สาวๆ มาอ่านการ์ตูนฟรีกันจ้า

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PLAN FOR BUSINESS LOANS
Doing business that is successful can be In addition to the skill of the management and the team Must also include funds to expand business or develop products to meet the needs of the market with intense competition That source of funds Comes from profits and from financial institutions that give loans to businesses.

Asking for a business loan is not difficult. If there is preparation and know the rules of the request The important step in applying for a loan is to write a business loan plan. If writing is clear, it will affect the consideration of financial institutions. Therefore, good map writing must consist of

1. letter requesting a loan request from a financial institution wishing to apply for a loan

2. Executive information By using data from marketing, production management, and finance to enable financial institutions to see the company's objectives and goals. As well as a plan to achieve the goal Must be placed as a final order in a nutshell With concise content With all important points Don't write too broad or too little.

3. History of the business divided into

3.1 The history of the business is a story about the beginning of a business. And future business goals

3.2 Office locations Or the factory location Including the contact number of the office

3.3 Details of shareholders and executives / Executives' experience Including the expertise of the executives

3.4 Chart of the company structure

3.5 Past performance

4. Purpose of the loan request

4.1 Credit limit requested By separating into types of loans such as working capital loans (O / D)

4.2 Objectives in applying for credit, such as expanding business, expanding factories or increasing financial liquidity, etc.

4.3 Conditions for payment And interest rate

4.4 Collateral presented Collateral value

5. Nature and business structure

5.1 Products and services of the company

5.2 Marketing. Sales sources of main products. Including branches that sell products, etc.

5.3 Target group that wants to expand more

Existing customer groups and channels to increase customer groups
The size of the market needs
Distribution source of the product that reaches the target group
Marketing plans and strategies
5.4 Analysis of market conditions

5.5 Competitors in the same product or service

6. Business financial information: To illustrate the financial source And financial movements of businesses divided into

6.1 Balance sheets - Profit and loss statements (last 3 years)

6.2 Project Financial Projections

6.3 Project financing plan

6.4 Cash flows

6.5 Payback period plan

6.6 Breakeven point plan

6.7 Net present value plan

6.8 Investment return rate plan

7. Various accounting data: Providing accounting data for consideration by financial institutions In order to show sincerity and open the information without financial cloaking

7.1. Financial transactions for the past six months

7.2 Details of existing credit facilities

8. Marketing plan and competitor analysis

8.1 Information of customers who order products or services

The data of 5 major customers, sorted by the largest number of orders
Plans to increase sales from customers
Customer target group plan
8.2 Competitor analysis By analyzing from 3 major competitors as follows

Moments in the market
Market share
Price / plan
Strengths - weaknesses Compare with competitors
8.3 Segmentation of market and target customers

The aforementioned details are an important component in writing a loan request plan. Each financial institution may request additional details than those mentioned in the loan application. Therefore, the applicant should prepare the details.

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Mortgage misfits
Tough restrictions on borrower affordability mean growing numbers of people are finding it hard to get a mortgage, says Patrick Collinson in The Guardian. Here are some ways to bag a deal if you're a misfit:

You are over 40. Most lenders will only grant a mortgage to your planned retirement date – meaning a steep repayment curve for the average 37-year-old first-time buyer. It's worth shopping around. Bath Building Society, for instance, doesn't have a maximum age, "but will be looking for proof of continued income". National Counties will consider applicants up to the age of 89.

You are newly self-employed. Unless you have two or three years of properly audited accounts, "you'll be turned down by nearly everyone". A handful of borrowers, including Halifax, Precise and Kensington, are willing to consider borrowers with just one year's accounts. But you'll need a deposit of at least 20% and you'll pay higher rates.

You rely on bonuses. Lenders have made life much tougher if commission or bonuses make up a large part of your pay. Much depends on how often you receive payments. If bonuses are paid weekly, monthly or quarterly, lenders may be sympathetic. But just 50% of a bonus paid annually will count for mortgage purposes.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

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7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
1. WHAT IT COVERS
Most home insurance policies will pay for damage to your home & possessions in the events of storms, fire, theft, or vandalism. Home insurance also provides liability insureance if someone gets hurt on your property and decides to file a lawsuit. Home insurance can also cover the costs of a hotel if you are temporarity displaced from your house.

2. WHAT IT DOESN'T COVER
Standard policcies have exclusion, including; earthquakes, power failure, war, nuclear hazard, government action, faulty zoning, bad repair or workmanship, and defective maintenance. Flooding and water damage are usually only covered in certain conditions

3. YOU SHOULD SHOP AROUND
Take the time to research your prospective insurance agencies before you commit to a policy. Read reviews and consider recommendations from friends and family. Finding a cheap rate is great - but remember that in the case of an emergency you will need to be dealing with the insurance company directly. Having an insurance company with great customer service can really help alleviate some of the stress in an already stressful situation with your home.

4. HOW TO LOWER YOUR RATES
Did you know that having things like a working smoke detector and burglar alarms can lower your rates Preventative actions can reduce premiums. Insurance agents typically price your premium based on how much risk they foresee. So, by reducing your liability risks, you can qualify for lower rates.
You may also save some money by bundling your other insurance policies, like car or life insurance, with your home owners.

5. DON'T WAIT TO FILE A CLAIM
Make sure you report any possible claims as soon as possible. Many insurance companies have a time limit for reporting claims. If you wait too long, you may not be eligible for benefits, especially if waiting has caused the problem to worsen. This is especially true in instances of water damage - where mold can set it quickly and raise the costs of repair.

6. KEEP A RECORD
It is important to document everything that occurs during a loss. Write down the damages, and what you have done to help mitigate the damages.
In addition to saving receipts, contracts, and appraisals, document phone calls by writing down who you spoke to and when. Insurance claims can be cumbersome and confusing. Don't depend on your memory alone to remember all the details.

7. HOW JEWELRY IS COVERED
Jewelry is usually covered in a homeowner's policy - but beware - it is typically only covered to a certain amount. When you sign up for homeowner's insurance, be sure to ask your agent about the limits. If you own jewelry which has a value that exceeds the standard policy, you may want to consider buying supplemental insurance so that incase it is lost or stolen- you are covered 100%.

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8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE

1) Wake Up Early
The Rock is famous for waking up around 5 am to get two workout before 8 am and then go on with the rest of his day, but CEOs and successful entrepreneurs do this too, take a look at Richard Branson...!

2) Read More
Successful entrepreneurs need to know about a lot of topics they probably didn't learn at school, but regardless of your profession or what exactly you're trying to accomplish books are a great way to learn about topics you don't know about.

3) Invest in Yourself Successful entrepreneurs spend all their day working on their business but most them also spend a lot of time working of themselves be it reading, taking classes, seeking mentors, meditating or anything that can help them achieve their goals.

4) Meditate
Meditation has become really popular among CEOs and Managers. This is no surprise for anyone who has followed a consistent meditation practice, after all, you can start seeing benefits like reduced stress and anxiety, better sleep among many others with only 10 minutes of meditation per day.

5) Start Investing
According to The Millionaire Next Door the average millionaire in the United States directs 20% of his income towards investments, you don't need to invest 20% of your salary but the sooner you starts the more money you'll have in a couple of years.

6) Workout
ilf you want to have mental clarity and energy throughout the day you need to be exercising, you don't need to go overboard with it, just jog 30 minutes a day or jump some rope or basically any activity that elevates your heart rate will get the job done.

7) Start Keeping Track
Peter Drucker, author of The Effective Executive that says "what gets measured gets managed" and what he means by this, is that if you're not tracking your progress you're not going improve.

8) Engage in Deep Work
In modern times we have a lot of progress on technology, business medicine and everywhere else but we have lost a very valuable skill that our ancestors did have. And that is the ability to concentrate for long periods of time.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT

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10 WAYS TO DERAIL AN AI PROGRAM
Despite big investments, many organizations get disappointing results from their AI and analytics efforts. What makes programs go off track? Companies set themselves up to fail when:
1. They lack a clear understanding of advanced analytics, staffing up with data scientists, engineers, and other key players without realizing how advanced and traditional analytics differ.
2. They don't assess feasibility, business value, and time horizons, and launch pilots without thinking through how to balance short-term wins in the first year with longer-term payoffs.
3. They have no strategy beyond a few use cases, tackling AI in an ad hoc way without considering the bigpicture opportunities and threats AI presents in their industry.
4. They don't clearly define key roles, because they don't understand the tapestry of skill sets and tasks that a strong AI program requires.
5. They lack "translators," or experts who can bridge the business and analytics realms by identifying high-value use cases, communicating business needs to tech experts, and  generating buy-in with business users.
6. They isolate analytics from the business, rigidly centralizing it or locking it in poorly coordinated silos, rather than organizing it in ways that allow analytics and business experts to work closely together.
7. They squander time and money on enterprisewide data cleaning instead of aligning data consolidation and cleanup with their most valuable use cases.
8. They fully build out analytics platforms before identifying business cases, setting up architectures like data lakes without knowing what they'll be needed for and often integrating platforms with legacy systems unnecessarily.
9. They neglect to quantify analytics' bottomline impact, lacking a performance management framework with clear metrics for tracking each initiative.
10. They fail to focus on ethical, social, and regulatory implications, leaving themselves vulnerable to potential missteps when it comes to data acquisition and use, algorithmic bias, and other risks, and exposing themselves to social and legal consequences.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME

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10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS
What's the interest rate?
Right off the bat, you should ask your lender for a direct interest rate quote as well as the corresponding annual percentage rate (APR) for the loan. Since the APR accounts for fees and other loan-related charges, it gives you an apples-to-apples comparison among lenders. Don't be afraid to shop around until you find one you're comfortable with.

How many points does that include?
A point is a fee paid to the lender at closing in exchange for a reduced interest rate. (1 point = 1% of your total mortgage amount.) Be sure to ask your lender how many points are included in the quoted interest rate and what the benefits might be to buying more or fewer points.

How much money do I need to put down?
To get the best rate and terms for your loan, it's usually best to put down at least 20% if possible, although a lower down payment doesn't necessarily disqualify you. There is a chance that a monthly PMI (private mortgage insurance) payment will be added if your down payment is lower than 20%. Your down payment will affect other variables as well, such as your rate, terms and monthly payments. Ask your lender for more information on the minimum down payment required for your loan, and decide what's right for you.

When can I lock down the interest rate?
Interest rates always fluctuate. Sometimes locking in a low rate can really pay off. Ask your lender when you can lock down a particular rate, and for how long. Keep in mind, lenders will usually offer lower interest rates for shorter-term locks and higher interest rates for longer-term locks.

What are my estimated closing costs?
Remember to factor in the various costs and fees associated with buying a home. Particularly closing costs. Closing costs include loan-origination fees, appraisal fees and attorney fees (if any), to name a few. Ask your lender to estimate what your closing costs might be so you can budget accordingly.

Are there any other costs or fees I should know about?
Be sure to ask your lender for a detailed list of all the costs and fees you might encounter during the homebuying process. The more information you can collect up front, the more prepared you'll be should you run into any unexpected expenses along the way.

What's the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage keeps the same interest rate for the life of the loan, typically 15- or 30-year terms. This keeps your monthly payment for principal and interest steady and predictable over time. Adjustable-rate mortgages, or ARMs, have interest rates that change based on the market, so your payment will go up and down. Most ARMs are based on a 30-year term and typically start with an initial fixed interest rate for a specific period of time, usually 5.7 or 10 years.

Are there any special requirements I should be aware of?
There are all sorts of qualification guidelines for homebuyers applying for a mortgage. Typical requirements relate to income level compared to debt, employment status and credit history. But, if you're a military veteran or first-time homebuyer, you may also be eligible for special government-sponsored mortgage programs. Talk to your lender to see what you might qualify for.

Can you estimate when the closing will be?
A lot of factors help determine when your exact closing date will be many of which are completely out of your control. Ask your lender for a ballpark estimate of when you might expect to close. That way you'll at least have a rough idea of the timetable you're working with

Is there anything that could cause a delay?
The best way to avoid delays in your closing is to stay in touch with your lender and always provide the most up-to-date and accurate documentation in a timely fashion.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS
HOW MUCH IS MY CAR ACCIDENT SETTLEMENT WORTH

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FACTORS AFFECTING HOME LOAN RATES
Getting a home or mortgage loan is a very popular thing today. As many financial institutions organize campaigns to attract customers to easily have a home with low interest rates and special conditions for each financial institution. Which factors affecting the interest rate of the housing May be different With the main variable from uncontrollable economic conditions or factors affecting home loan rates.

MRR is the interest rate that financial institutions Used for judgment In service charge For credit fees and other services Of that financial institution This interest rate is the interest rate calculated from the cost. In the administration of financial institutions In general Interest rates of financial institutions will not differ much.

Personal credit of the loan applicant
A credit or personal credit profile is important because it is a measure of the qualifications of a loan applicant, including the amount and interest rate that financial institutions are ready to lend.

Different conditions in home loans
Home loan interest rates may vary according to the conditions of the loan.

Home loan financing: The higher the loan amount, the more negotiating power and the lower the interest rate of the loan as well.
Home Loan Periods: Loans with shorter durations will cost more than long term loans (such as higher interest rates). It may seem like a good plan to extend the time in Credit terms of the loan applicant And should also pay attention to the fact that generally the amount of interest paid is less than In conditions which have a short period of time
Home loan insurance: Almost every financial institution has a proposal to reduce interest in the event that the loan applicant agrees to take out home loan insurance along with the loan application of These insurance policies (such as mortgage insurance) are useful in helping to pay off outstanding loans when a death or permanent disability occurs.

The location of your home
Mortgage interest rates may vary according to the location of the real estate. Since some locations may pose a risk to financial institutions Areas that are currently undergoing development and appraisal of Increased real estate will have less risk to financial institutions Because when the real estate price increases Loan applicants that live in these locations will be considered "richer" and the chances of not repaying the debt are also lower.

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Get Your Insurer to Pay Up
Follow these steps to minimize hassles and get all the money you deserve. BY KIMBERLY LANKFORD

MANUEL PULIDO RETURNED TO HIS townhouse in Chicago's Gold Coast neighborhood one evening last December to find water spewing from the chandelier in his dining room. A pipe had burst in the second-floor bathroom, and the explosion of water quickly made its way into the master bedroom and leaked through to the dining room on the floor below. The ceilings, floors, walls, carpets, furniture (including some antiques) and light fixtures were drenched. Pulido turned off the water and electricity and called his agent, who contacted Chubb, his insurance company. A water-remediation service arrived within 1½ hours to start drying out the damaged areas. The service spent five days in his house with giant fans and wet/dry vacuums to prevent further damage.

When Pulido and his wife, Rena, were shopping for insurance several years ago, they met with independent agent Rebecca Korach Woan, who gave them price quotes and discussed the pros and cons of several companies. They chose to pay extra for the Chubb policy because the company had a reputation for handling claims efficiently and taking care in repairing or replacing special items, such as antiques and artwork. The company had sent an appraiser to the house to itemize valuable property and take pictures of the items in every room. When the pipe burst, Chubb's claims rep was able to access those "before" pictures.

An adjuster came to see the damage and returned a few times with experts to check on special items, such as an antique table. By February, the Pulidos had received more than $200,000 from Chubb to cover the damage to their home and possessions. "I made one phone call and everyone followed up with me," Pulido says. Most insurance claims take more phone calls—sometimes many more. If you have a homeowners or an auto claim, here's what you need to know to avoid hassles and get a fair payment from your insurance company.

HOMEOWNERS INSURANCE
Andrea Johnson went for years without filing a homeowners insurance claim. Then on the afternoon of May 20, 2013, the sky went dark and a tornado with 200-mile-per-hour winds ripped through her town of Moore, Okla. The tornado wiped out so many houses that she had a hard time finding her street when she returned. "The neighborhood behind ours was totally destroyed and was just debris," she says. Only a few houses on her block were still standing. One side of her house was completely gone, "and my neighbor's house was in my house."

Act fast. When you file a claim that involves damage to your home, an adjuster usually comes within 24 to 48 hours, but it can take longer after a catastrophic event. Johnson contacted her State Farm agent after the tornado, and she met with the adjuster three days  later to determine the extent of the damage. Johnson also contacted a builder who came to the site with an engineer and sent the insurer a report explaining why the house was unfixable. "The insurer finally decided it was a total loss," she says.

Your insurer or agent may be able to help you find contractors, waterremediation services and other experts to help make the repairs, or you can use your own contractors. It can help to have your contractor at your house  when you meet with the adjuster. "They can walk through together, and we can assure they're both seeing the damage from the same perspective," says Patrick Gee, senior vice president for auto and property claims at Travelers. The insurer may adjust the payout if the contractor finds more problems after starting the work.

Take inventory. Filing the claim for the contents of Johnson's home ended up being complicated. By the time the adjuster arrived, she had little evidence of her missing possessions; many items had been scattered by the tornado, and some had been tossed by well-meaning volunteers who came to Moore to help homeowners remove debris. "They asked for page after page of information to tell them about everything—how many pairs of shoes, how long you had them, how much they cost. Who remembers that?" she says. Johnson wishes she had kept a home inventory or had taken pictures before the items were removed.

Keeping an updated inventory isn't the tedious hassle that it used to be. Many insurers have home inventory apps you can use, or you can go to. "Take pictures of your rooms, closets, attic and your backyard," says John Doak, Oklahoma's insurance commissioner. Open drawers and cupboards so that the photos show all your possessions. Keep the photos and copies of receipts for valuable items outside of your home, with your insurance agent or online. If possible, have your insurance agent visit your home, take pictures and let you know if you've reached your policy limits, says Doak. Know what's covered.

Most homeowners policies pay for additional living expenses—including rent, food and other costs—for up to a year while you're unable to live in your home. Keep the receipts for reimbursement; some insurers provide debit cards for these expenses. State Farm paid Johnson's rent for a small apartment while she waited for her claim to be settled. In a disaster area, you may be out of your house a long time because of a shortage of contractors. "You could potentially be paid more for the additional living expenses than for the home if you're out of your home for a year or more," says Doak. Johnson decided to take the insurance money and move to Oklahoma City rather than rebuild her house.

Periodically review your policy or ask your agent what is and isn't covered and how to fill the gaps. Flooding isn't covered by homeowners insurance, but you can get a policy from the National Flood Insurance Program; your home-insurance agent may sell those policies. Sewage and drain backups usually aren't covered automatically, but it may cost just $50 to add about $10,000 in coverage, says Rene Hernandez, an independent agent in Oklahoma City. Most policies cover only about $5,000 worth of jewelry, but you can add a rider to provide coverage at the items' appraised value.

How to fight back. If your insurer drags its feet or you don't think you're getting adequate reimbursement, you can get help from your state insurance department. "If there's an impasse, the insurance department can step in and speed things up," says Doak, whose office fielded about 30,000 calls to help policyholders last year. The Oklahoma Insurance Department, like departments in many states, sets up a mobile office to answer consumers' questions about their coverage and rights after a major disaster. It also offers a mediation program to help resolve disputes between homeowners and their insurance companies, an option that several state insurance  departments offer.

AUTO INSURANCE
The steps you take immediately after a car accident can make a huge difference in how quickly and smoothly the claims process goes. Gather evidence. You're likely to have a smartphone camera with you when you drive; if not, keep a camera in the glove compartment. If you're in an accident, start taking pictures as soon as it's safe—of your car, the other car, the intersection, and the other driver's license and insurance card. You may even want to take a photo of the other driver. Also keep a notebook and pen by the driver's seat so you can jot down a license plate number quickly, says Sharon Jansma, who owns a Farmers Insurance agency in Visalia, Calif.

If there are witnesses, get their contact information. Having a police report can help, especially if there's a question of who's at fault. "Don't tell anyone the accident was your fault, even if you think it was," says Kip Diggs, a State Farm spokesman. "Don't sign any document unless it's for the police or your insurance agent." Some insurers, including State Farm and Travelers, have mobile apps that make it easy to submit photos and walk you through the next steps. Or you can call your insurance company or agent.

Find the right shop. You can usually use any body shop, but most insurers have preferred shops that work directly with the adjusters and guarantee their work. This can speed up the claims process, but it can help to have a second opinion. "I always tell my insureds to get a few estimates to make sure there's consistency," says Hernandez. If you have rental-car coverage, your insurer will pay for at least a portion of the cost of a rental car while yours is in the shop.

If the car is a total loss, the insurer will generally pay the car's "actual cash value" (the market value for a car of its age and condition). Ask how the insurer came up with the number. Farmers compares the cost of cars selling in the area that are the same make and model, with similar mileage and upkeep, then adjusts the figure for your specific details. "I like to see a sample size of five to 10 cars selling in your area," says Jansma. If you think the number is too low, gather your own list of similar cars for sale locally. The insurer will either send you a check for that value (minus your deductible) or pay the financing company and send you any additional money, if you have a loan.

Claims can get complicated—and take longer—when another car is involved. It usually takes 60 days or less, says Jana Schellin Foster, who owns an independent insurance agency in Carson City, Nev. "Anything beyond that, somebody is dropping the ball." In that case, Foster will generally have a conference call with the agent, the insurer and the customer. "That way there is no miscommunication," she says. The final payment can be delayed while the two insurers decide who is at fault. A typical scenario: Your insurer pays the claim while you pay your deductible, even if there's a good chance you weren't at fault. Your deductible could be returned to you months later, after the insurance companies determine who is to blame. That process, called subrogation, can take anywhere from 10 days to a year, says Jansma.

How to fight back. If the insurer seems to be lowballing the repair costs, ask your body shop to provide a detailed estimate of what needs to be fixed. If that doesn't help, find out if you have an "appraisal clause" in the policy, under which a third party reviews your body shop's appraisal and the insurer's and settles on a number. Your agent may be able to help with stalled claims. "You may have one claim in a lifetime, but we do this every day," says Sarah Brown, of Keller-Brown Insurance Services, in Shrewsbury, Pa. As an independent agent, she often has contacts at the other driver's insurance company as well as at her client's and can find out what's causing the delay. The state insurance department can also explain your rights and get the insurance companies moving.

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE

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low interest personal loans	credit union loans	help to buy equity loan
best mortgage rates 5 year fixed	lowest home loan rates	personal loan eligibility	short term loans online
loans for those with bad credit	personal loan interest	quick easy loans	direct payday lenders
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[อินดี้]

How to protect your credit cards
"Ever wonder how your credit card could have been used to buy cellphones in Cleveland when you just swiped it at your grocery store an hour ago?" asked Christine DiGangi in Credit.com. It actually isn't difficult for thieves to "manufacture fake cards" with stolen data and go on spending binges. And though it's possible that your data might be stolen by an "ATM that has been tampered with" or a dishonest restaurant server, it's far more likely your card will be compromised "in one of those massive data breaches you've been reading about recently." You can't prevent all theft, but you'll be more protected by using only secure payment websites, never storing payment information in your Web browser, and checking your account activity daily.

Avoid common investment errors
There are some mistakes that I see investors make again and again, said John Schmoll in DailyFinance.com. "Not taking an active interest in investing" is a major one. "I have seen investors lose tens of thousands of dollars" because they didn't check on their accounts every few months. Make sure you schedule regular times throughout the year to rebalance your investments and keep an eye on fees, which can "add up to a significant drain on your portfolio." As always, keep your portfolio balanced to avoid risk. And in your attempts to diversify, try to avoid becoming "highly concentrated" in the relatively small number of popular stocks that form the core of many mutual funds. Finally, be rational about your money. Investors who lead with their emotions can lose big money by following the herd or reacting hastily to each upswing and downturn.

Catching counterfeit goods online
If an online deal seems too good to be true, said Kristin Wong in Lifehacker.com, it probably is. "To avoid being scammed" by counterfeit goods, be especially cautious about buying handbags, wallets, watches, jewelry, electronics parts, and pharmaceuticals—they are some of the most commonly faked goods in the U.S. And be sure to vet sellers before you hand over any cash. Look for physical mailing addresses, phone numbers, and return policies before you click Buy, and check out a seller's reviews before purchasing anything. And "when it comes to pharmaceuticals, it helps to confirm a seller's affiliation with a manufacturer" so you don't end up with fakes.

Signs you should keep renting
Trying to decide whether to rent or buy? asked AJ Smith in Credit.com. While the  homeownership decision is "ultimately personal," there are a few things to consider before taking the plunge. "If you don't have an emergency fund yet, or if purch asing a home would drain all of your savings, you probably aren't ready." Besides a down payment and a mortgage, "homeownership comes with expenses" like repairs and improvements, so basic safeguards, like job security, are key. "If you are unsure whether you will have your job for the next few years, you may want to wait." And before you rush into buying, do your research and "learn what you can about the local housing market, including the price trends, the school district, and the property taxes."

Be smart with rebates
Don't blow your tax refund, said Gene Kosowan in DigitalJournal.com. If you're getting money back from Uncle Sam this year, be sure to "get the biggest bang out of those bucks." The best thing to do is sock the money away in a retirement account. But if you are going to spend it, why not pay down your debt? Some experts suggest attacking high-interest debts first, but others advise taking "the path of least resistance" by prioritizing lower-rate obligations. You should also consider using part of your return to set up an emergency fund. For homeowners investing in your property is a smart move. You'll improve your current space and get "a higher resale price on the home once you decide to relocate."

Vetting alternative funds
If your financial adviser is suggesting "alternative" mutual funds, start asking questions, said Linda Stern in Reuters.com. As "a catch-all category," alternative funds can be slippery, and can refer to everything from "real estate partnerships to mutual funds that mimic hedge funds." If your planner recommends one, it's important to get a few things straight before buying in. First, ask why. Is investing in alternatives meant to "calm your portfolio during bad times or to add extra income?" Then ask how, as in "How will the fund accomplish its stated goal?" Next, "find out who the manager is and what she or he did before." Were they a hedge fund manager? How did they do in 2008 and 2009? And lastly, check the cost. Alternative funds can be pricey, and since some advisers earn commissions for selling certain products, it's "worth asking how much more you'll get for your money."

How much life insurance is enough?
Plenty of people struggle with deciding how much life insurance to buy, said Leslie Scism in WSJ.com. Unfortunately, that means many are "underinsured or have no insurance at all." As a rule of thumb, you should aim to buy "eight to 10 times the breadwinner's annual income." And don't rely solely on a life insurance policy provided through an employer. "Most private-sector workers' employer-sponsored policies pay just a year's worth of paychecks," according to a 2013 Labor Department survey. If that's not enough coverage—and it probably isn't—you can shop around for a basic term-life insurance plan at sites like Term4Sale. A healthy, nonsmoking 40-year-old man can get a $1 million policy for as little as $600 a year.

Be careful combining finances
It's important to be aware of the potential money pitfalls of walking down the aisle, said Christine DiGangi in Credit.com. Combining finances after getting married might mean combining debt, which "may limit your financial future together," especially when it comes to buying big-ticket items like a house or a car. Taxes can be tricky, too, and new couples should check out marriage penalty calculators online to determine whether they'll be better off filing jointly or separately. Lastly, there's property. Know your local law, given that nine so-called community property states say any property acquired during the marriage is owned jointly by the spouses. For couples trying to keep things separate, it's critical to know the rules before tying the knot.

How to qualify for in-state tuition
Figuring out how to pay in-state college tuition for an out-of-state student "is the ultimate money hack," said Ron Lieber in The New York Times. At desirable state universities in Michigan and Colorado, the difference between in-state and out-of-state tuition now approaches $100,000 per undergraduate degree. And with more stringent residency requirements being established to prevent people from gaming the system, it can be difficult for students to claim a new state as their home. Generally, "it takes a year and requires a child to become financially independent to varying degrees." A new startup called In-State Angels is aiming to help students navigate the process, which varies widely by state. The company's assistance is legal but costly: "Once the company succeeds, it asks for roughly 10 to 15 percent of the ultimate savings as a fee."

Tax refunds could be delayed
If you're expecting a tax refund next year, you may have to wait, said Laura Saunders in The Wall Street Journal. Internal Revenue Service Commissioner John Koskinen suggested last week that next year's tax season could be the most complicated ever for the IRS, thanks to dozens of expired tax provisions that Congress has yet to act upon. In years past, "late action by Congress on such provisions created problems" and sometimes delays. Among the expired provisions are "a deduction for state and local sales taxes; a tax exemption for the forgiveness of mortgage debt; a tuition deduction; [and] an enhanced break for transit commuters." New laws that took effect this year, including the Affordable Care Act, are also expected to make the IRS's job harder. Congress is not expected to address the expired provisions until after the midterms.

Mortgage rates keep falling
Now may be the time to refinance your mortgage, said Marcy Gordon in the Associated Press. Mortgage rates have fallen for five straight weeks, with the nationwide average for a 30-year mortgage falling to 3.92 percent, the lowest level since June 2013. The average rate for a 15-year mortgage fell to just 3.08 percent. Many lenders and borrowers had assumed that mortgage rates "would soon start rising closer to a two-decade average of 6 percent," but volatility in the markets has compelled investors to move into bonds for safety. That has pushed up prices of U.S. Treasuries and suppressed their yields, which likewise keeps mortgage rates low. Consumers who refinance won't save much on the extra fees, known as points, that they have to pay to lock in the lower rate. Average fees for 30- and 15-year mortgages have stayed flat at 0.5 point.

Therapy goes high tech
A new startup its taking talk therapy to the Web, said Ann Carrns in The New York Times. Instead of "buying a self-help book and paying $100 or more for an hour of inperson therapy," a slew of new sites and mobile apps is offering "online therapy" to help clients get help. One new service, Lantern, charges users $49 a month or $300 a year to connect clients with licensed therapists, "initially by telephone and then via secure electronic messaging." For now, Lantern is aimed at helping subscribers with anxiety, but "programs for other concerns like sleeping and relationship problems are expected to be added later."

A strategy for shorter hours
There's no need to pull all-nighters, said Sue Shellenbarger in The \¥Iall Street journal. If you're good at your job, don't think you have to burn the midnight oil until your boss leaves the office. Instead, learn "to go home withour looking like a slacker." Good bosses want to be sure "their subordinates are meeting deadlines, that they can be reached when needed, and that they aren't creating extra work for colleagues." That doesn't have to mean working late. You may want to sit down with your boss to clarify that, bur come with specific examples of your great performance. It may not work: Some corporate cultures insist on long hours. Either way, "such conversations can open a dialogu~r expose a brick wall." If it's the laner, you might want to start sending out resumes.

How to avoid a tax audit
"Do you ever wonder how the IRS chooses which taxpayers it wants to audit?" asked Daryl Paranada in Fool.com. While individual tax audits are rare, mistakes on your tax return-such as putting down the wrong Social Security Number or fudging >- your math-are one way to "give the IRS ~ pause." Another is incomplete or missing information. If you're itemizing your deductions, don't "overstate your deductions or lie abour them. The IRS is well aware of what is outside the norm for people at your income level." And "if you do pull a fast one on the IRS, think twice before you bragabom it." The agency offers whisdeblowers a reward of up to 30 percent of the money it collects from tax evaders.

Tracking your FICO score
Learning your credit score just got easier, said Ann Carrns in The New York Times. Several credit-card issuers are now "providing cerrain types of free FICO credit scores to cardholders, both as an enticement to get you to open an account and as a way to educate you about what goes into your credit scorc." Discover, First Bankcard, and Barclaycard are among the first card issuers to provide free, regular credit scores to customers, bur "details of the card programs and the scores they offer vary." While these lenders all use FICO's commercial formula, they "may use slightly different data" to arrive at their scores. Nonetheless, "the free scorcs from the credit-card companies are likely to reflect the general trend of your credit profile," giving you a good idea of where you stand.

Saving on back-to-school purchases
Back-to-school shopping isn't the "frenzied one-day spending spree" it used to be, said Kaitlyn Krasselt in USA Today. Families are expected to spend an average of $670 on school supplies, clothes, and electronics this year, but more parents "are shopping strategically online and picking up additional in-store items when necessary," spreading out their purchases over time. For the essentials, experts say the best way to save is to avoid brick-and-mortar stores altogether and wait for Labor Day sales. In the meantime, late July and early August can be a great time to cash in on deals for classroom supplies, while big-ticket items like laptops are likely to go on sale in August, "when 62 percent of all 2013 laptop deals occurred."

The risks of medical credit cards
Don't let plastic you can use at the doctor's office put your finances in critical condition, said Crissinda Ponder in Bankrate.com. For uninsured Americans with steep medical bills, medical credit cards may appear to be an attractive financing option for their health expenses. The cards, which can be used only for medical costs, are similar to ordinary credit cards, with minimum monthly payments, reporting to credit bureaus, and attractive signup  offers. But experts say the cards should only be used as a "last resort," because "the interest rate can be shockingly high." Consumers should instead try to negotiate with their health-care provider to reduce their medical bills or seek financial assistance at a nonprofit hospital. If those avenues fail, it's probably best to rely on regular plastic.

Don't go broke on a gluten-free diet
A gluten-free diet doesn't have to break the bank, said Gerri Detweiler in Credit.com. Though eliminating cheap wheat-based staples like bread and pasta can drive up your grocery bill, there are simple strategies to make a gluten-free lifestyle more affordable. First, "stop wasting food." The average household already wastes about $2,300 in food each year. To reduce waste, buy salad greens on the stem, not pre-chopped, and store them in plastic bags with as little air as possible. Next, avoid gluten-free branded snacks, which are not necessarily healthy and are often overpriced. Finally, "make the freezer your friend." Frozen vegetables can cost half the price of fresh ones, and buying meats when they're on sale, and freezing them for later, can save you big bucks.

Saying no to LinkedIn requests
Don't say yes to every LinkedIn request, said Quentin Fottrell in MarketWatch.com. While "Facebook may have stretched the definition of 'friend' to include even your second cousin's chiropractor," be more selective when it comes to professional networking sites like LinkedIn. The site itself suggests "that connections should be limited to people one has actual connections to," and experts say "other users of the site may judge you by the number and quality of your connections" because they "are seen as an endorsement and reflect on your professional reputation." That means you should check out "would-be connections" to make sure their digital trail won't reflect poorly on you. Avoid connecting with rival companies, and beware of LinkedIn spammers who collect connections to mine your data.

Get a handle on money anxiety
To tame financial stress, take a few sensible steps, said Sharon Epperson in CNBC.com. The levels of household debt many Americans carry, ranging from college loans to credit card debt to large mortgages, can lead to constant financial anxiety. But there are three guiding principles that can help reduce your money worries. First and foremost, "don't spend money that you don't have." It's the only way to keep even more debt from piling up. When you do decide to splurge, "buy experiences, not things." Studies say spending money on vacations or restaurant dinners can often be more satisfying than material things, whose appeal quickly dwindles. Finally, do your best to sock away something each month, ideally 10 percent of whatever you earn. "Sticking to this principle early can make a great impact in overcoming financial stress."

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

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[อินดี้]

HOW MUCH IS MY CAR ACCIDENT SETTLEMENT WORTH
One of the most common questions that personal Injury lawyers get asked is how much someone's car accident settlement is worth. This infographic breaks down the various factors involved In car accident injury case valuations.

EVERY CAR ACCIDENT CASE IS DIFFERENT
No two injuries are the same. Similarly, no two car accidents are the same. There are tiny variables and differences in how these events can affect one's life. All of these things factor into the value of your case. That is why both your lawyer and the insurance company will treat each case on its own.

HOW WOULD INJURY REACT TO YOUR INJURIES?
Generally, if you have injuries that seem serious, your case will be more valuable. That's because juries are affected by serious looking injuries. Both your car accident lawyer and the insurance company will be taking the potential jury reaction into account because they would actually determine the outcome of your case if negotiations break down.

HOW DOES AN INJURY LOOK MORE SERIOUS?
- Is the injury visible?
- Does it look serious?
- Did it require any invasive surgical procedures?
- Did you not respond well to initial treatment and did it take months or longer to improve?
- Were you left you with permanent pain, disability or limitation?

HOW DOES THE INJURY AFFECT YOUR LIFE?
Calculating the cost of an injury is based in part on how much your life was affected, including:
- Does the injury Interfere with your normal day to day life?
- Will you continue to have pain in the future?
- Is your ability to work affected?
- Do you have emotional anguish from your injury?

GET CHECKED OUT BY A DOCTOR ASAP!
Getting checked out by a medical professional serves more than one purpose.
- Get yourself on the road to better health. This is by far the most important thing after an
accident.
- Start building evidence for your case. This will help drive up the value of your claim and give the insurance companies a doctor's examination that they must at least recognize.

INSURANCE COMPANIES TEND TO UNDERVALUE CASES
Your car accident lawyer and the insurance company calculate the value of your case in differing ways. Insurance companies tend to arrive at a lower number than your lawyer. This is a key reason why having an experienced lawyer will aid your case.

HOW DO INSURANCE COMPANIES DETERMINE THE VALUE OF THE CASE?
In most cases, insurance companies use an algorithm to calculate the value of a car accident settlement. An insurance adjuster inputs the type of injury you have and some other factors and then a computer provides a settlement amount based on other similar cases.

SOME COMMON TYPES OF CAR ACCIDENT INJURY CASES
- Minor whiplash: Minor cost of medical bills & maybe $3,000 extra - Moderate whiplash: Minor cost of medical bills & maybe $4,000 - Serious whiplash: $10,000 in medical bills & $5,000-$10,000 extra, - Joint/tissue damage (easy treatment & physical therapy): Cost of medical bills & $10,000 extra - Joint/tissue damage (ongoing treatment): Probably at least $25,000 or more. - Injuries that require surgery: Potentially $50,000 or more - Severe/life-threatening Injuries: Easily more than $100,000

HOW MUCH DOES A CAR ACCIDENT LAWYER HELP?
The more serious your injury, the more beneficial having a lawyer can be. For minor injuries, a lawyer could make a difference of $3,000 to your case value. For serious injuries or a long term disability, hiring a lawyer could be worth tens of thousands more for your case.

GET THE MOST VALUE OUT OF YOUR CASE BY:
1. Seeing a doctor immediately.
2. Not signing anything or saying much to the insurance company without a lawyer.
3. Going to specialists who understand your specific type of injury.
4. Having a lawyer represent your case. Take care of those four things and your legal team will handle the rest!

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS
HOW MUCH IS MY CAR ACCIDENT SETTLEMENT WORTH

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lowest mortgage rates	business line of credit	mortgage broker near me	best small business loans
low interest personal loans	credit union loans	help to buy equity loan
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commercial loan rates	types of mortgage loans	private money lenders	bad credit business loans

[อินดี้]

PREPARE YOURSELF BEFORE INVESTING IN STOCK
Risky investment Which is a fact that cannot be denied Due to the fluctuating economy Coupled with a lack of understanding about the business of investing Currently, the option for those who are not able to bear the high risk, choose to invest in stocks in different funds or equity securities. That financial institutions are open to those interested can invest according to their wealth Which financial institutions will manage the funds in various stocks When the financial institutions are due, they will pay dividends to the buyers. This type of investment is considered a low-risk investment. But before starting to invest in stocks, must be ready and prepared as follows.

Mental state
Stocks, whether speculative stocks, growth stocks or basic stocks, are subject to risks. Although each stock or each type has different levels of risk, such as the risk of the company itself. If the company has a lot of debt and losses on a regular basis Inevitably has a chance to go bankrupt If that company goes bankrupt Investments in that stock have a zero chance immediately. Another is the fluctuation of stock prices caused by fluctuations in the economy both at home and abroad. That affects the mood of investors in the stock market Investors must know themselves before investing that What level of risk can be accepted? Where can you accept fluctuations and losses? To determine the proportion of investment in shares from the total amount of money available

Prepare
Studying the information of the companies that make the investment or the information of each stock is necessary to study before investing with every stock and every time. Should study the information of the company that wants to invest in detail Including economic direction information Company news from daily business newspapers Or monthly investment.

Prepare investment
Assessing your own funds is important. And must also know how much money we have available to take the risk or the worst, ready to lose that sum Without having a financial impact on one's own If there is any debt that is still outstanding or that has to be paid by installments Should deal with all liabilities first

The above is a way to prepare before starting to invest in stocks. Above all, investors must study each stock. And complete with consciousness before investing Do not expect too high results.

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How to avoid overdraft fees
"Your bank is getting fat off your overdraft fees," said Darla Mercado in CNBC.com. Banks are still making a "bonanza" charging customers who have insufficient funds in their accounts, despite regulations that went into effect in 2010 barring them from assessing fees on customers who don't opt into an overdraft protection program. Through the first three quarters of 2016, big banks reaped $8.4 billion from overdraft fees, according to a new report from the U.S. Public Interest Research Group. That's up 4 percent from the same period in 2015. The median overdraft fee is $34, according to the Consumer Financial Protection Bureau. So, if you have a low balance, "think twice before you swipe that debit card."

"That fee of $30 or $35 might not seem like much," said Ben Steverman in Bloomberg.com. But the median debit card purchase that triggers an overdraft is $24, which means most overdraft fees are essentially high-interest loans. Customers must by law opt in for overdraft protection, but thanks to fine-print contracts, many don't remember signing up in the first place. In a Pew Charitable Trusts survey conducted in 2014, more than half of overdrawing consumers didn't recall opting in for coverage, while more than two-thirds said they'd rather have a transaction declined than pay a penalty. "An overdraft fee may save you embarrassment in the checkout line, but most consumers would rather keep their $35."

Banking locally may not be a saving grace, said Ann Carrns in The New York Times. "Small banks are not much better than big banks when it comes to the fees they charge customers." A new study by Pew released last month found that the typical overdraft fee at a community bank is $32, and that all of the nearly four dozen banks surveyed allowed customers to run up fees of at least $90 per day; some permitted much higher daily totals if a customer kept using his debit card without realizing he was overdrawn. "On the plus side," smaller banks are less likely to reorder a customer's debits from largest to smallest, "a practice that tends to increase the number of overdraft fees the bank can charge."

To stop yourself from piling up penalties, keep a buffer in your bank account, said Heather Yamada-Hosley in Lifehacker .com. To determine the right amount, calculate your monthly income, your regular bills including rent, utilities, groceries, and transportation, and when they come due. Then estimate any additional expenses or likely outlays to figure out how much money you need to have in your checking account at any given time. Add a cash cushion—say $200—on top of that to avoid overdrawing on incidental expenses. "It may seem simple, but if it were, no one would overdraw."

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

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commercial real estate loans	working capital loan	elastic line of credit	mortgage application
second mortgage rates	current home mortgage rates	first bank mortgage	vehicle finance
commercial loan rates	types of mortgage loans	private money lenders	bad credit business loans

[อินดี้]

What late filers need to know
Did you miss the tax deadline? asked Blake Ellis in CNN.com. If you're owed a refund, the good news is that "you won't get hit with a penalty." But for taxpayers who owe money, you're out of luck. "By both failing to file and failing to pay on time, you will incur a maximum penalty of 5 percent for each month after the deadline." And if you're more than 60 days late, you'll be fined $135 or 100 percent of the unpaid tax, whichever amount is smaller. The safest way to avoid a fine is, of course, to file on time. But if that just isn't possible, ask the IRS for a six-month extension. Just "remember, even if you get an  extension, you still have to pay 90 percent of the tax owed by the filing deadline."

Beware of cards bearing gifts
If you've been receiving a flood of credit-card offers, you aren't alone, said Kara McGuire in the Minneapolis Star Tribune. Credit experts say card offers "are hitting the mailbox at rates not seen in a long while." Since fewer Americans carry a credit-card balance these days, lenders are trying to make up lost profits by netting new customers and encouraging existing ones to use their cards more often. The offers are often tempting, including 0 percent balance transfers, waived annual fees, and thousands of free frequent-flier miles. "But there's usually a catch." If you get an offer that seems too good to pass up, read "every last bit of fine print." Take stock of your financial situation, too, and make sure you aren't "missing any terms or conditions that would cost" you in the long run.

Rules for smart renters
Before signing a lease, take care "to avoid common and costly renter's errors," said A.J. Smith in Credit.com. The most important— and obvious—thing to do is to read the lease. "Bring up any issues you have with the document" before you sign, and make sure you fully understand any fees and requirements. That includes policies covering security deposits utilities, neighbor disputes, pets, and roommates. Next, consider renter's insurance, which will protect your personal property and cover you from liability if anyone gets hurt in your new place. Finally, "it's a good idea to take photos or videos documenting the apartment's condition and note any preexisting damage" before you move in. Your security deposit will thank you.

Help choosing disability insurance
If your company has ditched long-term disability insurance, don't despair, said Ron Lieber in The New York Times. Many employers are lowering their disability-insurance payouts or leaving workers to find their own coverage. The insurance replaces some fraction of your income in the event an illness or injury prevents you from working; premiums tend to run roughly 1 to 3 percent of your annual salary. But few people give the coverage much thought, and deciding on a policy can be tough. Luckily, you can see whether disability insurance is a smart purchase for you with the help of a site called PolicyGenius.com, which aims to eliminate consumers' confusion with an online "insurance checkup" tool that can provide quotes and clear comparisons for different types of coverage and policies.

Avoiding hotel scams
Beware of hotel booking sites bearing deals, said Alina Tugend in The New York Times. In what travel experts label "a systemic industry problem," a growing number of customers are being duped "by promises of great deals" on official-looking websites. But in reality, they are being pushed to affiliate sites, incurring unwanted charges, and getting lost in a maze of fine print and Byzantine booking policies. Customers looking to book online should be "careful of what you click," avoiding third-party sites and, whenever possible, booking directly from the hotel website. And if you need another reason to "always pay online with a credit card," here it is: Unlike debit cards or money orders, you can dispute unwanted credit card charges before paying up.

How debt collectors track their prey
There's nowhere to hide from debt collectors, said Gerri Detweiler in Credit.com. While it's hard for just about anyone to get off the grid these days, if you're behind on a debt, it's all but impossible. Debt collection agencies "have many tools at their disposal" to track you down, starting with information you provided to the original lender. When that fails, debt collectors might turn to your credit report and public databases, which can provide information about other accounts, address histories, and name variations. And forget Facebook. Collectors can comb through your social media postings to get information about your income, assets, spending patterns, location, employer, even banking habits. Some firms steer clear of this tactic, "but for the moment it's probably safe to say that anything you post is fair game."

Time to prioritize your bills
When it comes to paying your bills, you're probably doing it all wrong, said Catey Hill in MarketWatch.com. While paying your mortgage before your credit card is always smart, many Americans are still putting their car loans ahead of those debts, "a trend that's been happening for at least a decade." Financial planners say that's plain backward, in part because most Americans have access to public transportation. But even when paying all your bills on time isn't possible, savvy consumers should always put the mortgage first. When you do need a break, "call the company and ask for a payment extension." If the first person says no dice, "ask to speak to a supervisor," who may be able to exercise some discretion.

IRS revises overseas tax rules
The Internal Revenue Service is easing up on its overseas crackdown, said Brian Knowlton in The New York Times. The agency has been aggressively pursuing overseas tax cheats, but criticism that its methods "had disproportionately hurt small taxpayers guilty of innocent oversights" has forced the service to revise some of its rules. Among the changes is an expansion of the voluntary disclosure program, removing the existing $1,500 limit on unpaid taxes and empowering the IRS to determine whether or not the taxpayer's "failure to file previously was 'non-willful.'" Those deemed to have complied will be spared any penalties, but "anyone remaining out of compliance" could face penalties of up to 50 percent of the taxes due, nearly double the current rate of 27 percent.

Don't waste a dime on old tech
If you're looking to save money, start by ditching obsolete technology, said AnnaMaria Andriotis in MarketWatch.com. Your pay-TV subscription should be the first thing to go. More and more consumers are cutting the cable and switching to services like Hulu and Netflix, "which provide much of the same programming at a fraction of the price." Landlines are out, too, with many users switching full time to cellphones and video-chatting services like Skype. For drivers, rather than paying $300 for a new GPS, many are relying on free map apps instead. And don't bother with a "point and shoot" camera now that smartphones are "quickly catching up" in terms of photo quality.

The rules for rewards cards
Don't forfeit your rewards, said Michele Lerner DailyFinance.com. According to a new study from CardHub, "while credit card companies provide about $48 billion in rewards each year, about one third of those rewards are never redeemed." Some of that money is left behind by forgetful consumers, but the shortfall also has to do with the limits on how rewards can be redeemed. Common requirements include minimum spending thresholds nd clauses that cause points to expire after a missed payment. If you're shopping for a new card, remember that cash-back rewards are still best, since they "have the bonus of letting you use your rewards to pay your bill." Lastly, be wary of deals that offer big signon bonuses and low introductory rates. The savings today could cost you rewards points down the road if you ever miss a payment.

Skip the holiday gift card
If you're shopping for stocking stuffers, steer clear of gift cards, said Anthony Giorgianni in ConsumerReports.com. Recent regulations "have made gift cards safer," but there are still "many drawbacks." Just think of gift cards "as cash with lots of strings attached." Some cards carry hefty fees, including purchase fees and dormancy fees. And unlike traditional debit and credit cards, gift cards carry "no right to dispute purchases made with gift cards, even if there's an error or fraud." Finally, if the card's retailer goes belly up, you could end up "holding worthless plastic." If you can't come up with a traditional gift, "just give a check or cash, which can be used anywhere."

JetBlue increases fees, adds seats
JetBlue is joining the baggage fee club, said David Koenig in the Associated Press. The airline announced last week it will create three ticket classes beginning next year and charge passengers in the cheapest class to check a bag. The two highest classes will include at least one free checked bag, with fees for additional luggage. JetBlue "declined to give a price for the bag fee," though the carrier said pricing "would fluctuate with demand." The move leaves Southwest as the only large U.S. airline that allows all passengers to check at least one bag for free. JetBlue will also add 15 seats to its Airbus A320 planes, increasing flight capacity to 165 from 150, and reduce average legroom from more than 34 inches between rows to 33 inches.

A budget for holiday spending
Don't get stuck "with a week or two of ramen noodle dinners" in January because you overspent your holiday budget, said Maryalene LaPonsie in DailyFinance.com. The average consumer will spend $804 during this year's holiday season, according to the National Retail Foundation, and more than a third of shoppers will go over their budget. In order to stay within your means, write down each of your holiday expenses in advance, including food costs, "the white elephant gift for the family party, the office Secret Santa exchange, and all the service workers you tip extra." To save some dough, think of giving presents that "cost more time than money," like knitted scarves, baking mixes, or even chores you can offer friends and family. Finally, embrace your inner Scrooge. Once you have crossed someone off your list, "it's time to stop shopping for them."

Credit scores and car insurance
Bad credit could be driving up your car insurance, said Andrea Coombes in The Wall Street Journal. A new study of five large auto insurers has found that credit history can make or break a driver's premium, leaving motorists with no credit paying 65 percent more than those with good credit. Depending on where you live, that differential can go even higher. In Washington, D.C., drivers with no credit can pay premiums 126 percent higher than those with good credit. Drivers in California, Massachusetts, and Hawaii can rest easy—those states ban the use of credit histories to set car insurance rates. But for everyone else, the findings are another reminder to keep your credit in check.

So long to salary secrecy
Are workers becoming more open about their paychecks? asked Alina Tugend in The New York Times. "Discussing money, as it is often said, is the last taboo." But thanks to a push by federal authorities for more pay equality and the rise of salary-comparing websites like Glassdoor.com, that taboo may be "on the wane." Finding out that a co-worker is earning more might be upsetting, but pay transparency can be a good thing. "Studies show that when pay is confidential, workers often believe the salary distributions are more unfair than they really are." And "when pay is open," workers "can directly ask why someone is earning more and how to equalize the salaries." Widespread transparency may be a long way off, but employees should "know they are allowed to talk about salaries and can't be punished for it," because of federal laws that say employers can't forbid workers from discussing wages.

Check your benefits
It's never too early to look at your Social Security statement, said Michelle Singletary in The Washington Post. "It used to be that a few months before each birthday, you would get a statement from the Social Security Administration telling you your estimated benefit." The agency pulled the plug on paper statements a few years ago, but workers who want a peek at their future can view their statements online. The portal, at SocialSecurity.gov, requires setting up an account, but retirees "can get benefit-verification letters, change their address and phone number, and input or change direct deposit information." For those of us who are still working, the website is a good way to make sure earnings are correctly reported.

Don't raid your 401(k)
Quit treating your retirement savings like "a piggy bank," said John Schmoll in Daily Finance .com. More and more Americans are "pilfering from their 401(k) accounts." In 2011, American workers withdrew $57 billion from their 401(k)s prematurely—a 37 percent increase from 2003. The trend has been fueled in part by younger workers cashing out of their company-backed savings plans when they change jobs. But early withdrawals are not good. In fact, the best thing to do when switching jobs is to either open an IRA or roll your existing 401(k) into your new employer's plan. "Not only will this allow you to avoid losing money due to early withdrawal penalties, but it will also keep the power of compound growth on your side as you build up a retirement nest egg."

Planning a career change
Changing careers can be "terrifying," but there are ways to ease the transition, said AJ Smith in Credit.com. First of all, "remember that the grass isn't always greener," so be sure to learn as much as possible about your new career before ditching your current one. Once you decide to move, "make yourself a good fit." If more education or training is required, you'll need to "look carefully at how this will affect your finances." If possible, land a parttime job or internship "to get your feet wet" while you're still employed, and "get that added degree or certification at night or on weekends." It's also best to build up an emergency fund, since starting a new career may mean taking an initial pay cut or even going into debt while you hunt for a job.

What to know about secured cards
If you're trying to rebuild your credit, consider a secured credit card, said Michael Estrin in Bankrate.com. "Unlike traditional credit cards, secured cards require the cardholder to put down a cash deposit that serves as collateral if the bill isn't paid on time." But don't forget to read the fine print. Secured cards can carry higher interest rates, and often charge fees for exceeding the credit limit or making late payments. And keep an eye on your deposit. While some issuers will refund your down payment and convert the account to an unsecured card, others simply "close the secured account and offer the cardholder the opportunity to open a new unsecured account." That's good news if you need your cash back, but remember that closing accounts can also impact your credit score.

Letting go of landlines
Is it time to ditch your landline? asked Tara Siegel Bernard in The New York Times. The government estimates that 38.2 percent of households now do without landline phones, relying solely on wireless or Internet-based phones. But while cutting the cord might save you money, there "are some factors to consider." When emergencies strike, traditional landlines can be more reliable than wireless phones, since it's easier for dispatchers to pinpoint a caller's location. Landlines also use "the old copper wire system of circuits and switches, which are generally self-powered." Internet-powered phone services—such as Verizon's FiOS and AT&T's U-verse—use fiberoptic lines, which can fail when the power goes out. And contracts with the "more nimble" Internet-based phone providers are not always subject to "the same regulations and consumer protections as traditional lines."

New rules on mortgages
If you're in the market for a mortgage, brush up on the rules, said Les Christie in CNN .com. New guidelines from the Consumer Financial Protection Bureau went into effect last week, aiming to "lower the risk of defaults and foreclosures." Lenders will now need to "determine that a borrower has the income and assets to afford to make payments throughout the life of the loan," which means borrowers can expect stricter underwriting scrutiny. And since "lenders will be required to document" more information about borrowers, count on "more paperwork and longer processing times." The new rules stipulate that "your debt-to-income ratio generally must be below 43 percent," though banks can still give you credit if other factors, such as substantial assets, mitigate the risk of default.

When debt troubles surface
"If you're in debt, you don't get to set the repayment terms," said Bev O'Shea in Credit .com. But that doesn't mean there's no room to negotiate. "Collectors are smart enough to know some money is better than no money, and their job is to get you to pay as much as possible as quickly as possible." If you're behind on a bill, try to work out a payment arrangement "you can stick with," and whatever you do, "get it in writing before you pay. If the debt winds up in court, you'll want documentation of your agreement." Check your credit report regularly for errors, and "work toward getting your credit back on track by addressing any derogatory items."

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS

[อินดี้]

Purchases that turn into savings
Sometimes you have to spend money to make money, said Meg Favreau in USNews.com. While frugal shoppers might fret over purchases, some can actually save money in the long run. If you live in an area where it's feasible to forgo a car, buying a bike or transit pass will save thousands in car expenses each year. And with monthly cable bills averaging around $123, a one-time investment in a TV-streaming device like Apple TV, Roku, or Amazon Fire can add up to thousands in annual savings. For caffeine addicts, an espresso machine is a smart buy. While one "can cost anywhere between $100 and $1,200," the initial investment will pay off down the road. Just think: "If you buy a $4 latte 250 days of the year, that's $1,000," and you still won't have coffee on weekends.

How to build a college fund
If you're planning to send a child to college some day, start saving now, said Dan Caplinger in DailyFinance.com. One of the best tools for building a college fund is a tax-advantaged 529 plan, which allows you to put away cash "on a tax-deferred basis, meaning that even if the investments you select pay interest, dividends, or other forms of income, you won't have an immediate tax bill." And if the money pays for educational expenses—tuition, fees, or housing—even the withdrawals are tax-exempt. Contribution limits vary from state to state, but most 529 plans have caps of between $235,000 and $400,000. That's enough to "give most families all the flexibility they need to save for their children's college education."

Protect yourself from cybercrime
Your PIN isn't the only number you need to keep safe, said Adam Levin in Credit.com. These days, data breaches are a "certainty in life." But credit card numbers, email addresses, and passwords aren't the only things hackers are "gunning for." Phone numbers, significant dates—like birthdays and graduation dates—Social Security numbers, driver's license numbers, and even IP addresses can all be exploited by identity thieves. The best defense is to avoid posting sensitive data online whenever possible. But as cybercrime becomes a fact of life, "the smartest thing you can do is assume the worst" and be vigilant about monitoring your accounts, bank statements, and credit reports for signs of fraud.

Deciding to retire early
Stocks have been on a tear, said Liz Moyer in The Wall Street Journal, and the five-year bull market has allowed many investors to "at least ponder the possibility" of retiring early. But there are some important questions to ask before you cash in your nest egg ahead of schedule. First, have you saved enough? The market will inevitably dip, so it's important to "discount the current value of your portfolio" to account for future drops in the market. Retirement also means lifestyle changes, including learning to live on a leaner budget. Drawing on other accounts—like 401(k)s, IRAs, or Social Security—ahead of selling assets can make your money last longer. Finally, have a backup plan prepared. "Retirement isn't for everyone," and "resting early could leave you bored and restless."

When to buy a new car
When is the right time to spring for new wheels? asked Gerri Detweiler in Credit .com. With the average car payment hovering around $350 a month, buying a new car is "not a decision to be taken lightly." So before you head to a dealer, make sure the time is really right. Safety is first on the checklist. If your vehicle isn't safe, or you fear it will break down and leave you stranded, it's time for something more reliable. "Keep the hassle factor in mind as well." If your car is racking up repairs, replacing it may be a better option for your budget. Finally, check that it fits your lifestyle. A new job or growing family could mean your current car no longer makes sense.

Beware of debit cards on campus
Debit card fees are the latest "campus peril" for college students, said Kelley Holland in CNBC.com. A new report from the Consumer Financial Protection Bureau has found that debit card issuers are frequently charging "hefty overdraft fees," which "are hitting Millennials and college students especially hard." That's because debit cards are increasingly replacing credit cards on college campuses, partly because schools "have lucrative deals with outside companies to provide the cards in exchange for payments to the schools." And while those products aren't always a bad deal—many of the fees are "roughly in line with those of competing banks"—it's still "important for students to make sure the card their school offers is the best one for them."

Save money on winter heating
"Americans could save a fortune this winter, if only they understood their thermostats," said Chris Mooney in WashingtonPost.com. Residential thermostats control an incredible 9 percent of all U.S. energy use, but even though money-saving programmable thermostats have been available for decades, only about 3 in 10 households have them installed. And many of those consumers "just don't understand how to use" them. Thankfully, the latest generation of smart thermostats moves "beyond the realm of merely 'programmable,'" automatically adjusting to a homeowner's location. Honeywell's Lyric thermostat, for instance, can be operated remotely from your phone, and Google's Nest "'learns' your behavioral patterns—and selfprograms to save you energy."

Year-end tips for retirement savers
Before we ring in the New Year, "retirement savers of all ages need to check their to-do lists," said Mark Miller in Reuters.com. If you've already retired, make sure you take your required minimum distribution, which must be taken from all retirement accounts starting at age 70 and a half. "It's important to get this right: Failure to take the correct distribution results in an onerous 50 percent tax—plus interest—on any required withdrawals you fail to take." If you are near retirement, "consider moving part of your annual contribution" to a Roth IRA. Your aftertax savings will then grow tax free. And if you are young, make a resolution to increase your 401(k) savings for 2015. "Getting an early start is the single best thing you can do" for your future.

A safe, global portfolio
"Foreign stocks are in the red this year," said Jason Zweig in WSJ.com, so it's no surprise that many investors have pulled their money out of international-stock mutual funds in recent months. But "there are plenty of reasons for U.S. investors to hold foreign stocks." For one, they can be "an effective hedge against a rise in U.S. interest rates." You'll also get more bang for your buck overseas, since "U.S. stocks have become much more expensive than those in the rest of the world." For a safe international exposure, consider an  exchangetraded fund like Schwab International Equity or Vanguard Total International Stock, both of which charge low fees. "Or you can opt for a low-cost mutual fund that also spreads its bets widely outside the U.S., such as Fidelity Diversified International."

Is college choice important?
Your alma mater may not matter, said Mitchell D. Weiss in Credit.com. According to a new Gallup survey, while 80 percent of Americans think school choice is either "very" or "somewhat" important "when it comes to finding well-paying employment," employers don't always agree. "Of the 623  business leaders who were also surveyed, only 9 percent responded that where a job candidate earns a degree is very important, while 37 percent said it is somewhat so." And as college tuitions continue to rise, "that's good news for students and their families" feeling increasingly stressed by education expenses at brand-name schools.

Rethinking Roth IRAs
It may be time to rethink your Roth IRA, said Dan Caplinger in DailyFinance.com. While paying taxes up front on long-term savings may protect you from higher rates in the future, that benefit could come at "too high" a cost for many taxpayers. For instance, Roth IRAs are a good choice for workers "who are just getting started and are in low tax brackets," since they'll pay a lower tax rate on their savings now and get to withdraw their money tax-free later. But savers in the prime of their career who are currently getting taxed at high rates would be better served by the tax break they can get now with pretax contributions to IRAs or 401(k)s. And if your employer offers a 401(k) plan with matching contributions, that will help you build up your nest egg faster than contributing to a Roth on your own.

The 'new math' of car leases
When you're shopping for a car, does it make more sense to buy or lease? asked AnnaMaria Andriotis in The Wall Street Journal. Many "automobile-makers are trying to make leasing a new car more appealing by lowering the cost of monthly payments," which could translate to "significant savings" over the course of a standard three-year lease. But there are some significant pitfalls to be wary of. While leasing has become increasingly popular lately, it "makes less sense if you are looking at a brand that doesn't retain its value," if you are likely to exceed the mileage limit, or if you "plan on owning a car long-term." But leasing may be worthwhile for drivers who are looking to frequently upgrade to new cars, which should also save on the cost of maintenance "since new cars tend to break down less often."

Zombie bills can ruin your credit
Don't let moving wreck your credit, said Gerri Detweiler in Credit.com. When you're switching addresses, it's important to make sure final or unexpected bills don't go unnoticed. If accounts still have a balance and remain unpaid, they could go into collection and ding your credit score. To avoid that scenario, send a letter to any accounts you need to update or close and ask for a confirmation number. Remember to "check your balances the month you move, the month after you move, and six months after you move" to make sure no wayward bills or balances are lingering on your report. Monitor your credit, too, since "any unexpected drop in the score could indicate a problem."

Life insurance mistakes to avoid
Common life insurance gaffes can cost you a bundle, said Hank Coleman in DailyFinance.com. For one, don't "leave savings on the table by blindly renewing" your policies. If your insurance automatically renews, give your carrier a call to try to "negotiate a discount." And remember to "re-examine your coverage" every few years, especially after any significant life events, such as the birth of a child, marriage, divorce, or major purchases like a new home. Finally, remember that there's safety in numbers. "If you want a good deal on products and services, life insurance included, you need to get multiple quotes." That includes premiums, but also benefits. "Read all of the clauses in your policy" and "understand exactly which perils" the insurance will cover. "While price of the premiums may be the same among many policies, the terms and clauses may be the differentiating factor."

Using rewards cards responsibly
If you use credit cards to rack up rewards, beware, said Kristin Wong in Lifehacker.com. Many cards offer "great incentive programs," but the rewards game can be "like playing with fire," especially if you use the cards to pay for everyday expenses. Opening a new card can shave a few points off your credit score, but so can closing one, since it reduces your debt-to-income ratio. A better approach "is to leave the card open and simply not use it after you've earned whatever sign-up bonus it offers." For heavy rewards cards users, the best way to protect your score is to pay the cards in full every month and never pay interest. Stick to your budget and never "use rewards as an excuse or reason to spend more."

5 TIPS TO PREPARE FOR YOUR PROPERTY SETTLEMENT
8 HABITS OF WEALTHY AND SUCCESSFUL PEOPLE
WHY MILLENNIALS CHOOSE TO BUY HOME
7 TIPS EVERY HOMEOWNER NEED TO KNOW ABOUT INSURANCE
8 TIP ON HOMEOWNNER INSURANCE
10 QUESTION YOU SHOULD ASK MORTGAGE LENDERS
HOW MUCH IS MY CAR ACCIDENT SETTLEMENT WORTH

[อินดี้]

SHOPPING IS THE RIGHT WAY WITHOUT DEBT
Shopping is the right way. There are no debt. Many people like shopping wholeheartedly because in addition to allowing us to New items that are trendy for some people. Shopping It is also considered a way to help relieve stress, but of course, if we buy things like forgetting about the money in the pocket. Or buy without a limit May cause debt problems to follow. Which instead of shopping will help reduce stress It turns out to increase the stress after shopping instead. Therefore, a good technique that will allow us to shop without debt, how? Let's see. Shopping is the right way without debt.

- Allocate shopping budgets: May start with surveys and estimate the income we receive each month. Then determine And allocate spending limits In each section clearly By considering first that How much of that thing is necessary, such as clothing, living expenses, social gatherings and savings. How much should be divided each month

- Use credit cards as: Spending via credit card promotions such as discounts, interest-free installments Or accumulating points Is one way to help save more money If spending correctly and modestly, the thing to be aware of is after spending a credit card. The full cost should be paid. And within the deadline To prevent and avoid interest burden

- Slowly get good prices: instant shopping May cause many Once having to sit back and think Do we really need that, and come to feel regret after the purchase, so to make every item bought It's something that we feel value for money. We may slow down purchases by stopping and taking a little thought before buying. May cause us to get things that are really necessary to us or may be cheaper. If waiting to buy while the promotion is taking place at a discounted price

Shopping according to the above techniques Will help you to manage your initial expense plan And can have a happy shopping experience Which will really help to relieve stress.

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STEP BEFORE BUYING INSURANCE
When deciding to get life insurance Many people do not know how to start. Because too much information Or don't know how to walk to that life insurance company and what to do next Even what documents to prepare In which these doubts have been divided before buying insurance Is a simple procedure that can be done as follows.

1. The first step is to contact life insurance companies directly or through agents or brokers that they know and believe they are reliable.

2. Choose a life insurance plan that is appropriate and in accordance with their needs. Which can be chosen from the advice of staff of life insurance companies or from agents

3. Set the desired insurance limit By considering the monthly income that they receive each month And the ability to send insurance premiums according to the period specified by the insurance policy

4. When deciding the desired insurance plan Fill in details about you in the application for life insurance. By declaring the truth in all respects Especially in the medical history and answering questions correctly about health Because if the insurance company inspects that the information entered is incorrect That insurance policy will be canceled or unable to receive any benefits.

5. If the insurance agent has filled in the information The applicant will check the validity before signing the insurance application form. If the wrong information is found, such as the name of the beneficiary or the name of the insured in error, etc., hurry to complain to the company to correct it.

6. After the insurance company confirms the start of the policy Have the insured pay the life insurance premium every time Can contact to pay at the branch company or by registered mail Or via bank in case of paying through a company representative Every receipt for receipt as per the printed form of the company shall be kept as evidence.

From the above, all steps are taken since the purchase of insurance. Up to the stage of paying the premiums as scheduled Which in each step may have different conditions Depending on the rules of each type of insurance. That may have additional conditions Or requesting specific documents Therefore, before buying insurance, must carefully study information and choose to buy insurance from a trustworthy company or a trusted agent.

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[อินดี้]

Target's credit card gaffe
Stay focused if you did any holiday shopping at Target, said Gregory Wallace in CNN.com. The big box retailer suffered a pre-Christmas hacking scandal in which credit and debit card data from 40 million accounts was stolen from its computers. The purloined data includes names, card numbers, expiration dates, security codes, and encrypted PINs for millions of customers who shopped between Nov. 27 and Dec. 15. If that could be you, look for a notice from Target, which is offering compromised customers free credit monitoring, a telephone hotline, and storewide discounts. Monitor your statements vigilantly for unauthorized transactions, and call Target, your bank, and your credit card company if you see any. In the meantime, "request a replacement card—if one isn't already on the way—and change your PIN."

Tips for preparing your 2013 return
Tax season is approaching quickly, said Beth Braverman in TheFiscalTimes.com. The IRS will begin accepting 2013 tax returns at the end of January, so "now's the time to start thinking about and preparing" your annual paperwork. To avoid costly tax mistakes, start by putting down the pen and paper. The roughly 20 percent of filers who still fill out their returns the old-fashioned way are "much more likely to introduce math errors or simple mistakes." If you hire a tax preparer, "look for someone who's either a certified public accountant (CPA) or an enrolled agent (EA)." And don't drag your heels if you're eager for your tax refund. "Early filers get their refunds more quickly than laggards; plus, starting early gives you a time cushion if you discover missing documents or need to verify information."

Cleaning up your credit score
A bad credit score can cost you, said Kelley Holland in CNBC.com. Experts say that a poor credit rating can cause a consumer's interest rates to soar, adding tens of thousands of dollars to the cost of mortgages and other big loans. In fact, "a truly low score can make it impossible for you to obtain credit at any rate." Insurance companies can refuse to issue policies, and employers still use credit scores to evaluate job applicants. To clean up your score, start by obtaining a copy of your own credit report. Write to the credit bureaus to correct any errors, and improve your financial habits. Pay bills on time, don't carry a balance, and use no more than 30 percent of your available credit.

Personal loans go online
Need a loan? You might want to consider a peer-to-peer lending site, said Ann Carrns in The New York Times. Several new sites, including Prosper, LendingClub, and Karrot, offer loan seekers an online alternative to banks and pricey payday lenders by bringing together "borrowers who need financing and investors who have cash to lend." The sites offer loans up to $35,000 with fixed interest rates, ranging from just over 6 percent to 35 percent, for terms of either three or five years. But consumers should keep in mind that these startups are aimed at "borrowers with credit scores that are considered prime," or at least 640. Origination fees of 1 to 5 percent may also apply, and like most lenders, these companies report your record to the credit bureaus. "While the peer-to-peer label may suggest a friendlier approach," you still need to take your payment deadlines seriously.

Tax credits for college grads
Recent college graduates would be wise to study up on tax breaks, said Daniel Huang in The Wall Street Journal. There are a number of "money-saving features in the tax code" that can offer them serious savings. Filers paying interest on student loans, for instance, may qualify for a deduction of up to $2,500. For those still in school, the lifetime learning credit "works as a 'nonrefundable' dollar-for-dollar reduction of one's tax bill," up to $2,000. And for grads who are relocating for a new job, some moving expenses can be written off as a deduction, though "the details can be tricky—and those taking it must meet stringent conditions imposed by the IRS."

How to survive between jobs
If you are close to retirement age but between jobs, think twice before tapping into your  retirement savings, said Liz Weston in Bankrate.com. Once older workers lose a job, they "tend to be unemployed longer than younger workers" and must often take a pay cut to find a new gig. If you do decide to withdraw some of your savings, calculate the withdrawals carefully. It's best to choose more conservative withdrawal rates, because if new work doesn't come along as fast as you hope, you might otherwise "put a major dent in your savings." A good approach is to withdraw 3 percent of your total portfolio in that first year. That could translate into "a big cut in pay, yes, but it may be enough for you to live comfortably while you look for either parttime or full-time work."

Insurance you don't need
Sometimes it makes sense to skimp on insurance, said Aaron Crowe in DailyFinance .com. "You could almost insure every step you take in life," but that doesn't mean you should. Getting life or health insurance is a no-brainer. But in other cases, it might make more sense to start an emergency fund instead. Buying rental car insurance from the rental agency is often redundant—and expensive—since your credit card or auto insurance may cover you anyway. And speaking of cars, if you're all paid up on an old car, skip the collision insurance. "If a car is totaled in an accident, insurers only pay the current value of the vehicle." If your old clunker isn't worth much, "you're better off putting that collision premium in a fund to help you buy a new car when you need one."

The consolidation conundrum
Debt consolidation loans can be a catch-22, said Gerri Detweiler in Credit.com. They're a helpful "lifeline" for people with bad credit, but you need good credit to get one. Lenders typically factor in how much of your available credit you use, your debt-to-income ratio, and your payment history before approval. The first step toward improving your odds is to evaluate your credit reports "to see where you stand." Once in the market, avoid products like payday loans, which carry high interest rates, and home equity loans, which may not be helpful if your equity in the home is low. Personal loans are a good bet, but "just make sure you are dealing with a reputable company." And if all else fails, consider signing on with a credit-counseling agency. "You'll only have to make one payment a month to the counseling agency, which in turn will pay all your participating creditors."

Count expenses like calories
Are you making a basic budgeting blunder? asked Hank Coleman in DailyFinance.com. Believe it or not, even the most diligent bookkeepers can fail to track all their expenses. And one of the trickiest things to monitor is cash, which "has a way of leaking out of your pocket. You don't remember where it went, and it's easy to toss or misplace receipts." The best way to keep your spending in line is to count expenses like you would calories. That means writing every transaction down in a notebook or on a spreadsheet. Once you've mastered the habit and gathered enough data, "analyzing several months of bank statements will show you where your money is going."

The catch of co-branded cards
Steer clear of retail credit cards, said Jason Steele in Credit.com. These days, "nearly every retailer wants you to sign up for its cobranded credit card," incentivizing sign-ups by offering discounts or interest-free financing. While "these cards can really work if you leverage the rewards and discounts," they can also get customers into trouble if they don't pay them off in full. So before signing up for a co-branded card, check out other options. Some banks offer even better credit financing, and some major cards offer points, miles, or cash-back rewards that dwarf retail cards' sign-up discounts. And if you do decide to get a retail card, perhaps to purchase a big-ticket item, shop around first. Different stores may offer better promotional financing, so be sure to ask for a written application and "review the offer later at home."

Protecting against lawsuits
Are your assets safe from lawsuits? asked Jonathan Clements in The Wall Street Journal. While getting sued may not be on everyone's list of "financial fears," the "risk can loom large" for small-business owners and the wealthy. But there are some precautions you can take. For example, small-business owners should incorporate, as that will make it "harder for creditors to take your share of the business to satisfy a personal debt." And for wealthy individuals, consider putting your money into an asset-protection trust, where "distributions are at the discretion of a trustee, who could stop payouts" if you lose a lawsuit. Thanks to homestead exemptions, losing a legal battle won't leave you on the street, but while some states have "robust" protections, "other states might protect only a portion of your home's value."

Dealing with problem employees
For bosses with subpar workers, these tips may help get them motivated, said Will Yakowicz in Inc.com. First, "don't wait." Experts say "underperformance is like an infection," and a good boss must "treat it and help it heal, or else it will spread." The key is to identify "specific improvements and goals" and create a framework for how to achieve them. "Agree on measurable actions and start tracking their progress," but be realistic and "make sure you give ample time." Finally, follow up. For workers who "turn their performance around, you should reward them." But if improvement is nowhere in sight, it may be time to cut your losses.

Sprint's half-off bills
Sprint has "kicked the wireless industry's price war up a notch," said Ryan Knutson in The Wall Street Journal. The carrier said last week it will let AT&T and Verizon subscribers pay half what they currently pay "in perpetuity if they switch from those carriers." The half-off Sprint plans "would offer unlimited text and talk and however much data the subscribers were buying" from the rival telecoms. While there's plenty of fine print—customers must turn in their old phones and buy new ones, for example—the move signals how desperate the country's third-largest carrier is to "add subscribers after years of losing customers and money." It also "ratchets up the pressure" on other carriers to slash prices and offer  promotions of their own.

Resisting retailers' credit cards
Don't let yourself get bullied into opening a store-branded credit card you don't need this holiday season, said John Wasik in Forbes .com. Retailers push these deals a lot this time of year and sweeten the sign-ups with discounts, betting that "many of us can't resist this chance to save money." But nearly half of consumers say they later regret their decision to open store cards. That's no surprise, since the cards carry fees and interest rates that are often higher than those of ordinary credit cards, "so whatever money you would've saved on a purchase is consumed in interest on your monthly balance." When considering a store card, stick to retailers where you shop "on a regular basis" and don't open one if you plan to apply for a mortgage or car loan in the next six months. You can also compare retailers' offers at Credit.com.

The drawbacks of mobile deposits
Depositing a paper check via a smartphone has become "one of the most popular features of mobile banking," said Ann Carrns in The New York Times, but there are a few downsides. Some banks, for instance, don't allow immediate access to the funds or cap how much you can deposit as a way to limit fraud. While such fraud is rare, it can be a headache. Consider endorsing your checks with the phrase "for mobile deposit only," which "helps reduce the chance that someone could—intentionally or by accident—try to cash or redeposit the check." Be careful with the leftover paper checks, too: Consult your bank's rules about how long to keep them after making a mobile deposit, and put them in a safe place to guard against loss or theft.

Saving on a low income
Earning a small salary doesn't mean you can't build a sizable nest egg, said Emily Brandon in USNews.com. Putting money in an IRA not only allows you to sock away money for retirement, but it also helps you reduce your tax bill. For instance, "a worker in the 15 percent tax bracket who contributes $500 to a traditional IRA will save $75 in federal income taxes." Low-income workers are also eligible for the saver's tax credit, which can be worth up to 50 percent of your retirement account contributions, depending on your salary. Roth IRAs are another good option, because they let you pay taxes on your contributions at a lower rate now instead of in the future, when a higher-paying job might place you in a higher tax bracket.

Mortgage mistakes to avoid
Failing to do all of your homework when you are securing a mortgage "can prove especially damaging" to your financial future, said Chris Birk in Credit.com. Before you sign on the dotted line, get a handle on your credit. Check your credit reports for errors and know where you stand, because a better credit score can help you win a better deal from your mortgage lender. Investigate whether you qualify for any federal, state, and local home-buying assistance programs, such as those for veterans or rural residents. And remember to conduct a home inspection. They "aren't mandatory," but you can use the results "as a pivot point to renegotiate with the seller or walk away from the deal" if there's a problem.

Firing your financial adviser
Breaking up is never easy, said Liz Moyer in The Wall Street Journal, even if it's just with your financial adviser. But sometimes, it's the best option for your portfolio. You might need new advice, for instance, "if your income and assets grow substantially or your family goes through major events such as a divorce." Your investments' performance should be another key benchmark: Ask how your portfolio is doing compared with the major indexes, and don't hesitate to demand that fees be disclosed in writing. If you do decide to fire your adviser, be a "savvy client" and take stock of your needs before hiring a new one. "Think hard about what else an adviser can do beyond choosing investments," such as helping you "prevent rash decisions" in a downturn or sticking to long-term savings goals.

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WHY MILLENNIALS CHOOSE TO BUY HOME

According to NerdWallet's Millennials & Homebuying Study, the top 5 reasons young renters choose to own are:

1. To Have Control over Their Living Space - 93%
Many Millennials who rent a home or apartment prior to buying their own homes, dream of the day that they will be able to paint the walls whatever color they'd like, or renovate an outdated part of their living space. Many others who have waited to add a pet to their families daydream about the day that they'll be able to go pick out their 'furever'friend. Owning your own home gives you the freedom to make those choices.

2. To Have a sense of Privacy & Security - 90%
It is no surprise that having a place to call home, with all that means, in comfort and security, is the #2 reason. As a homeowner, you have control over who has access to your home, and you are able to secure it how you see fit.

3. To Live in a Nicer Home - 81%
Similar to the #1 reason, when you purchase a home, you can choose to live in a nicer home or choose to renovate a home & restore its glory. Owning also allows you to accommodate your growing family or a family member who may need to move in.

4. To Feel Engaged in Their Community - 75%
Owning a home in a community is one of the major reasons why residents become more civically involved. The stakes are raised once your home value is directly tied to the neighborhood and community in which you live.

5. To Have Flexibility in Future Decisions - 53%
Owning a home allows you to use your monthly housing cost as a savings account that can be borrowed against in the future. Having this option available during uncertain times is just one of many reasons why homeowners feel more secure in their homes.

"The majority of millennials said they consider owning a home more sensible than renting for both financial and lifestyle reasons - including control of living space, flexibility in future decisions, privacy and security, and living in a nice home."

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USING CREDIT CARDS WITH NO DEBT
Credit cards are magic cards that help manage important finances. And also helps users to buy the products you want more quickly By bringing cash to pay back the products to the financial institution later. However, the convenience of spending via cards sometimes leads to spending that is more than necessary. And beyond the budget that is available in the wallet And lead to debt

How to use the card correctly is to know how to manage expenses. And understand the scope and importance of using credit cards to buy various products In which an easy method in The use of credit cards from debt as follows

1. Know the scope of their spending And do not use more than they can pay in each billing cycle collected from the cardholder financial institution

2. Know the payment due date And ensure that the financial company that uses the service receives payment from users within the stipulated time.

3. Pay with a minimum minimum rate To maintain the account status as normal But for cards with charge cards Always remember to pay the full amount every month.

4. Keep interest at a fixed rate. By paying a minimum payment at least every month

5. Choose to combine spending together. By choosing methods that provide convenience in spending to yourself Or charge interest at a lower rate

6. Use the online cost checking service. When checking card spending To ensure that all spending is met

7. Avoid cash advance withdrawals. Since you will have to pay the premium It also increases your debt and loan balance. Interest up to 28%

8. Accounting for expenses and expenses within the budget. Check spending lists to control spending patterns.

9. Check the monthly bill regularly. To ensure that there are no wrong transactions

10. Check the credit report from the National Credit Information Company Which sent to cardholders annually by mail that the credit information is correct And also helps to ensure that the financial company that uses the service Use accurate data for analysis. Credit card users will receive the transaction annually, without any charge.

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Dream Interpretation About Snake
Dream interpretations according to ancient texts related to dreaming interpretation of snakes with the meaning of dreams. And hit the lucky numbers from dreaming of seeing snakes as follows:

Dream interpretation snakes strap
Dream about a snake tying a search term, a garter snake, a snake, a slithering snake
meaning
Dreaming that a snake is strapped or slithering around the body, guessing that if you are single, you will meet your soulmate suddenly Notice that the dream If the snake bites the height of the body, such as strangling the neck, strangling the waist, the soulmate is lower than if it is a family member. In that dream, if you hold hands with the snake's body, you will receive a fortune as a son or a stray fortune, floating from a big gamble.

Dream interpretation of snake bites
Dreamed that a snake bites a search term, snake bites, snake bites, snake bites legs, snake bites head.
meaning
Dreaming that a snake bites, predicts that an enemy of the opposite sex will be malicious. or get favored by neighbors If the snake bites low It is a little misfortune, if the bite is high, it will be very bad. or otherwise will be ill due to travel accidents

Dream interpretation of seeing a cobra
Dream of seeing a cobra, search term, cobra, snake, snake bite
meaning
Dreaming of seeing a cobra predicts that hidden love may be revealed. If anyone has an affair or love that is hidden they may be caught.

Dream interpretation of seeing a python
Dreaming of seeing a python, a search term, a python, a snake, a slithering snake, a large snake
meaning
Dreaming of seeing a python predicts that there is a chance to find love that may be your true mate. And this love must endure in order to be successful.

Dream interpretation of seeing a king cobra
Dreaming of seeing a king cobra, a search term, a king cobra, a snake, a snake bite, a slithering snake
meaning
Dreaming of seeing Jong-Ang predicts that hidden love may be revealed. If anyone has an affair or love that is hidden they may be caught.

Dream interpretation of seeing a green snake
Dreaming of seeing a green snake, a search term, a green snake, a snake, a slithering snake
meaning
Dreaming of seeing a green snake predicts the beginning of a new relationship. It could be a new friend or a new lover.

Dream interpretation of catching a snake
Dreaming of catching a snake, a search term, catching a snake, a snake
meaning
Dreaming of catching a snake predicts that you may have a secret crush on someone. Or you may secretly like someone.

Dream interpretation of killing animals
Dream of killing animals, search terms, kill animals, kill snakes, kill cows, kill buffalo, kill tigers, kill snakes, kill dogs, kill pets, kill mad dogs, kill mad dogs
meaning
Dreaming of killing animals such as cows, buffaloes or domestic pets, predicting that they will be in trouble. because of the loss of love or family members in the house If you dream that you kill a poisonous animal such as a snake, a mad dog or a tiger, predict that you will be out of luck or a malicious enemy will defeat us if it is a case that will win.

Dream interpretation of the naga
Dreaming of seeing a Naga, a search term: naga, dragon, big snake, serpent, witness
meaning
Any woman dreaming that Naga or dragon or serpent comes to strangle us, guessing that who is single will get a partner. or get fortune from adults.

Dream interpretation of seeing a dragon
Dreaming of seeing a dragon, a search term, a dragon, a serpent, a serpent, a big snake
meaning
Dream of seeing a dragon or a serpent According to their own views in the house, predict that they will receive the patronage of an adult. or will receive a fortune by taking a risk.

Dream interpretation of a hole
Dreaming of a search word hole, a hole, falling into a pit, a snake pit, a snake pit
meaning
Dream of walking into a snake pit or the hole has broken tiles At the bottom of the hole, guessing that you will be out of luck or get out of disease or will suffer and have good fortune.

19 Most Frequent Dreams in the World
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Dream Interpretation List

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Payable liabilities

A callable liability is defined as a company's legal financial debts or obligations that arise during the course of business operations. Liabilities are canceled over time through the transfer of economic benefits, such as money, products or services.

Therefore, an enforceable liability is a debt of a company that requires the entity to give up an economic benefit (cash, assets, etc.) to pay for past transactions or events.

It is recorded on the right side of the balance sheet. Includes loans, accounts payable, mortgages, deferred income, and accrued expenses. In general, enforceable liability refers to the state of being responsible for something, and this term can refer to any money or service owed to another party.

Callable liabilities are a vital aspect of a business because they are used to finance operations and pay for large expansions. They can also make transactions between companies more efficient.

What does it consist of?
Callable liabilities are debts and obligations of the business that represent a creditor's claim on the assets of the business.

An enforceable liability is increased in the accounting records with a credit and reduced with a debit. It can be considered a source of funds, as an amount owed to a third party is essentially borrowed money that can then be used to support the asset base of a business.

It is possible that an enforceable liability is negative, arising when a company pays more than the amount of a liability. This theoretically creates an asset for the amount of the overpayment. Negative liabilities tend to be quite small.

Types
- Any type of loan from people or banks to improve a business or personal income, to be paid in the short or long term.

- A duty or responsibility towards others, whose cancellation implies the transfer or future use of assets, a provision of services, or another transaction that produces an economic benefit, on a specified or determinable date, with the occurrence of a specific event or by being required.

- A duty or responsibility that obliges the entity to others, leaving little or no discretion to avoid its cancellation.

Classification of payable liabilities
Companies classify their callable liabilities into two categories: short-term and long-term. Short-term receivables are debts payable within one year. Long-term receivables are debts that are payable over a longer period of time.

Ideally, analysts reasonably expect a company to be able to pay its short-term liabilities with cash. On the other hand, analysts expect that long-term liabilities can be paid with assets derived from future earnings or with financing transactions.

For example, if a company obtains a mortgage to be paid in a period of 15 years, that is a long-term liability.

However, mortgage payments due during the current year are considered the short-term portion of long-term debt and are recorded in the short-term receivables section of the balance sheet.

The general time frame separating these two distinctions is one year, but it can change by business.

Relationship between liabilities and assets
Assets are the things a business owns, including tangible items such as buildings, machinery, and equipment, as well as intangible items such as accounts receivable, patents, or intellectual property.

If a company subtracts its liabilities from its assets, the difference is the equity of its owners or shareholders. This relationship can be expressed as:

Assets - Callable liabilities = Owner's capital.

However, in most cases, this equation is commonly presented as: Liabilities + Equity = Assets.

Difference between an expense and a callable liability
An expense is the cost of operations that a business incurs to generate revenue. Unlike assets and liabilities, expenses are related to income, and both are listed on a company's income financial knowledge statement.

Expenses are used to calculate net income. The equation for calculating net income is income minus expenses. If a company has more expenses than income in the last three years, it may indicate weak financial stability, because it has been losing money in those years.

Expenses and liabilities due should not be confused with each other. The second is reflected in a company's balance sheet, while the first appears in the company's income statement.

Expenses are the costs of operating a company, while liabilities due are the obligations and debts that a company has.

Examples
If a wine supplier sells a case of wine to a restaurant, in most cases they do not require payment when they deliver the merchandise. Instead, you invoice the restaurant for the purchase in order to simplify delivery and facilitate the restaurant's payment.

The outstanding money that the restaurant owes its wine supplier is considered a callable liability. On the other hand, the wine supplier considers the money owed to him to be an asset.

When a business deposits cash with a bank, the bank records a callable liability on its balance sheet. This represents the obligation to pay the depositor, generally when the latter requires it. Simultaneously, following the double entry principle, the bank records the cash itself, as an asset.

Short-term and long-term liabilities
Examples of short-term liabilities are payroll expenses and accounts payable, such as money owed to vendors, monthly utilities, and similar expenses.

Debt is not the only long-term liability incurred by the company. Rent, deferred taxes, payroll, long-term bonds, interest payable, and pension obligations can also be listed under long-term liability.

Balance sheet of a company
The balance sheet of a company reports assets of $ 100,000, accounts payable (liabilities due) of $ 40,000 and equity of $ 60,000.

The source of the company's assets are creditors / suppliers for $ 40,000, and owners for $ 60,000.

Creditors / suppliers thus have a claim against the assets of the company. The owner can claim what remains after the due liabilities have been paid.

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10 MOST VENOMOUS SNAKES ON EARTH
From the lethal bites of Australian serpents to the fatal sting of the India's National Reptile, today we look at the Most Venomous Snakes On Earth.

10. Belcher's Sea Snake



Unlike some of the highly aggressive entries featured on this list, Belcher's Sea Snake, or the faint-banded sea snake as it's also called, is much more docile. A mistake in a 1996 first edition of a Smithsonian guide to snakes started the rumor that this was actually the most poisonous snake in the world. In reality, it's venom is much less dangerous than ones belonging to the majority of snakes on this list, and even then it will refrain from injecting venom in most of its bites.

Venom is measured by the amount of toxin required to prove lethal for half of a sample group of animals. This is called an LD50 test. This is a relatively crude, barbaric experiment for testing venom lethality, as well as rife with outstanding variables such as how the toxin is administered with varieties ranging from muscle to vein to fat injections, or even forced inhalation or feeding. But despite this, it remains the main route by which the world measures the deadliness of venom. The true danger of the snake's venom is uncertain as data surrounding its LD50 results are scarce and difficult to compare to other venoms, while rumors continue to run rampant regarding its danger. Many online sources still frame the Belcher's sea snake as the deadliest, but in reality, it has nowhere near the most lethal of snakebites in the world.

9. Green Mamba



Not quite as nasty as it's notorious onyx-colored cousin, the brilliant Green Mamba is still quite dangerous. Armed with a mix of neurotoxins and cardiotoxins , the green mamba's bite targets the body's organ functions, first causing disorientation through dizziness and nausea before graduating to a swollen throat, a shift in heartbeat patterns, and eventually convulsions and respiratory paralysis.

Fatal results aren't always guaranteed once bitten, however untreated bites are thought to have a high mortality rate. Thankfully, the afflicted area bit by a green mamba tends to swell, making the danger associated with its venom a bit easier to identify and hopefully allow for the application of an antidote. Still, this species has very long front fangs that the snake actually has some control over, making more severe envenoming strikes a likely occurrence. In this case, more often than not the effects set in rapidly, and the bitten victim may perish in as little time as 30 minutes.

8. Boomslang



Hanging from the trees of Sub-Saharan Africa is a green and black serpent with a subtle yet treacherous bite. Known as the Boomslang, this species of snake is the only one of its family to prove harmful to humans. Normally found to have a set of inept fangs and a compact venom gland, the boomslang is the outlier among the Colubridae family with massive syringe-like injectors that protrude from the back of its mouth. The venom it produces takes time to process, but the symptoms are severe and can consist of headaches, sleepiness, and even mental disorders.

Mostly a hemotoxin , the boomslang's volatile injection can also stall the coagulation of wounds, leading to a lethal end by external or internal bleeding. It can also cause hemorrhaging of the brain and other muscles.  Due to the hours it takes for the symptoms to set in, victims are often lulled into a false sense of safety, thinking it to be a venomless strike called a dry bite. As a result, those struck by a boomslang's venom sometimes fail to receive the antivenom they need in time. Luckily for the public, though, this snake remains relatively tepid, not too territorial, and will only strike if handled or threatened directly.

7. Gwardar



Often referred to as the western brown snake, the Australian colloquially named Gwardar was christened as such after the Aboriginal advice given to those who would run into such a snake, translating to: "go the long way around." While it may be typically shy, this would still serve as great advice given this snake's penchant for speed. Quick to take the defensive, and even quicker to strike, this highly alert species doesn't need much to get nervous. The gwardar comes in a small variety of looks, but will on average grow close to six feet in length.

Its scales feature an orange-brown hue and the head will either feature a small black V shape on the back or be covered entirely by a coat of black scales. Found all across the continent of Australia, these deadly reptiles are found in forests, grasslands, and urban areas alike. It doesn't have the most deadly venom around, but the gwardar delivers it in high doses through its tiny fangs. This can turn fatal as bleeding complications, abdominal pain, and even kidney damage will occur with severity dependant on the amount of venom injected. But instead of risking it and hoping for a low dosage, next time you're in the outback, just follow the advice and gwardar !

6. Rattlesnake



Infamous for its namesake noisy appendage, the Rattlesnake is actually a type of pit viper, and a highly venomous one at that. Populating forests and deserts from Alberta down to Argentina, all 36 species of the rattlesnake are endemic to the Americas. Unlike other snakes who may take time and maturity to develop their complex venoms, adolescents of this species are born with functioning fangs and venom able to execute at birth.

The venom, like others, results in decaying tissue and blood clotting impediments. But some species of rattlesnake have even been known to cause paralysis with their penetrating strike. Rattlesnake venom is very complex in general, usually containing a mixture of up to 15  different enzymes. The toxins contain immobilizing and digestive components as well, making sure to not only injure their prey but also to slow down and tenderize it as well. But even with all their neat tricks, many species of rattlesnake are endangered today as a majority of their native habitat has been invaded for the past century by what may be their greatest threat: the automobile.

5. Black Mamba



This snake is considered to be the most dangerous and fear-inducing snake in Africa. But their seclusion and timidness keep Black Mamba snakebite rates low, luckily for the public. These snakes are often identified by their coffin-esque heads and long slender bodies which average at around 8 feet in length and max out at almost 15 feet! One feature you can't rely on to recognize a black mamba, though, is its color. Somewhat of a misnomer, black mamba's are rarely black, often appearing in olive, brown, khaki or grey shades. Adolescents can be found wearing lighter hues of these colors with adults darkening as they age.

If you can't spot a black mamba from its look, though, hope you never have to try to identify by its venom. Before the advent of antivenom for this species, its bite was 100% lethal. Without treatment, its victims will typically pass within seven to fifteen hours of being bitten, and some reports as recent as 2008 tell of victims having a heart attack within one hour of envenomation. Those struck by a black mamba's bite will experience abnormal skin sensations like pins pricking them or a limb falling asleep. They'll then often begin to lose motor functions until an erratic heart rate will set in, often leading to cardiac or respiratory failure.

4. Tiger Snake



Usually sporting a thick, blunt head and even thicker, yellowish-striped body, the Tiger Snake of Australia also has numerous variations in physical appearance depending on its inhabited region. Tasmanian tiger snakes, for example, are typically dark brown or black with faint banding stripes. Meanwhile the Western tiger snake is a much deeper black with bright yellow bands and a yellow stomach.

But no matter the look, these snakes at least share one thing in common: their terrifying venom. The mortality rate of untreated tiger snake bites is about 40 to 60 percent, though given their common occurrence in Australia, fatalities are few and far between. This wasn't always the case, but since the introduction of a specific Tasmanian antivenom used to treat all Tasmanian snakebites, tiger snake casualties have lessened considerably in the 21st century.

3. King Cobra



As the longest venomous snake at a maximum length of more than 19 feet, armed with a grizzled, growling hiss and its iconic hood, the King Cobra is truly majestic. And in proper fashion, its venomous bite is a royal pain in the keister . Sometimes only taking a matter of 30 minutes to set in, the symptoms induced from the venom of India's national reptile can send a victim from feeling a bit tired and dizzy to paralysis and into a coma in no time. Some antivenoms exist, but they are luckily rarely needed as very few envenomed snakebites occur with this breed. In fact, king cobras are mainly interested in eating other snakes like rat snakes, pythons and pit vipers. Still, snake charmers are commonly found throughout India and they make up a good portion of all reported king cobra bites.

2. Saw-Scaled Viper



While relatively small in size, this snake is at the top of the big four of India and one of the deadliest in the world, contributing to more snakebite mortalities than any other serpent. Found often in populated areas, the Saw-Scaled Viper crawls low and deliberate with acute alertness, giving inspiration to its other name: the carpet viper. These creatures sidewind to make there way around, keeping part of their body ever still in case of a potential predator...or prey.

At a maximum of length of just under three feet and brown, gray, or olive patterned skin flecked with white, the saw-scaled viper lurks unseen near cities throughout Africa, India, Pakistan, Sri Lanka, and the Middle East. Another unique trait of this species comes from one of its primary defense mechanisms. Living up to its namesake, these vipers will grind their scales together like a rigid saw when threatened, creating a coarse, foreboding warning sound towards the aggressors.

Though they still won't give you time to react as they prove notoriously easy to agitate. Victims that suffer a bite from the saw-scaled viper experience profuse bleeding as chemicals in the venom block blood from clotting. These bites can result in permanent damage or loss of an organ, necrosis, extreme pain and swelling, and even a cerebral hemorrhage , making this tiny snake's bite as violent as it is lethal.

1. Inland Taipan



Commonly called the fierce snake, this Australian native is definitively the most venomous snake in the world. Based on venom measurements, it only requires two and a half hundredths of a milligram per kilogram of the target's weight to cause ones demise, and in some tests only one hundredth of a milligram was needed. That means an average 75 kilogram, or about 165 pound, person would only require, at most, about a 1.875 milligrams of venom to meet their end. To make matters even more frightening, the Inland Taipan can administer an average of 44 milligrams per bite, and has a maximum recorded dose of 110 milligrams!

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