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Author Archive: Curtis Mead

Process on How to Get a New Social Security Card


Most individuals get their Social Security cards very early in life. It is very challenging at times to keep a card for all that while. For those who have lost their security cards can renew them at any stage of their lives. The renewal process is familiar to most people because it does require so much from the applicant. Also, you might need to apply for a new card when you get married or divorced. However, the process of application and issuance seems very daunting for the new applicants. That is why we have we have compiled this detailed guide to help the newbies to get a new Social Security cards without necessarily hassling and bustling. Fortunately, applying and getting issued a new Social Security card is not hard especially if you have the necessary information. The legit steps for a new application or replacement must be followed strictly.



Have the Right Documents

The first thing is to gather all necessary supporting documents that will be used at a different stage of your application. The Application for the Social Security Card starts by gathering documents that will prove your age, name and your citizenship status. Once you have required documents, you can then proceed to access the application form.



Follow the Rules of Application

After gathering all the required documents you should read and understand what the law says about the social security card application act. When an individual who is younger than eighteen years applies for this card, they have guidelines as per the form, SS-5. Also, the same applies to an adult who is dependent. The Form SS-5 is only a single page that contains only 18 items on it. The items can be completed without help but if you do not understand you can as well seek help. Form SS-5 can be printed, filled by hand and submitted or filled in its PDF format then printed and submitted.


Application Method

The last step on how to apply and get a new Social Security card is filling the application. The application form can be found on the internet. Filling the social security card form is very simple and straightforward. There the three main ways to get the application done rightfully. One of the ways is through the internet. The internet application is widespread since it is very simple and efficient. The second is done in person. The last one can be done by sending an email. The Social Security Administrators are the ones to check your eligibility and if you have met all the requirements.



Eligibility Check

The government issues the card number on your social security card after eligibility has been confirmed. The number is essentially used to track your lifetime earnings along with your work history. Therefore, when opening a bank account, you must use the approved number. The card number is also used when enrolling for a Medicare or getting a passport.

Car trade insurance tips

Car trade insurance tips

Currently, economic in most countries is challenging and people for the better ways and methods of reducing expenses and costs incurred on a daily basis. The aspect of car trade insurance should be considered, and one should come up with the best rates in town. The various insurance firms available usually provide different payable premium rates to their clients. The car trader insurance is important for all service providers in this business. For the individuals who are considering investing in car trade insurance tips, the following are some of the best tips to be observed;

The budget should be considered

Car trade insurance tips

The total amount of money which will be paid to an insurance company on a monthly or yearly basis should be established by an individual before committing fully to an insurance policy. One should not settle for an expensive policy. In the process, a person will be straining too much while coming up or making the payments. The best car trade insurance coverage will be determined by the total amount of money generated on a monthly or yearly basis.

Best insurance firm should be considered

It is essential for an individual to carry out research on different insurance companies available in the market and come up with a list of the ones offering the best services. Insurance agency which has established an excellent relationship with the customers and has got a good reputation in the market should be chosen by a person. The right insurance firm should be able to provide the best rates in the market. When the best deals are signed, money and time are saved in the process.

Things which are covered under the policy

Under the car trade insurance policy, customers will require various aspects to be covered. For the owner of the car, one would like his car and passengers to be involved in the policy. There are different kinds of policies which are considered, and the best deal should be settled by a person. Mostly on the car trade insurance, a client is allowed to cover all things under one policy. In the process, it is simple and easy to keep track of things.

Policy should be reviewed on a regular basis

Car trade insurance tips

The motor insurance policy should occasionally be examined so that one should know the benefits he is receiving for the money being charged on a monthly or yearly basis. Deals from insurance usually vary at different times or month of the year. All details regarding the car trade insurance policy can be confirmed on the website of the insurance provider or company.



Ways Of Getting Financing


Getting funding in an economy can be challenging at times. There are various reasons why one will need to get financial help. It could be one is looking for extra capital for their business, one could be looking for extra cash to invest in a project that has presented itself and has good returns. Whatever the reason is the person is looking for financing, whether instant loans or a long term loans. However, securing funds may be tough. Where does one go to get funding, whether for a business or personal venture? Below are ways of getting financing.

Getting Financing


Consider a bank loan

One way of getting funding is by approaching your banking institution and applying for a loan. Different banks will vary with the standards and policies they have set for a loan application. Find out what the requirements are and apply for one. This is one common way that many people use to get financing for a business project or personal venture.

Get from friends and family

Raising money from family and friends is a common way that people use to get financing. Whether for a business start up, business boost or need for funding for a project. However, one can risk jeopardizing their relationships if they do not keep their word. To avoid this one should be able to communicate financial projections, and assessments when they expect to pay up for the funds they have received. It allows your investors to see that you are serious about what you are doing and take the investment and their money seriously. It is also important to communicate the risks involved and have the business plan, consider also what kind of arrangement you have with the individuals, are the funds a loan or equity based. This will help one start of the investment having well set up a structure that is understood.

Attract an angel investor

Another way of getting financing if you have a business is by attracting an angel investor. This are private individuals or small groups of executives who invest in businesses and normally is by making an equity purchase. Such investors give money, skill and expertise and also guidance to help a business start and grow. They need to see the potential of growth, a feasible business plan and an exit strategy. Angel investors are usually time bond and will invest for some years then exit.

Get a micro loan

FinanceMicro loans are often small loans that may range between $500 to $35000. The process of applying is not as vigorous as that of banks and usually require less documentation. It also does not need one to have collateral or a credit history.

Best Mortgage Repayment Tips

Many of the home owners will have gotten the house by paying cash or by just getting the mortgage loan.  If you have worked with the best lenders, then the process of paying the mortgage will not be an easy thing. It might be a process. After getting the mortgage loan, the next thing in the mind after the house has been completed will be how to repay the loan back. It can be an easy thing if you have the best tips that will guide you through the process. Talk to FHA 203k Lenders for the best repayment tips. Here is a list of some of the best mortgage repayment tips.

An extra habit

Best Mortgage Repayment Tips

After getting a mortgage loan, there will be an amount that you will be requested to pay maybe monthly. So when paying back the loan if they have the ability to pay more than the agreed amount then you should go ahead and do it. There are people that even if they have the potential to pay more, they will not just because of reasons that they know. If it’s okay with your lenders to pay an extra, then you should go ahead and do it. That’s why before going ahead and paying more you should first ask if it’s okay with your lender.

Consult a pro

You might not know the process that you can use to repay back the loan. But if you have the loan at hand if you have plans of getting the mortgage loan then you should talk to a professional so that he or she will be able to advise you on the best way to go about the process. He will be able to advise you on how you can use the interest rates to your advantage. He will be able to tell you if they best repayment process will be the one that is of monthly or the one that is of weekly.

Pay the unplanned cash

Pay the unplanned cash

If you are paying the loan and you happen to get cash that you had not planned on then you should consider paying them to the mortgage. That’s if you have no other uses of the money at hand. If you have other things that need the money, then you should think of splitting the cash into two. When paying the additional cost of the loan, it will decrease the interest rate that you will get at the end of paying back the mortgage loan.