Submitted by: Shay Ramani

Black Friday, more famously known as the biggest shopping day of the year, is around the corner. As the day marks the beginning of Christmas shopping, merchants leave no stone unturned to allure the customers with huge discounts and special deals for the big shopping day. It would be a four day weekend sale starting from Friday 25th November and ending on the Cyber Monday that is the 28th November.

You will find great deals everywhere, be it the online daily deals website or high streets or supermarkets.

Trade experts at VoucherCodes and the Centre for Retail Research forecast that British shoppers would be spending an eye watering 1.96 billion on Black Friday 2016. They say that there would be a 19% increase in sales than what it was last year.

Popular items that are expected to see high sales in the UK are computer games, gadgets, clothes and more. A survey concluded that the day will see massive sales worth 2,313,760 per minute. Moreover, the trade prediction says that this year the shoppers from the UK will contribute to 60% of total Black Friday sales in Europe.

Another important trend seen over the years is that shoppers are choosing online shopping over purchasing stuff from brick and mortar shops. This year, it is expected that 30% of the shoppers would be buying stuff online while 63% shoppers would be buying from the concrete shops. Statistics suggest that online shoppers would contribute to a sale worth 1 billion, while shoppers on the high streets would bring up the total to 961m.

Such monstrous sales figures are possible as the Brits show a trend of strong affinity towards mCommerce. More and more people are buying things from their mobiles and tablets than their desktops. Reports suggest that around 59% of people would be buying things from their mobile phones on this Black Friday. In the monetary sense, we can say Brits would purchase items worth 591 million through their smart phones and tablets.

What would people buy on the Black Friday?

Well, if we look at the annual trends, then it is found that people buy everything, including Christmas gifts, household items, gadgets, toys, TV and more. A survey by YouGov concludes that 29% of Brits are planning to buy big items and it has even given some more data to ponder upon the sales of the Black Friday.

64% would buy gifts

40% would choose DVDs, computer games and books

37% would go for clothes, shoes and accessories

29% would be buying home electronics

29% plan to buy personal gadgets

28% would choose cosmetics and perfumes

22% are expected to buy toys

22% are ready to buy furniture and household items

13% show interest in buying alcohol

While 8% plan to buy food items

Merchants have already started preparing their online stores and regular stores for the big shopping day. Amazon is offering a 13 day sale, which would end on Friday, November 25th. If you are not in a hurry to buy things now then wait for the Black Friday sale to get the best stuff at the least prices.

About the Author: Shay Ramani is a financial analyst at UK’s leading price comparison website

FreePriceCompare.com

. He suggests all Brits to check

daily deals website

before hitting the high street for Christmas Shopping. Normally, he writes on personal finance and travel but he never restricts his pen for lifestyle and health tips.

Source:

isnare.com

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byAlma Abell

Roofing problems require immediate attention to minimize damage from water leaks. No matter what type of roof system is installed, locating a professional roofer in Fort Wayne, Indiana, is key to getting a fast, quality repair. When any roof damage is suspected, a roofing professional will inspect the roof and make recommendations for needed repairs.

Professional roofing contractors universally recommend regular inspections and maintenance to head off leaks. Water is the enemy, and keeping it out of a home or commercial building is a must. By taking care of problems early, property owners can reduce the need for costly repairs later. Regular inspections by trained professionals spot problems that are not visible from the ground, especially damage to flashings around openings in the roof.

A quality roofer in Fort Wayne, Indiana, will provide emergency service to handle issues that arise outside of normal business hours. Storms don’t wait for a contractor who only works from nine to five on weekdays. They occur at all hours of the day or night, and roof damage must be dealt with quickly to keep water from damaging insulation, interior walls or ceilings.

All roofing products, both residential and commercial, have limited lifespans. When those roofing systems need more than simple maintenance or minor repairs, area roofing experts like Sirceyroofing.com consult with property owners to determine which type of roofing material best suits their needs. Residential property owners routinely select from a variety of shingle, slate, tile and metal roofing materials. Each of the available materials has distinct advantages, and making choices without considering the pros and cons of each is not advised.

Commercial roofing systems offer even more options for area building owners. In the past, built-up roofing was used extensively, and it may still be the best option for many building owners. However, newer roofing products are now available that require less maintenance and last longer. Roofing experts can explain the various options and how they can affect both short and long term finances.

Roofing systems are complex, but routine inspections and maintenance will keep any roofing system leak free for years. Area roofing contractors will work with building owners to set up a regular maintenance schedule to reduce the likelihood of leaks and perform routine maintenance. They will also provide help fast if hail, wind or ice damage should occur.

By Robbie T. James

When one things of auto financing, one image that comes to mind is a world of wheeler-and-dealers who are always trying to get the better of the borrowers that come to them for a car loan. One reason for this slightly negative image is that there is no guarantee that you will get approved or that you will be offered a certain rate. Rather, it is up to each lender as to just what type of deal they will offer you on a car loan.

If you were to take a look behind closed doors within an auto dealer’s financing office or that of a bank’s loan manager, you may be surprised to learn that there is a method to their madness. In other words, they are not just taking your application, putting their hand into a hat full of different loan deals, and pulling one out for you.

Rather, there is a surprisingly predictable formula to the way a loan deal is prepared and offered to you when you visit an auto financing company. Obviously, your credit score plays a very big role in it. But, so do things like your employment history, your residential history, and even the way you present yourself in person.

If you have bad credit, you may have had some unpleasant experiences in dealing with auto financing companies. Namely, your car loan application may have been rejected on one or more occasions. Or, maybe you just were not able to qualify for a good loan.

No worries. Here are 5 steps to getting funded (at a reasonable rate) the next time you look for good auto financing companies:

1. Shop for a car in a reasonable price range:

Start by shopping for and choosing a car that is in a price range that makes sense, given your credit situation. You may be tempted to choose the very best car on the lot, but that would be a mistake. Someday soon, no doubt, that super-expensive car, SUV or truck will surely be yours. But, for now, it is time to be realistic about what you can reasonably afford. A smaller loan will mean much better chances of your loan getting funded.

2. Understand how bad credit auto financing companies think:

While 98% of car financing companies focus mainly on the borrower’s credit score as the basis for their lending decisions, about 2% of the companies out there actually look to do business with bad credit individuals. They have built a nice little business on catering to the credit-challenged. These companies look past your credit score and instead consider your situation as a whole when making a decision.

3. Run a credit check on yourself:

This may sound strange, but you will benefit greatly from doing running your own report. Find out your score with all 3 of the top 3 bureaus (since it will vary from one to the next). And, be sure to protest any errors you find on any one of your reports. They are obligated by law to fix them.

4. Take the time to build a healthy list of lenders:

In this case, “healthy” list means 5-7 lenders. Sound like a pain to do that much research? Just think: spending an extra 20-30 minutes doing your homework now could save you thousands in lower interest payments over the life of your loan.

5. Follow through with applying to five or more lenders:

Now, make sure you actually apply to all of the lenders on your final shortlist; be sure you apply to five, at minimum. You never know: the fifth one you talk to may be the one that offers you a 1-2% lower interest rate. That’s money in the bank for you.

Follow these 5 steps to finding the right auto finance company and getting funded.

About the Author: Get a list of the lowest rate car financing lenders in your area at:

Best Car Financing Deals

.

Source:

isnare.com

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By Lew Nason

During the past 26 years my son Jeremy and I have had the distinct pleasure of helping hundreds of insurance agents, financial advisors and financial planners to go to the very, very top of the industry in life insurance and annuity sales. What follows is the recent success story of one of those people. Phil Calandra came 3 years ago to us after first attending the Missed Fortune TEAM Training, because he was struggling to make their system work. Here is his story, as he tells it

How Do You Earn Half-a-Million Dollars During Your First Year as a Financial Advisor?

By Phil Calandra, RFC

Hardly a week goes by without another financial planner, financial advisor or insurance agent asking me how I made half-a-million dollars during my first year of practice. Or, theyll ask how I earned close to a million dollars during my second year of work helping clients. I am going to tell you my true story. But, for me, the important story is how many people I have helped, not how much money I have made. It is all about how I helped my valued clients to earn more, achieve more, and advance toward their financial goals and objectives. That is the big picture and that is my priority. Assisting clients in resolving their money concerns that is what financial planning is all about for me.

Countless numbers of people have also asked me how I made MDRT during my first eight months in the life and annuity arena. Or, they ask how I made MDRT Top of the Table during my first full-year in the business. I am going to tell you what I did, plus what I didnt do, to achieve such a high level of success, so quickly. If you are serious about having a similar rewarding career as an advisor, then I urge you to get more serious with what you are doing.

When I decided to leave the corporate world in 2005, I departed a fat six-figure position with lots of perks and status. I wanted to help others in a very meaningful way. I wanted more servant leadership in my life. I did not want to push products and services onto trusting people. I no longer wanted to serve an ultimate objective that dictated: How much more can we get out of this customer?

For my lifes work I needed something far more different, something more satisfying, where I could be of real positive benefit and enjoy lasting personal relationships. Money was not the deciding factor for me. My successful experience was in corporate finance. I worked with many of the Fortune 500 companies in the USA. I traveled extensively and interacted with CEO types and top executives. But, I found myself longing for kitchen table type meetings where my skills could help real people. Middle class American citizens are largely ignored or exploited by our corporations, institutions, and organizations of all types. Our average American citizen is even exploited by our city, county, state and federal governments. Yet, they are the most important element of our society. They play by the rules but only keep getting shafted more-and-more. They and their children deserve much better treatment. I wanted to serve them, truly help them, and assist them in protecting the financial worth and improving their financial futures.

Later, when I became a financial advisor I did not target the super wealthy. And I never expected to make so much money from work that I dearly love. Every morning I rush to the office, happy, and eager for another good day of meeting wonderful people (both clients and prospects). My real sense of satisfaction comes when the client is pleased and sees the results they need.

I Invested In Myself

From the beginning, the one thing I knew I would have to do is invest in myself. The school of hard knocks would take too long to create and replace my existing lifestyle and income. So, I started seeking out training from the very best in the industry. I easily spent $15,000 on coaching and training materials in my first year. I went to Missed Fortune TEAM training (before I even had a license), the MoneyTrax Mentoring Program, and I purchased every life insurance and annuity marketing and sales program developed by Lew and Jeremy Nason at the Insurance Pro Shop. Lew Nason became one of my first real coaches, my mentor and a dear friend.

What Lew stressed is you must learn two things to be successful. 1. You are in the marketing business. 2. You are in the financial advice business, in that order. If you dont have the right people to see, you cant make it. Marketing is the key to always being in front of the right prospects.

And, if you want to make the kind of money that less than 1% of the advisors make, then you have to do what most arent doing. What many advisors are not doing is Doing what is right. If you put the client first and take care of solving their issues and concerns, your success will follow.

The most important task we all have, both in our business and personal lives, is to build true relationships. What is a true relationship? Well, it can be described in a number of ways. I believe it is a connection between two people that is sincere, uplifting, joyful, and continuously strengthened by trust and empathy. To build true relationships you must work at this connection and live by the premise: It is better to give, than to receive.

In our business, people buy from people they like and trust. You must understand the importance, right now, of expressing and giving of yourself to other people. Whether it is in your business life or your personal life, the customer or person you are trying to build a true relationship with, has to feel appreciated and loved. It is simply the Law of Attraction. When you give out, you will get back, eventually. Coach Lew told me early on: People dont care how much you know, until they know how much you care.

Prior to joining the ranks of the self-employed, I was a student of the great motivators and an avid reader of success literature. That universal law and truth has been taught for centuries. I remember my coaching calls with Lew recounting the great Napoleon Hill: What man can conceive and believe, he can achieve. What have you read lately? It is important to feed your mind and build your skills, so you are sharp for every opportunity to help your prospective client. And, as the legendary speaker and author Charlie Tremendous Jones puts it; You are the same today as you will be in five years except for two things: the people you meet and the books you read.

When I started I did not have a Project 100, I did not call my family, friends and acquaintances. I did not pitch one single corporate manager or executive that I had been in boardrooms with previously. I knew my strengths and weaknesses. I was an accomplished presenter and public speaker. The dinner seminar was my natural marketing method. Now, I was fortunate to have enough start-up capital to jump right into the business this way. However, you CAN do it without a bankroll or rich spouse, if you learn how to properly use Joint Ventures, Free Educational Workshops, Free Reports and other proven marketing methods to consistently attract the right prospects to you. If you want to reach the top, use your resources wisely and get going Start small, be consistent, and never quit.

I was told by Mr. Calmen Mendel, one of the all time great Northwestern Mutual agents, This is the poorest paying easy work I would ever do. It is tough, but the people in your community, no matter what niche you plan on serving, need you. The financial well being of our country is in a fragile state. We are in a recession proof industry and people need real solutions. Identify the niche you want to serve and become an expert at marketing and consulting to that group. The dinner seminar was key to me getting off to a fast start. I used every seminar mail company out there. The folks at Response Mail Express (Jennifer Lowery) and Seminar Crowds (Clyde Cleveland and Susie Zolo) taught my assistant and I the basics. We then made every mistake possible. But we stayed with it. I have now created multiple seminar presentations, and my assistant Jennifer will tell you, I am changing things constantly.

Once again, I learned everything I could from the top producers. Take the time and invest in yourself. Some of the best in our business are: Don Blanton, Karlan Tucker, Craig Randall, and Lew Nason. Listen and learn from them and then fit things to your persona.

Are you sending out client newsletters? Do you have a complete follow-up system for every aspect of your practice? Are you sending out greeting cards, birthday and anniversary cards? Do you have an assistant and staff to strengthen your capabilities? These are all things I learned and figured out from day one that you must do. You must pay attention to detail and give your very best to your clients, prospects and community. Take the time to train and develop yourself and the staff around you.

In future articles, I will share with you specific things to do immediately. They are the activities and things I did and still do, that have taken me to the top of the industry.

Phil Calandra, RFC is President of Pinnacle Financial Services in Kennesaw (An Atlanta suburb), Georgia. He has been recognized by the International Association of Registered Financial Consultants, as ” One of our industry’s best and brightest. Calandra makes us all proud!”

Is there any question that Phil Calandra exemplifies the very best in our industry? Its a pleasure to help someone who is so dedicated to helping others.

About the Author: Claim your free Report “How to Attract & Sell Your Perfect Prospects” at

FastInsuranceSales.com

Where you’ll learn how to make 6-figures a year in insurance.

Source:

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By Tellman H. Knudson

Did you have only a few friends when growing up with ADD? If you’re an ADD parent, does the lack of social ability in your child just tear you apart? It’s true that no children have social skills until they’re taught, but did you know that 60% of all people with ADD will never have the ability to get along well in society?

The issue isn’t gender based, either. ADD boys and girls have equal difficulty in being part of a group. However, boys will not agonize over losing a friend like a girl will and they will think that more people like them than really do. Girls fail to recognize that they lose friends because of their tendency to be bossy and controlling, and can even fall into depression when things like this happen.

One huge factor in the ADD person’s problem with society is that they don’t think before acting. They’re impulsive. Even when they’ve thought about the consequences of an action, they still can’t stop themselves in some instances. They lack the little voice inside their head that says, “If you do this, it will hurt someone.” There’s no “superego,” as Freud termed it. Even when they recognize that there will be a problem, they can’t seem to regulate their behavior. Some can’t even see the cause and effect.

What makes this happen?

Part of normal childhood education is learning to react to social cues like facial expressions, body language, and tone of voice. But recognizing the subtle cues isn’t something that ADD people can do. They can’t see the cause and effect of their own behavior, these nuances of behavior in others are just out of their realm of understanding.

Both children and adults with ADD can strengthen these behaviors when in social situations if they:

*Smile and greet other people

*Listen to other people who are talking.

*Apologize when they realize that someone else is hurt by something they said or did.

*Give others compliments.

*Show other people that they’re interested in them by asking questions.

*Say thank you and show that you mean it.

*Avoid rambling when in conversation.

*Wait to talk until the other person has finished.

*Look people in the eye.

Be sure to give your ADD child direction in these areas, and if you’re an ADD adult, then try to remember these points yourself. Try to be affable and flexible. It’s hard for some people with ADD, but getting people to like you isn’t that hard. If you have an ADD child, realize that your example is all-important. If you’re having trouble getting along with people, they probably will, too.

Work on promoting a higher awareness of other people’s body cues and the tone of their voice. Make your child realize that when someone’s frowning, they aren’t happy and see if they can understand why. Then, make them apply changes to ease the situation. You’ll have to be vigilant and to repeat the process over and over again, but the outcome will be a happier adult, especially if your child is one of the many who carries ADD throughout his or her life.

About the Author: Tellman Knudson is CEO of Overcome Everything, Inc. and a certified hypnotherapist and NLP practitioner. If you think you might have ADD, take the ADD test at

InstantADDSuccess.com. Source: isnare.com

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By Susan Willis

When you already have an insurance policy for one car, it is easy to add a second car to the same policy. When you do, you will need to know how to accomplish this in a way that gets you the best deal.

Owning Two Cars: How Your Insurance Company Sees You?

When you own two or more cars, how your insurance company views you depends on how you will be registering the cars with them. There are two primary patterns for how this can be arranged:

a. Both cars are listed under your name as the primary driver.

b. One car is listed under your name as the primary driver, while the other car is listed under the name of someone else in your household, such as your spouse or teenage child.

In the first situation, your insurance company (correctly) assumes that you can only drive one car at a time. In that sense, in terms of the total risk that you represent to the insurance company, the risk to them is about the same whether you own one or two cars.

However, in the second situation, your insurance company knows that the two drivers in your household could easily (and probably will be) driving those cars independently. Therefore, the risk to them is about double when the second car is added to the policy.

Why Insuring Two Cars Is Cheaper?

When both cars are under your name as the primary driver, you may be surprised as to the type of deal you can get on your new insurance. In fact, your insurance payments may not go up almost at all by adding the second car. (Of course, this may not be the case if your second car is deemed a high-risk automobile, such as a sports car.)

On the other hand, when the second car is listed on your policy under the name of someone else in your household, your rates could double – again, depending on their driving history, the type of car and other factors. In any event, when you add a second car, you will want to get the cheapest-possible rate on your car insurance.

3 Tips For Getting The Cheapest Car Insurance: Both Cars Under One Policy

Here are 3 tips for getting the best rate when adding a second car to your policy:

1. Collect important vehicle information for both cars and write it down: To get the cheapest rate, you will need to do some shopping around. Start the process by writing down the VIN (vehicle ID number, found on the dashboard by looking through the front windshield), make, model, and license number of both cars. Have them ready, as you will need to refer to them many times.

2. Create a list of at least 3 insurance companies apart from your current insurer: It will be tempting to just ask your current insurance company for a quote: resist the temptation. By spending just an extra hour or so of your time, you can get three quotes from three companies. You may be surprised at how much they can vary.

3. Make sure to get comparable quotes: When calling around, be sure that you ask for identical types of coverage (collision, medical payments, liability, etc.) and with the same coverage limits when calling each company. That way, you can get comparable quotes to see who has the lowest rate.

Follow these 3 tips to find the cheapest car insurance for adding both cars to one policy.

About the Author: For more tips on how to get the cheapest insurance rates, check out:

Cheapest Car Insurance Tips

.

Source:

isnare.com

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By Wade Robins

When you go bankrupt life for attaining credit is very difficult. Many companies are wary of loaning money, or even allowing you to open a bank account on the basis of your bankruptcy. You will need to search for a bank that will allow you to open a new bank account. The bank may impose conditions and limits for this bank account. They may limit the amount of money you are allowed to withdraw and state that you need to keep a certain amount in the account to avoid fees.

The bank will check your credit and find the bankruptcy. It is a good idea to tell them you have had a bankruptcy so there are not surprises and they are more inclined to help you. It may take three or more years for you to be eligible for loans. You do not want to jeopardize this new start by overdrawing the account or bouncing the check. With the bank systems in place today it is very easy for the bank to monitor your account and they may close your account if you mishandle funds.

Paypal will also allow you to open a savings account if you are having trouble finding a bank to work with. Paypal allows you to pay bills online as well as shop online so you can use it as a bank account until you reestablish credit.

Assets after a bankruptcy are usually limited. You probably dont have a lot of money to put into savings, but as long as you have steady employment you will be able to reestablish credit. You home is another asset. The courts cannot take away your home unless you have been foreclosed. In the event of a foreclosure you will probably be renting until you can establish your credit. Depending on the chapter of bankruptcy you may have been able to convert some asset into a home that courts cannot take away. For instance if you are a truck driver you can turn that asset into a home rather than loose the truck. Of course if you are still using the truck for your job you may be able to keep it under transportation for your employment. For more info see

filingpersonalbankruptcyhelp.com/Student_Loan_Banruptcy/

on Student Loan Banruptcy.

Bankruptcy will create stress and a little havoc in your life during the process, but it can be the solution you need to gain a new start. A lot of people facing bankruptcy have lost their jobs, lost assets from rental properties, or even had a medical problem causing them to mortgage all their assets. To have a life after bankruptcy you may have to have a job that is below your education and be forced to abide by banks rules, but you can reestablish your life after a time.

About the Author: You can also find more info on

Chapter 11 Bankruptcy

and

Personal Bankruptcy

.

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