8 Steps to Long Term Investing

1. Get your finances in order and determine how much you can comfortably afford to invest on a monthly basis in order to benefit from compound interest and dollar cost averaging. Look at where you can save money on your daily expenses in order to increase the amount you invest on a monthly basis.

2. Determine which countries, industry sectors or commodities you feel will benefit from long term growth and wealth creation.

3. First look for index funds or exchange traded funds (ETFs) which track the countries, industry sector or commodities of your choice. If you cannot find index funds or ETFs to track the markets of your choice, you can then look at mutual funds.

4. Check the total expenses ratio (TER), the 5-10 year performance and whether you can invest these funds in tax efficient vehicles such as Individual Savings Allowance (ISAs), Self Invested Personal Pension (SIPPs) or Individual Retirement Account (IRA).

5. Open an Investment Account with an investment broker of your choice making sure you can invest in tax efficient vehicles via your investment account.

6. Discuss your investment objectives and obtain financial advice from your financial adviser.

7. Decide how you want to allocate your monthly investment. Asset allocation involves spreading your risks across assets that are not correlated such as equities, commodities and bonds.

8. Review your portfolio every 3-6months to monitor and adjust your investments according to the volatility of your portfolio and your age. The closer you are to retirement age; you should have the majority of your investments in safe assets such as bonds and treasury bills.

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SR-22 Auto Insurance in Oregon – Finding Cheap Oregon SR-22 Car Insurance Rates

If you need to know how to find SR-22 auto insurance in Oregon, you must first understand what it is and why it is required. First we will define SR-22 insurance and then explain some of your options for obtaining SR-22 auto insurance in Oregon.

Oregon SR-22 Auto Insurance Defined

Oregon SR-22 auto insurance is also commonly referred to as a certificate of financial responsibility, or Oregon high risk car insurance. In fact, it’s really a form, not insurance, although you will hear it referred to in this way. Typically SR-22 “insurance” will be required after the following occurs: a DUI, refusal of a breathalyzer when a DUI is suspected, multiple at-fault accidents or other reckless tickets, or when a lapse of insurance is found after an at-fault accident.

The SR-22 form provides a guarantee of insurance by the company you have purchased it from. This supplies the DMV with the guarantee that even though you are a high risk driver, you at least carry the state mandated minimum limits of coverage. Further, it is essential that you do not allow this type of policy to lapse. The insurance companies are required to immediately notify the DMV if it does lapse, and the DMV will immediately suspend your license until the insurance is reinstated.

Where To Look For SR-22 Oregon Car Insurance Rates

The state of Oregon does not require every insurance company to offer high risk insurance. By offering the SR-22 coverage, the insurance company essentially is insuring a high risk driver. However, most companies do offer this coverage at a price.

To find SR-22 auto or high risk OR car insurance, first check with your current insurance company to see if they can file it for you. If your company does not offer that service or you do not have current insurance, time to start your comparison search!

How To Find Cheap SR-22 Auto Insurance In Oregon

Finding SR-22 auto insurance in Oregon is easy with just a click of your mouse. No need to worry, comparing Oregon car insurance rates from top companies against each other is an easy way to find a cheap rate and still get the coverage that you need.


Legal Financing: New Niche for Financial Services

How to finance a lawsuit is not common knowledge among the general populace, much
less among the legal field as a whole.
Pre-settlement lawsuit financing is a relatively new phenomenon in the financial services
sector that is a little over six years old. Basically if a lawyer has a case brought to his
firm and upon initial review determines it has strong merit – he will then need time and
money to develop and “flesh out” certain basic facts. This phase, called the “discovery
period” can last several months to several years depending on the complexities involved.

If the firm’s financial resources cannot sustain this expense, there are funding sources
that will advance the necessary capital. They specialize in finding cases that have a strong
likelihood of being winners and have an in-house staff of attorney’s that review such cases. Once the law firm is confirmed as a valid risk by the funding source, money is
advanced, normally in stages up to an agreed-upon limit. A lien or legal claim is then
created so that upon settlement the principal and fees are dispersed to the funder. In the
event the case is lost; most funders have no recourse – so obviously their legal team will
look with hawk eyes to the merits of the case.

Another recently created niche in this arena is personal injury lawsuit financing, also
called pre-settlement legal financing. Look in any major yellow pages under attorneys
and personal injury law firms will predominate. Many people who have sustained an
injury – be it in an automobile accident or slip and fall, etc. – cannot because of their
condition continue to work. Their lawyers can fund items directly related to the case but
cannot directly give personal advances to their clients in most states because doing so would be a conflict of interest.

The same basic procedure applies here in that these funders have lawyers in-house that
are familiar with these cases and can determine the odds of a winner fairly quickly. The
injured parties are advanced money that allows them to pay their bills and survive until a settlement is reached. For most people in this situation, going up against an insurance company means deep pockets and lots of patience.

An important point should be noted here – these funds are not loans. A loan normally has a well defined payback schedule, usually on a monthly basis and there is an agreed upon date for final payment. The correct term is called an advance and the fees are based on the amount of risk involved. A case could conceivably run from several months to several years – there are no hard and fast rules. The advance has no “up front” fees or monthly payments due and again if the case is lost the client is under no obligation of repayment.

For the reasons just stated, these funds are priced according to the risk involved. However, for many people who have run out of resources, this does give them staying power to go up against deep pockets and very possibly receive a larger settlement. The lawyer may also be helped by not having to settle quickly.

Some have expressed concern that this type of service will lead to a further growth of litigation and “frivolous” lawsuits. Actually the opposite is true. Attorneys for the funders
must judge each case with very clear eyes or they stand to lose not only all money advanced but possibly their own jobs. They act as a kind of sifting mechanism separating the wheat from the chaff.

This service is not for everyone – however for attorneys that come up against massive pre-trial expenses and for their clients that have no other way of sustenance until a settlement is reached pre-settlement funding does offer a viable alternative.


Creating a Facebook Business Page

If you’re a small business or company looking to promote your services or products, then why not create a Facebook business page?

Facebook is one of the top, leading social networking sites used daily by people from all over the world. With over a million users, Facebook has become a source for advertising, news and socializing.

Setting up a business page couldn’t be simpler. If you don’t have a Facebook account, create one. Follow the simple steps on the homepage and you’ll have an account in no time. Once logged into your account, head for the admin panel. This is found in the top right. Click the last button to the right and scroll down to create page. Once here, select a template for your page, click on it. Now you’re ready to create a Facebook business page.

When setting up a business Facebook page, provide a brief overview of information. Explain who you are along with services or products you supply. Uploading pictures to your Facebook business page will assist in promoting your business.

If you offer more than one product and service, you can create multiple Facebook business pages or adverts. See Facebook terms and conditions or go to the help menu for online support and FAQ’s.

Once the basics for creating a business Facebook page have been mastered, there are advanced learning opportunities available. These however do require a daily fee. For this, you are offered a month of telephone support, customized solutions for your Facebook business page. Developer tools provide information on how to attract more customers using your apps. Marketing advice provides tips and inspiration through a number of success stories.

Once your page is complete and ready, publish it. Use the social plugin buttons to invite your friends and family to like your page. This will aid in attracting more visitors.

Add a social plugin for your business on Facebook to monthly newsletters, business cards and emails.

Upload a picture of your company logo to use as your profile picture.

Having a Facebook business page provides a new way to reach clients, and build on relationships with both new and existing customers.

Although Facebook is a good source in reaching new clients, business on Facebook is more effective and beneficial when used alongside a variety of social channels. Host events, meeting with clients can be considered as other social channels. It is unadvisable to consider a sole Facebook based business.

Once your Facebook business is up and running, it is important to post new content on a regular basis. The recommended update is at least once each week. If you are a company, with a high turnaround on products, then you can opt to update more often.

Some companies, who are already established on Facebook, often nominate a member of staff to update social media networks at regular intervals throughout the working week. The more updates, the more chance of receiving new clients.

In creating a business page, you are more likely to achieve your business goals.