CSS Partners- Your Journey For Secure Future Starts Here!

Investment is something which is highly required for everyone and needs to be done after understanding and analyzing the market. The world of investment has its own terms and terminologies. Unless and until you have gained the knowledge to understand these terms, there are many chances of losing the hard earned money. You will surely remain tongue tied if you have made a heavy investment without understanding anything about it. It is because investment world is very mysterious and requires the guidance of experts.

For every newbie investor here’s a set of guideline for finding the best investment partner. No matter how many positive reviews it has; unless and until you yourself give your 100% in knowing the company there will be many chances that you will be deceived of your money.

  • Search

Make an intensive search over internet or collect information from your friends and relatives who have a prior experience in this regard. List all the investment companies near to your locality; where you can easily contact them regarding any query.

  • Contact

This is the second step towards a healthy investment. Contact the company in person. If it’s impossible to cut out time from your busy schedule, call them. The main intention behind this is that, through communication you can get to know the amiability and customer care services of the company. The more amiable is a company more is its expertise in the given field. Unless and until a company is that experienced, it will not have sufficient patience to listen to the queries of the people.

  • Go through the feedbacks and reviews

This plays another important role. Have a look on what other customer have said about it. Go through all the positive and negative reviews. It is because many a times it happens that customers do not always give justified negative reviews. Hence you should not weight the genuineness of a company on the basis of the number of positive and negative reviews.

If you are planning for investment it is highly required that you choose the right agency for investment. CSS Partners stands tall in the investment market as one of the most reliable and trustworthy investment companies. It is an established investment company housing number expert professionals. A great place to start with! You can usually expect the best of the best services from a genuine service provider like CSS partners. It provides generic guidelines to all its investors on monitoring and assessing the investments. It keeps the clients updated with the investment strategies.

So, if you really want a healthy investment and a secure future, get along with CSS Partners!!

How To Save Money On Your Monthly Bills

With gas and electricity prices constantly on the rise, household bills can be a nightmare for anyone on a tight budget. But while we can’t change the cost of utilities, we can take measures to cut down  the amount of money we spend on household expenses and make sure there are no nasty surprises at the end of the month.

As well as being good for the environment, being careful with the amount of gas and electricity you use can save you money too. Make sure lights and sockets are switched off when not in use, and only heat your home when you really need to. You might also be entitled to free insulation or a more efficient boiler if you come within a certain income bracket or receive benefits – check with your local council to find out what you can claim. Better boilers and insulation can save you hundreds of pounds on your household bills every year.

Another way to save money is to spend some time checking out coupons and online deals. Sites such as Groupon and LivingSocial offer all sorts of deals on everything from eating out to groceries in your local area and they change regularly, so keep an eye on them to find out what you could save. You can also save money on entertainment and days out, essential items particularly for those with children. Check your local and national newspapers for deals on things like holidays and days out, or take advantage of the free things to do in your area like museums, parks, outdoor concerts and more.

It’s also a good idea to make sure you’re not paying over the odds for insurance on things like cars, home contents and mobile phones. There are many sites out there like moneysupermarket.com that allow you to compare providers and get the best rates on your insurance policies. Also, make sure you check again when your insurance comes up for renewal – the company offering the best rate last year might not be the cheapest the next time round. When booking things like travel insurance, think about what you actually need. If the most expensive thing you are taking with you is a cheap digital camera, you probably don’t need extensive cover on personal belongings. Shop around for the cheapest deal that matches your requirements.

Another big expense at the end of the month is often your telephone bill. While more and more people are choosing mobile phones over landlines these days, it can still make sense to have one installed. Many internet providers offer landline deals alongside broadband connections, and you can save money by using them to call other landlines and 0845 numbers, which can be expensive to call on mobile phones. When using your mobile phone, save money by looking closely at how and when you use it. Just want something for calling and texting family and friends? A pay-as-you-go phone may be a better financial decision that an expensive contract if you don’t use your phone that often. You can also save money on international calls by signing up with a specialist provider. These companies offer great deals for those calling Pakistan, India, Africa, Eastern Europe, North and South America and more, with some offering international calls from as little as 1p a minute.

We all know how it feels to struggle to make ends meet, but by following these simple tips and making intelligent choices about your household bills you can take the pressure off and maybe even save enough to splash out on a well earned treat.

Using Property to Leverage Funds

Leverage is a term used a lot by property investors, but it is not fully understood by those new to buying properties to let. However, leverage is a term that describes the amount you can make over the amount you borrow. Leverage is the best way to maximise you return on investment, but it is not without its risks, and understanding them is the key to doing well in the property market.


Many people assume that buying a property for cash is going to be a far better investment than borrowing money. After all, with a cash payment you have no interest charges to pay, so everything you earn in rent is profit (minus expenses). However, this is not necessarily the case. For instance, if you buy a house for £200,000 and rent it out for £2,000 a month, you will earn £24,000 per year (minus expenses). This equates to 12% of your initial investment. However, if you borrow money to buy the same property, placing down a deposit of £40,000, you will earn the same £2,000 in rent. Of course, you will have to pay your loan repayments. However, with a 6% interest rate, plus the principal repayment, a £40,000 loan repayable over ten years will cost about £6,400 a year (£4000 principal plus £2,400 in interest), leaving you with about £17,600 from the annual rental payments. This may sound like a worse investment compared to the cash deal, but when you look at the percentages, rather than being 12% of your initial investment, £17,600 equates to a whopping 44%. This is why leverage represents such a good investment method for buying property.


One mistake many people make when using leverage to make a property investment, is assuming the house price will continue to rise over the length of the loan. This may not be the case, and if you fail to anticipate a fall or stagnation in property prices, you may find yourself in negative equity, especially if you are planning on rising house prices to help pay off your loan.

Leverage is also risky if you fail to get tenants into your property. When you are not earning rent, you still have to make your loan repayments, which could get you into trouble if you don’t find tenants quickly. When using leverage, always ensure you plan for every eventuality. Buying the right property in the right location is key when it comes to a successful leverage investment.


As with any investment, getting the best deal is important for buying property using leverage. Always shop around for the best interest rates and ensure you take into account any fees and charges, especially if you are adding these to the loan amount, as this can reduce the yields you may make. In addition, make sure you have plenty of funds for servicing the property. You may have to do some building work or renovations before anybody can move in, so you need to ensure you can cover these costs, otherwise you may find yourself having invested in an empty house.

Unsecured Cash To Secure Your Finances

Are you struggling to keep up with the sudden rise in medical expenses, unreasonable car repair bills or late fees on credit card bills? Financial crunch nowadays is quite a common problem. Payday cash advances might just be the solution you need. Two things you need to keep in mind though. First, payday loans are for relatively smaller amounts and second, it generally doesn’t have long payback duration. People at times are hesitant of applying for a payday loan because they don’t understand the process and the features it provides. Are you on that list? Let’s brush up the why’s and how’s then, through a FAQ format.

  • What exactly are payday loans?

To put it very clearly these are unsecured quick cash advances that you can use while experiencing temporary financial roadblocks. The payback terms are regulated by a certain annual percentage rate (APR) to prevent lenders from extracting exorbitant interest rates from loan applications. Don’t sweat over the word unsecured. Payday cash advances are often termed as unsecured cash advances because repayment terms are not linked with borrower’s paycheck although it requires the consumers to have a previous payroll or employment detail.

  • When do you apply for payday loans?

The answer to this question depends entirely on your needs and decision. Primarily, payday cash advances are for small amounts ranging from a few hundred bucks to a few thousands. It is important to note that application of payday loan is advised only for a brief financial shortage. Long term benefits might be availed only when you decide to activate the “roll it over” option. This feature enables you to avail the benefits of the payday loan for longer periods but the payback amount will continue to accumulate at the same interest rate.

  • What expense can you expect?

Payday cash advances are known to be quite expensive considering the APR levied. Though the APR depends on the concerned state or the location where the transaction is taking place but it is reported that usually you have to pay an APR of over 40% on the loan amount. This is another good reason why payday loans are only recommended for short term usage.

  • How to apply and obtain the funds?

Let’s look at both the options available, online and in store that is.

Online: Well, this starts with a few simple steps, filling up the required details, providing the information required which might include uploading a photograph and scanned signature to sign the contract online , and then just click the submit button or send the downloaded form to the email address provided. The funds applied will be transferred to your active bank account mentioned ideally within one business day. You might avail the online payback facility to refund the amount within the stipulated time.

In store: Once the offline application gets approved you can avail the funds immediately. But before you get hold of the funds you need to sign a check stating the full repayment amount and the fee requested by the lender. The lender will cash in the check only when you are ready to payback.

 Make sure you do your math properly because if your plans to borrow are not chalked out properly the high APR levied payday loans might aggravate your fund shortage. Sort out the best in the business and choose wisely according to your needs and meticulously analyze the repayment options to optimize your fund utilization.

Will Banning Payday Loans From The High Street Be Enough To Stop Debts Mounting?

Ed Miliband, the leader of the Labour party, recently spoke of his plans to give local authorities in the UK more power to ban payday lenders, pawnbrokers and even bookmakers from town centres in the country.

The idea was a fundamental pillar of his political party’s local election plans and he wants to protect people from what he called “extortionate” rates of interest.

Speaking in Ipswich, the MP said that high streets are an important part of the British community and some have deteriorated in recent years as more shady businesses look to take advantage of people’s precarious financial situations.

Payday lenders are providing short-term, but extremely high interest loans to people who are struggling to make their salaries last from month to month.

This means that British consumers are paying large amounts of money just to keep enough cash in their accounts to cover direct debits and bills before their salaries replenish their funds. However, the high APRs – often way more than 1,000 per cent – can lead to unsustainable debt issues – particularly if a person misses the first payment.

Mr Miliband said that due to the state of the UK’s finances and the tough times that many people are facing, payday lenders have become some of the fastest growing businesses on the high street.

He said: “In hard times, it is no wonder people turn to them. But often they just engulf people in debts that they cannot pay.”

The leader of the opposition explained that at the moment consumers are sometimes left fending for themselves as many councils believe that they do not have the remit to “stand up for local people.”

He proposed that in order to tackle the issue that is seemingly crippling both the high street and people’s budgets, local authorities should have the powers to say what shops can start trading on their streets.

Mr Miliband’s comments came after the Treasury outlined its own plans to deal with payday lenders last month.

From 2014, the Financial Conduct Authority will have more power to restrict payday advertising and the Financial Services Authority will assess whether there are gaps in the current legislation that make consumers more vulnerable to problems caused by the lenders.

Debt Legal’s Jonathan Matthews has been helping people get out of debt for almost ten years and he has seen the problems that payday loans have caused since they became more widespread.

He believes that it is a frightening case of affairs that more and more of these lenders are opening up on the high streets of Great Britain.

However, Mr Matthews said that although many people do get extremely high interest loans from the high street, more access the services online, so any form of regulation would need to be on both a community and a digital level.

He said: “It is all too easy to take out a payday loan, but it can be very difficult to pay them back and the high interest charged means that debts can spiral out of control.

“Consumers should be very wary about getting out of debt or avoiding money issues by taking out more credit – especially when it comes at such a cost.”

Keeping Your Office Cool In Summer With The Right Cooling System And Handy Tips

There is no doubt that the costs involved in keeping your office cool for workers, it’s an OHS requirement you know, in the summer months are a huge expense to any business. Whether it’s a small retail space, or a large office building, the costs associated with temperature control are very high, not to mention damaging to the environment when used excessively. To help you choose the right cooling system for your workplace and keep costs down, we have put together a few tips for you.

Choice of Cooling

Choosing the right Cooling system is the most important component when trying to control costs related to temperature control in the workplace. Hydronic systems are becoming more and more popular as cooling solutions as they work with existing plumbing systems, meaning you don’t have to overhaul the whole building just to install a quality air conditioner. Companies like GreenHeat offer hydronic cooling systems that will reduce the running costs of air conditioning your building. Keeping a comfortable temperature in the workplace when it’s sweltering hot outside also helps to increase worker productivity because they will feel comfortable and safe from the outside elements.

Eco tips

There are also ways to reduce the amount of spending just by being smart about your energy usage. Air conditioners work hard to keep the room cool, so the best way you can stop them from working over time is by trying to keep the work environment free of any possible excess heat.

Computers contribute a huge amount of heat, even when they are not being used, so it is important to remember to turn any unused computers, printers and appliances off when they are not in use so they aren’t emitting any excess heat.

Invest in heavy window coverings to reduce the amount of heat entering the building through afternoon-sun-facing windows. They will help keep the building insulated and cool day after day, so the air conditioning system won’t have to work so hard to cool the place down in the mornings.

If you work in a smallish office building, one less that 2 storeys high, you could consider installing a cool roof system that uses reflective materials to lower the surface temperature by up to 100 degrees! Also newer light technology emits less heat than the old style, especially downlights, so fit new “cool” lights in to reduce their heat. Another key tip is not to have your air conditioner set at the coldest temperature, that makes them work hard, costing you money. Keep it on a comfortable room temperature that is cooler than outside, but not equal to a freezer. Keeping these things in mind, you should see an instant reduction in your utility bill costs!

How to Invest Your Money the Right Way

One of the most popular financial strategies to making money grow is to invest.  Many have the belief that investing involves great amounts of cash.  Investing isn’t only for wealthy individuals.  Shares can be bought for as low as $20.  It’s actually a good idea for new investors to learn by starting with smaller amounts.  Some people will invest in real estate and increase their profit by selling it themselves or going with a low commission real estate agent. This article will give you the steps and tactics to investing in the most safest and advantageous ways.

Preparing for Investments

There are a few important steps to take before investing.  The last thing you want to do is invest away all your life savings.  Prepare by setting aside amounts of money, after taking care of your living expenses.  It’s best to save a few months of additional living expenses. If you have high interest debts, check to make sure the interest rate you will be receiving through investing is higher than the interest rate of your debt.  If not, it would be wise to first pay off your debt.  Finally, it is important to learn about the numerous investment options before deciding on which is best for you.

Invest Your MoneySmall Investments

If you want to start off by investing low amounts, it would be best to look into Dividend Reinvestment Plans (DRIPs) or Direct Stock Purchase Plans (DSPs).  These allow you to buy stocks directly from companies without having to pay any commission.  It is important to take account of trading fees depending on whether you plan to trade often.  Another option would be to invest in mutual funds with lower minimum purchase requirements.

Investing in the Hundreds

If you’re looking to invest a few hundred dollars there are a few different options.  One option is to invest in an index fund1.  Mutual index funds track the market and returns a specific percentage each year.  Again you can find a mutual fund company yourself and you will not have to pay commissions.  Index funds give you the option to add money or stop investing at any time.  Make sure to look for index funds with a low expense ratio, in order to increase your benefits.

Another option is to purchase shares via a discount brokerage account.  This will work best if you plan to hold your investment for a few years.  With smaller amounts it is not best to look for profits via short-term price swings due to the commissions you will be paying.  You can also consider investing in a certificate of deposit (CD).  CD allows you to invest your money for a specific amount of time at a fixed interest rate.  CDs can run from months to as long as five years.  Since you are being paid interest for the amount of money you loan to this institution, the more money you invest, the higher the interest rate will be.

Investing in the Thousands

If you are looking to invest in the thousands you can also consider index funds and brokerage accounts.  If you are ready to invest a few thousand dollars, you will be able to pick various stocks to spread your money across in brokerage accounts.  You can also learn to make profit off short-term price swings.  If you are looking to invest $5000 or more you may also look into retirement accounts.

One of the main purposes of saving money is to invest.  However, since invested money is not always accessible at any time, it is important to make sure you set aside enough money to cover living and other expenses.  And, as we all know investing may also lead to money loss.  Investors should be able to handle money loss and should not invest their money if losing it will damage their life.

About the Author: Shahini Sirikantharajah is a contributing author to One Percent Guys. an agent for low commission real estate.  She is an engineering graduate who likes to write, perform research and help simplify the lives of humans.

Managing Personal Finance Has Never Been Easier

If you are one of those millions of individuals having to manage personal finances, you may find it the least enjoyable work in the world. It is a gruesome task requiring much of your attention and time but there is no way to walk out of your obligation. This is because, personal finance management is crucial to ensure good financial health and wealth for your future. Need guidance? Well, you may seek guidelines from the experts or browse through the finance websites for updated information regarding market and potential investment opportunities.

The most crucial aspect for impeccable finance management is financial planning. It needs additional attention for regular monitoring and maintenance. Evaluation of planning is important if you need to keep pace with time and change in global economic scenario. With regular verification and intelligent modification, you can surely control the flow of income and expenses. Here are five simple ways to help you systematize your financial planning and execute it in a more intelligent way.

Tips #1

The first thing to start with is assessment of your personal financial planning. Make a listing of your personal assets and liabilities. Prepare a cash flow statement by listing your personal earning and expenditure.

Tips #2

Setting of goals is the next step of financial planning. It entails translation of your financial dream in language of finance. Your financial goals should be a mix of what you want to achieve in short and long run. For example, purchasing a house or a car is a part of your short-term planning whereas disbursement of asset to gain significant net worth after your retirement is the result of a long term plan. You need to make a plan that ensures optimum utilization of your fiscal assets with a view to gaining maximum returns out of your investment diversification.

Tips #3

Once your goals are set, you need to develop a plan to achieve them. Your planning is a financial documentary that details the best course of action for you. Several options are open but you need to undertake what suits your case. At this point, you need to do some research on loans, mortgages or other investment deals. The step being most crucial of your personal finance management, it requires special attention. The advantage of involving an expert is that you will get to know the latest offering and others updated information.

The easiest way to chose a good deal is to compare between the available choices. If planned early and properly, you may avoid end up sacrificing a lot in terms of reducing expenses or focusing on how to increase your income.

Tips #4

Execution of plan is the last stage of personal finance management. However, if everything is going as planned, it does not mean that you will get the same result in future. In fact, you need to be always busy with your finance management by reevaluating the plan and modifying the same if needed.

Everyone needs a specific plan to accomplish his/her goals. All of you need to be disciplined, rational and patient to get good result. Management of personal finance has got a lot easier because, now you have an easy access to requisite information regarding planning and investment avenues online. You may even seek personalized service from the leading financial houses and experts.

Cheap Finance Deals See New Car Sales Booming

New car sales in Britain rose in May to levels not seen since recession struck. Statistics showed new private vehicle registrations increased by 21% compared to the year before, which puts them higher than any figures seen since 2007, according to the Society of Motor Manufacturers and Traders.

Main boost from private sales

Including private sales, fleet and business cars, 180,111 new registrations were recorded in May, for an overall increase of 11%, with growth largely driven by the private ownership sector. Business and fleet sales actually dropped by 9.2% compared to pre-recession sales levels. Whole year sales from January to the close of May 2013 reached 948,666, for growth of 9.3% on the same period last year.

There were few surprises among the models of car driving the growth, with Ford’s Fiesta taking the top spot, followed by the slightly larger Ford Focus and then the Vauxhall Corsa, Volkswagen Golf, Vauxhall Astra, Nissan Qashqai, BW 3 Series, VW Polo and Peugeot 208, with the Audi A3 rounding out the top ten. However, petrol cars are making a comeback after years of lagging behind diesels. Concern over diesel particulate filter issues on cars performing low mileage on shorter journeys saw petrol vehicle sales surge by 13.7% compared to a 4.5% growth in diesel sales. Diesel and petrol still make up by far the majority of sales, with only 1.1% of buyers opting for alternative fuels.

Car finance helps many people buy a new car

The SMMT attributes the strongest growth in car sales for the month of May since 2005 in part to a range of cheap finance options. The organisation points out that whilst the British figures show an encouraging return of consumer confidence, Continental Europe is still suffering a slump in new car sales that is leaving auto manufacturers cautious about long term growth prospects. In 2012, new car sales fell by 19.9% in Italy and 14% in France.

The buoyancy of May’s new car sales figures comes after April this year showed the strongest growth in the used car finance sector for two years, according to the Finance and Leasing Association. The quantity of used cars bought from dealerships on finance in April increased 26% by value and 22% by volume in comparison to the same month last year. New car finance was also on the up, increasing by 37% over April 2012.

Car finance deals driving growth

The statistics show that 226,082 used cars and 227,153 new cars were bought on finance in April. Along with a series of attractive deals, the release of new registration plates in March could have helped to propel sales the following month.

I had to go down the route of car finance and was able to secure a deal with a number of attractive incentives including discounted insurance, roadside assistance and a generous warranty and service package. Brokers can search for the most suitable package for your circumstances from among the range of finance deals available.

Whilst buying a car with ready cash may give purchasers more bargaining power when it comes to driving down the price, there is a huge range of car finance deals available depending upon the level of your deposit, your credit rating and the kind of deal you are looking to secure.

What's in a Number? How your Auto Insurance Rates are Determined

If you’ve ever used an insurance comparison website to get a range of car insurance quotes, the differences in rates can be somewhat baffling. When inputting the same basic data about yourself and your car, you could end up with a wide range of monthly premium rates, terms, and conditions. This is because each insurance provider uses a unique formula to determine your level of risk as a driver. Understanding how this is determined can help you take control of your insurance rates and find a more affordable plan that fits your unique profile.

Road Risk

Your driving history and the type of car you drive both have major influences on your insurance rates. If you have been involved in a recent accident, this could cause rates to skyrocket. Insurance companies will also look at how much driving experience you have, as well as whether or not you have any reported accidents or traffic violations. The type of car you drive is also important. This is something to keep in mind if you’re shopping around for a new car. As you read a Mazda Miata or Ford Territory review at motoring.com.au, pay close attention to the safety ratings and features. Dependable cars with high safety ratings will cost far less to insure than flashy sports cars. Older cars are cheaper to insure in most cases because they cost less to replace.

In addition to the type of car you drive and your driving record, insurance companies will also look at your current usage. If you drive to and from work in a long daily commute, you’ll pay a higher premium as a result because statistically there is a higher risk of an accident. Parking your car in a locked garage and only driving when necessary can lower rates significantly.

Personal Finances

Insurance companies are also interested in whether or not you will be able to pay your bills on time. Drivers are issued a credit score specifically pertaining to insurance, which is based on your financial history and current standing. They may take multiple pieces of data into account to calculate this score, including your payment history, length of credit history, and whether or not you have any outstanding debts. This part of the calculation tends to be pretty similar between different insurers, but some will weight credit history more heavily than others. If you have less than perfect credit, it’s more important than ever to compare numerous quotes to find the best deal.

Lifestyle Factors

Although it doesn’t seem fair, insurance companies are all about statistics and will use lifestyle factors you can’t control to help determine your rate. For instance, married couples are deemed less risky than single drivers with no children. They will also take your occupation and level of education into account, as well as your age. As with the other pieces of the puzzle, some will weigh lifestyle factors more heavily than others.

The exact formulas used to calculate insurance rates tend to be closely guarded by providers. The best way to find an affordable deal that fits your specific profile is to collect as many quotes as possible. No matter which formula is used, however, there are ways to help get a better deal.  To begin with, you can compare car reviews Australia with American and European reviews to get a complete picture of a car’s reliability in different locations. And naturally, maintaining a clean driving record and building a good credit score never hurts.