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Financial Literacy

Financial Planning

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Credit and Debt Management

Understand and implement every aspect of credit and debt management.



Safeguard yourself and your assets with insurance plans.


Income, Expenses and Budgeting

Chart out a systematic budget to keep a tab on your incomes and expenses.

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Live Financial Training Classes

Interact with financial experts and get all your queries clarified.


Online Financial Training

Distance learning options for your convenience.


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Latest Post


Survey sites are one of the best ways to earn money as these sites offer a platform to help people share their opinion on different products. This is one of the most common ways to make money online. Here are some tips which will make sure that you are making the most of paid online surveys.


Qualify a specific survey to help gain rewards

Market research companies need valuable feedback for their products and survey sites are one of the best ways for them to collect respondent’s opinion. Companies need to target the right information and also consider the demographics, personal interests and other characteristics. If you are not of a certain age and do not work in a specific industry, you might not be qualified. This is one of the reasons you require complete accuracy on profile with each survey sites.


Take the time and pay attention when you complete surveys

There are many survey sites out there, and most people are tempted to fill in multiple surveys. It is important to note that most market research companies have always detected genuine answers. This means that you need to take the necessary time to complete the survey and be consistent with them. One of the best things you can do is to look into Survey Guide and find a site which is well suited for your needs. Take your time and write the most honest reviews to get the attention.

Do as many surveys as you can regularly

With many survey sites offering many opportunities for different online surveys, you may be confused about all of the variety, but it is important that you organise yourself. There are many survey sites which can allow you to get in touch with many panels allowing you to have a clear picture. Even if you think you survey matches you need to make sure that you are responsible for completing them. Doing a few surveys is one of the best policy to maximise your earnings and also stay organised.


Check your email frequently

There are many different opportunities which will allow one to earn money on survey sites which always seem as better paid than others. This will enable one to stay up to date with your email regularly and be fast to help access better-paid surveys from various websites and earn rewards.

Keep updating your profile info

Keeping your profile updates is the best way to boost the earning, which can allow you to win the right survey sites. There are many new items that you might want to buy or change in your workplace, location, educations and spending habits. There are many sites which rely on the information which will ensure that you can stay connected.

Some Essential SAAS Apps

SAAS means Software as a Service, and this continues to gain a lot of traction across all corners in the business world, and there are a lot of good reasons why. It is on-demand Software and also web-based Software, which helps with the maintenance and even the management of favors in the world of Software. When it comes to SAAS, the service providers should be the bearers of availability, security and even performance. Businesses and organizations of all kinds have learnt to embrace the SAAS philosophy and have learned to adapt it as an alternative to on-premises hardware and likewise, deployment of Software. The information technology management metrics have reported that almost 60% of all companies have learnt to integrate at least some of the SAAS solutions into their businesses and 37% have the intention of increasing the amount of investment into SAAS in the coming months. Below, I have provided a list of many well known SAAS apps that every company should actually know about.

– is arguably one of the most well-known Software and service app that so many brands know about and are also proud to use. It has been known to remain easily and surely at the vanguard when it comes to cloud computing, and also it helped greatly by creating a revolution. The customer relations management solutions have actually been known to enable businesses and business organizations to collect all of the necessary information on all customers and leads regarding that area.

–    Microsoft Office has arguably been one of Microsoft’s most useful applications that almost everyone uses. This dominant application has been known to be helpful to millions of users all across the world, and they love using it as well. It was recently made cloud-based and has been made available on PCs, iMacs, iOS, Android and all Windows devices everywhere. You can use these software solutions to connect with colleagues everywhere, no matter where you are. These tools have been useful to organizations everywhere and continue to do so.

–    Google Apps have been just as valuable as Microsoft apps, but they have not been as widespread. You can undoubtedly download Google apps like Google Chrome, Drive, Photos (gives you unlimited storage), Hangouts, Lens, Keyboard, etc. All of these apps have proven to be really useful because they have a way of connecting people over the internet. You can use calendars and also video meetings through these apps and have a shared workspace which would contribute to time saved.

–    The next fantastic service that we should appreciate is the Amazon Web service. Amazon has been loved for long, and they have now given us more reasons to love them by giving us services like Amazon Prime Videos which allows subscription payments for the entertainment they offer.

6 Things You Must Do in Order to Prepare for a Sales Job Interview

sales job

A sales job interview is a lot like making a sales pitch. Getting the job is dependent on how well you prepare for the interview. The fact that you landed the interview is proof enough that your academic qualifications made the cut. All that’s left is for you to sell your personality and most importantly, your sales skills. Here are 6 amazing tips on how to prepare for your sales interview!

Update your documents and professional networks.

Ensure that you CV is updated with all relevant information and that all the required documents are in order. You should also include your professional achievements and recommendations. It is important to do this early enough to avoid last minute shocks. Finding out some documents are missing right before an interview can disorient you. This is also the right time to update your professional online platforms like LinkedIn.

Research your prospective employer.

Think of this interview as a sales call. Would you make that call without any knowledge about your prospective client? Absolutely not! This research will not only help you gain extensive knowledge on the company’s products but also help you identify any gaps you might help to fill. Besides, you are guaranteed to receive interview questions in regard to the company.

Prepare excellent answers.

In any sales interview, there are some most commonly asked questions. Create a list of these questions with great answers accompanying them. You will also get some sales specific questions which are the most important of the interview. Half the interview is how well you reply to the questions asked.

Work on your communication skills.

This is all about confidence and the vibes you give the interviewer. No matter how great your answers are, lack of confidence will always overshadow them. Remember that AMP Payment Systems notes that a sales job is mostly about interacting with potential clients. The interviewer needs to experience these skills first hand before giving you the job. You could perfect them by having a friend interview you.

Prepare to look the part.

Your first selling point when walking into an interview is the attire. This is the first thing your interviewer will see before they even gauge your communication skills. It also goes without saying that sales people are usually the best dressed. Ensure that you pick out a formal outfit at least the night before the interview.

Two businesswomen at the interview in an office.The documents on the desk are mine.

Prepare some questions for your prospective employer.

In some sales interviews, at the very end the interviewer asks if you have any questions you would like to ask. While most people shy away from this question, you should stand out and ask some. These questions should be well thought out and in reference to the role you are interviewing for.

Getting ready for a sales job interview?

The above tips are exactly what you need to crush it! Sales jobs are some of the most lucrative jobs to hold. How you prepare for that job interview is the determining factor in getting an offer letter. Getting prepared is half the job. All the best in your upcoming interview!

Pros and Cons of taking a personal loan!

Loans had always been a tricky game to play. You might have taken a car loan or the house loan, so might be aware of the circumstances of the loan. A person is usually a quick source of cash and becomes useful as, unlike the credit card high interest or high-interest cash advance loans give you the liberty of low-interest paybacks.

Let’s see through a few pros and cons to decide whether you must take the loan or not:

Pros Personal Loans:

A personal loan can be a rescue from all the existing debts, and you can get rid of them at once and eventually pay it slowly. As you know that there are many Top Personal Loan Money Lenders in Singapore and various other countries that are ready to provide personal loans with simple procedures. With the credits you get to invest the money in the right place like you can purchase a house which would increase your net worth. The house amount once gets paid to the bank, will be your and hence can get the amount back after selling it out. The property rates usually go high with time and therefore is always a beneficial investment. The same goes with the remodeling of the house, and you add on to the value of the home.

With the personal loans, you can also increase your credit score which is very beneficial for your financial security. The credit scores are the evaluation which tells about your finance management. The positive scores increase your reliability to the lenders, and therefore it gets more comfortable for the lenders to trust you with their money.

Cons of Personal Loans:

Sometimes it gets challenging to pay the installments every month. Being too particular with the schedule and timing, the bank would not compromise with the delay and hence, might lead you into bankruptcy. If the loan does not fit into your budget, it might lead to mental tension which is technically psychological harassment. When you take credit, you have to pay the interest which practically costs you more than the actual cost. With cost altogether, the principle rate as well as the interest when has to be paid in a particular period causes a burden for a person to handle. The planning of the monthly wages gets affected, and you have to manage all other plans according to the same. When you take the loan to pay off the debt you are paying the debts by costing another. That is a transfer, requiring more than the amount of what you owe.

Things you should consider before taking a loan


Loans come in a full range of forms and sizes. So, when regardless of whether you need your dream car or would like some more cash to splash on your forthcoming fairy-tale wedding, a personal loan can give you just what you need. However, there are a number of factors you must consider to ensure you get precisely what you need. Search for Los Angeles hard money loans to get better understanding about banks and loans.

Things to consider when taking a loan

Purpose of the loan

What do you want to use it for? Your answer to this question will dictate the type of loan you need. Knowing and getting the specific loan that you require goes a long way in increasing your eligibility. Among the many types of loans available are an unsecured personal loan, Car loan and overdraft loan. The first is offered without any security while the second is ideal for anyone who wants to buy a car. Overdraft, on the other hand, allows you to withdraw more than what you have in your account.


Once you know the type of loan that best suits your needs, the next step is to find out whether you are eligible for the loan. Establish the minimum requirements for your ideal type of personal loan. Common requirements include being an adult (that is aged 189 and above), regular income and accessible particulars of your financial situation. So, weighs such conditions against your present situation to know if there is anything you need to do to qualify for a loan.

Interest rates

Irrespective of the kind of loan you settle for, paying attention to the interest rates of different providers can help determine the amount you can comfortably repay. Note, too that financial institutions are ready to compete for your business, so shopping around enables you to get the lowest interest rate. So, ask as many questions as you want, and make sure there are no hidden charges like appraisal, origination and underwritten fees.

Loan Duration

The length of your repayment period plays a role in determining the total loan amount. So, find out how much you would have to pay for different durations and choose the duration you feel best suits you. However, generally the longer the period the more the interest will be. So, even though your monthly repayment may come down when you opt for a lengthier period, in the long run, you will pay more interest.

Credit history

You can easily land on a good loan rate if you have a very good credit history. Due to the recent widespread loan capping more financial institutions are continually becoming reluctant to lend to people with bad credit history. So, the best thing is to first check your credit history and if it is not favorable, take steps to improve it before taking a loan. This way you will increase your prospects of getting a good loan.


Once you establish the above factors, take one extra precaution; take the loan amount which you can effortlessly repay. As the old adage goes, living beyond your means is totally imprudent. So, always take a loan you can repay without resorting to selling your property or taking another to repay.

Why Should I buy Stocks? – 5 Top Benefits


Whether you are an expert or new to stock trading, there are so many reasons why you need to consider investing in the shares and bonds. Once you decide to invest in stocks, you can do it on any company including tech companies, food companies, and many famous corporations. Here are some of the reasons why you need to reflect on investing in the stock market.     Why should I buy stocks? – 5 top benefits

  1. Buying stock is taking advantage of a growing economy

When the economy is growing, the companies are growing as well. This is because economic growth helps to create jobs, generate income and increase in production. Hence, if you buy stock, you will be taking advantage of the growing economy. In addition, you are able to learn and understand how the business cycle works.


  1. Buying stock is the best approach to be ahead of inflation

If you are looking for a good investment that can give you an amazing annual return, you can consider the stock market. With stocks, you can have an average annual return of 10 percent. But the average inflation rate is 3.2 percent per annual. By learning how the market works, you can be able to hold the stocks even when the value drops knowing you will make some good money in the future.

  1. It is easy to buy stocks

One of the easier ways to invest is buying stocks. You can buy and sell your stocks anytime you want. Whether you want to make a loss or a profit, buying stocks is not as hard as other investments.     You buy them online, through a broker or a financial planner. By creating an account, you can be able to buy stocks in a few minutes. Some brokers even allow investors to buy and sell stocks for free. However, it is important to understand the investment in stocks works.


  1. By buying stocks, you can make money in two ways

Most people buy low to sell high. They look for fast-growing firms to invest knowing the stocks will rise. Knowing more about stocks, you can make good money. This is a good option to day-traders and buys and hold-investors. Day-traders always take advantage of the short-term trends and the buy-and-hold-investors expect the stock prices to grow in the future.    The other way to make money is when you purchase stocks from a strong company and expect to get dividends every year. The companies grow at a reasonable rate.

  1. You can sell the stocks any time

Just like buying, stocks are easy to sell as well. You can sell your stocks anytime. Hence, if you need some emergency money, you can easily turn your shares into cash. However, you may be forced to sell at a loss.     Bottom-line   These are just some of the reasons why you need to buy stocks. Even though there are some disadvantages of investing in stock, buying shares and bonds is a worthy investment. All you need is to learn and understand how the market works.

Everything to Know About Dropshipping


What is dropshipping?

Dropshipping is the type of retail fulfillment method where a store does not possess the products it intends to sell from the stock. Alternatively, when a store sells a product to a consumer, it initially purchases the item from a third party and then has it directly sent to the required customer. Due to this method, the merchant never handles or sees the product. For more details on dropshipping visit salehoo reviews.


How does it function?

Unlike a typical standard retail model, drop shipping does not require the merchant to maintain an inventory or stock of items intended to sell. Instead, the merchant makes a deal and purchases the items needed by the customer from a third party which is usually a wholesaler or manufacturer to complete orders.



  • Less capital is required– This is probably the most significant advantage of drop shipping as it makes possible to establish an e-commerce store without having to traditionally invest thousands of dollars in inventory upfront as compared to typical retailers.
  • Easy to start– Dropshipping has a lot of perks as you don’t need to deal with troubles like payment and management of warehouses, packing the orders, tracking inventory for accounting purposes, handling returns and managing stock, etc.
  • Low overhead– Since you don’t need to deal with warehousing and purchasing inventory, the overhead expenses are very minimal, often operating at a home office for below $100.
  • Flexible Location– Dropshipping can be operated anywhere with a stable internet connection and communication line between suppliers and customers.
  • Wide selection– Since pre-purchase of items intended to sell is not necessary, a vast variety of products can be offered to potential customers.
  • Easy to scale– in typical business operations, if you wish to gain excessive profit, you will need to work twice as much to earn it. On the other hand, by leveraging drop shipping suppliers, the majority of the work of handling additional orders will be borne by the suppliers allowing you to focus on increasing and expanding work with fewer hassles to handle.



  • Low margins– This is the most significant disadvantage it suffers due to the tight competition owing to very minimal overhead costs and attempt to sell items at rock bottom prices to grow revenue.
  • Inventory issues– When sourcing from multiple warehouses, it makes it increasingly inconvenient to fulfill orders of other merchants since the inventory changes on a daily basis.
  • Shipping complexities– Since dropshipping involves working with multiple suppliers; the majority of the products posted on your website will be sourced from many different drop shippers complicating shipping costs involved.
  • Supplier errors– Even the best drop shipping companies are liable for mistakes on their part when fulfilling orders for which you will have to take responsibility and apologize for the inconvenience.

Reasons to hire an insurance broker

Insurance has always been a very complicated field. Even though it benefits people in many ways, the general public has not been able to have a clear understanding about the field. It is indeed a difficult task to choose the plans that the firm is offering. We might spend hours reading the terms and conditions of the particular firm but still end up having doubts about them. The task of finding the appropriate insurance plan can be made easier by hiring an insurance broker.

There are a lot of misconceptions about insurance brokers among the public like they are very expensive, all they care about is to make the sale, and they have no interest in our well being. Many people think that a middleman is unnecessary.

But the truth is that it is better to hire an insurance broker to have a better understanding of the plan and the benefits. Their services will benefit you a lot especially when you are insuring something on a large scale like your house and expensive cars. There a lot of famous insurance brokers like AOR home insurance broker who you can trust without having second thoughts. Here are some of the reasons why it is necessary to hire an insurance broker.

Brokers are independent

There is a difference between the brokers and the agents. The insurance agents work for just one company, but brokers work for multiple companies. This actually lets the brokers have better knowledge about the field. They also have a lot of options to choose from various firms.

They are cost effective



People generally think that by hiring a broker they are paying some extra cash as brokerage. But the truth is hiring the services of a broker benefits you in the long term. If you opt to go to the insurance firms directly, you might not have a lot of options to choose from. The staffs are generally in a hurry. Even if they want to, they cannot spend more time on a single customer. These are things that you can avoid when you hire a broker.

They are an Extension of many departments


Just like a startup where a single person dons many roles, the brokers can speak for a lot of departments in the firm. They can assist you in many ways like filling the form, explaining the plans and its benefits and giving a clear picture of the terms and conditions in the best way possible. They are very supportive, can interact better and can they have an amazing ability to connect with the customers.

Better knowledge about insurance and the needs

Some might think how they are different from the agents. They too will have the same information to provide their customers. The brokers have better knowledge because they don’t work for one company. They work for multiple companies, and hence they have better exposure. The brokers have no constraints to which they have to confine themselves with. For example, the agents have certain limits that they need to follow like the customers who they need to target and the area restrictions. Brokers have none of these things. They deal with different kind of people in different sectors of various backgrounds on a daily basis.

Our client's reviews

I'm from the medical background, and I didn't really have a clue of how the market works. But coming here has increased my knowledge, and now I manage my finances like a pro!
Carl Reid
United States
You always need to keep updating your financial knowledge. After all, it's your money – one wrong step and you can end up losing it. After attending the sessions here, I'm now equipped with ample knowledge, tricks and tips on how to handle market fluctuations.
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