Author: Brent Bray

My name is Brent Bray. I am a writer who loves to learn new things and share them with people. Love to write articles, blogs, and other stuff.

Jul112017 by Brent BrayNo Comments

Reasons People Have To Get High Risk Life Insurance

Insurance

We all know that life insurance is an important part of any good financial plan. Unless you want your family to pass the hat at your funeral, you need to have life insurance in case something were to happen to you. Life happens, and death happens, and you need to be prepared.But what do you do if you cannot get a regular life insurance policy, due to health or other issues? You may have to get high risk life insurance. The name of the type of policy explains what the insurance covers. It is for people who have a higher risk of dying than others. For example, a 50-year-old male smoker who has high blood pressure is generally going to pay more for life insurance than a 22-year-old healthy female accountant. That is because in this situation, there is much more of a chance that the man wi...

Jul112017 by Brent BrayNo Comments

Organizing Medical Records To Save Money

Savings

It’s a good idea to organize your medical records and take care of end-of-year finances in November or December. At that time you can sift through the mountains of receipts, bills and paperwork to throw out what you don’t need and organize the rest. Here are some areas to examine.Flexible-Spending Account If you have a flexible-spending account (FSA), the end of the year is the perfect time to check on remaining funds. With this type of account, you set aside a certain amount of pre-taxed money each month for eligible expenses. The downfall is that you will lose any unused money that remains in the account past the end of the year. It’s a “use it or lose it” medical plan.Find ways to use the remaining balance before the end of the year. Most plans allow funds to be used for medica...

Jul112017 by Brent BrayNo Comments

Commercial Debt Recovery: How To Get Your Money Back

Debt

Setting up in business can be a very liberating step to make but unfortunately a large number fail or experience serious debt problems.And if you run a company which has offered credit or provided services which have not yet been paid for, trying to get the money you are owed can take a lot of time and effort, sometimes to no avail. If non-paying customers are eating into your business time it might be worth starting a formal debt recovery process, as sometimes the mere threat of legal action is enough to prompt payment. Here’s a guide about the process you can follow with the help of a solicitor to try and ensure your customers pay up. Information and research Although you might be keen to start pressing your customers for the cash, the first step that any legal process of chasing debts...

Jul112017 by Brent BrayNo Comments

5 Factors Your Credit Score Should Include (But Doesn’t)

Bankruptcy

Your credit score determines so much! If you are trying to get a new credit card, buy a house, or get a new car, you credit score will make a huge difference in your ability to do these things… and will determine the amounts of extra money you will be paying back in interest.Your credit scores are supposed to tell potential creditors whether or not you will be able to pay back your bills. But under current credit scoring models, there are many important factors that aren’t taken into consideration. This leaves potential creditors with an incomplete picture of who they are working with.Here are 5 factors that your credit scores don’t currently include (but should!). Some credit scoring models do take into consideration these items, but most, including the FICO scoring model, do...

Jul112017 by Brent BrayNo Comments

What You Should Look For In An Airmiles Credit Card

Bankruptcy

The really great perk about airmiles credit cards is the fact that you can charge money to your card for everyday expenses and earn points at the same time that can later be redeemed for your next trip. Everyone knows how expensive a great holiday can be, from the cost of airfare to the cost of rental cars and hotels, so having an airmiles credit card with the right rewards can make a big difference, and bring that dream vacation closer to reality.When searching for the best airmiles credit cards that you can put to work for you, there are certain criteria that you should consider. Below are some of the things you should look at before applying.Airline-Sponsored versus Bank-Sponsored Cards Airline-sponsored credit cards are geared towards specific airlines, so you may be limited i...

Jul112017 by Brent BrayNo Comments

How To Invest In Physical Gold

Investment

There are many different types of gold that you can invest in. You can have shares in gold, gold bars or coins, sovereigns, exchange traded funds, Krugerrands, gold certificates, gold stocks and shares and jewelry. All of these are types of gold that you can invest in. Of these types, the investments that are actually physical gold and the how to invest in them are what we are going to outline today.1.) Know your pricingBefore you invest in any type of physical gold, its very important that you do your research to make sure you are getting the right amount and quality of gold for your money. This could mean that you either do the research yourself, or hire the services of a dealer who knows the gold market well enough to be able to spot a good deal, negotiate and also make sure ...

Jul112017 by Brent BrayNo Comments

International Tax Planning In Cyprus

Taxes

Cyprus – a well known country not just because of its beautiful scenery and people, but also because of its wonderful business allure. For businessmen looking to build or expand their company internationally, Cyprus is one of the top places to go to.Now, you may be wondering just what makes Cyprus a great place for businessmen trying to make it on the international scene. The answer is simply two words – tax planning.Tax planning is one of the main things that attracts companies to doing business Cyprus. For businesses large and small taxes are always an issue that needs to be addressed. This is because taxes, more often than not, take quite a sizable chunk out of any revenue that a business generates. With Cyprus tax planning you can save thousands or even millions of dollars eve...

Jul112017 by Brent BrayNo Comments

Are Zero Percent Credit Cards Really Worth It

Bankruptcy

Many consumers are lured into getting a 0 percent purchase credit card, especially if they are the types of people who do not pay their bills on time or in full each month and do not want to deal with the high interest rates associated with most credit cards.If you do not want to be penalized for not meeting your payment deadline each month, 0 percent purchase credit cards may sound like the best thing for you, but you need to know that these cards also come with their own set of drawbacks, so while they may be tempting indeed, you need to be smart about whether or not they are the right kind of credit cards for you.The Zero Percent Interest is Only Introductory That tempting 0 percent purchase credit card may make it seem like you will never have to pay interest on late payments,...

Jul112017 by Brent BrayNo Comments

Tips For Earning A Great Credit Score

Bankruptcy

Tips for Earning a Great Credit Score If you are planning on purchasing a new car in the future and you want to get an auto loan for it, you should start thinking about your credit score now. Of course, there are some places where you can get an auto loan with bad credit, but it’s easier and less hassle to get a loan with good credit. The following tips will help you be smart with your credit.Know Your Score The first thing you can do to be credit smart is to obtain a copy of your credit report and know what is on it. Review your information at least once each year so that you know where you stand when it comes to your credit score. You might notice mistakes and be able to fix them. When you get your credit report, ask for a score as well. It should include an explanation about the s...

Jul112017 by Brent BrayNo Comments

What Is Your Silver Worth

Investment

If you are looking for a tangible investment that isn’t as expensive as gold, silver may be the solution for you. Silver is considerably less expensive than gold and is fairly easy to purchase. If you’re new to the world of investing in coins and precious metals, you will want to do some research to find out what are the best types of coins to buy, and where you should buy them. Some of the most valuable and ideal silver coins to purchase are listed below.American Silver Eagle This coin was first minted in 1986 and is currently minted still today. American Silver Eagles are 99.9% silver. If you purchase this silver coin, make sure that you receive the paperwork and proof of their authenticity from the seller to prove that the coin is real. All original coins came with this infor...