Paul Herd - Head of Origination for Private Equity Funds and Head of UK & Ireland Corporate

  Paul Herd : Insurance is a necessity. Nowadays, most of our major financial decisions involve buying or getting insurance. Before you can drive, you need to avail car insurance. Before you can buy a new house, you need to avail a home insurance. Even when you buy your Apple gadget, you can opt for Apple Care insurance. We are at risk everyday. To manage or minimize those risks, we need insurance. It’s the only way to protect ourselves against unforeseen events in the future. For most of us, i n surance topic can be very technical. There are lots of things you need to know with regards to each insurance policies. There are hundreds of them and different types of insurance available in the market. Choosing the best one for our self can be really tough sometimes. To help you with your decision, here’s the 5 insurance policies you need to have. 1. MEDICAL INSURANCE This is the most important insurance policy we need to avail for ourselves and our family. It gives us protection agains...

  Paul Herd — Each of us, have several options, and alternatives, when it comes to our decisions, rega r ding, choosing how we invest our monies, and, why we choose, one vehicle, over another! Although, there are quite a number of possibilities, the most — often, used, are: the bank; US Treasury obligations; Municipal Bonds; Corporate Bonds; and, Mutual funds/ Individual stocks. The purpose of this article is not to provide investment advice, but, rather, to attempt to clarify, the differences, possibilities, etc. It’s your hard — earned money, so the more you know, and understand, the better, you might be capable of, making the wisest, personal decisions. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, these 5 choices, and the most, significant impacts.   1. Bank: Some feel most comfortable, putting their funds, in the bank, for a number of reasons. One of the most significant is, their personal comfort zone, as...

  Paul Herd — Although, some,might, believe, there is, and, for a short — period, it may appear, to be so, there is no such thing, as a sure — thing, when it comes to the best approach, and strategy, to maximize our personal financial planning! After many decades, of involvement, in a variety of related activities, from, running businesses (of various sizes), to providing financial planning/ advice, to individuals, from many walks — of — life, and financial status, I have often, pondered, what might make most of us, maximize the possibilities, for success, in this important area. With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 keys, to consider, when making these types of decisions, and determining, the best path, for you. 1. Know your overall financial goals: What may be, a great solution, for others, may not be the best course of action, for you! Before, making any significant decisions, give yourself, a check — u...