Useful Guides by jess.
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Forming a simple diet.

5/23/2016

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Although forming a diet is one of the most simple things to do, the vast amount of resources and information can make it seem like a huge ordeal.

There are three components for a simple diet plan. These include schedule, nutrition, and exercise.

Schedule:
This includes forming your diet schedule. Daily and weekly goals for what you want to achieve.

Nutrition:
Forming the nutrition schedule for you to intake. This include caloric goals and food types.

Exercise:
Includes the daily and weekly workout routine and the length of routine.

A simple diet plan relies on these things to be successful. You really don't need to over-complicate a diet.  You can find more on simple diet plans at Dietcount.
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business financing tips.

4/14/2016

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Small business owners rely on business financing for business operations. This includes equipment and working capital needs for things like payroll. However, getting capital, or business loans with bad credit can be a challenge. Many banks won't even look at a business if the owner's credit score is below 700. This can be extremely problematic. Lenderzip has some great tips for small businesses that need capital and have poor credit.

Banks are not the only option for funding. Brokers and lending houses can also fulfill capital requirements. Although they have different terms than banks, which usually are longer term, they are still an option for needed funds that keep business operations going or a way to expand the business.
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Business loans: rates

4/12/2016

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When applying for a business loan, small business owners have to be aware of the numerous factors that impact the cost of the loan (commercial loan rates).

Financial institutions like banks have different rates than direct lenders and the SBA. Banks usually have a lower rate, but for a longer period of time. Meaning even though the annual interest rate is lower than those of direct lenders, after completing financing, the amount you end up paying for interest will not be all that different from a direct lender, which has higher rates but for shorter periods.

Banks primarily focus on a business owner's credit score (FICO), while direct lenders focus on business cash flows. Preferable credit scores for when applying for a loan with a bank is above 700. You can get more info on commercial loan rates on loancompute.com.
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Small business tips: Small business. 

3/30/2016

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I want to talk more about small business loans and small businesses can finance essentials during there day to day operations.

Capital for small businesses can be extremely expensive.  Some businesses can certainly qualify for SBA, also known as Small Business Association loans, but this is only a select few. Qualifying for the SBA has many criteria.

One solid option for small business capital, is unsecured business loans. These loans are called unsecured because they are not "secured" by collateral, meaning you are not putting anything down that the lender can hold if you default. This in turn, makes the less loan less risky for the business owner, and more risky for the lender. In turn, unsecured business loans are more expensive.

Interests rates on unsecured business loans vary based on industry, time in business, and revenue. You can get more information on unsecured business loans on lendertip.


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Selecting the right insurer.

1/2/2016

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Selecting the right insurer could be tricky, do to the many insurers out there. Insurer's have different rates based on the factors that they evaluate when underwriting the insurance policy. This guide will be based on auto insurance, and how to select the top insurer.

Autoinsurance
Insurers look at multiple variables when underwriting an insurance policy for you. These include:

- Driving history. How long you have been driving and how many accidents you have been involved in. Additionally, this also encompasses any traffic violations that you have received, which covers things like running red lights and receiving tickets for driving too fast.

- Vehicle. The vehicle you are attempting to insure has a lot to do with the cost of the plan. Sport cars have a premium over sedans and more expensive cars will be more costly to ensure.

- Coverage level. There are multiple coverage levels. This includes comprehensive and liability insurance. Liability for example, does not cover damage to your vehicle if you were at fault in a collision, while comprehensive does. Comprehensive insurance is more expensive. 

You can read more about specifics of autoinsurance at insurerlist.com.
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Strategies to reduce taxes.

11/27/2015

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Well one goal that I think everyone has in common is to reduce our tax obligation. There are numerous methods and strategies to reduce taxes, but the one I want to talk about is through a mortgage loan. Mortgage loans are an effective way to reduce your tax obligation as they allow you to make some pretty major deductions.

When it comes down to mortgage loan deductions, you can deduct the interest of the mortgage loan on your annual tax returns, specifically form 1040. However there are some nuances you have to keep in mind when deducting your mortgage loan interest on your tax returns. For example, you can only deduct mortgage interest from your primary residence plus one additional home. Additionally you can deduct only up to a 1 million of the loan that you have taken out.

There are numerous strategies to reduce taxes, and writing off the interest on your mortgage loan is one of the best ways. You can read a thorough breakdown of it on taxpin, as well as calculate your tax savings on your mortgage.
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Real Estate Investment

11/13/2015

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Real estate investment is one of the most profitable and highest yielding return investment channel out there. However, it does require an abundance of know how and industry expertise.

There are multiple ways to invest in real estate, each having their ups and downs, benefits and drawbacks.

There are two primary types of real estate, residential and commercial. Residential is used as homes by occupants, while commercial is primarily for office buildings and warehousing.

One way to invest is, buying residential real estate, especially like California luxury real estate. Many investors create investment groups or syndicates, to buy luxury properties, then either sell them when the market is up, or rent them out.

You can find more information on luxury real estate markets on Getluxuryrealestate.com. However, if these prices are too high or you cannot find enough capital, many investors start out buying cheaper houses on auctions, especially foreclosures, and fixing them up to be money makers. I'll go more in depth on this in a future guide.
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Personal Finance - Loans

11/5/2015

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Like many people, you may be in the process of looking for a loan. May it be a mortgage loan, personal loan, business loan, or just a quick cash loan.

Before getting together with a lender, it's important to know the different loan types out there and how they differ.

- Secured loans, are loans like mortgage loans, where there is an asset that the lender uses as collateral.
- Unsecured loans, are loans without collateral, where you credit score is the primary form of evaluating and deciding terms.

Interest rates on unsecured loans are much higher, especially if your credit score is less than ideal. Prior to getting a personal loan, it is a good idea to talk to multiple lenders, to see which one may have the most favorable terms for you.

Here are some popular reasons  for a personal loan.

- debt consolidation

- credit card consolidation

- unexpected expenses (like medical bills)

- other large expenses (like vacation, house work, or wedding)


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A little bit of healthy tech. 

9/19/2015

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Thanks for visiting my first post. I'm an avid enthusiast of all things related to tech, fashion, and health.

I want to talk a little about dieting and how important it is to take time out of your day to think about how you can improve your health. It doesn't take more than just several minutes in the morning (just the amount of time it would take to put on a pair of socks) to think about how you will go through the day diet wise. Many people often don't bother, and end up eating a bunch of junk. But taking just 5 minutes to sit down and write down all three meals and stick to it will improve your day and your body.

Additionally, there is some awesome tech right now, that quite fashionable, that can help you keep track of your health. This includes devices like the fitbit, which are great little items, that look sexy, and make your body look sexy if you use them to work out and keep track of your health.

Anyway, the point is that it doesn't take long to improve your day, along with your body and mind. I'll get into more about this in the next posts. Hope to see you guys soon.

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    Author

    Hi, my name is Jessie, and I enjoy writing about anything that can help you out during life!

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