Self certification remortgages and remortgages have been around for a long time.The self certification of income for self employed remortgages and mortgages applicants was very common and also very popular.Self cert. income means that no official proof of income is required and that the mortgage applicant simply declares what he earns.The self employed stated their own income on a letter head.Many self employed applicants such as tradesmen are...more
When buying a new home, deciding between fixed rate mortgages and variable rate mortgages can be a tough call. As important as the decision is, though, it demands a lot of thought and consideration.Fixed Rate Mortgages -As most mortgage brokers Brisbane will attest, fixed rate mortgages are generally the most appealing option to the broadest array of prospective homeowners. The biggest reason for this, of course, is the fact that they come with...more
Very few people sail through life without any financial worries, and at one time or another most people experience debt problems.The situation really has come home to roost due to the recession adversely affecting salaries.Many house holds have seen their income decrease due to for example working shorter hours each week as their employers have introduced cut backs in an attempt to continue trading.The even less fortunate have found themselves unemployed and are now in receipt of state benefits.Some industries have been more badly affected than others with the banking and construction industries particularly badly affected.The reckless lending of banks and building societies has lead to many of their own workers being thrown onto the scrap heap of redundancy and many might say that they have had their just rewards.It is only the minions who have suffered as the bank bosses have in general kept their positions.These bankers were prepared to advance loans both to companies and to private individuals that they could never realistically repay.They probably did not really care if the borrowers could afford the loan repayment as it was not their own money with which they were being so...more
If you are trapped with a monetary disaster and do not have anything to present as guarantee, then opting for an unsecured loans can be the only viable option. Earlier, it was not possible as lenders dont allow the loan without any collateral but now due to the heavy competition in the financial market there are loans in which you dont need to put...more
With the holidays right around the corner, many of us are making holiday travel plans. As you are making your holiday travel plans, identify opportunities to integrate your holiday travel plans with your tax strategy - legally!Tip #1Spend more than 50% of your time during each 8-hour day on business activities and you can deduct 100% of your...more
You have learned how to create a real estate business. But at the same time, you want to create your net worth. The steps to getting this done are a 5-step process. Not only can you apply this process to your business, but you can apply it to your personal life.The five steps to Getting it Done are:1. Define what role you will play 2. Establish your vision 3. Create your storyboard 4. Create your plan 5. Create your performance dashboardDefining your role: The roles that you can play in your business are that of bird dog, wholesaler, rehab and retail properties or multifamily apartment rentals (income) properties. The more focused you get in defining the role you wish to have, the more effective you will be. Do not try to do everything or you will get distracted and bogged down by stretching yourself too thin.Establish your vision: Your vision is your reason "why"; why you are creating your multifamily apartment business. Make this a "three-year" vision. Ask yourself where you want to live, what do you want to do and what do you want to have over the next three years. This timeframe is long enough to keep you focused and energized.Create your storyboard: This is a...more
It is very sensible to start into the world of Forex trading by creating a small account, as this will allow you to perfect your trading strategies and ideas. Still, a micro account isn't going to be able to leave your day job and enable you to...more
The 2nd generation of the DVR Spy Pen offers some much-needed improvements, and makes it one of the most covert and discrete digital video recorders on the market. If you are a private investigator, law enforcement, concerned parent or spouse, or...more
When I took a road trip this summer I wanted to capture the trip on a video. The Flip Ultra HD Video Camcorder was just the right camera for me. In this article I'll tell you the 5 top reasons why you should review the Flip Ultra HD...more
5 Ways in Which You Can Make More Money Faster By: Coby Wright About the Author Coby Wright is a Business student majoring in Entrepreneurship and is the creator of www.CobyWright.com where he details the ways he makes money...more
5 desperate ways to save money 5 brilliant little ways to save moneyLittle overlooked tips and tricks to help you save money (especially for students).Eyeing the new iPhone 4G that rocked the tech market recently? Ever wished you can afford to...more
Start 2010 off the Right Way. Are you slowly sinking deeper into higher debt year after year? Now is the right time to start getting your finances under control. Start the year off debt consolidation and your monthly expenses could be reduced as much...more