A real estate joint venture poses a lot of headaches for the people at the top of the partnership, and they will often claim that they have one of the toughest jobs in business. This comes as no surprise since it is their job to ensure that they meet the strategic, financial and operational expectations of their shareholders.
The Continue reading
Are your negotiation skills really as good as you think they are?
So, while you may think you’ve got the skills to negotiate the best deal when buying a new home, you don’t want to leave it to chance. After all, this is no small ticket item; you’re going to be negotiating a deal on a property worth a few hundred thousand dollars or more.
According to a recent survey, Continue reading
Debt is a word that is not new to me. I have practically been in debt for God knows how many years. It all started with the credit card. I had just started working and the money I was earning was getting spent faster than I could earn it. The long nights out with my friends, the innumerable trips to God knows where, just to have a good time, was taking its toll on me. I was thinking of getting a payday loan when by chance I glanced in my mail and found that I was eligible for a credit card at 0% interest. It was an offer that was too good to believe. I immediately opted for it. The limit I had was spent so soon, I did not even know what I had used it for. The following month I could not pay the amount I had spent, so I paid the minimum amount for repayment. I was making the minimum payment for a few months and I chanced upon the credit card statement. To my dismay I found that I was being charged a hefty rate of interest for my spend. I contacted their customer service only to find that I had failed to read the fine print. Continue reading
The car broke down and need to have it checked? An emergency occurred that you need to shell out a few bucks for? Flat-out struggling each day living paycheck to paycheck?
Admit it: we’ve all been in that situation and let me tell you, it is ugly. It’s bad. However, that’s just how life is—it throws us challenges we can soldier on and overcome. When is it really okay to resort to lending services to cover for your financial woes? Here are 4 acceptable scenarios where it’s completely fine:
A home owners worst fear is missing your mortgage payments. This could lead to repossession and this is why mortgage protection can be a really effective product. However, lots of people pay a crazy amount of money for mortgage protection when they don’t need to.
Unfortunately some of us get sick and this leads to us not being able to work. Long-term sickness that prevents you from working or redundancy can hit you hard. It often comes when you least expect it and that’s why we should plan for this. Basically, mortgage protection insurance means your monthly repayments get covered if you can’t pay them. Typically a policy will cover your payments for a couple of years and will pay around 65% of your income or £2,000 a month. It’s usually whatever is lowest. This provides you with the protection you need when you need it the most. Continue reading
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Only foolish people will think they couldn’t be fooled by uninitiated, dishonest individuals when making real estate transactions. Whether you’re planning to invest in a Continue reading
It is important that people keep on top of all of their household bills. It is obviously essential that people prioritise their mortgage or rental payments each month, but after this, there are many essential bills that have to be paid. With many of these bills on the rise, it can be difficult for a lot of people to keep their head above water and stay on top of their comings and goings. This is why the news that an energy provider is set to raise their charges for the second time in a year will come as a blow for many people. Continue reading
There always has been the needed to assess the role that is placed by security analysts in the emerging markets. The desire is informed by the establishment that stock prices in the emerging markets move more together than the situation is in the developed markets. The implication of this finding is the suggestion that there is less first customized information in the emerging markets. In this case, the assertion is that the emerging markets are characterized by weak property rights which consequently discourage informed trading, preventing firm specific information from being integrated into the stock prices.
The emerging market’s lack of firm specific information is associated with a number of factors that include minimal regulations as well as dismal enforcement of information disclosure. There is the challenge posed by low degree of voluntary disclosure as well as corporate transparency and that most companies in the emerging markets are either owned by families or affiliated to groups making it difficult to collect the information. Continue reading
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There are a lot of reasons to refinance a mortgage, but everybody realizes that if the rates rise it is not the best time to do that. Is it really so?
Financial planners assure that the rates are still good for refinancing this year. Below you may find a short guide how to refinance successfully if the mortgage rates rise.
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As its name implies, property tax is a type of tax assessed on real estate which is usually based on the value of your property. Though the bill seems reasonable in most cases, it is still important to know how your taxes are calculated and make sure you’re not being overcharged. Read on to know the factors that contribute to your property tax.
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