Finance

Is Retiring In Spain Worth It? Here’s What You Need To Know – STL.News

(STL.News) As retirement approaches you may be starting to think about how you want your twilight years to look.  And for many, this means living a Mediterranean lifestyle.  If you can imagine yourself while away the hours on a sunny beach and then hitting the tapas bars after dark, then Spain should be on your list. But, what is the reality of returning in Spain like?  Surely, there must be some challenges?  Anytime you are considering an international move there need to be things to consider. In this article, I will go over several of the things to be aware of before booking your one way flight to Spain. 1 – Find your climate Spain is a small country with a climate that varies wildly depending on where you live.  You can find just about any type of weather you prefer, but you also co...

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Finance

Why are Investors Becoming More Discerning in Their Choices? – STL.News

(STL.News) It has always required a special sort of business to be able to capture the attention of an investor.  However, recently, it has also felt rather like it is near impossible to find investors willing to take the chance on businesses unless they are truly exceptional.  Let’s take a look at why many investors have chosen to become a little more discerning. Packed Industries Many industries have become oversaturated with new companies and entrepreneurs trying to push their own ideas. A classic example of this is in the tech industry. Every few years, a major discovery is made that then causes a flurry of copycats. To attract attention from an investor, a business needs to be completely unique and innovative.  This is harder than it might initially appear.  There are so many aven...

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Finance

Ambiguities in Life Insurance Plans you Should be Aware of – STL.News

(STL.News) Ambiguity is present in multiple contracts and agreements, usually so the person issuing the document has some flexibility on the policies.  Sometimes terms are unintentionally ambiguous because the issuer didn’t have the forewarning of how the terms could be interpreted.  With that said, there are a few ambiguities you should be aware of for your own protection. What is Ambiguity in Life Insurance? To be ambiguous implies that the text’s meaning is up for debate or isn’t explicitly stated.  An example of this is if an insurer says that you will be covered in the event of a fire unless it’s deemed man-made.  However, a fire that isn’t man-made, like in the event of a lightning strike or dry foliage igniting, may be considered man-made because there is reason to believe your ...

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Finance

Is a Business Degree Useful? – STL.News

(STL.News) Whether you are straight out of college or have spent several years in the job force, you may have thoughts about the value of college, and the benefits of a business degree specifically.  While some careers, such as nursing, clearly require a college education, others, such as sales, seem easy to access without doing so.  You may wonder specifically about the benefit of this degree.  Is it only beneficial if you plan to run your own company one day, or have a specific interest, such as marketing?  A degree in administration or management allows you to explore many options. Some people feel that a business degree is too general to be useful, but that is not true.  If you have a specific idea of what you want to do with your career, then taking a major in that field makes sen...

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Finance

Watch out for debt collection scams – STL.News

Raleigh, NC (STL.News) The North Carolina Attorney General’s Office is working to crack down on debt collection scammers who try to convince consumers that they owe unpaid debts or try to scare or threaten consumers to collect on non-existent debt. If you receive a call from a supposed debt collector, take these steps to verify the call and determine your rights: Get the name of who is calling, the name of the collection company, its address, and its phone number. Verify that this company is licensed.  In North Carolina, you can do so by contacting the North Carolina Secretary of State and the North Carolina Department of Insurance. Get validation information about the debt – within five days of contacting you, debt collectors are required by law to provide you with details about the d...

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Finance

Earn Some Extra Cash for the Holidays by Selling Your Junk Car – STL.News

(STL.News) It hardly seems fair or like we’ve actually had a full year between last Christmas and this year’s holidays, thanks to COVID-19.  However, that is the situation we find our-selves in, with just a couple of months to go, you may be feeling the pinch and unsure how you are going to afford a decent celebration.  That is why you need to start thinking outside the box. Do you have a junk car that you have been holding on to?  Perhaps you have always felt that you would sort it out and sell it?  If it’s still sitting collecting dust in your gar-age or covered in your drive.  Now maybe a better time than ever to turn that car into cash.  There are obviously a variety of ways you could sell your car, which we are go-ing to look at in the following post. Sell It To a Company That Buy...

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Finance

Get 20 Down Payment Car Insurance in Georgia – STL.News

(STL.News) Auto insurance in Georgia has often been regarded as more expensive when compared to other states.  The need for auto insurance is nothing less than mandatory, as all drivers in the Peach State need to carry it at all times.  The minimum coverage amount for all car owners is also the same.  Then the question is, how does someone save on car insurance if they have a tight budget? The answer to this question has several possible outcomes.  First, look into low down payment options.  This includes a car insurance 0 down payment policy.  You should know that not all drivers will be approved for these types of deals.  You can also try and qualify for low deposit auto insurance plans, that can put you on the road with minimum coverage for next to nothing. Just because you need the...

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Finance

Thinking Of Relocating? 4 Moving Tips For Retirees

(STL.News) – When the time to retire arrives, many people find that they are not properly prepared for what lies ahead.  Proper planning should cover a lot of factors, including where you want to end up once you take a well deserved break from the world of full time work. Here are some handy tips to help retirees who are hoping to move to greener pastures, covering everything from location-hunting to the move itself. Choose Your Location Carefully Clearly the place you pick to spend your retirement not only needs to be practical in terms of access to friends, family and amenities; it also has to offer a good quality of life so that you can enjoy yourself as much as possible. The best places to retire should offer great public services, suitable transport links, excellent support for re...

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Finance

Alabama Securities Commission Issues Advisory on Initial Loan Procurements

Montgomery, AL (STL.News) – Companies using blockchain technology need to raise capital just like any other company.  One way these companies accomplish that is through initial coin offerings (ICOs), which require the new company to create tokens that can be sold to investors and used for the development of new projects.  An alternative fundraising method is catching the interest of investors.  Initial loan procurements allow companies to raise capital without the added burden of creating tokens. The Alabama Securities Commission today issued an investor awareness advisory providing information to help investors better understand initial loan procurements.   Initial loan procurements may appeal to investors who want to get into blockchain technology but are wary of the risks of ICOs.  ...

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Finance

US Mint News: James Monroe Presidential Silver Medal on Sale on Aug. 8

WASHINGTON, DC (STL.News) – The United States Mint (Mint) will begin accepting orders for the James Monroe Presidential Silver Medal (product code S805) on Aug. 8 at noon EDT.  This medal is the third of four .999 fine silver presidential medals slated for release this year. The obverse (heads) of the James Monroe Presidential Silver Medal was designed by Moritz Furst.  The design features a portrait of the president with the inscriptions “JAMES MONROE,” “PRESIDENT OF THE U.S.,” and “A.D. 1817.” The medal’s reverse (tails) was designed by John Reich. It bears the inscription “PEACE AND FRIENDSHIP” symbolized by two hands clasped in token of amity.  On the cuff of the left wrist are three stripes and buttons, while the other wrist is bare. A crossed peace pipe and tomahawk are above the...

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Finance

Leading Self-Directed Retirement Plan Provider, IRA Financial, Surpasses $4.5 Billion in Client Retirement Assets Invested in Alternative Assets

Fastest growing provider of self-directed retirement plans, IRA Financial sees surge in client interest in alternative assets and surpassed $4.5 billion in alternative assets Denver, CO  (STL.News) – IRA Financial Group & IRA Financial Trust Company (“IRA Financial”), a leading financial technology self-directed IRA and 401(k) plan provider & custodian, announces that is has surpassed $4.5 billion in client retirement assets invested in alternative assets. IRA Financial has helped over 16,000 clients invest over $4.5 billion in retirement funds in alternative assets through its self-directed IRA and self-directed solo 401(k) plans.  IRA Financial has also developed the first mobile app in the self-directed marketplace that allows clients to be onboarded and invest in alternativ...

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Finance

H&R Block DIY desktop tax software 2019 on sale now for tax season 2020

Normally priced at least $10 less than TurboTax®, clients get exceptional value and easy access to expert help throughout the tax preparation process KANSAS CITY, MO (STL.News) H&R Block (NYSE: HRB) DIY desktop tax software 2019, for tax season 2020, is available for download and expanding soon to retail outlets nationwide.  Starting at $19.99, DIY tax software 2019 is designed for filers of all complexities, ranging from first-time filers with simple tax situations to small business owners.  For those who prefer to do their own taxes with desktop software but want the security of knowing expert help is available if they need it, this year’s software makes accessing help easier than ever before with significantly enhanced self-help resources, including 24/7 access to free support v...

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