Skip to content
Hot List Names

Hot List Names

The Hottest Places For Your SEO, Business Marketing, And Online Advertising On The Planet

Menu
  • Home
  • Categories
    • Local Marketing
    • Office Furniture Guide
    • PPC Guide
    • Search Engine Optimization
    • Senior Citizen Home Care
    • Senior Citizen Medication
    • Social Media Advertising
    • Web Design
  • About
  • Contact
  • Privacy Policy

Category: PPC Guide

What Are the Consequences of Not Having Life Insurance?

January 12, 2021
| No Comments
| PPC Guide

There’s a reason people keep telling you it’s important to purchase a life insurance policy. Here’s what happens if you don’t.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/life-insurance/" rel="tag">life insurance</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>

What Is A Contingent Beneficiary?

January 12, 2021
| No Comments
| Insurance, PPC Guide

A contingent beneficiary is a person, estate or trust that receives the assets of a person who dies if the primary beneficiary, for any reason, cannot receive the assets. It is commonly recommended by attorneys when their clients are making a will to have at least one contingent beneficiary. It is possible to have several […]

The post What Is A Contingent Beneficiary? appeared first on Good Financial Cents®.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/insurance/" rel="category tag">Insurance</a>, <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/auto/" rel="tag">Auto</a>, <a href="https://www.hotlistnames.com/tag/beneficiary/" rel="tag">beneficiary</a>, <a href="https://www.hotlistnames.com/tag/children/" rel="tag">Children</a>, <a href="https://www.hotlistnames.com/tag/college/" rel="tag">College</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/heirs/" rel="tag">heirs</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/life/" rel="tag">Life</a>, <a href="https://www.hotlistnames.com/tag/life-insurance/" rel="tag">life insurance</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/retirement/" rel="tag">retirement</a>, <a href="https://www.hotlistnames.com/tag/round/" rel="tag">round</a>, <a href="https://www.hotlistnames.com/tag/taxes/" rel="tag">taxes</a>

8 Essential Rules for Surviving Financial Hardship

January 12, 2021
| No Comments
| PPC Guide

At some point, most people experience an unexpected crisis that shakes their financial world. It could be losing a job, receiving a huge medical bill, or having a car break down at the worst possible time. But surviving a pandemic is a situation you probably never thought you would face.

No matter what challenge you’re facing, you’re not the first.

Along with the public health toll, the COVID crisis has put millions of people out of work. For those struggling financially, here are eight critical rules to help you manage money wisely, stretch your resources, and bounce back from this unprecedented health and economic disaster.

8 rules for managing a financial hardship

Here are the details about each rule to manage a financial setback during the coronavirus crisis.

Rule #1: Accept your situation and use your resources to seek help

The key to successfully navigating a financial setback is to be realistic. If you’re in denial and don’t face money troubles head-on, you can quickly compound the damage.

Instead of focusing on the problem, getting angry, or letting stress overwhelm you, channel your emotions into finding solutions. Start talking about your challenges with people and professionals you trust, such as a money-savvy family member, financial advisor, legitimate credit counselor, or an attorney.

Instead of focusing on the problem, getting angry, or letting stress overwhelm you, channel your emotions into finding solutions.

The following financial associations have certified volunteers who can offer free help and advice:

  • National Association of Personal Financial Advisors
  • The Financial Planning Association
  • Association for Financial Counseling & Planning Education

Rule #2: Get a bird’s eye view of your finances

To fully understand your situation, create a list of what you own and owe; this is called a net worth statement. Compiling your data in one place helps you evaluate your financial resources, make decisions more efficiently, and have essential information at your fingertips if creditors or advisors ask for it.

First, list your assets: 

  • Cash
  • Investments
  • Retirement accounts
  • Real estate
  • Vehicles 

Then list your liabilities:

  • Mortgage
  • Car loans
  • Student loans
  • Credit card debt

Include the estimated values of your assets, the balances on your debts, and the interest rates you pay for each liability. You could jot down this information on paper, enter it in a computer spreadsheet, or create a report using money management software.

When you subtract your total liabilities from your total assets, you’ve calculated your net worth, which is an indicator of your financial health. It’s not uncommon to have a low or negative net worth when you’re in financial trouble.

RELATED: 10 Things Student Loan Borrowers Should Know About Coronavirus Relief  

Rule #3: Understand your cash flow

An essential part of bouncing back from a financial crisis is keeping an eye on your monthly income and expenses. Create a cash flow statement that lists your expected income and typical expenses, such as rent, utilities, food, prescriptions, transportation, and insurance. Again, you can create this report manually or by using budgeting features in a financial program.

Understanding where your money goes is the only way to prioritize expenses and cut all non-essential spending.

Understanding where your money goes is the only way to prioritize expenses and cut all non-essential spending. Making temporary sacrifices will help you recover as quickly as possible with less long-term damage to your finances.

Rule #4: Shop your essential expenses

As you review your spending, it’s an excellent time to comparison-shop your essential expenses. Evaluate your highest costs first, such as housing, vehicles, and insurance, since they offer the most significant potential savings.

For instance, you may be able to move into a less expensive home, purchase or lease a cheaper vehicle, and shop your auto insurance to find better deals. Ask your utility provider about assistance programs that offer energy-saving improvements at no charge.

Rule #5: Communicate with your creditors

If you haven’t been in contact with your creditors, start a dialog with each one immediately. You’ll come out ahead and get favorable treatment from creditors if you are proactive and honest about your financial troubles. Ask them for solutions, such as deferring payments for several months, setting up a reduced payment plan, or refinancing a loan to reduce your financial burden.

You’ll come out ahead and get favorable treatment from creditors if you are proactive and honest about your financial troubles.

Creditors are likely to ask about details regarding your financial situation, so have your net worth and cash flow statements on hand when you speak to them. Be ready to complete any required assistance applications quickly.

Rule #6: Prioritize your debts carefully

Based on guidance from creditors and finance professionals, prioritize your bills and debts carefully. Your goal should be to conserve as much cash as possible without skipping essential payments. Always pay for necessities first: food, prescription drugs, and auto insurance.

Debts related to child support and legal judgments have severe consequences and should be prioritized

Use your net worth statement to rank your liabilities from highest to lowest priority. For instance, debts related to child support and legal judgments have severe consequences and should be prioritized. Keeping up with an auto loan is a high priority if you rely on your vehicle for transportation. Federal student loans are in automatic forbearance through September 30, and the relief may get extended through 2020.

Your unsecured debts—medical bills, credit cards, and private student loans—are lower priorities. Never pay these debts ahead of rent, a mortgage, or utilities when you have a cash shortage.

Rule #7: Don’t let collectors force you to make bad decisions

Prioritizing your debts means some may be paid late or not at all. If a debt collector contacts you about a low-priority debt, such as a medical bill or credit card, don’t allow them to persuade you to pay it before your highest priority bills.

Collectors may try various aggressive tactics, such as threatening to sue you or ruin your credit. A lawsuit could take years, and a creditor is more likely to negotiate a settlement with you. Remember that a creditor or collector can’t send you to jail for civil debts.

If you are behind on bills, that fact is likely already reflected on your credit reports. By the time a collector contacts you, the damage is already done, and paying the bill won’t improve your credit in the short-term.

Rule #8: Take advantage of local and federal benefits

If your income and savings have entirely dried up, use these resources to learn more about local and federal benefits.

  • FeedingAmerica.org has a map showing local food banks
  • Supplemental Nutrition Assistance Program (SNAP) is the federal food program you may qualify for based on where you live, your income, and family size
  • MakingHomeAffordable.gov can help you find a housing counselor or see if your mortgage is backed by the federal government and qualifies for forbearance
  • Benefits.gov has a questionnaire that helps you discover the benefits you’re eligible for
  • Medicaid.gov is the federal health insurance program you may qualify for based on where you live, your income, and family size
  • Healthcare.gov is the federal health insurance marketplace where you may find plans with substantial subsidies if you earn too much to qualify for Medicaid

Financial challenges can cause you and your family to experience a flood of emotions, including anger, fear, and embarrassment. As difficult as it might be to put a financial crisis into perspective, it’s critical. No matter what challenge you’re facing, you’re not the first. There are millions of people who are dealing with COVID-related financial hardships.

Face the fact that your recovery could take a while. Do everything in your power to manage your budget wisely by getting organized, seeking ways to earn more, and spending less. Don’t be afraid to ask for help from creditors, seek free advice from professionals, and take advantage of every local and federal benefit possible.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/auto/" rel="tag">Auto</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/budgeting/" rel="tag">budgeting</a>, <a href="https://www.hotlistnames.com/tag/coronavirus/" rel="tag">Coronavirus</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/credit-cards/" rel="tag">Credit Cards</a>, <a href="https://www.hotlistnames.com/tag/debt/" rel="tag">Debt</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/finance/" rel="tag">Finance</a>, <a href="https://www.hotlistnames.com/tag/financial-planning/" rel="tag">Financial Planning</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/food/" rel="tag">Food</a>, <a href="https://www.hotlistnames.com/tag/health-insurance/" rel="tag">Health Insurance</a>, <a href="https://www.hotlistnames.com/tag/home/" rel="tag">Home</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/job/" rel="tag">job</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/medicaid/" rel="tag">Medicaid</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/mortgage/" rel="tag">mortgage</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/spending/" rel="tag">Spending</a>, <a href="https://www.hotlistnames.com/tag/student/" rel="tag">student</a>, <a href="https://www.hotlistnames.com/tag/student-loans/" rel="tag">Student Loans</a>

3 Tips for Finding an Affordable Life Insurance Policy

January 12, 2021
| No Comments
| Insurance, Life Insurance, Personal Finance, PPC Guide

Life insurance offers protection for your family’s financial security. Many people buy themselves a life insurance policy that will protect their family. It’s also possible for people to purchase life insurance policies for someone else. For example, children can purchase policies for their parents and vice versa. Life insurance coverage offers valuable financial protection. You… Read More

The post 3 Tips for Finding an Affordable Life Insurance Policy appeared first on Credit.com.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/insurance/" rel="category tag">Insurance</a>, <a href="https://www.hotlistnames.com/category/insurance/life-insurance/" rel="category tag">Life Insurance</a>, <a href="https://www.hotlistnames.com/category/personal-finance/" rel="category tag">Personal Finance</a>, <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/agent/" rel="tag">agent</a>, <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/children/" rel="tag">Children</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/debt/" rel="tag">Debt</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/grow/" rel="tag">Grow</a>, <a href="https://www.hotlistnames.com/tag/health-insurance/" rel="tag">Health Insurance</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/insurance-coverage/" rel="tag">insurance coverage</a>, <a href="https://www.hotlistnames.com/tag/life-insurance/" rel="tag">life insurance</a>, <a href="https://www.hotlistnames.com/tag/personal-finance/" rel="tag">Personal Finance</a>, <a href="https://www.hotlistnames.com/tag/purchase/" rel="tag">Purchase</a>, <a href="https://www.hotlistnames.com/tag/security/" rel="tag">Security</a>

What Is an Insurance Deductible?

January 12, 2021
| No Comments
| Car Insurance, Health Insurance, Insurance, PPC Guide

When you have an insurance policy, you may have to foot the bill for some of your medical expenses before your insurance company starts chipping in. This initial amount is your insurance deductible. The size of deductibles can vary depending … Continue reading →

The post What Is an Insurance Deductible? appeared first on SmartAsset Blog.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/auto/car-insurance/" rel="category tag">Car Insurance</a>, <a href="https://www.hotlistnames.com/category/insurance/health-insurance/" rel="category tag">Health Insurance</a>, <a href="https://www.hotlistnames.com/category/insurance/" rel="category tag">Insurance</a>, <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/car-insurance/" rel="tag">car insurance</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/deductible/" rel="tag">Deductible</a>, <a href="https://www.hotlistnames.com/tag/emergency-fund/" rel="tag">emergency fund</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-advisor/" rel="tag">Financial Advisor</a>, <a href="https://www.hotlistnames.com/tag/financial-goals/" rel="tag">Financial Goals</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/health-insurance/" rel="tag">Health Insurance</a>, <a href="https://www.hotlistnames.com/tag/homeowners-insurance/" rel="tag">homeowners insurance</a>, <a href="https://www.hotlistnames.com/tag/house/" rel="tag">house</a>, <a href="https://www.hotlistnames.com/tag/insurance/" rel="tag">Insurance</a>, <a href="https://www.hotlistnames.com/tag/insurance-deductible/" rel="tag">insurance deductible</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/yahoo_rss_exclude/" rel="tag">yahoo_rss_exclude</a>

9 Financial Strategies for Padding Your Bank Account in Case 2021 Goes Sideways

January 12, 2021
| No Comments
| PPC Guide

Sure, we’re glad 2020 is over. But here are nine financial strategies for padding your bank account — just in case 2021 goes sideways, too.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Tagged <a href="https://www.hotlistnames.com/tag/all/" rel="tag">All</a>, <a href="https://www.hotlistnames.com/tag/budget/" rel="tag">Budget</a>, <a href="https://www.hotlistnames.com/tag/buy/" rel="tag">Buy</a>, <a href="https://www.hotlistnames.com/tag/buying/" rel="tag">Buying</a>, <a href="https://www.hotlistnames.com/tag/car-insurance/" rel="tag">car insurance</a>, <a href="https://www.hotlistnames.com/tag/cash-back/" rel="tag">Cash Back</a>, <a href="https://www.hotlistnames.com/tag/credit/" rel="tag">Credit</a>, <a href="https://www.hotlistnames.com/tag/credit-card-debt/" rel="tag">Credit Card Debt</a>, <a href="https://www.hotlistnames.com/tag/debit-card/" rel="tag">Debit Card</a>, <a href="https://www.hotlistnames.com/tag/debt/" rel="tag">Debt</a>, <a href="https://www.hotlistnames.com/tag/emergency-fund/" rel="tag">emergency fund</a>, <a href="https://www.hotlistnames.com/tag/family/" rel="tag">Family</a>, <a href="https://www.hotlistnames.com/tag/financial-wize/" rel="tag">Financial Wize</a>, <a href="https://www.hotlistnames.com/tag/financialwize/" rel="tag">FinancialWize</a>, <a href="https://www.hotlistnames.com/tag/food/" rel="tag">Food</a>, <a href="https://www.hotlistnames.com/tag/get-out-of-debt/" rel="tag">Get Out of Debt</a>, <a href="https://www.hotlistnames.com/tag/interest-rates/" rel="tag">Interest Rates</a>, <a href="https://www.hotlistnames.com/tag/job/" rel="tag">job</a>, <a href="https://www.hotlistnames.com/tag/loans/" rel="tag">Loans</a>, <a href="https://www.hotlistnames.com/tag/make-money/" rel="tag">Make Money</a>, <a href="https://www.hotlistnames.com/tag/money/" rel="tag">money</a>, <a href="https://www.hotlistnames.com/tag/news/" rel="tag">News</a>, <a href="https://www.hotlistnames.com/tag/personal/" rel="tag">Personal</a>, <a href="https://www.hotlistnames.com/tag/personal-loans/" rel="tag">Personal Loans</a>, <a href="https://www.hotlistnames.com/tag/rewards/" rel="tag">Rewards</a>, <a href="https://www.hotlistnames.com/tag/save-money/" rel="tag">Save Money</a>, <a href="https://www.hotlistnames.com/tag/savings/" rel="tag">savings</a>, <a href="https://www.hotlistnames.com/tag/spending/" rel="tag">Spending</a>

Google Adwords Budget

June 7, 2019
| No Comments
| PPC Guide

Contents Daily online advertising Time. … adwords shows Google adwords lets advertisers set Keyword planner guide 2019: tips There is a range of online advertising products and services that allow advertisers to set a daily online advertising budget, led by Google AdWords. Advertisers are able to focus their ad campaigns on … Target Copy Price […]

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Leave a comment

Local Ppc Advertising

June 7, 2019
| No Comments
| PPC Guide

Contents Local ppc advertising Click (ppc) advertising Local ppc ads Email marketing strategies Local ppc company. Offered local ppc software upgrades and internet marketing (SEO, PPC and social media marketing) through industry-proven practices and … Buy Google Ads Those deals have helped make Google’s tools dominant in how businesses buy and sell ads on the […]

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Leave a comment

Target Copy Price Per Page

June 7, 2019
| No Comments
| PPC Guide

Contents Export adwords campaign Founder george draper Offer users rich Algorithmic trading strategy. Click (cpc) basis Average instagram user spends 53 By default, you will only get one email per stock if the target price has been reached … To reduce that risk, you should set your personal copy of that Google Sheet to "Private" […]

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Leave a comment

Buy Google Ads

June 6, 2019
| No Comments
| PPC Guide

Contents Buying google adwords. … Small business owners $100 google adwords Price. $100 google Nra practical police combat (ppc) Those deals have helped make Google’s tools dominant in how businesses buy and sell ads on the internet. The Google Marketing … Google Ad Space Guide to ad sizes. Next: How we backfill ad units with […]

Read More »

Posted in <a href="https://www.hotlistnames.com/category/ppc-guide/" rel="category tag">PPC Guide</a> Leave a comment

Posts navigation

1 2 … 32 Next

Home

About

Contact

Privacy Policy

Site Map

Recent Posts

  • Make it Stop! How to Stop Junk Credit Card Offers
  • What Belongs in Your Apartment Waste Bin | ApartmentSearch
  • The Best Neighborhoods in Salt Lake City
  • Top 5 Rent Control Apartments Available to Rent Today
  • Banquette, Baby!

Archives

  • June 2021
  • May 2021
  • February 2021
  • January 2021
  • June 2019
  • May 2019
  • April 2019
Hot List Names
Home | Contact | Site Map

© Hot List Names 2022. Powered by WordPress