Estate planning is something no one really wants to deal with if only because you have to take on the subject of your mortality. Given the rather morose and unhealthy mindset we’ve developed regarding the end of life, it’s safe to say that most people try to avoid talking about death like, well, death. It isn’t an easy topic to bring up, and it certainly doesn’t get any easier when discussing how your belongings will be disseminated after your passing. What’s more, when it comes to your finances, the topic of estate planning is all the more difficult because it involves actually coming face to face with some serious numbers.
It’s too bad that so many people tend to face their final financial planning as a way of showing how little they’ve accomplished over their lifetime. People need to focus on the fact that they are making a plan the benefits their family after you are gone. They should be allowed to grieve, and proper estate planning accomplishes this task.
Here are five secrets (truth be told, it’s just common sense) to successful estate planning:
1. Draft A Will – Mocking up a simple version of your will doesn’t cost much and at least starts the process of where things may stand when you pass.
2. Name the Executor – As the title suggests, this is the person who will handle all aspects of your estate. You want someone you can trust, but you also want someone who you know will do a proper job.
3. A Living will – A living will scares a lot of people because it makes you face the possibility that you’ve either suffered a serious accident or are completely unable to communicate with those around you near the end of your life. Major court cases & drawn-out family dramas have come from a living will not being available & everyone scrambling to perhaps know what you might think would be possibly OK to do for you. It can get messy.
4. Update Your Will – Not only do you need to start the process of planning your estate, but you need to review the documentation at least once a year. Any changes that may come your way such as major life events (i.e., deaths, marriages, etc.) may change the contents of your will, so it pays to look it over regularly.
5. Communication – Before you pass & a final reading of your will takes place, and certainly before you are unable to communicate with your loved ones, you need to keep the lines of communication open so that you can tell everyone what plans you’re making. Yes, your will is the legal document of record, but should an issue arise regarding your intentions, you’ve at least been keeping everyone abreast to your wants.
Estate planning is not a fun time. Rather than approach the matter as a dreary “to-do”, though, think of it as just another note in your day planner. It is a rather defining moment in adulthood and one that everyone must understand is perhaps the most important thing they’ll do to help their family out when you’ve passed on. But it isn’t a way to signify an end to life; it’s more a symbol of you firmly having your sights set on the future.
Nowadays, liquid cash is an essential thing. It does not really matter if you are the single heir to a very large estate. Getting it encashed would take you a long time after the descendant has deceased and after all the formal processing has been done. The best solution to this problem is the inheritance advance concept through which the heir to the estate gets the cash right way without any delay. Through this process, the heir gets the advance amount from the distributed amount without having to wait for a long period of time.
An inheritance advance policy gives the heir an option to choose whether he wants the entire amount or wants them in parts in a matter of just three days. The best thing about this feature is that you don’t have to worry about any hidden cost or additional charges for availing this facility. Since this is not any type of a loan there are no approvals required and the heir does not have to worry about repayments. Only the probate or the processing fees have to be paid, which depends on the size of the state and also the amount of money being claimed at once.
The Process of Inheritance
The possession of the deceased first goes to the probate court process. If the heir wants to claim the possession, referred to as estate, then he can avail the inheritance cash advance policy. The concept behind this policy is very simple. Once the state is ready to be distributed, the investor’s amount is cleared off from that amount. The remaining share of the heir, if any, is also cleared off during that point of time. The personal representative of the heir would take care of filling of tax returns and payment of bills which depends entirely on the state government once the probate process of the court is closed.
Eligibility for Inheritance Cash advance
The inheritance cash advance feature does not affect the share of the other heir if any involved in the distribution of the estate. The transaction is made strictly between the investor and the concerned heir. The heir just requires proper verification and paperwork to get his share at the earliest.
Getting a taste of the real world jobs out there that pertain to your area of study can be an eye opening experience. You will work side by side those that do this type of work day in and day out. Such information can further fuel your passion for the career path you are on. It may help y to narrow down the specific area of the field you wish to go into.
With a Citi summer internship, you will have an unforgettable opportunity to get onboard for such learning experiences. These positions are limited though so you need to pay attention to the deadlines for applying. You also need to submit all of the requested materials with your application. Otherwise, you may not get that position you really wanted.
Large Financial Institution
They are one of the largest financial institutions available. They want to do their part to help encourage others to get involved in the world of finance. There is a wide spectrum of types of jobs that fall under the umbrella of their services. The various Citi summer internship areas include finance, technology, human resources, global transaction services, and commodities.
Apply for the ones that you are the most interested in. If you apply for more than one, you can only select one to take part in. However, applying in more than one area does improve your chances of being selected. Your dilemma at that point would be deciding which one to accept if you accepted for more than one. That is a bridge you can cross when you get to it!
Who can Apply?
You are eligible to apply for a Citi summer internship if you a junior or senior in college, you are a graduate student, or you have recently graduated from college. In addition to business skills and experience, they are looking for those who excel in the areas of communication and integrity. A passion for a career path in business is a strong asset they look at when deciding.
You can apply for a position in the USA, Africa, Europe, or the Middle East. They have a very diverse business culture with locations all over the world. Being able to work in your location or being able to get an internship in a location you wish to travel can be very appealing.
It is also encouraging that you will get paid for your participation in a Citi summer internship. This is good news because many companies offer internships that aren’t paid. They feel the experience they teach you is compensation enough. Being able to work for an excellent company like this and get paid to do so is the icing on the cake!
The amount you will earn depends on where you work and the common entry level salary offered by Citi Bank in that area. The specifics about work hours and payment for the position can be discussed once the offer is extended to you.
Application that Rocks
As you can imagine, there are plenty of people applying for the various opportunities. You need an application that rocks to be considered for one of the Citi summer internship positions. Complete the application neatly and providing as much information as possible. Your supporting documents including your resume and cover letter need to be exceptional.
Focus on sharing your experiences, your education, and your future goals relating to the world of business. You will need to provide letters of recommendation so ask for those early. Get them from professionals you have worked with, long term family friends, past employers, and others who know your work ethic and character. The Citi summer internship can be a dream come true!
A personal loan is an unsecured loan which is offered to a consumer for catering their various personal needs such as the renovation of a house, marriage, home appliances, buy vehicle amid others. This is offered after verifying one’s ability of paying especially the income source and also according to their credit history. A nominal processing fee will be charged and the sum as per a person’s paying ability will get credited to their account. In fact the loan payment is made via fixed installments which also includes interest and for fixed time periods. The icing on the cake is these days personal loans are a smart choice as one do not require going through a lot of formalities and tedious paperwork. Most of the financial institutions and banks offer personal loans today and the rate of interest is also quite reasonable.
Discover the different benefits
• Available easily- to get a personal loan is no longer a challenging affair. It is offered by almost all financial institutions and banks at a reasonable rate of interest. Compared to other loans it is convenient and easy to get
• No middleman or agent involved- for availing a personal loan one will not require taking the help of an agent or a middleman. This will avoid unnecessary expenses and delays. A person can approach the financial institution or bank for the purpose directly
• Unsecured loan- this is indeed an unsecured loan. Here no collateral security is needed for availing the loan. In fact, all that is needed is one’s ability of paying back the money.
• Less processing time- because it is accessible devoid of any guarantee or security the processing time needed to get this is naturally less compared to other loans
• All purpose loans- in this form of loan it is not compulsory for a person in specifying the reason for which they will be using the money.
• Minimum paperwork- to get a loan will not need any asset verification or other forms of certificates and proofs which include ample paperwork as none of one’s property is mortgaged
• Offers and schemes- different financial institutions and banks keep announcing offers and special schemes on personal loans, especially for the professionals such as architects, doctors, chartered accountants and the like
• Amount and tenure- these loans generally are provided varying from Rs 15000 to Rs 20 lakhs differing from one bank to another. The repayment can be made through EMIs
The bottom line is, rather than borrowing money from a credit card it is always better to choose a personal loan as the rate of interest is comparatively lower. So reap its utmost benefits.
You might have a smooth running life, but that in no way means that there won’t be a problem with you. You can face an emergency situation at any point of time. So, for that, you need to be careful enough. A loan at this point of time can be a savior for you. It can help you meet a financial crisis. Through a loan, you are going to get some cash that will be helpful to meet the personal needs. But getting a loan is not that simple. There are certain steps that you need to abide by so that your loan plea gets approved.
Check the Eligibility Criteria
Most of the loan providers do have an eligibility criterion. Some prefer the borrowers to be within a particular age group, generally between 21 to 65 years. Another thing that they might be checking about you is a minimum amount of earning per year. Maintain that you are not a defaulter on any of your previous loans or credit card bills.
Verify Your Credit Score
A credit score is what the lenders are going to determine before they give you a loan. So, before you apply for the loan check for the credit score so that the loan plea does not get rejected. If your scores are not good enough rectify them. This will increase your chances of getting the personal loan approved and also might fetch you attractive interest rates.
Provide Genuine Details
When you are applying for the loan, make sure to provide all details that are true to the best of your knowledge. The lenders will doubt your intentions and will cross check everything. They might consider visiting you or giving you a call personally to verify the information you have provided. So, giving them genuine details will increase your chances of getting the loan approved.
Avoid Several Applications
Aim for a realistic loan amount that is payable by you. So not ask for huge amounts because in that case the plea might get rejected. Another mistake that most people make is applying at several places. The lenders will doubt your intentions and your probability to get the loan approved will be reduced. Also, multiple applications will affect your credit scores.
Have a Stable Source of Income
Having a stable work history is sure to impress the lending institutions. If you are having a minimum of two years of experience that will be an added advantage. Try to avoid switching jobs and maintain a stable source of income.
These are some of the factors the loan providers take into consideration. So, before you apply for a personal loan, consider having a proper knowledge about the terms and conditions and work according to get the loan approved.
Would you like to make money online? Affiliate marketing is a great way to make money online and it can make you really rich, if you learn the process and technics. And if you want to get rich from affiliate marketing, you must start by learning the basics. Many people say that you need a mentor to teach you the whole process, and many pro affiliate marketers use similar ways.
Let’s get started:
Yes, if you want to do affiliate marketing online, it is a great way to make big money. All you need is to join an affiliate network. You join an affiliate network like Commission Junction (CJ), Share a Sale or Clickbank. Beginners like you start with Clickbank. It is because as you make a sale, you can earn a commission of %50 or %75 of the products price! Interesting, isn’t it? That is because Clickbank sells only digital products like e-books, memberships etc.
Hey! I know that you liked it, but you SHOULDN’T join Clickbank before you learn how to make money online. That is because you must make money in the first three months. If not, Clickbank cuts $1 from your future earnings for every 2 weeks. After 6 months without earned money, the cut increases to $5. After 12 months: $50!! So do not start your adventure until you know what to do.
What should you do?
The answer is simple and you already know it. You should find someone to teach you what to do for online affiliate marketing. Yes, you simply need a quality guide, and I have something that you should see at the bottom of this article…
But before that, you must understand that you won’t be a rich man if you do not do any work. That’s why affiliate marketing is not for the lazy people. But don’t worry. After you earn your first commissions, you will understand how to make ‘big money’ online. In simple words, there are no major difference between making $200 a month or $20.000 a month!!
The right information and your effort is enough to make the money you want.
If you are an absolute beginner, you must learn the basics from ‘the masters’. There are so many guides that may help you to make ‘some money’ online or ‘big money’ online. It is easy to find one of them online, but you should choose the right guide. Some guides offer you a life time membership for a little money. If you find a chance like this, do not hesitate to use it. (I will show you two of them.)
Website analytics is probably the last thing an online business owner wants to worry about. With 15 things to do every day before 10 am and another 50 to do before you can call it a day, sitting down in front of a bunch of web traffic stats seems like a waste of time. While I agree with the sentiment, it’s completely wrong. In fact, website analytics should be the first and last thing you review every day and I’ll give you three reasons why:
1. Web Analytics Help You Detect Fraud and Incompetence
Have you hired an SEO expert? PPC marketer? Social media guru? If you have people on staff or retain contractors to help you with your site, website analytics are your best friend.
Forget about the reports these experts create because all stats and data can be manipulated or ommitted. What you need is raw, reliable data to calculate the ROI of the services you are paying for.
Specifically, programs like Google Analytics can help you quickly isolate specific traffic streams and provide a host of useful data to calculate ROI, including:
Conversion Rate of Specific Traffic Channels
Conversion Rate for Specific Targeted Keywords
Average Time on Site for Specific Traffic Streams
Bounce Rate for Specific Traffic Streams
Of course, the conversion rate data for specific traffic streams (or Internet marketing experts) will help you calculate the ROI. But the average time on site will also help provide a rough gauge of overall traffic strength. If a specific traffic channel can’t keep visitors on site for more than 2 minutes, the traffic is either weak or you have significant issues on your landing pages.
2. Web Analytics Help Assess Site Health
To put that another way, web analytics essentially help show you where you need to invest your money most to boost online profits. Specifically, website traffic analytics will help you assess:
A. Traffic Strength
B. Sales Funnel Effectiveness
C. Shopping Cart Function and Conversion Rate
D. Website Conversion Rate and Rates for Specific Services/Products
For instance, high bounce rates and low average time on site typically indicate weak traffic or exceptionally poor landing pages. You can confirm which by looking at the data for specific traffic streams to see if there are significant variations in performance. If there are, then the issue is likely a weak traffic stream but if all channels are doing poorly, it’s more likely to be landing page.
The point is, the data tell you what’s wrong with your site so you can best channel your investment dollars to the most critical areas.
3. Web Analytics Eliminates Needless Split Testing
In most cases, optimization of landing pages and product descriptions is completed via split testing. That is, decide what sales tool you want to test (like a headline or CTA) and then create a new one to split test against. If your new sales tool performs better, conversions will increase and your hard work rewarded. However, this is rarely how it works.
You see, the thing people always forget about split testing is it’s sheer expense. To statistically verify even a lead gen site with a non-monetized CTA, you need at least 1,000 visitors or more to each version.
So if you think a landing page or product description might have problems with the headline, value proposition, and credibility tools, that’s at least 3 tests you need to run at 2,000 visitors per test. At even $1 a click, you can see how that would get very expensive, very quickly.
And the worst part: You have no idea if the headline, value prop, or credibility tools are even suppressing conversions. You are just split testing one sales tool versus a new one and hoping for the best, seriously.
But with web analytics, you can pinpoint the issues and eliminate the guesswork saving loads in unnecessary testing costs and content creation.
In conclusion, web analytics really are vital to your online success because they provide you with an accurate assessment of site health and your investments in traffic generating services. If you don’t know the true health of your site, then how can you possibly know what it needs to grow and be more profitable?
In this article, I will be talking about a specific MLM funded proposal system. If you have been doing any marketing online for a while, you have probably heard of My Lead System Pro. My Lead System Pro definitely fits the category of a MLM funded proposal system. The one thing that makes My Lead System Pro a MLM funded proposal system is the fact that it is a product that is related to network marketing and that you can get paid money for selling to other network marketers and/or other types of online marketers. coleintl.com
There are 2 parts of My Lead System Pro. The first part of My Lead System Pro is the compensation structure. This is what makes My Lead System Pro a MLM funded proposal system. There are 2 levels that you can join My Lead System Pro at you can join at the University level or the Mastery level. The mastery level is $149.97 per month and the University level is $49.97 per month.
There are several ways that you can earn additional income as a Mastery member you make either a one time commission of $1,000 for anybody who orders the annual Mastery level membership or $100 per month. You will get to make the full $1,000 per month from the time you place the order. As an University member you will get paid only 33.00 per month for the first 3 people who purchase My Lead System Pro as a Mastery monthly level client and you would earn
$330.00 for a Mastery member that decided to buy the annual package.
Also, the good news is you make $100 after the first three 3 sales are made. The Mastery level membership also offers the additional benefit of being able to put the url’s of any website that you are trying to promote online to other people.
Also, there are some additional benefits that come with being a Mastery member you get full resale rights to products from the best internet marketers and you can receive 100% of what the product cost minus merchant account fees. The one time commission checks for this product ranges from $7 to $2497. Also, if you are a University member you receive only 30% of what these products cost and after you make three of these purchases you will be able to earn the full 100% of the cost of the product.
The second part of this MLM funded proposal system is all the trainings you get on different internet marketing strategies. My Lead System Pro provides training on different internet marketing strategies such as article marketing/content marketing, twitter marketing, pay-per-click marketing, instagram marketing, facebook marketing, solo ads marketing, classified ads marketing (trainings on craigslist and backpage),and keyword research. The above named internet marketing strategies are a combination of free and paid internet marketing strategies. This gives the members of My Lead System Pro different options when it comes to generating leads.
There are some other benefits of this MLM funded proposal system. My Lead System Pro gives you the ability to build your own personal emailing list. Also, you can utilize an autoresponder like Aweber, GetResponse, GVO, or you can choose to utilize the system autoresponder. Also, My Lead System Pro provides you prepared follow up emails to send to your prospects that can be put into your own autoresponder. Also, My Lead System Pro provides you with sample ads that can be utilize when doing ezine advertising/solo ads, classified advertising, pay-per-click advertising, and forum marketing.
There are various reasons why there are many individuals who want to start their own home-based Internet marketing business. Some are saying that the amount of money that they are earning from Internet marketing is higher compared to their monthly salary from their regular work. It even comes to a point that they are earning money similar to or more than the salary of their managers and department heads! This is relatively true, since there are Internet marketers who are earning as much as a hundred thousands of dollars within a month.
Other reasons that these Internet marketers may include in their list are their differences with their respective bosses, spending more time with their spouses and children, the chance of traveling which is virtually impossible if they are just ordinary employees, the chance for an improved quality of life, and others. There may be other reasons behind their determination to start and continue their home-based Internet marketing business, but these are all under a single theme.
All individuals starting their home-based business really look for one thing—and that is FREEDOM!
If you have your own home-based Internet marketing business, you will gain freedom from the pressure of your work. There will be no boss who will tell you what you need to do and what you need not to do. There will be no alarm clock that will wake you up and go to your dead-end work that does not pay you enough to let you do what you want to do. You will be able to tell your children that all of you will be going to Disneyland during Yuletide season because you have enough money. You will be able to watch your favorite musicals or play your favorite sport since you do not have work to attend to.
Yes, it is about money. However, if you do not have the freedom with the things that you want to do and you always act as if you are a robot who will follow everything for the sake of earning more money for your family. By starting your own home-based Internet marketing business, you will be able to ditch your boss, your bedside alarm clock, those coats and ties that you wear, the gripping clients, and other pressures that prevents you to enjoy your work.
There was once an Internet marketer who confirms that the freedom offered by home-based Internet marketing business is really fantastic. He starts his day at 10 o’clock in the morning, going to his “office” on his favorite lay-around-the-house clothes. After doing all of his Internet marketing-related task in the morning, he will sleep again and will wake up at around 4 o’clock in the afternoon, do some grocery shopping on the nearby grocery store, and checking his personal computer unit if there were any updates with regards to the deals he had made early in the morning. He can do all of this because he is the boss and in-charge of his home-based business. There was no real potential loss since he can make it up on the next day.
That is freedom—even in the strangest way possible. You do what you want or what you need to do without asking permission or worry about what will happen to your pay slip if you leave work earlier… or probably take a day or two off completely.
However, there are few individuals who realize the benefit of freedom in starting a home-based Internet marketing business. Most of Internet marketers just sign up on a particular Internet marketing program and make all the money that they could.
Another freedom that you will enjoy in starting you home based Internet marketing business is carrying your “office” on other locations aside from your bedroom or the basement of your house. Even you are in Disneyland, the coastal areas of Florida, or in the casino haven of Las Vegas, you will be able to close deals and earn lots of deals. You will feel more relaxed if in between your relaxation or vacation on other places, you are thinking of a business that is giving you salary no matter what you are doing.< declare yourself to be the BOSS—doing what you love to do without the fear of being FIRED and LOSING!