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	<title>London Finance Blog</title>
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	<link>http://londonfinanceblog.org</link>
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		<title>Franking Machines: The No More Stamps Solution</title>
		<link>http://londonfinanceblog.org/franking-machines-the-no-more-stamps-solution/</link>
		<comments>http://londonfinanceblog.org/franking-machines-the-no-more-stamps-solution/#comments</comments>
		<pubDate>Sun, 22 Jan 2012 14:20:57 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[fr]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/franking-machines-the-no-more-stamps-solution/</guid>
		<description><![CDATA[Are you tired of running to the post office for stamps? If your answer is yes, then you may want to look into Franking Machines. These machines are perfect for small businesses and large corporations alike. There are numerous different types of Franking Machines that are built to fit the needs of many different sized [...]]]></description>
			<content:encoded><![CDATA[<p>Are you tired of running to the post office for stamps? If your answer is yes, then you may want to look into Franking Machines.</p>
<p>These machines are perfect for small businesses and large corporations alike. There are numerous different types of Franking Machines that are built to fit the needs of many different sized businesses. Whether you need to mail 20 or 2,000 envelopes a week, there is a machine that will work for you.</p>
<p>There are many benefits of using one of these machines, such as productivity. You will increase your productivity by using these machines to print the postage and calculate the cost for you. Think about the process now of needing to put a stamp on each envelope and the amount of time that can take.</p>
<p>It is also more efficient to use one of these machines then it is to put all of the stamps on by hand. There will no more trips to the post office to pick up additional stamps when you are about to run out either.</p>
<p>You will also save on the cost of postage. You can save up to 30% on your postage costs by using the <a href="http://www.mailcoms.co.uk">Franking Machine</a> rather than stamps. There hasn&#8217;t been a better time to start saving then now.</p>
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		<title>When Ordinary Homeowners Insurance isn&#8217;t Enough, Go High-Net</title>
		<link>http://londonfinanceblog.org/when-ordinary-homeowners-insurance-isnt-enough-go-high-net/</link>
		<comments>http://londonfinanceblog.org/when-ordinary-homeowners-insurance-isnt-enough-go-high-net/#comments</comments>
		<pubDate>Fri, 11 Nov 2011 14:05:15 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Home Insurance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/when-ordinary-homeowners-insurance-isnt-enough-go-high-net/</guid>
		<description><![CDATA[Those whose insurance needs fall outside the norm use high net worth home insurance to protect their possessions from theft and damage. Who falls into this category? People who collect baseball cards, comic books or coins that are valuable. Home business operators who maintain an expensive inventory at home need this extra insurance as well. [...]]]></description>
			<content:encoded><![CDATA[<p>Those whose insurance needs fall outside the norm use high net worth  home insurance to protect their possessions from theft and damage. Who  falls into this category? People who collect baseball cards, comic books  or coins that are valuable. Home business operators who maintain an  expensive inventory at home need this extra insurance as well. Even a  collection of shoes and purses, compiled over a number of years can be  considered worthy of this insurance if they are from high-end designers.</p>
<p>There are other cases where the worth of items can creep up and offer an  unpleasant surprise to an uninformed homeowner. One does not have to be  wealthy to have an expensive enough jewelry collection or assortment of  technical equipment that is worth extends beyond the coverage of a  standard policy. Often the acquisition of high net worth home insurance  comes after an inheritance, when the item is beyond the price range of  the homeowner&rsquo;s usual possessions but have too much sentimental value to  sell.</p>
<p>Those who suspect they may need a <a href="http://certisinsurance.com/">high net worth home insurance</a> policy  need to make inquiries. Expect this type of insurance policy to come  with personalized service: a home visit and security inspection with  suggestions to increase the safety of the insured items are not unusual.</p>
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		<title>When to Start Retirement Planning</title>
		<link>http://londonfinanceblog.org/when-to-start-retirement-planning/</link>
		<comments>http://londonfinanceblog.org/when-to-start-retirement-planning/#comments</comments>
		<pubDate>Thu, 10 Nov 2011 13:16:24 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/when-to-start-retirement-planning/</guid>
		<description><![CDATA[It is absolutely necessary that you start planning for your retirement and the time when you will no longer have to get up and go to work as soon as you can. It would be advisable for people to beginmaking efforts at retirement planning as soon as they start working. That rarely happens though, so [...]]]></description>
			<content:encoded><![CDATA[<p>It is absolutely necessary that you <a href="http://www.retirementplanning.net/individual-retirement-plans.html">start planning for your retirement</a> and the time when you will no longer have to get up and go to work as soon as you can. It would be advisable for people to begin<a href="http://www.retirementplanning.net/">making efforts at retirement planning as soon as they start working</a><a>. That rarely happens though, so you need to know that the earlier you start the more you can provide for your future.  One thing that most people are starting to do is join their companies 401K savings programs as soon as they can. These programs do allow you to put aside some funds for your future, and they also are a painless way of doing this. The amount you place in a 401K each pay period will be taken from your check before you get the check so you never touch the money and therefore you never miss the money.  Besides this strategy the average person gets no assistance in retirement planning strategies for their future wants and needs. </a></p>
<p><a>When these individuals do finally reach the age that they can quit going into work every day they often discover the amount they have set aside is grossly inadequate and they often have to return to the work force in order to make their obligations. It is sad when a retired individual has to return to work because the economy has taken such a toll on their savings, or because they simply did not plan for all of the cost of living increases that would occur before the time that they retire.  In order to prevent this from happening everyone should speak to a counselor on finances or to a financial advisor for tips and strategies they can use to make certain they have plenty of money saved for their old age. These advisors can tell you ways to distribute the money you have available to save into different types of accounts in order to make the most of the tax free exemptions you are allowed and to gain the most interest on your money. You want your money to be working for you and making you more money and to get it to do this you need tips and advice on investing wisely.</a></p>
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		<title>The Low-Down on Payday Loans</title>
		<link>http://londonfinanceblog.org/the-low-down-on-payday-loans/</link>
		<comments>http://londonfinanceblog.org/the-low-down-on-payday-loans/#comments</comments>
		<pubDate>Sat, 01 Oct 2011 11:12:14 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/the-low-down-on-payday-loans/</guid>
		<description><![CDATA[As more and more people find that they need a little extra cash between paydays, payday loans are becoming increasingly popular. A payday loan is a short-term loan that provides you with temporary cash to help you get through until your next paycheck. A payday loan is required to be paid back in full in [...]]]></description>
			<content:encoded><![CDATA[<p>As more and more people find that they need a little extra cash between paydays, payday loans are becoming increasingly popular. A payday loan is a short-term loan that provides you with temporary cash to help you get through until your next paycheck. A payday loan is required to be paid back in full in addition to interest/finances charges.&nbsp;</p>
<p>As a general rule, you will need a checking account because the payday loan lender (<a href="http://www.paydayloans.org.uk/">paydayloans.org.uk</a>) will require that you provide them with a post-dated check made out to them in the amount of your loan plus the fees. The fees will vary between lenders, but are generally based upon the amount that you borrow. Some lenders will charge you a percentage of the full amount that you are borrowing while others will charge a percentage for each &pound;50 that you borrow, or &pound;100 that you borrow. Further, the fees will increase should you not pay your loan back and you decided to extend the length of your payday loan instead.&nbsp;</p>
<p>While there are fees associated with payday loans, these cash advance loans are an easy way to get you the money that you need quickly no matter what situation you may find yourself in.</p>
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		<title>Free Offers as you Shop</title>
		<link>http://londonfinanceblog.org/free-offers-as-you-shop/</link>
		<comments>http://londonfinanceblog.org/free-offers-as-you-shop/#comments</comments>
		<pubDate>Thu, 07 Jul 2011 20:46:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Savings]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/free-offers-as-you-shop/</guid>
		<description><![CDATA[The word free will always catch our attention. It tells us that we will get something for nothing and these days, that is good news.&#160; When we see the word free, we take the time to find out the details.&#160; If you were to see the words free delivery when shopping online, it could be [...]]]></description>
			<content:encoded><![CDATA[<p>The word free will always catch our attention. It tells us that we will get something for nothing and these days, that is good news.&nbsp; When we see the word free, we take the time to find out the details.&nbsp; If you were to see the words free delivery when shopping online, it could be the deciding factor as to whether you buy or not.&nbsp;</p>
<p>When you shop from&nbsp;<a href="http://couponcroc.co.uk">coupon croc</a>, you will find free delivery offered by Gum Mobile and Eco Web hosting has a free offer too.&nbsp; They will do a free website transfer and the also offer twenty percent off your first year of hosting.&nbsp;</p>
<p>These are just a few of the more than fifty-thousand money saving offers found on this site from top UK stores.&nbsp; You can choose from the twenty-two categories to find a discounts on things like clothing, gambling, books, DVDs, travel and dating. Green People in the home and garden category offer free delivery on your order of outdoor furniture.&nbsp; Visit today and see how many ways you can save on those common purchase we make all the time.&nbsp; Tell family and friends so they can shop and save too and then everyone can pay less.&nbsp;</p>
<p>&nbsp;</p>
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		<title>ChexSystem Explained</title>
		<link>http://londonfinanceblog.org/chexsystem-explained/</link>
		<comments>http://londonfinanceblog.org/chexsystem-explained/#comments</comments>
		<pubDate>Fri, 03 Jun 2011 14:43:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/chexsystem-explained/</guid>
		<description><![CDATA[ChexSystem is a network of member financial institutions which serves as a credit and risk monitoring agency for the banking industry. This agency maintains a common list of people with bad credits for all major banks and protects other banks from frauds and defaulters. ChexSystem is not always fair and almost always favors the banks [...]]]></description>
			<content:encoded><![CDATA[<p>ChexSystem is a network of member financial institutions which serves as a credit and risk monitoring agency for the banking industry. This agency maintains a common list of people with bad credits for all major banks and protects other banks from frauds and defaulters. ChexSystem is not always fair and almost always favors the banks over the account holders.  When you <a href="http://www.checkingaccounts.org/free-checking-account.html">open a new checking account at a bank</a>, the bank runs a banking credit check on you. This check usually gets its information from the ChexSystem and if your name is found in this system, you are denied access to the checking account. Banks can report your name to the ChexSystem for reasons like frauds, writing bad checks, not paying overdraft fees, and for account suspension. This agency shares this information with all partnering banks which include most of the major banking institutions in the world.</p>
<p>To have your name registered in ChexSystem means to have bad banking credit and that means that you will be denied access to checking and savings accounts at every major bank in the country. To ensure that you are not excluded from the banking community you must ensure that you have good banking habits like paying all your dues, keeping a lookout for errors, frauds and defaults. To give the banks their due, they always send out letters and account statements informing you of transactions, errors and defaults and it is important to keep a look out for these letters from your bank so that your account is not cancelled.  Once registered in the ChexSystems, people have to wait for 5 long years to clear their bad credit. It is also possible sometimes to challenge ChexSystem and legally make them remove your name from their database but this doesn&rsquo;t work every time and can be an expensive and lengthy process. You are often better off improving your credit by using <a href="http://www.checkingaccounts.org/">a second chance checking account</a> and building back your credibility with your bank. If your bank still refuses you a regular checking account then you can always approach a bank that does not use the ChexSystem for their credit checks.</p>
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		<title>A brief introduction to financial planning</title>
		<link>http://londonfinanceblog.org/a-brief-introduction-to-financial-planning/</link>
		<comments>http://londonfinanceblog.org/a-brief-introduction-to-financial-planning/#comments</comments>
		<pubDate>Fri, 03 Jun 2011 11:26:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/a-brief-introduction-to-financial-planning/</guid>
		<description><![CDATA[There are majority of people who have misconceptions related to financial planning or they just do not know anything about it. There are some people who think that it is a process in which the planner and the client sit together and discuss initially about the present situation of the client. Then both of them [...]]]></description>
			<content:encoded><![CDATA[<p>There are majority of people who have misconceptions related to financial planning or they just do not know anything about it. There are some people who think that it is a process in which the planner and the client sit together and discuss initially about the present situation of the client. Then both of them find out the essential things and about their future objectives, goals and aspirations. Then the planner plans out for a strategy which will help the client to achieve the goals and also prepares the whole new blueprint. This blueprint is also called as financial plan or statement of advice.</p>
<p>The retirement planning is generally covered in this process and the steps that are included in this process are budgeting, calculation of best possible level of the salary sacrificing, savings plans implementation, effective investments of taxes, co-contribution of the government, strategies of pension maximization by government, initializing of the retirement transitions, DIY (super funds that are self managed), direct shares, investing in the property and the strategies related to the speed payment of mortgage.</p>
<p>The <a href="http://www.financialplanners.net/">statement of advice and the investments plan</a> will confidently demonstrate the fully detailed and effective action planning for the client in order to get their goals and objectives fulfilled but sometimes the goals of clients are unrealistic and cannot be met in any case. In these cases, the clients are previously informed about the shortfall and it can be limited effectively by working for some more years or to stop planning about something which is not necessary. The financial planning is one of the must have for all the people around the world in order to meet their future goals effectively. Financial planners are the most effective options for every person in this world to get aware of every financial situation for their future life span.</p>
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		<title>A guide to financial planning process</title>
		<link>http://londonfinanceblog.org/a-guide-to-financial-planning-process/</link>
		<comments>http://londonfinanceblog.org/a-guide-to-financial-planning-process/#comments</comments>
		<pubDate>Thu, 02 Jun 2011 11:27:06 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/a-guide-to-financial-planning-process/</guid>
		<description><![CDATA[As an adult all important decisions that most individuals make, mostly it is related to money, their diet plan, education and career objectives, family vacation and so on, all involve financial planning element to it. Thus, financial plan is crucial to their life, success or failure to plan their finance will have great on their [...]]]></description>
			<content:encoded><![CDATA[<p>As an adult all important decisions that most individuals make, mostly it is related to money, their diet plan, education and career objectives, family vacation and so on, all involve financial planning element to it. Thus, financial plan is crucial to their life, success or failure to plan their finance will have great on their life related to wealth. Whether they chase after wealth, if they are in debt or they can build the money, they probably invest their funds to enhance their net worth.  While it is obvious that people would not plan to fail, it is true that most of them fail to plan. Most individuals either are not aware of right financial planning process or they are chartered procrastinators having thousands of excuses for not getting started with financial plan.</p>
<p>The bottom line is that everyone to make their savings successfully should know the process of financial plan and how to get started.  The first step in financial planning process is to get started with financial objectives setting. Individuals should make their goals realistic so that it can be achieved easily. In order to set a reasonable objective, they need to know their present financial condition and project the future financial ability. Moreover, having adequate insurance coverage can help individuals to have peace of mind. Insurance coverage for health, assets and even life is an important component that should be included in <a href="http://www.financialplanners.net/">the financial planning process for potential risk management</a>.  Financial planning is conducive to life, success or failure to take proper financial planning will have great impact on life related to finance. Individuals should be aware of these components and how they impact their financial strategies. As life is journey that is going to come to an end one day, most people try to avoid thinking about it. The truth is that nobody will get out of this world alive, so they might as well plan for it.</p>
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		<title>How to Find Cheap Hot Tubs</title>
		<link>http://londonfinanceblog.org/how-to-find-cheap-hot-tubs/</link>
		<comments>http://londonfinanceblog.org/how-to-find-cheap-hot-tubs/#comments</comments>
		<pubDate>Mon, 30 May 2011 11:20:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Finance]]></category>
		<category><![CDATA[Hot Tub]]></category>

		<guid isPermaLink="false">http://londonfinanceblog.org/how-to-find-cheap-hot-tubs/</guid>
		<description><![CDATA[Everybody cannot afford to pay for a hot tub as they come expensive. Add expenses for the additional accessories, installation cost, a tub cover and chemicals and you are spending some serious bucks. So, are you thinking of some inexpensive ways to own a hot tub? Well, it is possible and there are numerous ways [...]]]></description>
			<content:encoded><![CDATA[<p>Everybody cannot afford to pay for a <a href="http://www.thehottubcompany.com">hot tub</a> as they come expensive. Add  expenses for the additional accessories, installation cost, a tub cover  and chemicals and you are spending some serious bucks. So, are you  thinking of some inexpensive ways to own a hot tub? Well, it is possible  and there are numerous ways to find cheap hot tubs. </p>
<p> After visiting a local spa dealer, you may be somewhat disappointed with  the high prices of the hot tubs. Even discount warehouse chains often  lure customers with their fancy ads promising cheap hot tubs only to  show expensive ones when you approach them. </p>
<p> You can start by researching on the internet about the hot tubs sellers.  A great benefit of the internet is that you can do comparison shopping  by comparing the prices from various online stores from the comforts of  your home. While researching for the spas, you will find tons of  information on the fancy heating units, acrylic shells, motors,  insulation and numerous other related gadgets and items. You can select  the items you need according to your budget. </p>
<p> You should be cautious about the quality when considering used hot tubs  as every tub may not be efficient as promised by the seller. If somebody  is selling one that is sitting in their backyard without any regular  usage, then you will have to get it checked thoroughly. There are always  dangers in buying used spas if the tub is not set up when you intend to  check its heather, pump and various other features. </p>
<p> Just be patient and spend time and energy to search for a good hot tub  and you will soon be a proud owner of one that works properly!</p>
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		<title>How To Get Started In The Bookkeeping Business</title>
		<link>http://londonfinanceblog.org/how-to-get-started-in-the-bookkeeping-business/</link>
		<comments>http://londonfinanceblog.org/how-to-get-started-in-the-bookkeeping-business/#comments</comments>
		<pubDate>Wed, 18 May 2011 16:36:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
		
		<guid isPermaLink="false">http://londonfinanceblog.org/how-to-get-started-in-the-bookkeeping-business/</guid>
		<description><![CDATA[If you are thinking of starting a small business at your home, book keeping is a good idea. It not only involves low cost but also eliminates the need for special rented office space etc. All one needs is some good knowledge about books. The important stuff that needs to be taken care of in [...]]]></description>
			<content:encoded><![CDATA[<p>If you are thinking of starting a small business at your home, book keeping is a good idea. It not only involves low cost but also eliminates the need for special rented office space etc. All one needs is some good knowledge about books. The important <a href="http://www.bookkeeping.net/">stuff that needs to be taken care of in accounting</a> business is keeping a track of  the income and expenses, recording all bank statements, payments and invoices, employee payroll processing etc.    The basic requirement for a bookkeeping business is a computer containing a book keeping software of a spreadsheet. The expense in total generally does not exceed $2000. Since this business does not involve much of capital, you can make use of your own savings to start up with. If it is insufficient, you can also avail of loans from Small Business Administration. You must have a business plan drafted out with an average estimate of costs and expected profit and growth of business.   Book keeping charges vary depending on the type of service. An average of $20 to $50 is charged to the clients per hour.</p>
<p>There can also be fixed charges payable each month at the rate of $200 to $800 per month.   Outsourcing the job of monitoring and supervising is easier for people who have already established their business for some time. The people employed can provide reports and track record at each month end. Advertising your business is important which can be done through yellow pages, magazines, websites, newspapers etc. Companies can be called up to market your services over phone. Keep in touch and expand your contacts to gain more clients which are an important part of any business. Referring to larger bookkeeping firms for referrals is a good idea.    The people you employ should be well trained and skilled professionals. Knowing the norms of management, legal requirements, hiring and running the business is important. These factors can make a lot of difference to the success of your business. Once your business picks up, you need to aim towards expansion and in total should be able to generate an income of about $40,000 a year.</p>
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