Category Archives: Finance Advices

5 Reasons You Should Buy A Farm (Seriously)

farm

The thought of buying a farm will either intrigue a person or make a person run for the hills. It is true that maintaining a farm is hard work. However, this could be some of the most rewarding and satisfactory hard work you’ll ever perform in your life.

Owning your own farm has the potential to be one of the best decisions of your life. Not only from a fulfillment standpoint but also from a financial standpoint. So if you are on the fence about buying your own farm, here are five reasons that might just push you over the edge.

Doubles as Sporting Land

One of the first reasons you should buy a farm is that it can often double as sporting land. Chances are that if you are considering buying a farm, you have a kinship with the outdoors. Through this love, you also may have become infatuated with hunting game. There are a lot of farm lands that also provide ample wooded areas that provide a private hunting oasis.

If owning your own farmland that doubles as hunting grounds intrigues you, there are some main environmental factors that you should consider. First you want to take into account the variety of wildlife species. Even on your own private land, you still must abide by the seasonal hunting laws in your state. Therefore, with a variety of types of wildlife, your hunting season will be extended throughout different parts of the year. You should also try and note the amount and quality of wildlife species throughout the land.

If you are intending on turning your farming land into a hunting land as well, you also need to really examine the quality of the habitat. The variety of topography will provide you with different game as well as ideal hunting conditions. Additionally and most importantly, your land should include some natural water resources. Animals flock to areas with clean running water such as streams and creeks.

Finally, in order to use your farmland as sporting land, you’ll want to consider the tags permitted in the state as well as the adjacent properties to yours. Public lands can often be a deterrent for wildlife because they eventually catch on that that area is open for hunting. It also means the general public will be scaring off the animals that could otherwise relocate to our land.

It Can Provide Income

If you haven’t noticed by now, farmers markets are becoming a huge thing. They have only grown in popularity since the societal banishment of GMO’s and the adoption of buying local ingredients. This is a good thing both for society and for your potential farm.

The increase in demand for fresh, organic, local food sources has really increased the income potential of a farmland property. Consumers are not the only potential income source either. Savvy investors have also taken an interest in purchasing land that is primed for farming. They are willing to purchase the properties at a premium in order to generate income from the production of farm products such as crops and livestock.

Conservationist

Another reason to purchase a farm is to conserve the land. If the land has protected natural scenery or wildlife, this helps to sustain the value of the property. It can become incredibly attractive to investors. If you purchase the land with the intent to conserve specified natural resources you can potentially benefit from easements that provide you with a financial benefit. These easements can include federal income tax breaks for donations, real estate and valorem tax breaks, estate planning and family heritage preservation, and land value improvements due to protected lands that are adjacent.

Self-Sufficiency

Another reason you should seriously consider buying a farm is self-sufficiency. Have you ever just stopped to think about how much you rely on other people to survive? This is not to say that relying on other people is a bad thing. People rely on people all the time for a quandary of things. Whether you hire an accountant for your taxes or rely on your hair stylist to recommend a new cut, relying on the expertise of others can be a positive thing.

However, you also rely on your local grocer to provide you with your food. Alternatively, you may rely on a multitude of local restaurants for your meals. These are absolutely needs to survive. Your social life may be affected if your hair turns out horrid, but if your grocer stops stocking its shelves, where will you turn?

A farmland can be a way to become self-sufficient, at least for providing you with one of life’s most basic needs.

Land is in Demand

Finally you should consider buying a farm because land is in high demand. As stated earlier, investors are swarming to opportunities to farm large acres of land. Most of these are turned into real estate developments or some form of commercial production. If you purchase your plot of farmland, you have the potential to seriously make a return on investment in the long run. The world population is growing at an exponential rate. Other than protected lands, you can certainly expect any undeveloped areas to eventually become developed. When those developers come looking to purchase land, you want them to be knocking at your farm door.

What is cruise protection insurance?

What is cruise protection insurance?

For many people, a cruise is a one-off holiday of a lifetime. For others, cruises are the only way that they will travel. Whatever type of cruise you are planning  – and there are many to choose from short breaks to longer cruises – here are some of the things that you may want to know about cruise insurance:

  • essentially, it provides financial protection in a range of scenarios. It is similar to a standard travel insurance policy, but it also provides cover for events that are unique to cruise holidays;
  • different cover is provided for different values of cruises. If you are going on a round-the-world cruise on a luxury ship, the overall cost is likely to be greater than a three-day cruise;
  • specialist providers such as BengoTravel typically provide different levels of protection, ranging from £1,000 to £20,000 or more, so you can get the cover that meets your needs.

Insurance may also provide protection for individuals, couples or groups. You will need to decide which is the most suitable for your circumstances. You may even be able to find cover for single-parent families if this applies to you.

 

 

Medical cover

One of the things that cruise protection insurance typically covers is specific medical care cover. This is because when you are on a cruise, you are in a different situation compared to being on land, and you may need special cover.

For example, although the on-board doctor is there to provide assistance, in the event of a serious injury or illness, you may need to be hospitalised. Insurance may typically cover the cost of being transported by air from the ship to the nearest land-based hospital. As you can imagine, this can cost a significant amount of money, money which you would have to find yourself if you did not have insurance.

Other elements of protection

Many policies for cruises may also provide cover before and after the cruise. For example, if you are flying to the departure point, you may want to make sure that you are covered for missed departure, delays, airline failure, lost and stolen belongings, and more. Depending on the policy, these may all be covered.

Also check the activities that are covered. Although you will spend a lot of time on the cruise, you may want to take part in various activities when you arrive in the ports. These could include swimming in the sea or something more adventurous like going on a hike. Most insurance providers will have a list of activities that you are covered for, so make sure you know what these are before getting involved in anything.

When reporting recently on things that could invalidate your travel cover, BT highlighted adventurous activities like paragliding and bungee jumping that are often not included. So, if you take part in an adventurous activity and you are not covered for it, in the event of an accident you may have your claim for treatment costs denied.

If you are going on a cruise, whether you take out insurance or not is completely up to you. Many people find that it gives them greater peace of mind to enjoy their holiday knowing that they are covered in a range of circumstances, but the choice is yours. If you do decide that you want cover, look over these details and consider the type of policy that you may need, then start your search.

How to Earn Money with Bitcoin Exchange

Bitcoin Exchange

Bitcoin is similar to any other form of currency and the only difference is that it is digital. You can save, spend, and invest your bitcoins. Bitcoin is considered one of the most used crytocurrency since it was introduced in 2009. It earned even more popularity when its value increased significantly to $266 from $2 between February and April 2014. Its market valuation was over $2 billion during this period.

 

It is possible to earn money through Bitcoin exchange. The exchange process is similar to what happens during physical currency trade. When it comes to physical currency, its value is largely influenced by a country’s financial and economic health. This also applies to Bitcoin but the difference is that the value is determined by how much effort your computer makes. You can trade this currency just like any other commodity.
There are some cryptocurrency exchangers such as ALFaCashier that you can use for exchange. ALFACashier is a popular currency exchange service that offers an affiliate program for people who want to exchange Bitcoins. The service offers a VIP level for highly active affiliates. With this level, affiliates get about 20% off every referred conversion they make in future. The affiliates also get complete banners in different formats that they can use on forum posts and web pages. With a VIP status an affiliate can generate regular passive income by simply referring new people to the service.

 

Bitcoin Exchange - Illustration

Bitcoin Exchange – Illustration

If you are a smart investor, it is possible to make a huge amount of money by transferring money around the different markets. But you also need to be very careful because it is also possible to lose a lot of money in the process.
If you are thinking of starting Bitcoin exchange, it is important to determine if there is demand for this currency. Your success will depend on whether there are people who are interested in using Bitcoins. You need to identify good contacts as well Sending and receiving currency can be a challenge in some regions and this creates a perfect opportunity for you to earn money through Bitcoin exchange. You get to decide how much you will buy and sell your Bitcoins for but it is necessary to look at what other people are offering to give you an edge.
The Bitcoin values tend to fluctuate several times in a day. This means that you have to be very careful and ensure you make transaction orders at appropriate times. You can make significant loses if you fail to watch the changes in value carefully.
The Bitcoin market is very volatile and this means that most investors prefer to offload their currency as fast as possible to prevent huge losses in case of a crash. There have been talks of regulating the Bitcoin market to eliminate criminal elements who may take advantage of investors. If this happens, the Bitcoin markets will actually becomes safer and this will encourage commercial interests. Some investors consider the imminent regulation as the end of the Bitcoin but this is not the case. Regulation will actually help to reign in on the wild fluctuations in terms of value. This might help to reduce big crashes and make it safer for investors to exchange this currency.

Protect Yourself from Card Fraud

Card Fraud

We live in a world where everything is supposed to happen instantaneously. We microwave our food to piping hot in minutes. Access information in seconds that once required hours of searching through library shelves. Purchase goods online with a few clicks of the old mouse, and pay for purchases from our local merchants with the swipe of a card. We even get irritated when the shopper in front of us has to count out cash, necessitating in a clerk – who has never learned the simple task of making change – looking at the register to find how much change to give back. And heaven forbid ending up in a checkout line behind someone who has the audacity to write a check!

Along with the wonderful convenience of being able to pay for our purchases with a card, however, comes the risk that some unsavory character might find it equally convenient to grab our card information and make his or her own purchases without having to deal with the inconvenience of paying for them. As a result, card companies and merchants have made use of numerous safeguards to protect us from becoming victims of fraud. Unfortunately, when we find new and better ways to protect ourselves and our customers from criminals, those criminals find new and better ways to work around our safeguards. The final responsibility for protecting ourselves falls right back in our own laps. Here are a few things you should do to protect yourself, just in case one of those smart criminals targets you.

  • Keep close track of your cards – Never leave a card sitting on the counter at checkout. All a criminal has to do is glance at and memorize the card number and watch you enter your PIN number (for a debit card), and your card is theirs for the using. Some criminals even work with store clerks to scan and store your card info as you check out. The new Radio Frequency Identification (RFID) cards are especially easy to copy by thieves with readily available portable scanners.
  • Keep your receipts, and make certain that clerks file their copies securely – for the same reasons as above.
  • Check your card statement online – It’s a good idea to have a peek at your online statement on a regular basis, comparing ledger items against your purchases. If you notice a purchase or withdrawal that you didn’t authorize, notify the card issuer or card protection agencies immediately and report the discrepancy. Here is the contact information for the card protection agencies:

Sentinel ® Gold

Affinion International

Charter Court

50 Windsor Road

Slough SL1 2EJ

Tel: 01753 828 600

www.sentinelgold.co.uk

CPP Group Plc

Holgate Park

York

YO26 4GA

Tel: 01904 544525

www.cpp.co.uk

Finally, if you use a debit card to pay for purchases, select Credit rather than Debit when you scan your card. Credit card processing includes additional safeguards against fraud, and while those safeguards aren’t foolproof, you need to use every tool available to make it harder for criminals to cash in on your account. As too many people have learned the hard way, skipping even simple steps can prove quite costly and frustrating. Not to mention far more inconvenient than standing in line behind someone who is writing a check. You might even find that you’re more sympathetic to those people in line ahead of you that cost you a few precious minutes while they pay for their purchases in such an archaic manner. Perhaps they know something, or have been victimized themselves.

Driving Abroad and Cabotage

Driving an HGV abroad comes with a number of different challenges compared to driving in the UK.

There are a number of important things to know about, one of which is the practice of cabotage. Here are some things to keep in mind regarding cabotage and what it means for you when you drive an HGV overseas:

  • cabotage is where a vehicle registered in one country picks up goods in another country and deposits them within that same country;
  • there are rules in the EU states that govern how often cabotage jobs can be carried out. The current rules state that only three cabotage jobs can be carried out during a seven-day period starting when the international transport is delivered;
  • drivers who want to carry out cabotage deliveries in different member states to the one that they initially delivered their cargo are only allowed to carry out one delivery as opposed to three. In addition, you must carry it out within three days of entering that country without cargo;
  • you will require Community Authorisation in order to carry out such jobs, and you get this automatically when you receive your standard international licence;
  • for a list of EU states where cabotage is allowed, see the Gov.uk page that provides more details;
  • you may also have to pay VAT on your cabotage job in the state where the journey is made, so you must find out about the rules for that country before you make your delivery;
  • you should also know that you can lose your right to carry out cabotage jobs if you breach any safety rules.

There are other things that are important to know when you are driving abroad. The government has some excellent information here, and another good source of information is the Road Haulage Association (RHA) website. Some of the most important things include:

  • check for the legal regulations in the country or countries that you will be driving in because they may be different compared to the UK. For example, you may be required by law to carry a warning triangle, fire extinguisher, reflective jacket or snow chains among other things;
  • make sure your insurance covers you for overseas deliveries before you set off, and that you are covered for the particular country you will be travelling in. If not, compare HGV insurance policies to find a suitable one;
  • Low Emission Zones (LEZ) are used in towns and cities across the continent. If your emissions are above a set amount, you will either be refused entry or charged, so find out in advance about the requirements;
  • in order to avoid problems with LEZs, you will need a reduced pollution certificate (RPC) to show that you are permitted to enter. As well as this, you should take other documentation including a vehicle tax disc, V5C, insurance certificate and MOT;
  • you must also have a CMR note when delivering goods abroad on a commercial basis, which demonstrates that you have a contract from the supplier;
  • be aware that the maximum gross train weight (GTW) on Europe’s roads for UK-registered vehicles is 44,000 kilograms;
  • in some countries, there may be limits on the days and times you can drive. Contact the British Embassy in your destination country to find out whether these will affect you.

If you drive an HGV abroad, know the rules before you go. Find out about cabotage and all of the other country-specific requirements in advance and enjoy a safe and hassle-free experience driving overseas.