Monthly Archives: January 2018

College Financing Programs Recommend For You

College education is one necessity in life anyone desires to have. It is for sure that the higher you get with college education the better the job you will get in future, the higher you get paid and the more comfy your life becomes. But nothing good comes easily! College Education is becoming so expensive and many are on the look out for extra finances just to meet this need.Did you know that this can easily be solved by getting enough information and advice on College Financing Programs? Well let me just make it clear for you. College Financing Programs give you, as college student, clear and detailed information on financing your college education. Do not go blindly into any kind of college financing without a clear mind on what it entails. You need to know that this information is available for you and there are so many government and private college financial institutions that offer the information.

You need a good plan for this so that even before going to the college of your choice you will smartly decide who should be your college financier basing on the requirements of that college. Your school advisor this time round is a key person you should consider talking to about college financing. He should explain in details on how college financing will help you go through the college life and just how it can affect you and your family while in college and after you are done with it.

Just like always, you will find so many documentations to read and agree with, sign and apply and all this may lead to so much confusion in your mind. But many institutions offering college financing are a bit organized and just by following their guidelines, you will get there, believe me! For instance, the federal government has good quality online information that with many defined links connecting to the ideal application forms to the college financing. In the college financing guide you will also learn of the available student loan programs, estimate the cost for college education; get info about the effects of defaulted loans and even funding alternatives.

Once you have made up your mind that you need a college financier the links to these college financing websites will help you find the best and a step by step approved application process that will leave you smiling for achieving something.

And Just before I forget! let me give you my last word, that undeniably, university and college education is proving quite expensive these days, and for sure we all want to go through this education just to achieve more for the sake of our future and the generations to come. We are left with no choice but to comply with this changing and devastating stipulation. Well what do we do? Let’s get positive and learn more about how we can finance this education however expensive it is. So get this college financing information yourself and let it stick in your mind so that when you go to look for the financiers you will have a concrete idea on what you expect and a better choice of college too.

Guerrilla Guide To Real Estate

After I wrote my first book about investing in probate properties, I got many questions about how to finance the properties, what to do if you had credit issues, how to be certain you could sell the property after you bought it, etc.

Consequently, about one year later I wrote a second book and called it my guerrilla financing guide. In it I discuss alternate ways for finding financing that you probably have not thought of.

Since many of you might be concerned about how you are going to sell your property once you buy it, one of the solutions I discuss is building your buyer list before you make your purchase.

How do you do that you ask?

Well, I don’t want to give away all my thunder, but here’s one quick idea.

How about calling a few CPA’s?

“Hello Ms. CPA. Would you happen to have any clients that might be interested in buying Real Estate at a discounted price?”

“Oh…you do, but you can’t give me their number? That’s OK. Could you please give them mine and have them call me?”

Do you think if you called ten to fifteen CPA firms over a couple of hours you might get a few…or fifty…interested buyers for your “yet-to-be-bought” property?

I guarantee you will.

It’s all part of “see the people, tell your story.”

I have a standing joke that you could drop me off at your kids soccer match and I’ll come home with names of three potential buyers of my deals.

See the people, tell your story.

How about inviting me to your next church picnic?

Yep, you got it….

“That’s a lovely hat Mrs. Ruddlesheim, could you please pass the deviled eggs? Oh, by the way…would you happen to know anyone who might be interested in buying Real Estate at a discounted price? Your grandson does? Really! Do think I might give him a call?”

You got it…three more names to my list.

See the people, tell your story.

It’s as easy as eating cherry pie on the Fourth of July!

So that’s my tip for the day…”see the people, tell your story!”

Oh, by the way, at one time I had a list of 27 potential buyers.

The Darling Bride Sharon had to cut me off on church picnics before I got banned.

How to Become Successful in Obtaining Car Finance

An automobile is not just a means of communication. People are passionate about it and their love for the four-wheeled beauty is eternal. If you want to buy a car of your own, here’s some help. The car financing guide will provide you with information about the entire process. It will aid you in obtaining a successful finance deal. It includes a list of factors that you should consider before making a decision. So, let’s start.

Be Ready

Financing a car is not like buying a new pair of shoes or a shirt. You will have to be ready with a few things.

Borrowing Capacity

Good things come to those who wait and prepare. So, don’t think you can find your favourite car and the perfect loan program in a day. Before you start looking for your new or used car, you must sit and calculate your budget. Know how much you will be able to borrow. Also, ascertain your monthly payments. You can use online calculators for this purpose.


A. For PAYG Employed Applicants – Copies of recent 2 pay slips and the Group Certificate for last financial year are required

B. For Self-Employed Applicants – Copies of the last 2 years Tax Returns including full financials


The car dealer may ask you to pay a deposit so that he can reserve the car for you. Deposit is ten to twenty per cent of the car loan amount. It is not a small amount. So, you should spend some time in getting together the money for it.

What’s available?

Before you start searching for the perfect car loan package, you must have some basic knowledge of the car financing options that are available in the market. There are two main sources of car financing.

1. Car Dealer Finance (i.e. provided by the car dealer)

2. Alternative Car Finance (i.e. provided by banks, credit unions, finance companies, etc.)

After you decide on the source of financing, you will have to choose the car financing product. There are a number of car financing options to consider. To make your decision process easier, here is a list:

Personal Lease

It is an ideal option if you are using the car for personal purposes. The lease term can vary from one to five years. It is available with both fixed and variable interest rate. Its rates are lower than other car finance products. It is possible for you to select the residual value and opt for lower monthly repayment.

Car Loan

A car loan enables the lender/credit provider to take security over the car that you are buying. It helps them in protecting their investment. To get approved for a car loan, you must purchase your vehicle from a licensed car dealer. You have the benefit of choosing a long-term loan (up to seven years) as well as the residual value.

Personal Loan

These loan packages can be secured or unsecured. If you opt for a secured one, it won’t be secured against the car that you are buying. The interest rates are slightly higher but, you get benefits of flexible loan terms and simpler approval requirements.

Chattel Mortgage

It is an ideal option if you are using the car for business purposes. The lender will use your car as a security. Sole traders, partnerships, companies, trusts, and ABN holders use this option.

The loan term ranges from one to five years. It has low-interest rates. The monthly payments on the chattel mortgage option are eligible for tax deduction.

So, these are the available options. Once you choose the car financing option, you can apply with a lender or dealer. But, don’t be in a hurry. Take ample time in deciding on the things mentioned in the car finance guide. It will help you in choosing a profitable and beneficial financing package.

The Never Ending Greed

The U.S finance sector is soon turning into a giant sea, where many big fishes are desperately trying to swim their ways to the top. This sudden spurt in its growth can be accounted to the insatiable appetite of this financial stratum. The never ending greed of the financial sector in U.S had caused the financial system to crumple in year 2008. This greed seems to be going on and on:

Based on recent case studies:

> According to a renowned U.S Journal, even after being banned by the legislation, from using certain illegal practices, the credit card companies are paying no heed. They are going on devising ways to dupe the customers.
> Various big names in the finance sector are going to avoid or much rather do away with the financial reform bill recently issued by Washington. This news has created quite a stir in the financial sector.
> The Volcker Plan has levied restrictions upon banks to make tentative investment unless it is on behalf of the customer. A number of finance hubs have figured out a way to come clean of this rule.
> The New York Attorney General is accused of carrying out a false investigation about the insurance companies extracting profits, from the benefits belonging to families of their loved ones who have been killed in the Afghan Wars. This report has been flashed on many news channels.

The years of labor taken in coming up with these convenient monetary policies has given birth to this insatiable financial sector, which is expanding day by day. It is gradually turning into a monster whose hunger knows no end.