Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

Friday, April 12, 2019

Credit Repair Companies can Help Fix your Credit Score


Credit repair companies, Credit repair services, Best credit repair companies.

There was a time, and it was not so long ago, when you could get a home loan from pretty much anyone you wanted to irrespective of how good or bad your credit score was. Today, lenders are looking for much improved credit scores if you are to get a loan from them and for some reason or the other that just doesn’t happen. People don’t have that kind of score on hand. And so if you are looking to get a loan or a mortgage you will be left high and dry as one lender after the next lets you down nicely or not so nicely. And did you employers also use credit scores to decide who to hire? What can be done about a bad score then? Well, simple. You turn it over to credit repair companies.

Credit repair companies, as the name might suggest to you, helps you fix up that credit score and makes you much better off financially than you were before. You can do all of the legwork yourself or you can hire one of several possible credit repair companies. And these credit repair companies will get the job done for you if you feel you’re not capable of fixing up that credit problem of yours yourself. If you don’t, that broken credit score could be a real problem, so it does make


sense to fix things one way or the other. A basic Google search or a glance at the telephone directory will reveal to you that there are several credit repair companies out there that are ready to help. Some are more evil than the rest though, so choose wisely.

Choosing the right one among several credit repair companies will help you boost that credit score of yours rapidly and it is the big decision you have to make. But how do you choose the right credit repair company? Well, see, that’s the easy part. The right credit repair company will not demand a large sum of money upfront. They’ll make a promise and deliver it and offer client references whenever asked for. Their contract will clearly state what they will do for you and will not pressure you. And of course, they will have some para legals on their team for assistance. See if all those check boxes are ticked off.

Of course, they will be more expensive than doing it yourself, but it’s always better to hire them when you don’t know how to go about doing things. These credit repair companies take at least 3-6 months to get the job done and they will charge a monthly fee. Some will also have a setup fee. That money is used to order your credit reports and develop a plan to improve your credit score. If you are still looking to not spend that money, find out ways to get it done yourself.

Read More

Wednesday, April 10, 2019

Personal Finance Loans Might be Just What you Need

Personal Finance Loans Might be Just What you Need

Perhaps you are hard up for money but no one will extend you a loan. Maybe you have made late payments on your credit cards to the extent that you have shot your credit score to bits. Now, in your hour of need, no one will be giving you a loan. What do you? Have no worries, because like a knight in armor come to save the fading day, you can always use personal finance loans as a way out of this little mess that you’ve made for yourself.

Normally, getting personal finance loans are easy as hell and you can get them without much of a hitch at all. Normally, the formalities of these personal finance loans are easy to complete and you won’t have to wait a lot at all. The fact is that these loans are much smaller than the common loan that you find out there and so they can be put towards any use imaginable. Want to fix up the car? Check. Want to do up the home? Check. Want to go on a vacation? Check. Want to use it to pay for hookers, alcohol and drugs? Check. See how easy it is to get one of many possible personal finance loans?

Many people that do get this kind of loan make sure that it is an unsecured loan. The problem with getting an unsecured loan is that the interest rates that will be levied on this loan will be higher than normal. But that is only true if you are asking for a large amount of money. After all, if you’re going to take an unsecured loan the banker will want some kind of proof of good faith that you’re not going to vanish with his money forever! Financial institutions don’t really care what you intend to do with this money so long as you repay it in a timely manner and in full.

Depending on how much you borrowed and the terms of the borrowing, the repayment of the article can go on for a few months or even a few years. The general rule of thumb though is that you should try to repay it as soon as possible so as to avoid hefty interest charges. Not only will you save on interest, but you will also be able to improve the credit score that saw you head for personal finance loans in the first place, nipping the root of the problem in the bud.

Read More

Sunday, April 7, 2019

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

Meditations on Money for the Inner Soul: Understand Road Blocks, Karmic Blocks, and How You Manifest Wealth

We live in a time in history in which wealth has taken on a new collective meaning. There are more wealthy people than ever before, and in the collective imagination, we have a newly created vision of a standard of living that we consider our birthright. Credit cards, mortgages, and car loans mean we can experience ourselves as being well-off without it necessarily being based in reality. Whole countries live off debt and fake money. It’s all very confusing when there are still large areas of the world dealing with famine and disease on a scale that is unheard of in what is termed the ”developed” world.

The inequality and illusory nature of wealth are not the only reasons to be wary of its seductions. Even if you thought you were well-off, chances are that whatever wealth you thought you possessed has diminished in recent times. The upheaval in the world’s financial markets has made it only too clear that worshipping at the altar of materialism is a risky business.

So how do we navigate this treacherous territory at a time when material greed and expectation have reached heights that Socrates probably never even imagined? At a time in which global finances are in such rapid flux that no one can predict what will happen next?

First of all, stay close to yourself. Listen to your dreams and imaginings, and your inner promptings. Take yourself seriously. The soul will not lead you in the wrong direction if you pay attention. Learn to distinguish between the inner soul voice and the conditioned fantasy voice, and pay close attention to how manifestation functions for you.

The following are some questions that will help you work through your thoughts about money. Write these in your journal, and take some time to meditate on and write about each one.

  • Where does your money tend to come from? Do you get funds from your family, from your spouse, from hard work, from throwing big parties, from creating works of art?
  • How does money come to you? Does it come in sudden wind-falls or in regular paychecks? Does it come happily or unhappily?
  • What are your open gates for receiving money, and where do you think you might be closed? Visualize the gates through which money comes to you and see why some are closed. Find out what it would take to open them.
  • How does stuff come to you? Is it different from how money comes to you? (Sometimes people have a knack for attracting things over money because they have a negative belief about money itself.)
  • Look for where life is easy for you and see if that lesson can be applied to the realms that are more difficult. For example, if you have easy, plentiful friendships with women, think about working in a field in which women will be your clients or customers.
  • Examine your family of origin issues. Every family has its trips about money. What did you learn about money as a child? If money was lacking, what concepts has that imparted to your thinking? If you were born into a family that had money and that you have inherited, accept this as your fate and use the money to further your soul dream, which will often be philanthropic and/or socially responsible.
  • Look at where you disrespect money and waste it, and clean up your act. Look at your ethics and see if you feel entirely comfortable with all your choices.
  • Add up how much money you spend a year in interest and see what you can do to turn that negative into a positive by earning the money before you spend it.

Gratitude practice is useful in clarifying our relationship with money. Think about all the financial help you have received in your life and give thanks for it. Gratitude blocks can often arise around money because it can be such a charged issue, bringing up issues of entitlement in particular.

If you feel you don’t have as much money as you need, look at what useful function the lack of money might serve for you spiritually. For example, if you tend to be scattered in your thoughts and actions, a lack of money might serve to focus you on what is really necessary. Imagine having all the money you think you need and see how you feel. Within that you may find clues to why you might be blocking yourself from being wealthier.

Practice respect for but also detachment from money. The gods and goddesses of money seem to like us to pay close attention but to also be relaxed. (That applies to just about everything, though, doesn’t it?)

Give space in your perceptions for the possibility that everything right now is absolutely perfect – that the restrictions you experience on the material level are actually part of the divine plan of your soul for your ultimate fulfillment. Do this while vowing to free yourself of karmic restrictions brought about by erroneous thoughts and actions regarding money, work, and material anxiety.

ABOUT THE AUTHOR
Lara Owen, author of Growing You Inner Light: A Guide to Independent Spiritual Practice (Copyright © 2009 by Lara Owen), has trained with spiritual teachers all over the world and has made a lifelong study of spiritual practice in several traditions. 
Read More

Saturday, April 6, 2019

How to Sell Your House by Lease Options

How to Sell Your House by Lease Options

How to Sell Your House by Lease Options - Many people buy a house then have to move within a few years, due to divorce, relocation or financial difficulties. Without any equity though, it can be nearly impossible to find buyers and you still have realtor fees to contend with. There is a simple, easy way to have your payments taken care of for you and find a buyer, so that you can move onto your new life quickly and easily.


Homeowners can sell their homes by lease option.

What are the benefits of selling my house on a lease option?

When you lease option your house, you sell the right to purchase your home at a set price within a predetermined period of time. During that time, the purchaser of the lease option pays you a set monthly fee. They pay what amounts to their "rent" to you with the provision that they can purchase your house within a certain period of time and have part of the rent that they have paid you applied to their final purchase price.

Q What are the advantages of selling my home by lease option over listing it with a Realtor?

By selling your home in this way, you avoid realtor fees and some other closing costs. You also have a tenant who intends to purchase your property. They will take better care of the home than a renter would and may even fix it up a bit for you. You also, naturally, have your payments taken care of and keep the tax benefits of owning your home, until the final sale.

Q How long does it take before your tenant/buyer cashes me out?

A That depends on a number of different factors. Many people with less than perfect credit can rebuild their credit and receive a mortgage from a mortgage broker within 6 consecutive payments.

Q Why don'’t I just sell the house myself?

If you have little or no equity in your home, it will not be considered a good investment by most buyers.

Q What if my tenant/buyer doesn'’t buy the house?

A It is important to pre-screen buyers to make sure that they want to buy the house and are able to buy it at some point in the future. However, circumstances can change in someone'’s life, such as an unexpected job transfer, that make it necessary to move. In situations like that, a new tenant buyer would have to be found.
Read More

Friday, April 5, 2019

The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps

The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps

The Secret System For Getting Completely Out of Debt and Reaching Financial Independence on Your Present Income, in 3 Easy Steps - All families and home biz owners have to think about debt, finances, bills and income almost every day. There is no reason to be overwhelmed by something that can actually be CHANGED. How?

This article will show you how to:

  1. Eliminate all of your debt (including your mortgage) in 5 - 7 years
  2. Take control of your finances
  3. Become financially independent (the dream of most Americans) by retirement.

The First Step is to get a copy of your CREDIT REPORT. In it you will find your entire credit history. It may be shocking to you, but it will be revealing. I suggest that you do it today. At the bottom of this report is a link to help you get started.

The Second Step is to make a list of all the debts you have using the

"ROLL DOWN SYSTEM." This is a powerful but little known system that will allow you to pay off all your debts, including your mortgage, in half the time or less than you may have thought possible.

Start by calculating the entire amount you are spending on all debt payments each month, including your mortgage. Then list the credit cards, credit lines, car loans and other short term debt, from the smallest to the largest. From this time forward, simply spend the same amount each month to service your debt you have always spent. Here'’s the secret to accelerated payoff...

Once you have completely paid off your first debt, DO NOT begin spending the amount of the payment '– add it to the payment of the next debt on the list! As each debt pays off, continue this process. In a year or two, you will get to...

Your MORTGAGE! But now you have considerable extra money to pay each month. Using this strategy, you should be able to pay off all your debts, including your mortgage, in 5 '– 7 years! So, after you pay off everything, you can begin living the life of Riley, right? NO!

Now it'’s time for Step Three. You simply take the ENTIRE AMOUNT you were using to pay off your debts and begin INVESTING it in sensible mutual funds. This will be a considerable sum, and will allow you to reach that enviable state of FINANCIAL INDEPENDENCE that most Americans truly want to reach.

Here are two bonus strategies to create wealth even faster...

  1. Add as much as you can to your monthly debt payment from the beginning. The more you can add, the sooner all will be paid off and the sooner you can begin investing.
  2. Start a sensible home business to add extra income to your budget, but use its profits in this plan, not for high priced "fun." Added attraction '– having a home business offers numerous tax benefits for even more savings.

For many people, doing all of this seems a little complicated and difficult. That'’s why most have not implemented such strategies in the past. Many of these things can be done automatically with the right service. WealthLink is one such service which I highly recommend. It helps you get your credit report, analyze it, creates your debt payoff plan, helps you make a sensible investment plan and even offers an excellent business opportunity by giving you your own website to promote the service. Here'’s the link: http://www.wealthlink.com/familybiz

Good luck on the road to financial independence!
Read More

Thursday, April 4, 2019

Learn To Save Hard Cash This Festive Season

Learn To Save Hard Cash This Festive Season

Learn To Save Hard Cash This Festive Season - Time was when shopping was a painful experience, a chore to be lived with. Cash Back schemes have now brought the fun back into shopping. One can now shop online and purchase all that you need without even leaving home. What's more, these online purchases also pay you back a certain amount on your purchases. Online purchase stores are now offering its customers up to 40% Cash Back on every purchase made. For shoppers, who do not like to venture out for their shopping and make all their purchases from online stores, these Cash Back rebate programmes actually pay them back for just the pains you are taking to go online.

Now, you may say that all this seems too good to be true, and might be skeptical about the whole idea. But all the skepticism becomes mud once you have the hard cash on your hands's. Yes, the Cash Back. The Cash Back Rebate Programme works once you make a particular online shopping site, such as ours, your gateway to make all your online purchases. The share of the commissions which we get from our online stores for bringing customers to them is then shared with who else, but YOU.

The Cash Back Rebate Programmes on the web consist of Cash Back on Credit Cards, Cash Back on Real Estate, Cash Back on Mortgage and Cash Back on Juvenile Money, apart from Cash Back shopping. When you log on to an online site offering Cash Back on Real Estate, find a good real estate agent who can buy you a good property or sell you a good one, and you will receive a share of the commission that is paid to the site by the agent for finding him a customer. This same principal operates on all the online sites which provide Cash Back Rebate Programmes to its surfers. Cash Back Mortgages provide you with a very useful cash injection at a very expensive time of your life.

The unique concept of Cash Back must have become clear to you by now. You can now prepare yourself to just sit in front of your computer and not only make your purchases, but also get paid back for it. Cash Back is shopping made bliss when you get all that hard cash in your hand after all the purchases you have made.

Sites which offers Cash Back opportunities to its surfers have quality stores like eBay, Circuit City, Hotwire, Advanta, TechDepot, Best Buy, Target on its site. So you're purchasing from quality stores as well as saving on cash. It's a veritable windfall for you, so don't miss out on such opportunities which you can find plenty on the net.

Read More

Five Sure Fire Way to Secure Your Financial Future

Sure Fire Way to Secure Your Financial Future
Five Sure Fire Way to Secure Your Financial Future

"You can be poor when you'’re young, but you can'’t be poor when you'’re old." That was the tag line used some years ago in a financial services television commercial.

Truer words were never spoken.

I was relatively poor when I was young. Just about everybody I knew was and it was kind of fun. We lived an almost communal lifestyle, sharing money, accommodation, food, beer, cigarettes and other essentials of post-pubescent life. Would it be as much fun if I had to do it again today? Could I do it again? Not on your life!

Now I'’m anything but a financial genius but there are five basic principles that I'’ve learned and used to secure our financial future. And while far from wealthy, I have every confidence that I will not have to live in a refrigerator box whenever I quit working and that my wife will be able to comfortably carry on in the event of my premature demise. (You should know I'’m at an age where I think eighty-five is a premature death!)

Is building a secure financial future akin to rocket surgery? Absolutely not'— you need to do five key things to get started:

1. Determine your short and long-term financial goals. Start by taking a comprehensive snapshot of your current situation'—your assets, net income, debts and living expenses. Once you'’ve done this you can start setting long and short-term financial goals. Decide what lifestyle you want to enjoy between now and when you retire; what retirement lifestyle do you expect to have and what sort of education do you expect to provide for your children.

2. After you've assessed where you are now and where you want to be in the future take steps to protect your ability to get there--and stay there once you'’ve arrived. A major part of your family'’s financial program is to insure against major financial loss. There are simply no guarantees against serious illness, accidents or untimely death. So take the steps necessary to insure against loss of life, loss of income and loss of physical assets.

3. Pay yourself first. Save at least 10% of pre-tax income '– more if possible. Pay down your mortgage as quickly as possible, especially in times of low interest. In the short term, you'll be better off reducing a mortgage that costs you 6% than earning around a taxable 1.5% (or less) in a savings account.

Maximize your RSP/401K contribution every year and make the contribution at the beginning rather than at the end of the year. Simply doing that will substantially increase the size of your retirement nest egg when you'’re ready to cash out.

4. Avoid credit traps. If you use credit cards, always pay any money owing before interest is due. Consider paying off your credit card immediately if you have money in a savings account'—as with the mortgage, the interest earned on the savings is certain to be lower than what'’s charged by the credit card company. Avoid using credit cards for cash advances. Usually the interest charges are higher for these and the charges begin immediately. If you do carry a balance on your cards try to negotiate a lower rate with the credit card company. If you need money urgently, it's usually cheaper to negotiate a personal loan with your bank or credit union.

5. Finally, protect your family in the event of your death. Make a Will. If you die without leaving a Will in all likelihood the only thing you'’ll really leave your loved ones is a bloody mess'—one that could take many years and a whole bunch of money to sort out.

Without a Will, the court/government will decide how your property and possessions will be divided. I would expect there are two chances of them acting in a way consistent with what your wishes might have been'—slim and none!

Making a Will doesn't mean the Grim Reaper is about to pay you a visit. It simply means that your affairs will be sorted out in the ways you want and, as a result, you can go about your life with a peaceful mind because your loved ones are protected.

These five principles are only a starting point'—a few suggestions that any financial management professional can improve and expand on. If I have one regret about how I'’ve handled my financial affairs over time it is not enlisting enough professional help. When we were starting, the financial management business was neither as big nor as sophisticated as it is today. Who knows, with better help, I might be writing this from some warm Caribbean tax haven rather a cold Calgary office!

"Don'’t try this alone'—use a trained professional," is absolutely the best advice I'’m really qualified to give.

Read More