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Designer bag 101: payment types

November 30, 2017 Mary Merchant 0

If you believe that the luxury bags should be available to everyone who loves and appreciates them for style and quality. Then your belief is correct. but at time many women are not able to get their hands on a designer handbag due to paucity of funds. Most working women have a regular income, but that goes towards monthly expenses. But if they keep waiting to save money to buy that dream luxury bag then the deal may not be available by the time they have enough money. I prefer small Gucci handbags and if I find these at a good price and I am not able to buy then it will be a pretty disappointing scenario.

So one should strike the iron when it is hot and buy that luxury bag when it is available at a great price.  Most stores today offer various methods of payment. You can pay through your credit card and then slowly pay that amount back to the credit card company. But the interest rate could be higher. Another way is to use an online company that gives credit or loans to buy these luxury items. Such companies offer a loan at lower rates of interest, depending upon your credit history.

But the best way is to opt for layaway. All you need to do is to opt for layaway at the time of checking out. You need to fill a form giving all the required details. You can choose to make payments in a mutually decided time frame. The amount can be deducted from your account every month or you can choose to pay within 60 days. This way you are sure that the item will be available to you at the already decided price, though after some time. The terms and conditions are clearly defined mentioning the refund and cancellation policies of the seller and processing time and charges. So understand the pros and cons of the process and then buy the bag of your dreams even if you do not have the money right now.…

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Plan Your Own Funeral – The Funeral Guide That saves you Money

November 17, 2017 Mary Merchant 0

 

Creating a financial plan for your own funeral is important, because those last moments at the end of life and beyond do matter. The funeral costs can be expensive and that’s why planning a strategy that centres around finance is as important as those last moments with family.

Make those Last dying moments count

Many people leading up to the end of their life regret not creating some funds for taking the stress around a funeral into consideration. Dying comes all of a sudden in many cases and in other moments less so, but what is constant is the need for making sure the funeral costs are taken care of.

Some people need to have their family close towards the end of life and with that comes tension and heightened stress, so having all the unpleasant funeral guide plans out the way is a good plan for death.

A check List for End of Life planning:

  • Make sure your money has been disposed of and instructions have been placed for those to settle your affairs towards your death.
  • Make sure you state to family and care givers the way you want to be looked after towards the end of life.
  • Make sure the person who you want to speak and act for you upon death has been notified and all other family members have been advised.
  • Where is the place of resting and where would you like to die
  • Cremated or buried?
  • Who would you like to be notified that you have died.
  • Funeral ceremony
  • The party or celebration of your death
  • Make sure you digital passwords and login details are deleted
  • Leave a record that is either a written will or a visual record