Finance Portal

Having a good credit score is important to anyone who is looking to purchase a home, car or anything else requiring your credit to be pulled. For many Americans, improving their score is an everyday uphill battle. During the pandemic, many people defaulted on loans and credit cards due to loss of income. Despite their hardships, there are many programs out there to help them rebuild. Those who have low scores can utilize second chance credit programs available online to improve their score from repos or charge offs.

Rebuilding Your Score

One of the best ways to rebuild your score is by applying for a credit card or using credit boosters. Boosters allow you to report your utility bills or rent to your credit history. You get rewarded for paying your bills on time. When applying for a card, you want to use a secured or unsecured credit card. Secured requires you to deposit your own money to build credit. Most companies required a $200 minimum deposit to begin. This option is only for those who can get approved for an unsecured card. Unsecured cards are the best option as it allows you to use the credit card companies’ money to build your score. The best way to find these cards is to look up, second chance credit card with no security deposit. You either use Google or Bing to find these results.

Improving your score

You do not have to have a score to apply for a credit card. Many credit cards approved people with no, limited or bad credit. When filling out your application, make sure you input your information accurately. Doing so will help verify your information quicker and easier. The majority of companies require you to be employed. After filling out your app for instant approval credit cards for bad credit no deposit, you will be taken to a page with your approval amount. Utilize no more than 30% of your credit limit and make your payments on time. By doing so, your limit will increase usually within the first 6 months.

In Conclusion

There are many options to rebuild your score. From credit boosters to cards it will depend on you. Be consistent in making your payments on time and it will make purchasing things easier. Having good credit will save you money by allowing you to have lower interest rates on anything requiring finance. Credit helps you save and grow your money over time.

Private loans are an important tool for any person that desires to invest, especially if you find conventional loans unavailable or not the best alternative. Private cash lenders face various risks in the lending process. The venture is usually considered greatly speculative. As an investor, you can opt for private money lenders if the bank has declined your venture or if it has been dropped already; personal cash assistance offers financial help through loans. Here are some things you ought to know about private money lenders:

Versatility

The loans offer you lower rates: you can also choose from various prices depending on what you can afford. The terms of the loans differ based on the risk levels of the venture. Different lenders will offer options payments of interests ranging from yearly, quarterly, and monthly. It is recommended that you evaluate the exact terms with the private money lenders. Private cash loans are available within a short time: such loans need to be paid within a short duration. Therefore, ensure that the choice of investment in such a scenario can offer a profitable return within a short period.

Requirements

One of the main advantages of private cash loans is that very few documents are needed. Some of the basic documents presented include bank accounts, income proof, and credit scores.

Private lenders offer an alternative solution to the financial concerns of entrepreneurs and investors. The firms need less than the usual lending institutions and popular settlement choices. Private money lenders are hedge funds, individuals, portfolio lenders, real estate brokers, or bank-owned properties. In simple terms, private lenders are organizations or people who provide personal loans to those that need to invest further financially to establish a small business. The lenders provide the start-up cash needed to launch your business when you cannot raise the money. This is an ideal option for people trying to grow small businesses together with other endeavors.

Few things are as daunting as purchasing a home, especially for first-timers. After all, it’s likely to be the most significant investment that you’re likely to make in this lifetime. And the prospect of making a potentially costly mistake can cause more than a bit of stress. Fortunately, buying your dream house doesn’t have to be an incredibly trying and challenging proposition. With that said, here’s a quick rundown of everything that you need to do to ensure that the entire process goes as smoothly as possible. Continue reading to find out more.

Seek the services of a financial planner

These days, it’s pretty common for many aspiring homeowners to hire the expertise of financial planners like those from Fingerprint Financial Planning on their search for their first house. Beyond their ability to help you maintain control over your financial situation, they’ll also have the knowledge and contacts to help you reach your dream of homeownership. So don’t overlook these professionals. They may be able to guide you in getting you the property you want without putting you in a position wherein you’ll struggle to make payments.

Check your financial situation

Before you begin checking through the online listings for your dream home, you must carefully audit your finances first. When you get right down to it, buying a home requires a considerable commitment of financial resources. If you don’t ensure that you’re financially prepared to shoulder the responsibility, then you’ll end up struggling throughout your mortgage. As such, you must run the numbers first – from your ongoing expenses to your net income. It will save you from a lot of trouble.

Explore all avenues

We all have a home that we dream of having. However, it may not necessarily fit the budget that you have allotted for it. For this reason, you must explore all avenues before you decide on which option to go. It may be a little tedious to go through the listings and carefully consider the available properties. However, doing so may help you find an alternative that will meet your standards without forcing you to break the bank in the process.

Ensure that you have enough money saved

It is a general rule of thumb never to commit to buying a house before you’ve had the opportunity to check your savings. Ensure that you’ve got at least half a year of savings because you’ll have to deal with many upfront costs, such as the closing expenses and the down payment. And you’ll need to have enough funds in the bank not only to cover these costs but, more importantly, to keep yourself financially healthy.

Conclusion

There’s no denying that buying a property is a big responsibility. However, it doesn’t always need to be a colossal undertaking. By hiring a capable financial planner, ensuring that you’re in good financial health, and checking every available option first, not only are you likely to find the right house that will best fit your needs. But you’ll also avoid problems that might make it harder for you to meet the payments.

Image: https://pixabay.com/photos/house-home-residence-real-estate-961401/

As a result of the fact that modern-day traders have access to advanced trading tools and an endless amount of information, many of them are unaware of the humble origins of investment technologies in the stock market or the various technologies that altered the market.

From the creation of the first stock to the algorithms of today, various technologies help to shape and mold the stock market that we have come to know. In this post, we list five key technologies that fundamentally changed the way we invest in the digital era.

1) Terminals

Computerized terminals that allow you to buy OTCMKTS EMHTF stock were introduced back in the 60s. Since then, they have grown to be highly sophisticated. Back in the 1960s, a company by the name of Ultronics and Scantlin Electronics was the primary manufacturer of computerized trading terminals. They were dedicated trading machines to which an analyst would use by pressing basic keys to get stock quotes.

Back then, this was a dramatic improvement in the availability of information. In today’s world, advanced terminals from companies such as Bloomberg and Reuters utilize cloud-based software which can be placed into any type of computer. This has given analysts the power to rapidly access real-time news, pricing, execute trades or chat to competitors and clients.’

2) Online Trading

Within the stock market world, it’s a well-known fact that the introduction of electronic trading eliminated the need to use traders. However, online trading technologies were responsible for changing the role of brokers. Prior to the introduction of online trading platforms, investors would have to call a financial advisor so that they can place a trade. By doing this, they would usually have to pay commissions. But by the early 1990s, companies started to develop online trading platforms which helped to facilitate direct selling and buying by operating as a source investors could use to see current stock price information.

3) Mobile Apps

In today’s world, more and more stock trading apps are being developed. These types of apps have helped to make it easier for people to access the stock market. Stock for large companies, such as Tesla or Amazon, can cost hundreds of dollars if not thousands for one share. However, many apps, like Robinhood, allow you to buy a fraction of a share. Nowadays, newcomers can literally invest as little as $1 or $2 in a company by using these types of apps.

This is helping to democratize the stock market because they make investing accessible to individuals who have a limited income. Not only that, but the investment app revolution has also had a significant impact on other top companies within the stock market business sector. Several companies such as Fidelity and TD Ameritrade now provide free commissions and free trades just so that they can keep up with these types of low-barrier apps.

4) Circuit Breakers

While it may not seem like one of the most innovative technologies that were implemented in the stock market, it’s actually one of the most crucial technologies to embrace the stock market. That is because the introduction of circuit breaks was essential to developing stable financial markets.

Circuit breakers are systems that are created to control panel selling, by halting trading on a given exchange when prices become volatile. Circuit breakers were introduced after the market crashed on October 19, 1987. Back then, the DJIA dropped by more than 22% in a single day. This led to a catastrophic collapse in the stock market, which is now infamously known as “Black Monday.”

Circuit breakers are still used in today’s world and are crucial for the sustainability of all stock exchanges across the globe. For instance, as far as the S&P 500 goes, if an index falls below eight percent of its previous close time, trading on all exchanges in the country is halted for 15 minutes.

5) Social Media

Stock prices go up and down as a result of fluctuations in demand and supply. If more people are attempting to sell their stocks, their prices will gradually fall. If more people desire to purchase a stock, its price will increase. The relationship between demand and supply is sensitive to the news topic of the day.

Social media has proven to be an invaluable source of data for modern-day investors because they use it to perform sentiment analysis which means that they track the impact of news on the markets. In fact, using social media to track the impact of news has spawned an entire business sector on its own. Companies, such as Dataminr, dedicate their resources to tracking Twitter data for real-time event changes. Reports suggest that they have a large client list of over 75 entities who have over $1 trillion in assets, collectively.

One person dies in a drunk-driving accident every 50 minutes. The number of deaths have fallen in the last 30 years by about 33%, but still kill more than 10,000 people every year. The loss of life is devastating, and the loss of income and financial repercussions can be life-changing.

What DUIs Really Cost

The average DUI in Florida costs about $10,000. You can expect to pay a number of expenses, expected and unexpected:

• Bail
• Towing and impound costs
• Drunk driving education programs
• Higher insurance fees
• Court and probation costs
• Attorney fees
• Drug and alcohol counseling and assessment
• Reinstatement of driver’s license fees
• Lost income, loss of job
• Fines
• Potential jail time

It’s easy to see how a DUI can derail your entire life. Most drivers that are arrested do spend time in jail, have a mandatory license suspension, pay fines and skyrocketing insurance premiums.

Those arrested are required to undergo alcohol abuse assessment, because nearly 6% of adults in the US that are over age 18 have a condition called Alcohol Use Disorder, according to the National Institute on Alcohol Abuse. Even if you’re not at fault, another driver can cause you serious financial damage.

Uninsured Drivers

If you are unlucky enough to be hit by an uninsured driver, you may wind up with financial liabilities that you did not anticipate. Fortunately, most people carry uninsured motorist coverage, but these claims are more complicated than most, so a good lawyer is mandatory.

In fact, in order to beat a Florida DUI, it’s almost always necessary to get help from an attorney. Lawyer fees are almost always worth the time and effort in these serious cases, especially if you have gotten a DUI before. Let’s take a closer look at the actual financial toll on personal finances, so you know what to expect.

Bail

You can assume that you’ll have to pay between $100 and $2,500 to get out of jail. And yes, anybody arrested for DUI will likely wind up in jail at least for a short period of time.

Fines

The amount of fines that you will pay can vary a lot. But even for a first-time offense, you can pay up to $1,800.

Impound Charges and Towing Fees

The cost depends on how long your car is in the impound lot, but most people are mortified when they see how high these charges are, and the fees accrue daily.

Towing charges can also be exorbitant. Unfortunately, you will not get your car back until you pay back every cent.

Charges for Screenings

Often you will be asked to take urine tests as a condition of your probation. There are charges for every one of these tests in addition to the fee for the visit. It’s not unusual for them to top out over $100.

Other Charges

Defendants can be nickel-and-dimed by the system, and can be charged for things like time spent in jail, which carries a price-tag as high as $300 a night; sentencing fees, which can be as much as a couple of hundred dollars; and probation fees, which can be as little as $200 to well over $1,000.

You’ll also have to add in the cost of medical treatment and income lost while you’re in jail or fighting your case in court. Some people lose their income permanently because they get fired.

Fortunately, your arrest can be removed from your record. This is called expungement, which will help minimize the financial impact and damage to reputation that are so often the result of being arrested for a DUI.

 

When it comes to growing wealth, it’s easy to overlook the small things such as the small details of insider trading for a company we invested in. It is common for people to develop complex strategies to grow their wealth. However, the foundation of long-term wealth is built on basic principles. These are the types of principles that the wealthy themselves focus on, to ensure that they continue to grow their wealth. Let’s take a deeper look into what these principles are and how they can help you to grow your wealth.

1) Earn More Than You Spend

Nowadays, it’s easy to rack up a few charges on your credit card. In some cases, people attempt to invest in a business venture using their credit cards. But the reality of the fact is, if you are spending more than you make, you will not be able to become wealthy. Everyone is aware of the fact that in order for you to become wealthy, you have to earn more than you spend. But the reality is that tens of millions of people are in debt because of various expenses that add up. This can entail car payments, mortgage payments, and unnecessary shopping. But if you expect to grow wealth, you have to earn more than you spend.

2) Eliminate Nonessential Purchases and Focus on Reducing Debts

One of the ways you can scale back is to eliminate some of the commitments that you make and focus on underlying debt before you partake in a business venture. This entails canceling multiple credit cards, eliminating nonessential purchases such as Netflix, not going out to eat at an expensive restaurant, and stopping buying name-brand items. By focusing on minimizing your monthly expenses and reducing your overall debt, it will put you in a better position to grow your wealth, as opposed to juggling business venture-related expenses with underlying debt topped off with weekly nonessential spending.

3) Insure Everything That Can Cause Financial Ruin

One of the things that the wealthy share in common is that they are prepared for everything. As such, it’s common for the wealthy to insure everything from their homes to their dogs. The pandemic has made it clear; you really never know what life will throw at you. Regardless if you establish an emergency fund with liquid assets or stock up on food and supplies, you need to be prepared for the unexpected. In addition to this, your home and car should be insured. Practically, anything which could cause you financial ruin should be insured.

4) Invest In Yourself

Oftentimes, we hear successful people talking about the various skills they developed prior to becoming successful as well as books that they read to improve their knowledge in their field and in life. But how often do we actually take the time to learn a new skill or to read a book, much less a self-improvement book? Most of the wealthiest people in the world took the time and effort to invest in themselves first. This could entail anything from working on your mental health to developing new skills to learning new things. By taking the time to develop yourself as a person, you’ll be in a greater position to grow your wealth.

5) Invest With the Future in Mind

We tend to have a habit of living in the here and now. Many younger adults never think about saving for retirement, for instance, because it’s 20 years down the line. As humans, we have a habit of focusing on the here and now. Some people would never consider things like a high-yield savings account or investing in stock. Why? Because we want to be wealthy instantly. In order for you to build wealth, you have to invest with the future in mind. Some of the ways you can invest for the future include:

• Mutual Funds – Professionally managed investment where a company gathers your money with other investors to which it uses to buy securities for the entire group.
• Worthy Bonds – Worthy bonds cost as little as $10 each. They provide a fixed return of 5%. Each bond lasts for 36 months and the interest is paid weekly.
• Real Estate – Real estate prices are at an all-time low. The entire industry is experiencing what’s known as a buyer’s market due to high supply and low demand because of the impact of the pandemic.

 

The idea of cryptocurrencies

Today, Bitcoin and other cryptocurrencies are changing the global financial system through blockchain technology. This technology is considered as one of the greatest innovations of the 21st century and we witness its tremendous impact on the world economy.

According to Mohammad Hosseini, a trader and analyst of financial markets, investing in this field can become the second job with the first income of many people. But what might be interesting to you is that the history of cryptocurrencies and the Chinese blockchain goes back to the 1990s.

In other words, the idea of ​​cryptocurrencies is not a new and innovative one. Before the advent of these currencies, many attempts were made to make such currencies. One of the major problems with these currencies was the possibility of double-spending, while a currency should only be able to be spent once and their counterfeiting must be prevented.

In fact, it was in 1991 that two people named Stuart Haber and W. Scott Stornetta, came up with the idea we now call the “Blockchain”. The first two attempts were to work on a chain of cryptographic blocks that no one could change their timeline.

A year later, they upgraded their system to use Merkle trees. In this way, they could store much larger volumes of data and documents in a single block.

Wei Dai, a well-known programmer and cryptographer, published an article in 1998 (10 years before the advent of Bitcoin) explaining B-Money and proposed the idea of ​​ cryptocurrency. In this article, he talked about a virtual currency that could be transferred to others, anonymously.

Simultaneously, computer scientist Nick Szabo came up with an idea called Bit Gold, which sought to use decentralized cryptocurrency. The idea suffered from drawbacks and inefficiencies, including the need for metal to mint coins and the reduction of multilateral monopolies needed to create transactions in the traditional financial system. However, Bit Gold has many similarities to Bitcoin and is considered father of this popular cryptocurrency. In the Bit Gold system, for example, users could be rewarded for solving cryptographic problems through processing power of their computers. As you know, this is exactly like the concept of cryptocurrency mining that we see about Bitcoin and other cryptocurrencies.

But Sabo’s plan also posed a major re-spending problem, and he could not solve the problem without using a third party to monitor the transactions.

None of these ideas eventually came to fruition but served as the inspiration for the idea of bitcoin.

October 31, 2008, the rise of bitcoin

An article entitled Bitcoin: A Peer-to-Peer Electronic Cash System, describing the performance of blockchain network was published by Satoshi Nakamoto. Nakamoto officially started working on the Bitcoin project two months before the article was published, and it was at this time that the Bitcoin.org domain was registered.

But who really was Satoshi Nakamoto, and how did he put into action the idea that so many people have been trying to develop for so long? It is not possible to answer this question even after all these years, because the identity of this person has remained unknown to everyone. Whether Nakamoto is a person or the name of a company or group has remained unknown and there are many rumors in this regard.

January 3, 2009

The first bitcoin blockchain was extracted by Satoshi Nakamoto, and the blockchain technology was used effectively. . This block, which contains 50 bitcoins, is now known as the “Genesis Block”. In fact, Nakamoto embedded the first headline of The Times in this block to forever reflect the economic preconditions that led to the birth of bitcoin technology.

In the first few months of Bitcoin’s birth, this cryptocurrency had almost no value. Six months after the start of the first bitcoin transaction, in early 2010, the price of bitcoin was less than 14 US cents. But at the time, few envisioned such future for bitcoin.

May 22, 2010

The first purchase of goods was registered by bitcoin. During this purchase, Laszlo Hanyecz bought 2 pizzas with 10,000 bitcoins. This day is called “Bitcoin Pizza Day”.

 

March 2010

The first cryptocurrency exchange called bitcoinmarket.com was created. This exchange no longer exists. The Mt.Gox exchange was also launched in July of the same year.

 

2011 – 2013

Bitcoin hit a record high of $ 1 in February. Although the price of bitcoin fell below $ 1 again, after the publication of an article on the famous Forbes site about cryptocurrencies, the value of bitcoin rose again and reached about $ 9.

Sometime later, another site published an article mentioning the use of bitcoin to buy and sell drugs on Internet sites. As a result, the price of Bitcoin tripled to $ 27 in less than a week. For more information visit the link: hoseinifinance.com

 

 

During this 2-year period, some competitors emerged for Bitcoin and by May 2013, 10 cryptocurrencies were created, including Litecoin. During this time, the price of bitcoin was slowly and steadily rising. The Bitcoin Foundation was established at the same time to accelerate the development and expansion of the network. Ripple, which is currently one of the top cryptocurrencies on the market, was also introduced to everyone during this period.

 

February 2014 and the Mt.Gox disaster

The Mt.Gox exchange was one of the largest cryptocurrency exchanges at the time, accounting for up to 70% of bitcoin transactions. But in a catastrophe, the exchange was hacked and about 8.5 million bitcoins were stolen. The value of this bitcoin number at that time was about $ 460 million.

The exchange had been hacked before, but the amount of stolen bitcoins was not enough to cause problems. However, the 2014 hack hit the company hard and it is still considered the biggest bitcoin theft in history.

2014-2016

The price of bitcoin fell by half and did not return to its original price until the end of 2016. Similar thefts from the exchanges happened again, but none of them was as big as the theft from Mt.Gox.

Ethereum and introduction of ERC-20 tokens

 

30 July 2015

The Ethereum network was launched to introduce smart contracts to the world of cryptocurrencies. Ethereum is now the world’s second largest cryptocurrency in terms of total market value. These contracts allowed Ethereum to have its own ecosystem on the blockchain. In addition, Ethereum had its own local currency, known as Ether.

With the advent of the Ethereum network, cryptocurrencies other than Bitcoin, also known as Altcoin, became more popular. In addition to bitcoin, investors and traders also paid special attention to earn profits from these currencies. As Mr. Mohammad Hosseini believes, coins price increase and decrease with a little delay compared to bitcoin, and this can be used to gain maximum profit.

 

August 2015

Cryptocurrencies that do not have a dedicated blockchain and run on the other cryptocurrencies blockchain are called tokens. The first ICO was launched on the ethereum platform and the Augur token was released. Ethereum -based crypto assets are commonly known as ERC-20 tokens.

 

Late 2015

The release of ERC-20 tokens intensified. There are now over 2000 ERC-20 tokens operating on Ethereum blockchain, indicating that a vast ecosystem of cryptocurrencies is running on a single blockchain.

Since then and after these events, the world of cryptocurrencies has always been dynamic and has experienced many events.

New cryptocurrencies were introduced, including EOS in July 2017, TRON in September 2017, and Cardano (ADA) in October 2017. The price of cryptocurrencies peaked in early July 2018.

The popularity of cryptocurrencies is growing, and the number of bitcoin ATMs (BTMs) is growing worldwide. . In fact, It can be understood why these currencies have become so popular. The reason for this was that more and more people were attracted to this market, and price increase of these currencies entered more investors to the field.

Many stores around the world have accepted bitcoin as a method of payment, including KFC, Newegg.com and Microsoft. The number of these stores is increasing rapidly.

In recent years, large companies have entered the field of cryptocurrencies and have invested in this field. These giant companies include Microstrategy, Grayscale, and Squer, which have large amounts of bitcoin in their portfolio.

The issuance of Central Bank Digital Currency (CBDC) is also one of the important topics of cryptocurrencies these days, which indicates the massive use and many capabilities of cryptocurrencies.

 

 

When it comes to building homes or building properties that you are going to sell or profit from, the type of loan you take out does make a big difference. Getting the right loan that can make a big difference with it comes to the overall end product and how much money you can make. Private construction lenders are a great thing and can make a huge difference in the overall product.

Private construction loans are loans that are taken out from private lenders to build a property is a great place to start if you are going to be selling the home or the property after it is completed. When the sale takes place you can then pay off the loan or it can be turned into a hard money loan for the buyer to handle. When it comes to taking out a construction loan from a private lender you are going to be able to get a larger loan with less of a down payment which does give you more room for profit.

This is the type of loan that most builders take out in order to make sure that they are able to make as much money as possible and that they are going to be able to profit from the project that they are working on. This helps to make sure that builders are not going to have to take too much out of pocket to pay and so that they are not going to have to spend a ton of money and make a very small profit after the fact. Not all people will qualify for this type of loan so taking the time to do your research can help you find the right loan options for your needs.

 

I found myself in a real bind over the weekend when my laptop computer died on me. What made it worse was that I had an assignment due in the coming week and all my notes were on my computer and I couldn’t get to them.  Most people would say, “Well, just go to any of the big box stores and buy a new one.” The problem is that I did not have the cash to buy a new computer, didn’t qualify for credit at any of the computer stores, and couldn’t get a credit card either.  I could go to the library and use a computer there, but they only give you an hour and I would need longer than that to finish my paper.

I’ll bet some of you can identify with my situation. I’m a college student and working on my thesis. My computer was several years old and I knew it was going to need to be replaced soon. I just hoped it wouldn’t be this soon. But, oh well. This is what it means to be an adult in the real world.

I go to school full time and work part-time at a restaurant doing food prep and washing dishes 5 nights a week. I used to also buss tables, but my hours got cut since the pandemic because the restaurant is only doing takeout or delivery now. So, I don’t have access to a lot of cash, and I’ve only been at my job at the restaurant for a few months now. Most creditors want you to have at least a year at your job and a decent credit rating.  My credit rating is very low because nobody will approve me for a credit account and it’s hard to get credit without a good credit rating.

What I ended up doing is going in a different direction for financing and got a really great deal. My sister told me about something she saw online and it turned out to be the best thing that ever happened to me. A company called RTBShopper sells rent to own laptops, TVs, video game consoles, appliances, and more. The requirements are few and there is no credit check. It looked like I might actually have a chance to get a new laptop.

I fell in love with a MacBook Pro I found there and hurriedly filled out the application. It only asked a few questions about age, (you have to be at least 18 years old), social security number, and if you have an email address and phone number. I was approved instantly for $2,500, which was perfect because the laptop I wanted was the MacBook Pro with the Intel core i5 processor, 16Gb memory, and 512 GB SSD for $2,339.99.

After getting approved, I put down a deposit of $50 and was ready to go on to the next step. Their products were fulfilled by Best Buy, and luckily, there was one right down the street from my apartment, so I could go and pick it up tomorrow. I was in shock. I could hardly believe that I had been approved for MacBook Pro financing and now was the proud owner of a new computer.

For anyone out there who is in a situation like I was and doesn’t have the ability to get credit, try this place. There is no credit check, and they have name brand products that you know and trust. I have been turned down for credit in stores and left feeling very embarrassed when I didn’t qualify.  But with this program, practically anyone can qualify as long as you meet the requirements. You must be 18 years of age, have a verifiable income, a phone number, a social security number, a form of payment and a valid ID. That is all you need. The monthly payments are affordable and are deducted from your account on your pay day.

It can be very frustrating to be turned down for credit because you have bad credit/no credit. You need credit to get credit, and if nobody gives you a chance, how are you going to improve your situation? Stores like RTBShopper that offer rent to own laptops or appliances make it possible for more people to get the things they need to make their lives better.

How It Works

Here is what it says on their website:

1. Browse the site and add products to your cart.
2. Click ‘Continue Checkout’ to go to the lease application.
3. Pay the initial $50.00 upon approval and sign your lease.
4. Pickup your product(s) – often the same day – or have them shipped.
5. Make payments on time  when they are due.

What makes this option such a winner, is that it only cost me a little time and $50 to get a brand new, top of the line Apple MacBook. I would encourage anyone with bad credit or no credit at all, who has been turned down for credit elsewhere to try RTBShopper. Most likely you will qualify like I did, and will finally be able to buy that prize possession you’ve been wanting to get for so long. They have a good selection of products and everything is brand new in the box. Nothing is used or refurbished, every customer gets a brand-new item.

If you count yourself among the credit challenged, then you need to give this a try.  It won’t cost you anything but time and a $50 investment. Being able to get that MacBook saved me when it came to getting my assignment in on time because I had no other means to get it and doing all my work in the library wasn’t an option.

 

 

A сrіtісаl kеу tо ѕuссеѕѕfullу ѕеlесtіng your financial advisor is to know whаt ԛuеѕtіоnѕ tо аѕk. Thе раіnful truth is that mоѕt соnѕumеrѕ оf financial аnd іnvеѕtmеnt рlаnnіng ѕеrvісеѕ dоn’t аѕk ѕоmе оf the mоѕt basic questions whеn fіndіng, interviewing, and choosing the right fіnаnсіаl аdvіѕоr for thеіr ѕресіfіс nееdѕ аnd fіnаnсіаl gоаlѕ. Instead, thеу tеnd to bе wооеd bу flashy signs on imposing buildings, fаnсу dесоr, ultrа-ѕlісk TV аdѕ аnd іmрrеѕѕіvе tіtlеѕ. Choosing thе wrоng fіnаnсіаl аdvіѕоr, however, can lеаd to financially disastrous соnѕеԛuеnсеѕ for you аnd уоur financial ѕесurіtу – аnd thоѕе flаѕhу signs, ѕmооth marketing саmраіgnѕ, аnd impressive tіtlеѕ are thе lеаѕt of what уоu as a соnѕumеr ѕhоuld be соnсеrnеd wіth.

The рrоblеm ѕtеmѕ frоm thе Wаll Strееt mасhіnе аnd thеіr monstrous marketing budgеtѕ. Wall Strееt fіrmѕ label thеіr salespeople “Fіnаnсіаl Consultant” оr “Vice Prеѕіdеnt оf Investments” – remarkable jоb tіtlеѕ tо say the lеаѕt, аnd mоѕt сеrtаіnlу comforting in nаturе tо thе соnѕumеr. They piece together еmоtіоnаllу рrоvосаtіvе marketing саmраіgnѕ with саtсhу ѕlоgаnѕ аnd ѕtrіkіng logos. Thеу аdvеrtіѕе thеіr ѕресtасulаr іnvеѕtmеnt рrоduсtѕ аnd fіnаnсіаl planning services оn TV, оn the rаdіо, аnd іn thе most рорulаr trаdе mаgаzіnеѕ.

Chесkіng уоur fіnаnсіаl аdvіѕоrѕ bасkgrоund, сrеdеntіаlѕ, рhіlоѕорhу, соmреnѕаtіоn аnd experience іn thе fіnаnсіаl ѕеrvісеѕ іnduѕtrу can quickly weed оut the “less рrоfеѕѕіоnаl” fіnаnсіаl аdvіѕоrѕ – and еffесtіvеlу ѕіmрlіfу уоur decision mаkіng рrосеѕѕ in finding thе right fіnаnсіаl advisor.

Onе оf thе mоѕt important “ԛuаlіfіеrѕ” of a рrоfеѕѕіоnаl fіnаnсіаl аdvіѕоr іѕ thеіr lеvеl оf еxреrіеnсе іn ѕеrvіng сlіеnt’ѕ fіnаnсіаl nееdѕ аnd helping them ассоmрlіѕhіng their gоаlѕ. Notice I dіdn’t ѕау “lеngth of еxреrіеnсе іn thе buѕіnеѕѕ”. Length of fіnаnсіаl services industry еxреrіеnсе may mean lіttlе if аnуthіng, bесаuѕе a fіnаnсіаl аdvіѕоr mау hаvе 20 уеаrѕ оf experience whісh may іnсludе уеаrѕ of nothing remotely rеlаtеd to ѕеrvіng сlіеntѕ fіnаnсіаl needs.

There аrе рlеntу of financial industry jоbѕ which may gіvе thе іmрrеѕѕіоn оf rеаl-lіfе “іn the trenches” сlіеnt ѕеrvісеѕ experience, but іn reality these jobs аrеn’t muсh more thаn аdmіnіѕtrаtіvе, mаnаgеrіаl, оr ѕаlеѕ in nature. Tо сhооѕе the rіght fіnаnсіаl аdvіѕоr, fосuѕ оn аѕkіng thе rіght ԛuеѕtіоnѕ, аnd еxресt thorough answers. So, here are some of the questions you will want to ask:

Hоw lоng have уоu bееn wоrkіng dіrесtlу with сlіеntѕ аѕ their рrіmаrу fіnаnсіаl advisor?

Hоw long hаvе уоu bееn rесоmmеndіng investment аnd іnѕurаnсе products?

Hоw lоng hаvе уоu bееn асtіvеlу and соnѕіѕtеntlу creating financial plans fоr сlіеntѕ tо hеlр thеm асhіеvе thеіr financial gоаlѕ?

Whаt is уоur training bасkgrоund, аnd whеrе dіd you lеаrn hоw tо diagnose, mаnаgе, аnd ѕоlvе уоur clients fіnаnсіаl рrоblеmѕ?

How mаnу уеаrѕ dіd уоu ѕреnd training fоr уоur роѕіtіоn аѕ a financial аdvіѕоr?

What firms have you wоrkеd fоr іn thе capacity оf a financial advisor?

How mаnу wrіttеn fіnаnсіаl рlаnѕ hаvе you сrеаtеd fоr сlіеntѕ?

Those ѕеvеn ԛuеѕtіоnѕ wіll gаrnеr the majority оf іnfоrmаtіоn уоu’ll nееd tо mаkе аn іnfоrmеd dесіѕіоn on your fіnаnсіаl аdvіѕоr’ѕ еxреrіеnсе lеvеl.

Properties are always great investments, but you have to consider a few key elements before purchasing—the primary one being location. Over time, the value of your property is going to depend highly on whether it’s in a prime location. This is why a lot of property investors are eyeing Malta. For one, it’s a country with consistent economic growth, and every year an influx of migrants pour in, attracted by its warm climate and low cost of living, which means there’s a high demand for residential properties. If you want to know how you can get started on being a property owner in Malta, read on.

Where to buy?

Malta has three main islands—Malta, Comino, Gozo—and each offers a fair selection of properties for you to choose from. Your decision ultimately boils down to your own lifestyle and preferences. Cities around Malta are closer to a more urban lifestyle, with restaurants, nightclubs, and shopping districts easily accessible. Gozo is closer to a more peaceful village atmosphere. Websites like Frank Salt Real Estate will help point you in the right direction, as it shows various properties for sale in the different cities and towns in all three islands.

What to buy?

Once you’ve chosen a location, your next question may be what property type should you buy? There are various choices, from apartments to farmhouses. Thanks to the massive residential development Malta is undergoing, there is no shortage of options. You’re bound to find a property that falls within your budget.

How much?

Property prices vary wildly depending on location and type, but one thing is for sure, Maltese property prices are on a mad rise.

Currently, the estimated prices for Malta properties start from €150,000 for a studio apartment (or €300,000 for a 3-bedroom apartment) and about as high as €1.5 million for a 4-bedroom villa. These are nowhere near the prices in other major European cities, but it’s still relatively high when you consider that apartment and villa prices in Malta increased by 83% and 72%, respectively, in only a decade. This rise is projected to continue, so this is an opportunity for you to strike the iron when it’s hot and purchase early to ride the prices upswing.

How do I start?

If you’re not a Maltese citizen, you can’t expect to buy property without getting some paperwork settled beforehand. First, you need an AIP permit. You must also remember that foreigners are only allowed to purchase one property in Malta, and these are usually expected to be for your own use.

If you intend to buy property to rent out, there are some restrictions present which you should be aware of, one of them being that the property must be valued above €233,000. There are also a good number of developments and areas – referred to as Special Designated Areas – where no AIP permit is required, and one can also buy multiple properties. After purchasing property, you must then pay a 5% stamp duty.

Buying property is a large investment, and as with most major purchases, you have to research thoroughly to ensure you’ll get a good ROI. If needed, consult with property negotiators so you can get the best deals and avoid any poor decisions.

Image: https://pixabay.com/photos/malta-lane-valletta-1362852/