At the moment, money is a problem for everyone, no matter how much they have, and at the rate that the credit crunch is taking affect, it isn’t going to get any easier. Currently, a perfect credit score seems an impossible target to reach, and with no help coming from the economy, banks and lenders stay away from less than perfect credits scores like they are the plague.
Wednesday, August 31, 2011
Monday, August 22, 2011
Business-to-Business Sales (B2B Sales) refer to the concept of sale between businesses. A B2B sale involves a bigger picture than Business to Consumer (B2C) sale. In generating more prospective B2B POS, you can make use of the technique of covert hypnosis and NLP, Neurolinguistic Programming, since this type of sale also concerns a person-to-person interaction. Covert Hypnosis in simple terms refers to a process of putting a person in the state of walking trance without his or her realization.
Friday, August 19, 2011
We purchase a product because it has utility to us. In other words, we only splurge on those items which have the power to satiate our needs. An annuity is also like a commodity that fulfills our desire to live a happy and hassle-free life. This kind of product does not produce an immediate impact on your life but you will surely gain amazing benefits in remote future. Like other varieties, fixed annuity is also a contrainsurance companyct between an annuitant and an insurer. You make a series of investment or pay it at one go depending on your financial strength and objectives. In return, you earn income from the insurance company either for a set period or till your last breath.
Saturday, August 13, 2011
My name is Michael O’Brien and I am the editor of the Northern District of California Blog. There I have written dozens of articles on bankruptcy and I would like to share a little bit about discharging student loans in bankruptcy.
As Amy has mentioned on her blog, there are many betters ways to deal with creditors thank bankruptcy, such as debt consolidation or debt settlement. However, those options are not available for student loan debt because lenders can usually use wage garnishment to get the money from the debtor. There are payment plans that are income based such as Income Based Repayment (IBR) where an individual pays a percentage of his or her income for 10 or 25 years depending on the circumstances and then the debt is discharged. Otherwise, to get the loan discharged the debtor needs to show that payment of the loan will be “an undue hardship” of the debtor or the debtor’s family. This is a tough trail to hike, but it isn’t impossible.
Friday, August 5, 2011
Start Saving for your First Home
Most lenders will require between 5% and 10% of the property value for your home loan. On top of your deposit you also have to take into account costs such as loan application fees, stamp duty, lender's mortgage insurance, valuation fees and settlement fees. As a result, it is a good idea to budget another 5% of the property value for these expenses.