When figuring out what the true financial worth of a company really is, both hard and soft assets need to be taken into account. What are the differences between hard assets and soft assets? Hard assets are those assets that have a set financial value. The value of hard assets must be included on a company’s financial statements. Some examples of hard assets include cash on hand, stocks, bonds and other financial instruments. The real estate and buildings owned by a company are hard assets as are the various pieces of equipment a company owns. Soft assets are another matter. The true value of a soft asset is often hard to value. There isn’t a record of soft assets kept on the company books. Some soft assets are tangible soft assets. For instance, the people working for a company and the knowledge that they possess that might benefit the company are types of soft assests. There are other soft assets that are intangible soft assets. The patents and the business information that a corportation possesses are intangible soft assets. Also, Safeco Car Insurance, a company’s brand name, its reputation in the business community and the company’s business relationships are classified as intangible soft assets.

12-08-2013
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If you are like most people, then you are probably trying to save all of the money that you can. However, saving money is hard when you have a-lot of bills to pay. You are probably paying spending too much money on some of your monthly bills. You are probably overpaying for the following bills:

Cell Phone

Cell phones are a necessity in today’s society. However, there is no need for you to spend an arm and a leg on your monthly bill. There was a report done by the CTIA Wireless Association in 2012 that showed that the average cost of a cell phone bill in America was 71 per month. Therefore, if you are spending more than 100 per month on your cell phone bill, then you are spending way too much.

You can save money on your cell phone by shopping around and comparing the price of various cell phone companies. You may also want to consider getting a pre-paid cell phone. Additionally, you may want to consider getting rid of extra features, such as the Internet.

Your Car Insurance

Car insurance typically ranges from 60 to 80 per month for one car. You can save money by shopping around and getting quotes from different companies. This website, http://www.shop-carinsurance.net/car-insurance-quotes.html, makes it very easy for you to find quotes. The site also compares ways to save money by increasing your deductible, installing safety gear on your vehicle and taking a defensive driving course.

Electric Bill

The cost of electricity bill can vary. Some people are spending as little as 30 per month while others are spending over 300 per month on their electric bill. Your air conditioner is one of the biggest factors that determines the cost of your electricity bill. You should turn your air conditioner up a little higher during the winter months and a little bit lower during the winter months. You can also save money by unplugging your appliances when they are not in use.

Internet Bill

The average internet bill is around 30 per month. If you are paying more than that, then you are paying too much. You may want to consider getting your home phone, internet and cable all on one bill. Buying a bundle plan will help you save a lot of money. In fact, there are some bundle plans that only cost 99 per month.

Your Health Insurance Bill

The average annual cost of health insurance for a family of four is around 4,316 per month. The average annual cost of health insurance for a single person is 961. You should shop around for health insurance. You can also save money on health insurance by keeping yourself healthy.

24-06-2013
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A personal budget is the key to financial happiness for many. By crafting this budget and then sticking to it, many are able to free themselves from the binds of the paycheck to paycheck life. They become much happier with their station in life, and everything works out the way that it is supposed to for them.

Creating a budget starts with looking at where you are at right now. Pulling bank statements from at least the last six months is (more…)

17-05-2013
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Investing requires having extra money to put in your investments. To free up more money in your budget, you should develop one that you can easily commit to. One problem with budgets is most people think they are very restrictive. You can tailor your budget to free up as much money as you want. There are a variety of ways to save money on your living expenses.

There are also software programs that make developing a budget easy. Determine how much money you need for your investments. (more…)

1-04-2013
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Borrowing money can be a fabulous way to pay a few extra bills, and that is why so many people attempt to secure small loans when they are available available. There are many different ways to borrow small sums of money, and it is extremely important to understand the pros and cons of each way before settling. There are always positive and negative aspects to consider when anyone agrees to loan you any amount of money. Interest rates, payment schedules and much more should always be considered when making the decision to secure temporary funds.

Obtaining (more…)

6-01-2013
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Contrary to popular belief, you do not have to be rich to live debt-free. There are a number of things that you can do to get out of debt even if you do not earn a six figure income. Cancelling your credit cards is one of the most effective things that you can do to get out of debt. There is a quote that says, “If you want to get out of a hole, then you should stop digging.” You may be wondering, “How does that quote apply to debt?” Figuratively speaking, when you are (more…)

3-01-2013
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You should only file for bankruptcy if you do not have any other options. Contrary to popular belief, filing for bankruptcy will not make your life any easier. Even though you may be able to get all or part of your debt cancelled, you will have bad credit for a very long time. In fact, bankruptcy will stay on your credit report for 10 years. During that time, you will have difficulty taking out an unsecured loan and getting a credit card, apartment or house. Furthermore, you may have trouble finding a job because many companies perform credit checks on potential (more…)

31-12-2012
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Contrarians are those who believe that smart investors should invest their money in ways that differ from popular and conventional wisdom. When contrarians see full page ads that tout the value of certain investments, they usually stay away since they believe it may be too late to get into the game.

Gold could certainly fall into this category. In 1976, the price of an ounce of gold was close to 200, and for years, until 2006, gold languished around 400 per ounce. The subsequent (more…)

27-12-2012
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When figuring out what the true financial worth of a company really is, both hard and soft assets need to be taken into account. What are the differences between hard assets and soft assets?

Hard assets are those assets that have a set financial value. The value of hard assets must be included on a company’s financial statements.

Some examples of hard assets include cash on hand, stocks, bonds and other financial instruments. The real estate and buildings owned (more…)

24-12-2012
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