Solar Investment – How Long Is The ROI

Solar Panel Systems
Solar Panel Systems

Investing in solar energy creates new opportunities to increase household savings and save the environment at the same time. Different factors determine how much can be saved for households using solar energy. Such factors also determine the length of time it takes to gain adequate return on investments. Return on investment of solar power systems are, among other factors, affected by property characteristics, electricity rates, solar renewable energy certificates, financial incentives. Continue reading

6 Ideas to Boost Funds for Your Wedding

It’s no exaggeration to say that planning your wedding should be one of the most exciting periods in your life. While there are no rules about how much a wedding should cost and it’s absolutely possible to have a magical day on a tight budget, it’s a shame when you have to compromise on your dreams because you’re strapped for cash. Whether it’s the budget for the dress, the cake, the photographer or the reception, sometimes just a little extra money could enable you to take an aspect of your wedding to the next level.

If you are looking for ways to make some extra cash before your wedding, here are six ideas to get you started.

Pet-sitting in your local community

Pet-sitting for people in your area, and for friends and family, could be a great money-earner for you. If you love being with animals it won’t feel like work at all! You can even do it in your own home on a schedule which suits you as many people are happy for you to keep their dog at your home, as long as they have company and get the care they need. Take a look at Petsitter.com to advertise your dog-sitting services or Care.com is great for cat and dog-sitting.

Babysitting

Depending on how confident you are with children, you might want to do some babysitting in the local community. It’s a great way to earn some extra cash at the evenings and on the weekends when babysitters are in high demand. If the kids are old enough, you could even get them on board with some handmade wedding decorations as a fun craft project. Online sites like SitterCity.com are great places to advertise.

Place some bets or play online games

If you’re feeling lucky you might be able to spin yourself some more money by placing some careful bets on a website like Unibet or another kind of online game which rewards you with money. It can be a fun way to generate some extra cash, but it should always be approached with caution and responsibility. You may even be able to win prizes or a honeymoon which could make the start of your new life a little bit more luxurious.

Rent out your spare room on AirBnB

Why not rent your spare room or, if you’re heading away on a trip, rent out your home for someone who needs accommodation in your area? AirBnB is an international service which enables homeowners to earn income in a safe and regulated way for as long as you want to. Find out more on AirBnb.

Take on some freelance work

Do you have a talent or skill which could be of use to others? Perhaps you’re a musician or an academic who could tutor children, or you have skills in writing, designing or marketing? Some people who run their own business are in need of virtual assistants who can help the with administration or organization. You can post your availability on websites such as Elance.com where people go to look through for people with the skills they need.

Sell what you don’t need or want

Everyone has furniture, clothes, technology or other valuable items which they don’t use anymore. Gather up all of your items and post them on eBay or perhaps Craigslist. You’d be surprised what other people will pay for what seems to be junk to you.

How to Save Money With Your Bank Account

As history has shown, a bank account isn’t always the best way to build a nest egg. Inflation and sub-par banking practices have forced many to adopt other mediums of finance such as cryptocurrencies. Many, however, still believe that their bank account is a secure medium for saving. To maximize the benefits of maintaining a bank account, several methodologies (albeit unconventional) must be adopted. Continue reading

Life Insurance for seniors, Product Types and Best Options

For most of our young life, we are energetic, full of life, and more likely to avoid life insurance. After all, why would we be so pessimistic in the prime of our lives? Unfortunately, this period flies past fast, and all we are left with are frail bodies and frequent trips to the doctor. Life insurance coverage becomes a necessity at this time.

Seniors encounter countless health problems, and their morbidity risks are elevated. For this reason, it might be difficult for this section of the population to acquire a life insurance policy. Usually, an insurer assumes the risk of the policyholder and is supposed to compensate for the moment something bad like a death happens. Therefore, underwriting a policyholder who might die at any moment is quite risky. This explains why some insurers deny insurance for some seniors. 

This is not to say that seniors cannot access life insurance coverage. In the US, a great number of insurers offer coverage to seniors as old as 80 years old. It is upon the senior to find the insurer with the most suitable policy which caters to one’s specific needs at a cost that one can comfortably shoulder. To be sure, seniors find it hard to access life insurance coverage due to their age. At that age, most seniors are not of good health. Also, some seniors might have pre-existing conditions that could be chronic. Nonetheless, insurance coverage is available, and this article will show you how to access the cover.

Product types for seniors’ life insurance

Senior citizens in the US can access Medicare and Medicaid programs run by the federal government. Notably, Medicare is divided into four parts, where each part ensures a specific healthcare need. The first part takes care of hospital insurance. In particular, this covers home healthcare as well as hospitalization. 

The second part of Medicare includes medical insurance. Here, visits to the doctor and X-rays are covered. However, this plan is premium, unlike the first part, which is free. The third part of Medicare provides better care, but it comes at a higher cost. Lastly, part four of Medicare includes coverage for prescription drugs.  

Nonetheless, seniors have the option of opting for private insurers for a wider scope of coverage. The private sector provides various types of coverage which include:

  • Term life insurance coverage

Term life insurance, as the name suggests, offers coverage for a given period of years. For seniors, the most popular term is ten years. This type of insurance is cheaper in terms of premiums payable. However, this coverage might be pocket-friendly but does not come with any cash value.

  • Whole life insurance coverage

As long as you pay the premiums, you can enjoy this coverage for the whole period of your life. Additionally, this coverage comes with the possibility of growing cash value.  However, the premiums payable here are much higher.

  • Universal life insurance coverage

This policy operates more like the whole life policy in that it is permanent. The difference here is that the policyholder can vary the premiums payable. In addition to securing your life, this product type could be a means of saving.  

  • Final expense insurance coverage

This one is a kind of proactive planning where you take care of your funeral expenses early on. The point is to take away as much burden as possible from your dependents. As such, this product type offers to offset expenses during your final sendoff. This tends to be the best type of coverage for seniors over 50.

Best options

The product type, which is the best option depends on what you want and your ability to pay the premiums. Luckily, there are numerous online platforms where you can compare quotes. The benefits of such platforms are that you will be able to find the most affordable and convenient insurer according to your needs. Also, such platforms enable a potential policyholder to see reviews about certain product types. The information is critical in ensuring that one chooses the best coverage option. Some of the best coverage options for seniors include:

  • Guaranteed universal life insurance coverage

In principle, this product is similar to whole life insurance coverage. Just like whole life insurance, one is able to grow a cash value for as long as the policy is active. However, the difference comes in the cost of premiums. A policyholder will pay far cheaper premiums in guaranteed universal life insurance coverage as compared to whole life insurance. If you want to help offset your final expenses without having to take the final expenses insurance, this is the option for you.  

  • Term life insurance coverage

This policy is ideal for seniors who are certain they will not last past a given period, say ten years. The most attractive aspect of this option is that it is the most affordable. Also, policyholders have the option of converting the policy to permanent coverage. As a downside, a policyholder’s dependents do not get anything in terms of compensation from the underwriter in case the policyholder dies after the expiry of the term covered in the policy.  

Speak with a professional 

At the end of the day, you’re going to want to work with someone who can help you navigate the deep waters that come with shopping for life insurance. Working with an independent agent is the best way to get that done. 

How to Properly Make Money on Your Dating Blog

  1. Affiliate programs

One of the most promising options for how to make money on a blog is to attract affiliate programs. Their essence is in promoting other people’s products and services by using referral programs. The topic is so interesting that it deserves a separate detailed article on its own. But, for now, I will do my best to cover this topic in a few sentences.

The essence of an affiliate program is that you advertise other people’s products or services on your blog. After the user clicks on a referral link and makes a purchase, you will get some profit out of it. You are attracting new customers to their product and may even get your own code that will make a purchase either cheaper or more convenient for a customer.

  1. Ads

Now let’s talk about advertising. Moreover, there are several types of it. While, of course, affiliate programs are more profitable, why not get some additional passive advertising revenue if there is such an opportunity?

Contextual advertising. This is what users most often see on sites. Earnings from contextual ads are charged for user clicks. That is, if a reader of your blog clicks on an advertisement, you will be rewarded.

To earn in this way, you need to connect your website to an advertising network. There are two popular networks: Yandex Advertising Network and Google AdSense. First, you need to register on a network, wait until your site passes moderation, and then install a certain code on your site. It is thanks to such a code that advertising will be posted on your site, and you will start earning money.

And again, the user will not get something concrete, some particular piece of advertising – they will get a contextual ad depending on their search history. If a user is interested in dating, it is only fitting that they will get an ad for a female singles dating site.

Teaser ads. It is similar to context ads, but it is different. The name says it all – it teases and lures a user to click on it. The main task of teasers is to attract users to a specific site they advertise.

Surely, you have seen ad units where either shocking or interesting information was displayed a couple of times in the past. Some of these adds are not that attractive, but they still work. This is because these units are comprised in such a way as to affect people to click on them. Payment is charged for every redirection – after the user clicks on an advertisement and goes to an advertised site.

Banner advertising. There are two possible options. You can either get connected to a banner network (and it will automatically display banners on your site), or you can arrange these deals directly.

If an owner of a banner gets some profit from it, then it is quite likely that they will continue on using it.

Whether you can draw banners yourself, take ready-made banners directly from an advertiser, or use special services. This option on how to make money on your blog allows you to get a good extra income.

Promotional lines or links. This is quite a simple one – you just have to post links or certain lines of text on your site.

  1. Posting promotional articles

Now I will tell you how to make money on a blog by publishing promotional articles. This is yet another common type of making a profit by using a blog. For example, these may include detailed (and, of course, positive) reviews of:

  • projects;
  • services;
  • gadgets, etc.

Such an article can be, written by you personally or provided by an advertiser. There are no certain rules; everything depends on a case-to-case basis.

Usually, advertisers themselves go to blog owners, offering them collaboration on certain conditions. If you are not satisfied with the condition of such a deal, do not hesitate to tell them reasonably the terms of work that you would prefer.

  1. Selling space in articles

The essence of this method of how to make money on a blog implies selling a place in already written articles. For example, this is one or two paragraphs devoted to:

  • a product;
  • a service;
  • a company.

Naturally, everything should be thematically combined with the article in which you are selling space for advertising text. And it should look quite harmonious in the context of an article.

  1. Selling active/indexed links

This implies placing indexed links to other sites. This method will be easy to understand to those people who have at least basic knowledge of SEO optimization and understand what the link mass is.

In short, I will say this – the more sources refer to a site, the more popular it looks in the eyes of search engines and customers. And the higher it is placed in the search results. Site owners are looking for webmasters who are willing to post links for money.