3 Insurance Jobs That Are in High Demand

In today’s modern day world, most people carry at least one insurance policy. Insurance is what protects consumers from financial calamity should an unexpected event occur. The average person will have at least four different insurance policies: Auto, home, life and health. Because insurance is something that people will continue to need for the foreseeable future, a career in the insurance industry is a smart and secure choice. Before you start searching for current Insurance jobs, you need to determine what path you want take. Below are some of the most in-demand careers in the insurance industry. Actuaries Actuaries are a vital part of any insurance company. Their job is to analyze the financial ramifications of uncertainty and risk. Using financial theory, mathematics and statistics, actuaries are able to assess risks for business and individual clients. Armed with this knowledge, companies can implement policies that help minimize these risks. Actuaries work full-time and most perform their duties in an office setting. Some actuaries work as consultants, which allows them to travel and meet with clients. In order to become an actuary, you must first earn a bachelor’s degree and pass a series of exams before you can become certified. You must possess strong mathematic, business and statistic skills. The average salary for an actuary is $93,000 per year, and this field is expected to grow 26 percent in the next decade. Claims Investigators The job of a claims investigator is to assess a claim and determine whether or not the insurance company must pay and how much they need to pay. Individuals in this field work full-time and outside of the office. They spend a great deal of time inspecting properties where insurance claims were made, such as damaged cars and buildings. To gain an entry-level position as a claims investigator, all you need is a high school diploma. To move up in this career, you may need to earn a bachelor’s degree or, in the very least, gain some insurance experience. The average claims investigator earns $59,000 per year. Insurance Sales Agents Insurance sales agents serve as the sales force for insurance companies. Their job is to sell policies to consumers and businesses. They may specialize in selling one type of insurance, or they may sell various different types of policies. In addition to selling policies, an insurance sales agent will also explain what each policy entails and help consumers choose the right policy for their needs. Insurance sales agents typically work for insurance brokerages and agencies. Some will work directly for one company. Regardless of what type of insurance they are selling, sales agents typically work in an office environment. Most insurance sales agents have a high school diploma, but many are now earning bachelor’s degrees. Every sales agent must be licensed in the state that they plan on working in. The average insurance sales agent earns $48,000 per year. Unlike a traditional salary, insurance agents rely on commissions for compensation. This means that as a sales agent, you have the power to earn as much as you want. Job opportunities in this field are expected to grow 10 percent by 2022....

3 Ways Automation Can Save You Time

In business time equals money, so accelerate your processes and you’ll find your business on the up. Here’s three ways that you can start saving time in your business today. Digital Marketing Marketing automation has many benefits, especially when it comes to things that require a lot of manual action. Automation tools are particularly useful when it comes to online marketing, specifically email and social media. Social media dashboards like HootSuite can make this ten times faster. Automating your posts on Twitter and Facebook means that you don’t have to be logged in all day, updating your status. Email automation is one way to really save time. Instead of writing an email to every single subscriber, it automatically goes out with excerpts from your blog without any effort from you. However, a sense of balance is needed when it comes to digital marketing in these areas. After all, you don’t want to lose the personal touch – an essential part of interaction with potential customers. Asset Management Making sure that your business complies with legislation when it comes to your assets is essential. However, it can be time-consuming and difficult. Automation tools like Assetware make for an excellent business practice. It can help you keep track of what is owned, where it is, who has it, when it was checked out and when it is due back, among other things. It is useful whether you have a fixed number of assets, or whether they are growing. Assets such as these can range from computers, desks and furniture to artwork and demonstration kits. This type of automation really can save you time and money, making something complicated relatively simple. Team Calendars If you’ve found that people in your team are doubling up on actions or products, then it’s probably due to a lack of communication. This duplication almost always results in a loss of time and money. Automation can make this easier, and in a really simple way. Cloud services can sync calendars with a range of different devices to make sure everyone is aware if colleagues are already working on something. In a similar vein, automating essential tasks such as data back-ups and virus scans will safeguard against loss of data. There you have it, a variety of ways to make your business life easier and save you money....

Getting a Tax Refund? Smart Ways to Use the Money...

Improving our personal finances is mostly a gradual process. The primary means for a better balance sheet tend to take time. These include: Increasing Income: You may need to acquire certain skills or experience for a higher salary. Cutting Expenses/Debt: Reducing costs beyond the obvious may be difficult. With static cash flow, putting a dent in principal debt balances is difficult. Investing and Saving: A lack of disposable income makes saving money or investing difficult. Tax refunds are a chance to improve your personal finances in ways not otherwise possible. With the average U.S. tax refund nearing $3000, you can pay down debt, start investing or create an emergency fund. Unfortunately, there’s disconnect between how taxpayers intend to use refunds and the actual result. The emotional high of a lump sum payment causes impulse purchases. Holiday shopping and other consumer spending is fueled by anticipating tax refunds. So, what are specific options to use tax refunds in more productive ways? Here are some choices to consider: Pay Down Principal on Credit Cards: High interest rate cards make it difficult to pay down principal balances. As a result, many cash strapped borrowers simply pay the minimums on their loans or revolving debt. The result is much higher interest expense and long term debt. Lump sum money from a tax refund applies more payment to principal, which results in faster payoff and interest savings. Home equity lines of credit and unsecured personal loans are other examples to consider. Best Practice: You should focus tax refunds on the most expensive debt, rather than a piecemeal approach. Start with your highest interest rate and balance card. Apply the entire amount you intend to use for this card or loan. If money is left over, move on to the next expensive card. Debt reduction has a high return on investment. Paying off a 15% credit card translates to an equal return on your money. Start Investing: A tax refund provides the capital to purchase shares in stocks, mutual funds or other investments. This is particularly helpful to smaller investors with limited disposal income. While a tax refund seems small to start your portfolio, the power of compounding makes this a wise choice. What is the power of compounding? Simply put, the principle says a dollar is more valuable today than at a later date. Inflation is an economic concept that considers this concept. Starting now with a smaller amount yields greater results than starting later with larger sums. Investor Elliott Broidy and mutual fund managers consider compounding when making portfolio decisions. Individual investors can also use compounding when using tax refunds to start investing. Your tax refund check is an important step to investing, which is simply getting started. Improve or Get Insurance Coverage: Adequate insurance coverage is an investment in your financial security. Homeowners should review their policies for gaps in flood, fire and liability protection. Renter’s insurance is also within reach for most tax refunds. Many landlords require renter’s insurance for mutual protection against theft and other property crimes. Best Practice:  Reviewing your various policies may identify overlaps for fast savings. For instance, your AAA membership and auto insurance may have duplicate roadside assistance or auto glass coverage. How Will You Allocate This Year’s Refund? Tax refunds are a fast and convenient way to improve your finances. You also gain insight on better money management by using refunds in beneficial ways....

How to gambling laws differ in the US and the UK?...

It would be fair to say that the United States has traditionally been much more associated with casino gambling than Britain has. Whether it is poker players in Western movie saloons, or the Rat Pack living it up in the casino of Las Vegas The U.S has always had that association. You would expect that, in the modern era of online casino, these sites would find a naturally receptive home in the States, but this is actually far from being the case as of 2013. It is actually the UK which has sought to encourage the development of online gambling, in legal terms. Indeed, it is actually illegal to run an online casino site or bet at one throughout large parts of the United States at the moment. This is thanks to a combination of the Wire Act (2002) and the Unlawful Internet Gambling Enforcement Act (2006). However the confusing – and often frustrating – thing for many U.S. citizens, who love internet casino gaming, is that it is possible for each state to pass its own laws. These can override the national ones, which has led to situations where types of sports betting are legal in some states, while casino gaming is not. The only states to have legalised all forms of online gambling are New Jersey, Delaware and Nevada. There are no such constraints in the UK on those over the age of eighteen who wish to gamble at online casinos at the likes of http://www.gamingclub.com/mobile-casino. Although the 2005 Gambling Act – which was predicted to lead to Britain becoming overrun by gambling problems – is not as lax as was claimed by much of the media. It regulates particularly strongly in the area of advertising, but it does not seem unreasonable to allow consenting adults to participate in casino gaming or online gaming should they choose to do so. People are so keen on playing at these sites, that it seems likely that the U.S. Government will have to loosen the current restrictions sooner or later....

9 Reasons We Borrow Money

There are dozens of reasons an individual would choose to take out a financial loan. Loans are typically classified as secure, and unsecure. A simplified definition is a secured loan has collateral, like a home or a car. Unsecured loans are based off of “your word” you will pay back the money. Below are some of the top reasons we take loans out. 1. Home Loan – Very rarely are we able to purchase a home with cash. Though home prices have dipped over the years, a partial rebound is all but certain. A home loan is typically stretched over a 30 or 15 year repayment plan. Interest rates, though at historic lows, will have you paying roughly twice what your principal balance was to start with. 2. Vehicle Loan – Usually a vehicle loan is repaid over the course of five years. Interest rates are generally pretty low if you have a reasonable credit score. 3. Consolidation Loans – Perhaps one of the most depressing loans we procure is a loan for our loans. In all seriousness, a consolidation loan can be a very calculated option. If you have multiple loans with high interest rates, it is a smart move to pay them off with one loan with a low interest rate. 4. Home Equity Loan – Homeowners may consider a home equity loan when they want to remodel their home. Though not the only option, people get a home equity loan for that very reason. 5. Student Loans – With the ever rising cost of college, many a college student has taken out a student loan. Student loans are backed by the federal government, who set the interest rates. 6. Personal Loan – Since the financial collapse, personal loans are not as prevalent as they once were. Personal loans are unsecured; it is up to the bank to set interest rate and amount they will lend. 7. Payday Loan – Perhaps the most popular type of lending, pay day lenders can be found in almost every city in the U.S. Short term money lenders like Uncle Buck typically loan small amounts of money, for short periods of time. Hence; payday loans are usually due on the borrower’s payday. Beware, payday loans can carry very high interest rates 8. Credit Cards – Credit cards usually offer moderate interest rates. It is wise to keep the number of credit cards in your possession to a minimum. 9. Small Business Loans – Can be used for most types of business, and can cover anything from real estate to needed equipment. The nine reasons above cover most lending an average citizen will partake in. A word to the wise, have as few loans as you possible....

Tools for saving more of your money

Saving money these days seems difficult but there are some simple ways to help save more right now. First you should try to eliminate any debt you may have already, particularly if you’ve only been paying off the interest. Itemizing what you owe and to who will give you a good idea of how this can help you out, often with multiple bills it’s difficult to see just how much of your income is going to these drains. The sooner the better as you’ll end up paying less in interest. However if you wish to start saving immediately then you may want to look into consolidating your debts as this will make for a lower overall interest payment. Next you should create a plan for your savings, having a set of goals helps you organize your resources and work towards those objectives. Part of your plan should include better financial planning. This can be as simple as examining what you feel you need from the money you save, as short term and small as a new sofa or as large and long term as a down payment on a house or a retirement plan, having these ends in mind will give you something to work towards. Part of this should also be establishing timelines for these goals, don’t give yourself leeway to procrastinate by not setting a time frame for yourself. Afterwards take your monthly budget and see what can be managed realistically. Be sure to include pet costs such as food and miscellaneous services like weekly poop cleanup. It’s much easier to break it down and see how much you would be able to save by month or even on a weekly basis. If you don’t have a budget to work with, that is a big problem. It’s much easier to manage your income and be able to save when you’re aware of what you have and what you use, without one you can’t be aware of what you spend and how to trim costs. SuperMoney has lot of great personal finance tools reviewed that can help you with better personal finance planning. With these simple tools you should be on the right track for saving money....

3 Auto Buying Tips Every Consumer Should Know...

Buying a new or used car is often cited as one of the most stress-inducing consumer experiences because the auto sales industry is notorious for high pressure tactics. Knowledge is power, however, so before you go out to shop for a vehicle make sure that you know the following tips. They will give you added insight into the techniques that auto sales professionals use to beat consumers during those intense and much-dreaded showroom negotiations. 1. Plan Ahead First you’ll need to come up with the money needed to buy the new car, which typically requires that you take out an auto loan. To prepare for that you should focus on reducing your debt load, because the lower your debt is compared to your income or available credit, the easier it is to qualify for a loan. Lenders refer to this as credit utilization, and learning to manage it is one of the keys to improved credit. The better your credit, the lower the interest rate and down payment on a car will be, so this step can save you lots of money before you even decide what kind of vehicle you want. You may also want to sign up for a card that offers cash back rewards that can be applied towards your new car purchase. General Motors introduced a new kind of plastic in October 2013, for example, that lets cardholders earn up to 5% that can be applied towards buying a GMC, Chevy, Buick, or Cadillac vehicle. You may want to sell your old car yourself, too, because you will almost always get considerably more for it than the dealer will offer if you do a trade-in. Another reason to sell the vehicle on your own is to take that transaction off the table before you get to the dealership, because it’s one of the main ways that car sellers try to squeeze more profit from their customers when they use the classic 4-Square sales scheme outlined below. 2. Beware the 4-Square The 4-Square system has been used for decades as a way to manipulate the components of a car sale negotiation and tip the scales in favor of the dealer. As one auto dealer described it, the 4-Square is used to give the buyer the false impression that they are getting a better deal even when they aren’t. Familiarize yourself with it so that you won’t fall victim to that practice. There are many variations to the 4-Square, but basically it involves dividing the price negotiation into four parts. Dealers often draw four squares on a piece of notebook paper to help them keep track of the technique, which is how it got its name. In one square they write the retail sales price, in another they put the trade-in price, the third square is reserved for the down payment, and the fourth square is where they record the amount of your monthly payment. The idea is that the customer will ask for a low sales price. In order to give them what they want, the sales manager can drop the price while adding to the cost of financing, lowering the value of the trade-in, or raising the amount of the down payment. In this way a clever seller can change the figures in one box and then manipulate the math in the other three squares in order to always come out ahead. If you want to buy a car for $20,000, for example, despite a...

What are the Benefits of Commercial Banking?...

Commercial banking is related to banking with business owners and business accounts and can be a great asset to have in your financial arsenal. Typically, commercial banking occurs within a traditional bank, but there is a department focused on commercial endeavors. Commercial banking includes payroll processing, financial planning, commercial lending, and other business-related banking matters. There are several benefits related to commercial banking for both the banking institution and the business consumer. Commercial banking makes many of the financial aspects related to running a business more convenient. Business owners can rely on the bank to handle many tasks they would otherwise need to handle in-house. Commercial banking can also create an advantageous financial situation for businesses and their employees. For instance, commercial banking services can help business make smart investments with retirement accounts. Business savings accounts can also be beneficial and help businesses build a brighter financial future. Opting to use commercial banking services makes a variety of day-to-day business tasks easier to handle. It can save time and cut costs over the long-haul. Companies can outsource payroll processing, cutting down on the time it takes to handle payroll in-house and ensuring things run smoothly. Many companies lack the tools needed to create an efficient payroll system, so they rely on outdated, ineffective measures to pay employees. When payroll processing is outsourced to a commercial banking facility, everyone involved can rest easier. Commercial banking institutions might even offer direct deposit of paychecks into employee accounts, cutting back on a great deal of inconvenience for workers come payday. If you are interested in business savings accounts or other arrangements with a commercial banking facility, you will find that it makes it easier to secure loans for a small business. Just as a traditional consumer bank would give favor to its long-term customers, so does a commercial bank. Businesses that have long-standing relationships with a bank stand a better chance having commercial loan applications approved because they are viewed as trustworthy and loyal. If a company gives its business to a bank, the bank will do all it can to honor that loyalty. Some banks offer commercial account holders merchant services. This makes it easier and less expensive to process payments and manage transactions with customers. Additionally, commercial banks can provide invoicing services, retirement account management, and banking transfers. Commercial banking can be expensive, but many businesses find it is worth the investment. As a business grows, managing financial matters can become a time-consuming challenge. If you believe in the benefits, look into commercial banking options for your company, shop around and find the best and most affordable option for your business....

Make Extra Cash by Selling Old DVD’s, CDs, and Video Games!...

While cleaning out my car, I found not one but two CD storage cases full of CD’s. Thumbing through them, I realized that I listened that I had totally forgotten about those CD’s, and yet I listen to most of them quite regularly. Every CD in both cases was already loaded either onto my phone or MP3 player, and the discs had been slid under the seats and completely forgotten about. And what was I supposed to do with them now? Well, considering I had no real need for the discs themselves, I decided it was time to say goodbye to them. As luck would have it, I stumbled upon a website online that offered to buy these CD’s. There are a few of these located online. Most of these sites offer a free shipping offer, and allow you to simply check each title to see if it is desired and what the payout for each would be. As I was looking through the sites, I noticed that they also accepted DVD’s, Blu-Ray’s, and even old video games. Like most people, I have a specific closet in the house filled with junk that I don’t really know what to do with. So I waded in, dug around, and happened upon some old video games from my college years, as well as several DVD’s that I had been given a Christmas that I watched once or twice and then shoved into a box. Then, I sorted through my collection of Blu-Ray discs and located several titles that I didn’t like, or my kids had since outgrown. With an armload of various discs and games that I didn’t want and hadn’t used in years, I spent a few minutes on the website checking the titles. As I sorted through the offerings I had, I watched the total grow and grow. In the end, I was able to turn this forgotten about collection into a nice little unexpected payday! And I can assure you, no meal tastes as good, or trip is as fun as one that is paid for with no real work or effort. It was almost like finding a money tree in my junk closet! So the end result was I finally cleared away some junk I was holding onto, and was able to take a quick trip with my family on the earnings. And best of all, I had only scratched the surface on my CD and movie collection!...

3 Tips to Impress your Boss

There are times when every employee feels like their boss doesn’t respect them or appreciate the work that they do. It’s a typical situation and it can start as soon as you enter a workplace or it can happen after you’ve worked somewhere for a while. Bosses like to see their employees enthusiastic and excited about their work, and whilst you may enjoy your work, your boss might start think that you’re in a workplace rut. So whether you feel like your boss is apathetic to your work or they’ve started sighing when you come in the door, here are three quick tips to help you get back on their good side. 1.       Volunteer Whether it’s making tea for the office or taking the lead on a massive project, volunteer to do things whenever you can. Your boss will see your initiative and it will you get you noticed as someone who is happy to work and wants to help out whenever they can.  Even if you feel like a project is too big for you, then ask your boss for help or suggest collaborating on the project together. This also gives you an excuse to get closer to your boss and impress them up close. 2.       Stay late, come in early Working late and coming in early is a contentious issue for some workers. Arguably if you can get your work done in the day then it doesn’t seem necessary, but staying late maybe to double check what you’ve done that day or writing a to-do list of things you have to do tomorrow will make you look dedicated. This is especially pertinent if your boss stays late most days, don’t do it every day, but make sure a few days a week your boss sees you staying as late as he does. This may also lead to you having a one-on-one chat when no one else is in the office. 3.       Train, train, train Become invaluable to your department, if you feel like you are weak on some areas of your work, let your boss know that you’d like to talk to other members of the team to learn more. Admitting weakness isn’t a bad thing because you’re showing that you want to improve on those areas. If at all possible, join professional organizations in your field or look into taking a City & Guilds apprenticeship so you have more actionable skills. Attend seminars and keep up with industry news, these small changes will show to your boss not only how committed you are to work but how much you can improved since you started working. Impressing your boss can be as simple as putting some extra effort it, if you feel overwhelmed and maybe that is why your failing to live up to their standards, then tell them! Most people who run departments are exceptionally busy and don’t know what’s going on if you don’t tell them. Asking for help isn’t a bad thing, it means you recognise your limitations and want to do what’s best for yourself and the company....