If All Banks Close Tomorrow

You pick up the morning paper and read the headline, “Government directs that ALL BANKS will invest all deposits in Government Securities. NO MORE REAL ESTATE LOANS to private companies or individuals!” You are in the business of acquiring Real Estate, houses, apartments, land, etc. for resale or for long term investment. Will this news TOTALLY shut you down? OR what if the banks are going to continue to make Real Estate Loans; but not to you? This could be for any number of reasons; too many loans all ready, marginal credit, bad location of Real Estate, etc., etc., etc. OR what if you’re just tired of jumping through hoops, kissing the banker’s rear end, and in general going through the hassle of dealing with banks.

There are great opportunities in our current economy for acquiring Real Estate at prices not seen in years. Bad times for some, good times for others. Therefore, for the Real Estate investor, entrepreneur, developer, etc. success will depend a great deal on being able to have or obtain funds with which to acquire said Real Estate.

So, what do we do if the banks are off limits to us? PRIVATE LENDERS! Create your own funding sources with Private Lenders. There is an unlimited number of individual people and organizations that have funds available to invest. Most of these people and organizations are receiving low returns on their funds. They would obviously like to increase the return on their investments; however, either they don’t know how or they are afraid to invest their money wherein they have no say as to how the money is used. Examples: Stock Market, Mutual Funds, REIT’s, etc.

Investing in these ventures is, in my opinion, a sophisticated “Crap Shoot”. You roll the dice and sometimes win, but mostly lose. Investor’s would like a better way; however, they don’t have the time or knowledge to do better. You can educate these investors and convince them that you can show them how to dramatically increase their returns.

By being diligent, knowledgeable, and honest you can make them feel comfortable at investing with you in Real Estate. You can develop both short term and long term investment funds from these investors. You want to develop a “partnership” and feeling of trust between you and the investor. Once you are able to do that, the news will spread to other investors and you will not have to worry about the banks again.

These posts are the opinion of the author who is not engaged in rendering legal, accounting, or investment advice. If such advice is required or desired, the services of competent professional persons should be sought.

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Evaluate an Auto Insurance Quote Online

Years ago, people had to go to insurance company offices and to get a quote that way. Nowadays, with the ever revolutionizing Internet, you can now get an auto insurance quote online, which can save time. This is a much faster method as well and can be done any time of the day or even in the evening. You get matched up with hundreds of companies from all over the country that can offer coverage as opposed to just your local area.

There are many websites that will let you look at an auto insurance quote and then choose the company you want to work with. For the most part, you can even purchase your coverage online and print out your insurance cards right away and your permanent ones will be mailed to you. You can benefit from comparison websites as they let you get a few quotes and then compare features as well as discounts that each one can offer you.

You can go to one of these comparison websites, enter all of you information in and see your quotes in a few seconds. This makes it easier than trying to find local insurance companies that are in your area and you can get in touch with companies that are in the next state or halfway across the country that can help you.

An auto insurance quote is ideal for getting you accustomed to your price range every month of what you are going to pay for coverage. You can see what is covered in your quote and then make a final decision of what you want to do. More and more people love the convenience that the Internet has to offer. Switching insurance companies can save you a few hundred dollars a year, and some will lower your premium after a certain amount of time.

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Do You Know That Tax Discs Are Going Down in History This October?

The days when we used paper tax discs will soon be finished, but latest surveys indicate that drivers don’t much about this new tax road change. The new rules will be effective starting from the 1 October 2014 and it seems that not many of the drivers are informed well about this.

The elimination of paper tax discs doesn’t mean that you won’t have to pay road tax. The tax will remain and the DVLA and police will rely only on digital records. So the only thing that will change is that your windscreen won’t have to have a sticker on it.

The DVLA will increase the number of options to pay road tax. In addition to the option to pay road tax every 6 or 12 months you can now choose to pay monthly. Paying monthly will be the more expensive option (5% more than paying per year). However, the DVLA expects this option to be used by around 50% of the drivers.

Buying and selling cars will be affected by the new road tax. Sellers and buyers won’t have the chance to buy or sell a car with tax included. The taxation will be left for the final buyer.

If you want to use a new car that you have just bought, you will need to tax it. There are few ways to tax it – through the DVLA’s website, by calling their automated phone service and by using the Post Office.

The good news is that if you are selling your car you will need to notify the DVLA and the unused tax will be refunded. You must notify the DVLA when selling your car, otherwise you can face a 1.000 GBP fine.

Remember that you must use the tax disc until October 1st 2014. If you remove the disc before that date you risk a 200 GBP fine.

£35 million is the sum that the state will lose because of VED evaders in 2013/2014 period. This estimation was made by the Department of Transport.

Tax discs have long history – they were first used in 1921 as part of the Road and Finance Act of 1920. Vehicular taxation has even longer history and it has its origins in the 17th century Great Britain.

The colored tax discs appeared in 1923 while the perforated tax discs appeared in 1938. In that period, the discs usually lasted within the year of issue.

It was 1961 when the 1-year system of payment was introduced to the public. The same year the design was improved making it very difficult to forge. The Driver and Vehicle Licencing Agency became responsible for dealing with these discs in 1974.

In the 70s the four-month tax disc was replaced by the six-month tax disc. The design of these discs had two major changes in 1987 and 2003. In 2003 the taxation rates were changed and they were based on the vehicle’s engine size. Today road tax is based on several factors – year of production, CO2 emission, engine size etc.

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What is Your Investment Style?

Knowing Your chance tolerance and investment design strength of character help you wish funds wisely. While near are many various types of funds with the aim of wherever you can progress to near are three unambiguous investment styles – and these three styles that help your tolerance. The three investment styles are conservative, moderate, and aggressive.

In nature, if you locate with the aim of you maintaining a low tolerance in favor of chance, your investment design strength; nearly everyone likely to be present conservative or else moderate by the side of superlative. If you maintain a high-pitched tolerance in favor of chance, nearly everyone likely be present a moderate or else aggressive investor. By the side of the same occasion, your economic goals strength of character in addition to determine what Design of investing you decide.

If you are saving in favor of retirement of your before your twenties, you ought to create a conservative or else moderate design of investing – but if you are tiresome to acquire as one the funds to buy into your house in the sphere of time, you would try to create an aggressive design.

Conservative investors continue their opening investment. In the sphere of other lexis, if they invest $5000 they will be present and reliable, with the aim of strength of character acquire their initial $5000 back. This type of investor habitually invests in stocks and bonds and succinct money marketplace accounts.

A gain earning savings explanation is very general in favor of conservative investors.

A moderate investor habitually invests much like a conservative investor, but strength of character creates a portion of their investment funds in favor of privileged chance funds. Many moderate investors invest 50% of their investment funds in the sphere of safe or else conservative funds, and invest the remainder in the sphere of riskier funds.

An aggressive investor is willing to take risks with the aim of other investors won’t take. They invest privileged amounts of money in the sphere of riskier ventures in the hopes of achieving bigger returns – either in excess of cash returns or else in the sphere of a succinct amount of return. Aggressive investors often maintain all or else nearly everyone of their investment funds attached to the standard marketplace.

Again, determining what Design of investing your strength investment by your economic goals and your investment tolerance. Whatever Type of investing you execute; you ought to carefully seek with the aim of investment. You should never invest without having all of the specifics!

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