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Financial Literacy

Financial Planning

Make every penny count!


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.

Business Finance Training

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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.


Financial Intelligence Assessment

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Latest Post

Important Things To Consider Before Joining Affiliate Program

Affiliate marketing programs are gaining immense popularity among individuals who are in search of the best way of making money online either part time or full time. It is not a tough process all you need to do is search for the highest paying pay per click affiliate programs and follow the procedures to become a member.  It is an attractive opportunity where you earn passive income for promoting the products and services of a manufacturer as you will get a commission for the sales. But you will need to know the things to consider before joining an affiliate program so that you can make the right amount of income as you will get money from promoting the products and services of manufacturers.

The most important things to consider before joining an affiliate program include-

Selection of the right product as soon as you decide to promote the products and services of the other people, you will need to choose the products carefully as it should be in accordance with your website niche so that you will be successful.

Choosing the right affiliate program- since there are thousands of affiliate programs covering a broad spectrum of products and services, you need to look for the program that will cater to your tastes and preferences. This should be done after a lot of studies and thorough research so that you will select an affiliate program that will help you earn a good amount of online income.

Select between an in-house affiliate program or affiliate marketplace- when deciding to join the affiliate marketing program, you need to either look for an in-house affiliate marketing program or use the affiliate marketplace. The selection should be based on your research as you will need to find out the features, payment method and amount of commission that you will earn from the given affiliate program.

Opt for a good quality product- when following the affiliate marketing program, you will need to make sure that you promote a good quality product because of your customer trust and relies on you for offering the right advice and recommendations based on the links in your website. Therefore the selection of the products is the most important thing for helping you earn passive income and you will become successful as an affiliate marketer.

Continuous hard work is important for success- just by joining the affiliate marketing program, you do not start earning money but you will need to put in efforts for getting more visitors to the links placed in your websites and blogs. This is especially important for offering leads, sales, as well as brand awareness for the product manufacturer and you, will need dedication, patience, and optimism before you start earning a steady stream of income.

The reputation of the program- before joining the program, you will need to find out about the reputation of the program as it plays an important role in your success. Moreover, the program will be beneficial for you when more people are aware of the products and services as it will also simplify your task of promoting the products and services to a wide customer base.  Know your niche market- finally, it is important to know the niche market where you want to promote the products and services as it should be based on the tastes and preferences of your customers.

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.

5 Smart Ways to Invest for the Future


Future proofing your finance isn’t an easy task. What plans can serve you in the long term? Will these plans help you in the short term as well? That is why it’s necessary to find to think in the long run than in the short term so as to predict risks. It’s not just money that you should consider, but time as well to secure your company’s best interest.


Converge on what you can do best

It is essential to know your shortcomings as a person and focus instead on what you’re good at. In the 1990s, the tech industry saw a boom which led to venture capitalists investing without prior knowledge. The result? These ventures turned out to be a dud even when the industry was growing.


In the modern landscape, there are many avenues for investment. Options such as P2P lending are growing at tremendous rates, leading to companies such as Lending Club and Prosper to do well in the market. Their success came as a result of doing what they do best while focussing on what separated them from the rest.


Health saving accounts

Just like real estate, investing in your health savings will not only help you in the betterment of your health in the future but also give you the best outcome when it comes to taxes.


Expansion Financing

There are many small businesses that are in need of new equipment to deliver on the products that they sell, be it to maximise the quality or the quantity. These small businesses are also usually in need of new office spaces or a better location to facilitate growth.


This is why drawing out a loan must be seen as an investment as you cannot expand without adequate financing.


Stock Market

Many people are wary of investing in the stock market, be it for the company or the individual. But investing in stocks, in the long run, has only paid off. This is why an opportunity such as this cannot be left unnoticed. You don’t have to invest heavily, a very tiny portion of your savings would do. Do not invest all your money at once. Invest in small amounts over a span of time.


Before opting for the stock market, make sure to consult or hire a financial advisor since they’ll have a better idea about the current market and possibly single out mutual funds that are just right for you.


Real Estate

Another safe bet, as discussed previously, is real estate. You do not have to buy physical land in order to invest in real estate. A better option to invest in is real estate notes. This is, of course, a risky move, but with the right choices, you can benefit enormously.

Where to invest money in today’s world?


Investing money is not everyone’s cup of tea. However, it is one of the best ways to get some money in return. There is always less chance of losing your money in investing. You will always get some amount in return. So, what are the best places where you can invest your money in today’s world? Here are some few tips on where you can invest your money at


Stock Market

Investing in Stock Markets is an obvious point you will read, and that is because it is one of the best options. Investing in Stock Markets has historically paid off for people. However, there are still many people who think that it is too big a risk to invest in it. The primary thing that you need to realise is that you don’t have to invest all your money into it together. Instead, invest little sums of money over time. You can also get help from some investment services which help you in investing. One of the best examples of investment services is Betterment. Betterment is an online investment company based in New York. It is a registered investment advisor and a broker-dealer.


Real Estate

Real Estate might not really be the way to go. Real Estate involves more risk compared to Stock-Markets. It also consists of a lot more stress, because nobody is really cut out to be a landlord. A right way here would be investing into real estate notes. How do real estate notes work? You look for a person who is investing in real estate hugely. The person will invest in a pool of areas, and you will invest money into his project. Then, he would be the person managing the estates, and he would be paying you a dividend or interest off that money.

House with American

Invest in Yourself

The best place to invest your money without having any risks involved is yourself. You can always work on some of your hobbies or interests which could potentially earn you some money. For example reading. You can start a library, and that will get you some money, and you can read how much ever you want. This way you are doing what you like do to and also you can earn money from it. All it requires is an investment in the beginning, in the library and the books. Also, the constant investment it would need is updating the books.


These are the many ways you where you can invest money and you can keep earning too. Keep investing!

Ways to raise funds for business


Lack of funding is always the major reason for businesses failing very early. According to a recent study, almost 94% of the businesses fail due to less money or funding. Money is the base for every business. It is a competitive world out there and you need money to survive. So if you are looking to start a business, you need to consider options on how you can raise funds. Here are some things that would help.



Bootstrapping, also known as self-funding, is an effective way of financing for your startup. It would be hard for a new entrepreneur to get investors on board. It will be difficult to get people to pitch in money into your business without showing some traction and a plan for potential success. You can always use your savings or turn to your friends or family to contribute money which you can pay back later. It is also better with people you know, as then the interest rates would be flexible and those people will not be that hard on you.



Crowdfunding is one of the newer ways of raising funds for a particular business. The best thing about Crowdfunding is that, not only is it a great way to raise funds, but it also serves as a great marketing tool for your business. It is a great way to establish interest among buyers for your product. How crowdfunding works is; You put up your product or business idea on a crowdfunding platform. You describe your product, how it works, explain your business goals, how much funding you require and for what reasons. The consumers can then decide if they want to donate money for the business depending on their interests. Kickstarter is one of the famous Crowdfunding platforms in the US.


Angel Investors

Angel Investors are individuals who have a huge amount of money with them and they invest in upcoming startups that have potential to grow into a successful business. They also provide mentoring services and assist young entrepreneurs in their decisions regarding the business. They invest a particular amount of money for a certain equity or stake in a company. It depends on the valuation of the company.


Incubators and Accelerators

Other sources of funding include Incubators and Accelerators. They are more or less similar to each other although they have some fundamental differences. Incubators are governmentally funded, take no equity, provide services like management training and office spaces. Accelerators generally take equity, are not governmentally funded. Incubators focus more on the nurturing of the business, as well as the entrepreneur and guides the business in every step of the way. Accelerators on the other hand, helps the business take a giant leap, and focuses on faster ways of making money and making the business successful.

Finance Tips for College Students


Why do many kids go away from home for college? Because they want to be independent. However, many people tend to mess up their independence. Most people, especially students can mess up and lose all of their money by being reckless with it. So, here are some things you can do to get through college without losing any money and racking up unpayable debt.


Make and stick to a budget

Make a budget. Make sure you stick to it too. Having an adequate plan to spend your money is very important because most people tend to lose money when they are not careful enough. So you have to be careful not to get reckless and lose all the money that you have.


Save every once in a while

You should learn to save the money you have. Not up to a point where you are going to starve yourself because you want to save You can spend for basic necessities but don’t spend on unecessary things like ice cream 3 times a day, or chocolates early in the morning. You will be independent and you will have money on you as well. That does not mean that you spend it without any regard of the future.


Take advantage of student concessions

One of the major perks of being a student, in terms of expenditure is that you get concessions for almost everything that you buy. It is a selling technique of companies where they attract students with these options. Since, students are always large in number, they will get more number and the money they make.


Try not to borrow

Always try not to borrow money. Even if you have to, make sure that you take only a little amount. When you borrow, the money that you keep with yourself and the amount that you have to pay keeps on increasing with the interest rates. So, you need to keep mind that whenever you are borrowing you should pay it back as soon as possible. Racking up debts is not a pretty scene and it is definitely not an enjoyable situation to be in.


Stay safe from fraud

Many people tend to exploit students because they don’t know much about anything. You should be aware of things like this. There have been many cases where students have fallen prey for frauds like this. Also, if you live in a place where you are sharing your living space with someone else make sure that other people don’t have access to your room, your money, your cards, etc.


These are some of the things you need to keep in mind when you are in college. However, these are not only applicable when you are in college, but are also applicable all your life.


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