Buy Personalized Mugs – Things to Remember

Buying gifts is never an easy task. Any festival, holiday or occasion just puts an added pressure on us. It is frustrating to research and dig for a gift that the other person is more than okay with. You can’t really leave getting gifts to luck and wait and see if your loved ones like … Continue reading “Buy Personalized Mugs – Things to Remember”

Buying gifts is never an easy task. Any festival, holiday or occasion just puts an added pressure on us. It is frustrating to research and dig for a gift that the other person is more than okay with. You can’t really leave getting gifts to luck and wait and see if your loved ones like them when they are unwrapped. Mostly, you do not want to disappoint them because they mean something to you.

Keep in mind that shopping is fun and there are gifts that can warm the hearts of anyone with just a touch of personalization. If you are not a planner, you will most probably succumb to frustration that one undergoes when it comes to last-minute gif shopping.

Personalization of mugs

When you are puzzled for a gift idea or have hit a wall thinking of ideas of gifts, you can always go for a personalized mug. It is something all of us every day, it can be custom-made and it can be useful. Coffee cups are most considered impersonal. It’s usually a gift considered appropriate for a colleague, boss, teacher or an acquaintance.

But that’s old story. These days there are a multitude of ideas to personalize mugs and make it special for your loved ones. Mugs can be personalized irrespective of the gender or age. Mugs can be made as appealing to your friends as to your family. If you are creative and have an idea about their likes and dislikes, making the mug unique is an easy task. Here are a few ideas how you can convert coffee mugs into amazing personalized gifts that would be cherished by your loved ones.

Photo mugs

One of the easiest ways to make your mug personalized is adding a photo to it. Mugs can be personalized by simply adding images on them. Photos can be printed on the mugs easily. All you need is a digital copy of the image. An image or a collage of images that will bring back fond memories can be added to the mugs. Another great thing about these mugs is that they will remind the person for whom the gift is intended about you every time they use the mug, which can be every day.

Quote mugs

Sometimes, when you are not very sure what gift you should buy; mugs can seem like a great idea. They can be great gift for employees, colleagues or clients. They can be personalized with your company logo, tag line or quotes praising people.

Sharpie mugs

While sharpie mugs are a very successful DIY project you will see around the internet, it doesn’t mean they do not make excellent gift. These mugs carry messages and can be ordered online or be your own DIY project. The best thing about these mugs is that they can carry your unique message and will always stand out from other gifts. Also, these mugs are affordable.

Other personalization

The person whom you are going to gift the mug will have hobbies, interests or passion. Why not choose a mug or personalize a mug that talks about their work, quirks or something unique about them. Are they Harry potter or Spiderman fan? A mug with a quote or picture can be a great option. For photography fans, there are lens shaped mugs. The possibility is endless. With a little creativity a research, mugs make an awesome and unique gift.

How to Make Annual Travel Insurance Work for You

Holidays used be a luxury: generations ago, the idea of crossing nations was intimidating for its expense and difficulty, while the concept of crossing oceans was only possible for the lucky few. Nowadays, packing your bags for a trip is almost an expectation for many middle-class families, and the travel industry is booming.

The need for travel insurance has grown as well and, while many travel now and then, there some families and individuals who can afford regular trips. If this is the case for you and your family, you need to consider how to make annual travel insurance work for you.

Choose the right provider

The first step is probably the most obvious. Choosing the provider of your policy comes with its own set of expectations, including reliability, efficiency, and, of course, value for money. But picking an annual travel insurance policy from the plethora of companies flooding an already bursting market can seem daunting. The key is to focus on the quality of a provider’s guarantees, matched with the openness and simplicity of their plans. Solid, small and reliable firms are usually backed up by larger insurers, and offer plans which, while simple to quote and easy to book online, always come with a clear explanation of exactly what you can expect if you plan your regular trips. Choose wisely, and whether you’re heading off to Spain on short weekend trips or have a few conventions to cover in Ireland over the summer, you know you have a policy you can trust.

Choose the right plan

Even the smallest providers will offer a range of plans. It’s not always a simple matter of narrowing down a number of annual travel insurance plans offered by a few companies and going with your gut instinct. The intelligent way to make your plan work for you is to ensure you only pay for what you need. Year-round cover varies, and whether you are a businessperson, family, couple, or individual will, along with other factors, affect the efficacy and cost-efficiency of your plan. Checking the fine print will save you from paying for things you might never need.

Choose the right extras

The nature of annual travel insurance means that it’s is based on the rather pessimistic premise of portentous injury, accidents or loss of valuables. But even if the best-case scenario occurs and you never need to make a claim, a policy can be made attractive with some potential extras. Free cover for children, cover for cruises or golf equipment, 24 hour emergency contacts and other perks can make your plan work for you all the harder even harder – and save you money!

How to Create a Budget Around Debt Repayment

In order for you to start putting extra money aside to pay off your debt, you must first gain control of your monthly spending. After all it is your spending habits that have led you into debt in the first place. Before each month begins, you must sit down and allocate every single Dollar of your income to a particular spending category. Every Dollar has a purpose. You must create what is known as a Zero Balanced Budget. What this means simply is that when you total up your income and subtract all of your expenses, the balance is $0. Every single Dollar of your income must be put to work for you, there is no spare money. Not even a spare cent!

When completing your budget, you must allow for every single area of spending. If you do not then you will not have money for it when it comes up. For example, if you do not include money for tires or car servicing, you will not have the money for them when they are required. It is easy to account for the general monthly expenses such as food, lights, heat, mortgage and so on, but you must also include a category to cover annual expenses such as clothes, car maintenance, insurance etc. My own personal budget is created using EXCEL, but you can simply use a pen and paper if you wish.

OK you have now created your budget but this is only half the plan. If you do not stick to your budget then it is all but pointless. You need to record every single penny that you spend on a daily basis. You can simply jot it down on a piece of paper or notepad or you can use any number of smart phone apps. I personally use an app called Spending Tracker and it allows me to export my spending record to EXCEL. Last point on this is to record your spending as soon as possible after you spend the money or you will forget.

When you have created your first budget and recorded your spending for one month you will be ready to adjust your budget. It is extremely unlikely that your first budget will go according to plan. If it does then you have not set it tight enough and you need to cut it more. Using your spending record, adjust your monthly expenses as required to get a more accurate budget. Keep doing this until you have developed a budget that you can live on and includes all of your spending requirements.

Once you find yourself following this budget process regularly and consistently, you will free up money to pay towards your debts. If you do not, then you have an “Income/expense gap” problem. I will tackle this in a later article. If you need any further help with budgeting or budget forms, please do not hesitate to get in touch.

Is Refinancing the Right Choice for You?

RULE No. 1 – Never Lose Money

RULE No. 2 – Never Forget RULE No. 1

– Warren Buffet

When one of the world’s richest man talks about money, everyone must pay attention. His advice is useful for everyone including people with car loans. If you have a car loan and are losing money because of high-interest rates, you must take necessary steps for saving your hard-earned money.

You can save money by applying for refinancing because it will help you in obtaining lower interest rates and affordable monthly payments. When you begin the process of refinancing, you apply for a second loan to pay off your first loan.

When should you apply for Refinancing?

Even though it is a good move for saving your money, you should not opt for it without thorough understanding of your situation. If any of the following situations applies to you, only then you must initiate the refinancing process:

Is there a Significant Drop in Interest Rates?

Check out the current interest rates for obtaining a used car loan in your area. If the interest rates have reduced phenomenally since you purchased your car, you could save money by refinancing your car.

Is there an Improvement in your Credit Score?

Your credit score is an important factor for lenders to determine your interest rates. If you had a bad credit history or zero credit score at the time of buying your car, you may have received high-interest rates.

If you want to start the refinancing process, check your credit score. If your credit score is healthier and has improved considerably, you can apply for it.

Is your Loan Term Lengthy?

Most people concentrate on lower monthly payments but forget to consider the car loan term. A lengthy loan term is bad news because it means you have to pay interest for a longer period of time. So, if your loan term is longer than five years, you must opt for refinancing and choose a shorter loan term. It will help you in reducing the total interest amount.

Is there a Pre-Payment Penalty?

Before opting for refinancing, you must consider the terms and conditions of your present car loan. There are many lenders that charge high pre-payment penalties for breaking the loan contract. You must opt for refinancing only if penalty fees don’t negate the savings that you will receive by refinancing your car loan.

Is your Car Lease expiring?

Under a car lease agreement, the financing company purchases the car and then leases it to you for regular rental payments. At the end of the lease period, you have the option of buying the car or returning it to the financing company. If your car lease is expiring and you have no money to buy the car, you can opt for refinancing. The refinancing option is also helpful for those people who want to get out of their ongoing lease agreement.

Where to look for Refinancing?

Once you are sure of refinancing, you have several options to start the process. You can apply for refinancing at your local bank or a credit union. You can even visit websites of several online auto financing companies and choose one that offers you the best interest rates.

All the best for finding a better car loan!

Planning For Your Construction Equipment Finance

Expanding or establishing a construction business can be a daunting prospect. Not only are there building regulations and rules to consider, insurances and administration, but you will also face the prospect of purchasing expensive equipment needed to conduct your business. While there are a number of equipment finance options available, to make the best use of construction or commercial equipment finance, you need to properly plan.

Determining What You Actually Need:

The first step is to determine what you actually need to buy. Will you be considering brand new, refurbished or used equipment? Will you be using some of your capital or need the whole sum covered by finance. Australia based business owners need to consider what equipment they will need to conduct their everyday activities. You should remember that more specialised equipment, you will only need periodically, may be better sourced from an equipment rental company. However, if a piece of equipment is needed for most of your business services, it would be more economical to own or long term lease it.

You will also need to consider if you need any office based equipment such as computer systems needed to optimise your projects and make your operation more efficient. This cost may also need to be factored into your equipment finance.

Different Forms of Equipment Finance:

The specific deal will depend on your particular equipment finance needs. Most lenders offer more flexible terms for finance. This can include longer loan terms and lowered monthly payments with final balloon payments. Obviously, if you are looking for larger items of construction equipment such as plant equipment, there will be more flexibility in the equipment finance terms. Since cash flow is important, you may wish to consider keeping your monthly repayments as low as possible. This will allow you to keep your operating costs low and manageable. You will also be able to budget accurately, since you will know exactly how much you will be paying each month.

Obtain Pre-Approval:

One of the most sensible options for your equipment finance is to obtain pre-approval. This will allow you shop with confidence, making an offer as soon as you see what you need at the right price, without worrying about whether you can actually finance the purchase. Pre-approval for finance can be arranged to a set level to allow you to plan your purchases and obtain the best deals. You can also shop around for refurbished or used equipment to obtain the best possible equipment at the best possible price.

Choosing Your Equipment Finance Provider:

While the prospect of obtaining multiple quotes for your equipment finance may seem a little daunting, it is possible to make the process easier and smoother by using a reputable broker. A broker specialising in construction finance will have a network of providers and access to the best deals. The broker may even have a particular relationship with some of the lenders which allows access to exclusive deals. This allows you to compare the rates and terms available, without needing to spend days on the phone.

If you are considering equipment finance for your business, contact us. We are a specialist broker and our experienced advisors would be delighted to answer any questions you may have and assist you in finding the deal best suited to your requirements.