Does Your Bumper Sticker Put You at Risk of Being Pulled Over?

We’ve all heard the myth (yes, it is a myth) that drivers of red cars are issued speeding tickets more often than other cars. We’ve been told that tickets riddled with mistakes are null and void, again untrue. But here’s something that’ll make you do a spit take—your choice of bumper sticker is cause enough to get you pulled over.

What-the-what now?

When I got my first car, my parents warned me against plastering my bumper with bumper stickers. According to them, having a unique bumper sticker (or several) would make it easier for people up to no good to recognize my car, whether it was parked at the store, at my job or in the driveway. If they didn’t agree with the message, they could vandalize my car.

As it would happen, police officers look at bumper sticker messages and pull motorists over based on those messages. Here are a couple of examples:

DARE Leads to Arrest

In 2011, a Texas couple was driving down the highway going two miles per hour over the speed limit. An officer pulled them over, and after noting a rosary hanging on the rearview mirror, an air freshener and a DARE bumper sticker, believed they were smuggling drugs. The officer did not find any drugs upon searching the vehicle, but did find a lump sum of cash that he then confiscated. After confiscating the cash, the officer arrested one half of the couple.

At appeal, the judge ruled in the officer’s favor, arguing that through the use of the rosary, air freshener and DARE bumper sticker, they were trying to hide contraband. Again, no contraband was found. And remember what DARE stands for, we learned about it school: Drug Abuse Resistance Education. An officer believed a couple with a rosary, air freshener and an anti-drug bumper sticker were hiding something.

Pulled Over for Buckeye Support

In 2013, a bereft couple was driving home from a funeral when they were pulled over by a police officer. They weren’t going over the speed limit and they weren’t driving erratically. The couple had been pulled over after another officer (not the one who pulled them over) notified two patrol officers that a vehicle with a marijuana bumper sticker was on their route.

The patrol officers flanked the vehicle on either side, and the driver, Bonnie Jonas-Boggioni reported that “they had body armor and guns.” They asked her why she had a marijuana bumper sticker on her car, and she explained to the officers that it was not an image of a marijuana leaf, but was in fact a Buckeye leaf decal. The decal is an exact replica of the stickers Ohio State Buckeye football players receive when they have performed a good play.

In an interview with Think Progress, Jonas-Boggioni stated that “the officer explained that someone from outside his jurisdiction—apparently another officer—had spotted the leaf sticker and thought it might indicate that the car was carrying marijuana.”

Upon realizing the mistake, the patrol officers let the couple go on their way.

As you well know from your years of driving, a ticket can increase your auto insurance rates. It’s not exactly fair to be written up a ticket just because you have a bumper sticker that might be misconstrued as supporting something illegal.

Sites like CoverHound help drivers compare auto insurance rates in real time. You’ll be paired with an agency that understands not all tickets are created equal, and that one ticket shouldn’t cost you an affordable rate.

Have any bumper stickers that might get you pulled over and cost you a ticket?

Financial Leadership: 4 Tips for Business Owners

Being the leader of a business is not an easy job by any means and having an executive leadership masters is becoming a must if you wish to assume a similar leadership position in the future. Running a company, especially the financial aspects, is a constant challenge, irrespective of how successful the company is at the moment. In order to help the new entrepreneur or the financial head of a business, the following four simple but effective tips have been collected from some of the most prominent corporate leaders around today.

The Number Game

Nothing is more important than numbers when it comes to finances and you need to figure out and track which metrics are most important to the business. Make it a routine to have weekly and monthly scorecards so that you can keep your eyes on those all-important numbers on a constant basis and maintain your focus on improving them.

Make the Numbers Public to Your Employees

Once you have the numbers, you need to make everything as transparent as possible. Make sure that everyone who is on the company’s payroll can see those metrics. This will invariably encourage them to improve those numbers because a company that makes more profits pays better and allows for better working environments for its employees. In addition to that, this transparency ensures that your employees are not overestimating your profits and assuming that they are being underpaid.

Invest in What People Want

This is perhaps both the most important and the most difficult business decision that you will have to take as an executive leader. While investing and producing what your customers want seems simple enough, in practice, it’s far from it. Once you figure out what the bulk of your customers want, you need to forego many other aspects of your business model that might appeal to you or others. For example, Apple makes products that cost significantly more because they have a huge profit margin and they sell their brand name. Apple knows that people will buy their products, irrespective of the price tag. If they shift their strategy and try to provide better value-for-money products like most other companies in the industry are trying to do, they will lose their unique selling point. As complicated as it is, figuring out what your target customers want and sticking to it is what most successful companies in the world do.

Use Purpose as a Motivator

If you are just starting out, you will probably not be able to give your employees very impressive salaries. So what’s there to keep your key employees from leaving your company and joining a bigger one for a far greater amount of money? The answer to that question is “purpose.” Be clear with what you are trying to achieve as a unit and motivate them by making your employees a key part of that future. People work for things other than money and purpose is one of the strongest motivators in the world. The promise of a bigger and brighter future and the purpose of building something great together have laid the foundations for great companies in the past.

It is recommended that you complete your executive leadership masters online so that you can also finish your education in finance at the same time.

Coupled with the training in leadership and the necessary financial knowledge, you should be able to put the techniques mentioned here into practice with great success. There will still be mistakes as nothing can really replace experience, but you will make far fewer of them and progress much faster than anyone else in your position.

How to Efficiently Run Your New Business

Running your new business may not mean that you take charge right away. Ideally in your contract of sale there’ll be a hand over period in which you’ll be trained in the day-to-day operations of your purchase. Use any of these periods wisely as a time to critically assess the workplace as it currently is. For example, you may take the time to see how existing staff do their job and get them to explain their workplace processes. In some instances, formal standard operating procedures will vary to what is actually performed when completing a certain task, so identifying any gaps in this process will allow you to get a clearer picture of what needs to be updated in terms of internal communications.

sole proprietorshipIf you inherit staff from the previous ownership, remember that although there may be a mix of people who do not think or even act the same, this diversity cultivates success. As tempting as it is to replace staff with people who are more acquiescing to your anticipated, new management style, think carefully before transitioning them, they too may also need time to adjust to you.

Another valuable task to undertake when you’re running a new business is to audit its technological capability. Generally, tools will need to be experimented with then adjusted to suit the specificities of your business as part of a process of collective learning. If you don’t have the capability in-house, it could be worth getting a consultant in to assist you to review your company’s use of technology and make suggestions to streamline processes. Not only will improving a new business’s technological competency translate into improved organisational efficiency, but will free time for other activities such as research and development.

Once you’ve had a chance to see how the business is currently operating, that should inform how you will proceed to manage it. Even if you already have an existing management style, it will need to be adjusted to suit the new workplace it is being applied in, even if it’s in a similar business to your previous experience. For some background preparation in this area, research the varying approaches of organisational theories such as network theory, ecological theory, general systems theory and strategic choice theories. It’s completely fine to adopt aspects from several schools of thought to best suit your business. It may be of interest to know that due to increasing dynamic nature of business in areas of technology, risk management and market trends, strictly hierarchal organisational structures deliver lower levels of performance than flatter, cross functional models of organisation. Therefore, you may consider a more adaptive style of management to improve your efficiency.

So whether you’re at the stage of researching businesses for sale or are about to settle on one that you’ve already purchased, it’s important to approach its management firstly from a position of listening and learning. This enables you to develop a stronger and more relevant strategic plan that will lower operating costs and boost efficiency.

3 Things You Need to Know Before Taking a Payday Loan

As inflation continues to rise across the UK, the disposable income levels of British citizens have come under sharp focus.

The most recent studies have been carried out by the Resolution Foundation, who have revealed that only the top 1% of households in the UK have fully recovered from the financial crisis.

As citizens continue to struggle with real wage stagnation and the rising cost of living, there may be a growing temptation to seek out unsecured, short-term loans. While this can provide relief, however, it is important to consider the following before taking out a payday loan.

  1. Payday Loans Still Carry Fixed Interest Rates

While the days of excessive interest rates on payday loans may have come to an end, it is still important to understand the nature of short-term lending and calculate the precise amount you will be required to pay back.

Regulations introduced in 2015 by the Financial Conduct Authority (FCA) capped all payday loan interest rates at 0.8% a day, minimising the cost of borrowing nationwide. This is still slightly higher than secured loans, however, so you must factor this when determining whether or not you can make a full repayment according to the terms of the agreement.

So, do your own calculations when determining how much you can actually afford to borrow, before reading through the necessary small print to highlight any other factors that may affect your repayment.

  1. Not All Lenders Are Created Equal

While all payday loan firms offer a similar service, they are not all created equal. There are even some that have forged their own unique niche within the marketplace, to the point where they would even classify themselves as payday loan firms.

Take Smart Pig, for example, which delivers a loan service aimed at students and positioned itself as a viable alternative to a classic payday loan. Not only does it cap interest rates at 0.8% per day as stipulated, but it has also placed further restrictions and eliminated hidden fees to create a fair pricing structure.

It is important to keep this in mind, as ideally you should seek out specialist short-term loans that are designed to meet your specific circumstances.

  1. Payday Loans Are There for Emergencies, Not Cash-flow Shortages

While payday loans have historically been demonized, they do serve a viable purpose in the modern age so long as they are used responsibly.

More specifically, they should only ever be used to cover an unexpected payment or emergency, so long as the value can be comfortably repaid from your next pay-packet. Conversely, they should not be used to fund a lifestyle or plug gaps in your cash-flow, as this becomes unsustainable due to the mounting interest and late payment charges associated by some operators.

Getting Your Masters in Accounting on a Tight Budget

Would you like to get your masters in accounting degree but feel like your budget just won’t allow you to?  If so, you are not alone.  Many undergraduates have a hard time financially.  Luckily, there is a way to go back to school for your masters even if you are on a tight budget.  Today, we are going to learn some tips that will help you get started.

Choose an Online School

We all know that graduate school can be very expensive.  But this doesn’t have to always be the case.  There are some online accounting masters degree programs that offer affordable learning from the comfort of your own home.  Going to school online is a great way to save money and the best part is you can attend anytime, day or night.  This will help free up your schedule and you can even keep your day job while going back to school.  Also, you won’t have many of the common expenses associated with going to a brick and mortar school.  Gas, wear and tear on your vehicle, lunches, and student housing are all things that you as an online student will never have to worry about!  So if you are looking to get your master’s degree, doing it online is a wonderful option if you are on a tight budget.

Rent Textbooks Instead of Buying Them

One of the most expensive things about college is the cost of textbooks.  Depending on the course, some textbooks can cost hundreds of dollars and many times they are not covered by student loans.  This means that a student will have to pay out of pocket for some of their class materials.  If you are on a tight budget, buying books can be very difficult.  But there is a great alternative out there that can save you loads of money.  There are several online companies that will rent you a textbook for a fraction of the price of a new one.  Once you are done with them, you can return them and rent more.  For more info on renting textbooks, please check out this helpful link.

Take Advantage of Student Discounts

Being a college student has some amazing benefits.  Many restaurants, book stores, and even some attractions offer handsome discounts to students. While 5% off your meal doesn’t seem like much, those discounts can really start to add up over time.  Let’s face it, the more money we can save, the more money we’ll have to spend on important things like student loans. If you would like to learn more about the different types of student discounts being offered, please check out this amazing website.  Here you will find many surprising ways to save as a student.

These simple tips will help those on a tight budget save money and be able to get that masters degree in accounting they have always dreamed of.  With some penny pinching and some proper budget planning, you too can accomplish your goals.

Financial Tips For Preparing For Big Future Purchases

You truly never know what lies right around the corner. The future is completely unpredictable and you could easily find yourself in a precarious situation before you know it. In many cases, people find themselves in a bad situation, because they’re required to spend money they simply do not have. Perhaps the expenses are associated with medical treatment? Alternatively, there may a possibility that you need to replace or repair your automobile. Whatever the situation may be, it is pertinent to prepare in advance for those big future purchases. Tips for doing just that will be provided below.

Save As Much As Possible

First and foremost, you should begin saving as much money as possible. This might seem easy, but it is simply more difficult than you could ever imagine. With the current state of the economy, most people now live from paycheck to paycheck. They do not believe it is possible to save money. This is often a misconception. Remember that it is not required that you save a substantial amount. Even ten or twenty dollars per month will add up over a long period of time. Begin saving money from each paycheck. You’ll be glad that you did in the near future.

Avoid Luxury Purchases

Unfortunately, many consumers make the mistake of purchasing items that they simply do not need. Perhaps it is a brand-new television or computer? These items are probably not necessities. Going without your television might be difficult, but it could save you a few hundred dollars. Remember to avoid luxury purchases, unless they are indeed absolutely necessary. Save the money and put it away for a rough day.

Consider Taking Out A Small Loan

Loans are generally a big no-no. Nevertheless, they can be very beneficial from time to time. When you’re in need of quick cash, you should definitely think about taking out a loan. Doing so will allow you to get access to the money you need. Just remember that loans can be a double-edged sword. Be very cautious and pay close attention to the interest rates. Also, remember that you may be able to borrow from relatives. This will often allow you to get the money you need, without worry about hefty fees. Click here to find out where to acquire loans.

Save Valuable Assets

Another thing to remember is that some of the items sitting around your home could be worth a pretty penny. When you run into a troubling situation, you may be able to use these items to your advantage. Take the items to a pawn shop or sell them at an auction. This will help you gain quick access to a good lump sum of money.

Protecting Yourself

Although insurance can be expensive, it could prove to be enormously helpful in the future. With the right insurance, you could avoid a hefty medical bill. Alternatively, the insurance could help you fix or replace a damaged vehicle. If you can fit the monthly premium into your budget, you should definitely consider investing in insurance. You’ll be glad you did when an accident happens.

How Far Back Can I Claim My PPI? A Question On The Minds Of Many

At present there is the ongoing scandal of insurance mis-selling (this has been going on in the UK for a number of years and there are cases of miss sold PPI dating back more than 20 years), this is a financial scandal that has been raging for more than a decade with a number of different ppi claims companies’ handling claims for customers (in some cases claimants have hired their own independent solicitors or even pursued a PPI claim themselves).

When it comes to payment protection insurance claims (PPI claims for short) some examples of important questions on peoples minds at the moment are questions such as “how far back can I claim PPI?” Expanded Meaning: “how far back in time can my payment protection insurance policy be before I’ll be unable to make a claim for compensation?”.

The reality is: with a PPI claim there is officially no formal time limit (some people have successfully claimed compensation from miss sold insurance policies dating back over a decade).

However there is a complexity: Something which is known as the “six year time limit”

Six Year Time Limit?

This is basically the statutory time limit for which banks and other financial corporations have to keep a record of payment protection insurance policies.

If your claim is dating back to longer than six years ago this does not necessarily mean that you will have issues with making a PPI claim, what it means is that it is possible that the company that miss sold the PPI to you in the first place has no record of your PPI policy.

What Happens If They Have No Record Of My PPI Policy?

There are ways around this, the most obvious way is to check if you have any of the original paperwork that goes with your original PPI policy, if not, this is not necessarily an issue, there may be other ways to prove you paid into a PPI plan, this is more a matter for expert PPI solicitors to look into rather than something to make speculative estimations on however.

Rest assured: people have successfully reclaimed PPI on policies that go back much longer than six years, so as stated above this does not necessarily pose a threat to a potential claim at all.

How About If I Have My Original Paperwork?

If you have your original paperwork there is no problem, you have supporting evidence to prove you paid into a PPI policy and thus you have a solid foundation to find out whether or not you have a valid PPI claim.

Many PPI Claims companies can help you claim PPI even if you don’t have the original paperwork, one example of such a company is: this company who are known to be actual “PPI solicitors” which gives them additional abilities to facilitate your claim, however there are also other PPI companies’ that can handle your PPI rebates, a simple search will reveal a number of companies that can handle your case for you.

You also have the option to handle the claim by yourself and save having to pay any commissions out to claims management firms, however this can be a lengthy process and may require more than just patience, (many PPI claims end up having to be submitted to the financial ombudsman service and pursued further should the banks try to reject a claim.) However, on the balance it is possible also to claim PPI without the use of a solicitor or a claims management company.

The PPI Scandal is one of the largest scale mis-selling scandals of all time, there are funds allocated to compensate members of the public who have experienced this kind of mis-selling so it is advisable to at least make enquiries if you have a suspicion that you have had PPI on either a loan, credit card, mortgage, or other financial arrangement.

Final Tip: If you do intend to claim compensation it is sensible to claim as soon as possible due to the fact that there is a deadline being implemented by the FCA meaning that any outstanding PPI claims will need to be submitted before the deadline of August 29th 2019, so submit your case as soon as possible.

Financial Literacy The Key to Excellent Financial Health

A recent study revealed that two-thirds of Americans are financially illiterate. Financial literacy revolves around being informed about money and building a solid capacity to be in charge of finances in each area of your life.

Insufficient knowledge about money is the main reason why most people make wrong money decisions. Normally, it’s also the cause of bad financial habits that are detrimental to a healthy financial health. Financial knowledge helps you not only live within your means but also plan for the future.

With a rapidly evolving economy, it’s your responsibility to learn more about money. There are numerous ways to improve your knowledge and this article will explore some actionable approaches.

Take action today

Money is a broad subject and you won’t learn and master in a few minutes. Taking a more targeted approach will be a strategic move in attaining mastery in the long run. With topics ranging from budgets, credit cards, insurance, emergency funds, retirement, and taxes you can easily decide a starting point. Find out the areas that interest you most and start there.

To keep the motivation alive, always aim for progress, not perfection. Track progress by using the many resources found online that can provide a benchmark for assessment.

Master the Rich Dad’s financial approach and the cash flow quadrant

This is a clever approach to finances that has been well outlined by Kiyosaki, a financial expert and New York best seller. Most people don’t know there are four facets to income generation. This will help in a paradigm shift that is necessary for revolutionizing your finances. The insight that is found here can inspire action and reveal an intrinsic motivation that can act as your anchor to developing life transforming habits.

Grab all the free professional advice you can get

Most Americans today have confessed that they don’t understand their debt. That is sad considering all the free information resources scattered around. The next time you walk into a bank take a moment to ask a few questions to the staff. These are professionals with careers they have formed around finances and they have dedicated their life to that. It will serve your interests to talk with someone who understands money.

Make use of online literature

You will be startled to learn that there are tons of online platforms that offer a wealth of information on money. The best thing is that you get to learn almost any topic for free. Most financial blogs are updated on the current financial knowledge and well laid out in simple language.

If budgeting it the target topic, there are blogs that will go as far as providing templates and suggest workable ideas on budgeting. In addition, becoming part of a budgeting community on the platform provides the moral support necessary for success.

There are also some experienced journalists that are dedicated to educating the public on the recent trends. Also, it will be great to follow them online and the lessons you can learn will be worth it.

Enroll in a course

We are in the digital age and that means you can learn just about anything in the comfort of your home. Platforms like Udemy are never short of resourceful courses that you can take anytime. If you want a different approach, there are comprehensive books on personal finance and most will come with worksheets to track your progress.

The government has partnered with local institutions and you can get educated for free. All that is required is to commit some time and the journey begins.

Start reading financial news and reports

In the business world, trends are changing every day and it is very easy to be left behind. To stay updated on the current trends, financial news should become a priority. Scanning through the pages only requires a few minutes but the insight can be priceless.

Determine what motivates your financial advancement

The world is full of useful advice and insight about money. While most people do listen, almost all of them ignore the lessons learned. In short, every great advice received is utterly useless until it is acted upon.

You must realize that there is a similarity between money matters and dieting. They both involve a change of habits that are deeply woven in a lifestyle. No matter how simple the implementation appears, habits are comfortable beds that are difficult to get out of.

If you will ever make any meaningful adjustments to your financial habits, you need some advice and action plans that anchor on your deepest motivations about money. It’s the only way to inspire a deeply rooted action that can stand the test of time.

Conclusion

Becoming smarter about money doesn’t require complicated approaches with long hours per session. Instead, taking a few moments regularly will lead to accumulation of a significant knowledge in finances. Every day ask yourself how much you know about a topic and work relentlessly towards mastery.

All that is needed is the right motivation and the process becomes effortless.

Best Ways to Obtain Payday Loans

Personal loans can be started at any point in time, by selecting one of the vendors that can offer you a good rate of interest. You can apply with an application form and simple formalities for the submission of the address and your Id proofs.  These documents can be submitted securely online through websites and can be accepted by vendors on time.  So, you can start with the application ASAP, and you can check the status online through their websites as well.  It will help you in letting you know where your application has reached now.

The interest rates on the payday loans Fresno Ca can vary from bank to bank, and you will have access to them very quickly. Their interest rates can be fixed or can be on a variable model.  They can range from 5.49% – 14.24% APR (with Autopay) and 4.990% – 11.090% APR.

Let’s have a look on some of the advantages of Payday loans:

  1. A Boon for Tenants and non-homeowners: Tenants and renters do not have to think that they can’t take a loan as they do not have real estate collateral.  There are many unsecured lenders that can help them in getting it done easily.
  2. Increasing trend: The trend for the unsecured personal loans in the Fresno Ca and all across the country is increasing with every day.  Borrowers have accepted these types of loans.  They are for the person who is earning income but may need access to quick funds without having any collateral in their name.  Undoubtedly, they are a big escape in difficult times.
  3. Application of Interest: The interest rate on any loan is typically not applicable if you don’t use the funds within a stated period of time, and quickly pay off the loan.

The repayment period can range from weeks to months to even years, based upon your income level, credit score, the lender’s policy and the terms and conditions.  Credit cards can also be a kind of payday loans Fresno Ca.  So, try to get the duration of the repayment as per your suitability, don’t make it too short or long, and just try to justify and meet it on time so that you will be eligible for the another loan.  Once you think of using payday loans Fresno Ca or any kind of loans, do take care of every aspect of the same and the company too, through which you are withdrawing the funds, and then go forward with the application so that you will have the best service with a fast processing time.

So, in any case shop around for loans that you are eligible for to fulfill your daily means and secure your future longer term, but before taking the Payday loan, it is advisable to take a comparison quote from all possible Payday loan companies!

The Rating Of The Best Forex Brokers

The rating is formed according to the the four main criteria that characterize the broker. All reviews were manually checked by the moderator in order to avoid multiple votings from one IP and make sure all of the information was up to date. So, if you want to choose the best broker today, here’s the list of potential candidates!

FxPro

The first place in the TOP four best Forex brokers 2017 is held by FxPro, one of the largest international Forex brokers, which is well known among experienced traders. The company has been operating since 2006, and has been providing trading services for a very wide range of investment tools to date. In addition to currency pairs on the most advanced trading software, it includes its own FxPro SuperTrader. The broker has held the top position for two months and before that they have spent eleven consecutive months at the third place in the rating.

Forex Club

This team presented the new EUR4H trading system using the Price Action principle in dealing with the key EUR/USD currency pair on the 4-hour interval. The rate in EUR4H’s work is to maximize the potential of the market movement within a day, and the profit for each transaction is almost unlimited. In addition, Libertex for iOS received an updated design and new features.

The evening mini-base online course for Libertex will be held in February for its clients, where you can quickly get the required set of knowledge for an effective start of trading on the financial markets from leading experts of the International Academy of Investment and Trading. A new thematic seminar “How to create your own strategy?” was also held a few days ago.

TeleTrade

TeleTrade holds the third place for the third month in a row, being at the same time in the top four continuously for quite a long time (twenty-seven months). For those who doesn’t not know or have already forgotten about the fact, the company has been in the market since 1994, and even more notably, it was the first to receive CBR license to provide services in the Forex market in Asia.

TurboForex

TurboForex is a relatively young broker; the company has been operating since 2010. It is registered and licensed in New Zealand, but this does not prevent it from providing services to traders around the world. In addition to currency pairs, the list of trading tools offered by the broker includes precious metals and oil. In addition, traders can use social trading, which allows them to copy trades of experienced traders.

Choose the broker you think will suit you best and start your career of trading on Forex today!

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