Archive for: ‘May 2015’

Protect Your Child’s Future With Mutual Funds

May 26, 2015 Posted by admin

You might not be able to imagine you could afford your child’s dreams and wishes for the future right now. But that could change if you use the right tactics. There is a way that can help you to prepare for the your child’s future – mutual funds. There are many funds that can help you invest in specific plans that augment your child’s future. The plans tend to vary based on the age of the child you’re investing for. If you’re investing for an infant or a child of up to 5 years – investments are likely to be equity based. Generally, the investment period could be up to around 15 years from when you start investing your money. This is the best time for you to start investing. It gives you more time with which you can build up your assets. You end up with more time in which you can keep investing money into the mutual fund.

Once your child is around 6 or 7, start considering a balanced fund. Even if you’re leaning a bit towards equities, that’s alright. But by this time, you shouldn’t rely only on equities. This is because you’ll have less time with to invest. Relying on equities means exposing your capital to volatility. At this point, the fund you choose needs to be balanced with a great deal of safety too. The investment period should range up to about 12 years. It gives you comparatively less time – for both investing and for you money to grow. Once the child reaches teens, don’t take any risks with your capital at all. Get a children plan with emphasis on debt funds rather than equity. You will have an investment period of around 5 years at the most, so don’t take risks with your money. Let it grow slowly but safely with debt funds.

Why debt funds? The investment period is too small for you to take risks with your money. You’ll need your money back in five years. Equity is simply too dangerous when you would need the money back in such a short while. Investing in debt funds helps to gain at least some level of interest on your money. You should have a good option for liquidity when you’re investing, though. Whatever plan you want to choose, ensure you have a fair idea of what you want when the investment comes to an end. You don’t want to fall short of the money you need. If you need more money, start investing earlier. Your money will have enough time to grow that way.

Debtor Finance Services Help In The Advancement Of Your Business

May 24, 2015 Posted by admin

Debtor finance services help your business by giving cash. You will have the capacity to build finance from the unpaid invoices of your own. This astonishing cash flow can without a doubt help you to enhance your business. It will empower your business to get prospect and develop more.
Essentially it is an instrument which offers a credit to the customers against their astounding receivables. It manages to discharge the best working capital and empower you to have smooth operations to upgrade your business. It will doubtlessly get you an advance rapidly. Actually, you can get an advance inside 24-48 hours. Fundamentally the measure of the credit is masterminded between 70% – 90% of the whole estimation of its indebted person’s record.
Why would it be advisable for you to pick debt holder finances?
Individuals need to work together using a loan. It is the most essential a piece of venture. Now and then it takes long time to discharge the instalment. Truth be told it can take 2 or 3 months. For this situation, you may need to bargain with the working capital as it can hamper the cash flow and naturally influence your business operations. Debt holder finance services can spare you from this circumstance and make you ready to handle your working capital appropriately. With the assistance of this administration you can control your extension plan.
There are diverse sorts of Debtor finance services accessible in the business sector. Everyone is useful for business change. Presently you need to choose which one is best for you. One of the best strategies of this administration is private. In this arrangement the financial points of interest won’t be uncovered to your customers. They will be uninformed of the business operations that are occurring in the middle of you and your giving organizations. They will surely pay to your organization for your amazing services. Thing that you have to uncover to your customers is about your loaning procedure. You need to send a notice to your client to recognize him that you have loaned out the record of indebted individuals. Your clients will without a doubt make stunning instalment to you.
Subtle elements of Trade Finance
When you are going to work together then it is likewise critical to know exchange finance extremely well. It will help you to make more benefit. On the off chance that your business is about purchasing products and stock to deal them in higher price you can most likely get working capital by leveraging against this stock. With the assistance of this finance you can organize fund for your national and additionally universal exchange which is known as fare and Trade finance.
There are a few sorts of exchange finance results which can help you. Trade finance will help the customers to pay for the stocks. The loan specialist will most likely manage to make benefit against the old stock. Structure exchange finance is one of the finance approaches of this framework. It helps the organization to make immediate instalment to the supplier of the merchandise.

How to Buy Mutual Funds

May 23, 2015 Posted by admin

Millions of Americans buy mutual funds by simply choosing them as an investment option in their 401k plan. How do people go about investing in mutual funds outside of their retirement plan at work?

There are at least three popular ways average people buy mutual funds, each with its advantages and disadvantages. Where to invest depends to a large extent on how involved you are willing to get in the process. Some people want to learn how to invest, and others want to rely on someone else to handle their investments.

Let’s look at three popular ways to buy mutual funds, starting with how to invest if you want to rely on someone else.

If you want to buy mutual funds with a minimum of time and effort on your part, contact an investment professional. Even though these folks usually call and solicit you, you can call them. Look in the phone book under financial planners, stock brokers, or investment services. Some life insurance agents sell mutual funds as well. Perhaps your local bank or credit union has a representative on board who sells mutual funds.

The advantage of this approach is that someone helps you make financial decisions, and deals with the details, including the paper work. The disadvantage is that you will pay sales charges (loads) and/or other fees that you can otherwise avoid. Rather than choosing a professional at random, I suggest you ask investors you know who they deal with, and how they feel about them. Needless to say, some professionals in the investing business are better than others at their job.

A second popular way to buy mutual funds is the “supermarket” approach. For example, by opening a brokerage account with a major discount broker, you should have access to hundreds of funds to buy. To get started, go to your computer and search for “discount brokers”. Once you have an account with money in it, to buy mutual funds you just click to buy.

The advantage here is the wide selection of funds available from several different fund families. You should be able to buy funds without sales charges, but there will be transaction fees, which are often quite reasonable. On the other hand, this is basically a self-serve supermarket. If you want advice on how to invest or where to invest your money, service is limited.

The third approach is to go with a no-load fund family like Vanguard, Fidelity, or T. Rowe Price. Search “no-load funds” on your computer to find a list of them. These investor-friendly investment companies have toll-free numbers you can call for assistance in opening up a mutual fund account.

There are numerous advantages to this third approach to investing in mutual funds. You deal directly with the mutual fund company, there are no middlemen. You can talk to their representatives toll-free and ask questions without sales pressure. They are used to talking to average folks who are not rich, and who don’t speak the language of Wall Street.

The major no-load fund families offer a broad variety of mutual funds that have no sales charges, and often have some of the lowest yearly expenses in the industry. This makes their no-load funds a low-cost way to buy and hold mutual funds. Plus, these mutual fund companies offer investor assistance and services that are free of extra charges and fees.

When you invest with a no-load fund family, you can buy or sell mutual funds on your computer or toll-free on the telephone without paying any sales charges or transaction fees.

The disadvantage here is that you make your own investment decisions. You decide how to invest and where to invest your money in the various mutual funds they offer. Plus, you may be required to fill out your own forms, like the application required to open an account.

You can save thousands by buying no-load funds directly from a no-load fund company. This is the best way to go IF you are up to speed on how to invest and investment basics. If you are still clueless, there are plenty of articles available to help you learn about investing and mutual funds.

Importance of Selecting the Right Type of Mutual Fund

May 20, 2015 Posted by admin

Even though the Indian mutual fund industry is seen to going through turmoil in the last few years, it has remained a favourite among many investors. The reason for this could be uncertain market conditions and regulatory changes. For people who are keen on knowing as what this industry is all about and how it could benefit them, here’s a comprehensive way to explain this.

In most cases, the mutual fund investments are carried out through a fund manager. He is responsible to make investments into specific security schemes like stocks and bonds. When you invest in a mutual fund, you are buying units or proportions of the mutual fund making you’re a shareholder or unit holder of the fund.

The profits or losses you incur as an investor would be proportionate to the investments you make. These funds normally come out with a number of schemes carrying different investment objectives which are launched from time to time. The type of mutual fund is required to be registered with Securities and Exchange Board of India (SEBI) that regulates securities markets before it can collect funds from the public. Below are the MFs classifies on the basis of structure:

Close-Ended: These have a stipulated maturity period. In most cases, the tenures could be around 5 to 7 years. The funds here are open for subscription but only during a specified period of time. An investor can invest in the scheme at the time of the initial public issue. After that, he can buy or sell the units on the stock exchanges where the units are listed. In a case where an exit route is required, some MFs in this case give an option of selling it back through periodic repurchases at NAV related prices.

Open-Ended: An open-ended type of mutual fund is the most common one in the market. Here, an investor can choose to invest or transact whenever he wants to. Also, there is no limit to the number of investors or overall size of the fund. The book value or share price of these MFs is determined at the market close each day and is called the Net Asset Value (NAV).

Interval based Schemes: This scheme is the one in which the features of open-ended and close-ended are combined into one. Here, the units are traded on the stock market or may be open for sale or redemption during pre-determined intervals of NAV prices.

Before playing it solo in this arena, one should give a thought to hiring a fund manager from any of the top asset management firms in the country. This could prove of great help when decisions are tough to make. A fund manager will always get his expertise and knowledge to every decision you make.

UK Debt finance – financing business growth

May 15, 2015 Posted by admin

There are so many questions from SME businesses that are looking for debt finance of some sort or another. Valuable time is wasted by SME stakeholders trying to source the right deal from the right people at the right price for the right reason. It can be a minefield which may not be as desperate as leading to a company downfall but lack of funds not available within a reasonable timeframe can spell the beginning of missed opportunities, months of struggle and eventually an insolvency disaster waiting to happen.

What is the finance for?

Be clear on what you want your finance for. If you are looking at:

* Working capital
* Expansion – skills, diversification or perhaps acquisition
* Development of ideas
* For use in the actual product or service
* Proving the market
* Proving the product

Or something else in this vein then go for it.

If you are looking for funds to:

* Cover losses
* Repay your debts
* Paying your salary

Then generally speaking, forget it!

Have you seen Dragon’s Den on BBC2? What happens when the entrepreneur divulges the fact that the funding they are looking for is to go on wages? Yep, even if you’ve not seen the show you can probably guess. The entrepreneur walks away empty-handed. If you are just trying to repay debt then perhaps it’s time to talk to the professionals and get some sound advice.

Types of finance (UK)

Consider all the funding options available. Look around your local area, talk to the chambers of commerce, find out the local investment trusts. Ultimately, make sure you pitch to the right type of funder to suit your borrowing requirement.

As a rough guide, consider:

? Debt finance / Small firms loan guarantee (SMFLG) (5k+)
? Friends and family (Up to 80k)
? Business angels (Typically 50k up to 500k)
? Specialist funds / sometimes wealthy business angels in a niche market (Up to 2M)
? Venture capital firms (1.5M+)

Outside or in conjunction with the above you may also do well to consider asset finance companies (assuming you have assets in your business) and also invoice discounting / factoring (assuming you have a debtor book and robust contracts terms and conditions of business).

Some key issues

The funding companies that you approach will be looking at other issues surrounding your business. To be a little crude, they’ll want you to ‘show them the colour of your business underwear’. So what will they want to know?

– Financials
– How do the numbers relate to your plan?
– Are the numbers consistent?
– Can you confidently recall the key numbers and understand
how they relate to your business?

– The management team
– The right blend of skills to see the goal through?
– Concentrically focussed?
– The right product with the wrong team is generally less
attractive than the wrong product with the right team!
– Ability to deliver in spite of setbacks

– Product / Service
– Do you have a unique selling point (USP) that makes you
stand out from the competition?
– Have you protected your interests in the product or service?

– The marketplace
– How big is your market?
– Who’s your competition? Tip: Never say ‘we don’t have
competition’. You may have a USP but there is always
competition even if it’s an alternative solution to your
offering. Make sure you come across as knowledgeable about
how you fare against the competition.
– How will you get access to your market?

Really understand these key issues. The funding companies are checking you out as much as the numbers relating to the deal.

Don’t ask for too little or too much

If you really understand your business to the level that a funding company would like then you would get the request for money correct the first time you ask. It’s embarrassing if you get the figures wrong.

Write out a cashflow forecast for your proposition.

Remember that the greatest gap between revenue and overhead costs may not be month 1 or 2, it may be 8 months down the line.

A typical cycle for raising finance may take 2 to 18 months. If you run out of cash in month 9 and you’re 5 months from the next injection of funding then you may not survive the year. The extra costs associated with filling a cashflow gap may also squeeze your margins to the point you operate at a loss.

Too much funding is equally embarrassing. You have to pay the funding company for that extra cash in the business and potentially at a later date request more funding if say you hit upon a needed expansion plan. What will the perception be of a company asking for funding who were wildly out on figures the last time around?

Summary

There are a number of options available in the UK for business funding.

Asking for the right amount of funding, for the right reason with the right lending source will save you time and costs. Make sure you do the work and demonstrate your ability to run and manage your business.

As a footnote, if you still cannot get funding and are faced with insolvency / personal debts and you would like some help and advice then do get professional help as early as possible.

Instant Car Loans Easy Finance Available To All

May 13, 2015 Posted by admin

Owning a vehicle these days is a necessity of a modern day society since it saves time and cash apart from being convenient in tons of different ways. It’s however not very easy to source the finance from your own pocket and the auto loan becomes inevitable. If you happen to be looking for cheaper financing for buying a car, instant car loan is probably what you’re looking for. These loans enable you to buy any sort of car including the vehicle of your dreams.

Instant Car Loans [http://www.carloansuk.net/Instant_car_loans.html] are available to all types of borrowers, regardless of their credit history. They can apply for the loan amount that they need through instant car loans through the online mode. By applying via the online mode, the borrower will be offered a great number of deals which can be compared so that the best deal can be chosen out of all according to the suitability of the borrower.

Instant car loans can be taken up by the borrower to buy a car which is new or used. The borrower should first research for a car dealer who is offering the lowest cost for the car of his choice. Then he should look for add-on offers with the car. After being decisive about the lender, then the borrower should apply for the instant car loans online.

These car loans online are available to the borrower in two forms. If the borrower is ready to take up the loan amount by pledging his asset, usually the car itself as collateral with the lender, he will get a lower rate of interest for the loan amount. If however, pledging the car seems like a bad idea to a borrower, then he can comfortably opt for the unsecured option of instant car loans. The rate of interest is slightly higher, which can be lowered with research conducted online.

6 best ways to get a Christian finance

May 12, 2015 Posted by admin

Christian Finance is a concept which is based on the Biblical perceptions to help teach believers their stewardship duties and to be a responsible Christian investor with their money. There are many Christian Finance principles based on Biblical affiliation such as goals, budgeting, debt elimination, saving, financial management, tithing, and giving.

There is a ministry such as Crown Financial Concepts who offers numerous books and small group studies on stewardship financial management. There are also many Christian Finance scholars available who conducts stewardship seminars and workshops based on timeless truths about how to manage their money with Christians at local churches.

Along with the teaching ministry, there are many financial institutions which are fee only financial planners that combine their Christian faith along with traditional financial services standards. They also use Christian Finance concepts to administer investment accounts for Christian values and always try to avoid investments that conflict with their client’s Christian beliefs.

” Best ways to get a Christian Finance #1 – Identify your needs – Simply contacting a Christian Finance planner is not enough. Prior to that you need to identify what you need from your consultant. This would include the type of home you would like to own, the savings that you can invest, the monthly repayments that you can afford and the value that you want out of the deal. All your transactions can then be managed with the biblically based investment advice.

” Best ways to get a Christian Finance #2 – Get the best Christian Finance planning firm – The best Christian Financial Planning firm will help you to organize and manage the money with investment advice which are steeped in traditional values and traditional financial planning techniques. A Christian Finance planning firm is needed to help the fellow believing clients in two areas. (1. So that they are able to offer advice with solid moral Biblically based advice. 2, they can use their education and experience to provide the best advice available)

” Best ways to get a Christian Finance #3 – Be aware – It pays to be aware. Do your research on the local real estate options as well as history so that you are familiar with the area and the projects that are on the platter. It is important to ask your Christian Finance advisor to walk you through the various properties and neighborhoods so that you can study their pros and cons yourself.

” Best ways to get a Christian Finance #4 – Be up to date regarding the Christian financial services – Before you invest, you should be thoroughly up to date with the latest trends in the Christian Finance offers. This will help you decide what is best for you and your situation and assist in your long term finance plan.

” Best ways to get a Christian Finance #5 – Choose the best option – Your advisor will give you several options to choose from. Make sure you evaluate them all against your finance situation and your property needs. You should opt for the program which is most comfortable even if it runs into a longer tenure. It is better to pay smaller amounts for a longer duration than hurry with repayments only to default on the mortgage which will result in the loss of your home.

” Best ways to get Christian Finance #6 – Get the best lawyer – Though based on the Christian belief, you should also keep in mind that this is primarily a financial investment. So it is always advisable to get the best lawyer who is not only be well equipped to handle Christian Finance but will also advise and guide you through the intricate maze of real estate investment in general.

Tips to Discovering the Best Performing Mutual Funds

May 12, 2015 Posted by admin

You can diversify your portfolio by adding the best performing mutual funds [http://mutualfundsthatbenefit.com/best-performing-mutual-funds], which are groups of stocks instead of individual stocks. Another good thing is that the professional fund manager who assorts these companies in which you make investment is dependant on the performance of your fund. Mutual funds are problematic because money is deducted from the value of the fund to pay for its own management. Your income through your investment generation would be seriously affected due to this. It is extremely advisable to check out the various types of fee that are charged by a mutual fund company before investing even in the best of funds.

Morningstar and Mutual Funds have become synonymous with one another.If you want information on the best performing mutual funds this web site is a good place to start. The site provides its users with a lot of free helpful data about the top performing mutual funds, and it divides them into groups that you can browse through and pick the fund or funds that are right for you. You will see these categories for the best performing mutual funds written on the left side of the website.

I also use MSN’s Money website to gather data about the best-performing mutual funds. Like Morningstar, the website gives you helpful information about best performing mutual funds, yet it’s the Expert Picks part that has a lot of meaning. Mutual fund research is created exceedingly better by allowing you to assess a professional mutual fund chooser as he analyzes a mutual fund portfolio in right then and there.

Lastly, you can get information about the best performing mutual funds and sector mutual funds from the brokerage house that holds your account. Whilst it might appear to be easy to see, a lot of the times, internet brokerages give a lot of information to their customers that gets overlooked. Many brokerage houses have websites one can explore. There one can receive suggestions or advice on the services they provide.

Using the Internet to Research Information and Apply for Financing a Car – Gain an Approval Within Minutes

May 7, 2015 Posted by admin

The world became a much easier place to live in when we gained access to the internet, and just about everyone would agree. Anything and everything you want is simple to access with a few strokes of your fingertips, including cars on finance. Not only can you find them on the internet but in some cases you can even apply for car loans on the car you like. Using the internet saves you time and money by making everything possible from the comfort of your own living room.

How the Internet Can Help

If you did not have the internet then chances are you would find yourself going from car dealer to car dealer. Now, let us go a step further and assume you do not have a car, hence the need to buy one. If that is the case then you are either asking people to drive you around, or you are relying on some form of public transportation. This does not sound very appealing at all, does it? Fortunately, the internet allows you to visit each car lot, only in a virtual manner. There are pictures and sometimes even live chat agents to answer questions.

Car Financing Companies Online

Not only is the internet good for your initial shopping spree, but it is also a good avenue in which to look for loans. There are literally hundreds of car loan companies, which allow you to apply online, gain an answer to the application in moments, and even offer proof of prior approval. You really cannot beat that, especially when you can go to a database that allows you access to hundreds, even thousands of lenders! You must admit, this does sound like a good game plan, especially for someone without current transportation.

Get Pre-approval Before You Start Shopping

As mentioned above, prior approval for a good car loan is going to take a lot of the leg work out of getting cars on finance. You can walk in with a stated amount you are approved for, and drive off the lot with the car you want much faster. Avoiding the lengthy process of sitting in a car dealership applying for financing is really a great convenience. If you have been lucky enough to find a good loan, and a good car, all in a few hours time, then you haven´┐ŻEUR(TM)t done very bad for yourself, have you?

New business financing Fast Aids to Business Starters

May 7, 2015 Posted by admin

New business financing takes a lot. You need to decide on a series of matters. And, it needs real hard work on your part to manage financing for your new business venture. You need to put money for buying office plots, plants and machinery, raw materials and on many more things. So, if you get financing from sources other than your own, it becomes almost a blessing for your new business venture. Now who are those angels who will be willing to provide you some monetary helps for your new venture? Let’s find out who are they.

new business financing [http://www.womanbusinessloans.co.uk/new_business_financing.html] are available from various sources in the form of business loans. There are banks and other financing houses. However, getting finance for your new business from banks is not so easy as they in most of the cases seem to be more interested in financing big business houses rather than encouraging new business ventures. So, it is better to opt for private financing organizations who are always ready for financing any sort of business, be it a small or big, new or old.

Business loans for new business financing are available in either format, as secured or unsecured new business financing. Secured new business financing requires the borrower to place collateral to get his new business financing while the unsecured new business financing does not require any. However, if you are looking for cheap new business financing for your venture, you have to opt for the secured one since here your asset playing as the collateral secures more benefit from the lender. Moreover, new business financing is also available for the bad credit holders. Only they have to pay slightly higher rates of interest for their new business financing. Yet, this rate does not go too high because of the competition prevailing among the lenders.

Online is the best method for getting cheap finance for your new business as the competition among the lenders is tough there and that is why they advance new business financing at cheap rates. Also, there is no legwork involved online.