Maximizing Tenure on Home Loans

Owning a home isn’t an ordinary fact. In fact, it is a very commendable accomplishment. Owning a home isn’t easy, it takes a lifetime of savings and since most of us don’t have enough cash to wake up and decide to buy a home on any given day, owning a home also comes with a huge financial responsibility. Home loans have long tenures and huge amounts to be repaid.

The maximum tenure of a home loan can stretch up to 30 years. Now this in itself is quite a long period of time but stretching out the tenure may come with the added benefit of reducing monthly instalments. In the long run, the borrower will have paid more through interest but with a lower instalment amount, it becomes easier to manage payments and work around monthly finances and budgets.

Tenure Parameters:
The maximum available tenure when it comes to home loans offered by most banks is 30 years. This figure however is not an absolute number and depending on the age of the applicant, tenures offered can be much lower. Usually home loans are given out in such a way that by the end of the loan tenure, the age of the applicant does not exceed 65 or 70 years. So, if an applicant gets a head start on owning a home and manages to come up with down payments and takes out a loan at the age of 25, the maximum loan tenure offered is 30 or 35 years which means by the time the applicant is 55 or 60 years, the loan would have been repaid. However, if the applicant decides to take a loan out by the time he attains 45 years of age, the maximum loan tenure offered is going to be only 20 to 25 years.

Maximizing Loan Tenures:
While the Monetary Authority of Singapore has restricted the maximum loan tenure of home loans in Singapore to 35 years, chances are that an applicant won’t be provided with this tenure. The age of the applicant at the time of borrowing the loan is one of the deciding factors in getting a long tenure. In such cases applicants can go in for a joint application loan. Joint application loans can give applicants a longer tenure if they co-sign someone younger than them. For instance, an applicant aged 50 years can opt for a joint home loan with his son aged 25 years and avail a longer tenure closer to the 30 year mark.

Benefits of Longer Tenures:
Sure, longer tenures result in more interest paid but they do come with certain advantages. Firstly, an applicant can lower their monthly instalments allowing them to not only manage payments better but also to save more and probably close the loan early. This usually attracts an early settlement fee but still saves a lot more interest in the long run.

Investors can also benefit from longer tenures. Longer tenures lead to smaller monthly payments and higher returns from rent.

Longer tenures and lower instalments bring with it a decrease in TDSR ratio. Bringing down the debt ratio means an applicant can apply for future loans if and when needed.

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Credit Management Tips for Self Employed People

Being self employed you ought to be a better manager for plain sailing your business or service. You need to be the one who thinks clearly, objectively and loves to stay ordered and disciplined. However the more conscientious you are, the more grappled you could be with distractions all around.

Whether you are working as a freelancer or a part time worker, it is important to be financially prudent and manage your funds properly. For you singly need to manage the cash flow to work peacefully with all the stakeholders including suppliers, co workers, business partners and customers. Despite the issues or delay in payments you would need adequate annual funding for your personal as well as future business planning expenses.

To beself employed requires a lot of mettle and hard work. Here are some credit management tips to help you stay financially happy all the times. With too many things to manage, it would be wise of you to have a predefined plan for credit management.

Positive Cash flow

Cash is the king for running any business. And in the modern times, cash is not only the one you have as paper or plastic bills in your pocket, it is your credit worth that defines your real economic power. Most of the self employed individuals find it difficult to borrow at low rate due instable inflow of income.

When you are working as a self-employed business or a freelancer, the income is generally in lump sums and that too in uneven patterns. Many conventional lenders do not lend to self employed people due to this uncertain nature of their income. In the absence of adequate income proof you would remain dependent on private lenders for self employed loans despite having the loan repayment capacity.

Thus it is recommended to have a healthy cash flow all the times and ensure a good credit history to be eligible to borrow from unconventional sources. You can use a professional broker’s advice to assess your loan eligibility.

Estimate expenses

Most home based startups fail due to constrained estimates of expenses. Although your start up cost could be less due to your already set workplace at home, the operational expenses would not be as economical as the initial costs. Prepare a modest list of expenses before you begin the self employed business.

Learn to Keep balance

When you do not earn constantly month-to-month it is important to keep a balance to meet the shortfall on the dry income days. You need to save or keep aside funds to supplement money evenly throughout the year.

Limit the use of credit cards

Credit cards attract higher interest rate and charges. When you need quick money to fund a business plan you should consider applying for a small business loan for self employed instead. In face of shortage of available credit options, consider contacting a loan broker online. As you contact a loan adviser online, they will search all the available deals without any brokering fees.

Pay Taxes and Keep records

Most self employed people fail to raise loans due to lack of proof of their business age and income source. Paying regular taxes not only provide you a solid proof of your existence but also highlight your regular income. You should always keep copy of bills and receipts. Use professional help if you find it difficult to manage track of your expenses and income. Do not forget to use insurance and other tax relief investment opportunities.

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5 Risks/ Rewards Of Today’s Investment Options

Each of us, have a variety of investment choices, and/ or, options, to choose from, when we decide, the best way, to invest our funds! Each of these has both, risks, and rewards, and based on a combination of one’s personal comfort zone, needs, goals, priorities, plans (short – term, and longer – term), and personal financial situation, a decision should be made, on a personal level, because, this is, anything, but, a, one – size – fits – all, situation! One must learn, as much as possible, and proceed, with a clear – mind, focus, and create his personal strategy, With that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, the risks/ rewards, balance, of 5 examples.

1. Stocks: Should you invest in the stock market, and, if so, how should you make the decision, as to your approach! How much risk, are you willing, to assume, and, can you afford? If you take a risky approach, while the potential, may be higher, but the potential, to lose, is higher, also! Should you buy blue – chips, small – cap, large – cap, dividend – focused, individual, stocks, and/ or, mutual funds? What are you seeking, to achieve, and what is your willingness, to accept risk? Never invest until you know, your personal objectives!

2. Bonds – government versus corporate: While, a stock represents, partial ownership, in a corporation, a bond, is a debt obligation! While, bonds may have lower risks, in many cases, that does not mean, they are risk – free. Between the time, one purchases a bond, and it comes due, the price may, and often, does, fluctuate, and, thus, if one needs liquidity, that may be a factor! In addition, it’s important to realize, bond interest rates, depend on many factors, and, that rate is usually, dependent on other rates. Because government bonds, are considered, lower risk, as well, as tax – free (wholly or partially), they generally pay, a lower rate, than corporate ones!

3. Real estate: For most, the value of our house, is our single – biggest, financial asset! In the longer – term, real estate has performed, at, or better than most other vehicles, but, should never be considered, a short – term, fix!

4. Bank/ Insurance: Parking one’s funds, either in the bank, or buying insurance, are considered, safe, secure vehicles. However, the rate – of – return, is often lower, and some bank and insurance vehicles, are far less liquid, than others!

5. Options (buying, selling, covered, naked): One stock strategy is using options, as investments. These come in a variety of forms, and various risks. One can either buy, or sell an option, and usually, selling, has lower risks, while buying, has stock – market, short – term, fluctuation risks/ exposure! The difference between a covered, and a naked option, is the former, means, you own the underlying stock, you are selling the option, on, and therefore, reduce your potential exposure/ risk.

A wise strategy, would be, to learn more about each of these possibilities, give yourself, a check – up, from the neck – up, and decide, which may be best for you. The wiser, and educated, the consumer, the better he might make an informed decision!

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The Ugly Truth About Investment Loyalty

I’ve been a Manchester City fan since 1970. I chose to support them as all my friends were either Leeds United or Manchester United fans, and Manchester City were an attractive footballing alternative who were having a bit of success at the time, winning the league and the FA Cup in consecutive years. However, just as I formed my allegiance to them their success dried up and apart from a couple of cup runs they remained relatively unsuccessful until 2011. You know what it’s like though – once you’ve made your choice of team it’s incumbent upon you to stick with them through thick and thin. After all that’s what supporting a football team is all about; you make your choice, and for better or worse you remain loyal to them whatever happens.

Just imagine though if I’d been prepared to switch my support between different teams over the years based on their performance, rather than simply sticking with Manchester City? Had I for example, switched to a blend of Liverpool and Leeds Utd in the 70′s, Liverpool and Everton or Arsenal in the 80′s and Manchester Utd and Arsenal in the 90′s and noughties before reverting to Manchester City, I would have enjoyed way more success as a result. Between them they were either first or second in the league every year throughout that period, winning numerous cups along the way too.

And it would have been quite possible to choose those clubs based on their results, coupled with a bit of football nouse. Indeed, the pundits have only failed to predict all the top teams in a couple of the last 40 plus years, most recently when Leicester surprised everyone by winning the league in 2016. In virtually all other seasons the top three or four teams have been easily identifiable by those with the experience and expertise to pick them out.

Now, being a football supporter is an entirely emotive decision, which is why we tend to stay loyal to one particular club. So why do many of us behave like football fans when it comes to choosing Fund Managers to look after our investments? That shouldn’t be an emotive decision at all, yet far too often we hold off moving our money when results are not going the way they should and there are better alternatives available.

Now, I do understand that everyone can go through a bit of a lean period, and sometimes it is better to give your incumbent the benefit of the doubt for a time. Clearly that is not always the case, as the recent fall from grace of the one time darling of the investment world, Neil Woodford, is a timely reminder.

So when it comes to your money surely the key is to make evidence backed, emotion free informed decisions about switching, and on a regular basis? Of course, not all of us have the time or the expertise to do this which is why many of us chose an adviser to do it for us.

Choosing an adviser wisely is clearly important, as they will of course charge for this service, but it is not all about the cost; it’s about value for money. Look for an adviser with a dedicated investment department, with full time, daily focus on the investment performance of their panel funds. Get them to give you testimonials from satisfied customers along with the number and scoring of verified reviews they’ve had from clients, and ask them about their recent investment performance. They should also be prepared to back up their claims about investment success with hard facts which clearly demonstrate they are indeed followers of the latest winners and not blindly loyal, or just plain lazy.

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How To Optimize Your SEO for Mobile-First

What is Mobile SEO?

With the increase of competition, it is becoming progressively more difficult for companies’ websites to be found in search engines and therefore gain traffic. There is a need to search for new technologies that bring some kind of feedback, and it is from this search that the Mobile SEO came about. Mobile SEO consists of website optimization techniques for mobile systems. However, mobile SEO should not be considered a technology aimed only at mobile phones, but also at every system with a mobile interface that can access the web. The difference between using mobile SEO to traditional SEO, though, is not too great. Basic techniques such as keyword usage and link building will normally be used here. Therefore, it is necessary to take into account that mobile users have very different habits of traditional users, and it is this (considerable) difference that has further stimulated its evolution.

Search Engines vs. Mobile SEO

Contrary to popular belief, Search Engines has been adapting to new technology. Major search engines systems, along with other mobile access systems, already have their own Mobile Search Engines. A major breakthrough in the area of ​​mobile access is Google Mobile, which makes your mobile device’s access to Google features such as Gmail and Google Maps.

- Google Sitemaps for Mobile
- Bing Mobile Friendliness Test Tool

Mobilize your website and find out how mobile SEO and a call to action can help convert more sales while providing a better customer experience.
How to begin?

As previously mentioned, the techniques involved in Mobile SEO do not differ from traditional SEO techniques. Creating quality content with optimized keywords, using the link anchors well and building links for Mobile Search Engines is a good start. The biggest difference is how to make it easier for these Mobile Search Engines to find and index mobile sites correctly.

Sitemaps and Structure

In the Webmaster Tools, Google has a whole section on Mobile Sitemaps, explaining its structure and other specifications for the correct sitemap configuration. A mobile Sitemap can only contain URLs that serve mobile web content, the remaining links will be ignored by Google. Sitemaps currently support and automatically detect the following markup languages:

- Non-mobile (this includes most of the content)
- Mobile XHTML Profile (WAP 2.0)
- WML (WAP 1.2)
- CHTML (iMode)

Validating these codes is essential. The validation allows full code correction so that it can be viewed by any device without major problems. Some devices simply cannot read pages that are not 100% validated. One final thing is that Google always uses the HTTP “Accept” header to explicitly state that the site should return documents with mobile content, rather than standard HTML. If your site meets this standard, mobile content will be properly crawled by Google crawlers.

Keywords

The use of smaller keywords is indicated in mobile optimization because, according to surveys, they are more suited to mobile users. All of this makes sense when we consider how much space is available in mobile devices, which greatly restrict the use of extensive searches. This will make all the difference, after all it will all depend on how the content will be rendered and displayed on the mobile device, which could range from an Android or an iPhone, to a totally outdated mobile device. All these factors influence the research of this type of user. According to Google, a search by mobile device has on average 15 characters, around 30 keystrokes and takes about 40 seconds to be performed.

Specificity

Try to optimize your mobile website with what the user needs. The mobile user’s profile is usually to search for something very specific. Your search will depend a lot on the situation in which the user finds itself. They may be performing location searches while on the move, such as searching for a particular restaurant or flight time. However, the user could also be in the comfort of their own home, searching for a simple song or movie for their entertainment. Therefore, it is interesting to create specific pages and links for this visitor, preventing them from having to type too much to find what he is looking for, as well as make evident (in prominence) the essential information, throwing away distractions and generic information.

Accelerated Mobile Pages (AMP) Project by Google

AMP stands for Accelerated Mobile Pages, which are pages of sites optimized for simplified and almost instant loading when accessed via mobile devices. The project is an open source initiative of major content publishers and technology companies, aiming to improve the entire content ecosystem for mobile devices. Basically, an AMP page has an architecture that prioritizes the loading speed of the page. This architecture is divided into 3 different configurations:

- AMP HTML: a different HTML code, with restrictions and extensions, going beyond basic HTML. Most of your tags are normal HTML, but some are replaced by AMP-specific tags;
- AMP JS: responsible for ensuring fast rendering of AMP pages. Its main function is to render asynchronous everything that is external, so that no element of the page can block the rendering of another;
- Google AMP Cache: is optional, but stores all pages in AMP HTML cached on Google servers and improves their performance automatically. Other companies may also develop their own AMP cache.

When performing a Google search using the mobile phone, the configured AMP pages are marked with their acronym. When you click on a result marked as AMP, the simplified version of the page loads almost instantly. Also, very slow pages are receiving a warning mark for this problem, showing more and more the importance of having a fast loading website (you can also check and apply some tips to improve the loading speed of your site and avoid this negative alert on your website).

When configured, an AMP page becomes a second version of the page, with the same content as the original version, being generally identified with “/ amp” at the end of the link, which makes it easier to identify its performance in isolation in web reports Analytics. This also ends up raising another question that can become a problem – duplicate content.

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Having A Successful Site in SEO-Centered Times

It’s undeniable how far technological assistance in business success has come. More and more search engine optimization companies are working with smaller businesses and helping them gain ground when it comes to competing with larger enterprises.

A reported 82% of marketers find SEO effective according to a 2016 Market Dive research, reflecting the business world’s rising trust in it as a marketing method. With this, it’s important that these companies employing or who are interested in employing SEO services understand some the concepts effective in SEO and marketing in general today.

This isn’t only for the company to be able to work more smoothly with the company, but to help the company make sure that the company doesn’t end up unnecessarily spending too much.

Go Back To Basics

While numerous advances are made in SEO day by day, it’s still vital to place importance on the basic things.

The frame of any plan for success should include optimization of the title tags, meta description, URL, and page headers. These aspects are considered basic for the very reason that a good plan wouldn’t be able to stand without them.

It’s also important to ensure a website’s loading speed on both its desktop and mobile versions, because if the site isn’t opened and checked out anyway, then everything will be for naught.

Content

It’s been stressed time and again that getting customers to visit your site isn’t enough. It’s important that it contains content compelling and interesting enough to get them to stay, or better yet, keep coming back.

With endless streams of websites out there, several offering similar products/services and containing more or less similar copy, a company should take extra effort in making sure their brand stands out.

It’s important that a company’s copy team and development experts work together in creating content that not only addresses the target readers but addresses weak points as well.

Social Media

The rise in social media has expanded the possibility of brand exposure. It’s important that SEO teams see social media as competition but as an effective ally.

With the right social media strategies, like tapping popular users and going for “viral-worthy” tactics, for example, a significant amount of traffic can be gained.

Popular blogs are also a good idea, with a lot of these bloggers being trusted figures and most likely have large followings.

An important thing to gain from here is that as important as it is to get a good search engine optimization company, it’s also important that businesses acknowledge the importance of other areas and work on them as well in coordination with their SEO teams.

It’s clear how successful optimization for any site isn’t all about just getting your ad out there; SEO is just one of the factors that contribute to success. Providing good content and strategically partnering with popular platforms are just as vital in encouraging customers to visit your site.

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Benefits of Local Search Engine Optimization Services

Have you heard about local search engine optimization? Do you know what it entails? Do you know why you need it? What about the benefits? Local search engine optimization services are overflowing with valuable benefits that your business can enjoy when marketing online. We have put a few of the benefits down for you below so you can see how making use of local search engine optimization services can help boost your brand visibility and increase your website traffic moving forward.

The first benefit you will find is that you get to reach your local audience. If you are marketing online and you aren’t focused on your offline marketing efforts, then you probably aren’t reaching your local clients. In order to do so, you want to include local search engine optimization services into your marketing campaign, so that local clients can find the services or product you provide, enabling them to choose your company over going further afield and choosing a national or even an international company.

Next you will find that local search engine optimization is an algorithm that was introduced by Google to help clients in your local area find product and services nearby first before searching further afield, ideal for those using mobile devices while out and about. That being said, when someone searches for a product or service you provide in your area and you haven’t made use of local SEO then you aren’t going to have a good ranking and they may not even find your company. Local search engine optimization services will help you improve your local ranking to ensure you reach your audience with ease and confidence.

Next you will find that your brand is boosted online. Remember these days when advertising and marketing online you are competing against thousand of other companies from around the world who are selling the same products or services that you are. In order to dominate your market and increase your ranking you want to incorporate local search engine optimization services so that your brand is boosted and noticed by your audience, ensuring you are the first company that they contact when they need a product or service that you supply.

In addition to this, your website traffic will increase. Think about it. When you are searching online, how many pages do your search? Most people only look at the first page and some will move onto the second or even the third page. This means in order to boost your website traffic and generate more clients visiting your site each day, you must be on that first page and this means having a service that you can rely on and trust.

The great benefit of local search engine optimization services is that you get to reach a wider audience, which means more people get to see and know your company name. You want your brand to be visible at all times and the more people you reach the higher your chances are of online success.

With local search engine optimization, one of the benefits is that if you introduce mobile friendly websites and searches your chances of success are increased even more. Speak to your local search engine optimization service provider and see if they can assist you with local SEO and mobile friendly services so that you re assured to reach your audience,e boost your brand and increase your website traffic accordingly now and moving forward.

Ensure you work with the best local search engine optimization company that you can trust and that will provide you with superior quality services and support.

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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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