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.

Oct102017 by Brent BrayNo Comments

When Is A Personal Loan A Good Idea

Loans

There is a set process that you need to go through when you are getting a personal loan. You will be glad to know that companies make the application process simple and it can even be completed in as little as five minutes. This can be done online so that you are not going to have to deal with large amounts of paper. When is a personal loan going to be a good idea? When You Need To Buy A New Car Buying a new car is going to be simple when you have secured the right loan. The process of getting the loan is very straightforward. This car bought with bad credit personal loans that have guaranteed approval is going to give you independence and you are not going to have to rely on the public transport system at all. Once you have bought the car, you can also start to use it as part ...

Sep252017 by Brent BrayNo Comments

Why You Should Consider Hiring a Chartered Accountant Prior to Setting up A Company

Finance

Should you be thinking about starting up a new business, you may think that you can take care of everything and you don’t see any need for a skilled professional in accountancy prior to when the time comes to prepare the accounts and file a tax return. However, having a trained expert in accounting beside you will ensure that you register for taxes at the proper time and that all the right boxes have been ticked regarding tax compliance. Here are some major reasons why it just makes good business (and common!) sense to employ skilled tax accountants in Nottingham prior to setting up your company. Inspecting the Business PlanA lot of people somehow think that when they start up a business, that after promoting their business, that the selling of product will happen magically stra...

Aug72017 by Brent BrayNo Comments

Wealth Management Made Easy

Finance

Learning how to manage your wealth and understanding the basics of financial discipline are extremely important for people in this day and age. If you do not know how to manage your money properly, it won’t be long before you run out of it. It doesn’t matter how much money you make in a month; you need to learn how to manage your wealth properly. If you earn a significant amount each month, you need to save a percentage of it. For example, if a person makes $20,000 a month and spends $18,000 or more in the same month, he or she is not exactly rich. Despite the fact that a monthly income of $20,000 is an extremely handsome amount, not saving a percentage of it could come to haunt you later on. Here are a few tips for managing your wealth properly.Learn to Invest Money saved in the bank...

Aug72017 by Brent BrayNo Comments

Why the Forex Market Is Best for Trade

Stock Market

It is clear that you want to know more about online trading and your options in the foreign exchange market, and this is one market in which many companies and individuals work towards success. Forex is the best market to trade because you can find superior conditions for trading, advanced platforms for trading, and the ability to trade easy with some of the most excellent market prices. To truly understand why you benefit from this option, it will help to look into the Forex market and its history as a whole.Forex, also called foreign exchange, is by far the most liquid and largest available around the globe, and the creation of online access has brought its retail part. This development allowed people of all backgrounds to trade using a wide range of trading platforms, the doors firs...

Jul112017 by Brent BrayNo Comments

What To Do With Your Stock Portfolio While You Are On Vacation

Stock Market

The stock market moves fast, and if you have your money invested in the stock market, that means your money will move fast, too – and possibly right out of your fingers – if you don’t keep a close eye on it. So, what do you do when you want to go somewhere far away, kick your feet up, and just move slowly for a while? Here are some tips for what to do with your stock portfolio while you are on vacation:Stop loss order. This is your protection against significant losses during your absence. Simply place instructions with your broker – in the form of a stop loss order – to sell a stock as soon as it dips below a pre-determined value. Set your stop loss price to an amount that is under the current trading value (about five percent below is a good rule of thumb, unless you are holding onto...

Jul112017 by Brent BrayNo Comments

6 Unusual Insurance Policies

Insurance

Insurance policies aren’t something we usually think of as interesting. What’s interesting about deductibles, monthly premiums, and pages of miniscule fine print? Well for most of us, not all that much. But that doesn’t mean that all insurance policies are boring. Here are 6 unusual insurance policies that you have to see to believe.Holly Madison’s Breasts For $1,000,000 Holly Madison, the reality star of the Girls Next Door and one of Hugh Heffner’s former girlfriends, had her breasts insured for a cool one million dollars. According to Madison, she took out the bosomy insurance policy to protect her income in case something happened to her “assets”. And she means it literally – on her Las Vegas production, Peepshow, Madison often appears topless and indeed, would suffer a si...

Jul112017 by Brent BrayNo Comments

The History And Overview Of Paying Federal Income Tax

Taxes

Money raised through federal income tax is used to pay a variety of programs such as benefits and services provided by the US government for the good and needs of the people. Other important services such as national defense, and federal benefit programs, including Social Security and Medicare, could not continue without the money raised by the federal income tax. While the federal income tax was not established until 1913, taxes in some form have been a part of American history since the beginning.During the years of 1791 throughout 1802, the US government was supported by internal taxes on tobacco, refined sugar, carriages, and even property was sold at auctions. The increased cost of living that took place after the War of 1812 brought about the nation’s first sales taxes on luxury it...

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...