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Archive for the ‘Financial’ Category

Personal Financial Planning

Tuesday, November 17th, 2009

A personal financial planning can be considered the process where an individual or a family decided to develop and implement an integrated plan to accomplish their objectives. The essential elements of this financial planning concept are the identification of financial goals and the development of an integrated plan to accomplish the objectives.

As all of us know humans are exposed to many serious perils, such as property losses from fire and windstorm, and personal losses from disability and death. Although individuals can not predict or prevent completely the occurrence of these dangerous events, they can provide against thier financial effects. The function of insurance is to safeguard against such misfortunes by having the losses of the unfortunate few paid by the contributions of the many who are exposed to the same peril.

The essence of of insurance is the sharing of losses and, in the process, the substitution of a certain small loss ( that is to say the premium payment ) for an uncertain, large loss.

In the peril under consideration is that of the death, the financial loss suffered can be reduced through life insurance. If the peril is instead disability, the financial loss can be compensated by the health insurance.

Insurance may be defined from two perspectives: that of the society and that of the individual. From the society’s point of view, life or health insurance may be defined as a social device where individuals transfer the financial risks associated with loss of life or health to the group of individuals, and which involves the accumulation of funds: and this concept means that the insurance exists when there is a transfer of the risk from the individual to the group.

From the individual’s point of view, life or health insurance may be defined as an agreement where one party pays a stipulated consideration ( the premium ) to the other party ( the insurer ), in return for which the insurer agrees to pay a defined amount of money if the person whose life is insured dies or suffers an illness to a stated time.

Emergency Cash Loans

Friday, November 6th, 2009

It is possible for an individual to obtain emergency cash loans to overcome financial crunch. These loans can be taken as many times as and when you are under severe money constrains irrespective of their bad credit.

For availing emergency cash loans which are also referred to as fast cash personal loans you will need only an official ID, an inspection amount and an applicant possessing a job. If a person meets all these requirements then he or she can easily avail emergency cash loans for a short span of time. The amount of money borrowed is usually very less so moneylenders or firms do not bother much regarding useless time consuming formalities. Due to this reason no collateral are required to be laid for these loans.

These loans can be borrowed by an individual of any financial status. There are no discrimination pertaining to monetary grounds. The borrower can have any kind of credit constrains which comprises IVAs, amount overdue in their names, CCJs and many more are entitled for emergency cash loans.

In case the check amount is not available and efforts are made by the lender to cash in, then you will be charged by the bank an overdraft charge. In such a case make sure that your checking account has the amount of loan else make sure to make negotiations with the lender if you are not in a position to pay back the loan. The borrower should choose a lender who offers the best scheme. For this it is essential to make comparative analysis between the schemes of various lenders in order to strike the best deal available.

As far as the options for fast cash emergency loans are concerned there are not numerous reliable options apart from emergency cash loans. An unrestricted resource of cash as emergency cash loans should be hold without any complications. As far as emergency cash loans are concerned the most excellent advice which can be considered by any individual is to make plans in advance and nothing should be left unverified.

Elastic is a great way to s-t-r-e-t-c-h your paycheck a little further. Use it to pay bills, avoid bounced checks, and cover unexpected expenses. Elastic is part of the ThinkCash, Inc. family of products, where their formula for success is simple: By providing the best customer experience, they all win. From day one, they’ve focused on three things: providing better prices than competitors, making products convenient for customers, delivering world-class customer service.

One million customers later, their focus hasn’t changed. Elastic understands that there is a story behind every loan – a hard working American that came to them because they’re in a financial pinch. They can’t always say “yes” to their customers, but they can treat every customer – regardless of their status – with respect.