How donating to charities has impacted my life

Posted by on Jul 1, 2017 in Finance, Investment | Comments Off on How donating to charities has impacted my life

If one is lucky enough to have a relatively stable income in the middle class or anything above, it’s not that uncommon to muse about giving to charities. Of course it’s not easy for many people to part with their hard-earned money, especially if one gets nothing tangible in return. I don’t claim to be a saint and I must admit that for me it was not easy to have standing orders with my favourite charities, despite sharing their values. Nevertheless, I feel I’ve had very good experiences give to charities.

The most obvious benefit of giving to a charity, from an admittedly selfish point of view, is the sense of pride that one feels about having contributed to the betterment of society. While I don’t want to bang on longer than necessary about how this makes me a better person, it is something that has helped clear my conscious. While I certainly caution any potential donators against giving to a charity to offset whatever wrongs they might have done, from a moral standpoint, it must be said that I certainly sleep better at night knowing that I’m not wholly selfish with the money I earn.


Continually, as briefly as possible, on the more personal element of donation there are the tax benefits of giving to charity. While there is no right or wrong reason to give to a charity, the tax breaks that donations afford one  are well-documented and worth looking into for anyone wishing to gain from their donations. Depending on how much one gives the tax breaks can be substantial.

However, by far the biggest benefit of giving to charity is the help that it provides to those who need it most. Many larger charities operate in numerous countries round the world, but I have often found that the biggest differences are those that come from supporting local causes.

Local charities often specialise in the needs and causes that are held dearly by the communities in which they are located. By way of example, Penny Appeal in the Birmingham focuses of attracting donations from the city’s sizeable Muslim population. While not Muslim myself, I find myself sharing many of the more temporal values and advocate people of all beliefs (and non-beliefs) giving to charities that make an impact in the local community.

As a teacher one of the greatest rewards I have seen in my job is the progress the students make as time progresses. At the beginning of the year the children may not have heard of a certain topic, but after a few months its what they are discussing on the playground. In this way I feel that I’m making a tangible impact and that is what appeals to me most about giving to charity. Over time and with a bit of luck one can begin to see the impacts that charities have on local communities.


If you are thinking of giving, I can only enthusiastically encourage you to do so because you’ll make the world a better place and probably feel better yourself.

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Getting a Loan – How Easy is It Today?

Posted by on May 16, 2017 in Finance | Comments Off on Getting a Loan – How Easy is It Today?

Getting a LoanBack in the good old days, I’ve heard my parents take out loans when times were tough.

It was during examination days, tuition during college, or when me or one of my siblings would get sick and needed to be placed in a hospital. While both my mom and dad were working respectively and were strict when it comes to buying what the family needs, there were still times when they were short on cash. And mind you, getting a loan in the past isn’t as easy compared to what people do today. Back then, my mom or dad would have to line up in front of the loan office. They would have to fill up a bunch of papers as loan applications and you have to wait for a few weeks before you can finally get your money. This was because there were no computerized systems and no Internet to automate the whole system. In fact, in some developing countries, people still have to file and fill up forms for their loans.

When the Internet was finally invented, this gave loan companies the idea to be able to get a loan as quick as possible right in the comfort of their own home! Payday and title loans can now be done by filling up online forms found within the website of the loan company. All you have to do is make sure that the information you placed in the site is legitimate. Some companies require the loan applicant to appear in the office for an interview, but you won’t have to line up in the office. These  are done through scheduled interviews.

Getting a Loan 2Is it the same for every type of loan though? Not exactly. Filing for a title loan can have a different duration for those filing for a payday loan. And with regards to bankruptcy loans, these can also be filed online through an online loan site, although the procedures are far different compared to payday or title loans. You have to understand that getting a bankruptcy loan is not easy, since one is getting a loan despite the fact that he/she is already bankrupt or have no money left in his/her bank account. If in case you’ll need to file for one, you can do so first online and then go to the loan company once you received the call from them.

Another innovation of today is the ability to get a personal finance Mandurah advisor. Some loan companies allow online loan transactions, which is convenient since you don’t have to go anywhere. You can apply for a loan online. Right now, companies that give car title loans allow online application.

Thanks to the Internet and the power of modern technology, getting loans today is no longer as tedious and difficult as compared in the past. Now you can borrow some money without having to wait for a really long time. Who knows? Perhaps someone will bring even more innovations when it comes to applying for loans someday in the future.



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Posted by on Feb 11, 2017 in Finance, Investment, Loans, Shares | Comments Off on Speculation


Certain benefits oblige a protuberance total speculation, for example, corporate securities or when you’re putting down a store to buy a property, and others offer the adaptability of either bump entirety or normal commitments, for example, a money ISA or stocks and shares ISA.

A few speculations likewise have a base money related duty, so recognizing what you can manage the cost of and whether you plan to make an irregular or a continuous sparring is a decent beginning stage.

Certain venture items keep running for an altered amount of time, so if you have a particular date at the top of the priority list with reference to when you need access to your capital, then some item sorts won’t be a good fit for you. Likewise, certain ventures, for example, shares, are any longer enduring and shouldn’t be considered as fleeting speculations.

That is on account of despite the fact that shares have verifiably expanded in quality over the long haul, they can differ in worth in the short term.

We all have diverse explanations behind sparing, and the motivation behind your speculation can influence the amount of danger you’re arranged to bring with your cash. In the event that your speculation is to pay for your kids’ training, then you may be contributing more than a drawn out stretch of time, and searching for a higher return, accordingly you may be slanted to pick a higher hazard venture choice.

Then again, in case you’re contributing cash to pay for an abroad outing, or another auto, you may be contributing for a brief time of time and need assurance about the result of your venture, and you may feel more good with lower hazard fleeting speculations.

prod_shareThere are other speculation items accessible that can likewise give a standard pay, for example, annuities, or corporate security stores, on the other hand you could decide to put resources into a purchase to-let property to give you a rental pay. Buyers may wish to look for expert guidance first before taking out such items as they frequently oblige a colossal responsibility.

When you contribute cash, it gets tied up and is no more effectively open. Be that as it may, on the off chance that you have a sudden requirement for money how rapidly and effectively would you be able to sell your advantage? Furthermore, what’s the punishment for doing this?

On the off chance that you think this may be an essential variable for you then it merits knowing in advance what the ramifications of escaping from a venture early are – if surely it’s conceivable.

speculationOnce you’ve addressed these inquiries you’ll have a superior thought of the sort of speculations that would suit you. Money related guides have a tendency to prescribe having an arrangement of speculations, that way if one venture performs severely, you have others to fall back on. It additionally implies you can arrange so you have transient speculations and additionally long haul ones.



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