car insurance quotes Brooklyn New York
featured

The Best Time to Get Car Insurance

Posted by & filed under .

According to a yearlong study, car insurance prices actually vary for as much as 48% depending on the time of the year it was purchased.

4AutoInsuranceQuote.com, a website that helps clients receive the best car insurance quotes Brooklyn New York, has recently announced the launch of its most recent article entitled “What Month Are Car Insurance Rates The Cheapest?”

According to an article from CNN Money which was published on the 30th of January this year, a yearlong study showed that December is the best time to buy car insurance since coverage was found to be approximately 8% cheaper than March, which is the most expensive month. A study also concluded that the cost of insurance premiums vary from state to another.  Take for instance in Hawaii, the residents who acquired car insurance policies in December paid up to 48% less than those who got  their policies in March; Meanwhile, studies show that in Pennsylvania, April was the most expensive month to acquire auto insurance. (more…)

Uncle Buck Payday Loans LLP
featured

The Slow Growth of China’s Economy

Posted by & filed under .

The economy of China has reached its slowest pace in 24 years last year as it has only grown 7.4%. While most countries around the world would be rejoicing at their economic growth rate, this seemed like China’s turning point.  This is probably the reason why some companies, like Uncle Buck pay day loans LLP, in China are slowly laying off employees to keep afloat.

When the Western sanctions took effect after Tiananmen cracked down, it was the lowest annual growth for China recorded since 1990. They also came really close to missing their “approximately 7.5 percent” growth target; which would be the first time it would’ve happened for centuries. According to the predictions of IMF, India might surpass China as being the fastest growing economy in the world by next year.

China’s slow economic growth rate may seem more of a bad news for the world, but it might just be a blessing in disguise. According to Xi Jinping, this slower growth rate of China’s economy is the “new normal”. He’s most probably right. Slow economic growth is not normal, but it could be seen as an accomplishment. As what Barry Naughton, an economist has said “China’s growth is slowing because it graduated early”.

Currently, China is considered as a middle-income country due to their high standard of living and high salaries. Note that high wages mean high cost of living, it also signifies loss of low-cost manufacturing to other countries such as Vietnam and Mexico. China has also exhausted their growth potential from foreign technologies. Most of the high-tech industries in China are almost at par with their Western competition.

Uncle Buck Payday Loans LLP
(more…)

savoury chef foods catering
featured

What Savoury Chef Foods Has to Offer

Posted by & filed under .

Chef Taryn Wa and her partner Kyle Nordman established the Savoury Chef Foods catering way back 2006 as a personal catering company. However, with the overwhelming support of their clients, they slowly expanded into a high class catering company and events coordinator that offers a wide variety of menus for special events such as corporate parties, wedding celebrations, and other social gatherings. From Asian-inspired menus to classic cuisines, they’ve become popular for their elegantly cooked meals along a wide range of cooking genres.

What started as a two-man business has evolved into a 40 full-time staffs in a 10,000 square foot commercial building. They have a production hub situated in the Strathcona neighborhood in Vancouver, catering to thousands of satisfied guests giving excellent reviews.

Although a lot has changed from 2006, Savoury Chef has remained committed to utilizing fresh, local ingredients in every cuisine it serves; primarily because for them, fresh produce tastes way better than preserved ones. They constantly renew their menus to ensure that they would serve the best of what Vancouver has to offer.

savoury chef foods catering

Strathcona neighborhood in Vancouver

(more…)

quickquid
featured

Alternative to Banks? Think Twice

Posted by & filed under .

According to financial experts, it is very irresponsible to say or even suggest that the fringe financial services like payday loan and check cashing are viable or better alternatives to banks. These fringe financial services charge very high fees but until now, there is no concrete figure of how high they become. In the reports, an underbanked family is spending over an average of $2,400 to fringe services, this amount is an astounding figure and worse, they are people who belong in the bracket of low income.

In numerous studies, they said that banking services are often associated with an increased financial stability at the same time giving customers the ability to transact, save, reduce chances of predator lending and theft and gain more access to competitive and fair loans. The problem is that bank accounts are also getting more expensive, trickier and they even have hidden costs but these factors should not impair the 93 million undeserved and unbanked American citizens to fringe services.

Yes, it cannot be denied that there are legitimate payday loan lenders like the QuickQuid and other major companies giving aid to people who need immediate cash. The bottom line into this problem is for every borrower to become responsible to avoid the huge charges and fees imposed by these companies. (more…)

about gold IRA rollovers

New Rules on Retirements Savings

Posted by & filed under .

US President Obama is going for tighter regulations among financial advisers that handle IRA and 401K retirement plans. He claims that the middle-class is getting their money ripped off by their financial advisers.

Obama said at the AARP, “Because of bad advice, because of skewed incentives, because of a lack of protection, you could end up in a situation where you lose some of your hard-earned money simply because your adviser isn’t required to put your interest first. The truth is, most people don’t even realize it’s happening.”

The new rule would necessitate financial advisers that handle retirement accounts to act in the best interest of their clients, thereby adhering to the “fiduciary” standards that don’t exist as of the moment.

According to Obama, the idea pushed this rule is that in which advisers are given extra to recommend particular funds, giving incentives for bad advices which costs investors in the long run.

However, the new regulation won’t take effect immediately. It will still be passed by the Department of Labor and is still subject to comments and suggestion from the public and the congress. According to the Department of Labor, they will take criticisms into consideration before finalizing everything.

The senior policy counsel of the Consumers Union based in DC, Pamela Banks, said that this new ruling would definitely help investors.

about gold IRA rollovers

Banks said during press release, “These rules would help out consumers first by removing conflicts of interest among brokers and other financial retirement advisers, closing loopholes, and raising accountability for the industry.”

According to the White House, it implies savings for the investors. They claim that the middle class that receive biased advices experiences 1% point lower returns on their retirement investments, totaling up to $17 billion losses nationwide per year.

According to Securities Industry and Financial Markets Association, on the other hand, a 2010 study for “fiduciary” requirement finds that investors in IRA could have paid 75 to 195 percent more under the 2010 plan. They say that UK retirement investors experienced reduced access to investment advisers and low-balance accounts have reduced under similar rulings.

Aside from all of this, investors should always remember that the new rule will affect IRAs more than 401K retirement accounts. This is primarily because 401K plans are working around the element of fiduciary responsibilities. To know more about this, visit http://www.goldirareporter.com/rollovers/.

best credit repair companies

The Components that Makes Up Your Financial Scores

Posted by & filed under .

Do you have an idea what your credit score is? Many things actually depend on it including your ability to obtain credit card or buy a home. Most importantly, how much do you actually know about credit scores?

Let us try to educate ourselves on how credit rating processes work in some of the best credit repair companies.

According to Le Fevre, the director of operations at Equifax Canada, “The biggest component in delivering a score is the payment history of that consumer. So that includes: is everything paid on time? Has there been a late payment or periodic late payments?”

best credit repair companies

Note that the payment rating system ranges from 0 to 9, with zero as a new account. If you pay within a month after the due date, you’d have an R1. If you’re below 30 days late; however, this information may not even reach Equifax.

If your 1 to 2 months past your due date; you will move down to R2; 4 months past the due date, however, will drop to R5. This continues down until you reach R9 which is grounds for closure of your account due to non-payment.

Edmonton mortgage broker, Natalie Wellings, said, “Another big thing is how close your balance is to your limit. If you are close to your limit, your credit score drops. So whether your limit is $500 or $5,000, when you are close to your limit, it drops your score.”

Another component for good credit scores is that when the longer you keep your account and the longer you keep up with good payment behaviors, such as no late payments, the better your credit scores will be.

Note that the different types of credits you have will definitely carry different types of weight.

“You look at a mortgage, every month, the amount owed will come down because of the payments being made,” says Le Fevre.

Meanwhile, you can easily max out your credit card or have a huge cellphone bill in any given day. Thus, there is more risk involved.

While it is true that every time your credit gets checked, your scores would drop a little, it is not to the extent that you actually imagine. When looking around for mortgage, there’s this belief that going to mortgage brokers than banks is better primarily because they only check your credit scores once to apply to multiple lenders.

According to Le Fevre, you shouldn’t fear on shopping around. “When you’re applying for a car loan or a mortgage, the system recognizes that you may be… going to multiple locations,” he said.

You may check credit ratings through free regular credit reports. The information they provide will alert you whether there are any suspicious activities on your account that may have an effect on your credit.

Thomas Smale

With Mobile Usage Increase, Facebook Dominated Social Logins

Posted by & filed under .

Fuelled by the giant leap of mobile usage, for four straight years, Facebook has dominated the social login market. This report is according to Gigya, a customer management firm. It increased 15% in mobile sign-ins during the last quarter of 2014 and now, 77% of users who are signing on to websites using their mobile devices use Facebook for the authentication of their identity. The increase of mobile usage helped Facebook gained an additional 3 percentage points to their overall market share that stand at 61%. This is the highest since 2011 as reported by Gigya.

At the second spot is Google which fell 12 percentage points and only added 2 percentage points to their overall rating. On the other hand, Yahoo and Twitter remained at 6% overall but the trajectory of Yahoo in 2014 decreased, they lost 9 percentage points that started in 2013’s last quarter while Twitter gained by only 2 percentage points.  It must be noted too that the results of Gigya were drawn from over 300,000 sites over its network, thus; it may differ from their competitors in the industry. Facebook had an advantage in the last quarter of 2014 compared to Google at a very slim difference of 43% to 40% while with LoginRadius, Facebook still leads with a 65%-25% difference.

Thomas Smale
The results vary but the key point for all marketers is to provide the customers with a seamless experience in any platforms and devices. The CMO of Gigya, Dave Scott said, most customers do not differentiate the usage between desktop and mobile but the adoption of mobile social login will not go away. Marketers should figure out ways to create a great experience in all platforms and it should start by creating an identity record of every customer. This will provide businesses the capability to have a better understanding of their customers. Scott further said that there is an ongoing revolution with regards to customer identity, the idea of where is the data stored for the business’ customers, where is the true storage of the customer data, what they buy, who they are and what are they going to purchase next.

Right now, most of the companies seal the data off, the application on the mobile platform has also its own database and so does the web application including the POS system. This year, there is a need to combine all the database records in one platform. To better understand this matter and learn from the most experienced people in Internet business, you can attend the BHW Conference where they tapped top-notch speakers to help everyone in the industry maximize business opportunities. One of the talented speakers is Thomas Smale, the co-founder of FE International.

learn how to stop identity theft

How To Stop Identity Theft

Posted by & filed under .

Identity theft is getting worse each day and a serious problem faced by many individuals. This is the reason why you should know how to stop identity theft and make your credit score and report more secure. As more and more people make ways to stop identity theft, this will also lessen the incidents of the crime.

learn how to stop identity theft

To stop or prevent identity theft, it must start on how well and careful you are with your personal information. This article recommends simple precautions so that you will learn how to stop identity theft. These are:

  • Bring essential documents only when going out of your home. This means that you can stop identity theft if you do not bring extra credit cards, passport, birth certificate or Social Security card. In case your things will get lost, only few information are disclosed.
  • New checks should not be mailed. When you order new checks, do not send it to your home through mail, instead, get them at the bank personally. This will stop identity theft since it will be harder to steal, alter and encash the checks by identity thieves.
  • Be extra careful when someone calls and asks for personal information. The most common scams of identity thieves are calling individuals over the phone claiming they are government agencies or banks. Never ever give your personal information unless you are the one calling.
  • Do not throw your trash anywhere. Your receipts, bank statements, credit card offers, returned checks and other sensitive personal information documents must be shredded before throwing them. If you happen to throw or leave these documents anywhere, they can be very helpful for identity thieves who are looking for every  opportunity to steal.
  • Make sure that other people with your personal information are keeping your safety too. Your landlord, employer or anyone who has access to your personal data should keep the records safe or does not disclose any of your information.
  • Be in control of your credit. If you do not have the time to check your credit score and report regularly, make sure you avail of the services of a credit monitoring company that can alert you with any changes of the credit report. This is a very helpful way to stop identity theft.
  • Your Social Security Number should be protected always. To stop identity theft, inform your bank not to print or include your SS number on the personal checks.
  • Check the cycle of the credit card billing closely. Some identity thieves start by changing the person’s mailing address, you have to make sure that you receive the bill every month.

The most effective way to stop identity theft is to become proactive and take extra careful with your personal information.

stockpair review

What Makes Stockpair a Feasible Trading Choice

Posted by & filed under .

When it comes to trading in binary option, stockpair is considered to be the king of stock pairs. Aside from the regular assets such as Commodities, Forex Pairs and Indexes, StockPair also has the trading of relative strength in between two stocks. StockPair is comparable to Forex wherein we see at the relative strength of 2 assets and gauge which one is going to outperform the others. Currently, with the latest technology online, Forex turned out to be the trader’s favorite investment type. If know how things go in Forex market which is presently doing well with Forex market, then I tell you, StockPair is the best for you.

stockpair review

Stockpair from the name itself focused in stock options pair trading in which you will make an evaluation of the relative strength of particular stocks and gauge which is the strongest and which is the weakest. From that, you will decide to call and put for that stock pair in that order. Somewhat, they have an average minimum deposit. With just $200, you can begin to trade through this. $20 is the minimum trade size and $500 is the maximum. As we can see, Stockpair is for a beginner to an averaged trader. For instance you have $100,000 amount of cash to invest, then for me $500 is just too small to trade. If such is the case, I would suggest 24Option. It’s a broker that allows very large maximum trade size. Actually, 24Option has the highest trade size offer in Binary Options field. Moreover, Stockpair demo account can be accessible once you’ve opened with them a live account. There’s also deposit bonus available.

Furthermore, stockpair has a broad range of basic assets with more than 90 assets for trading available. Based on our understanding, they will incorporate more assets sooner. Basically, they have every asset that is found on other broker of binary options, from the main forex pairs, stocks to commodities. Aside from the major stocks in Europe and US, they have stock assets in Middle East and Asia too. Thus, Stockpair can serve people around the globe with various preferences. We were really impressed with the amount of assets they have and still, they are searching to add more.

I hope you like this brief Stockpair review.

Average monthly wage of newly employed

Posted by & filed under .

Definition: Total number of accessions that were not employed by that employer during the previous 4 quarters. (MERIC)

Average Monthly Wage of Newly Employed, 2001 - 2006

Rationale: This is an indicator of economic well-being of new or recently displaced workers.

Average Monthly Wage of Newly Employed, 2001 - 2006

Data Source: Bureau of Labor Statistics