Funeral Plans – A Matter of Life or Death

There are only two things certain in life: death and taxes. 

Despite this inevitability, though, millions of us still leave our finances to chance by avoiding the feelings of finality that the talk of death can bring. Indeed, surveys have shown that almost three quarters of over 50s have yet to make ANY plans for their funeral.

Sidestepping the issue, however, only serves to leave your family off-guard, both emotionally and financially, when it comes to organising a funeral service.

The very last thing anyone wants to do after bereavement is arrange transport, funeral music and flowers – and that’s before they’ve glanced at the list of costs involved.

Consequently, it pays to face up to the reality of your mortality now, giving you complete peace of mind that your funeral is covered, and avoiding a financial headache for your loved ones.

This is where a funeral plan is worth its weight in gold.

Of course, before you look around for a funeral plan, it’s important to realise there are many companies to choose from – but that doesn’t mean they’re all the same. 

The following services will all vary depending on what type of plan you opt for: 

• The funeral director
• Hearses and limousines
• The coffin 
• Crematorium costs 

Also, given that the average funeral now costs around £3,200 – with inflation on funerals running at around 7% the average cost of a funeral in 2020 will be more than £5,600 – sorting your funeral out at today’s prices means you could make significant savings as prices spiral.

A funeral plan offers easy funding options depending on how much you can afford to pay, and you get the funeral you want while relieving your family of the financial strain that a service can so often cause.

Finally, when you opt for a funeral plan, you can rest assured that your cash is protected and invested to ensure there will be sufficient funds available to carry out a funeral service that your loved ones will remember for all the right reasons.

How to Sell Your Business & Not Pay Commissions

What if you could eliminate the middleman when selling your business so that you take home all the value you can get? Many people who have sold business have had to part with a large chunk of cash when the sale is concluded: the middleman, the agent who finds a buyer, will demand a certain percentage as a means of payment. For Sale By Owner websites allow you to eliminate him. You are more involved in the sale of your business, but you will get a buyer faster and you will take all the cash home with you.

How FSFL websites work:

They are designed to give you the maximum exposure.

Once you find one that you think will do the job for you, you should register and become a member. You are faced with different pricing packages. The differences in pricing are determined by how long you want to list for. The shorter durations will ask for less but you have to pay again if by the time the listing period is over you don’t have a buyer. Larger amounts will buy you listings until your business is sold without ever having to pay a dime more.

• After you have selected a package, you go ahead and list your business. This includes a thorough description of the business as well as the relevant documentation. You should also include photos to show what your premises look like and the kind of equipment that you have. The more information that you have on the listing, the better. Make sure though that you don't display information that can be used by your competitors and the person who eventually buys your business will have a hard time.
• Your listing is then circulated to all the top websites in the country that attract people who are looking to buy business. In a short while, many more people will be able to see your business. Because the websites are created to attract targeted traffic, the people who will be looking at your website are serious prospects and this is what makes using FSFL websites a lot faster than any other way of selling a business.
• A prospect comes through and you can then get into the negotiations with them. You will get a quicker sale if you make a fair demand for selling price. You should have an expert value the business so that you avoid long negotiations.

Tips to help you sell faster

• Get all the necessary documentation ready. This includes your profit and loss books, your balance sheets, your stock position and any other documents that show the health of a business. Get a professional accountant to go back 2 financial years and collect all the necessary paperwork.
• Create a transition plan for the new owner. It helps them understand things faster and get the business going. Be detailed and explain even the little things.
• Let your employees know that they will be having a new owner. The earlier they know, the better. Get the new owner to meet them. Work to remove any anxiety they may have.

FSFL websites will work for you only if you have all the necessary information that a prospect needs to make a decision about your business so be prepared. To get more information on how to sell a business, go ahead and visit this website.

5 Financial Situations You Need to Be Prepared for after Retirement

One of the most important responsibilities that people have is planning financially for retirement. While people can spend decades saving and preparing for retirement, there are five financial situations in retirement that need to be factored in to any retirement preparation plan.

Medical Expenses

The first financial situation that can affect retired people are underestimated medical expenses. Retired individuals could spend hundreds of thousands of dollars during their retirement years on medications and unplanned medical procedures. As the cost of health insurance has continued to rise, and people are beginning to live a lot longer, this cost is likely to only increase considerably in the future.

Declining Home Value

A cost that affects a lot of retired individuals today is declining housing values. Many retirees have a long term plan that includes selling their home, downsizing, and living off the equity that they built over time. However, with housing prices declining all over the country, this may not longer be a reasonable plan. Retirees need to avoid relying on this equity for financial support as it could disappear at any time.

Lack of Social Security

Historically, Social Security payments were enough to provide most retirees with enough money to survive financially. Over the next few decades, the amount of retirees will continue to grow, and the amount of workers will not be available to support them all. This will lead to declining benefits.

Death of a Spouse

The fourth financial situation that you need to be prepared for is the death of your spouse. As emotionally straining as losing a spouse can be, it can also be financially challenging. The cost of a funeral can easily exceed $10,000 and those that lose their spouse could lose social security income as well as pension income, depending on the pension plan. Because of this, all people need to factor this in when preparing for retirement. In the case of a wrongful death due to medical malpractice or another issue, filing a lawsuit may be a good option. When hiring a wrongful death attorney in Sacramento residents will be guided through the legal process.

Support for Children

One of the most frequently underestimated expenses in retirement is the cost of still having to financially support children and grandchildren. Due to tougher job markets and rising costs of education, many grown children have to continue to live at home and accept financial support from their parents, even after the parents have moved on into retirement.

Five Different Types of Discounts and Coupon Codes That Seniors can Use to Save Money

Discount deals and digital coupon codes are becoming quite common nowadays.Doesn't matter if you are looking to dine out with your friends, or spend your vacations on a cruise, you will find a special deal or discount offer online, given that you are good at conducting a basic search at Google. However, digital coupons are mostly used by teenagers, who are good at using technologies like the Internet or smartphones.

But the notion that digital coupons are meant only for teenagers is totally wrong, because there are plenty of deals and discount coupons that can be of use for senior citizens, and in this post I will be sharing some of them. Let’s have a look.

Travel & Leisure

A big majority of people spend a big part of their lives in trying to earn and provide a better living to their families. As soon as someone steps into the adulthood, he/she is entrusted with the responsibility of taking care of their families. In a bid to provide their families with the best possible options as far as education, health, food, and entertainment is concerned.

If you are one of those retired fellows who have spent all their life in working day and night, it’s time to reward yourself with some quality time. For example, you can have the once in a lifetime experience by traveling on a luxury cruise with your partner, or simply visit a place that you’ve been yearning for all your life. You will find many special offers and deals being offered by cruise or traveling companies and you can avail some of these discounts to save big on traveling.

Health & Fitness Coupons

After pushing your mind and body to the limits for many years, maybe now it’s time to take a break and invest a little on yourself, especially on your health and fitness. Daily deals and coupon code websites have a plethora of discounts coming from fitness centers, gyms, yoga classes, spa, and massage centers. You will also find some great deals on food supplements or fitness equipment, and other health and fitness products.

Clothing & Apparels

Everybody loves shopping for new clothes and accessories, regardless of the age. And you can browse the Internet for discounts and coupon codes offered by clothing stores and designer brands. Most of these stores have a separate section for clothes and accessories for the elderly. In fact, you will find many online stores, dealing solely in clothing for seniors.

For Your Kids

For parents, spending on your kids is one of those very few expenditures that make you happy, even if they are old enough to earn for themselves. If you are looking to surprise your children or grandchildren with a birthday or Christmas gift, you can make the most of many different discounts being offered on gifts items or gadgets like smartphones or tablets.

Pet Supplies

Keeping pets have multiple benefits for senior citizens. They can give you some great company and save you from the awful feeling of loneliness. In case you are looking to get yourself a pet or looking to save big on your pet supplies, you can go online and find hundreds of discounts on everything from pet toys to all sorts of pet merchandise in next to no time.

About the Author: This is a guest contribution by Natasha Mesty. She suggests SelectAware for finding some great deals and discounts like Overnight Prints coupon. These coupon codes and discounts will let you save big on your home or office purchases.

Get the Latest Car Insurance Policies from Santam

The automobile was one of the best inventions created by man; however one thing that we as automobile lovers don’t like is the automotive insurance that is required to own one. Depending upon the country you live in you are most likely required to have insurance on your vehicle. The good thing about today’s technology is you are able to get motor insurance quotes online and never have to leave your house looking for them like you used to.

Get a Quote Online

The internet brings many good things and one of those is the ability to find automobile insurance from the comfort of our own home. There are many popular companies out there today with websites and allow you to go online and put in your VIN number and a bit of personal information and they can craft you up a quote within minutes.

What’s even better about this whole process is, is you can not only get a quote but you can purchase the policy directly online and print out temporary insurance cards immediately. You don’t have to wait for them to come in the mail before you can start driving.

Multiple Types of Insurance Policies

Companies provide multiple types of policies and coverage’s and many may give you a discount if you purchase multiple policies through them. Most of the companies offer policies over the following types of property:

• Vehicle
• Boat
• RV
• Home
• Motorcycle

Discounts on Services

As mentioned above many companies may be willing to give you discounts on your rates if you purchase multiple policies on different types of property. However, companies may also have their very own discount programs available if you ask them.

For example some insurance companies provide you a better rate on your children’s coverage if they are making above a 3.0 GPA (Grade Point Average) in school. Other major companies also give you a bonus payment if you don’t have an accident in a certain period of time. One of the most popular discount services out there is a “Plug-N-Play” discount where you plug in a device and you get discounts based on your driving style, and that is pretty neat.

The good thing about capitalism is there are tons of choices for the consumer to pick from. So go online and check out all the companies out there that are competing for your business, and just remember when companies compete like that do, you are the one that gets the best results and best prices.

How to Select the Most Suitable Conference Centre in London?

Which is the best place in the world that offers a harmonious blend of tradition and modernity? The answer is pretty simple. You cannot find a better place that offers a perfect combination of modernity and tradition than London and based on the international arrivals, it is the world's most visited city as well. There is no doubt about the fact that it is one of the most popular commercial centers in the world and this multicultural city offers a unique cosmopolitan nature as well.

All these unique features have always been a reason for large as well as small companies to open their offices in London. Lucky ones have succeeded in establishing their offices in London and others are waiting for the right opportunity. London has become a hot destination for conferences, meetings and corporate events and a huge number of companies always look at London as an ideal place for conferences. If you want to identify the most suitable conference centre in London, you will have to take care of these important aspects for making your event a grand success:

First of all, you will have to make sure that the total ambiance of the conference centre goes in complete harmony with the nature of the meeting or the image of your company. Many London hotels offer specially designed centres for corporate banquets and meetings and you should select the most suitable location that complements the purpose of your conference. You should not select the same place for a hardcore presentation that demands a formal ambiance and a promotional campaign with a lighthearted nature.

It is always advisable to select a conference centre that is located in the business center of the city. At the same time, you should be aware of the traffic in London because it can keep your delegates waiting in the traffic for hours. Such a situation can spoil the mood of your delegates and in order to avert this embarrassing situation, you should select a conference venue that bypasses the heavy congestion areas.

London is one of the most multicultural places on this earth and people from different cultural backgrounds, races, religions and countries have made London their home. So you will have a lot of entertainment options for your international guests and a lot of venues that offer different facilities and services as a package for the guests. You should always check well in advance whether the conference centre that you plan to select offers all these facilities.

It is well known fact that London is a dream destination for conferences. But you should never take things for granted and it is absolutely essential to visit the venue personally to make sure that the arrangements go well with all your requirements. This approach will help you to identify the most suitable conference centre in London. Visit venuefinder.com for more information.