The Influence of Advertising..

Hello good people..
Welcome back to my blog!

Okay... Let's talk about The Influence of Advertising!

In my opinion, advertisements have both positive and negative impact but to reduce the negative impact, advertisement should be regulated. Government should have control on showing these advertisements. Products which are harmful should clearly show warning message while showing these advertisements.

Looking at the positive part, advertisements tell us about the products or the choices available in the market. Further more it creates a competitive market and helps the products price to be nominally priced. Secondly, it creates many job opportunities and employs many people, hence helps in reducing unemployment. Finally without advertisement we would have had very less choices of product to buy. Buying a good product with all the features we are looking for, would have been very difficult.

On the negative front, advertisement persuade us to buy thing even if we don't need them and making us to overspend. secondly, many advertisements are aimed on children who easily get carried away and insist parents to buy what they see in the advertisement. Finally many product, like cigarettes, which are not good for health are advertised as a high life style products and people, specially youngsters get carried away and get use to such harmful products.

I think if we can utilizing the ads nicely, we can get many benefits from it.
Like the example; Nowadays, many people use the social media to promote their product with creative advertisement. It has been proven that they get a lot of profit from these advertisement like that.

For the conclusions, if we using the advertisement as well as possible. We will also get a good result.

This is one example from McDonalds who create ads with a very creative idea and it can also entertain people with their ads..

Okay.. That's it!
Thank you for visiting my blog..

 

Cars and Loans..

Hello good people!
Welcome back to my blog.

Let's talk about cars and loans..

As i read earlier.. When you decide to buy a car, there are several options when it comes to getting a loan. You can check with several banks or other lenders to get a preapproval loan. Get that preapproval before you go to buy a car and take the with you when you go shopping. Having a loan offer in hand when you shop for the car puts you in a strong position. For most people, concentrating your applications in a short period of time can minimize the effect on your credit score. Any negative effect will be small while the benefits of shopping around could be big.

You shop around to get a good deal on your new car, so why wouldn’t you shop around for the loan to pay for it? Most people don’t. They go to the dealer without doing any homework.

I suggest you if you decide to loan a car, choose the shortest loan you can afford.
As cars have become more expensive, car loans have gotten longer. You can now finance that new set of wheels for less than 10 years. The longer term reduces the monthly payment, but it will also drive up your total cost.

Okay.. I think that's enough for this topic about the Cars and Loans.
I hope you enjoy...

Credit Cards..

Credit Cards can be used for the purchase of items now and payment of them later.

By using a credit cards can help us so much. But, there are also have disadvantages. Let's talk about the Advantages and Disadvantages of using a credit cards!

Advantages

• Simple, convenient and can be substituted for cash
• Convenient method of payment
• Holders can withdraw cash from any branch of major banks worldwide

Disadvantages:

•  It's easy to run up large debts
•  Interest charges
•  No interest-free period for cash advances
•  Credit card charges 

BOOM! That's all. You can choose wisely if you want to using a credit cards.

For addition, i want to give you a picture about credit cards. Just for fun!

 And.. The last but not least, THANK YOU!

Credit..

Credit (Finance) is the trust which allows one party to provide money or resources to another party where that second party does not reimburse the first party immediately (thereby generating a debt), but instead arranges either to repay or return those resources (or other materials of equal value) at a later date.

Credit does not necessarily require money. The credit concept can be applied in barter economies as well, based on the direct exchange of goods and services. However, in modern societies, credit is usually denominated by a unit of account. Unlike money, credit itself cannot act as a unit of account.

For addition.. Let's we're talking about the Advantages and Disadvantages of this topic!

 

 

Advantages:

• Able to buy needed items now
• Don't have to carry cash
• Creates a record of purchases
• More convenient than writing checks
• Consolidates bills into one payment

Disadvantages:

• Interest (higher cost of items)
• May require additional fees
• Financial difficulties may arise if one loses track of how much has been spent each month
• Increased impulse buying may occur 

Okay.. That's all! 

And... The last but not least... THANK YOU!

 

Banking Services..

Banking Services is the various ways in which a bank can help a customer. Such as operating accounts, making transfer, paying standing orders and selling foreign currency.

Although banks aren't the most beloved institutions out there, there's a ton of useful stuff we can do with a modern bank. Many people around the world are unbanked, meaning they don't have a bank account and that means they miss out on all sorts of conveniences that we, the banked, often take for granted.

For addition, i want to give you some simple tips about "How To Opening a Checking Account".

 How to Opening a Checking Account:

• Make sure you're eligible to open an account.
• Choose the bank that's the best for you.
• Pick the type of account you want.
• Visit your bank and ask for open an account.
• Ask important questions before you finalize your account.
• Supply the necessary information to create your account.
• And the last, keep the account documents you receive secure. 

And..... That's it! if you following the step How To Opening a Checking Account, you can already open a checking account, easily!

 

 And.. The last but not least.. THANK YOU!

 

Buying a Home..

Buying a Home is a major life milestone that requires some thoughtful planning
and know how. Students need to understand all aspects of the home buying
process, everything from mortgages and credit to financing and insurance.

For many, buying a home is the single most important financial decision they will make in their
lifetime. However, the process of becoming a first time home buyer can be overwhelming, and requires a
foundation for basic home-buying knowledge.

In some cases the letter can contain plans for the future changes of the size of the property, family history of owning a real estate or how the owner feels about the community surrounding the property. Even thought this requirement disobeys the Fair Housing Act, and in some cases is against the law, in many cases loan takes are not the ones to be questioned.

Useful tip: Use everything that you think that is logical to persuade the Bank that you will live at the property you buying. Well known reasons could include nicer neighborhood, more rooms, closer to school or work location, away from industry or farms. Typically, lender is not interested in your family situation as long as it not concerns you credit ability.

Living on Your Own..

Moving out and on your own is overwhelming, to say the least. For so many of us, it’s the first time we’d strayed from the comforts of mom and dad’s place, the warm beds with the sheets we’ve been sleeping on since we were preteens.

So although moving out and moving forward are terrifying, here are a few tools to make the transition a little bit easier.

Start budgeting

Chances are you have a job with a steady paycheck, and even if you don’t, I’m sure you have some other means of supplementing your income (we don’t have to discuss that here).

When your paycheck rolls in, figure out how you want to handle rent (since that will poke the biggest hole in your paycheck): you can either dedicate your whole paycheck to it, or take a little from each paycheck to cover the cost.

Deciding what you have to spend on the things you want will help give you a better idea of what you can spend.

Learn how to cook

Easy as it may be to login to Seamless and check off boxes on the menu of your choice online, you’re spending way more on meals a week than you would by just dragging your butt to the grocery store on your way home from the office.

Ask friends to cook with you (sometimes it’s better to learn in groups!), print out a few easy-to-follow step by step recipes or ask your mom or dad for easy to prep tips and tricks that won’t stress you out on week nights or screw with your food budget.

 

In addition, i want to give you "Living On Your Own: Expectaions Vs. Reality."

Living On Your Own: Expectations Vs Reality

1. Expectation: You can be naked all the time and it will be so liberating.

    Reality: It turns out being naked all the time is just cold and dangerous.

2. Expectation: You never have to wait to shower.

    Reality: You never have to shower.

The Art of Budgeting..

Budget is a plan dividing your income among spending and saving.

Budgeting is an important component of financial success. It's not difficult to implement, and it's not just for people with limited funds.

Budgeting makes it easier for people with incomes and expenses of all sizes to make conscious decisions about how they'd prefer to allocate their money.

 

In addition to motivate, i want to give you a quote about the budgeting..
Wareen Buffet said, - "Do not save what is left after spending, but spend what is left after saving."

Making Money.

We all know what money is.

Money is a medium of exchange in the sense that we all agree to accept it in making transactions.

There are many ways for people to get money. One way most people get money is by earning it. 
Money can be made by earning it in different ways:

• Earn money by working
• Earn money from investments
• Earn money by investing in yourself (start a business)

They get paid for making goods or providing a service. These people are called workers.

In addition to motivate, i want to give you a quote about the making money.