Are you looking for financial assistance so that you can start a new business in the UK? You have this option for applying a new business loan that is especially designed keeping in view the requirements of a new business in the UK.Depending on the amount you want to borrow and as per your personal circumstances, you can opt for secured or unsecured new business loans. In case of greater amount for starting a new business, secured new business...more
The stages of a real estate market are most often recognized only after the fact. Even when all the historical data confirms that a downturn is in progress, most speculators won't stop gambling. Real estate speculators call themselves investors because they believe they are taking calculated and controllable risks when purchasing homes. In the mid to late 1990's real estate investing was virgin territory because it was easy to use formulas of...more
There are solutions for the subprime lending crisis that entail making changes to the way lenders are handling this crisis. There are distinct groups of individuals that are causing this foreclosure epidemic. First, there is the homeowner who got a "teaser interest rate" that was affordable at the time but became unaffordable when the interest rate adjusted. In addition to the teaser interest rates, lenders started a policy of "no documentation of income" or no-doc loans that did not require borrowers to show proof of their income and are now referred to as "liar's loans". The problem was that homeowners couldn't afford the payment if there were any increases due to taxes, insurance, or an interest rate adjustment.Next, there are individuals that purposely chose low-interest rate, interest only, and even negative amortization (neg-am) loans with the intent of flipping the property after one or two years and taking a huge capital gain. In the past few years, these "speculators" became trapped, either unable to sell or renting them with negative cash flows. The most viable option for these investors was to give the property back to the lender by foreclosure rather than bleeding...more
Credit cards offer a high level of security and flexibility to customers, and this is why so many people use their credit cards for day to day purchases as well as for special purchases. Visa credit cards are the number one credit card used by people around the world, since Visa credit cards offer exceptional convenience and reliability. ...more
The credit rating of a borrower is a deciding factor for the approval of a loan. Adverse credit can lead to a bad impact on the lender such that he may reject the loan. In such situations, the best option is to go for adverse credit secured loans. Adverse credit may be a result of missed repayments, CCJs, defaults, arrears, or a bad credit score. A...more
Unlike traditional residential real estate mortgages, real estate investment financing is way more creative and offers more options than you think. The golden rule in real estate investment is OPM (Other People's Money).I have enough money; shouldn't I buy my real estate investment for cash? No, I absolutely advice against investing large sums of cash into a single real estate investment. There are two reasons why not. First, you give away most of your profits by not leveraging your real estate investment. Second, it is far too risky to put every egg into one basket.Let me explain the leverage issue for a moment. I will give you an example of a $100,000 investment property that typically increases its value (appreciates) by 7% average a year. Maybe more, maybe less depending where you live. Paying all cash for this property will yield in a 7% appreciation profit plus the net profit from renting the place. Now you're looking at roughly 15% of returns.If you're conservative with your investments you might be satisfied with this kind of a return. These days you might get equal or better returns with other conservative investments minus the hassle of being a landlord. But you don't...more
Hi!Many managers will often say their personal assistant is invaluable to them yet they often treat them as if they're not.Day after day, week after week the P.A. is in the office, slogging away making sure the work gets done. In many instances it is...more
Hi!An article in a major American business magazine nominated personal organisation as the main reason that senior, top level super-executives are so successful. The story admitted that while vision and energy were very important, the most vital of...more
Many office-based workers do not realise that the environment they spend a majority of their working week in, may not be good for their health. Have you ever experienced headaches, respiratory infections, asthma or fatigue? Do these ailments occur at...more
Hi! When your life is working well it's an opportune time to reflect on what you've been doing to make it that way. What have you pro-actively done? The same applies for when it spirals out of control - what have been the main contributing factors?...more
Hi!How did your finances shape up at the end of the tax year? Are you in a better financial position now than 12 months ago? Have your assets increased in value? Are you earning more money? If you've answered yes to these questions, that's great. If...more
Hi I'm always amazed at how disorganised most businesses are. The huge amount of opportunities that fall by the wayside due to poor management. Let me tell you what happened to me recently. The Car Dealership I stopped off at my local dealership as I...more