Finance And Money

You must have come across websites that promise you instant riches with the press of a button, only for you to discover that they are nothing but someone’s way of conning innocent people off their hard earned money. Our advice is that you should never waste your time on such schemes; they will only frustrate you and result in losses.

However, if you truly want to do something about your finances, then you are at the right place. We offer you the best money management advice online, which will result in you having more money in the bank than what fake websites would ever give you.

Our goal

The primary goal of our website is to help you achieve financial freedom and to live a life that is free from bad debt.

In order to achieve this, we will provide you with useful information on a regular basis that is free from errors, exaggerations, and lies, characteristics of websites that want to make money from you.

Identifying Sites That Are After Your Money

The sad reality is that so many people lose so much money on get-rich-quick schemes online every day, such that it has become unclear which sites are to be trusted and which ones to avoid completely.
Here are important things to look out for in case you are wondering which sites to trust and which ones to avoid:

The promise of overnight financial success

The moment you find a website claiming that it will show you how to make colossal sums of money in a day or so, do not even pay attention to it. We promise you financial success that will come from following sound financial principles; rules that have worked over the years and are working today. Our style of achieving financial success involves a lot of budgeting, saving, investing, and financial education.

Suspicious content

Some information can sound too good to be true and lack backing from sound financial principles. If it is too good to be true, then chances are that the information is not true. We will provide you with well-researched financial information on a regular basis, information produced and confirmed by finance professionals with regard to its legitimacy. We will keep you up to date on the latest developments in the world of finance, and give you tips to help you make sound financial decisions.

Subscriptions to win a jackpot

A finance website and a gambling site have a lot of differences. You cannot expect a website that is offering you financial advice to ask you to pay a fee for a chance to win money.

The blogs we will post on our site, the tips, and the financial advice we will give you will not cost you any money. The worst that could happen is for you to read the content and not change how you manage your money.

Bottom Line

The surest way of making money, using your income wisely, investing wisely and avoiding debt lies in getting professional financial advice. It is harder to try working out your finances in your own way without help from professionals, and it is even harder to make it while following the advice of fraudsters. We are the professionals that you should partner with because we are out for your best interest.


Term Life Insurance

Term life insurance is also referred to as term assurance. This type of life insurance only offers coverage for a designated period of time. During this term, a fixed rate is applied. Once the term concludes, the same rate no longer applies and insurance is no longer valid until a new payment rate is determined. This method offers one of the least expensive ways to obtain life insurance when needed.

The Death Benefit
Term assurance is offered as a death benefit. This means the money put in is only issued if someone actually passes within the term period. If the term ends and no one has passed, then the money put into the insurance plan is forfeited. If the person has passed, then the beneficiary receives the death benefit amount.

The money paid out from term life insurance is tax-free. This means the government is not able to put a tax on it. It does not have to be listed on a tax return, and is instead able to be used for necessary expenses.

Lower Costs

This type of insurance has lower costs than permanent plans. This is because there is no guarantee of payout. If the insured does not pass within the term, then no money is provided.

Because of the way this plan is set up, people are able to pay lower monthly costs in order to have the life insurance. Many choose this lower cost option to save on money, but still want to have some sort of insurance plan available just in case something were to happen.

One Year Option

Term assurance may be offered at a fixed rate for up to 30 years. However, many people are not ready to make this commitment. Instead, some choose to partake in a one year option.

This short solution helps people gain insurance in case something happens to them. They can then take the year to better plan out their future and choose a longerterm insurance option that meets their needs.

Select Term

People are able to select their term, within the specifications allowed by the insurance company. This typically involves 10, 20, and 30 year terms. The monthly rate is fixed for the entire duration of the term and will only change after the term has ended.

Return Premium

There is an option available for those looking to see some of the premiums they paid returned to them once the policy ends. This is known as a Return Premium Term Life Insurance Plan. This option provides a far better solution for most, as they actually see some money at the end of it. This is typically allowed if a lengthy term option is selected, such as 30 years, which the person outlasts. This option is not ideal for everyone though, as the premiums are higher to pay. A higher coverage amount is also required.

Term life insurance is a popular option in today’s economy. Many are choosing term assurance so they can save on money for the time being, yet still have the protection they need. It is a short term option that appeals to many.