. It’s important that, as a single woman, you consider your financial matters as a high priority.

Personal debt has been getting out of control for the last ten years or so, and is something that is not going to go way anytime soon. The use of credit cards, store cards and personal loans has become an integral part of society. Lenders are borrowing out more money then what most people can afford (leading to bankrupts) many people were getting more and more credit cards to try to get out of dept with lower interest rates but just getting further in dept due to paying on longer terms and paying more in interest. This is always not the answer; if your pay more than the minimum balances you can possible pay it off faster and pay less.

The first step you need to do is figure out how much your bills are. If you have a lot of credit cards with high interest rates then your best option may be to look in to different kinds of loans to combine all the credit cards together so you have one payment, you could instantly be saving money monthly. Additionally, by putting all your credit card debts into one loan, your monthly new payment could be lower than the total you where paying before. Once you pay off your cards, it is important to close most of them out, try to keep one for emergency only and hide it from yourself so you’re not tempted to use it remember it’s for emergency only. Keeping them is tempting you to use them, therefore putting you further in dept and possible damaging your credit history

Debt Consolidation is the tried and tested, and the most trusted method of debt management today. There is no denying the fact that with so much of temptations around in terms of good living products and our own desire to lead a comfortable life, we often tend to spend more than our income. And then to make ends meet, we end up borrowing one loan after another. And finally a day comes, when we cannot repay what we have taken, cannot borrow further and then declare bankruptcy. This not only has adverse effect on our credit history, but also leaves us without any self confidence to start a new life. Debt Consolidation has certain features which can help us a great deal to get out of these debt issues.

Low Interest Rate: The one most important feature of Debt Consolidation for which most of the people with debt problems use it in the first place is low rates of interest. This is because Debt Consolidation is done with the help of collateral. For example, a property of the debtor like his house or shop or any other property he owns is deemed as collateral and it would be foreclosed if the debtor fails to repay his loan on time. Since the creditor has the security as the collateral his risk of the non repayment of the loan reduces considerably. And he settles for a lower rate of interest from the debtor. Likewise, with the burden of interest reduced, it becomes easier for the debtor to pay his interest on time and hence, with some determination, is able to clear off the entire debt over time.

Serving One Creditor: Debt Consolidation frees you from the burden of repaying multiple loans at once. You may have credit cards from different companies and you may have additional debts from banks as well. Tackling all the debts at once can be a huge trouble, especially when you also have to concentrate on your work so that you can earn properly to get the money to repay the loans in the first place. And then of course, you have your family as well. Debt Consolidation, by combining all loans into one, releases you from these worries. And then you also do not have to handle the multiple phone calls as the Debt Consolidating Agency takes the responsibility of redistributing your interests.

With these advantages, it is obvious why people choose Debt Consolidation as the ultimate solution to their debt problems, and if you are unfortunate enough to have landed up in multiple debts as well, then it is most likely to work for you as well. So do contact your advisor today for the details.