(157)Lowest Interest Rate Mortgage Refinance.

            Loans - 3 Ways To Get A Low Rate Refinance
The lower your interest rate on your refinance mortgage, the more money you will save. But not all refinance loans are created equal. To get the lowest interest rates, follow these three tips when applying for you refinancing.

1. Refinance Your Entire Mortgage
Refinancing your entire mortgage will help you to qualify for the lowest rates. Having split mortgages or a home equity line of credit elevates your risk level and rates.
However, if you have a really good rate on one mortgage, then you may not want to combine those mortgages. Take the time to request quotes for both loan situations. Within minutes, you can get an answer from lenders and know which is your best option.

2. Don't Cash Out Your Equity
Cashing out part or all of your home's equity will also raise your refinance rates. So keep that equity in place while you apply for refinancing. It acts much like a down payment did for your original home loan. The larger your equity, the better your rates.

If you want to tap into your equity, consider applying for a separate loan after you refinance, like a home equity line of credit. That way you won't be paying a higher rate on your entire principal.

3. Lower Your Rate With Points
As with your first mortgage, you can lower your rates by buying points. This is a bit risky in that you have to keep your loan for seven years usually to recoup the cost. To make sure this is your best choice, compare lending offers. Calculate the cost of points and your potential savings.

In addition to these tips, comparison shopping will also help you get a lower interest rate. Each lender looks at refinancing applications differently, so with careful searching, you can get a better deal. Start by requesting a loan quote, then compare numbers, both interest and closing costs.
Just remember that the lowest interest rate will not always be the cheapest loan. Factor in the cost of fees to be sure you will come out on top, especially if you plan to sell or refinance in a couple of years.

About the author:
Carrie Reeder offers advice about Refina nce Mortgage Loans Online. View our Recommended Lowest Rate Mtg Refinance Lenders Online.
Written by: Carrie Reeder

(158)Making Money in Equity Finance.

By William Cate
Published October 2009
[] [globalvillageinvestmentclubwelcome/]

Do you offer financial services to businesses outside the United States?You could be earning an additional US$300,000/year taking your clients public in the United States.

Here are ten possible reasons why non-U. S. Companies should go public in America.
1. Their country lacks a stock exchange.
2. The country's stock exchange won't list "growth" companies. In several countries the national listing requirements are modeled after those of the New York Stock Exchange. This is true of the Singapore and Kuala Lumpur Stock Exchanges
3. The local stock exchanges lack credibility. This is true of the Vancouver and Alberta Stock Exchanges in Canada.
4. The company understands the benefits of being valued in U. S. Dollars, instead of the national currency. Currently, the USD is the World's business currency.
5. The company that wants to be listed on stock exchanges in Europe and Asia and realizes that the American filing is the key to cost savings elsewhere.
6. The company understands that they can no longer trade their shares in the States under a 12g Exemption.
7. The company realizes that their local investors would prefer to hold U.S. Dollar demominated stock.
8. The company suspects that there is a segment of the U. S. Market that would buy their stock if it were easily available in the United States.
9. The company realizes that having a U. S. Dollar demominated stock allows
management to make bargain acquisitions for their stock when the national currency's exchange rate falls against the USD.
10. Management is taking the company global and wants to save on taxes.

I can offer twenty more reasons why non-U. S. Companies should trade in the United States. Canadian, Israeli, and Japanese businesses are the
primary companies seeking to trade their shares in the States. The U. S. listing advantages that they take for granted are available to any firm anywhere in the World.

I offer a basic U. S. Spinoff package. It takes a foreign company public in the United States. It qualifies the company's shares to trade on the
Over-the-Counter Bulletin Board (OTCBB). This spinoff package includes legal and audit costs. The turnkey package costs: US$125,000 and one hundred thousand shares of the company's stock.

I'd like to develop a network of non-U. S. Business Associates capable of marketing this basic spinoff package to their clients. Potential associates should be venture capital firms, M&A firms, Merchant Bankers and Business Consultants. My marketing approach is risk free. If you want the details of my proposal, please email me with "risk free" in the subject field.

To contact the author: Visit the Beowulf Investments website: [] Or, visit the Global Village Investment Club Website:


About the Author
He has been the Managing Director of Beowulf Investments [] since 1981 and is the Executive Director of the Global Village Investment Club [


Written by: William Cate

(159)Managing Finances As A Couple - What Is Best.

You may find it difficult to manage finances together when you've been acustom to managing your finances alone. But when you become part of a couple, many things change, and your finances are no exception! Some couples take the traditional path of blending all their money together, however today more and more couples are deciding to keep their finances separate.

What are the benefits of each way? The benefits of combining funds into one checking account includes easier record keeping, simplified money management (you hope), and less paperwork when applying for credit. In addition, the blending of finances can create a "unified front" in that aspect of a relationship that simply can't be argued with. Obviously, the drawbacks are that both people are actively using the account and that will make it harder to track all the transactions and keep up with your balance when you don't know what the other is doing.

If you choose to maintain separate accounts, this will allow each person more freedom, because they won't have to run purchases by the other person. In addition, doing so may create fewer complications in the relationship, allow each person to build their own good credit, and quite simply allow them to maintain a sense of independence. The most obvious downfall to a his and her finance arrangement is that it can be disproportionately unfair. If one person makes $80,000 per year, and the other $35,000, the person making the lower salary may not like the arrangement!

If you do decide to keep "his and her" checking or savings accounts, then you'll need to find a system for paying bills and handling other joint finances together. One option that has worked great for many couples is to create a third checking account and designate it as the "combo" fund. You can set up your separate, individual checking accounts to have money automatically withdrawn from them each month at most financial institutions. You will have to sit down together and decide what amount needs to be in the joint account every month in order to cover the "combined" expenses. In a situation like the above--where one person makes significantly more than the other--it is usual for the higher wage earner to pay a larger portion of the expenses.

Another aspect to consider with his and her finances is credit. This can be considerably good or bad, depending on your individual credit ratings. However, at some point you may want to apply for joint credit with your spouse. You will most likely want to make big purchases together throughout the marriage such as a car, a house, or appliances, and it's much easier to do that if you have joint credit. With joint credit, you will both be 100% responsible for the debt, even if you co-sign a loan with your spouse or add your name to your spouse's credit card account. On the other hand, if you decide to maintain separate credit, the general rule is that you are not responsible for each other's debt. (The exception to this is if the debt is considered a house hold expense.)

If one person had bad credit prior to getting married, then the person with good credit may want to keep their credit separate. Why? Because if you apply for credit together, the lower credit score will bring down the higher one.

The best advice? Be upfront about your financial weaknesses, and discuss a plan--before the big day--to handle them. Once you have identified the potential pitfalls, it will only take a small amount of planning to overcome them.

About the author:
If you would like to get more credit information you can visit our website which contains many credit resources. This article is copyright 2009, but can be freely reprinted, as long as no changes are made, including hyperlinks.
Written by: Dave Robinson

:(160)Managing Finances for a Better Credit Rating.

In the world of finances it is all about managing debt to maximize one’s buying power. Since a consumer’s credit score has a direct correlation on any financing or loan authorization, reviewing the accuracy of a credit report is a consumer savvy. Consequently, managing one’s personal finances for a better credit rating is critical.
Did you know that when financial institutions consider authorizing loan approval, they review your payment history? Even if you were unemployed when you were inundated with medical bills, the balance will appear on the credit report.
FACT: Over thirty-five percent of American consumers impaired with a low credit score -- due to expensive hospital and medical bills.
About Your Credit Report Card
A credit report is very similar to an adult life quality report card. It details such personal information as:
Where a consumer works
Where the individual resides
Have you ever been convicted of a crime
Has the individual ever been involved in a lawsuit or claim
How you pay your bills
Credit reports or your report card are kept by organizations referred to as consumer reporting agencies (CRAs). These credit bureaus collect, compile and sell consumers credit documents to businesses. Banks and lending institutions approve applications based on credit. Certain insurance companies and employers evaluate one’s credit before writing a policy or extending employment.
Subsequently, Americans should always review their credit score to ensure the information is accurate. Financial advisors recommend that all consumers should report any updated, omissions or inaccuracies. Specifically, for the person planning to apply for a mortgage, auto loan or other personal loans (secured or non-secured) an exact truthful credit report is important. Moreover, the Fair Credit Reporting Act (FCRA) authorizes consumers the opportunity to submit corrections.
Another aspect of managing one’s finances with a better credit score is by checking the accuracy of information detailed on the credit file. Nonetheless, it may drastically accelerate the credit-granting process.
On the other side of the spectrum, consumers who are denied credit have the right to acquire the following information:
The credit bureau’s name (CRA)
The CRAs address and all contact information
A copy of a free report within 60 days of a denial
In lieu of fraud, being on welfare or unemployment, consumers a allowed one complimentary copy of their credit report
Generally, the cost of a credit report starts at nine dollars.
Credit Reporting Agencies and Credit Bureaus
There are three major credit bureau agencies (Experian, Trans Union and Equifax). All agencies may have different information about a consumer. To compare and check all your credit files from all the top agencies, here is their address:
P.O. Box 2009,
Allen, TX 75013
(888) EXPERIAN (397-3742)
Trans Union
P.O. Box 1000
Chester, PA 19022
(800) 916-8800
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 685-1111
After you obtain a copy of your credit report, the first step to managing your finances begins with noting any discrepancies. Then, protect your rights under the FCRA Act by contacting the source of the erroneous information and the credit reporting agency by writing a letter.
Sample Dispute Letter
(Your Information)
Name Address City, State, Zip Code
Complaint/Dispute Department Name of Credit Reporting Bureau Address City, State, Postal Code
To Whom It May Concern:
Attached you will find a copy of a report I received. The items of dispute are circled on the attached copy of the report I received.
1.) (Detail the disputed items in a list with the credit account, name of the creditor the type of item, such as credit account or judgment etcetera)
This above item is (inaccurate) because (detail what item is inaccurate or incomplete and why). I am requesting that the above named item be removed or corrected (or state the specific change).
Attached you will find copies (describe any enclosures that depict a record of payments or any court documents) which demonstrate my position. Please research this issue and (remove or amend) the disputed item(s) as soon as possible.
Your name
Enclosures: (List what you are enclosing)
Remember to include duplicates (only) of the documents that corroborate the correction.
Facts about Accurate but Negative Credit Report Information
There are scenarios where negative information may be accurate. Unfortunately, there is a general period of time that the information must remain on a credit report. Usually, the time limit is seven months; however the following list details the exceptions:
Any information regarding criminal convictions may be reported for an unlimited time span.
Any credit information provided as a response to an application for a salary position worth over $75,000 does not have a time limit.
Bankruptcy information can remain on a report up to ten years or more.
All credit information reported as a result of an application worth over $150,000 of credit or life insurance does not have a limit.
Any unpaid judgments or lawsuits have a credit report life of seven years or more -- until the statute of limitations has expired (whichever is longer).
In summation, despite negative accurate information, paying your bills on time and correcting any errors is a good way to manage your finances for a better credit rating.
© All rights reserved.

About The Author
Holly Bentz is a finance writer and a contributor to About Personal Loans.
Written by: Holly Bentz

Global Peace Mission



  • Select category
  • English Literature
  • Nuclear Physics
  • Economics
  • General Spiritualism
  • Urdu Literature
  • Society and Culture
  • Law and Order
  • Medical and Health
  • Politics