13. December 2015 · Comments Off on Recommended Cash Loan Offers · Categories: Money

There’s nothing more disappointing than already ran out of cash when there are still many things to prepare for the holiday season. You are on the risk of making your family upset and that’s really sad. Looking for a cash loan can be a good option to help you out that risk.

There are many cash loan offers on the net and many of them are No Credit Check Loans at 44-Cash-Loans.com. It would be much better option as you no longer need to worry about your bad credit score. But don’t forget, not all loan offers are trusted enough. Some of them are more of disguise from loan sharks trying to trap you. You need to be very sure to apply cash loan only from a trusted lender. That’s how you can get the loan fast and with very reasonable interest rate preventing you from big financial burden.

There are some loan lenders highly recommended for you. Among them is Bad Credit Unsecured Personal Loans @ UnsecuredLoanServices.com. This loan lender has good reputation and it offers you opportunity to get up to $5,000 cash loan at very easy application process. Another recommended one is 67Cash where you can be sure once you submitted your loan application, the loan will be ready within 24 hours.

29. May 2015 · Comments Off on Investments and the Investment Process · Categories: Investing

Most people are already investors. If they have any money in a savings account, that is already one investment they have. An investment is any vehicle in which funds can be placed with the expectation that it will generate positive income or increase in value. Returns are received in two forms: current income and increased value. For example, a savings account provides current income through interest payments. Meanwhile, a share of common stock that is purchased as an investment is expected to increase in value from the time its purchased to the time it is sold. Cash by itself or a no-interest checking account is not considered an investment as it fails to generate any income or increase in value.

Types of Investments

When you invest, the company or government entity in which you invest in, offers an expected future benefit in exchange for your funds. These organizations compete for your funds. Investors will invest in the organization that they judge to be better than what the competitor offers. Different investors will judge benefits differently. Because of this, there are several types of investments available, from “sure bets” such as the interest earned in a savings account or CD, to the possibility of earning big returns fast by investing in some hot new stock. The investments you choose will depend on your goals, tolerance to risk, and resources.

Securities/Property-Securities are investments that are debt, ownership, or the legal right to acquire or sell an ownership interest. Common types of securities are stocks, bonds, and options. Property, on the other hand, is an investment in real property or tangible personal property. Land and buildings are examples of real property. Examples of tangible property is gold, artwork, antiques, and other collectibles.

Direct/Indirect-When an investor directly acquires a claim on a security or property, it is called a direct investment. This would be when you buy a stock or bond in order to earn income or expect it to increase in value. An indirect investment is when an investment is made in a collection of securities or properties. The purpose of this is to invest in a professionally managed collection of securities or properties.

Debt, Equity, or Derivative Securities-Investments are usually a debt or equity interest. Debt represents funds given in exchange for interest income and also the promised repayment of the loan at a future date. Equity is the ongoing ownership in a business or property. It could be held as a security or by title to a specific property. The most common type of equity security is common stock. Derivative securities are neither debt nor equity. They derive their value from an underlying security or asset. Options are an example: An investor buys the opportunity to sell or buy another security at a specified price during a given time period.

Low or High Risk-Sometimes investments are differentiated on the basis of risk. Risk is the chance that actual investment returns will differ from those expected. The wider the range of possible returns or values of an investment, the greater the risk. Investors can choose from a wide variety of investments with varying degrees of risk. For example, stocks are considered riskier than bonds. Although you can also find high-risk bonds as well. Low risk investments are considered safe while high risk investments are considered speculative. Speculation offers a high level of uncertain returns and future value. Because of the perceived greater risk, greater returns associated with it are expected.

21. May 2015 · Comments Off on What Makes You Eligible for Venture Capital? · Categories: Financial

Venture capital firms and individuals are interested in many of the same factors that influence bankers in their analysis of loan applications from smaller companies. Though banks look at the immediate future of a small company, they are most heavily influenced by its past. Venture capitalists look at the long-term future of the company. Banks are creditors while venture firms are owners. They hold stock in the company, adding their invested capital to its equity base. Therefore, they examine existing or planned products or services and the potential markets for them with extreme care. They invest only in firms they believe can rapidly increase sales and generate substantial profits. Venture capitalists look more closely at the features of the product and the size of the market than do commercial banks.

Venture capitalists invest in long-term capital and not for interest income. They look for three to five times their investment in five or seven years. The job of the venture capitalists is to find venture projects with this appreciation potential to make up for investments that aren’t successful.

It’s difficult to forecast the productivity of an early stage company. Hence, these venture capitalists set rigorous policies for venture proposal size, maturity of the seeking company, requirements and evaluation procedures to reduce risks, since their investments are unprotected in the event of failure.

Most venture capital firms’ investment interest is limited to projects proposed by companies with a sound operating history. Profits made by those companies aren’t given much precedence before an investment decision is made. Companies that can expand into a new product line or a new market with additional funds are particularly interesting. The venture capitalists provide funds to enable such companies to grow in a spurt rather than gradually as they would on retained earnings. There’re a large number of “start up” companies that get financial help from venture firms. Venture capitalists see that capital investment analyses and capital source studies are planned 5 years ahead. The investment analyses should compare rates of return for product, market, or process investment, while the source alternatives should compare the cost and availability of debt and equity and the expected level of retained earnings, which together will support the selected investments. These analyses and source studies should be prepared quarterly so you may anticipate the financial consequences of changes in the company’s strategy.

15. May 2015 · Comments Off on Canadian Term Insurance Explained · Categories: Financial

Canadian term insurance may be a new idea for many people who think of whole life insurance as simply a policy you pay throughout your lifetime, but term insurance is actually a better option for most people for several reasons.

Term life insurance is basically a life insurance policy that lasts for a specified period of time. Unlike whole life insurance policies which last from the moment they are purchased until the policy holder’s death, Canadian term insurance may last for 10, 20 years or to age 100. While this sounds the same, you will pay much lower premiums and get higher coverage when you opt for term insurance from any of the major insurers in Canada.

Term life insurance is ideal protection for younger people and for breadwinners because coverage amounts can be chosen to cover the amount of the family mortgage, car loans, current debts; problems that you would not want to burden your loved ones with in the event of an accident. When something unforeseen results in the death of the family’s breadwinner, the economic results can be immediately devastating, but a term life policy can be the rescue net your family needs at this traumatic time. Plus, during the coverage period of your policy, your premiums will never change so you’ll always know exactly what you’ll owe to keep your policy in good standing.

07. May 2015 · Comments Off on Local Real Estate Agents May Provide More Relevant Homes For Sale Data Than National Sites · Categories: Financial

Marietta, GA, (November 3, 2004) – According to the National Association of Realtors, 70% of all home buyers search the internet for home listings at some point. While most people choose national sites such as Realtor.com to view listings on the internet, many of these people may not realize that it can take several days for new listings to appear. Additionally, once the home is under contract or sold, it may take several more days before the listing is actually removed. This often leads to a sense of frustration for home buyers.

Many local real estate agents solve this problem by pulling information on homes for sale directly from their Multiple Listing Services (MLS) and updating the homes for sale data on a daily basis. Sanford Rosser of Heritage Real Estate Brokers in Marietta Georgia says, “Saavy home hunters know the best homes are often sold quickly – sometimes within 24 hours of hitting the market. We recognize the importance of updating our site daily and showing every home for sale from all brokers, not just ours. As a result, we have noticed that a few of our clients have been able to beat other buyers to new listings and often save money by acting quickly and avoiding those awful bidding wars.”

Typical internet home shoppers want to see properties that they can buy today while not wasting time looking at homes that have already sold or giving out personal information. Rosser added, “The ability to find homes for sale on the internet has placed more demands on local real estate professionals to provide consumers with accurate and relevant information. In addition, people are increasingly hesitant to give out their name, address, e-mail, or phone number just to see what’s on the market right now. By offering a less personally intrusive, more relevant, and more comprehensive home search capability using their web presence, local agents can make the home buying process less frustrating for their clients.”

03. May 2015 · Comments Off on Instant Loans – Prompt Response to Unforeseen Financial Fiasco · Categories: Financial

Loan market is flooded with loan types that cater to specific needs of loan borrowers – car loans, education loans, mortgage, home loan etc. But what if a requirement of £250 springs up and you don’t have the needful cash and neither can postpone the payment. For this specific cash constraint, there are instant loans. The word ‘instant’ is self explanatory in reference to instant loans. Instant loans are formulated to cover financial emergencies. If borrowers are looking for a source to provide them small amount of money quickly then instant loans are what they need.

Money crisis can spring up at any time. Someone in the family might fall ill and the doctor’s bill amounts to 200 pounds. Death in the family might require you to travel at some other place and bring £400 of expense. Emergency car repair can invite a bill of £250. There are so many things and so many reasons that can extend your monthly budget beyond your capacity.

Instant loans are a rather recent loan type and therefore quite isolated from traditional loans which are meant for larger amounts and require good credit history for approval. Instant loans negate all such cumbersome procedure and get approved in time period of one day or less. Instant loans actually provide you money instantly.

The prerequisite for instant loans is a regular income and current valid bank account. The approval of Instant loans takes a few minutes and the money will be transferred to your bank account the same day or the next business day. This means weekends and bank holidays will not affect the transference of money as instant loans. With instant loans, you can have cash before the pay check arrives.

Instant loans are generally advertised with the provision of no credit check. This is of a specific significance to those borrowers who have less than perfect credit. They have equal standing while applying for instant loans. Instant loans pose considerable risk to the loan lender; therefore, the interest rates of instant loans are usually higher than traditional loans. The interest rates can range from 15%-25% depending on the loan lender. Different loan lenders offer different terms and conditions for instant loans therefore research and looking around would be beneficial in finding instant loans that match your financial anticipation.

Instant loans have never been easier to obtain, especially with the online option. Just one application form and there you are making an instant loans claim. The internet is flooded with instant loan options. Explore your options and familiarize yourself with the terms and condition of instant loans before you settle on any one instant loan. You can apply for instant loans quote at different loan lenders and thereby compare loans. Comparing instant loans online will open your eyes to the cost of instant loans.

Just as the expenses are temporary so are instant loans. This is basic to this loan type. Instant loans simply do not fill in the long term financial planning. Their loan term use will not only backfire but lead you into debt situation which will be difficult to get out of. This is because instant loans have high interest rates. However, they can certainly provide a boost for long term financial planning by taking care of the sudden unforeseen monetary crisis.

Instant loans are available in two forms. One is instant payday loans and instant cash loans. There is not much difference between the two loan types. Instant payday loans are based on the borrowers next pay period. Instant cash loans are also similar requiring little documentation and regular income proofs. Both the loan types are for short term and small loan amounts.

There are instant personal loans and instant secured loans also. Instant personal loans are an extensive term providing a huge variety of interest options and repayment terms. You are likely to find here an instant loan that will satisfy your economic crisis. Instant secured loan will be offered with security. This would mean better interest rates and repayment facilities.

01. May 2015 · Comments Off on Rate Tarts No Longer Welcomed By Mortgage And Credit Card Providers · Categories: Financial

Following on from recent moves in the credit card industry (see Cashzilla “Rate tarts losing ability to cherry pick”) to reduce the number of people switching from one financial provider to another, mortgage lenders are now looking to follow suit.

Abbey is the latest High Street mortgage lender to notify its customers that they are increasing the costs associated with switching from their mortgage to £225, this fee is over and above any other penalties levied for leaving early, and represents an increase of 25%. Abbey is however only the most recent in a list of 53 mortgage providers announcing similar steps within the last year.

Michael Coogan, Director General of the Council of Mortgage Lenders, said, “All lenders are having to look at their fees much more closely now”. The recent financial reviews were attributed to the slowing of the housing market whilst administration costs have continued to rise, however David Hollingworth of mortgage brokers L&C agreed with the BBC that lenders were imposing the charge to discourage people from moving.

The Financial Services Authority advises caution when looking at the possibility of changing lenders. “Switching can cut your monthly payments. But you’ll need to weigh up these monthly savings or other benefits against the up-front costs of making the switch.”

The growth in the number of consumers switching their financial providers has occurred due to the recent growth in the number of finance assessment tables in newspapers, and financial comparison websites such as Moneynet which have been launched to help consumers to get the best rates available.

The ease with which consumers can compare the various rates and offers that are available has meant that financial product providers have fought to attract new financially mobile members from other providers, through special offers and limited term deals. By making use of these deals the financially mobile ‘Rate Tarts’ have been able to wipe thousands of pounds off their mortgage repayments, and some have even turned profits by regularly switching credit cards.

The main strategy that has been adopted by the credit card companies such as Egg, Barclaycard, MBNA, Alliance & Leicester, Tesco and Mint, to prevent rate tarts, is the introduction of about a 2% transfer fee on all balances between cards. Card holders will then usually benefit from an introductory period of up to 9 months at a rate of 0% interest being charged over the deal period.

Although the moves are designed to stop the actions of rate tarts eating into lenders profits, many experts still say that while there are more obstacles, and the benefits of switching have been reduced compared to past levels, borrowers can still save money by judiciously changing between lenders.

Savings Director for Chase de Vere, Sue Hannums, believes that, “Even with these new charges, those with outstanding debts on their credit card should still look to move to a cheaper deal. If they can switch from one introductory offer to the next they should make substantial savings over the long term.”

Financial Director Stuart Glendenning states that consumers are saving about £1 billion a year by taking advantage of interest-free periods; however he suspects that, “Most banks are now working on a way to discourage rate tarts. This will probably come in the form of more widespread and more expensive transfer fees, particularly for longer interest free offers.”

Martin Lewis, of moneysavingexpert.com, advises: “You must be vigilant and be prepared to transfer again and again if you want to make the savings. After a six-month interest free period, you only have to pay interest charges at the standard rate for two months to lose all of the benefits. And even if you forget to move from that card just one day after the free period expires, you will pay an entire month’s worth of interest for that simple mistake.”

23. April 2015 · Comments Off on Banks and Money · Categories: Financial

A bank is therefore an institution that deals in money, as well as providing other financial services. They accept deposits of money from customers and they make loans of those funds to generate a profit. This profit is the difference between the interest they receive from the borrowers and the interest they pay to the customers who own the funds.

Banks are essential to any country’s economy as well as the world economy. The function of banks is to administer the funds given to their care and using it to make a profit.

What actually happens?

When your money is deposited with the bank, it is transferred into a big pool, along with everyone else’s, and it is from this pool that money is lent out to generate income by way of interest. If you write out a check or make a withdrawal, the amount taken is deducted from the balance of your account standing with your bank. If you leave your funds there and allow the bank to lend them out, then the interest portion that belongs to you is credited to your account by your bank.

Banks, in fact, create money by making loans to other parties. The amount of money banks are able to lend is controlled by the Federal Reserve Bank. This control takes the form of requiring the banks to hold a percentage of their funds in reserve and to lend out only the balance.

How do Banks Make Money?

Banks make money by lending your money out at interest and by charging you for services provided. When they lend your money they have to balance their objectives of creating as much income as possible for themselves, with their obligation to play it safe and maintain security for that money. They also have to maintain a good liquidity position in case you and all other customers want to draw cash out.

Liquidity and profitability are sometimes opposite positions – one cannot generally have both at once. If you are able to lend your money for long periods then a lot of interest can be earned. However the bank cannot lend so much of that money out that they prevent their customers from having access to their cash when they want it.

Banks therefore run the operation like a businesses because, in fact, that’s what they are – a business. Your business’s product may be a piece of equipment or machinery or clothing or food. The bank’s product is cash, or money. They sell this money in the form of loans and other financial type products. They make their money on the interest and fees they charge on these loans and they pay others for that money. These others are their customers.

15. April 2015 · Comments Off on Vital Functions of an Investment Banker · Categories: Investing

When a company decides to sell new securities to raise funds, this offering is referred to as a primary issue. An investment banker is the agent responsible for locating buyers for the securities. He or she represents an investment banking company. The investment bank first buys the primary issue from a corporation before arranging for an instantaneous resale of the securities to investors. In general, the investment bank carries out three main functions, which are analysis, investigation and research, underwriting and distribution. The firm can choose to perform all functions or focus on a specific task.

Analysis, investigation and research

This step involves the subsidiary operations such as discovery, negotiation and investigation. The main aim of analysis and investigation is to determine whether a specified issue has adequate merit to be presented to an investment community. This means, the investment banker has the responsibility of analyzing carefully the reliability and soundness of the company whose securities want the investment market. Normally, investigation involves a thorough analysis of financial history of the company in question by accountants, a survey by engineers of its physical property, a deep review of its operation and investigation of any legal factors.

Public cash offering

This process is also known as underwriting. When a company decides to sell securities to the public, it comes to an arrangement with an investment firm where the investment banking company buys the entire issue at a defined price, which is known as underwriting. Additionally, underwriting also means that the investment-banking firm will assure the corporation of a certain minimum price for the new securities. The compensation for the underwriter is the difference between the price it sold the securities to the public and the cash it paid to the corporation.

Distribution

One of the main functions of an investment-banking firm is to market equity or the security issues. In this role, the firm acts as a distribution agent distributing securities for the corporation effectively. If an organization tries to sell an issue on its own, it is usually ineffective and very costly.

08. April 2015 · Comments Off on How to Save Money · Categories: Financial

Merchant Accounts

Your business is successful, but now your ready to take it to the next level and begin accepting credit card transactions, or you have already taken this step but your feeling that your merchant account provider has high fees and your not sure what to do, or what other providers are out there?

You can save hundred’s even thousand’s of dollars per year by switching over to a new merchant. How is this so?

Just in transaction fees alone if one provider is charging you 35 cents per transaction and another Merchant account provider charges 25 cents you are already saving 10 cents per transaction.

If you process over 1000 transactions per month thats already $100 per month savings and over one year this amounts to $1,200.

Merchant Accounts can make or break your business, whether it is online, retail, phone, mail, or wireless. Every Merchant Account provider has fees that can affect your business in different ways.

We have compared the best merchant account providers currently in the business and we have detailed their fees so you know exactly how much you will be charged.