Reducing Your Spending On Loss: 5 Tips For Protecting Your Assets

We grow up accustomed to the fact that we're going to deal with some loss along the way. We've all dropped a great dessert, or maybe even had someone steal something we liked. But when it comes to our financial standing, there are some things we can do to protect ourselves from loss. Whatever your financial status may be, you can use some of the following five tips to protect your assets.

Invest in proper insurance

If you are the proud owner of a business, it is imperative that you have liability insurance to shield your pockets. A sudden accident on the work site or another unfortunate incident could leave an unprotected business owner stripped of their assets in a lawsuit. Homeowner’s insurance is a great advantage in case of a natural disaster, and auto insurance is a must-have for your vehicle.

Keep an eye on your bank accounts

Monitor your bank account on a regular basis, and be sure to report any suspicious activity as soon as your recognize it. If you are in a business partnership, make sure to formalize the union to protect your assets in case of disaster. Remember that anything that your business partner does, you are considered responsible for as well. Simplify joint accounts wherever possible to ensure that anyone with open access to your financial assets does not abuse the privilege.

Use a quality home security system

Your home is a place where your valuable property should be safe. However, many homes are vulnerable. With a system from a company such as Vivint Home Security or others, you can shield your possessions from unscrupulous burglars who seek valuables of all kinds. A Peoria AZ specialist in home security suggested that in the United States a burglary occurs almost every 14 seconds. So, an investment into a decent system can be a great protection against loss of assets in your future.

Minimize online transactions

In this high-paced technological age, the desire to conduct business online for convenience is high. However, millions of people find themselves the victim of identity theft and other online capers where cyber-criminals can drain assets. Keep your online transactions to a minimum, and invest in the best virus protection possible. Keep your bank information safe, and never enter personal information in an unsecured site. Aim to do transactions over the phone, by certified mail, or in person, wherever possible to offer yourself an extra edge of security.

Protect your assets after you are gone

Designate a responsible power of attorney to manage your finances in case you are unable to for any reason. If you plan to leave some of your assets to children or other relatives, remember to place them in a legacy trust. An estate planner can help you set up a trust in your state so you can comfortably leave wealth to your heirs.

No matter the type of assets that you have, it is important to protect them from harm. A financial planner can help you place your assets in an ideal arrangement where they will not be depleted. Seek wise investment advice before placing any of your finances in the stock market or other money account. Using this information can help keep your assets secure at all times.

Looking To Invest? 5 Foreign Investment Ideas For Your Portfolio

Luckily, no one needs to scour through information on hundreds of countries or upcoming trends in developing states in order to invest internationally. Instead, here is a look at five simple investment ideas that many have not though of when it comes to expanding the portfolio. 

1. French Wine

What many investors are surprised to hear is that wine funds are both popular and a great investment. Much like a hedge fund, a specialist in both wines and finances will allow investors to pool money in order to invest in new or established wineries, bottles, or companies.

This not only will diversity your portfolio, but it yields good results as well. When investing it is best to spread out your money, this is a great option to mix things up and still be happy with the results. 

2. Chinese Clean Energy

While China is a global player, the country is now encountering huge issues with air pollution, toxins in the soil, and irreversible damage to wildlife. This has led them to begin looking at projects for clean energy in all parts of the country. Investors should take a look at their up-and-coming hydroelectric plants and solar panel fields to get an idea on the scale of growth they can expect. This is a great potential opportunity. Something is going to have to be done in China, if you are invested in the right companies you could really benefit through the market. 

3. Iraqi Currency

The value of the Iraqi dinar has risen and fallen due to instability in the region, but many are looking to dinar news to see that this form of currency is looking profitable in the near future. For those that do buy dinar, even minor changes to the region could result in dramatic increases to the currency’s global worth making it an excellent investment opportunity.

4. German Housing Market

Japan has long been one of the most undervalued investment markets for property, but foreign investing can become a lifelong hassle. This is why many investors may want to look at the German housing market. Both German land and German houses have remained chronically undervalued by as much as 15 percent when rent, home sales, and land prices are taken into consideration.

By being aware of history and trends, you will be able to better understand the market and how the stocks will react and change. 

5. Globally Appealing Art

A few pieces of art around one’s home can be much more than decoration, but investing in art is not for the faint of heart. Sometimes considered to be more complex than any other form of investment, investors will want to ensure that they not only love art, but are devoted to the extensive research that each piece will require along with global art trends.

Diversifying one’s portfolio is an absolute must in today’s volatile economic climate. With these few international ideas, investors have a number of great new options for unique and exciting markets.

Brionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college. She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn't writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.

4 Good Tips To Secure A Stable Retirement

There has been a lot of talk these days about retirement funds dwindling and the fact that many people may be forced to work late into their 70s. The truth is that those who plan ahead for their retirement and make intelligent investment decisions should have no trouble retiring when they feel the time is right. Here are four good tips that should ensure that you have a stable and financially secure retirement.

1. Invest in Stocks, Bonds and/or Mutual Funds

Investing is the best way to ensure that you have enough money to retire at a time of your choosing. While you may save up a lot of money through 40-50 years of working, investing gives you a chance to double or triple that sum by the time you retire. By conducting bond market research, buying stocks that you believe will rise in price, and researching the best mutual fund options, you will give yourself a great financial platform in retirement. Some prefer to invest in stocks and bonds independently. However, if you do not trust your knowledge of the markets, you may be better off letting a mutual fund handle the specifics of investing.

2. Keep Your Mind Sharp

Even if you have retired from your job, it is important to keep your mind fresh and stimulated every day. Find an intellectual activity that suits your personality. Whether it is reading a book, learning a new language, solving puzzles and riddles, or becoming a history buff, exercising your mind every day will help you stay healthier and livelier much longer.

3. Exercise Regularly

Keeping your body in the right shape is just as important as exercising your brain. While you are probably not going to be completing any marathons when you are 65 or 70, it is always good to walk a few times a week or head to the gym. Exercising will help you maintain a healthy weight, lower blood pressure, and keep your muscles and bones in tip top shape as you age.

4. Explore New Places and Things

Many people enter retirement and lose their purpose in life. No longer having to work everyday, they can become lost and confused in the adjustment period. Make exciting plans for retirement, such as visiting new continents, exploring new areas in your city, and meeting new people. Sometimes when we become adults and start having to spend all of our time working, we lose touch with some of the activities and hobbies that make us happy. Retirement is the perfect time to dust off your old guitar, or read that novel you always talked about reading. Not only will these activities broaden your horizons, but they will keep you excited and in good spirits.

Retiring can be daunting and overwhelming at the best of times, which is why you do not want to be unprepared. Secure your financial future, and make plans to keep you occupied during your retirement years. That way, retirement will be the next phase of your life, instead of being the beginning of the end.

Investing in Property: An Alternative Pension Plan

Pensions have taken a lot of hits over the last few years. There are problems with people not saving enough and people not receiving the amount they believed they paid in. On top of this there have been government cut backs, banks facing various crises and a global recession. Naturally this means that people have been looking at alternative ways to invest their money – the most popular of these is investing in property, here’s why:

They’re not making any more land

Land itself is a very valuable commodity, and ownership of even a development plot will give you strong financial standing. If you have property on the land then the value of the area can drastically increase. When you’re looking to invest in land you need to plan for the future, working out areas that are going to be popular in years to come. There are a couple of things that you will want to think about:

• Renting – this will provide you with a steady monthly income that you can put towards your cost of living. Make sure that you set the rent high enough to cover the cost of the mortgage as well as home insurance, and gives you a bit of cash to still play with. 
• Development – one of the fastest ways to build up a strong pension fund would be investing and developing property, as this can give you tens of thousands of pounds profit. It’s also something that you can continue into retirement, using your free time to further increase your savings. 
• Commercial property – you don’t have to be a business to obtain commercial mortgages, you can buy shops and rent them out to other companies. This tends to be a very profitable investment, as businesses will often pay over the odds to get a premium location.

Pay into your savings

If you’re looking at investing in property as an alternative to paying into a pension, then the main goal should be boosting your savings rather than generating an income. Make sure that you are putting the income from your property into a savings account to give you a greater sum to dip into when you’re older. One mistake people often make is that they don’t build up enough funds through investing, generally using the extra income instead of putting it aside.

Renting or selling

One of the best ways to use property investment for a pension fund is to buy and rent it out until the mortgage is paid off. After the mortgage is paid off almost all the rent you will receive will be profit – this can drastically boost your savings account. When you do plan on retiring, you may either wish to continue renting the property or you could put it up for sale. The main differences are:

• Renting would provide you with a set amount of cash every month, however you will have to deal with any issues the tenants may have. If the building is in need of many repairs this could end up costing you a small fortune. 
• Selling gives you a large sum of money to help make retired life more comfortable for you. You will need to budget around the amount of cash you received from the sale, although you don’t need to worry about any major costs of repair etc. 

If you’re thinking about setting up an investment property instead of taking out a pension then it’s worth finding out what residential and commercial mortgages are available to you. Now is the time to buy, as both house prices and interest rates are low – giving you the best chance to be in profit as quickly as possible.

Pure Commercial Finance are experts in commercial finance and they pride themselves on excellent customer service. They secure the best deals possible for their clients – whether they are looking for a commercial mortgage, bridging finance, development finance or invoice factoring.

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Cutting Down The Bills: Four Successful Tactics To Reduce Your Bills

These days, it is altogether too easy to watch our financial lives spin violently out of control, leaving us in the wake of a checkbook that is always just one step away from overdrawn or overdraft protections, sometimes even dipping into them. Still, that said, there are ways to reduce spending, tighten your financial belt, and conserve resources, saving them for future needs or desires. In the event that you wish to conserve resources, here are four tactics that have served successful over the long run for myriad people in different periods of time.

Buy in bulk

When you consider your families food necessities it can become expensive. Purchasing food in bulk will allow you be prepared and there are all sorts of ideas for conserving finances through the process of buying in bulk. Buying large amounts of flour or sugar--or whatever is on sale--can help to seriously reduce financial constraints. If you decide to do this, some attention has to be paid to storage, but flour and sugar stores well in the freezer or air-tight containers, as well as in the refrigerator. Beans can be stored dry and tend to last a long time. You can also check out My Food Supply and look into the freeze-dried food options that have a shelf life of 25 years. That ensures that you can both buy in bulk and reserve a food storage.

Conserve energy

Setting up an electric system that reduces usage is often a popular solution to conserving finances around the management of a house. Adding insulation, installing a new heating system, air sealing windows, shutting off part of the house, all of these can add up to energy and money saved. Over time, it can add up even if you reduce the heat bill by lowering the heat a few degrees and then leaving it there.

Budgeting

Budgeting can really help if you have discipline and what better way to practice than to set goals and meet them? Coming up with a reasonable budget and keeping it makes all the difference and can be challenging and fun. Aim to cut out something that is costing you invisibly like the coffee you buy out each morning. Try making it at home instead and watch the $2 to $4 per day begin to accumulate in your life.

Walk or take your bike rather than drive

Cutting down on your gasoline consumption can help a lot since petroleum is expensive this decade. This avenue also reduces the cost of insurance and wear and tear of the vehicle. Look into different forms of transportation around your area. If where you are going is too far to walk look into public transportation or even car pooling.

There will always be hurdles in the way of your retirement funds, bank accounts or an emergency that will enter our lives, the best way to counter these unexpected bills is to prepare and always be looking for new ways to conserve money. Keeping a focus on where your money goes and how you spend will ultimately be the difference between security and scarcity.