Good Investment Advice: Only For The Rich?

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If you think good investment advice is only for the rich, you’re not alone. Nearly two-thirds (65 percent) of investing Americans believe that those with more money are able to get better financial advice than those with less money. Further, more than a quarter (26 percent) state that it takes at least $100,000 to get top-quality financial advice.

This is according to a new survey by the Retirement Corporation of America, which also finds that more than half (56 percent) of investors believe that financial advisors lose credibility when they accept fees or commissions.

Given the above perceptions, it is not surprising that 53 percent rely on themselves or turn to family and friends when it is time to make investment decisions rather than seek professional advice. However, changing investment funds is easer said than done for investors. The survey finds that nearly a third (31 percent) are willing to wait from one to five years before they move their money from a poorly performing option to a better one. The factor that makes it most difficult for investors when contemplating change is the scarcity of time to conduct adequate research, as cited by a third of respondents. This is followed by 20 percent who state that they are confused by all the available options and 16 percent who are afraid of making the wrong decisions.

The Retirement Corporation of America conducted this survey to better understand why consumers stay invested in poor-performing mutual funds. Their newly launched investment opportunity-Money Masters Investment Portfolio-is the first to offer unbiased advice and access to top-performing investment funds for every American.

Taking The Guesswork Out

The good news for confused American investors is the new registered investment advisory account (the “R” Account), offered through the Retirement Corporation of America, with no minimum account balance, commissions, transaction fees or exit penalties. It allows investors to access a fully managed Money Masters Investment Portfolio containing 15 of the world’s top-performing mutual fund managers-the “Money Masters.” The Money Masters are the top 10 stock fund and top five bond fund managers chosen from more than 8,000 fund managers who meet very strict selection criteria.

How It Works

When an investor opens an “R” Account, Retirement Corporation of America advisors determine the individual’s objectives and risk tolerance. Based on that profile, a Money Masters Investment Portfolio is created to best suit the individual investor’s needs.

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Nurturing And Developing A Home Business

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It can be exciting to start your home business, but it is also a challenging situation. If you want to run a home business that makes it, continue reading to learn how to make that happen.

All the expenditures of your business should be accounted for. Included business expenses are things such as Internet service and car mileage related to your work. Working for yourself means that a lot of expenses you would pay for anyway can now be deducted from taxes as business expenses. Small amounts add up quickly, and there is no point in lining the governments pockets with your hard earned cash.

Dress professionally for your home business. If you work at home, you may wish to work while in your jammies. Treat your home business like you would an office and dress professionally. Dressing for success will put you in a mindset to be productive. If you have trouble thinking of the right product to sell, imagine something that you find useful in your everyday life.

The best new products address a previously unrecognized need. It is likely that if people you know could use a product, than there are millions of others who would benefit from the product as well. Keep your full-time job when you first launch your home business. Chances are, your new business will not bring in a profit for quite a while, and it is best to have regular income from your current job during that time. You can use the income from your job to help make it through the start-up period until your new venture becomes profitable.

A special business checking account will help you keep accurate records for your company. To be effective, you must ensure that you use the account for all of your business expenses. By doing so, you will never be confused about your expenditures or how much you are making. In addition to the checking account, you’ll need a credit card entirely for the business, such as purchases you can’t make with a check.

Sign up with an online message board exclusively for people who operate a home business. This way you can communicate with others who are doing what you are. You can commiserate with people who understand what you’re going through. If you have decided to start a business at home, it is extremely important that your family and significant others buy into your plan.

It can be challenging to start a business out of your home. If your family isn’t on board, they will constantly interfere with your efforts to succeed. Now you should be armed with the knowledge necessary to get down to business. The information given here is only helpful if you take the time to use it properly. So use this information and you may find success just around the corner.

What is A VA Home Mortgage Loan?

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There are different types of home mortgage and each of them has an advantage and disadvantage. What may be an advantage to the others may be a disadvantage to you, which is why it is very important that you know which home mortgage is best for you. It will be beneficial if you take time on searching for the right home mortgage, the home mortgage that fits best for you in terms of your capacity to pay.

One type of home mortgage loan that you can consider would be the VA loan; this is the type of loan offered by the U.S Department of Veterans Affair. However, not all are given this type of loan. You need to go through a process to qualify. This kind of home mortgage loan is given to those American veterans or to wives of a veteran. This is actually a long term type of loan. The U.S Department made this to give the veterans a chance to have a house of their own.

If you get a VA home mortgage loan is that you are not required to give down payment. We all know that one of the requirements to get a home loan would be the down payment. And this part is what makes other applicants back out because the down payment would usually be 20% of the total amount. And 20% is actually a big amount and not all people can give that amount. And this is definitely true especially to the veterans and they are one of the families who deserve to have a home of their own.

So if you plan to apply for a VA home loan, the first thing that you should do would be to choose which type of program you wish to apply for. And you need to choose which one you think would fit you, of all the people it has to be you who would choose because no one else knows your needs and wants but you.

But no matter what you choose, you will surely be assured that you will get the most advantage with VA home loan. The first advantage would be the no down payment policy. When we say no down payment policy, you will not pay anything to acquire the home loan. You can directly have your home and proceed with the monthly amortization.

Another advantage is that this type pf loan gives out a lower rate than all the other home loan programs. This is actually one of the problems that are homeowners face, the interest. It is getting too high that you are likely paying twice or even thrice the real price. Yet, there is nothing you could do because you are in a loan.

Another thing, the VA home loan doesn’t include a compulsory insurance. This only means that your monthly amortization will not be added with insurances. The insurances they add can actually make your amortization a lot bigger.

Interested with getting a professional real estate agent services? If you’re looking for houses for sale Clayton, you can check out Teresa Byrd‘s listings.

In the end, no matter which type of home loan you choose, may it be VA home loan or not, for as long as you are happy with your choice and you get the best out of everything then that are all that really matters. You just have to consider all options so that you will be contended in whatever loan you choose.



Tricks Of The Trade: Internet Marketing Essentials

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Successful Internet marketing campaign can bring your business to even greater heights. There are more ways than ever to bring in new customers and keep them engaged. Let’s discuss some tricks you can use to supplement your current business and marketing strategies.

A short-term sales promotion can quickly improve your website’s PageRank. You could buy your PageRank if it is a good deal, since deal sites and consumer sites will want to link with you. The concept is similar to businesses selling an item at a loss, expecting to profit from the move in the future.

You could use different methods to promote your website. A good way to advertise your page is to give something away, tell people about it in blogs, or put ads out at businesses. There are a number of methods that you can use to attract visitors to your site. It just takes some creativity.If you need more guidance, seek the help of our Triangle SEO expert friends.

Building a squeeze page is one tactic for building your contact list. This page will ask your visitors for their email address. You may decide to provide a free promotional gift in exchange for email addresses. This will help encourage them to share their information.

You should let your customers rate your products and leave comments of why they gave a particular rating. Honest feedback helps you offer better products and other customers have more confidence because someone else has already tried the products and highlighted the strong points, along with any possible need for improvement.

Another time-tested strategy to maintain an edge in business is to always look at what your competitors are doing. Browse the sites of businesses similar to yours, and make note of the things that aren’t as good as they could be. If you see that other websites lack a certain service or element, develop this characteristic on your own website.

The way your site looks is just as big a deal as it would be if your customers were in your physical store. Test ads, graphics, links and your checkout system on a regular basis. Consider the fact that your customers can’t enter your store if the doors are locked; if your site has bugs that prevent customers from shopping, they won’t stick around too long.

A unique way of doing internet marketing is to use image searches. Don’t limit your search engine results to only text searches. Your site will show up in more searches, and thus receive more visits, if you add images that fit your content. Your site could inadvertently attract visitors who have stumbled across it while looking for others. You will be building brand awareness and return traffic.

Use descriptions that promise fast results and speedy responses when you are advertising your products and services. Your ads should emphasize how quickly your product works and how quickly you work. If you can deliver fast shipping and quick, hassle-free order placement, be sure to mention them in your ads. You need to then offer a fast checkout or rapidly confirm any orders placed on your site, to live up to your claims. Have some specific goals in mind with your marketing and keep to it.

You can add credibility and increase your reputation by hosting ads for recognizable, credible companies. If you demonstrate an association with big brands, customers will be likely to assign you some extra legitimacy. This can help you bring in more visitors and can help your standing as a reputable business.

So you should now have a better idea of what makes an Internet marketing campaign successful. With diligence and dedication, you can better sales, customer relationships, and become favorable among the business world. 

Down Payments and Mortgages

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It is so exciting to buy your first home, but it is more important to find the right down payments and mortgages option that meet your requirements. The down payment is essential since you will have to pay that amount up front to the seller and the rest payment will be paid through the mortgage. The more you will pay; the lower will be the interest rate and the monthly payment.

How much down payment is expected from the buyer?

The average down payment is the 20% of the total amount. But if you are unable to pay 20% down payment then the lender might ask you for private mortgage insurance. And that insurance will protect the lender if you default payment. Generally the insurance costs from 0.15% to 2.5% of the total loan amount.

Why should you choose 20% down payment? 

Always consider paying 20% down payment to take the advantage of some prevailing policy and also to avoid buying the insurance policy that also charges a huge amount. Here are the reasons why you should choose 20% down payment.

  • More possibility to get a housing loan with lower monthly interest and mortgage:

If you do not meet this demand then there is a possibility that most of the banks will not consider your case. In the current market, there are a fewer options of five percent, ten percent and zero down payment and the scope of getting that kind of loans is very less.

  • Will be easy to cope up with the changing rules of the Consumer Financial Protection Bureau:

According to the new rules of the Consumer Financial Protection Bureau, the home buyers need to meet a 43% debt-to- income ratio. That means all your debts including mortgage payments, car loans, property taxes, and student loan should not exceed 43% of your total monthly income. So, if you make 20% down payment for your home loan then you will have to pay lower mortgages and that can be covered within the 43% debt of your total income.

  • More down payment means lower mortgage: 

Why not choose a lower mortgage option to take a minimum monthly pressure. It is a simple logic, pay more in the beginning; you will have to pay less afterwards. A minimum monthly payment will put less pressure than a huge amount when you have to meet other needs of your life.

  • More down payments offer fewer interests:

Banks charges more interests on lower down payments. And in the long run, you will be ended up paying thousand dollars only for the interests of your home loan. But if you pay 20% down payment, you will get flexible and fewer interest rates. So, try to make the deal rational, and make 20 % down payment to get the lower interest rate.

  • No more insurance for the payment of your home loan:

If you pay 20% down payment then you will be in the safer side. But if are unable to pay that much then most of the lenders will ask you to buy a Private Mortgage Insurance that will also cost you a huge amount of money.

Always ask for a home loan when you are financially prepared to make 20% down payment. That will help you with lower interest rate and mortgage payments. Need more info? Consult with our friend, Dan Stanton – an expert mortgage broker in Raleigh.

What do banks offer in mortgage?

Banks offer different types of mortgage for home loans with specific benefits. If your monthly payment is more then you can go for a fifteen-year plan. That will help you to save thousands of dollars. Here are the other types of mortgage:

  • Fixed-rate Mortgage: In fixed rate mortgage, you will get the knowledge of all your interest rates and monthly payments and will have to pay a fixed interest rate till the end of the term.
  • Adjustable-rate Mortgage: The interest rate is fixed, but you can reduce it in future.
  • Jumbo Mortgage: Fixed interest rate and the term can exceed up to thirty years.
  • FHA mortgage: For this 3.5% mortgage is required. This is helpful those who have less credit.
  • Dreamaker Mortgage: Favorable options for those who want to make five percent down payment only.
  • Home Affordable Refinance Program: It is for those homeowners who want to refinance their home and here the interest rate is less.
  • Veteran affairs: Down payments and monthly mortgage insurance is not required for this mortgage.


Getting Legal Help For Your Business Needs

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Have you found yourself needing a good attorney to take on your business case? Getting a reliable and professional legal representation is critical. Would you like to know more about how to find that lawyer that can take care of your needs? Read the below article for great knowledge on locating a great lawyer so you are assured to have the best chance of winning.

A bad decision to make is picking the first lawyer who comes your way. Be sure to research thoroughly, because lots can be at stake. Speak to others and see what you can figure out about lawyers that interest you. If you are facing serious criminal charges, you need to hire an attorney straight away.

You should avoid saying anything personal to your lawyer because this could cause you to harm your chances of winning. In addition, you might accidentally break the law. Lawyers have learned everything there is to know to assist you in your situation.

Choose the right lawyer in terms of specialization. For instance, hire a real estate lawyer if your legal problem has to do with either buying or selling a home. This can help you get your case dealt with quicker and it can ensure you get the best outcome you can get.

You should not hire a lawyer until you have a proof they have won similar cases in the past. Advertising the ability to work on such a case is very different than having the background and experience needed. If you are unable to find online this information, the attorney should willingly provide it for you.

Always work with a trustworthy lawyer. This is especially important when retaining an attorney for financial matters. Many lawyers will ask for a blank check or retainer fee. If that is the case, you have to trust them completely. Keep your guard up at all times. Make sure you are comfortable with your lawyer.

Find someone who knows his stuff but makes you feel good at the end of the day. If you don’t have a lawyer that’s doing this, you need to locate a different one as soon as possible. However, by understanding more about lawyers and how to pick an effective one, you can be prepared for any eventuality that may strike. Use the information you’ve just learned to find the best possible attorney for your case. For a reputable  law firm with diverse legal expertise, visit MastFirm.Com

Lawyers not only need a comprehensive knowledge of the law. They also need to be personable. If your lawyer doesn’t do that, you need a new one. Discover the friendliness of people who work for your lawyer.

Observe how fast you receive a callback and the friendliness of the secretary. If you do not get a return call for a long time, take this is a clue as to how you would be treated if you were their client. Comfort and confidence are the two biggest factors in choosing a lawyer.