Money in the Bank

Pay Your Mortgage Off

2008-03-20T16:34:00.003-07:00

Options for taking control of your finances and getting out of debt
Click on this to get the full article.

My Second Income

Equipment Dealers - You're still not quoting a monthly payment?

2008-03-20T16:34:00.001-07:00

I found this article doing a quick search in Google. Enjoy!

Your competitors are offering quotes to customers who could be buying from you. Don't lose these sales! Statistics prove that 80% of prospects who plan to finance equipment will accept your monthly payment option.
This is just the summary, click here to get the full article.

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Help ! I need to Repair My Credit History

2008-02-10T03:51:00.003-08:00

I found this article and thought your might be interested.

The first step if you want to repair your credit history is to get a copy of your current credit report and notify the credit reporting agencies of any mistakes you find.
This is just the summary, click here to get the full article.

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Clipboard For Cash - How To Create An Easy-To-Use Bill Payment System That Will Save You Money!

2008-02-10T03:51:00.001-08:00

I found this article really interesting.

You're committed to attacking your debt issues with intensity, but you're having trouble wrapping your brain around exactly how you're going to accomplish this Herculean feat. We're going to fix that today.
This is just the summary, click here to get the full article.

My Second Income

Business Finance Essentials for a Real Estate Mortgage Loan

2008-01-27T06:21:00.003-08:00

I like this article. Its very informative and useful.

Many residential real estate investors are exploring commercial real estate and business loan alternatives as a result of the increasingly chaotic investment environment for residential financing. There are more key differences between residential real estate investment and commercial real estate investment than realized by most borrowers.
This is just the summary, click here to get the full article.

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8 Essential Tips for Personal Taxes and Accounting

2008-01-27T06:21:00.001-08:00

I found this article was very interesting and giving you clear guidance.

A very important part of personal financial planning is tax and accounting planning. We will discuss 8 essential tips for personal taxes and accounting to help you prepare for the coming tax season.
Click this link to get the full article.

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Personal Vs. Small Business Vs. Corporate Credit Cards

2008-01-14T17:00:00.003-08:00

I like this article a lot.

A comparison between personal, small business, and corporate credit cards.
Just click here to get the full article.

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Disability Insurance Income

2008-01-14T17:00:00.001-08:00

The article provides an interesting perspective.

We would all like to know exactly what was going to happen to us in the future, good or bad although it is hard planning for the good it is much easier, although less pleasurable to make arrangements for the bad but disability insurance can help.
To get the full article, click here.

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Personal Injury Insurance Claim

2008-01-07T14:24:00.001-08:00

I found this article to be very useful.

Keith Mallinson BscHons Provides Information on personal injury insurance, what it is, how to find auto accident personal injury insurance claim and where to find the best personal injury insurance settlement information. http://www.personal-injury.insurance-llc.com/personal-injury-insurance-claim.html
To get the full article, click here.

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Boost Your Credit Scores the 'Deadbeat' Way

2008-01-07T14:23:00.001-08:00

Very interesting article. Have a good reading!

Discover how you can supercharge your credit rating by being a 'deadbeat'. Be the credit card company's worst customer and enjoy your excellent credit rating.
To get the full article, click here.

My Second Income

Avoiding Business Finance and Credit Card Processing Mistakes

2007-12-20T16:13:00.003-08:00

I found this article was very interesting and giving you clear guidance.

By avoiding key credit card processing and business cash advance mistakes, business owners will eliminate critical business finance problems and obtain better working capital management terms. All of the key mistakes can be avoided with a reasonable amount of preparation and effort.
Click this link to get the full article.

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2007 Year-End Health Savings Account Strategies

2007-12-20T16:13:00.001-08:00

I found this article to be very useful.

A Health Savings Account can be an important part of your tax and money-management strategy. Not only can you reduce your health insurance premiums, but when you fund your account you get a nice tax break. Learn how to take advantage of this HSA tax benefit.
Just click here to get the full article.

My Second Income

Bank Of England Cuts Interest Rates

2007-12-18T16:54:00.003-08:00

The Bank of England's monetary policy committee (MPC) has chosen to lower interest rates for the remainder of December, it has emerged.
Just click here to get the full article.

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Critical Illness Insurance Explained

2007-12-18T16:54:00.001-08:00

In my opinion, this article should be mandatory reading.

When you are young fit and healthy, it is hard to plan for the day when that might not be the case but critical illness insurance is something that we all need to make provision for. Providing financial peace of mind for your family by taking out critical illness insurance, for a mere few dollars each week should something happen to you, does not to seem as important to most of us as having that extra, luxury cup of coffee every day during lunch.
This is just the summary, click here to get the full article.

My Second Income

The Human Cost of Debt

2007-12-17T02:47:00.003-08:00

This article is very practial, full of information and helpful.

Britain's personal debt is growing by £1 million every 4 minutes, and 300 people today will be declared insolvent or bankrupt. The Samaritans say that the biggest cause of stress is money (51%), and the Legal Services Research Centre have found that 60% of debt clients had received medication, treatment or counselling, and 45% said that being in debt had had a negative effect on their relationships with their partners.
Click on this to get the full article.

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Go For A Remortgage At The Right Time

2007-12-17T02:47:00.001-08:00

I found this article from another blogger, looks good!

There are a number of situations that can indicate the right time to opt for a remortgage loan. One can be when you learn that you have been paying more interest on your current mortgage than you need to and that a remortgage can be a good way to take care of this and save you money.
Click here to get the full article...

My Second Income

Interest rate on low cost loans

2007-11-23T17:08:00.000-08:00

The interest rate (the additional amount that must be paid with a loan to pay for the service of the lender) can be greatly affected by both the collateral that is used to secure the loan and the credit history of the loan applicant.

Collateral is some piece of property that has value, which is used as a guarantee for repayment of a loan. The type of collateral that you use to guarantee a loan can have a large effect on the amount that you pay. Certain types of lenders, such as online lenders, tend to use specific types of collateral (such as home equity) so as to be able to offer lower rates, while others allow more types of collateral to be used for various interest rates.
It's possible to reduce interest rates significantly by using high-value collateral that can be easily valued by the lender.

Your credit history is a major determining factor in the amount that you'll pay for low cost loans… after all, if you've had credit problems in the past then there are a lot of lenders who might not trust you to repay the loan that they give you in decent time.

My Second Income

A Beginners Guide to the Best Online Loans

2007-11-23T16:48:00.000-08:00

If you're looking for the best online loans, it doesn't hurt to do a little research so that you'll know exactly what sort of things that online lenders are going to be looking for when you apply for a loan.

It's obvious that the best online loans won't simply fall into your lap; in order to get the best interest rates and most agreeable loan terms, you're going to have to be open to using high-valued collateral and accepting the repayment terms that different lenders have available.

If you take the time to consider your options and choose a lender based upon those considerations, it's entirely possible that you'll end up with one of the best online loans that you can get.

Collateral

Most likely, the best online loans are going to be secured loans? after all, the use of collateral as a guarantee for repayment of the loan allows the lender to offer interest rates and loan terms that they wouldn't be able to offer with an unsecured loan.

Since the lender is using the internet to offer their services online, however, it's unlikely that multiple forms of collateral will be accepted.

For some of the best online loans, the item that they are used to finance can serve as collateral? this is true of online mortgage companies as well as online auto lenders.

Many other online lenders don't offer loans to cover high-value purchases, though; their loans go more toward debt consolidation. For these lenders, high-value home equity is a good choice of collateral since it is more intangible than physical properties such as automobiles and is easy to analyze and transfer ownership of.

Repayment Options

As with any loan, the best online loans will have to have repayment options available that are acceptable to both the borrower and the lender.

Many online lenders offer direct withdrawals from personal bank accounts, to offer an easy method of payment that doesn't involve writing and mailing cheques.

Other options such as wire transfer and online payment may also be available, in addition to having physical payment addresses for the borrower to make use of.

Paperwork

While the best online loans can be applied for over an internet connection, there is always some amount of paperwork that must be completed.

To make things easier for both the borrower and the lender, the best online loans do as much of the paperwork via computers as possible? it may still be necessary for some forms to be printed out, filled out, and sent in sometimes along with identifying paperwork.

Often this paperwork can be sent in via fax machine, though some online lenders may require that hard copies of the document be mailed in.

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Short note about the author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk website.

Money in the Bank

2007-11-23T16:30:00.000-08:00

Welcome in my Money in the Bank blog.
Here you can find helpful links to information about mortages and loans.
Money in the Bank is an useful (I hope!) repository of articles that I selected from specialized sites or that I wrote directly in the form of personal memos.
Enjoy!

My links

2007-09-17T16:19:00.000-07:00