Hard Money Loan – Walk on an Easy Path

Much of the big fishes are now big beginning from the scratch – this point is needed to be understood by the government and more appraisals the fresh ones will get, greater the chance of their achievement will be. Despite all the facts, the business owners are stuck in the middle of the journey just to obtain an amount of the capital, bigger or smaller, doesn’t matter. They look for the financial help in form of a loan but that also gets stuck in the middle as nobody wants to lend money to the person completely new in the industry. What you actually need to realize is before applying for a loan, a proper research and understanding your needs is very important.

Hard money loan is going to solve the problem if it is known properly and the usage of this loan can be amplified if you follow the terms and conditions accurately. This particular loan is a kind which is running from years repetitively in a general manner. One has to ensure the loan by keeping any of his commercial property in the mortgage. That is the way how you can avail the loan. But first, you need to know what a hard money financing help is without which it would be like a big tree without fruits.

Hard Money Financing:
Secured by your commercial property this is a loan which can be avail easily without having much trouble. Without any prepayment penalty, this loan has become one of the most reliable solutions of the needy. But the most important thing you have to know is the terms and conditions of the loan along with the full policies.

Loan Size – The hard money financing can be availed with the huge amount of $200k and above which differs from one institution to another.

Closing Time – One of the main features that a consumer would like to see in the loan policy is the closing time. Whereas, the closing time of this particular loan is surprisingly 10 days which can be the major point for obtaining the loan.

LTV – Up to 75% of LTV, this loan speaks with its action rather than the words.
Loan Term – Valid from 1-3 years, this loan can be extended further and this feature often becomes one of the attractions for the consumers.
There are some worthy reasons why people get motivated for this loan. Some of the beneficial things of the loan are given below:
• Rapid funding of the loan is the first and foremost benefit. It is the most important point as per some of the purchasers.
• The flexible term is one of the major charms as you can get it as you want.
• Lack of prepayment penalties is also a point when you talk about the benefits of the hard money loan.

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Get a Loan Even With Poor Credit

There are bad credit loans out there designed to help those who do need money but they have some negative marks on their credit history. Being able to still obtain the funds you need without feeling embarrassed or anyone looking over your credit is a good feeling. It means you aren’t backed into a corner with no one around to help you.
Move Forward

You can’t change those circumstances, but they are going to haunt you if you don’t find a good way to get the funds you seek. Through bad credit loans, you can move forward and not feel like those past issue still continue to affect you so much. You may have learned your lesson about money or you may have no control over what occurred to get you into this boat.

However, you do have a choice about moving forward and making the best out of a difficult situation. Chance your mindset, find a great provider of bad credit loans, and get the money you need without hassles or delays. It is encouraging to be able to borrow those funds on your own without anyone else. It can be tough to ask a friend or family member to co-sign for you.

The last thing you want to do is create friction among your personal relationships due to the need to get money. You also don’t want them to worry about you, and they will once they learn you need money and you can’t borrow it on your own. You should still be working on a plan of action to improve your credit worthiness, but for now bad credit loans can save the day!

Life has many unexpected turns that occur, and they aren’t always fair. Being able to get the funds you need in an emergency situation though allows you to have some control over the outcome. You will sleep better at night when your bills are paid!

Overall Cost

The interest for bad credit loans is higher than a traditional loan, but it still beats the alternative of not getting the funds. Be committed to paying of that debt as soon as you can. This is a move in the right direction for your credit. It also gives you a chance to borrow from that lender again in the future if you have another need for money in a hurry.

Since they are taking a risk on who they lend money to due to the poor credit, it makes sense they have to charge more. You can still reduce what you pay though by paying more than the requirement each month, only borrowing the amount you must have, and comparing offers before you accept one. Various lenders have different requirements to qualify.

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Why People Rarely Get Rich Quick

The world seems like a huge ball full of endless opportunities to get rich but still millions, if not billions, of people are stuck in poverty. While some cases may be argued as sheer bad luck or misfortune, most people are simply not becoming rich because of various factors that will be highlighted.

Most people don’t become rich quick because of the failure to balance the paradoxical process that is full of contradictions, requiring a strategic balance of the various elements.

They never plan

Without a plan, and without sticking to the plan, becoming rich becomes a moving target or a wild goose chase. Most people do not become rich quick because they just lack the plan to take them there. Whereas plans can be subjected to turbulence, they provide goals and contingent approaches of achieving these goals or salvaging the entire venture if things become unbearable. Without a plan, and without goals, nothing can ever be accomplished, and you will keep on starting all over again every other time.

They procrastinate

The best time to start acting on your plans is now. Most people, however, postpone their plans until it all remains as a thought that can never be actualized. Without starting, you can never know the challenges and neither can you come across the opportunities and hence becoming rich for these people is also postponed.

They never invest

We have all heard of hardworking employees who retire without a penny in their retirement accounts and have to continue working for their daily sustenance in their retirement ages. It becomes impossible to get rich if you only depend on one stream of income known as linear income. Linear income requires that you get a job done for the payment to be effected and hence without working, there is no stream of money. On the other hand, passive income is the money earned from investments that give a return without you having to step in the office. Passive income is the equivalent of making your money to work for you as opposed to you working for the money. Most people will keep on laboring but will not experience their financial breakthrough because they do not make investments that will enable their money work for them.

They lack intent

Intent is masked in several facets including ambition, accountability, and responsibility among others. The process of becoming rich is an intentional journey that must be followed to fruition. It means that you will take responsibility and remain accountable to yourself, and even when faced with obstacles, your ambition will drive you through up to the realization of your goal. This requires a balance between courage and foolishness, and patients and grabbing opportunities. Most people who do not become rich quick simply lack the ability to persevere and exercise restraint while others exercise restraint and perseverance enough till they miss the chance or get ‘burnt.’

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Control Your Finances The Easy Way

Too much month at the end of the money? Many people are faced with the problem of running out of money before their next payday. This is usually because they don’t take the time to organize their incomings and outgoings and end up wondering what happened to their money. There are solutions to help you control your finances which have helped me over the years and now I want to share them with you so you can learn to control your finances the easy way.

MAKE A LIST OF YOUR MONTHLY BILLS

Monthly bills consist of things such as rent, electric, water, council tax and gas. These are bills that are usually the same amount every month. Make a list of all the bills you pay every month along with how much you are paying for each one. Now add up the figures so you know how much you are paying each month in total. If a bill ranges between two amounts then write down the higher amount. For example if you pay between £50 and £70 for electricity then write down £70. You can find the amounts by reading through your bills or bank statements.

Some Electric and Gas companies give you the option of paying a single monthly payment. This way they can monitor how much gas or electricity you are using and adjust your monthly payment accordingly. It is good if you take this option so you only need to add the extra money when they increase or decrease the direct debit. The companies don’t mind you going into debt with your gas in the winter as your payments will reduce the debt in the summer months if you don’t use your heating.

SET UP DIRECT DEBITS

Direct debits allow companies to take the money direct from your account when the bill is due. Once you know how much you need to pay on bills each month you can leave that amount in your account or transfer the full amount to another account if you want to use a separate one for bills. Companies will inform you of any increases so you can adjust the amount you pay. If possible choose the same day for the payment to come out if you are paid monthly, or the nearest day, which is useful if you have all your outgoings coming out of the same account.

Note: these companies can only take out what has been authorised so you don’t have to worry about extra money being paid out. There are also times when they may take the payments 2-3 days earlier because of the direct debit date falling on a weekend or a bank holiday so make sure your money is in your account in advance. Call the companies you pay to set up direct debits. You can actually save money with the direct debit method as you get offered discounts.

MULTIPLE BANK ACCOUNTS

Your bank allows you to open multiple current or checking accounts which you can use for various purposes such as spending and bills. Use one of your accounts for your monthly bills and set up your direct debits to come out of this account. Transfer the total amount of money you need to pay bills into this account once a month and you’ll know that the bills are sorted for the month. I would recommend that you add extra money onto the total so you don’t have to worry about going overdrawn. It may also be a good idea to have a small overdraft on the account in case you need it.

You can also use an account for your general spending needs such as groceries and fuel. I recommend you have your salary transferred into this account – so after transferring the bill money everything left is yours to spend. You can also use this account as a savings account by letting your money stay in there and spending only what you need. Anything left over by Payday can be classed as savings.

If you prefer you can have a separate savings account where you can transfer a set monthly amount or have it done automatically via a standing order. Or you can manually transfer anything left over from last month. It is always recommend having some money saved in case you need it. You never know when there is going to be an emergency or a situation where you need extra money. You could choose an amount you can comfortably save and consider it a monthly bill.

SET SPENDING BUDGETS

Sometimes we can be too reckless with money. Imagine walking into the store with the children in tow and they start adding things to the basket. Imagine seeing something on offer and grabbing as many as you can or picking up something you didn’t really need but it was a bargain. After putting money aside for the bills it is recommend you set yourself a spending budget. For example you may only have £400 left for the month so you could limit yourself to £100 spending per week. Make sure you have the things you really need before you start spending and use the leftover for treats.

You can save money by focusing on the most important purchases for the week and buying certain things in bulk. Buying a six pack of baked beans might be cheaper than buying six separate cans. If you like to drink buy a few cans to drink at home and cut down your time in pubs and bars. If you use public transport try buying a travel pass to save money on paying fares separately. Try taking a packed lunch to work. Basically, if you don’t really need it then don’t buy it.

PAYING DEBTS

The longer you have a credit card or loan debt the more interest you pay. If you have debts then there are ways to keep them under control and save money.

If you have more than one credit card then consider a balance transfer. By transferring all your credit card balances onto one credit card you can get a lower interest rate and a lower monthly payment which will make it easier and faster to pay off.
Use any savings to pay towards the debt. This will save you money on interest payments and reduce the debt faster. If you have extra money then try and clear the smaller debts off first to get rid of them so you have extra money for the bigger debts.
Consider a consolidation loan from the bank. You can borrow enough to pay off all your other debts and just pay one set monthly payment by direct debit. By reducing the number of debt payments to one loan payment you can end up with extra money each month.
If you can’t get a loan then consider an Individual Voluntary Arrangement (IVA). This allows the interest to be frozen on all your unsecured debts and you pay a set monthly amount as much as you can afford for five years. This doesn’t apply to secured loans such as car finance.

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How to Get High Rankings on Google

So much time and money is wasted by not doing things the right way or in the right order. To get high rankings in Google’s regular results as quickly as possible, do the following things.

Step 1: understand the concept of search engine optimization (SEO)
It Is really important for your increase sales all website is and ultimately save you a lot of time if you first understand the basics of search engine optimisation

Step 2: choose your keywords carefully
Take some time to find the right keywords for your website. The most obvious keywords usually aren’t the best keywords for SEO.

How to Judge the Value of a Keyword?

How much is a keyword worth to your website? If you own an online shoe store, do you make more sales from visitors searching for “brown shoes” or “black boots”? The keywords visitors type into search engines are often available to web-masters, and keyword research tools allow us to find this information. However, those tools cannot show us directly how valuable it is to receive traffic from those searches. To understand the value of a keyword, we need to understand our own websites, make some hypotheses, test, and repeat-the classic web marketing formula.

Being the first on the 1st page of Google can be totally pointless if it is for the wrong keyword. Many web masters think that they already know the best keyword for their websites. If they haven’t done some research, they are usually wrong. There are several reasons for that.

You know your business much better than anybody else. You know the special terms that are used in your branch and you know what you should search for when you’re looking for products like yours.

Your customers don’t know as much as you. They don’t know your terminology and they might use totally different keywords. For example, people might search for the keyword “nose job” while your professional pride tells you that you should use the word “rhinoplasty.” If you don’t use the words that your customers use, your website won’t be found.

Have you considered the intention of the searcher? Just because a keyword is used very often on search engines it doesn’t mean that you’ll get many customers. People who find your website through a special keyword might not be interested in purchasing. For example a woman might search for lingerie photos this does not necessarily mean she wants some laundry photos taken she made in fact been looking for ideas of what lingerie she may want to purchase, so if she trips on a photography site she could believe it immediately because it’s not what she’s looking for and this will increase your bounce rate was somebody find your website and leaves it within 30 seconds. This bounce rate can tell you if your keywords are not specific enough.

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Tips for Content Marketing and SEO

For all the Digital marketing companies and leaders, it has become a challenge to work on important disciplines like SEO and Content Marketing. For the process of driving the traffic, is hugely critical and needs to sustain efforts to lead to success. The perfect blend of content planning and its promotion is the key to the triumph of a marketing campaign. While the debate of SEO v/s Content Marketing rages on, it needs to be reiterated here that it is a myth that both these disciplines can be pitted against each other as both can and need to work together for any marketing campaign to reach its pinnacle.

With SEO and Content Marketing working together to establish success for a well-designed Marketing plan, it is really no wonder that one simply cannot complete its existence without the other. Content marketing is the medium for SEO to fulfill its demands and thus complement each other at every stage of the project. No marketing plan is complete without competent utilization of SEO and no SEO campaign can be implemented without content marketing.

A sure-short formula towards achieving coveted success can be derived by weaving an SEO plan into your content marketing strategy and that can be done by:
• Knowing what your prospective customer needs, and providing it to them
• Giving your prospects reason and rewards for prompt action like offering a special price
• Communicating with your buyer/prospect even after he or she gravitates from your site using retargeting lists

Ways to get in the process of SEO and content marketing

• Creating the original Quality content

The needs are to get yourself adjusted to the engaging content that helps you to drive traffic. With this, if you work with original and engaging content will set you apart from competitors, as it gives the search engines something to index that can’t be found elsewhere. It also helps your content marketing goals, as original and quality content is far more likely to attract the audience you’re targeting.

• Evergreen content and SEO linkages

Here “Evergreen” means the type of the content, that can drive your target audience to one’s blog, and that is effective enough to hold your target audience. It more useful article that contains valuable advice and insight will attract the kinds of links and engagement metrics that Google is looking for, and is more likely to perform well in the search rankings over a longer period of time.

• Keyword Research

Keyword research is essential for content marketing and SEO to work well together and generate the better traffic and results. First of all, the quality has to be in the content you produce, but you should also ensure that the content you spent time creating achieves the exposure it deserves. To achieve this, your content needs to match the search terms that people are using and answer these search queries effectively.

• Monitoring the research of keywords

Once you have a list of terms and phrases to target with your content efforts, it’s important to monitor and measure your efforts. Is the content you produce hitting the mark? Is it having an effect on search positions? Don’t expect overnight results; it can take time before you see any shifts in search, and it may be very competitive for certain keywords.

There are no guarantees of success, but a well-applied strategy using focused content will pay off on a long term basis. It’s important to add that, while content can play a key role in achieving SEO goals; it shouldn’t be a slave to those goals.

• Link Building

The best of the driven results in the form of the content needs work for the benefits of getting the link from the other source. The best of the evergreen content is able to attract links. Just make sure it’s distributed effectively so that it can get the attention of as big or influential an audience as possible. There’s no great science to this; just create content that people will want to link to and see how it works.

• Internal linking for the need of the on page optimization

This is an obvious way to use content to help with SEO goals, as well as improving the user experience. Internal linking can help Google crawl your site more effectively, help pages to rank well for certain search terms, and also point users toward content that is relevant to the article they’re reading.

It’s simple enough to put into practice and should be a part of the thinking when writing and edit content.

With the strategy, you can improve your online presence and rank higher on search engine sites. You can then beat off any competition, increase your audience and therefore improve profitable customer action in your business.

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Search Engine Optimization For Beginners

Other factors that count towards better ranking are loading speed measured from Chrome, user reports, and HTML (the latter being a criterion shared by most search engines). Having a sitemap will also help search engines to index all of your content easily. The rest is calculated through on-page optimization.

On-page SEO refers to the ways in which you can improve your content to make it appealing to Google and other search engine’s algorithms. These algorithms are constantly being updated so it is important to ensure you are up to date on the latest version. A quick Google search will give you this information and you can adjust content accordingly.

There are multiple things you can do in regards to on-page SEO and they are all under your control. We will be looking at the main strategies you can employ and how to make the most of them.

But first things first, you have to keep in mind that the star of your blog is content.

And not because you’re proud of the work you’ve put into it, but because the content is monitored by search engine algorithms. One of the key things Google, for example, takes into consideration, is the length of your posts, and it seems to prefer longer and better-formatted ones. To stay on the good side of search engines you need to make your content web friendly

This means that you have to follow a standard style that appeals to users. Try to space out your content in easy to read paragraphs, use lists, and subheadings as often as possible and don’t be ashamed of bullet points. Google also favors good grammar, so pay attention and proofread your blog posts.

Another important factor to take into consideration is keyword density. It used to be a very big deal, but now, if you insist on stuffing your content with keywords, no matter how relevant they are, you will get penalized. Having lots of keywords won’t leave much and search engines want to promote quality. The reverse is valid for quality content. too.

Not enough keywords and you risk being moved down the rankings for irrelevant content. You need to strike a balance and the best way to do that is by letting the content flow. If you’re writing good quality content on a relevant subject then your keywords should come out naturally in your posts.

It might seem simple enough, but what exactly are relevant keywords? The emphasis here is on “relevant” and it tells you all you need to know. You might have a good idea of what keywords are relevant from the research you did earlier. You can apply the same technique to your posts.

Take your topic for the post you want to write and think about what people might search for in order to find it. Next, take that list of keywords and find the most relevant ones, the ones that cannot refer to anything other than the information contained in this particular post. You shouldn’t have more than a couple and once found, adapt and use them in your post. Remember to keep it natural.

Another thing to keep in mind is the use of those keywords in the titles and sub-headings of your blog post. It increases relevance and, if correct optimization has been done on every page, your entire blog will rank much higher. Make your content more appealing by using images in your blog posts as studies show that images enhance your readers’ experience. Use them wisely and optimize them as well by providing SEO friendly captions, titles, and metadata. Even before inserting images into your post, take the time to optimize them. By right clicking and selecting the Properties menu of your images, you can change the title and metadata into keywords that will boost your relevance. Repeat this process when you upload them to your blog since every platform offers you the opportunity to tailor image metadata.

You should also be careful not to overcrowd your pages with links, as it will not only make your blog take longer to load, but it signals to search engines that the site is of poor quality. Keep your blog organized by limiting the number of links you choose to permanently post.

Affiliate links are particularly relevant here. Too many and Google might think your blog isn’t what it appears to be, but do not despair if you have chosen Affiliate Marketing as your monetization system. If you make sure that this is the only algorithm “violation”, then you can compensate by providing quality content. Write your product reviews professionally, be consistent, proofread, post regularly and keep other links to a minimum and you shouldn’t have a problem. Also, do not repeat the affiliate link an unreasonable number of times in your post; rather make it clear in the context so it only appears once.

Another factor in your ranking is the pages that appear on your blog. You might be surprised by the fact that having proper “About Us” and “Contact” pages weighs a significant lot into your search engine rank. Offering clear information about yourself as the owner, and giving visitors a means to communicate with you efficiently counts towards authority and transparency and search engines value these things.

Keeping your readers interested is another way to look good in the eyes of Google and its peers. By providing quality content and posting regularly you encourage visitors to spend more time on your blog, thus signaling to search engines that your blog is a good one. Interacting with readers through the comment section is another way you can improve ratings with little effort. Not only you can get inspiration for future content, but being active amongst your readers shows search engines that your blog is regularly maintained.

Choose a pace at which you can post regularly, so you can give yourself time to write quality posts, optimize them for search engines and always be able to provide fresh content.

Things you might want to avoid at all costs are “bad” backlinks. Despite your best efforts, while formatting and optimizing, one unfavorable backlink can render everything useless.

Backlinks are links from other websites that lead to you. And there are good ones, as well as bad ones. The ones you do not, under any circumstances, want to be associated with are links from disreputable sites that have been heavily penalized by Google. Why? Because you’ll be guilty by association.

What you should aim to do is to liaise with well-maintained and relevant websites in your niche. These will help build your reputation and make you more favorable to search engine algorithms.

Getting these “good” backlinks isn’t hard, but it takes patience, strategy and a bit of work on your part. The most widely used method is guest blogging.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.

Advantages:

Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

Cash Flow Improving Measures:

The customers’ card payments get settled quickly when they pay with a card. Everything is done electronically, so you don’t have to go to the bank to deposit the money. Additionally, you don’t have to wait for customers to pay you. Your cash flow will thus improve.

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Are You Choosing the Right Stock Market Advisory Company

What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.

If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:

How much assistance do you actually require?

Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.

Choose a top ranked advisory company

It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.

Asking for a sample financial plan initially makes sense

When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.

Conclusion

The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.

Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.

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5 Areas Where Interest Rates Matter!

Although, we hear, a lot of opinions, about, interest rates, and their trends, and impacts, very few people seem to understand, the significance, and importance/ relevance, of these rates, in several areas of our lives! After, many decades of involvement, in political campaigns, leadership, leadership training/ planning, real estate, financial sales and consulting, etc, I strongly believed, one benefits, by understanding, more about these, and how they affect, many things, in our lives! Whether, related to personal, organizational, and/ or, public finance/ spending, home ownership and related costs, credit – related issues, business matters, stock and bond pricing, etc, interest rates, truly, significantly, matter! With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 of these areas, and how the cost – of – money, makes a significant difference.

1. Bond prices and interest rates: The price of a bond, generally, is inversely – related to interest rates! When these rates go down, prices, rise, and when they go up, the inverse occurs! Bonds have, what is known, as, a par – value, which is the price, paid, at the end of the term. Markets usually set these at 100, which represents $1,000 per bond, at maturity. However, during the period, the pricing can rise or fall, which impacts, liquidity – related issues!

2. Mortgage rates: For the last few years, we have been witnessing and experiencing, record – low, mortgage interest rates, which have helped the overall, real estate/ housing market, especially, in terms of, pricing increases! In most areas of this country, we are seeing, home prices, at their highest levels, ever, by a significant, dramatic amount! When this rate, is low, a home buyer is able to buy, more – house – for – his – bucks, because, his monthly payments, are so low! Consider, however, what might be the potential ramifications, and impacts, when these rates, will, inevitably, rise?

3. Consumer credit: Low costs of borrowing, help the automobile industry, in terms of consumer financing, etc! Although, not as much as other vehicles, rates on credit card debt, are lower, and there are often, shorter – term, promotions, offering deals! However, since, most of these are variable, and based, on some index, etc, what happens, when there is an increase, in this?

4. Business borrowing: Another area affected, is business cost of borrowing! Presently, they have had access, to relatively, cheap – money, which helps in reducing the costs of borrowing, overall operations, purchasing inventory, etc. But, what happens, when this, ticks – up?

5. Impacts on stock market prices: For some time, because bonds have paid so little, in terms of dividends, etc, many have considered, the stock market, the only game, in – town! In addition, many corporations, have seemed, better – off, than they probably are, and we have witnessed, a higher, ratio of prices to profits, than in the past! How long will this last? How high can it go?

Many factors impact these issues, especially: actual and/ or, perceived inflation; consumer confidence; politics/ government actions/ the Federal Reserve, etc. The more you know, and understand, hopefully, the better – prepared, you will be!

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