Hey All, Mother's Day is just around the corner on May 13th, 2012. If you haven't purchasd your Mother's Day gift yet and have no clue what to buy her, don't sweat it, I got you covered! I've listed 13 helpful Mother's Day gift ideas you can purchase on Amazon. Enjoy!
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Resort towns are different from other areas of the country. In most places, whether it is in an urban or rural environment, the majority of the population support themselves by working at various jobs or as business owners. Their jobs or businesses rarely vary. They can usually count on a steady income. In a resort town, the situation isn’t like that for tourist-related business owners and their employees. Instead, the amount of money they make each year depends on how many visitors show up during the tourist season. Following are a few tips on how to make money in a resort town.
Not Your Average Town Resort towns are not your average towns. Many businesses are seasonal. If visitors show up in droves, business owners will usually make money. If the number of tourists is down for some reason, so is their income. As a result, business owners in resort communities are always on the lookout for new and better ways to attract people to their town. If you are considering a move to a resort town, keep this in mind; you may have to make an entire year’s income in a few short weeks--which means that you’ll have to set some of that money aside to live on until the tourist season comes around again. Seasonal Jobs There is an upside to a short earning season; there are usually lots of seasonal jobs available. While it’s true that most of these jobs don’t pay very much, you can make money if you’re willing to work. Longtime business owners in resort towns know that in order to make enough money to see you through until the next season, you have to put in a lot of time when that season arrives. You also have to plan ahead so you’ll be ready when the tourists arrive. Part of that preparation is finding good workers. Owners and Workers Businesses in resort towns are really not much different than in any other community. You have owners and workers. The seasonal jobs that were mentioned above are only available if someone opens a business that requires help running it. Making money in a resort town is a symbiotic relationship between owner and worker. The business won’t succeed if you don’t have good workers, and there won’t be any jobs if someone doesn’t step up and start a business. Types of Jobs in a Resort Town There are many opportunities to make money in a resort town. For example, if you live in a resort community that boasts direct access to a large body of water and nice beaches, the tourist-related businesses will revolve around the water--fishing, boating, sun bathing, etc. Marinas, bait and tackle shops, harbors with docks, and canoe and kayak rentals are obvious businesses to own--and they all need workers during the peak season. In addition, the community will also need hotels, motels, bed and breakfasts, and campgrounds to house the visitors. The resort town will also have to provide visitors with a way to find sustenance. As a result, various restaurants will need to be open to provide meals. The town will need a grocery store and party stores so visitors can purchase food to cook for themselves, and drink to wash it down. Resort towns usually have a wide variety of specialty stores that sell souvenirs and keepsakes. All of these businesses have owners. If the business stays open during the off-season months, they may be able to operate it themselves. But during tourist season, they need seasonal workers to meet the demand of long hours and, hopefully, huge crowds. Training to Work in a Resort Town If you hope to make money in a resort town, you will need to have the skills that are necessary to either run a tourist-related business or provide unskilled labor to make those businesses thrive. Even unskilled labor in a resort town takes some special knowhow. For instance, if you hire on to work at a marina you will undoubtedly be called upon by visitors to provide information on where the fish are biting, and what to use for bait. Employees at a motel or campground that provides housing for tourists are learning valuable skills that may help them if they decide to open a similar business in the future. You can increase your chances of being hired as a seasonal worker by undergoing specialized training for resort town-related businesses. An example might be learning how to scuba dive, and then getting a license to teach diving. This could help you land a job with a charter boat that offers diving lessons. Guest post from Tracy Sheldon. Tracy writes about boat insurance for BoatInsurance.org. Did you ever wonder about what would happen to your property after your death, given to the situation that your spouse is no more and you are not blessed with a child. Well, considering the downsizing option and living in another house at this old age is certainly not a choice and you cannot even think of selling off your property to some third party; after all, your sweet home holds too many attachments to just let it go.
Well, despair not; as the financial scheme of equity release comes to your right help. Wondering about the idea? The scheme offers a simple proposition; under this scheme, you are entitled to receive a monthly payout or a cash lump sum against the value of your property. However, prior to relying upon the financial scheme, you must remember that you must be above 55 years of age and must have a property of your own. Understanding the Scheme of Releasing Equity from your House With the real-estate market ensuring a steady growth, relying upon equity release scheme is turning out to be a prospective option for elderly option. The reasons are simple; you can live in your house, until your death alongside receiving a monthly payout in return of the property value. What more? You do not have to worry about paying back the loan to the equity release providers, as the provider will accrue the money by selling off your property, after your death. Why Equity Release Schemes have become Popular? With retirees left with little pension amount and stocks and bonds not gaining much profit in the industry, equity release scheme have come up as the only trusted source of generating income. The fact that you get to live in your own house and live the rest of the days in your life at complete peace without any financial worries seem to do the trick for the retired homeowners. Equity Release Schemes – The Availability While, generating income with an equity release scheme, you are likely to have the choice of investing with a lifetime mortgage or a home reversion plan. Here is a look – * Lifetime Mortgage - under this plan, the homeowner receives a cash lump sum by keeping his or her house in mortgage. Usually, the loan if offered at an interest that keeps adding throughout the living term at a fixed rate. * Home Reversion – Under this plan, the homeowner can sell a part or the entire house to a reversion company in return of a lump sum cash benefit. However, while investing with an equity release scheme, it is advisable that you seek an expert advice since; the scheme involves heavy financial transaction and requires a deep understanding of the terms and condition. Author Bio – Jonathan James holds a profound interest about writing for equity release and the various plans available under the scheme. In this article, he writes about the way investing with an equity release scheme can help you sustain a living throughout the post retirement period. Cardstore.com is offering the following AMAZING coupon valid Today 4/20 through Thursday 4/26.
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Happy Shopping! Loans and their repayment has always been something that concerned the adults and the working professionals. It was never considered as something that the students would have to bother about. With the change in the economy students are aligning more towards higher education in a bid to secure higher paying jobs. But higher education is becoming more and more expensive and education loans are becoming inevitable. Thus, even before the student can begin earning, he/she is neck-deep in debt.
Debts, no matter incurred by whom, are best repaid. All they bring is harassment. So, whenever you plan on taking a loan, decide how you will repay it. The same goes for student loans. Defaults of student loan are more likely to occur than any other kind of loan as the students are young and do not realize the implications of a defaulted loan. The following are some of the reasons to show how an unpaid student loan can destroy the future financial condition of the students. * Inability to receive any further loans or credit cards * Wage garnishment * Interception of social security benefits * Income tax refunds may also be intercepted * Getting sued for an interminable period So, a default of student loan is the last thing that a fresh graduate student wants. Therefore, it is best to take some preventive measures before it is too late. * Keep the loan amount to a minimum * Begin the repayments as soon as possible * Go for a repayment plan that will suit your pocket and your expected salary Once you complete your graduation and secure a job, you should begin the repayments. In case, you change your residence, let the lender know so that you receive the bills on time. If you have any problem in paying the money back, then it is best to let the lending institution know. They all want their money back and they try to enable you, in any way that they can, to pay it back. There are several schemes and plans that you can consider to get out of a defaulted student loan. * Delinquency: If it is a federal loan, then you can apply for a delinquency period. It is a relief period of 9months or 270 days that the federal government allows you before you have to begin the payments. * Consolidation: if you have more than one outstanding loan, then you can go for loan consolidation. This will allow you to pay one consolidated installment each month instead of one for each loan. * Extension: If you do not earn much, then paying a huge amount of money towards your loan repayment is not an option for you. So, you can apply for extension. This will allow you to pay small amount of money for a longer period of time. Authors Bio The author, Jonathan James writes blogs and articles about student loans. Here he tells us how we can save ourselves from the consequences of defaulted student loans by planning early and paying on time. Are you close to approaching retirement? If yes then, you must have involved in retirement planning through 401 (k) and other investments. Well, in such situations, what you need to keep in mind is the fact that whether the investment will be able to generate sufficient income for sustaining a living during the post retirement period? If you have been worried over outliving your income then, investing with an income annuity comes up to be the best solution for you.
Income Annuity – What it is all about? As the name suggests, income annuity refers to the simple idea of receiving monthly payouts for a lifetime against a lump sum amount deposited with an annuity provider or the insurance company, prior to retirement. The investment policy, in recent years have achieved much recognition in coming up as a potential retirement planning tool. Thanks, to the recommendation from the U.S Treasury department, income annuities today can be used with 401 (k) and Individual retirement Accounts (IRAs). According to LIMRA, the sale of the annuity policy recorded a 6.6 percent increase in 2011. Purchasing an Income Annuity Usually, an income annuity should be purchased with a lump sum. These investment policies are designed to offer the retirees with a stable monthly income during the post retirement period. While, buying such investment policy, you can consider utilizing the 401 (k) assets to make the plan more favorable for you. While, purchasing an annuity investment policy, you must always remember to seek the advice of a financial expert for ensuring a safe and secured investment. Income Entitlement with the Scheme The income that the investment policy is supposed to generate depends on several factors like, the term period, product price, age of the annuitant (joint annuitant’s age, if any). However, annuitant must remember not to take out the amount, until the age of 591/2, as it involves a penalty charge subjected by the Internal Revenue Service (IRS). Payouts Offered by the Investment Policy While, investing with an income annuity, you can consider choosing from a wide range of payout choices, dependent on your interest and specifications. Here, is a look at the payout choices – * 1-20 Year Period –the insurance company is liable to provide you an income for a specific term period. In case, the annuitant dies before term end then, the monthly payouts are passed on to the beneficiary. * Certain period + Life – the insurance company is liable to offer you a monthly payout for the specific term and even if you outlive the term period. In case of the death of the annuitant, the monthly benefits will be given to the beneficiary. * Life Only – the insurance company is liable to offer a monthly payout for life. Retirees looking forward to investing with a potential pension plan can rely upon an income annuity, eyes closed. The reason is simple; such pension plans and investment policies are designed to offer you a guaranteed flow of income stream for a lifetime. Author’s bio: Jonathan James holds an interest on anything related to finance and retirement planning. Here, he discusses about investment policies like, income annuity that can help you to live a comfortable and financially secured life, post retirement. With college education becoming expensive, students are left with the sole choice of relying on educational loan to continue with their pursuit of higher education. However, in recent times, relying upon loans is also becoming a nightmare for students owing to the stiff economy and lack of employment in the country.
Defaulting on a student loan is never an inviting situation in the credit history of recent graduate. The reason is simple; it brings along multiple negative consequences that hurt personal and professional status badly alongside leading towards a financial crunch. However, what students or recent graduates must remember is the fact that a delinquent student loan can also hurt the personal, professional, or financial status of a recent graduate badly. Student loan Delinquency – Uncovering the Myths According to recent reports on delinquency, maximum student loan borrowers end up becoming a delinquent rather than a defaulter. Here, is a look at some of the common myths about a delinquent student loan that tends to become a belief among individuals - * Delinquency is less common and less serious than defaults Student loan delinquency is quite common among recent graduates. According to researches, the rate of delinquency is twice the number of defaulters. Delinquency like, defaults also hold several consequences like, trouble in receiving credits for future. * Students graduating from college are less likely to face delinquency Borrowers graduating from college though hold a less chance of becoming delinquent, experiences trouble in repaying the loan. According to recent reports, around 42 per cent of borrowers graduating from two-year public institutions are likely to face delinquency at least once during the first five years of repayment. The number tends to rise to 57 per cent at the for-profit institutions offering a 2-year degree course. Borrowers graduating from four-year private or public nonprofit institutions are also likely to become delinquent during the initial five years of repayment. * Students borrowing Maximum End up Becoming Delinquent Well, in reality students borrowing less amount hold a greater chance of becoming delinquent. The reasons owning to the repayment can be multiple like, not completing the degrees course and dropping out of college midway. Such situation hardly helps the individual get a good job and improve the financial status for repaying the loan amount. * Students taking up loans hold a good knowledge on repayment choices This is sadly, but the case. Most students borrowing loans hardly holds knowledge about repayments and the choices they have to make matters worse, most students fail to understand the difference between a defaulted and a delinquent student loan. Though, the federal government has introduced number of repayment options, students with existing student loans and recent graduates hardly have any knowledge about the same. A delinquent student loan can also get distressing like, a default. Students with existing loans must understand the fact and seek expert advice to save their credit history from such dents. Author’s BIO – Jonathan James aims to guide and make the students aware about the consequences of a delinquent student loan. In this article, he explores the myths that are usually attached to delinquency. Annuities are becoming very popular as investment options nowadays. They not only keep your money secure but also increase it depending on the annuity quotes. Fixed annuities are similar to Bank CDs but are specifically designed for retirement savings. An initial payment or the premium ($5,000 to $1,000,000) has to be paid which will then go on accumulating an interest at a rate (3% - 10%) for a certain period of time (3 to 15 years).
Why choose fixed annuities over bank CDs? The following are some of the reasons that will show why fixed annuities are better than bank CDs: * Fixed annuities are very low risk than CDs * They have more liquidity * They are tax-deferred * They offer higher yields compared to CDs What are the available distribution models? There are two distribution models: immediate or deferred. They differ in the way the payments are made. While the former starts issuing monthly payments immediately, the latter does not pay out until the specified term is over, much like the retirement savings account. Most of them also have a lifetime income option which allows you to convert the accumulated savings into an assured monthly income for the rest of your life. This makes annuities very popular among the retirees. What are the features of fixed annuities? Different annuity providers offer different features, but the following are the common features. * You have to pay once and to have an assured life-time income. * The annuity rates are fixed * There is almost no risk * Guaranteed income even after retirement * The Procedure is extremely simple * You also get the option of a Life Insurance * You can buy as many annuities as you like * Your loved ones will inherit the money after your death without having to pay any estate/death taxes. How to get the Best Fixed Annuity? You should buy a fixed annuity when the interest rates are high. If you can afford a longer term (10+ years), then you will get a much better rate. The best annuity is one that suits your financial position based and not the one with the highest rates. There has to be a perfect balance between a high rate and flexible terms. Buying an annuity is an important decision. You can begin your search with the Internet but be sure to discuss all the pros and cons with a financial advisor. Are there any Disadvantages? Until now everything might seem perfect. But, there is nothing like a perfect investment plan. There is no blanket investment plan that suits the need of everyone. Each plan has a fine-print and be sure to read it before you invest in one. Do not get tempted by the features offered by them as the annuity providers will find a way to make you pay for them. Authors Bio: The author, Jonathan James has written several blogs and articles about annuities. Here he writes about fixed annuities and how they are better than Bank CDs. Many people actually still subscribe to the Sunday newspapers and have the opportunity to cut out the manufacturer’s coupons from the flyers that are in the paper. But today, so many other people are getting their news from the T.V. or the internet, that they have dropped the habit of print news. A neighbor of mine doesn’t get the paper, but instead asks neighbors to leave the flyers in their mailbox Sunday afternoon and she goes around and collects them. But even for those who have the newspaper coupons, it is not an ideal situation, since many times they are for products that you don’t need. Wouldn’t it be better to cut out coupons for the items you are really going to shop for? Here’s how:
The computer helps us in so many ways today, and if it can help us shop too, it has really come of age. Click here if you want to run a background check on anyone you know. Running a background check on anyone you know, especially a shopping buddy; can prevent you from being scammed or robbed. |
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I'm Louida from Atlanta, Georgia and I'm a mother of two daughters, and a full-time blogger/influencer.
I love helping others learn how to start working from home online free to help supplement their current income. I also blog at Productreviewmom.com Subscribe to newsletter
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