Guest Contributor

You’ve crunched the numbers and it’s clear – you need a loan. Or, you’re ready to make big changes in life, the kind that can only be carried out with major help from a lender. Loans can help you move forward or get back on your feet, but they’re never to be taken lightly. There’s a lot to learn about how to choose a lender. Some loans, like mortgages, can take decades to pay off. Therefore, the research you do and the questions you answer – prior to making the commitment – have a huge impact on your financial future. 1. What kind of loan are you looking for? Some lenders specialize in certain types of loans. That is to … Read more

In 2017, around 20.4 million students were expected to attend American colleges and universities. According to The National Center of Education Statistics, this is an increase of 5.1 million since the year 2000, and the numbers are expected to increase steadily in the future. The average annual fees for an undergraduate degree, including board, room, tuition and other fees would come to $16,737 for public schools, $43,065 at private nonprofit schools, and $23,776 at private for-profit schools.  With this enrollment momentum likely to continue, it’s important for students to have a good idea of how they are going to pay off their student loans in order to avoid debt that will be harder to overcome the longer that interest is … Read more

It is pretty much common knowledge amongst consumer-packaged goods companies that profitable retail execution needs a well-planned strategy that is effectively implemented. But only a tiny 19% of brands and wholesalers are satisfied with their ability to merchandise effectively in retail outlets. The problem arises when that strategy doesn’t always work as intended. This article identifies four of the most common obstacles companies face in the struggle to achieve their goals and suggests how to overcome them. 1. A low uptake by retailers in complying with your promotions One of the best ways to boost your products in retail outlets is to run promotional campaigns. But a staggering 90% of B2B companies say their promotions aren’t executed to plan, even … Read more

Despite the fact that death is something everyone on earth ultimately faces, the topic is still taboo in many cultures. As a result, many individuals fail to commit to the essential tasks surrounding end-of-life planning and funeral costs. This leaves grieving families vulnerable to the whims of predatory funeral homes and puts your estate at risk. How to Plan for and Minimize Funeral Costs To mitigate these risks, advance end-of-life and funeral planning can protect your family and your assets. Here are some ways you can start the process of understanding funeral costs now. Funeral Insurance As you reach your golden years, consider getting funeral insurance. Like life insurance, funeral insurance can be used to cover burial and ceremony costs … Read more