Refinancing and Debt Consolidation

By Bob Jones

It is a fact that there are only a few Internet-based debt consolidation lenders, who will assist debtors actually reduce their debts. However, homeowners who are deep in debt can use their homes as collateral to raise a consolidation loan to pay off their outstanding debts. These loans are offered to the debtor to repay existing debts. Then the debtor must repay the consolidation loan in monthly payments.

To put it another way, all your bills are totted up and rolled into one debt refinancing package, which is repaid by a single monthly instalment. Furthermore, if you have credit card loans, then these loans and their interest will also roll into that monthly instalment. Likewise if you have personal or home loans or any other types of loan, then these are also rolled in the one debt consolidation or refinancing repayment per month. This is called debt consolidation refinancing.

A few debt consolidation refinancing packages make it very easy and provide short applications, that will link you to an expert, who will search for a solution to reduce your debts by assessing the information you provide to see whether debt consolidation refinancing is an option for you.

"Money Management International" (MMI) is one of the many online "Consumer Credit Counseling Services" (CCCS). These are non-profit organizations that provide debt consolidation refinancing support to debtors.

It is sometimes safer to use these non-profit organizations than the services of a bank or financial adviser. Since MMI is a member of the "Better Business Bureau", we will refer to this debt consolidation and refinancing organization to help you to obtain an idea of what debt consolidation refinancing is there for you.

After you have joined up with an online debt consolidation refinancing organization and have been accepted, then the professional financial experts will work with your creditors and request consideration. This just means that the experts will put their heads together to try choose a debt consolidation refinancing package that is acceptable to both you and your creditors.

For example, if you were paying $1,200 per month in instalments, a debt consolidation refinancing counsellor might try to get your monthly instalment cut to, say, $600 give or take a couple of hundred dollars. This represents half the figure you were paying in the first place and so represents a good deal in debt consolidation refinancing, although, of course, you will need to continue the repayments for a much longer period of time! - 23222

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Choosing The Best Mutual Funds

By Zena F. Phipps

One of the safest ways of investing money for people who know very little about finance is mutual funds. A mutual fund is one of the three basic types of investment companies. They will make a big lump sum from very many small contributors who want to invest. When they have put it all together they will invest this money into stocks, bonds and other investment options that they deem fit.

To go about choosing the best mutual funds for your investing will require a crash course first. You will have to browse through all the types of mutual funds that are available. They should be about ten in maximum but not less than five. The first and simplest is the open end fund. It lets you buy shares everyday and these are invested in securities. Every day as they share the returns out to the investors those who wish to stop being a part can do it any time. This is why it is called the open end.

Another type of fund to consider when choosing mutual funds is the exchange traded funds. These are traded throughout the day on the stock exchange. They are almost like the open ended fund except that they trade in kind. This means they will deal in anything other than legal tender if they have to. This decreases the amount of money they have to lose in transactions.

The next type of mutual fund up for debate is the equity fund. When choosing the best mutual funds this one should not be overlooked depending on what you want. This fund has very high returns as it is played only on the stock exchange. It comes with its strategically placed dealings that are not accorded to the other funds.

There is then a class of mutual funds called the bond funds. Both of the funds in this class present their own advantages when choosing the best mutual funds. The first in this class of mutual funds is the term funds. The term funds need the money to be given a term before the investment matures. This term can be short, medium or long term depending on which the investors agree upon. It is a good option for those who just want to sit back and wait for their return.

The second is the municipal bond which is given by cities and their agencies. They do this to raise quick money for their local government. They therefore offer incentives to attract any potential investors. These incentives mainly come in the form of tax breaks or reductions. When you go to collect your returns it is not minus the income tax which can sometimes be hefty.

When choosing mutual funds there is also the money market funds. I kind of see the very young couples who want to have something in their retirement going for this one. It is very low in risk. In fact it has the least risk among all the options. The catch however is that the return is very low. We all know the higher the risk the higher the returns. The money market funds are also liquid and can be redeemed anytime.

When choosing the best mutual funds one has to get to know all these different types of funds. I do not mean only skimming through them but learning them thoroughly. This will make sure that you will end up with the mutual fund that will end up proving worthwhile. If you want to invest then you must invest wisely. - 23222

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Real Estate Investing For The Rest Of Us

By Marcus Myer

Location - do not jump in to get a property just because the market is bearish. Consider the locale of the property extremely carefully. The fact is a property with a bad location won't fetch you a good price even if the market is bullish. If you are interested in buying property then make sure that the property is suitably located.

It should be in the vicinity of shopping complexes, malls, hospitals, colleges parks and should be easily accessible by road and mass transit systems. It may be right that a property will cost you comparatively more if it is well found. Nevertheless, you will be ready to fetch a more acceptable price when the market picks up.

long-term - investing in property is a long-term proposition with convincing returns over a period. You may have a higher capital gains tax guilt.

Don't think of selling such a property. Lease it out instead. Always put aside a certain portion of the revenue for upkeep and maintenance. Many backers who flipped properties found themselves in the middle of a property market crash and were saddled with properties that they couldn't dispose off.

Lease Option - Never rent a property with a lease option to buy . You must sell or rent it straight out. A lease option goes against the interests of both buyer and seller. In all likelihood, the renter will not buy the property at the end of the lease and the proprietor would have lost a large amount of money re kickbacks on the rent. The lease agreement should have a clause that prevents the tenant-buyer from defaulting on the purchase by allowing you to forfeit the deposit.

Focus on the idea of investing in buying local property ; at least at the start of your real estate investment career. Do not rush to buy property in another state or country, as you would not be so informed about the conditions. Investing in property in other states will increase your expenses in terms of commuting. Consider the proven fact that as a potential owner you will have to inspect the property to determine if there is any damage every month. You will also have to ensure that the property is not being misused in any way. For example there could be more renters living in the property than is permissible as per state and federal laws.

It makes for better business sense for you to think local and buy local. - 23222

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The Five Laws Of Physics According To A Penny Stock Advisor

By Malcolm Torren

What if the penny stock advisor was a physicist? Would he have invented something beneficial for everyone? Or would he have created something for world domination? Would he be formulating new laws for the stock market for every one to gain? Or would he be outlawed for disclosing too much information to the public? How would the stock market look and sound like?

It can be quite interesting. You'd probably end up analyzing too much on some empirical formula and how it works. Perhaps you'd be challenged about momentum penny stocks. Is there really gravity in these numbers? What could be your learning curve? If the penny stock advisor was a physicist, would he be interested in the stock market just the same? What laws of physics could there be?

- Law no. 1 - What goes up must come down. Definitely, the numbers will still behave as usual. Think of your penny stocks as bubbles. The smaller the price, the lesser its weight. Then the easier for it to float. When it gets bigger, the more volatile it becomes and the easier it bursts. Then you may lose the bubble forever.

- Law no. 2 - There are no horizontal lines, just horizons. Professor penny stock advisor will tell you that your penny stocks cannot move sideways. It's only up or down. Therefore, if it goes up, you don't see horizontal lines but new and better horizons for you.

- Law no. 3 - Think big, start small. You start with a cheap small cap share and imagine it to grow bigger. But it needs energy if you want it to grow. Penny stock brokers will help bring in the investors to fuel the energy for you. At the end of the day, your profit is realized. This theory explains that with positive energy, your penny stocks can only grow.

- Law no. 4 - Time is inversely proportional with money. The longer you keep your penny stocks in, the more risky your investments become. Professor penny stock advisor can prove this by applying this fourth theory with the first law. If your penny stocks are subjected at a longer time at its current size and weight, it will eventually drop.

- Law no. 5 - The theory of the penny stock trajectory. A trajectory is defined when an object is thrown up into the air. Because of the magnitude of force it is subjected, it will take time before it comes down again. This imaginary curve is formed. With this curve includes the time factor when how long it stayed up and the distance it has covered with its travel. If the penny stock trajectory is perfect, an investor and penny stock broker would be able to pinpoint the exact time when the peak happens. Unfortunately, there is none.

The laws of the stock market can be compared to physics. But the difference is that the penny stock trading cannot be an absolute science. You cannot calculate risks accurately. But you can trace the irregularities of the trend. Your best fallback is your empirical analysis. That means your ability to decide. - 23222

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Current UK Property Market

By Martin Davis

Due to the current economic climate, in recent months, the UK housing market has been in dramatic decline. A staggering 16.6% decline has been seen, to date with a total of 1.3% of that amassed during January 2009.

There are many articles online which give you an idea about the future of the UKs economy. It seems unlikely that any improvement will be seen for some time to come, if anything the condition of the housing market looks set to decline further still.

It has been predicted, by the Royal Institution of Chartered Surveyors (RICS) that there will be a further 10% decrease in the number of houses sold, this year. The housing market is currently in the worst position seen in many, many years.

Although house prices will begin to rise again in the year 2011 a further 10% decrease is expected this year, therefore people will have to recognize that the price of their house is currently much less than it was not so many years ago.

Although the market is in this weakened state, there are many people who are still willing to buy. For those who are looking to invest in property this may be the ideal time to do so. With house prices still falling and so many people being faced with homes being repossessed, deals are certainly available.

Within the next year the finance industry expects to see an increase in houses being repossessed. This is as home owners struggle to meet mortgage repayments. They are predicting that in the current UK property market; a further 34,000 homes will be repossessed.

So what are the main reasons why we have seen such a big decrease in the value of properties in the current UK property market?

(1) There are many people out there that are worried about losing their jobs and making repayments. This is making a lot of mortgage companies wary so they end up holding back on lending.

(2) In order to obtain a mortgage, finance companies require the buyer to provide a much larger deposit. So for first time buyers, being able to get a mortgage to buy their first home has virtually become impossible.

(3) People are expecting house prices to fall further, they are unwilling to buy.

(4) Even with cuts in the banks base rates, people still find it difficult to get the mortgage they want. Over the last 2-3 years the mortgage prices have not really moved, people have just been holding off remortgaging.

Above we have looked at the reasons why the UK property market looks the way it does. As we watch the market closely, there certainly seems to be no chance of the problems easing for many homeowners in the coming months. But it is not just homeowners who are suffering with this current slump. In recent months there have been many construction workers laid off and many estate agencies closing. - 23222

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