How Using a Water Ionizer Can Save You Money

We all know how healthy water is for our bodies and many are turning to bottled water rather than tap water. There are many reasons for this including the chemicals that are typically added to traditional tap water. The problem is that bottled water is expensive no matter where you buy it. Purchasing a water ionizer may seem expensive but the overall savings are amazing. If you are wondering how a water ionizer will save you money, look no further.

Medical Bills

Ionized water has been proven to decrease the levels of cancer causing free radicals in our body. Free radicals are found in our bodies and in our environment. Simply breathing in air can increase your chance of being diagnosed with cancer. By drinking ionized water, you can help flush the free radicals from your body in a natural and simple way. In addition to neutralizing free radicals, you can also increase weight loss due to the antioxidant properties of ionized water that help to remove the toxins from your body. 

Bottled Water

Many people find bottled water to be more convenient as well as healthier than their traditional tap water. The problem with bottled water is that it is expensive to purchase in the quantity you are supposed to consume daily. Most people consume over three bottles of water each day, which is ninety bottles per month. If you buy your water by the case, you may spend over sixteen dollars per case, which typically will last one person a month or less. By purchasing a water ionizer from bawellwaterionizers.com you can save hundreds of dollars a year. 

Recycling Costs

If you are environmentally conscious or live in an area that requires you to recycle, you may spend hundreds of dollars on recycling your water bottles. With a water ionizer, you can purchase a reusable bottle and fill it with water from your ionizer. This will cut the amount of plastic bottles you will be paying to recycle each month. If you choose not to recycle as a way to save money, the damage plastic bottles will do to the environment is tremendous. 

Look Younger

More people are turning to cosmetics and surgery to look younger. By simply drinking ionized water, you can look younger without expensive beauty products or surgery. Ionized water with its antioxidant properties can help rebuild skin cells and increase the elasticity of your skin. Wrinkle creams, facelifts and tummy tucks will be a thing of the past once you see the benefits of ionized water. Get the same younger look at a fraction of the cost with no surgery required. 

Filter Replacement

Standard water filters require you to change the filter approximately once a month. In addition to that, most water filters only last a year or two before you need to replace them. A water ionizer is built to last ten to fifteen years with the filter only being changed twice per year. Although the filters tend to cost more than a regular filter, you will save money throughout the year by replacing it less frequently.

How an Inheritance Funding Advance Could Help Your Family

Are you expecting an inheritance that you may not immediately receive? If you need to pay for expenses while the paperwork moves through the courts, there is a reliable solution. Although many inheritances are resolved quickly, inconsistencies in the will could mean you are waiting months before the funds are available. 

While you wait for a judge’s ruling, bills pile up and cause their own set of issues. On the other hand, an inheritance funding advance is easy to obtain, and it provides you with upfront cash to help you pay for what you need. 

Why Do You Need an Inheritance Advance? 

Losing a loved one is never easy, but when they leave behind dependents, being unable to access the money they left behind can create hardships. This is especially true if the inheritance will be used to pay for an elderly relative, children or a relative living with disabilities. However, there are several reasons why an inheritance can be delayed. In some cases, this delay can last for several years. 

Why is My Inheritance Delayed? 

When a person dies, the courts can become involved for several reasons including wrongful death or inconsistencies around the cause of death. In some cases, it can take coroners several months to determine why a person has died. 

This means that the death certificate is on hold, and this delays dispersal of any inheritance monies. Nevertheless, the primary issue that can delay an inheritance includes probate court and inconsistencies in the will. In some states, probate court is called surrogate or orphan’s court. 

Can I Get an Inheritance Loan for an Intestate Death? 

When someone dies, the estate that they leave behind is dictated by the last will and testimony. In this case, this is referred to as a testate. Sadly, when a person dies and does not leave a will behind, this is termed as an intestate death and all property falls into the courts’ hands. In these cases, an inheritance loan can still be obtained upon review by a lending agency. 

How Do Inheritance Advances Work? 

When you apply for an advance on an inheritance, the paperwork is carefully reviewed by loan officers. Although you may not understand the legalese of the process, the trained professionals involved will help you determine why you are accepted or denied. Once the application is approved, the next step is dispersal of the loan. 

Typically, a bank will give a loan and charge an interest rate along with a monthly repayment plan. On the other hand, when you use an inheritance loan service, they typically charge a fixed rate. This means that you will get your estimated inheritance advance in a lump sum minus the fees of the loan agency. When the inheritance is finally approved by the courts, the loan advance company will collect what is owed to them. 

What If I Do Not Get My Inheritance? 

In rare cases, the people due for an inheritance are denied their benefits from the courts. This action can be appealed, but it certainly makes everyone nervous. If this occurs, the proper course of action is to repay the loan as if it were distributed by the bank. 

Regardless, most people do not need to worry about this unique mishap. Instead, many satisfied customers will tell you that getting an inheritance advance beats paying late fees and discontinuation fees from overdue bills. For all of these reasons, when you need an advance on your inheritance, do not hesitate to utilize a company like Inheritance Cash Advance to call on the advice of professionals.

How Having A Good Credit Score Can Help You With Retirement

One of the most important factors of overall financial health is having a good credit score. While most people are fully aware how important it is during their working years, many do not realize how important it is after they retire. There are five important reasons why your credit score will continue to be important, even after you have retired.

Mortgage Refinance

One of the most significant reasons to keep your credit score high is so you have the opportunity to refinance your mortgage in the future. As mortgage interest rates move up and down, there could come a time when you will want to refinance your mortgage to take advantage of lower rates. If you do not have a good score, you will likely not qualify for the lowest possible rates.

Co-Signor

Many retired individuals would be great options to co-sign mortgages, auto loans, and student loans for their children and grandchildren. Regardless of the assets that you have accumulated, or the defined income that you have from social security or pensions, you will not be able to co-sign a loan if you have a poor credit score.

Insurance

During retirement, you will have to continue to maintain auto insurance, homeowners insurance, and maybe even life insurance policies. Insurance companies are continuing to place more of an emphasis on credit scores when determining insurance premiums. Because of this, you could end up spending hundreds of dollars more on insurance over the course of a year.

Senior Living

Another important way that your credit score could be important is if you choose to move into a senior living facility. Many of these facilities confirm credit scores to ensure that you will be reliable to pay rent each month. If you have a poor credit score, you may be denied admissions or will have to pay a higher entrance fee deposit.

Other Debt

During retirement, you may still want to take out some debt to make larger purchases. With a good credit score you will qualify for the lowest rates on auto loans, personal loans, and credit cards. With a low score, you will likely pay much more in interest.

In conclusion, having a good credit score even when you are in retirement will continue to be important. For those that have poor credit scores, it can still be improved through the help of a credit repair service. For more information on the benefits, you should read more testimonials from Lexington Law, which are written by actual clients that have benefits from a credit repair service.

The Four (or Five) Most Powerful Retirement Investment Weapons in Any Retiree’s Arsenal

If I had a dollar for every word I’d ever read in internet articles on retirement saving and investment that failed to provide some of the best advice on the subject, I probably wouldn't have time to write this, what with all the yacht trips and jet setting I’d be busy with. Not that I’m not as big a proponent of traditional investment strategies as anyone in the financial industry. In that respect, and all others, I’m a proponent of playing to your strengths. 

For instance, one of my pet specialties is Qualified Recognised Overseas Pension Schemes or iExpats for British pensioners. Although the details are a little convoluted (and boring) for our purposes here, it’s a tax-saving system and perfect example of taking advantage of a niche financial opportunity. Like lower income savers taking advantage of the “Saver’s Credit” tax reward or looking into any of the preferential financial options available for veterans. 

So what is this sage advice that’s so conspicuously lacking from all those articles? Well, it involves the four (or five) most powerful tools in the retiree’s toolbox (a lot of metaphors happening here): Age, Experience, Time and Wisdom. And hopefully, Passion. Those tools can be employed to build a retirement investment-business that’s not only lucrative but can prove to be a blast as well. Here, at least, is a description of those tools. It’s on your to pick them up. 

Passion. This is the biggie and the crux of the whole system but paradoxically it’s not necessarily entirely essential for success. What I mean is: following a passion into a practical business endeavor is a great foundation for success. If you’ve been fascinated by and involved in, say, antiques, if you decide to start a business dealing said antiquities you’re guaranteed to have more than just a clinical, financial motivation in that business. 

The same goes for any other hobby that can turn into money- collecting coins; classic cars; comic books; firearms and/or other weapons; becoming a fishing or hunting guide; selling produce, preserves, starts or expertise from the time you’ve spent in your award-winning garden; mending or making clothes, or following your eye for fashion and tailoring to the local thrift stores to resell your finds online, whatever. Nothing motivates profit like passion. However, even a keen interest and a level head can succeed where real passion lacks. In the case of a business in which you might be tempted to acquire something or make a decision that’s not entirely economically viable in response to that passion, being dispassionate can even be a benefit. 

Age. Age may seem to be interchangeable with “Experience” and/or “Wisdom” but that’s not strictly the case. One of the benefits of Age beyond the accumulation of Wisdom and Experience, is potential customers assumptions that you’ve accumulated those attributes. Which guide is the average person going to assume knows the local lakes and streams like the back of their hand after years of fishing them- an old-timer or some young whipper-snapper? Who are they going to assign years of worldly knowledge and expertise to? Those presumptions can be used in your favor. 

Experience. This one’s pretty self-explanatory. With Experience (hopefully) comes expertise. Years of indulging your hobby has given you a level of expertise or at knowledge on the subject. Sometimes your pre-retirement job comes in handy as well. Working in contracting, construction, inspection, maybe working for the city or one of the utilities, real estate and a number of other areas may have given you the tools to make good money flipping or renting houses. Maybe you hadn’t previously considered turning your ability to often spot a solid or compromised foundation by eyeballing it into a cash-generation engine. 

Wisdom. Wisdom differs from experience here in a sort of abstract way. It’s like intuitive Experience. Wisdom is what warns you that a deal seems shady; a renter seems untrustworthy; a neighborhood seems set for revitalization; a buy is a steal or a bust; where the trout, bass, buck or birds will be, etc. Hopefully, of course, that wisdom also tells you when your distrust of a renter is based on an old prejudice or snap judgment, when you are just telling yourself that a buy seems like a steal because you want whatever’s being sold and so forth. 

Time. It seems like one of those cruel ironies that after years of working and (hopefully, again) stuffing that 401(k), you’re finally able to quit work, kick back, relax and… become bored. Now that can be put toward your passion, or at least interest, keeping you busy with something fun and getting you paid for it! Nowadays, starting a business often doesn’t even require the investment, time, headache and risk of establishing a brick and mortar space for your endeavor- it can be as easy as setting up a website or logging in to eBay. That saves you more time for your work; if it can be called that. Do you ever regret not following a passion down a career path before you retired? Well, why not give it a shot afterward! 

Mario Vitanelli is a freelance writer and blogger who specializes in international politics and finance, retirement and investment. His areas of expertise include European economic policy and expat pension. When away from his keyboard, he enjoys photography and appreciates the rest of the Vitanelli family’s endless patience with his football dependence.

A Retirement of Luxuries: How to Save for Your Retirement

It is advised by many financial experts that retirement should be of the utmost importance to everyone. Many people will start out saving small amounts at the appropriate time, and then increase the amount saved for their retirement over time. Retirement funds will increase as time passes, even though it will be subjected to inflation. However, it is better to have some money in a retirement or investment account than to have nothing at all. 

It is best to start by devising a plan for retirement and set realistic financial goals. Be sure to stick to the plan and specific financial goals. It is NEVER too early or late to begin saving for retirement. Of course, most people who don’t decide to save now may be able to work until they turn 70 years old. However, this is only true if those people remain healthy, can still run a business or are able to continue working. There are no guarantees for anyone. Many people are forced to maintain jobs after retirement because they didn’t save at a younger age. Some have to retire early due to illnesses, downsizing or disability.

401K

If someone is working for an employer who offers the opportunity to participate in a 401K plan, they should jump at the chance. With this plan, the employer will usually match the contributions. The employee’s money will accumulate over time because this program allows for tax deferment and compounded interest. Employees should find out how much to contribute in order to receive an equal match from the employer. 

Pension Plan

If there is a pension plan offered by an employer, the employee should inquire about the plan and find out if they will receive coverage from the plan. Get the scoop on the individual benefit statement and what it would be worth. The employee should find out what would happen to the pension benefit if there is a switch in jobs. 

Investments

Diversify investments by putting savings into different portfolios. When investments are diversified, the risks will be lowered and the return on your investments will be improved. The investor should frequently review their investment strategies with a financial advisor because many things can change as the investor gets older, and as their goals and circumstances shift. 

Power Saving

If the prospective retiree has extra money such as a federal tax refund, they should add some of it to their nest egg. If the person were to cut down on spending, they would be able to add money to their nest egg. If the person changes jobs and is receiving a higher annual income, they should consider adding any extra funds to their nest egg. So instead of incurring more debt, the person should try to maintain the same lifestyle so that they can save more money in their nest egg. For those who do fall into debt and are unable to find a solution for their financial predicament on their own, services such as National Debt Relief are available for debt assistance and management. 

Other investments

Hire a financial advisor to see how to capitalize on other investments such as mutual funds, stocks, and bonds. The U.S. Treasury offers the opportunity to invest in guaranteed bonds that carries lower risks. As long as investments are diversified and funds are wisely allocated, the risks will be limited.

Dave Landry Jr. is a personal finance advisor and debt relief counselor who has been blogging his expertise for several years to help those in dire financial needs. 

Six Things a Great Financial Planner Should Do For You

A good financial planner is an important part of your hopes for a financially stable future. How do you judge if the service you receive from your planner is of a high enough standard? One way would be to examine how he prepares to study your case before he makes any actual recommendations. Every competent financial planner needs to go through the following steps when offering financial advice.

You should first see your planner define what exactly you can expect out of the deal

Many people aren’t clear about the exact level of service to expect when they hire a financial planner. They may believe that they are entitled to complete handholding, for instance, when some planners only offer broad guidance. People are often not clear on how exactly they will be charged for services, either.

A good financial planner will always start off with sending you a clearly-worded letter of engagement, with the following pieces of information. 

• You get an exact list of the services provided and some clarification on what is not provided. You should also see a list of fees and charges. 
• If you are signing on to a financial planner as a couple, the letter will make it clear what is owed to both and what will happen if you get divorced. If the planner sees himself as serving one spouse and not the other, this letter should make it clear. 
• The letter will make it clear what level of cooperation is expected from you. You’ll see information about what data you need to provide on your current financial position and the documents you need to provide on an ongoing basis (such as your tax returns). 

Your planner needs to find out what your goals are

The specific financial moves that your financial planner thinks of depend on the specific goals you have – both short-term and long-term. If building a retirement nest egg is all you need to plan for, your advisor will come up with a plan for investments that have an element of risk attached, but that promise high returns. If you need to plan for your child’s time in college five years down the line, a less risky strategy may be called for. Your planner should also offer advice on his own for what kind of possibilities you should plan for that aren’t on your radar, already.

Assess your current financial position

A close look by your planner at your income, savings, debts, investments and spending habits is an important part of putting you on the road to your goals. Whatever weaknesses the planner notices in your current position – perhaps you don’t have an emergency fund or your investments are noticeably out of line with your goals – he will need to correct them before going ahead with making recommendations for the future.

Prepare a financial plan for your goals

When the groundwork is laid, it’s time for your financial planner to actually make recommendations. He should advice you on how much you should be saving, what steps you should take to protect your income and savings from unpredictable market occurrences and draw up a plan with specific investment ideas.

Put the plan into action

Once your planner has a fully formed plan in hand that you approve of, he will either begin making investments on your behalf himself or guide you on how to go about making them. While it’s easier to let a financial planner make all the investments needed on your behalf, it can be expensive to use a planner’s services this way.

Finally, your planner needs to monitor progress

Financial planning is not an exact science. The investment world is a constantly changing one. Once your planner’s recommendations are implemented, it’s important to constantly monitor them for results. Constant monitoring and readjusting is important also because your own goals can change over time. A change in your job, a new addition to the family and other changes can require constant replanning.

William Dawson has used the services of a financial planner for many years now. An avid blogger, he enjoys posting on a variety of websites.