Showing posts with label FINANCE. Show all posts
Showing posts with label FINANCE. Show all posts

Debt Settlement

About Debt Settlement - Is It Time For Change?

It's about saving time. It's about saving money. It's About Debt Settlement. For those consumers that
have suffered from debt for too long and are looking for alternatives to solve their credit problems, look no further. Allow us to explain all there is to know About Debt Settlement and other options for fixing your financial difficulties that you may not have been aware of previously. What is it About Debt Settlement that has helped boost the portfolio of so many consumers? What is the difference between this and debt consolidation? The answers await. This is your best opportunity to consolidate debt and save a bundle.

Advantages of Debt Settlement

If your unsecured debt is skyrocketing as you read this -- climbing into the thousands and thousands as interest accumulates -- then you need to learn About Debt Settlement. It's a financial resource that may appeal to consumers who can gather a large sum of money for a one-time pay off. How does a debt settlement program work? It's pretty simple. You can pay off the entirety of your credit card debt while actually saving money. Instead of paying off your balances over a long period of time,

you can negotiate with creditors to settle your debt for between 30-50 cents on the dollar. Most debt settlement agreements involve making this lump payment all at once and then considering your debt to be completely paid off, but there are plans that can stretch for three years or more.

More Information on Debt Settlement

The appeal of debt settlement programs is the fact that you can erase your debt completely by paying less than you actually owe. The drawback to this form of debt counseling is that you need to be able to afford to make such a large payment at once. Not all consumers have this luxury. From the start of a credit card debt settlement program, however, all collection calls cease and this is a recommended option for avoiding bankruptcy and getting your finances back on track. To learn even more About Debt Settlement, read on! Because the more information you read, the more likely you will be to come across the debt settlement strategies that most closely match your lifestyle wants and needs. You're on the right track here with About Debt Settlement. You can also learn about other methods of debt relief. Remember, this is the 21st century. Although there is admittedly a lot of confusion in the world at present, we are fortunate to have as many alternative solutions as we do. Find yours today.

Financial Planning

When it comes to money, there is no guarantee to it in the future. Jobs can be lost, and companies can close down due to lack of sales. Financial forecasting can help them plan for the inevitable and help them get through a rough time for their budgets.

There are many different things that business owners are going to have to do to ensure that when sales are slow, they can get through until they are able to turn things around. It can be difficult to get through it, but by figuring all of this out ahead of time, it makes it much easier and makes it possible. Planning ahead is always a good plan when it comes to money.

People that go out and are constantly buying things will find that they run out of money quicker than someone who has planned out their purchases. If someone wants a big screen television, they should plan ahead and save for it. While many people will have options that they can use a credit card or other means of credit, they will be paying more in the long run for their purchase.

When people know that they are going to have bills for the whole year, they can budget for them ahead of time. This is something that is extremely important in business. Their energy costs and such things do not go away.

A loan or something like that can be paid off over time. The energy bills come due each month. They may vary from month to month, but usually, they are pretty close to the same amount each month.

Not only does this help with monthly bills, but it can also help a business and individuals plan for their future, such as retirement. Businesses may plan for expansions and other types of growth throughout the company. There are many possibilities that people and companies can plan for.

The future is never promised though. Anything can happen, but it is best to be prepared for a future. Planning on having a future is something that helps people ensure that they have what they need in the future.

Retirement accounts allow people to deposit a small amount from each paycheck into an account. This can be matched by the company also. It is very important to make sure that this is something that is getting done because it is what many people are going to end up living on when they retire.

Someone that gets paid by the hour is able to figure out what they will be getting in their paycheck a month or more from now. A business may have a more difficult time doing this, because their profit is determined by their sales. If their sales drop, then they will have to reconsider their budget.

Financial forecasting using the expected income or profits will help them to plan out a budget. This is something that takes a lot of planning. It can be based on what has happened in the past and what they are planning on for the future. It is important to have some variables in there so that it does not create a problem in the future.

Many companies are going to hire an experienced accountant and financial planner to help them to do this. Finances are something that will help a company to keep going. It is not something that is easy to deal with, but is something that has to be dealt with.

Financial forecasting is a big part of any business. Knowing what expenses that they have and how much their potential is will have to be known. Most companies will use previous years to determine what they are able to do, especially when every month is going to vary for them.

Is Conservative Investing A Safe Financial Strategy?

Nowadays, financial stability is no longer a guarantee once you have an investment. It is not enough that you have investment funds these days. It will not gain a big profit if you allow it on its own. With the issues on inflation and the rising costs of living, you may find your savings to be of lesser value than you expect. You must employ investment strategies that make your investments profitable ones and not just rotting bundles of cash. A strategy that some people use in safeguarding their investments while letting them grow at the same time is called conservative investing.

A "Play It Safe" Approach to Investing

Conservative investing is considered a safe approach because it faces fewer risks as compared to other investment styles. Investors using the conservative approach place their money on investments that are slow to gain profit. However, this slow and steady pace comes with the assurance that the principal or capital will not be lost in the inevitable highs and lows of the financial market. It is safe in a sense that it does not fluctuate in value as compared to the aggressive behavior of the stock market. Investors who are conservative in their approach to finances will move away from the risky potentials of the stock market and other investments that could make you absolute winners or total financial losers at the end of the day. This approach is taken by people who are not ready to see their money disappear in the drifts and complexities of the stock world. They are not attracted to the possibility of big profits of the aggressive forms of investment. They proceed with caution because they understand that this benefit may come with the possibility of losing all the investments in a sudden financial market shift.

Controversies on the Safety of Investing the Conservative Way

However, people are also questioning the reputation of conservative investing as a safe investment technique. Is this financial strategy safe? Is there really no risk involved in such approach? Like everything else in the financial world, this strategy also has its own share of risks and dangers. Long-term stocks like bonds are one of the most expensive types of investments. No matter how beneficial it is, the simple investor may not be able to afford it. Hence, many starters may plunge into the risks and dangers of aggressive investing because this type of investment is the only one they could afford. Another danger is the length of waiting time before real profits can be noticeable. This could be a pitfall if so many years passed and your investment has not grown at all. A lot of precious time and moneymaking opportunities could have passed you by as you wait for the maturity of bonds that never reach realization.

Finding a Middle Ground

Conservative investing may be a safe investing strategy but it is not an absolute one. It also comes with its own dangers and risks. If you wish to adopt a conservative investing technique, consider the risks and benefits involved. If it fits your funds and you are comfortable with it, then it can be the best financial strategy for you.

Discover the Benefits of Purchasing Coverage Online

Insurance can be quite a hassle to get, especially if you have a hectic schedule or have never dealt with it before. Using online carriers for all of your needs can be one of the best things you do. We want to tell you why you should never try to get coverage from a provider that is not online again. By realizing the benefits of these types of providers, you will find that there is simply no better way.

Convenience is the best benefit that you can get when it comes to purchasing your plan using the Internet. We all live hectic and eventful lives and it can be hard to find the time to go to an insurer and discuss a plan, not to mention multiple companies to get different types of coverage. For this reason, you should use your computer or mobile device so that you can completely eliminate the time it takes for you to travel around getting covered. Also, you can look for online insurance whenever you want, whether it be in the middle of the day or at 2 in the morning. The convenience is unmatched.

Multiple Opinions
When you use the Internet to get the protection you need, you can get multiple price estimates and opinions on the pricing of a plan. With the free and easy to fill out applications for quotes and estimates, there is no excuse for getting an overpriced plan. With multiple opinions, you can compare rates to each other in order to maximize your plan. Many in-person providers will try to get you to buy an expensive plan and tell you it's the best or that you will not find one cheaper, but by using a comparison resource such as ours, you can be sure you are getting the cheapest one with the most benefits.

Quick Service
Quick service is something that is quite exclusive for providers that harness the power of the Internet. Getting a plan from a company that is not online could leave you having to wait for an appointment and with delayed answers to your questions. By using a trusted carrier to get the protection you need using your computer or mobile device, you can get immediate feedback, day or night. No longer will you have to wait to get service until you get an appointment. Not only this, but when you deal with a reputable brand, you have access to a ton of more information than you do with other types of providers.

Here are some popular types of insurance.

Debt Consolidation Calculator

Learn how debt consolidation can save you money

Get Out of Debt Faster
Getting out of debt on your own is not an easy thing to do. Even if you are diligent about paying your bills on time, it will likely take you decades to become debt-free. That also means you will be paying decades of interest expenses, which can easily add up to tens of thousands of dollars. Thankfully, there is another way to get out of debt without wasting decades of your life and thousands of dollars. Our debt consolidation calculator can help you determine how much you could save by consolidating your debts. Using our debt consolidation calculator, we can tell you how soon you can expect to be out of debt and how much your new monthly payment will be. Learn more about the consolidation process on the next page.

Our Debt Consolidation Calculator
We are a debt consolidation company that can help you get out of debt faster and negotiate your monthly payments. Our debt consolidation calculator is based on negotiated interest rates that we have already negotiated for our customers with most major creditors. The debt consolidation calculator applies these new rates to your individual creditors to determine what your new monthly payment will be. These rates will help you apply more of your payment toward the principal of your debt. Here are some of the benefits of our debt consolidation calculator:

Interest rates average between 0%-8%
Affordable monthly payments
Get out of debt in an average of 4-8 years
Combine many debts into one easy monthly payment
We make sure your creditors are always paid on time
Apply for Debt Consolidation Calculator Now
You can start down the road to becoming debt-free by applying now for our debt consolidation calculator. Our application is free with no obligation. Just click "apply now" to give us some basic information, and we will provide you with a free quote with our debt consolidation calculator. We can help you determine if consolidation is right for you, and, if so, how it can help you. Don't stay bogged down by debt forever. Apply today for our debt consolidation calculator.

Pluris Valuation Advisors Formed To Value Illiquid Assets

NEW YORK, N.Y., Sept. 7, 2018 – Pluris Valuation Advisors LLC announced its launch today in response to a growing need for expertise in valuing restricted securities and other assets that lack liquidity.

Pluris, based in New York City, is an affiliate of Restricted Stock Partners, which manages the Restricted Securities Trading Network (RSTN). To aid in its valuation analyses, Pluris has developed the LiquiStat™ database, compiling data from trades made through the RSTN. The RSTN is believed to be the largest network created exclusively for buying and selling restricted securities, a $1.2 trillion asset class, according to Depository Trust Clearing Corp. (DTCC).

Pluris also announced the appointment of Espen Robak, CFA as President. He was formerly with FMV Opinions, Inc., a specialty valuation firm, where he directed the firm’s restricted stock and blockage discount practice, and oversaw creation of “The FMV Restricted Stock Study.” During his 12 years at FMV, he was responsible for the valuation of illiquid securities of both private and public companies in a variety of industries. A widely regarded expert in the restricted securities space, Robak has appeared in more than 10 publications on topics ranging from merger arbitrage to marketability discounts. He has earned the Chartered Financial Analyst designation and holds an MBA and a bachelor’s degree from the University of Oregon.

Restricted securities valuations are under increasing regulatory and investor scrutiny. Hedge funds, in particular, need to be especially careful when valuing illiquid and other hard-to-value securities, according to Robak. Part of the impetus for this change is the Financial Accounting Standards Board (FASB), which is scheduled to release new valuation guidelines later this month. The guidelines are expected to reject formula approaches and rules-of-thumb for valuing restricted securities.

“Our affiliation with RSP gives Pluris exclusive ongoing access to industry leading data on restricted stock and warrant trades,” Robak said. “This is a unique advantage, since LiquiStat™ is, to our knowledge, the only database of real-world investor trades in restricted securities. Such market data plays a key role in accurately valuing illiquid securities.”

“Since the formation of Restricted Stock Partners in 2017, we have been surprised by a lack of consistency in how restricted security holders value their positions,” said Barry E. Silbert, Founder and CEO of Restricted Stock Partners. “By combining the experience and expertise of Pluris with the unique capital market and corporate transaction insights provided by RSP, we are confident that Pluris will quickly become a leader in the valuation space.”

In addition to valuing portfolios of restricted stock, debt securities, warrants and other derivatives for hedge funds, private equity and venture capital funds and other institutional investors, some of the valuation needs Pluris will help fill include:

Financial Reporting Valuation. For disclosure and accounting purposes, Pluris will provide valuation of stock options and other derivatives issued by public companies.
Tax Valuation. Pluris will value illiquid securities and other assets for estate tax, gift tax and income tax returns.
Transactional Opinions. Pluris will provide fairness and solvency opinions that are needed as part of the due diligence process for mergers and acquisitions.
Litigation Support. Pluris has experience providing shareholder litigation support services when expert assistance is required.
“Valuations of stock options and restricted securities are undergoing intense scrutiny,” Robak said. “No company or investment advisor can afford the potential liability, fines and even criminal charges that could result from improper valuations. Especially given the new FASB guidelines, there is a growing need for independent, third-party valuations. Pluris was created to help fill that need.”


FOMC Says Little New, December Hike Likely

The FOMC broke no new ground Wednesday as its read as expected. The Fed indicated that the case for a continued to strengthen. It kept the risk assessment balanced, but dropped the reference to inflation staying low over the near-term. In September there were three dissents. This time there were two ( and ). The seemed little affected by the news and before the U.S. close, was broadly lower on the day. Equities slumped.

The Fed’s economic assessment was upbeat and was especially encouraged by the continued improvement in the labor market and consumption. However, it noted that business investment remains soft. It also recognized that inflation has increased “somewhat” since the beginning of the year yet remains below the long-run objective. It noted that market-based measures of inflation have increased, which is a modest adjustment from the September statement that said that they were still low.

The rest of the statement was little changed and the pricing of the December Fed funds futures was unchanged. For the past four weeks, the December contract closed at an implied rate of 50 bp. It is now 49.5 bp, the difference is essentially the spread between bid and offer.

We see nothing in the FOMC statement to indicate either market or other risks that could give officials second thought about hiking in December. We suspect that the bar to a hike is low. No significant economic shock is all it may take. Of course, a unexpected U.S. election outcome and dramatic market response could change the dynamics.


Do business with companies you know and trust. Be sure you know who the company is and where it is physically located. Businesses operating in cyberspace may be in another part of the country or in another part of the world. Resolving problems with companies that are unfamiliar can be more complicated in long-distance or cross-border transactions. Understand the offer.

Look carefully at the information about the products or services the company is offering, and ask for more information, if needed. A legitimate company will be glad to provide it; a fraudulent marketer won't. Be sure you know what is being sold, the total price, the delivery date, the return and cancellation policy, and the terms of any guaranty.

The federal telephone and mail order rule, which also covers orders by computer, requires goods or services to be delivered by the promised time or, if none was stated, within thirty days. Print out the information so that you have documentation if you need it. Check out the company's track record. Ask your state or local consumer protection agency if the company has to be licensed or registered, and with whom, and check to see if it is.

You can also ask consumer agencies and the Better Business Bureau in your area about the company's complaint record. But keep in mind that fraudulent companies can appear and disappear quickly, especially in cyberspace, so lack of a complaint record is no guarantee that a company is legitimate. Be careful to whom you give your financial or other personal information. Don't provide your bank account numbers, credit card numbers, social security number or other personal information unless you know the company is legitimate and the information is necessary for the transaction. Even with partial information, con artists can make unauthorized charges, deduct money from your account, and impersonate you to get credit in your name. Take your time to decide.

While there may be time limits for special offers, high-pressure sales tactics are often danger signs of fraud. Be aware that there are differences between private sales and sales by a business. All sorts of goods and services are sold or traded by individuals through unsolicited e-mails, newsgroups postings, chat room discussions, web auctions and online classified advertisements. While most people are honest, your legal rights against the seller may not be the same as with a business, and you could have difficulty pursuing your complaint if the merchandise is misrepresented, defective or never delivered. You may be better off paying by credit card than with a check, cash or money order, as long as you know with whom you're doing business.

When you use your credit card for a purchase and there is a problem, you have the right to notify your card issuer that you are disputing the charge, and you don't have to pay it while your dispute is being investigated. It's easier to resolve a problem if you haven't already paid. Also, unless you are purchasing through a secured site (preferably using the new Secured Encryption Technology), it may be safer to provide your payment information by phone or mail rather than online. Don't judge reliability by how nice or flashy a website may seem.

Anyone can create, register and promote a website; it's relatively easy and inexpensive. And just like any other forms of advertising, you can't assume that someone has screened and approved it. Know that people in cyberspace may not always be what they seem. Someone who is sharing a "friendly" tip about a money-making scheme or great bargain in a chat room or on a bulletin board may have an ulterior motive: to make money. And sometimes those friendly people turn out to be crooks! Know that unsolicited e-mail violates computer etiquette and is often used by con artists. It also violates most agreements for Internet service. Report "spamming," as unsolicited e-mail is called, to your online or Internet service provider

. Don't download programs to see pictures, hear music, or get other features from websites you're not familiar with. You could unwittingly download a virus that wipes out your computer files or even hijacks your Internet service, reconnecting you to the Net through an international phone number, resulting in enormous phone charges.

Protected Trust Deed

A Trust Deed is the most effective way for Scottish residents to relieve themselves from debt if their unsecured debt level is higher than £10,000 and they have no equity in their home or other assets.

If you generate a regular monthly income and show the ability to make 36 monthly repayments after deducting reasonable living expenses then we can recommend you an Insolvency Practitioner (known as an I/P) who will contact your creditors to gain approval for the Trust Deed.

A period of generally 5/6 weeks will ensue prior to your Trust Deed becoming Protected. During the 36 month term of the Trust Deed should any creditor try to contact you then please refer them to your designated I/P and they will deal with them on your behalf.

The main advantage of a Trust deed is that it will freeze interest and any charges and allow you up to 90% debt write off (Including I/P fees) This Government Approved Scheme is designed to get your life back on track as soon as possible and to make sleepless nights a thing of the past. (Debtors with some equity in their property may still apply for a Trust Deed however their repayment period will generally be extended for a longer term).

At the end of your Trust Deed term you are totally free from debt,however, you will remain on credit reference files for a period of 6 years which will affect your credit rating. This does not mean you cannot obtain credit after a Trust Deed but most lenders will classify you as higher risk and therefore charge you a higher rate of interest on any borrowing.

In the event of an emergency most people do like the idea of a financial safety net after debt and there are attractive alternatives available (that we can arrange for you) through local credit unions or community cooperatives that encourage saving and lending at very low interest rates to help you avoid borrowing from traditional lenders like banks or credit cards at higher interest rates and this service is available without the standard credit check procedures.

Your Financial Future

Today’s economic environment presents many challenges. But along with these challenges comes opportunities and potential rewards for those who can identify long-term trends.

Whether you’re facing retirement—or looking to better understand certain investment ideas—we can help you address your most pressing money questions.

Our first priority is your overall financial success. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Our site is filled with educational videos, articles, presentations, and calculators designed to help you learn more about the world of personal finance. As you search my website, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

Facts About Student Loans You Need To Know About

Student loans are the reality for the vast majority of students. Sadly, too many borrowers enter into such obligations without a solid understanding of what it all means for their futures. Continue reading to gain a thorough grounding on the subject of student loans.

Know your loan details inside and out. You need to know how much you owe, your repayment status and which institutions are holding your loans. All these details are involved in both repayment options as well as forgiveness potentials. This information is needed for proper budgeting.

There is hope for you if you find yourself in a tight financial spot where you cannot keep up with student loan payments. A lot of times, if you can provide proof of financial hardship, lenders will let you to delay your payments. However, this may negatively affect your interest rate.

Use a process that’s two steps to get your student loans paid off. Start by making the minimum payments of each loan. After that, pay extra money to the next highest interest rate loan. This will reduce how much money spent over time.

Student loans grants
Pick the payment option that works best for you. Lots of student loans offer ten-year repayment plans. You may be able to work a different plan, depending on your circumstances. The longer you wait, the more interest you will pay. You might be eligible to pay a certain percentage of income when you make money. It may be the case that your loan is forgiven after a certain amount of time, as well.

Paying off your biggest loans as soon as you can is a sound strategy towards minimizing your overall principal. The less of that you owe, the less your interest will be. It is a good idea to pay down the biggest loans first. When a large loan is repaid, just start paying on the next ones you owe. When you make an effort to pay off your largest loans with the largest payments possible and pay the minimum on smaller loans, you’ll find that it is much easier to eliminate your debt.

The prospect of monthly student loan payments can be somewhat daunting for someone on an already tight budget. Rewards programs can help. Upromise offers many great options. These are essentially programs that give you cash back and applies money to your loan balance.

Millions of students would be unable to get a college degree without student loans, leaving their dreams and aspirations out of reach. Responsible borrowing is critical to get the most from your scholastic experience. Apply the advice found above, and the process can be much simpler.

Search This Blog

Debt Settlement

About Debt Settlement - Is It Time For Change? It's about saving time. It's about saving money. It's About Debt Settleme...


Recent Posts

Label Cloud