Ramit Sethi – Personal Finance Basics

Ramit Sethi explains the basics of personal finance. http://www.creativelive.com/courses/money-creative-professionals-ramit-sethi

New York Times best-selling author Ramit Sethi has taught over a million students how to better manage their money.

In this clip from his online course, Money + Business for Creatives, Sethi gives an overview of how his approach to financial thinking will help you reach your personal finance goals by teaching you how to spend, save, and invest your money.

Sethi introduces a system for managing and thinking about your money so your creative business can thrive.

Access the complete online business class: http://www.creativelive.com/courses/money-creative-professionals-ramit-sethi

How To Find Affordable Life Insurance For High Risk Clients

A lot of individuals simply do not qualify for affordable life insurance policies. If this is your case, you have probably given up on looking for a life insurance policy. If you are considered as a high risk client by insurance providers, you should know that solutions exist. You will eventually find an affordable life insurance if you take the time to shop around.

high-risk-life-insurance-policiesInsurance providers will consider you as a high risk client if you are over 50 or if you have a medical condition. Some companies might offer you coverage but the premiums will probably be too high for your budget. However, a good life insurance policy is important if you are chronically ill or are over 50 and working with the right company will allow you to get rates, even when purchasing life insurance for high risk individuals.

Some insurance providers specialize in creating customized policies for clients who would represent too much of a risk for other insurers. The goal of these companies is to provide affordable life insurance for everyone instead of focusing on low risk clients. These insurance providers have a great understanding of various kinds of risks and will work with you to build a policy that corresponds to what you need and what you can afford.

Requirements for High Risk Life Insurance

You will have to provide your insurer with details about your lifestyle and your medical history so they can understand your situation. This information will be used to create a customized policy that will provide you with the coverage you need. Keep in mind that the premiums will not be cheap but you will be able to subscribe to an affordable life insurance policy.

Once you find the right insurance provider, you will be able to subscribe to an affordable policy. You will find a policy that corresponds to your needs and budget regardless of the risks you represent if you take the time to look around.

Avoiding Financial Ignorance

If you’re seeking long term success, it’s imperative to get your finances in order. Being financially literate should be a priority in someone’s life if they wish to prevent financial disaster during their life. Some people will be angry with life for being unfair. Following the advice in this article will help to highlight some of the important tips that should be followed financially in order to have financial freedom.

Financial ignorance pictureFor someone who is in debt, making payments on time should always be a priority in life. You’re not an ostrich, you can’t hide your head in sand and avoid financial difficulty if you’re not paying things on time. Eventually, it will catch up with you and when it does, it will include interest and perhaps even late fees. The more you ignore a debt, the longer it takes for it to go away. Eventually, that $100 will turn into $150 or even more all because of the fees that are added on to your account. Credit card debt is one of the most difficult situations to remedy.

For those who have multiple debts, you should pay off the debts with the higher interest rates to start. If you can’t pay these down, talk to the creditors and find a payment plan that is acceptable to both you and the creditor. Always select a plan that won’t affect your cost of living.

Never take out payday loans unless you’re so short of cash that you have no option. Many tap into their credit in order to maintain a lifestyle that they can’t afford. Avoid these situations and always live below your means, you’ll sleep so much better at night this way.

Pay your debts off on time and remain out of debt to regain your financial freedom. Remain aware of emotional triggers that lead you to purchases you don’t really need. Be frugal in your spending.

Many women choose to go shopping when they’re stressed. Some may spend hundreds on lattes and more. Now that you know your triggers, avoid them.

These tips can help you to remain prosperous in life.