Author Archive: Orlando Wicker

FAQS About Making PPI Claims


Payment protection plan (PPI) was meant to cover you in case you were unable to repay back your loan installments. This insurance cover could cover installments for more than one year. Unfortunately, fully aware that a huge number of borrowers were not aware of this fact, banks opted to sell them to other parties with an objective of making money. You might also have been forced to buy another PPI despite having an active one, which is illegal. That said, you could now claim the entire amount of PPI you spent on insurance premiums by making a claim.

Common concerns when making PPI claimssdcsdvSvSD

In case you are convinced that your PPI was sold without your consent, you might be planning to present your  claim. Unfortunately, most people do not know that they can get back those claims. Here are some common concerns from individuals contemplating on whether or not to make these claims.

How do I if my PPI have been mis-sold?

Most people are not aware whether they have PPIs or whether they have multiple PPI policies. If you are among the many that have mis sold PPIs, visit a ppi claims company to know where you stand. A PPI claims company can help you get compensation for mis sold PPI or find PPI policies you did not know about. This implies that you will get a larger refund without even breaking a sweat.

How much compensation will I receive?

The amount of compensation given is not uniform. Depending on the amount and number of PPI policies, PPI can add between 13-56% to your loan repayments. Besides the money you have been paying, you are entitled to any additional interest. If you are still making payments, your loan amount will be reduced by the amount of the policy. If you have settled your loan, you will receive the full settlement in cash.

How long will it take?

sdfcDSDcDThere is not definite time on how long it takes to process your PPI claim. Some claims can be settled in a matter of weeks whereas other can take much longer. The good thing is that the wait time can be reduced by working with a PPI claims company.

Why should I use a PPI claims company?

The primary reason the services of a PPI claims company are needed is that most people know nothing or very little about these claims. Only a trained claims handler can find all your PPI policies to ensure you receive maximum payment. They also make the whole process easy and fast.

How To Manage Finances While On Music Show Tour

information note stick to the door

Musicians can make a lot of money once they successfully plan a music show tour. More so, if their music rocks the world, all the theaters and stadiums they hit will fill to the doors. On the other hand, such shows can be a money eating projects if finances are not regulated well. Therefore, there are various things one can consider to make sure that money is not misused.

How to manage finances while on a music show tour

Making a budget

jgghjghjhgjghjghjhgjIf you have good event managers and coordinators, then making a budget for your music show expenses will not be a hassle. A budget helps people to anticipate the profit margins of the event and avoid getting losses. If there is an anticipation of shortfalls in the event, then some measures can be taken to reduce their chances. Most importantly, a budget will give a transparent picture of the expenses that will be incurred during the whole tour.

Have an accountant all through

It is better to incur the cost of contracting a short term accountant that losing a lot of money through various loopholes. An accountant helps to regulate the money as per the budget and help to track all the records for future review. While they may not be the custodians or the ones approving the money, these professionals help to regulate financial matters are handled. Their presence in the organizing team will be of help to the whole project.

Set control measures

Due to various financial challenges the tour is bound to get, sitting of control measures particularly on the expenditure is very crucial. Another area which requires tight measures is the regulation of the tickets. Most frauds occur in this area, and the executive team must ensure that all methods used can guarantee accountability. During such tours, the beneficiaries of the revenue are usually many, and thus, no money should get lost before they all get their share.

Avoid use of cash

gfhfhgfhfghfggfhWhether it is during ticket collection or expenditure, use of cashless means is better in terms of control measure. Most of the tickets can be sold through online platforms or any other methods that do not involve cash. If cash method has to be used the money should be banked immediately.

Use of the above financial management tips will allow the musicians to get profits as well as the other parties involved. Furthermore, it will avoid crushing of events which can lead to disappointment and bad brand reputation.

How to succeed as an insurance agent

Insurance is one of the largest business sectors in the world today. It has been growing, and now you will find it in every country, city, and town at some level. Many people consider the industry very profitable, but it is important to keep in mind that you cannot just sit back and do nothing and expect the customers and money to come to you. Here are a few tips that can help you reach your goals as an insurance agent.

Gather contactsctgrkem

If you want to grow your business as an insurance agent, you will need customers. There are a number of ways to get customers, and they include social media, face to face contact, telemarketing, sending out brochures and reaching out to your family and friends. When you have a lot of leads, the chances of you converting them into clients are better.

Make appointments

When you have a number of leads, you should start by giving them a call and introducing yourself first. You can ask if it is possible to meet up with them for a presentation. However, before you contact them, make sure you do some background research on the individual so that you will know which type of coverage would be useful and ideal for them.

The meeting

When you meet with a client for the first time, it is crucial that you explain everything to them. Many insurance agents get it wrong because they forget to tell the clients important information like the exclusions in the policy. Avoiding a clear explanation can result in an unhappy customer in case a claim is refused due to a misunderstanding.

Offer the right product

kjgblkjvfInsurance policies can often be tailored to suit a particular requirement; therefore, it is important that you listen to what the client wants before you go offering a product. Some life policies, for example, will also have an investment fund attached to it so that the policyholder will receive a sum of money after having paid for a particular period.

Customer service

Once you have got the business from the client, do not drop them like a hot cookie. Customers need continuous service, and the odd courtesy call will make them feel important and show that you care about their well-being. It is also crucial that the policyholders can contact you or your office when needed. To make this perfect, you can consider outsourcing your customer service to a BPO service provider that specializes in the insurance sector.

The Best Ways Of Getting Money Quickly

a lady showing her cash

Most are the times when people feel that they cannot get any cash due to poor credit, lack of cash or simply because they are already indebted. Such a situation could even hold you back. However, you don’t have to worry if you are among those people who need some quick cash since some lenders can assist you to get out of the financial crisis.

These individuals will lend you money without having to consider your credit score or even your ratio of debt to income. The following process will be beneficial to you when you are applying for a loan.

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The main advantage with these lenders is that they will tell you exactly what their terms are about. They will disclose to you on the amount of interest and any other fee associated with their loans. The information provided is very valuable as it enables you to compare the different lenders and finally get a better deal. You end up paying the least amount of interest on the amount of money borrowed.

You should always check on the lender’s reputation before applying for a loan. Some legitimate lenders are willing to help their customers from the different types of situations. You need to be very careful to avoid getting into the hands of scams. Such scams are likely to demand money to process your personal loan.

Simple process

Everyone is eligible to apply for a personal louytfglkijhgkjjjan even with poor credit score. Again you can apply for this loan at any time of the day being during the day or at night. Once your loan is approved, it can be sent to your account electronically. You just need to walk to the lender and leave with the cash. The loan application process involves is very simple. In this process, one does not have to fill in so many documents like the ones found in banks. Again, you do not have to wait for extended periods of time for the loan to be processed?

Money lending terms and conditions

Your contact details and the personal information is required by the lenders before they can process your loan. The borrower is also expected to read the lender’s terms before borrowing the money. Some Lenders give loans to those people who are employed while others accept applications even from the self-employed people. Once your loan is approved, you are expected to repay the loan borrowed together with the assigned interest.s

Teaching Kids On How Save Money

balance of money and food illustration

It is not very difficult to impart money-saving habits to your kids. One just needs to use the appropriate tricks and tools when teaching money-saving tips to his or her kids. This process should be made fun as possible to attract the kid’s attention. There are different effective methods or ways of spicing up money-related conversations with these tiny kids. You can try to create thrill and creativity to help your kids in understanding and knowing the value of their money.

These are some of the simple ways that can be employed by parents in cultivating smart money saving habits to their kids.

Practising procrastinationjgfvkihgbkjghbkj

You should avoid buying your kids everything that they desire or demand. If you buy them everything, then they might tend to think that everything comes so easily and is readily available to anyone even without working for it. There is no truth in it as nothing comes some easily. An effort is must be made to get something.


You should, therefore, train your kids from the age of 3 to five years that saving money is the best and the only way of buying something that they might need. Try as much as possible to avoid preaching to them the practice of impulse buying.

Giving them incentives

You can reward your kid for his or her money-saving endeavors since it might be difficult for them to save money. They should, therefore, be given prices once they save some considerable amount of cash. This would go a long way in motivating them to save more and more.

They should be rewarded after some period. Parents need to be innovative when selecting the benchmarks for rewarding their kids. For instance, you can reward them handsomely once they manage to save money for an extended period. Such rewards can be something that motivates or interests your children in saving more money.

Opening a savings account of your kid

This can be practiced at a later stage once the kids have learned how to save some significant amount of cash. It is mainly for those kids who can get a regular allowance from their savings. As a parent, you should come up with some reasons of giving your kid some allowance. Such allowances would help them in saving money in his or her account.

You should also encourage your kid to make regular deposits into their account. They can then be educated at a later stage on the various interest rates offered by banks. This can help them in deciding the best bank for them.