Category: FInance

How To Choose The Best Infrastructure Financial Services

Nowadays infrastructure financial services are a necessity for nearly every business in the big leagues. The management of resources in the appropriate way through use of a systemized channel is vital for work to continue to run smoothly. Having a solid back up of infrastructure is what allows any business to maintain a strong showing. Here are some suggestions for how to choose a corporation for infrastructure financial services:


Look for a company that has been in business for a while, even a decade or longer, and has expanded its services to provide many varied financial services including involvement with world class infrastructure. It’s team should be composed of leading finance professionals with many years of experience between them. They should be constantly involved in creating innovative and competitive solutions for their clients to prosper. They should be aware of what is going on whether it is in the United States or overseas and to be able to advise their client accordingly.


The company you choose to be your infrastructure financial advisor should have a large portfolio of companies that it has already assisted on the road to prosperity. Their projects should include Urban Infrastructure such as helping to develop projects in Water Supply and Sanitation, Solid Waste Management and even Traffic. Their services and record of accomplishments should include having been instrumental in implementing municipal reforms for improving efficiency and also having made contributions to cost reduction in the area of municipal services.

They should be involved in world class infrastructure. Things like building bridges, roads, improving the water supply, etc. They should also have a large and varied portfolio to display their successes for potential clients to examine.


Also this company should be on the cutting edge of the infrastructure sector and know exactly what is going and where the best areas are for investment. They should be able to build careers based on specializing in new and creative techniques for developing and financing innovative infrastructure projects. And they should be able to structure a financial package for the investment in infrastructure which is beneficial to their clients.


The company you chose to represent you in the infrastructure field should have a sterling reputation for being able to bring success and prosperity to their clients. They should know what they are doing and be able to anticipate what are the next logical steps to take to improve their clients investment without having to consult with other businesses or explore the latest trends because they should already have determined what they will be and be working to make their client’s investment bigger and better by using these trends in their favor.

Mathematics Of Finance

The techniques of mathematics useful for the financial institutions like banks, investment collecting agencies, insurance companies and leasing companies etc, included in the mathematics of finance. Community used techniques of business mathematics included in the mathematics of finance are based on the concept of simple interest, compound interest and Annuity.

Interest Interest is defined as the additional amount of money paid / received on each period at a stated rate on borrowed capital or investment. Interest is further classified into two classes i.e Simple Interest and Compound Interest.

Simple And Compound Interest

The interest earned on capital, when the interest is withdrawn as it is paid, then it is known as simple interest. Thus, in simple interest the capital remains fixed. While in compound interest the earned interest in each period is added to the original capital as it earned. Thus the capital, and therefore the interest on it, increases year by year.


The idea of an annuity is based on the fact that every one of us desires to have a large amount in future but few of us are in a position to save an amount at present which after earning interest may become the amount as desired by us in future. However majority of us may be in a position to save small amount at regular interval of time to meet the future requirements.

The regular periodic sequence of savings / payments / installments charged with compound interest is called an annuity

Characteristics i.The amount of payment is usually identical throughout the term of annuity. ii.The interval of time in each payment period of an annuity is usually constant such as annually, half annually, quarterly or monthly. iii.Growth rate of money remain constant throughout the term of annuity and charged compounded. The rate of interest usually mentioned on annual basis but maybe compounded half annually quarterly or monthly basis.

Applications 1.Business of insurance companies 2.Business of leasing companies 3.Business of goods sold on installments 4.Business of house building finance corporation 5.Business of Bound or Debenture 6.Amortization of debt etc. Types An annuity may be classified in any of the following three classes i.Ordinary Annuity ii.Annuity Due iii.Perpetuity

Ordinary Annuity An annuity is considered as to be ordinary annuity if each payment is made at the end of each payment period and continue for a definite period.

Annuity Due An annuity is considered as to be annuity due if each payment is made at the beginning of each payment period and continue for a definite period.

Perpetuity An annuity is considered as to be perpetuity if the payment starts on a certain date and continue for indefinite period. is an online tutoring company that provides affordable tutoring,online math tutor and test preparation worldwide. Tutorservice uses technology to bring high quality, convenient online tutor right into the student’s home.

How To Become Financially Wealthy In The Insurance Industry

When I started out selling in insurance, I never dreamed I would get to the level of income that I enjoy today. As in most professional sales careers, when you perfect your sales and prospecting techniques, your ability to earn a great living will follow. But, even then, you are still far from the peak of the mountain top in income potential.

In order to obtain income levels far beyond what most agents ever dream of, you must understand the power of leverage. “Leverage” is the way most MGA’s, IMO’s, FMO’s and NMO’s in the industry earn millions per year instead of thousands per year like most agents. With personal sales alone, there are only so many hours per week that are available to make sales. Not to mention the many other things that competes for your time like family, friends, church, leisure, etc. You create “Leverage” by maximizing your income opportunities through the efforts of others as well as your own. Only then can you free yourself from the limits you can earn from personal sales, because of your limited time available.

The traditional growth path for most agents who eventually become MGA’s, IMO’s, etc, has been to learn and perfect their sales and prospecting techniques over time, then take the next step to position themselves to earn additional income from teaching other newer agents what they have already learned. However, getting to the point of qualifying for an MGA or other marketing type contracts for multiple carriers can take years to accomplish. In addition, the start up overhead expenses and required resources can be very costly.

What if you had available to you right now a complete system that provides all the products, resources, training, compensation structure and opportunity to due exactly what I am talking about right now. Start creating Leverage today, even before you’ve perfected your own sales and prospecting, even though you do not have any MGA, IMO, FMO or NMO sales contracts.

The United Independent Wholesale Insurance Network has created a success system that provides an opportunity for savvy agents to not only survive, but thrive, in our very lucrative but demanding business.

I encourage you to fully examine this dynamic program and discover for yourself what other agents all around the country are calling “The Most Powerful Insurance Marketing System” ever designed.

Here are just a few of the reasons agents are joining the UandIWIN network around the country!
Retirement Security
Experienced agents know that renewal income alone will not provide a long term secure retirement. They understand that the only way to grow income year after year, even after retirement, is to create “Leverage”.
You have full vesting rights from day one, meaning you own your block of business and renewals as well as your monthly bonus revenue from your down line sponsored agents. Leave the block of business and the distribution channel you build to your heirs!
Product Selection
UandIWIN has over 40 top featured Insurance Companies in their Portfolio. If you sell Health, Disability Income, Life, Annuity, LTC, Medicare Supplement or Medicare Advantage you will appreciate the product selection.
Sales and Product Training
Join in on as many of the weekly sales and product training webinars as your schedule allows. With the size of our product portfolio, there is always something new to learn.
Unique Bonus Program
Earn up to six different types of bonuses in addition to your personal sales commissions. Person Production Bonus, Personal Sales Volume Bonus, Quick Start Bonus, Organizational Volume Bonus, Structural Bonus and Breakaway Bonus!
Unique Opportunity
Immediately begin building a multi-state insurance sales organization through the use of Leverage. No costly multi-state license fees. Your sponsored agents don’t even have to be writing with the same company or products to receive volume credit!
Downline Development Program
Accelerates your agent sponsorships and the growth of your Quick Start, Organizational Volume and Structural Bonuses.
Business Building Tools
Comprehensive Website, UandIWIN Toolbar, Life and Health Quote Engines, Promotional DVD, Recruiting Brochure, Power Point and Flip chart Presentations, Sales, Recruiting, Coaching & Opportunity webinars, Downline Development Program and more.

Personal Finance for Seniors Be Careful of Investment Scams

Studies have shown senior citizens are frequently the target of various investment scams, with many losing money and property to dishonest and predatory operators. The good news is that armed with the following information – seniors will know what to look for and can identify and avoid such scams.

Here is a list of the common scams that target the elderly, and how each operates.

Pyramid schemes
Investment seminars
“Compensation” Scams
Equipment leases
Gift annuities

Pyramid schemes

An old favorite for the scamsters, Pyramid schemes assure high returns to investors, but the only people who systematically get rich from these schemes are the promoters themselves. These investment opportunities generally promise large profits based on the investors’ ability to enlist other people to join the programs. Because the scheme uses the money from new investors to make payments to the old ones, some initial investors make money, but sooner or later, these schemes collapse and most of the investors lose all their money. Pyramid schemes often have no other source of revenue except for money put in by the new investors.

Investment seminars

Investment seminars do help to make money, but the ones who are consistently laughing their way to the bank are the advice peddlers. They are the ones making money from the admission charges, books, posters and audiotapes/ CDs sales. You should be very wary whenever you are offered any such get-rich-quick schemes.

“Compensation” Scams

These scams bring to mind the old adage, “Fool me once, shame on you; fool me twice, shame on me”. Investment scam victims often let the scamsters take them for a ride repeatedly. This is because the scammers promise to compensate the previous losses and bring in fresh gains. After losing some funds, seniors who have been duped once often go along with the new schemes with the hope of recouping their losses. Instead, they compound the damage and let the con artists take away more from their savings.

Equipment leases

It is true that most of the equipment lease deals are genuine, but there are quite a few tricksters operating who try to take advantage of the seniors by selling interests in ATMs, pay phones and Internet kiosks. What generally happens in such a scam is that companies sell equipment through intermediaries and then agree to lease back the equipment for a fee. Investors are promised huge profits with no risk. But the unrealistically high commissions and returns that they claim to pay are not feasible, and would doom any project.

Gift annuities

Gift annuities are basically cash/ property transfers to charitable organizations. A charitable gift annuity is just like a normal fixed annuity – except that a charity benefits from your investment. There is no problem with gift annuities per se, but many small organizations have jumped into the fray, promising high returns but giving only vague information about themselves. These are generally designed to relieve you of your funds or property, and it’s best to steer clear of such schemes.

While there is no shortage of con artists, most of them operate in very predictive ways, as outlined above. Seniors citizens can easily recognize these scams from the descriptions and methodologies mentioned here, and steer clear of the scammers before they are taken advantage of.

Financial Consultant for best investment plan

Holistic Investment Planners are the Financial Planners and Investment Advisors for Senior Corporate Executives and NRIs. They help their clients to identify financial goals, develop strategic investment plans for creating, preserving and managing wealth, and achieve results in their wealth management.

Clients make significant improvements in their investment strategy and unique customized wealth management approach that enables them to take right financial and investment decisions.
By using 360 degree wealth management approach, Holistic provides strategies needed to preserve, manage and transfer their wealth. Unique customized wealth management approach will help the clients to avoid costly mistakes, manage risk, save time, and improve their overall financial investment results.

Financial security tomorrow requires that you make profitable investment decisions today. Holistic, investment advisory package will show you how to invest like a veteran. It gives you the suggestion on where your money should be invested with reference to whether looking to make money now or over the long term.

Holistic understands that each and every individuality has unique financial situation and provides assistance based on their situation. Advisory services help the clients in taking decision about wealth management, money management, personal financial planning, investment planning very easier.

Clients may need assistance in various aspects of money management so Holistic can create a customized package based on their requirement.
A few aspects on which Holistic has already coached their clients are:
How to get out and stay out of debt ?
How to create a workable budget that gives you money and life?
How to set priorities and guide your financial decisions?
The savviest ways to finance big purchases like a home or an education?
Tactics for eliminating when saving and investing?
How to develop good spending habits?
How to get on the road to financial fitness?
Principles and techniques of successful investing.
The above is not an exhaustive list of coaching provided by holistic and It can be personalized.

Vehicle Finance Buy A Car As Per Your Circumstce

Purchasing a car involves high amount of money that may not be affordable from own pocket. Vehicle finance, therefore, becomes part of buying a car for most of the aspiring people. The loan, however, should be availed only after ensuring some steps to escape incurring debts.

Prior to applying for the finance, it is crucial to ask the credit rating agencies for your credit report. The report will be studied by the lenders in order to find out the risks. Hence, you must correct any errors in the report about the payments you made in the past. As the terms-conditions and interest rate will be determined on your existing credit rating, it is advisable to first pay off some of the old loans, if any, and apply for the finance after the rating has improved a bit.

Vehicle finance comes in secured or unsecured options. Homeowners can find the secured loan at low rate of interest against any property, pledged for collateral. Such a loan is usually opted for buying a highly priced new car, as collateral can let you borrow the amount that matches with the car price. But, if you are a tenant or a homeowner, who does not want to put the property at stake, can also find the finance in unsecured option, without collateral. The rate of interest will be slightly on the higher side. The loan amount goes up to 25000 only. Repayment of both the secured or unsecured loans is restricted to 5-7 years.

Another aspect is that you are required to make a good amount of down payment to the lender. If you can make a sizable down payment, it will cut the lenders risks. Therefore, even bad credit borrowers can find suitable vehicle finance despite late payments, CCJs, arrears or payment defaults. But you should first apply for the rate quotes of the lenders. Some of these offers can be located at competitive rates, especially when the loan is availed through online mode.

Financial Infidelity What Is It

Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at or call 770-638-7145 for a free 30-minute no obligation consultation.

Use These Tips To Avoid Personal Finance Mistakes

You are interested in learning more about personal finance. With so much information available on the Internet, it is hard to narrow down what is legitimate and what is trash. In this article we will provide you with high quality tips and tricks that may just work for you.

Have a set amount of funds automatically transferred from your checking to your savings account every month. This is a great technique which forces you to put aside a little bit of money each month. It can also help you save for a future event, like a vacation or wedding.

Make concrete financial plans to ensure your personal finances are managed effectively. Having a concrete plan is effective as a motivational tool, because it gives you a specific reason to work harder or curtail other forms of spending.

A great tip for anyone interested in finding extra money each month to put toward existing debts is to make a habit each day of emptying your pockets or purse of change received during cash transactions. It may seem like a small thing, but you will be amazed by how much money actually accumulates over time, and you may find yourself paying down that stubborn credit card balance faster than you ever thought possible.

Find out what your credit score is. It will cost you money to get your credit score from the big three agencies but the knowledge is invaluable. Knowing your credit score will save you money in buying a car, refinancing your home, even buying life insurance. Make sure to get a new one on a yearly basis to stay up to date.

To maximize the money in your wallet, try not to shop on an empty stomach. When you are hungry, you are more prone to an impulse purchase, given your higher levels of stress and anxiety. Additionally, you will usually spend money on fast food, which will add up over time.

Smoking and drinking are two things that you will want to avoid if you want to put yourself in the best position financially. These habits not only hurt your health, but can take a great toll on your wallet as well. Take the steps necessary to reduce or quit smoking and drinking.

In regards to your personal finances, one of the worst things that you can do is gamble a lot of money at a casino. Casinos are geared to have an advantage, as you can lose your life savings on a bad day. If you do go to the casino, bring a couple hundred dollars in and leave your credit and debit cards behind.

Make sure you’re not overspending on luxury items that you can’t actually afford. The most common problem people have is that they’re spending more than they’re bringing in. If you don’t have the money for a luxury item, don’t buy it. Instead of putting in on the credit card, put a bit of money aside toward the item each week. It’ll save you more in the long run.

If you are planning to adopt a child, do it this year. The government has created a larger tax break for those people who choose to adopt. It is not just for special cases, but all adoptions. This tax break can even be refunded if you don’t owe any taxes.

Signing up for direct deposits eliminates the hassle of making a special trip to the bank every payday. It also helps you to avoid lost or stolen paychecks and will reduce impulse purchases that are made between the time your check is cashed and the time that it is deposited into your account.

If you are saving for your retirement it is recommended that you save 10-15% of your annual income when your are just starting out. Obviously, if you are older you will need to save more. You also need to save more if you will not retire with an mortgage free home. The sooner you get started the more you will have when you need it most.

Get a savings account with a higher yield. The idea is to be liquid and safe while receiving some interest. Chances are that you’ll get better rates from online banks, so start searching the web for the higher-yielding, FDIC-insured savings accounts. may help. You will periodically transfer money from your emergency savings or checking into this account.

Be aware of your family’s bills and income. This is especially important for women, as they often leave the financial management up to their husbands. If your spouse should pass away, or even just become incapacitated for a time by an illness, this will be extremely important. You need to know what money you have coming in and where it is going.

Use your debit card instead of writing a check. Paper checks cost money. Even when you mail order the cheapest variety, there is still a per-check cost that is not duplicated when you use your debit card. Do make sure however, that the merchant doesn’t charge you a fee for using a debit card.

Make sure you automate your payments instead of handling them manually if you really want to ensure you always know what’s going on. It’s more convenient to handle things with computers these days, and records are automatically saved and very easy for you to access and print out for safe keeping.

Set objectives for your money management. Rather than setting up one tremendous goal, such as “retire comfortably”, map out the steps you will need to take to get there. By establishing what you need to do and the order you need to do it in, you will be giving yourself a clear path to your goal as well as providing yourself with small opportunities for success along the way.

In summary, there is a lot of information on the Internet to sort through and determine what is legitimate. Hopefully you found this resource useful and learned something new about personal finance. With the tips that we provided and some self motivation, you should not be far off from being an expert.

A Need For Financial Services Consultancy, Why Is It So

We are living in a world where businesses bloom. The economy is the one thats keeping a certain country alive. Its also a time where corporations are doing their best to maintain and uphold their names in the industry. One of the key factors that determine the success of such institutions is their financial status. How they control the money thats coming in and out of their companies can determine the success or failure of their entity.

Without the right financial services management, a certain company might end failing all its operations.

However, financial management isnt just about keeping and updating financial records. Its a work thats not supposed to be taken for granted and left to someone whos not capable of handling it. There are certain elements that should be involved in the entire process like planning, organizing, proper control and monitoring the resources to reach certain financial goals.

When financial management is done the right way, it will be coming with long term benefits. Thats the reason why your organization should never take these things away. Heres a list of great reasons why should ask the help of an established financial services consultancy.

One is that it with their experience and connections to other organizations, they can create a very efficient source and use of different financial resources. Since certain financial services management experts are well trained and experienced, they just know what to do with your situation and they can create solutions to problems you might be having without so much hardship.

Second would be that they can help you attain your financial goals without so much of hard time. Since they have all the knowledge thats needed, goals are easily attained whether it be a long or short term. Third would be that proper financial management will impress your organizations donors and stakeholders. A satisfied donor will give more and its a plus to your company or organization.

Fourth, certain funding institutions will respect and become confident in your companys ability to survive. It will also put a smile to your partner agencies and sister organizations. Fifth, since competition is high especially in this modern world, with the help of an experienced financial management services, you may eventually gain access even to limited sources.

And lastly, all of these things are just for short term basis. Your real goal for having the proper financial management services is sustainability and reaching your long term goals. Surviving the chaotic world of business and organizations needs a sound and stable finances and once you have established it the right way, it will be easier to conquer any kind of market or industry.

A Big Fat Overview To Canadian Computer, Telecommunications And Software Lease Finance

A big, fat overview..? Ok, we guess another term is simply called an ‘ introduction to ‘ and today it’s all about lease finance around the acquisition of computer, telecommunications and software purchases your firm requires.

Long term strategies around the acquisition of these types of tech assets are important, whether your firm is in the SME sector or perhaps on of Canada’s top FP 100 firms. It’s all about the issue around buying the most with what you got, as no one will disagree that tech assets are expensive. And when you have a combination of purchase power plus the financial benefits around the flexibilities that come with lease financing thats a double benefit .

One of the key areas where tech assets such as computer and telecom equipment differentiates itself is that fact that savvy business owners and financial managers will view these sort of assets from a viewpoint of ‘lifespan’. In effect you are looking at these assets from a ‘ cradle to grave ‘ outlook – and that’s a smart thing.

We’re making the assumption you have chosen the software or telecom assets you require- now it’s a case of making those budgets work. Quite often your firm is in project mode, as you are in the position of contemplating technologies newest kid on the block, ‘ Cloud Computing ‘, or simply upgrading hardware and software licenses.

The eternal basics of lease finance apply totally to tech assets. When you are successful in obtaining the proper rates and structures on a transaction you have at the same time enhanced your overall working capital position, in effect conserving cash.

We spoke of the ‘ eternal’ benefits of technology leasing, one of those being upgrades to existing assets and projects. Can you think of another asset class that has as much importance tied to is as the ability to change, upgrade, refresh, etc. Quite frankly, we can’t.

Business financing has been a huge challenge for most firms over the last few years – a lot of those challenges are behind us and you’re now in a position to invest in growth assets such as IT investments that maintain your competitiveness.

In computer, telecom and software financing the key issues you need to focus on are documentation, the legals and terms around certain areas, and price structures.

Software is a growing area of lease financing in Canada. Typically we’re talking about application software, not internal software you may be developing or having a third party develop for you. Issues that you might have to address are source code, rights to use, etc. Thousands of firms finance software in combination with their other hardware and telecom needs.

Typical terms for leasing of such assets are 3 years, which is driven primarily from aspect of ‘ useful life ‘ of most tech assets. However all sorts of terms and amortizations can be structured that utilize a combination focus on your budget, the assets useful life, etc.

If your firm requires assistance on deciding whether you should buy or lease these asset classes, and if you want to mitigate the risks associated with technology financing consider speaking to a trusted, credible and experienced Canadian business financing advisor who can assist you with structures that makes sense for your firm.