A promissory note is a legally binding document attesting a relationship between a lender and a borrower. It works as a promise to pay the loan amount as well as the interest within a specific period of time. A promissory note must answer six most important questions, as listed below. Who are the parties involved? The promissory note must mention who is being repaid (lender) and who is repaying (borrower) the loan amount. Check with your state law and confirm which parties need to sign the promissory note. Usually, it is just the borrower. However, it is considered a good practice to have it signed by the lender too. How Much Money Needs To Repaid A promissory note must clearly mention the principal amount that is being borrowed as well as the interest percentage that needs to be paid. How Is The Money Going To Be Repaid The promissory note must mention clearly as to how the money is going to be repaid to the lender. It needs to state if the money is going to be repaid in installments, in installments with a balloon payment, in a lump sum or on demand. When Is The Money Going To Have To Be Repaid A specific date for repayment has to be included in the promissory note.

Are you new to trading? Forex trading in particular? Learning the best forex trading strategies is the first step. Attempting to trade with the trial and error method is not as favorable as researching and following strategies learned over years of experience. While discipline is important in any activity of life, restraint in forex trading is fundamental, as is the effort to let ego not distract you from your forex trading strategies. Forex markets operate 24 hours a day and there are millions of forex traders who over years of experience, have learned and used certain strategies to consistently be successful in forex trading. There is no one single outstanding strategy that works perfectly because strategies work differently for different traders based on numerous factors, some of which are your leverage options, the level of risk you are willing to take and the trading time zone. Forex strategies can be classified into free and paid ones and into further detailed ones like, Fundamental strategies: used for forex trading that is affected by fundamental events. Technical strategies: used for trading based on market statistics and analysis of rate charts. Popular strategies: a combination of the previous two, and an important category.

Finance is one area for each of us which would need organization, careful analysis, and assessment. In the times when a simple income is not enough anymore and investment of this income to make it grow has become almost important for survival, one needs to have the knowledge of how to direct their funds and where to direct them. However, it is quite improbable that one with no connection to the world of finance can have a deep understanding of the subject and know of how and where to invest, given the busy world we surround ourselves with. That is exactly where investment wealth management steps in. Wealth management is a professional service of a high level which combines the financial and investment advice, taxing and accounting services, planning for retirement, legal and estate planning under one cap. The clients of this service can work with a single wealth manager who would take up inputs from financial experts and take them into consideration along with advice from the client’s attorney, accountants, and insurance agents. Wealth managers can sometimes also offer advice on philanthropic services and banking activities. This service can coordinate with a series of professionals and provide the client with all the advice in one place cutting down the client’s hassle of having to meet numerous professional services for interconnected financial advice.

Insurance plans for health coverage would be perfect for your budget and peace of mind if planned correctly. Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, and Humana are undoubtedly the best health insurance companies that offer the finest health insurance in the market. And, the Group Health Plan Inc., Gundersen Health Plan Inc., and the Kaiser Foundation Health Plan Inc. are the best health insurance plans that give you confidence. Continuing the statistics, the states with the best healthcare plans are Colorado, Wyoming, and Delaware, in that order. While health insurance plans cover everyday medical expenses, extended hospital stays or other long-term health care costs and their deductibles can be a shocker to your planned budgeted lifestyle. This is where supplemental or secondary health insurance comes into play. Rising up to meet out-of-plan costs, some of the best secondary health insurance plans cover the additional costs such as copays and extended coverage limits not provided for by the primary policy. Build your healthcare plan with care because it can be cumbersome and confusing. Compare the various plans on offer, categorized under the headings: Bronze, Silver, Gold, and Platinum. While the plan categories do not refer to the quality of care provided, they do reveal the percentage of cost sharing between the insured and the insurer.

Being an army man is a matter of honor as they serve their country all their lives. Army loans are specially sanctioned for the army men on lower interest rates. To provide to the military officers, several military loan companies are there to assist in each state. However, it is not easy to obtain a loan even if you are military personnel. Army military loans – types and top criteria Some important and essential information in regard to Army Loans is given under: There are various types of loans available, depending upon the designation of the general. Some of the loans are. Moreover, there are also several varieties of the army military loans, including Leadership VIP, Premier and Bereavement Military, The Disaster Relief, Career Service, and senior leadership VIP Loans, etc. Other eligibility criteria are also taken into consideration like the general must have served the military for at least twenty years. The loan can be sanctioned only after proper verification and after giving the proof of the designation and other details. The amount for the military personnel is for about $5,000, and the interest rates are quite low. There is a loan named Bereavement Military Loan which is for the Army personnel who face sudden emergencies.

Most people realize the importance of visiting a doctor regularly but what we don’t realize that a healthy mouth can help reduce the risk of developing many medical problems. In order to help you maintain a healthy mouth, Aetna offers affordable dental insurance. The dental plans offered by Aetna come packed with values and extras. Aetna also has a discount dental service plan that it offers to its customers. Their insurance plans help keep costs low, allows members to visit any licensed dentist and also provides tools online in order to enable customers to manage their dental benefits. Aetna offers various types of dental plans. Some of them are as follows: Network Only Plans (DMO): The DMO plans offer dependable coverage that is really easy to use. This plan works to combine the advantages of coordinated care from a dentist along with a broad range of services. DMO is available at a cost lower than the regular PPO plans. Members are free to choose the dentist of their choice from Aetna’s dental network. The copay is fixed in order to keep insurance costs low and is available for customers who are fully insured. Network Option Plans (PPO) : You have the choice of seeing any dentist that you want to even if the dentist does not come under the Aetna dental network.

The organization is extremely important when it comes to financial matters such as investments and portfolio management. It is absolutely necessary for investors to keep track of their individual stocks, exchange, and mutual traded funds. Being involved in financial investments requires you to constantly examine investment returns, fees, asset locations, retirement plans along with many other factors included in the procedure. This assessment can be done with the help of an excel sheet too. However, the job becomes extremely easier when a software is used. This software is available for free, at a onetime charge or at a continuous charge monthly. The following are the best available software for the sake of portfolio tracking: Personal Capital: Personal Capital comes with a wide variety of features and is one of the best free software for investment and portfolio management. The set-up procedure takes very little time and brings the investor a personalized dashboard after syncing in all the personal accounts. It gives an all-round perception of your investments and other important money details by taking your credit card, bank and investment accounts into consideration. This software helps you analyze the income and expense cash flows, net worth calculation, reviews asset allocation along with many other functions.

If you are a first time home buyer, you might get cowed down by the zillion procedures that need to be done regarding purchasing a new property. Of course, financing your home might be the first of your concerns. Here is a guide to the various mortgages available to first time home buyers. Among the top 10 mortgage lenders, Quicken Loans, the largest FHA lender in the nation, and Citi Mortgages that offers the full line of purchase mortgages, including FHA and VA loans, both have low down payment requirements. Even borrowers with low credit scores benefit from these two mortgage lenders. SunTrust and Flagstar Bank are the other two mortgage lenders that demand low down payment from first time home buyers. Others like JP Morgan Chase, Bank of America, SoFi Mortgage, Navy Federal, US Bancorp and Wells Fargo are part of the list that makes up the best home mortgage lenders. Secondary mortgage refers to the loan taken on a property in addition to the first mortgage. Home equity loans, home equity lines of credit and reverse mortgage are types of second mortgages. Second mortgage lenders charge higher rates than current mortgage rates because the primary loan mortgage company gets paid first in the case of a loan default situation.

Our home is our place of security and our family is the comfort zone that we always like to return to. As such, given the importance of this place, it is important for one to take care of their house and make sure it can stand against natural disasters. If that cannot be ensured, one should to the least be absolutely prepared financially to be able to cover for the losses or the damages caused by any forces like natural disasters, accidents etc. For this purpose, the State Farm insurance company has known to be extremely reliable, be it in the case of financial stability, customer service or claims. State Farm currently has its headquarters situated in Bloomington, Illinois with over 17,000 agents and about 67,000 employees serving in the United States and Canada. The annual revenue of the company is reported to be a little over $64 billion given that it has an insurance division, mutual funds, and its very own bank. Being a Fortune 500 company, the State Farm Insurance writes more than 77 million insurance policies. In order to compare the home-owners insurance quotes, a 15-year-old single home has been chosen with replacement values of $250,000 and $400,000.

Providing supremely gratifying customer service and unmatched claims payment, the Continental Life Insurance Company (now a part of Aetna Inc.), founded in 1983 in Brentwood, Tennessee, has been offering Continental Life Medicare Insurance Supplements for over 30 years to eligible beneficiaries. Apart from catering comprehensive health insurance coverage at affordable premiums to seniors, the Continental Life Medicare Insurance Supplements fills the gaps in Original Medicare. This insurance supplement steps in to cover expenses that are not entirely, or only partially covered by Parts A and B of Original Medicare. Although they are not the primary reserve for the payment of medical expenses, their role as a reliable supplement to add to existing funds when they fall short is crucial. The Continental Life Insurance Company offers Medicare Supplement Plans A, B, F, High Deductible F, G, and N with varying coverage options and premium amounts. It is common knowledge that all Medigap plans are standardized across all insurance companies across the United States, except in Massachusetts, Minnesota, and Wisconsin. Continental Life Medicare Insurance Supplements can be procured on a guaranteed issue basis where absolutely no questions are put forth or restrictions imposed regarding the health status of the insured at the time of enrollment.

Although getting a motorcycle title loan sounds complicated, the process in truth is very simple and easy. You can be approved to get a motorcycle title loan almost immediately, as long as the motorcycle is completely paid off and the title is in your name. You would also need a valid government issued ID in order to complete the process. You can be on your way with all the formalities completed in 30 minutes taking the money along with you as you go. With some companies, you can get the money the same day that you need it, but others might take a day or two, hence it is important to do your homework and walk into the place that would accommodate you the best. In the current economy, it can be very difficult to make ends meet for a lot of people. You might get into a financial crutch without warning and quite unexpectedly. Dealing with such situations can be quite stressful. Although there may be many avenues which will get you the money that you need like payday loans, cash advances, pawn outlets, and credit cards, the problems that you would face with each and every one of them tend to overweigh the benefits that you may gain.