10 11 19

Cryptocurrency is the big boom in 2019, a market that offers huge profit making possibilities. But it’s also extremely risky so before you jump in it’s better to be educated. Here are a few tips if you want to purchase cryptocurrency online in 2019. To begin investing in Bitcoin and other cryptocurrencies you first need to sign up to an exchange which will offer you to buy cryptocurrency with money. An exchange is basically an online platform that enables everyone to purchase and sell Bitcoin as well as any other cryptocurrency that they have listed. There are many online platforms, we will review a few of them at introduce you to the hottest crypto local trading platform in 2019 , louiibtc.com.

Buying the dips and holding can be dangerous in a bear market, and it can put pressure on you to sell low if you overextend, but it is still often better than FOMO buying the top. Sometimes it can be wise to sell for a loss or to buy when the price is at a local high, but knowing when this is the case requires a rather high skill level. Thus, although rules sometimes are best broken, start by aiming to buy low and sell high. Two last points A. Knowing when to take a loss is hard, buying the dips and holding is easy. B. The dips WILL happen, you must be patient and ward off FOMO! C. If you aren’t willing to see 90%+ losses, then call a point where you will take a loss and stick to the game plan.

There’s a need for one to be more than cautious when looking to invest in any ICO. Knowing when to or not to invest in an ICO is not about science; rather, it’s about paying close attention to those details that most people seem to overlook while only focusing on the promised returns. Conduct a background check on the team behind the project and analyze their ability to deliver on their promise. In addition, you should also look at the viability of the idea behind the ICO, poke holes in the project’s white paper and seek answers where necessary. That will ensure that no stone is left unturned and, if by the end of it you still have doubts about the project, you’re better of passing than chance it investing in that ICO. Read more details on Cryptocurrency exchange Toronto.

They are one of the safest and most reliable means of payment. In a world where there are a lot of scammers and looters, we all need to trade in the safest way possible. The cryptocurrencies provide us with that security that makes them an important source of investment now and in the future.

Backed by trusted investors and used by millions of customers globally, Coinbase is one of the most popular and well-known brokers and trading platforms in the world. The Coinbase platform makes it easy to securely buy, use, store and trade digital currency. Users can purchase bitcoins, Ether and now Litecoin from Coinbase through a digital wallet available on Android & iPhone or through trading with other users on the company’s Global Digital Asset Exchange (GDAX) subsidiary. GDAX currently operates in the US, Europe, UK, Canada, Australia, and Singapore. GDAX does not currently charge any transfer fees for moving funds between your Coinbase account and GDAX account. For now, the selection of tradable currencies will, however, depend on the country you live in. Check out the Coinbase FAQ and GDAX FAQ

Our over-the-kiosk program enables third parties to sell bitcoins at their retail location without all of the logistics involved in keeping and maintaining stock. Tap into this developing market and stay ahead of the times. Our mobile application allows you to simply enter client transaction details such as the amount, adjust your margins and sell coins to clients without any headaches. Source: https://www.louiibtc.com/.

6 10 19

High risk travel merchant account in 2019. This is a popular subject as more countries open up to new services. High-risk merchant accounts are a collection of finance services that allow companies to accept card payments from clients. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face limited options in processors, plus higher fees and harsh contracts. Being considered as high-risk looks terrible. But in some scenarios, it can be your best option. We have been writing about diverse points of view of the high-risk merchant account industry for many months and have most likely touched on most, if not all, of the most decisive issues. Here are some more advices on high risk merchant services.

High risk credit card processor : Cayan has a reputation for helping businesses develop more meaningful customer connections through cutting-edge payment solutions. They’re also known for reasonable pricing, and not requiring an early termination fee (ETF).

A lot of financial processors do business only with with low-risk businesses, who they consider as a safer investment. That means businesses considered high-risk will have a very poorr selection of potential processors to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents. It’s virtually not possible for commerce merchants to work without receiving payments from credit or debit cards. Before you can accept “plastic,” you need a payment service provider who acts as a liaison between you, banks, and credit card networks. Read extra details at High risk merchant account card not present.

Founded in September 2018, Card Z3N is a Las Vegas-based merchant account provider that serves both standard-risk and high risk merchant sectors. The company offers a wide range of retail and e-commerce solutions for most business types, including adult, auto parts, collections, credit repair, diet programs, e-cigarettes, electronics, extended warranties, fantasy sports, financial services, firearms, online furniture sales, multi-level marketing, nutraceuticals, online gaming, precious metals, self storage, and travel.

We used all of the high risk credit card processors, to be able to compare and a solid choice is iPayTotal. They cover all business types, have a vast experience in the business, fast customer support and low fees.

Our goal is to have your account approved as soon as possible with the best rates. Typically within 5-8 days, your account is ready. Integrate your website with a selected payment gateway or use a Virtual Terminal to accept credit card payments. Tailor-made package includes an arrangement of a merchant account (MID) with one of our EU/UK or international acquiring banking partners, with an award-winning payment gateway service, reporting tools, integrated fraud-prevention, and free dedicated lifetime support. We bring transparency and standards to the high-risk payment processing industry, providing businesses with the most competitive deals in high-risk merchant accounts suited to their needs – not just for now, but long-term. Source: https://ipaytotal.com/ipaytotal-high-risk-merchant-account/.

19 09 19

It’s virtually not possible for eCommerce merchants to do their business without accepting credit or debit cards. Before you can take “plastic,” you have to use a payment service provider who acts as a liaison between you, banks, and credit card networks. A lot of financial processors do business only with with low-risk merchants, who they see as a safer investment. That means businesses considered high-risk will have a very poorr selection of potential payment services to choose from. Any processor you approach will take a careful, detailed look at your business to determine if you fall under their definition of “high risk,” based on the financial risk your company represents.

Do your Due Dilligence: If you Google »merchant account services«, you’ll most likely be overwhelmed by the results showing all the different providers for accepting card payments, either for ecommerce, MOTO, or High Risk merchants. It is important that you know who are you applying with. First, you need to find out if you’re applying for a Direct MID (merchant account directly with the acquiring bank) or Aggregate MID or Payment Facilitator MID (more merchants share a single MID). Try to get the answers to following questions: Are you working directly with the acquiring bank or a middle-man Payment Service Provider company (PSP)? Where is the provider and acquiring bank based? Are they EU/UK regulated Financial Institution and have their own PCI compliant gateway? Do they already process payments for other businesses in your niche? Can you find any complaints online?

Active under various names since 1997, High Risk Pay is specifically focused on serving high risk merchants. The company offers point-of-sale equipment, ACH processing, and chargeback prevention to all of its merchants. High Risk Pay can process payments for e-commerce, travel, e-cigarette, startup, bad credit, international, high volume, and adult merchants.

High risk merchant account for tech support in usa in 2019. This is a hot subject as more countries open up to new services. High-risk merchant accounts are a collection of finance services that offers firms to receive card payments from clients. Credit card processors assign merchants to one of two categories: high risk or low (normal) risk, based on a number of factors. High-risk merchants face reduced options in processors, plus higher fees and harsh contracts. Being named as high-risk sounds bad. But in some cases, it can be your best option. We have been talking about various points of view of the high-risk merchant account industry for a very long time and have almost sure touched on most, if not all, of the most decisive issues. Here are some more guides on high risk merchant account processing. Read extra details at High risk merchant account cbd.

PaymentCloud serves a range of business types–including high-risk merchants–with a reported 98% approval rate for new merchants. Pricing is based on business history, and the company has no application or account setup fee. We used all of the high risk credit card processors, to be able to compare and a very good choice is iPayTotal. They cover all business types, have a large experience in the business, fast customer support and low fees.

High-risk merchants have essentially the same needs as everyone else when it comes to selecting a merchant account – it’s just harder to find them if you’re in the high-risk category. High-risk retailers are going to want to have access to reliable, up-to-date credit card terminals, as well as possibly POS systems and mobile payments solutions. eCommerce merchants in the high-risk category will need a solid payment gateway, and possibly a virtual terminal to go with it. Integration with online shopping carts is another important feature.

We believe in fostering real long term relationships with our clients, and always go the extra mile to make sure our customers are happy. We offer 24/7 technical support to ensure that when a problem arises, it can be quickly and efficiently addressed by one of our professionals. We want you to do well and your business to grow. We believe it is of the utmost importance that the needs and expectations of clients are systematically defined and translated into prerequisites that are fully met, through the correct application of the Quality Management System in order to always ensure the highest degree of satisfaction.

IPAYTOTAL LTD
Company Address: 60 Windsor Avenue London, England SW19 2RR
Company Website: https://ipaytotal.com/.
Support Email: support@ipaytotal.com
UK Tel:+44 800 776 5988
US Tel:+1 845 215 4017
Company # 11357725

22 08 19

Virtual assistant projects, this is a very trendy topic in 2019. With the internet connecting anything more and more jobs can be executed from home. People are becoming very interested in working from home, to save transport time and earning extra income from home.

Spare5 is pretty different from the other virtual assistant positions on this list. This is more of a flexible gig than a traditional job. If that’s what you’re looking for, it may be ideal for you. Spare5 pays you to complete small tasks through their website and mobile app. These tasks include assessing audio files, annotating imagines, and providing keywords to develop algorithms. Several major companies use Spare5 for these virtual services. Examples include Microsoft, Expedia, Getty Images, IBM, and Pinterest. You are paid for every micro-task you complete, and you can work whenever and wherever you want. Spare5 worker reviews say that tasks usually only take a few seconds to complete. Since these tasks are short, they typically pay anywhere between $0.01 to $0.50. That doesn’t sound like much, but working for a few hours can lead to impressive earnings.

24/7 Virtual Assistants provides clients across the world with virtual assistant services. Essentially, it matches clients with virtual assistants. To work with 24/7 Virtual Assistant, you need to send your resume to 24/7 Virtual Assistant. Once the company receives your resume it will review it to see if it has an immediate client that matches your skillset. If it does, then 24/7 Virtual Assistant will contact you immediately and set you up with the client. If there aren’t any clients looking for VA like you, then 24/7 VA will keep your resume on file and will contact you when a suitable client comes along. Read extra details at Earn extra cash working as a freelancer.

Guru takes the same approach to creating a freelancer platform as Upwork, but with a few differences. While Upwork’s sliding commission fee drops from 20% to 10% to 5% depending on your earnings per client, Guru’s scales down from 8.95% to 4.95% depending on your membership level. And while Upwork gives all users 30 free bids a month, Guru only allows for 10. However, you can buy more bids if you need them. You can find the commission fee tiers and bid purchase prices here. Another thing to bear in mind is that while Guru Basic is free, the other membership plans range from $107.40 to $479.40 per year.

What’s great about being a virtual assistant is that the role is so varied. Virtual assistants work with business owners, entrepreneurs, website owners, companies, bloggers, and a wide range of other organizations and individuals to assist them with a variety of tasks. Generally, VA’s provide admin support and are responsible for taking care of any tasks that the client doesn’t have time for or requires assistance with.

Earn more with a career that provides the flexibility to work at your own pace, with the digital tools that have been selected by industry experts to help you work smart and earn more. Whether you are an artist, data entry operator, or a sales representative, our digital tools not only enable you to manage your tasks and projects but also give you Freedom and flexibility for a perfect work-life balance. At Financial Freedom, we believe the time is valuable, and freelancers and virtual assistants should make the most of their time. That’s why, based on our thorough industry research, we have picked the up-to-date digital tools for freelancers to help them excel in their careers, work smartly while working remotely. Source: https://earncashweekly.site/.

19 08 19

Crypto currency is hot in 2019, everyone wants to invest in crypto. There are many online platforms, we will review a few of them at introduce you to the hottest crypto trading platform in 2019 , bitradecrypto.com.

ShapeShift is the leading exchange that supports a variety of cryptocurrencies including Bitcoin, Ethereum, Monero, Zcash, Dash, Dogecoin and many others. Shapeshift is great for those who want to make instant straightforward trades without signing up to an account or relying on a platform to hold their funds. ShapeShift does not allow users to purchase crypto’s with debit cards, credit cards or any other payment system. The platform has a no fiat policy and only allows for the exchange between bitcoin and the other supported cryptocurrencies.

Changelly Exchange is a platform that allows its users to buy and/or exchange a vast selection of cryptocurrencies instantaneously. By means of its easy-to-follow verification process (without the need of document uploads) it literally takes a few minutes to purchase digital currencies on this exchange. Although it charges high fees for buying cryptos using fiat currency, the crypto-to-crypto rates are very reasonable. Changelly Exchange is great whether you’re a novice or seasoned trader. So whether you want to get hands-on experience with cryptocurrency trading, or are a professional trader you can instantly exchange any cryptocurrency without divulging your identity since the transactions are kept anonymous. Additionally, it allows its users to expand easily their coin portfolio. While it is not regulated with any legislative board, it has managed to gain a good reputation and the trust of its customers by partnering up with other reputed cryptocurrency exchanges. The main objective of the Changelly Cryptocurrency Exchange is to offer a transparent, simple, quick and accessible interface to buy and/or exchange cryptocurrencies.

Our pick for 2019 is bitradecrypto.com , a new solid crypto trading and investing online platform. Read more details at crypto trading platform with daily withdrawal.

Overview :
1. More than 20 countries worldwide started joining the network
2. You can make daily profit upto 1.5%
3. 200%-300% profit on every activation.
4. Make referral income upto 3 level.
5. Daily withdrawal of your profit
6. Coins accepted BTC/BCH/ETH/Dash and Perfect Money/Payeer

Headquartered in London in 2019, bitradecrypto.com LTD is already becoming the Panam’s fastest growing trading company. Our name is synonymous with effective and profitable trading solutions where our investors need little to no trading experience at all. With bitradecrypto.com LTD, investors choose one of our four simple investment plans, make a deposit and sit back while our experts go to work. They can withdraw their profit any time and schedule withdrawals quickly and easily through our website. If you have been looking for an easy to use investment platform, choose bitradecrypto.com LTD now and let our professionals help you choose an investment plan that meets your needs today!

Welcome to the website of bitradecrypto.com LTD! If you find yourself here, you are definitely in search of reliable and profitable investment. Yes, you are just at the right place! Our company offers trust assets management of the highest quality on the basis of foreign exchange and profitable trade through Funds exchanges. There is no other worldwide financial market that can guarantee a Hourly ability to generate constant profit with the large price swings of BitCoin and other crypto currencies. Proposed modalities for strengthening cooperation will be accepted by anyone who uses cryptocurrency and knows about its fantastic prospects.

The bitradecrypto.com LTD is modern investment program who owned by bitradecrypto.com LTD based in the United Kingdom. Our Corporate Headquarters is located here: 21 Kensington High Street, Kensington, London, United Kingdom, W8 5NP . Company registration number is NO.111222333.You can I check the company Companies House The bitradecrypto.com LTD offers high-return investing in the Forex, digital currency known as Bitcoin, stock market and Fintech start-ups. Our company is constantly evolving, it improves its marketing components and creates new investment proposals. All this makes the bitradecrypto.com LTD an industry leader and to be able to adapt to the constantly changing market conditions. Join us on https://www.bitradecrypto.com/ or check more details on our Bitradecrypto Facebook Page.

2 08 19

TechBank is licenced & regulated European financial institution, a crypto exchange is licenced by Financial Intelligence UNIT (FVR000419), also operates a highly secure Crypto wallet service (Licence No: FRK000341), issues multicurrency CRYPTOBACK cards (Patent App No: GB1719487.9) and operates from its corporate offices in London & Estonia. Open a beautifully simple app-based global crypto account in minutes not days. We’re all about giving back! When you shop at your favorite brands through TechBank, we receive a commission and share it with you as Cryptoback in Bitcoin & CCRB.

Cryptocurrency is hot in 2019, a market that offers huge profit making possibilities. But it’s also extremely risky so before you jump in it’s better to be informed. Here are a few tips if you want to purchase cryptocurrency online in 2019. To begin investing in Bitcoin and other cryptocurrencies you first need to sign up to an exchange which will allow you to buy cryptocurrency with money. An exchange is basically an website that offers everyone to purchase and sell Bitcoin as well as any other cryptocurrency that they have listed.

CCRB – Leading in Usability : First-ever ERC20 Crypto launched in the UK. First Consumer-oriented Cryptocurrency launched in the U.K. Mine and collect CCRB instantly across the world while shopping millions of products at more than 90,000 outlets online and in-store.

How do they work? You really do not need to deal with a third party when it comes to cryptocurrencies. Cryptocurrency gives people a sense of security and confidence. Low cost. It is not necessary to disburse money to exchange cryptocurrencies. All you need to be able to carry out transactions is your cell phone and a basic knowledge of cryptocurrencies.

Learn to value coins in BTC. Ether aside, Bitcoin is the current primary currency of the crypto economy (i.e., its what you have to use to buy most altcoins). Those new to crypto tend to value things in dollars. Meanwhile, even seasoned cash traders value coins in dollars. However, enough crypto traders will value coins in BTC for it to matter. If you aren’t aware of the BTC charts, you won’t be able to properly understand the trends everyone else is analyzing and reacting to. You don’t have to make getting more BTC your goal, but you must have the BTC prices of altcoins on your radar. There are times when all coins move up, but altcoins steadily loose value against Bitcoin. Those who know will be the first to dump altcoins for Bitcoin; this will set off a vicious cycle that can result in the stagnation of altcoin prices.

Open an business account and launch your own crypto rewards program in minutes. We can provide your Company a multi-currency crypto account, so you can continue to grow your business on an international level. Get direct access to exchanges, Payment Processors, transfer and receive funds worldwide and so much more. Cryptocurrency arbitrage allows you to take advantage of those price differences, buying a crypto on one exchange where the price is low and then immediately selling it on another exchange where the price is high. See extra details on Deposit and withdraw crypto currencies to 200+ local currencies.

The prices of most altcoins depend on the current market price of Bitcoin. It is vital to understand that Bitcoin is relative to fiat currencies and is quite volatile. The simpler version of this is that when the value of Bitcoin goes up, the value of altcoins goes down and vice versa. The market is normally foggy when the Bitcoin price is volatile and, as you would imagine, this prevents most traders from gaining a clear understanding of what goes on in the market. At this point, it is advisable to either have close targets for our trades or simply not trade at all.

I hate to tell you this, but get over yourself. You’re not always right. And it’s okay. Investing is a game of speculation which involves some amount of luck – even for professional investors. To be a winner in this space, you only need to be right a certain percent of the time. For example, if you 2x your investment 55% of the time, then you can afford to lose 45% of the time as you will make money in the long run.

Once you’ve made your purchase, your new Bitcoin will be stored in your Coinbase wallet. You should then seek out the option to transfer these funds to the address of the Bitcoin wallet you have created that’s off the exchange. You will have to pay a small fee to do so, but that is part and parcel of Bitcoin transfers. Fortunately, the fees for such trades are far from their peak.

TechBank is a European headquartered licensed financial institution that avails you with services including a pre-paid crypto linked virtual card, cryptocurrency exchange and peer-to-peer market place. TechBank OÜ (14440607) is licensed by, Financial Intelligence UNIT. TechBank Crypto exchange (License No: FVR000419) & crypto wallet service (License No: FRK000341) Estonia. We’re not a bank we are fully licensed to handle customer’s crypto assets and handle crypto to fiat and fiat to crypto trades. We operate from our corporate offices in Estonia. Source: https://techbank.finance/.

For a full presentation please check https://docs.google.com/presentation/d/1B83NYRoJV1bf53iKMv-QA8DpfAnLj0lFrr2vTxdaMh0/edit?usp=sharing.

28 07 19

Working and making money from home can look like a dream, but it can also be a reality. You can be skeptical of the real ways of earning money by working at home, but they do exist. Here are some of them :

You might have heard listening to just two or three songs in the shower can help you save water. And it’s true; hearing a few of your favorite songs start and end, one after another, can remind you how long you’ve been in the bathroom and shorten your wash time. Why bring this up? Because the same general principle can help you stay on task when working from home. But instead of three songs off your music playlist, run your laundry instead. Doing your laundry is a built-in timer for your home. So, use the time to start and finish something from your to-do list before changing the load. Committing to one assignment during the wash cycle and another during the dry cycle can train you to work smarter on tasks that you might technically have all day to tinker with.

Cyber Crafter: If you’re a crafter, the internet is your showcase — and not only at auction sites like eBay. DeWitt Young of ObviousFront.etsy.com has had success turning her crafts into cash online. She has a booth at Etsy.com’s Craft Mall, an amazing place where thousands of artisans and crafters offer their goods for sale. DeWitt turns salvaged parts from old TVs and VCRs into artsy necklaces, earrings, and figures. Colleen Jordan of wearableplanter uses 3D printing to create her necklaces called wearable planters. If you need a little help kicking off your projects, Shapeways is a 3D printing company with simple apps to help you customize your own designs, anything from a wedding band in rose gold, a vase in ceramic, or your own bobble head printed in full color. All for the purpose of generating sales.

Don’t let friends stop by. Dana Marlowe, principal partner of the Silver Spring, Maryland-based IT accessibility consulting firm Accessibility Partners, uses lunch as a time to meet with friends and if they show up at her house she politely tells them she’s working. “Boundaries are only as effective as they are enforced,” she says. Catherine Simms, co-founder of Stamford, Connecticut-based pet accessories company Whiner & Diner, also avoids drop-in visitors. “I just tell them that it is not a good time [and] over the weekend would be better,” she says. She also instructs them to call first to see if she’s home. Then when they do she doesn’t pick up, at least during work hours. Read extra details on Looking For Work-from-home Opportunities.

Upwork is one of the largest all-in-one freelance platforms. It’s free to join and you can bid on up to 30 projects each month plus receive invitations to interview for other job proposals. You can connect with clients for nearly any online task including freelance writing, graphic design, data entry, customer service, computer coding, translation, and legal services. There is a 10-day holding period from the time the client approves your work (milestone) to when you can collect payment. Once your available balance is at least $100, you can request payment via direct deposit or PayPal.

26 07 19

Do you need money for many reasons ? Searching for working capital tips? For a business owner with a realistic vision and understanding of where their business stands, securing a commercial real estate loan is possible. Business owners should also plan to do their due diligence and research by looking at different lenders to see how they fit their unique needs. After a thorough review of the lenders and what they can offer — from rates to loan to value to fees — you will be on your way to setting the stage for your business’s next act.

Unlike traditional loans, the eligibility criteria for personal loans are simple and straightforward. Lenders would want to check your credit history and credit score to determine whether or not you are capable of making the monthly payments on time every time. Since there is no collateral or security involved, your credit score is the only means of assurance a lender will have. Therefore, you would need a high credit score to get a personal loan. Certain banks also look at your monthly income statements when deciding whether or not they should approve your personal loan. Each bank will have its own minimum monthly income requirement although the exact amount may differ from one bank to another. Read extra info at Equipment loans.

Flexibility: Personal loans are flexible in nature. You are under no obligation to use the loan amount in a specific way. You can use it for supporting your business expenses, go on a vacation, pay for a wedding, make a major purchase, or renovate your home. Such flexibility from personal loans makes them a preferred choice for a number of situations, especially where unexpected expenses arise. Though they are a lucrative tool for personal financial needs, personal loans can potentially land you in serious debt and associated troubles. We have compiled a list of the important factors that should be considered before applying for any type of personal loan.

While a limited company is a separate legal entity from its directors, it is normal for business lenders to check the credit scores of key stakeholders. It’s a useful metric, amongst others, for measuring the overall reliability of a company, and particularly its leaders. Where it can be seen that a director has a poor credit history, this is likely to raise red flags and lower the total amount of loan which is offered. It may also have an adverse affect on interest rates or other variables as the lenders algorithm will fluctuate according to perceived risk. NB, this doesn’t mean you cannot apply for finance for your business if your personal credit history is flawed.

How to manage your new mortgage: Once you move into your new home you will need to start making monthly repayments on your mortgage. If you miss any payments, the amount you owe could increase and your credit record could be damaged. If you fall too far behind your lender could repossess your house. If you set up a direct debit to pay your mortgage, you will never miss a payment as long as there is enough money in your bank account. Here is how to manage your mortgage so you can keep up with your repayments and make sure you are always on the best deal.

Greenlight Funding is a full service loan servicing firm offering a variety of consumer and commercial loan products including multi-family, business acquisition, rental property, working capital, construction, fix and flip loans, and residential mortgages. We are dedicated to helping you throughout the process. Expertise: A dedicated team of Mortgage Advisors, Trust: We let our past customers tell you about it, Technology: Less paperwork means less hassle, no confusion.

Business Name: Greenlight Funding, Manhattan
Web: https://greenlightbiz.com/
Address: 99 Wall Street, Suite 1605, NY, NY 1005
Tel: 917-722-1761
eMail: info@greenlightbiz.com

25 07 19

Do you need money for personal reasons ? Searching for working capital advices? Amount maximum: The loan should cover the amount needed to either buy or renovate the property. Make sure that the bank is willing to lend up to the amount needed. Repayment terms: Does a lender repay the loan with a monthly payment that pays off the interest and principal, or does the loan require a balloon payment at the end of the term? A balloon payment will require enough cash flow to make one large payment at the end of the term.

Fees associated with personal loans. In addition to interest rates, there are other fees associated with a typical personal loan such as; An application fee to cover the expenses incurred while processing the loan application such as credit report fees, man hours spent validating your application and etc. An origination fee or loan fee that’s charged upon receiving the approved funds. This is often a percentage of the total loan amount, usually between 1%-5%. A late payment fee that’s charged when you don’t make the monthly payments on time. Most lenders charge a flat-fee but some may set it to be a certain percentage of the payable monthly amount. See extra info on VA loan.

Eligibility criteria for personal loans are not too strict but the banks are quite concerned about the repayment capacity of the borrower. They pay close attention to your credit history and credit or CIBIL score. Personal loans also have a minimum income limit associated with them. For most banks, the minimum monthly income limit for personal loans is 12,000 in semi-urban areas whereas it is 15,000 in bigger cities. These ‘restrictions’ are in place since granting a loan without any type of security increases the risk for banks and the eligibility criteria are one way banks have to ensure that the repayment will be made in the given time. In fact, individuals with good credit history and a decent CIBIL score usually get personal loans on declined rates of interest.

While a limited company is a separate legal entity from its directors, it is normal for business lenders to check the credit scores of key stakeholders. It’s a useful metric, amongst others, for measuring the overall reliability of a company, and particularly its leaders. Where it can be seen that a director has a poor credit history, this is likely to raise red flags and lower the total amount of loan which is offered. It may also have an adverse affect on interest rates or other variables as the lenders algorithm will fluctuate according to perceived risk. NB, this doesn’t mean you cannot apply for finance for your business if your personal credit history is flawed.

How to manage your new mortgage: Once you move into your new home you will need to start making monthly repayments on your mortgage. If you miss any payments, the amount you owe could increase and your credit record could be damaged. If you fall too far behind your lender could repossess your house. If you set up a direct debit to pay your mortgage, you will never miss a payment as long as there is enough money in your bank account. Here is how to manage your mortgage so you can keep up with your repayments and make sure you are always on the best deal.

Greenlight Funding is a full service loan servicing firm offering a variety of consumer and commercial loan products including multi-family, business acquisition, rental property, working capital, construction, fix and flip loans, and residential mortgages. We are dedicated to helping you throughout the process. Are you looking to refinance? Use the form within the contact to inquire our rates. Then fill out our short application to see if you qualify and obtain a pre-approval letter.

Business Name: Greenlight Funding, Manhattan
Web: https://greenlightbiz.com/
Address: 99 Wall Street, Suite 1605, NY, NY 1005
Tel: 917-722-1761
eMail: info@greenlightbiz.com

13 07 19

Top advices for how to multiply your money. If you want to be hands-on and enjoy making investment decisions, you might want to consider buying individual shares – but make sure you understand the risks. If you don’t have the time or inclination to be hands-on – or if you only have a small amount of money to invest – then a popular choice is investment funds, such as unit trusts and Open Ended Investment Companies (OEICs). With these, your money is pooled with that of lots of other investors and used to buy a wide spread of investments. If you buy investments, like individual shares, direct, you will need to use a stockbroking service and pay dealing charges. If you decide on investment funds, there are charges, for example to pay the fund manager. And, if you get financial advice, you will pay the adviser for this. Whether you’re looking at stockbrokers, investment funds or advisers, the charges vary from one firm to another.

Peter Lynch famously spoke about “tenbaggers”-investments that increased tenfold in value. He attributed his success to a small number of these stocks in his portfolio. But this required the discipline of hanging onto stocks even after they’ve increased by many multiples, if he thought there was still significant upside potential. The takeaway: avoid clinging to arbitrary rules, and consider a stock on its own merits. There is no guarantee that a stock will rebound after a protracted decline, and it’s important to be realistic about the prospect of poorly-performing investments. And even though acknowledging losing stocks can psychologically signal failure, there is no shame recognizing mistakes and selling off investments to stem further loss.

Funding your retirement is one of the best investments that you can make to ensure the financial future of you and your family. It’s important to plan for your retirement whether you have just finished high school at 18 or are about to enter your 60’s. It is never too early to start putting money away for your retirement. If you are planning on living a comfortable retirement based on Social Security; forget about it! According to USA Today, the average Social Security benefit paid out to retirees is a paltry $1,324 per month, which amounts to just $16,424 per year. Read more details at Why you need a retirement plan.

Saving money and investing it are closely connected. In order to invest money, you first have to save some up. That will take a lot less time than you think, and you can do it in very small steps. If you’ve never been a saver, you can start by putting away just $10 per week. That may not seem like a lot, but over the course of a year it comes to over $500. American Express National Bank currently offers a strong 2.10% Annual Percentage Yield on their online savings account. There is no minimum deposit required and no monthly maintenance fees associated with a Personal Savings Account from American Express so the yield is earned on all balances. The brand also offers high-yield CD’s if you’re in the market for a place to park your cash and are in need of high interest rates.

Many good investors stress the importance of diversification. But Warren Buffett tends to disagree with the idea. Buffett says that diversification is for people who don’t know much about investing. An experienced investor should choose stocks on a long-term basis and should have faith on his/her investments. Some investors diversify their portfolios because they are afraid that any one stock might sink their entire portfolio; but, while doing so, it becomes much harder to keep track of the current events impacting each company. So, by diversifying, they might reduce the volatility of their portfolio, but at the same time they reduce their focus on individual investments. Buffett waits for opportunities to buy good stocks, and when those opportunities come his way, he takes full advantage. According to Buffett, “When it’s raining gold, put out the bucket not the thimble.”

About MultiplyMyMoney : I have more than 12 years of experience as an independent and personal financial and investment consultant. I used to run a financial blog called BuylikeBuffett which provided insight on investing, saving, money management, and all things finance. I am also the author of Your Financial Playbook: A Guide To Navigating The World Of Personal Finance a financial guide written to inform the beginning investor about the basics of the market. I decided to start a new site because I receive a great number of questions about financial topics on a daily basis. I figure that this would be a great way to answer those questions and increase financial literacy. I also figured it would be a good platform to write articles on everything from teaching how to get rich, explaining the basics of cryptocurrency, to detailing ways of rebuilding your credit score. I was the founder and president of New Horizons Financial Management, LLC, and was a registered investment advisor. New Horizons was an independent investment advisory asset management and personal financial consulting firm offering investment advisory services to high net worth individuals. See extra info on https://multiplymymoney.com/.