All You Need To Know About Inheritance Loans

Are you in need of quick cash to solve your issues related to financial crisis? Loans are one of the best ways to solve financial issues. However, only a person who has taken up loan can understand its burden due to the crucial terms and conditions attached to it. These tricky terms and conditions can have major ramifications on your finances in the due course of time.

What are inheritance loans?

If you want to avoid falling into the trap of these terms and policies, you can opt for inheritance loans which are a bit different from the rest of the loans offered by the money lenders. In this of loan, a person who is an heir to an estate can mortgage his share of the property and can get money in turn. It is like getting cash in advance before you actually sell out the property.

Benefits of inheritance loans

This kind of loan is really helpful as one does not have to take additional tension about repayment and other hassles which are attached with a regular loan.

In case of inheritance loans one does not have to take any ownership, the money is repaid to the lender through his share of the estate. Moreover, one does not have to really wait for a long time in order to get this kind of loan approved. If everything goes on fine one can get cash in about three days only. This proves to be a big help to people who are in dire need of money.

How to apply for this kind of loan?

The process to apply for this kind of loan is quite simple. With loads of lenders available in the market all you need to do is provide them some information about the property you own, along with information you share with the owner of the estate. Once all the paperwork is done, which hardly takes around 2 to 3 days, you would be able to get the cash. Once you get the money you are no longer responsible for anything. It is between the company and the lender.

In order to play safe some of the companies do conduct a check on your credit score to know whether you are in a debt while many do not consider it necessary. They are only bothered about your share of the estate. One does not need to bother at all about getting this type of loan approved as there are many companies in the market which would come to reach out to you. Thus, one can consider opting for this kind of loan to get the cash quickly.

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SBA Loan – Know Which Should Be Known

When talking about the capital, the basic area should be known where the capital is mostly required. Generally, the big fishes are not in so much of crisis but the real problem emerges for the small business entrepreneurs. Most of them have such great plans but the lack of money often creates the barrier for the plan to be successfully converted into the practicality. While the continuous growth of the business plans being shut only for lacking money, it was quite a matter of tension for the economists.

Keeping the fact in mind that the small businesses are supposed to be the backbone of a country’s economy, the US government took the decision back in 1953 to build an institution which will be responsible for the growth of startups and the existing small business. The organization, called Small Business Administration (SBA) took a long jump to assist the businesses with the required capital in form of a loan.

Supported by the federal government, SBA plays the part of the catalyst in the game. Instead of loaning out the money itself, SBA loan is basically provided by the other lenders but SBA’s role in the lending is the assurance and the guarantor. When 50% of the total amount of the loan will be provided by SBA itself and 40% is given by the lenders, the small business possessors need to take out just 10% from his or her pocket.

Now the question may arise, why the SBA doesn’t loan out the money by itself, the clarification has been given by the SBA. If the full amount gets leant out by the SBA, then the expenditure of the company increases enormously plus the extra employees also need to get paid. Mainly there are two types of loans that are proffered by SBA:

SBA 7(a):

Mainly built for the small business, SBA 7(a) is the most popular loan service of SBA. With the maximum loan size of $5 million and 90% down payment by the SBA and the lender, users only need to make a payment of 10% as the down payment. Along with the fast closing time, this is one of the most accepted services in the client base.

SBA 504:

Especially for the purchase of the real estate and commercial properties, SBA has sketched a precise loaning service which is named SBA 504. This particular loan is considered as one of the finest plans that have been produced.
With these two SBA loans, the small businesses and startups saw a new hope of emerging as a developed business.

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Online Bill Pay and How It Works

Online bill pay is fast becoming a popular means of payment among people who want to practice good debt management skills, and save on both time and money in the process.

What exactly is online bill pay?

Generally, it is a payment method that lets an individual carry out payment instructions to creditors electronically through a computer program. This can virtually get rid of errors, making it easier to manage debt. In addition, it is faster than mailing checks.

Online bill payment methods come in two basic categories: those being offered via a bank, and those offered via a service provider- like a credit card or phone company.

In general, online bill pay is designed to be fast and simple to use. Majority of major banking institutions, as well as businesses, provide this service without any charge. Individuals can choose to manually enter their payments every month, or arrange for an automatic withdrawal from their account. Automatic withdrawal allows them to set up their payments before their due date without worrying about giving manual instructions to make a monthly payment. The creditor will transfer funds straight from the bank, and enter these funds into their account with no action needed whatsoever.

Advantages of Choosing Online Bill Pay

The following information will help you consider the different advantages of using online bill pay:

Hassle-free

Individuals can save on time when using the online bill pay platform. Instead of writing out checks, wetting stamps and filing lots of papers, they can set up an online account to get rid of all these steps. It will also be easier and faster to manage their debt.

When they need to go over past bills, they do not have to waste time in looking for them – because all their account information can be seen in one centralized location.

Cost Efficient

They can save on the stamping costs, which can add up. The average household gets 15 bills every month, which could amount to $70 a year in just postage costs.

They can avoid late payment fees that are incurred every time a payment is received after the due date. Missed payments could lead to the following:

Increase in interest rates;
Late payment charges and over limit fees.

When the payment is past due, their account could possibly go to collection status.

Convenient

What is a more convenient solution to managing debt? Individuals could create their own automatic online bill account, so they can set up recurring payments that are to be regularly withdrawn from their account. This decreases the chance of late /lost payments, saving time in the process.

When they find out that one of their bills is due for payment on the next day, the best way to make sure that their payment will be posted on time is through online bill pay.

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Empowerment and Equality and Your Finances

The slogan “girl power” has been used for decades to encourage and celebrate female empowerment, independence, and confidence. The term used most often relates to sports and employment; however, new studies are showing that women need to exert their girl power when it comes to finances and financial planning.

A recent study released by UBS shows that 58% of women worldwide defer long-term financial decisions to their spouses. This study included nearly 3,700 high-net-worth married women, widows and divorcees in nine countries. The results of the study showed that 85% of women were responsible for the day-to-day finances; just not the long-term.

What is really interesting is the generational span of this survey and, most notably, the generation most likely to allow someone else to control their decisions: millennials! Millennials are a generation well known for promoting equality and empowerment. Unfortunately, the survey results indicate the helicopter-style parenting millennials were raised with, where someone else is always ensuring their well-being, has bled into the financial realm. Fifty-nine percent of millennial women aged 20 – 34 are more likely to allow their spouse to take the lead compared to 55% of women over 50. The general excuse from the younger women is they have “more urgent responsibilities than investing and financial planning”. Even more contradictory to the equality movement is they “believe their spouses know more about long-term finances than they do”.

The challenge this arrangement poses is the lack of preparation and understanding should a life event such as death or divorce occur. The report noted that 74% of the widowed and divorced women it surveyed reported “discovering negative financial surprises after a divorce or death of their spouse.” Hindsight resulted in 74% of these respondents wishing they had been more involved in long-term financial decisions while they were married, rather than trying to navigate them while coping with such significant life changes.”

The ideal solution is for both partners in a relationship to be aware of both the short- and long-term aspects of their finances. Whether you are married, engaged, common-law or committed, financial planning is another part of creating a responsible long-lasting arrangement between two parties. In this age, knowledge really is power. So be powerful, take control of your money.

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SEO Quotes From Specialists in Search Marketing

Not all information found online is created equal and it’s easy to get pushed and pulled in the wrong direction. To help you cut through all the clutter, I scoured the internet and found the top 10 timeless SEO quotes to guide your strategy. Even if Google unleashes an update tomorrow, these quotes will still hold true.

One of the best things about the internet is instant access to just about any information you need. When researching search engine optimization (SEO), this is especially true.

Enjoy!

Using SEO tricks or hacks is like trying to beat the house in Vegas. Sure, you might get a couple of quick wins, but in the long run you’re bound to lose because “the house always wins.”

In other words, SEO is an asset. It’s like buying real estate and investing to remodel your kitchen and bath. That work will increase the value of your home so that you can sell it in the future for a profit.

Good SEO work only gets better over time.– Jill Whalen (@jillwhalen), WhatDidYouDoWithJill.com

– Dave Naylor (@DaveNaylor), Bronco.co.UK Managing Director

You’re ignoring the most important part of SEO– your customers when you design your website for Google’s search engine spider. At the end of the day, ranking # 1 in Google is completely worthless if your website is not designed properly to convert that traffic into sales and leads!

The goal of SEO is not to rank # 1. The goal is to generate leads and sales for your business.

“My rule of thumb is build a site for a user, not a spider.”

Even if you’re using other tactics like Radio, tv, and print, you still need an SEO strategy to ensure you’re not losing customers when they turn to the internet to do more research.

“On a broad scale, I see SEO becoming a normalized marketing tactic, the same way Print, radio, and tv are traditionally thought of as marketing tactics.”– Duane Forrester, Senior Product Manager, Bing

If your prospective customers are searching in Google, Bing, and Yahoo to find your products or services, you need an SEO strategy. More and more people are using multiple channels to research products and services and search engines are often part of the mix.

This is one of my favorite SEO quotes because it’s so simple, yet so true. Google’s mission is to organize all the information online and present it so that the “best” is at the top of the search results.

“Google only loves you when everyone else loves you first.”– Wendy Piersall

How does Google determine what is “best”?

Google’s algorithm takes into account many factors, but one of the most important signals is the number of websites that reference, or link, to the information. Each link is like a vote in that website’s favor telling Google that it deserves to rank high in the search results.

One of the big misconceptions about SEO is that it’s all about tricking Google to get your website to rank high.

With that in mind, the goal of SEO is to make it as easy as possible for Google to find your website (by using proper HTML code, writing relevant copy, designing for ease of use, optimizing page load speed) and then to give Google a reason to rank your website higher than all the other relevant websites (by publishing better and more robust information, getting more links, more online PR).

Again, it’s important to consider Google’s mission. They want to organize all the information online and present it to the searcher so that only the best websites are at the top of the results page.

Successful SEO is not about tricking Google.– Phil Frost, Main Street ROI

Again, the goal of SEO is not to rank # 1, it’s to generate sales and leads.

“Today it’s not about ‘get the traffic’– it’s about ‘get the targeted and relevant traffic.”– Adam Audette, Chief Knowledge Officer, RKG

That means your SEO strategy starts with finding the right keywords that will ultimately drive conversions for your business. Use Google’s Keywords Planner Tool to search for relevant keywords. Take it one step further to organize all the keywords you find into two categories:

buying-intent

research-intent

As you can probably guess, the buying-intent keywords are the ones where the person searching is most likely looking to make a purchase. The research-intent keywords are the ones where the searcher is most likely just doing research.

Focus your SEO efforts on the buying-intent keywords first to give you the best chance to drive sales and leads.

The sad truth with SEO is that most people will not find your website unless you’re on the first search results page. Keep in mind there are only 10 spots available and likely tens of thousands or even tens of millions of other websites vying for those coveted spots.

Think about how hard it is to double the amount of visitors to your website. You’ll have to invest more in SEO, advertising, social media, email marketing, and/or another marketing tactic to drive more website traffic.

Now consider the fact that you would get the same impact on your business if instead, you focused on doubling your website conversion rates.

“The best place to hide a dead body is the second page of Google search.”– Anonymous.

I’ll admit, I “LOL ‘d” when I first read this quote.

“It’s much easier to double your business by doubling your conversion rate than by doubling your traffic.”– Jeff Eisenberg

In the past, publishing more and more content was a great tactic to expand the reach of your SEO. As you publish more articles about different topics, your website has more opportunities to rank in Google.

“Better content is outweighing more content.”– Rand Fishkin.

Due to Google’s recent algorithm updates, quality outweighs quantity. Always keep this in mind and resist the urge to cut corners on quality in an attempt to publish webpages faster.

Present a stronger, more compelling offer.

Change the layout of your pages so that your offer is more easy to see.

Offer free information in exchange for an email address so you can follow up and convert over a longer time frame.

Use retargeting ads to bring prospects (that didn’t convert) back to your website.

Add a lightbox popup so your offer can’t be missed.

Many businesses took that tactic to the extreme and started to publish low quality articles in an attempt to scale up article production at lower costs.

(Traffic to your website) x (Conversion rate) = (leads or sales).

How can you double your conversion rate? Try some of the following ideas:.

“What gets measured gets improved.”– Peter Drucker.

This quote highlights a recent shift in SEO.

Many businesses ignore this simple truth.

Your conversion rate is the number of sales or leads you generate from your website divided by the total number of visitors. As you can see from that equation, you can either double your traffic or double your conversion rate and the result will be the same.

It’s simple math…

Peter Drucker was not specifically talking about SEO in this quote, but it’s an important point that deserves to make this list.

What needs to be measured in SEO?

This may come as a surprise, but tracking your rankings alone is worthless! Your rankings should of course be measured, but they tell an incomplete story.

Good SEO work only gets better over time. Successful SEO is not about tricking Google. Good SEO work only gets better over time. Successful SEO is not about tricking Google. That means your SEO strategy starts with finding the right keywords that will ultimately drive conversions for your business.

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How to Find the Best SEO Service for Your Business

If you’re looking for an internet marketing company to deliver SEO services to your company, you may not have the first clue where to start. Internet marketing has become so essential to businesses, that there are an extraordinary number of competing SEO firms in the current market. So how do you know which one to pick?

You will probably find that by searching on Google for an internet marketing company in your location, hundreds of results will appear. This will seem daunting at first, and it can seem impossible to separate the amateur agencies from the ones that can really produce results. But rest assured, there are some telling signs that will help point you in the right direction.

Firstly, you need to think clearly about what services your company most needs. Different agencies may possess different specialties, so it makes sense to determine exactly what you’re looking for before you decide which one to hire. Do you want to boost your brand’s reputation? Or are you more concerned about getting noticed in the first place?

There are a number of services available that relate to SEO, such as ‘pay per click’ management, optimised content writing, link building, web development and so much more. It makes sense to do a bit of research into these services before you decide what could best serve your business.

Alternatively, you can look for an agency that advertises a turnkey approach that will allow you to pick and choose the services you think will best service your business. You should be able to speak to one of their advisers to find out exactly what’s each one means, and how it might be able to help elevate your brand and increase your sales.

It’s important to bear in mind at this stage, that any quote you receive should be free and without obligation. Most SEO agencies should offer you a free consultation because they know that this is their chance to impress you and earn your business. You should be able to seek advice from the agency without being tied down to moving forwards with them.

Plus, by obtaining a few different quotes you will be able to make a fully informed decision about which service to use. However, if you are looking at a few competing agencies, it’s best to keep this quiet.

The best agencies will already have a vast portfolio of established clients, so while they will of course appreciate your business, try to resist ‘haggling’ with them for a better price or admit you’re shopping around, as you might lose them.

It’s best to admit that their quote is slightly out of your price range, as they might be able to work with you to create a more appropriate, tailored plan to suit your budget.

While you’re searching for an internet marketing agency, try not to get tricked into thinking that the company that pops up first in your search engine is necessarily the best. Google sometimes works in mysterious ways, and isn’t always a perfect indicator of which agency is right for you. It’s better to trust your instincts.

Similarly, just because an agency’s website looks swanky, that doesn’t mean they are qualified to handle your SEO. The most promising candidates are those companies who have completed successful strategies for a number of clients in the past, so look for positive testimonials, case studies and reviews to inform your decision.

Lastly, and possibly most importantly, don’t rely on the internet to tell you all you need to know. It may seem like backwards thinking, considering the nature of online marketing, but you will get the best indicator as to a company’s professional offering by actually talking to them yourself.

So, pick up the phone to your local SEO agency, or arrange a face-to-face consultation, and listen to what they have to say about how they can transform your business using their diverse range of skills.

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Why Structured Data Is Critical for SEO Success

Structured Data is the next step to prove relevant data to the search engine spiders. Structured Data provides synthesized data to the web spiders when they crawl your website so that rich and informative snippets can be generated for the viewer. This whole process streamlines the search and the user gets more refined information. Today, the whole world is information hungry. Everyone wants more information at a much faster rate. But, search engine crawlers have limitations of understanding the content on your page.

They are not humans but bots and hence cannot understand the interpretations of the words. But, finding the best and the most relevant result for the searchers is still their task. This limitation is now playing a major role in the selection of pages to be shown in the search engine results pages (SERP). The search engines have started adopting a proactive policy to synthesize this information on relevancy level so that the end user gets more accurate information and doesn’t have to scavenge though multitudes of useless results which seem to be similar.

With the increasing dependence on mobile searches this has become all the more important as the patience, time and resources at the end user’s disposal have got quite demanding. Structured Data allows the search engine spiders to crawl your website and locate the relevant information with the same ‘intent’ as per the requirement of the searcher.

So what is structured data?

Structured data is the refined and categorized data which makes it clear to the crawlers the content of the page. It categorizes the content of the page under predefined parameters so that the search engines know what is being served to the searcher. Structured data lays stress on making the search engines actually understand the content of the pages accurately so that they just do not remain the medium to display random snippets of the page deceived by artfully placed keywords but actually know the content of the page in detail. Structured data is made available for the crawlers in the HTML markup of the page from where they can generate rich snippets of the page for the viewer. If your web page has structured data then more accurate information can be displayed to the viewer.

How it is works

Google’s Structured Data Markup tool can be the starting point for you if you are completely new to this concept. It lets you identify different types of information and tag data fields accordingly. Structured data focuses on explaining the intent of the content on the webpage. Like if your webpage is telling about an event then it’ll show it broken down in form of itinerary so that the user spends lesser amount of time in searching for the exact details. Hence, Semantic markup is used to quantify the information provided by you in a coded language which the search engines can infer easily and turn up relevant data.

How it is done

Search engines like Google, Yahoo, Bing, etc. have come forward in a coordinated way to promote structured data so that the user can get the most relevant information easily. To this end Schema Markup uses a systematic data so that information can be made available in an easily gulp able way and remains highly relevant.

How does it help SEO

Providing structured data on your websites can be the best way to remain in the good books of the search engines as it has multiple advantages.
• High relevancy: Structured data enables the search engines to pick up highly relevant pages for the searches. Now this saves a lot of time of the user. But, it helps businesses too. Businesses get relevant traffic which is highly interested in their product, services and information. This can be of great help to your SEO campaign as you get qualified traffic.
• Low bounce rate: Because of the increased relevancy level the bounce rate of the visitors goes down considerably. This is really important as a high bounce rate can negatively impact your search engine ranking which no company would want to have.
• Greater conversion rate: The increased qualified traffic brings higher conversion rate as an added benefit which is a good news for any business. The whole SEO effort is usually directed to bringing qualified traffic which can be converted into business. The traffic given by structured data helps you in this effort. It gives your boost to your overall ranking because Google and other search engines see conversions as a sign of approval of your products and services.

If you’re not already using structured data already, start doing it now. Structured Data is the future which has immense potential. The way information is being perceived by the search engines and the kind of important they are giving to relevancy the time is not far when websites displaying indecipherable or incoherent information will be lost in oblivion. Providing relevant information is the essence of internet when around two decades ago Bill Gates wrote that on the internet ‘Content is King’, he had categorically visualized this in his prediction. Search engines are taking it one bit further and focusing on not only providing content but relevant also content to the users.

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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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