Tips

Personal Finance News Information Tips

By Elroy Mariano 3 months ago

Greetings all,

I guess it’s about time to shut down this blog, Top Finance Blog. It’s been a nice run of 11 years and initially I had a lot of fun and made some nice money, but those days are gone and it’s time to move on.

Since I never had many return visitors or subscribers and had only one comment in the last 5 months, I doubt anyone will actually read this. But that’s okay because I’m turning off comments in any case, so I’ll probably never know if anyone ever cared about most of the content here in the last few years or so.

However, if there were things here that interested you, here’s a bit of information for you. Many of the articles here will be repurpose elsewhere. They’ll either go to my accountant’s blog, who I write for, or my relatively local blog, Syracuse Wiki, where

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Insurance Claims Definition, Tips and Resources

By Elroy Mariano 3 months ago

When you make an insurance claim, you have usually suffered some type of a loss or your property has sustained damage that is caused by one of the named perils insured by your insurance policy. Your insurance policy provides coverage and compensation to you for covered losses or the damages you sustain as a result of the claims process.

Having more insight about the insurance claim, how companies handle insurance claims and the methods by which you can file insurance claims can take the worry and guesswork out of the insurance claim process and empower you to get the money you deserve in a claim settlement.

Insurance Claims Process Overview

Depending on the type of insurance claim you are making, the process will be different. Home insurance and personal property insurance claims will involve meeting with adjusters, getting approvals for estimates, making repairs, or replacing items. Each of these steps

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Information and Tips to Help You Save money

By Elroy Mariano 3 months ago


Comparing quotes can save you money now, but to keep your rates low, year after year, you must understand how your policy works, and what options can cost or save you money.

Use our guides to learn about your own auto insurance, and you’ll save hundreds of dollars on your next policy:

The Basics
explains the most basic concepts of auto insurance, from liability to PIP.

Car Insurance Options
goes a little deeper, helping you choose among the many options available on a standard policy.

State-by-State Guides
contain local law and regulation info, as well as links to auto insurance providers in your area.

You’ll learn about specific issues, such as no fault insurance and high risk auto insurance, and be able to apply this knowledge to get the best discounts from your insurer.

See How Much You Could Save:

Save $300-400 or more with discount rates from all

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AFTA Personal trainer certification, fitness certification, fitness tips, fitness articles, bob harper, bob harper trainer, nutrition certification, personal training education courses, online personal trainer certification

By Elroy Mariano 4 months ago


 



 



 



 


 


 


New Continuing Education Courses
have been added on the Recertification page!


 


Making a positive difference in
the health, wellness, and fitness of people around you is a goal you
can accomplish.  AFTA’s continuing research in the personal
trainer, fitness-related, and nutrition fields gives you up-to-date
certification courses.


 


 

The more training and education you
have, the better and more credible you’ll be as a trainer or
instructor.  Continuing education courses and additional
certifications can help you achieve that goal. 

 

In addition to
single certification courses, AFTA also offers combination courses
and partner programs for discounted purchases. Partner programs are
explained further on each course’s webpage.

 

 

AFTA

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4 Tips for Negotiating a Personal Guarantee

By Elroy Mariano 4 months ago


min read


How to Negotiate a Personal Guarantee

If you get a loan from a bank or private lender for your business, you will probably be asked to sign a personal guarantee that puts your own assets — such as real estate, savings, or other valuables — on the line should your business be unable to pay the bank back. Many business owners are so relieved to get the loan that they don’t read the fine print that puts them at risk. You should. And, you should attempt to negotiate.

To be sure, not every entrepreneur will be successful in negotiating the terms of the personal guarantee, especially if you’re just starting a business. “Those that will be most successful will be those who have three to five years experience and have survived this most recent [credit] crisis,” says Jim Coughlin, the chief underwriting officer for Asterisk Financial, a personal guarantee insurance company

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Quarantine tips from the gang

By Elroy Mariano 4 months ago

'Money Heist' season 4 couldn’t have come at a better time. Listen closely to your favorite thieves, they have some advice for you to survive quarantine.

Money Heist part 4 couldn’t have come at a better time. With a large portion of its fans stuck at home either off work or working from their couch, everyone needs something to stay entertained. We’d say finally getting answers to part 3’s twisty finale is entertainment to the max. 

Not that you should’ve been going outside to begin with, but hopefully binging Money Heist is the motivation you need to plop on the couch and not move. While watching Money Heist season 4, listen closely to your favorite thieves, because they might even have some advice for you to survive quarantine.

“After all, what’s more human than the fight for survival?”
—Tokyo (Ursula Corbero)

Remember that you staying home is one more person out of the virus’ way. 

“For a joke to work, it has to have part of truth and part of pain.”
—Berlin (Pedro Alonso)

Humor often

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15 Tips for Your Medical School Personal Statement

By Elroy Mariano 4 months ago

Don’t underestimate the power of the medical school personal statement to make a strong, positive impression on an admissions committee. Combined with your interview performance, your personal statement can account for 60% (or more) of your total admissions score!

Medical schools want to enroll bright, empathetic, communicative people. Here’s how to write a compelling med school personal statement that shows schools who you are and what you’re capable of.

Medical school personal statement

Personal Statement Topics

Your medical school personal statement is a component of your primary application submitted via, TMDSAS (for Texas applications), or AACOMAS (NB: If you are applying to medical school in Canada, confirm the application process with your school, as not all application components may be submitted through AMCAS).

These applications offer broad topics to consider, and many essay approaches are acceptable. For example, you could write about:

  • an experience that challenged or changed your
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Law School Personal Statement Tips

By Elroy Mariano 4 months ago

In your personal statement for law school you want to present yourself as intelligent, professional, mature and persuasive. These are the qualities that make a good lawyer, so they’re the qualities that law schools seek in applicants.

Your grades and LSAT score are the most important part of your application to law school. But you shouldn’t neglect the law school personal statement. Your application essay is a valuable opportunity to distinguish yourself from other applicants, especially those with similar LSAT scores and GPA.

law school personal statement

How To Write a Personal Statement for Law School

1. Be specific to each law school.

You’ll probably need to write only one basic personal statement, but you should tweak it for each law school to which you apply. There are usually some subtle differences in what each school asks for in a personal statement.

2. Good writing is writing that is easily

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Money Order Basics: Tips for Payments

By Elroy Mariano 4 months ago

Whether you’re buying or selling something, a money order might be your best option (or your only option) for payment. It’s considered a “safe” form of payment, making it a popular alternative to checks. But it’s important to understand the basic pros and cons of using money orders—and when other payment methods are a better choice.

What Is a Money Order?

A money order is a paper document, similar to a check, used for making payments. Money orders are prepaid, so they are only issued after a buyer pays for the money order with cash or another form of guaranteed funds.

Guaranteed Funds

Because issuers demand payment upfront, money orders are considered relatively safe, or “guaranteed,” forms of payment. They shouldn’t bounce—as personal checks might.

Specific Payee

The name of a payee (the recipient) and the name of a financial institution that issued it appear on

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Insurance Tips: 10 Steps to Buying Car Insurance

By Elroy Mariano 4 months ago

Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let’s say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you’re at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren’t covered by your policy.

The general recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability (usually expressed in insurance shorthand as 50/100/25). Here again, let your financial situation be your guide. If you have no assets that an attorney can seek, don’t buy coverage unnecessarily.

Your driving habits might also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, if you routinely speed, or

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