Roberts Sam


Easily? – Opt For Private Money

Seasoned property investors recommend using private money when financing projects. And they’ve lots of causes of doing this. Here are a few details you should know about private money, that is known in real estate investing world as hard money.

Private money financing is well-liked by property investors since it is fast. Lenders be aware of emergency involved with real estate investment. They are fully aware your competition is difficult which if you want funding, you really need it fast. They do know this which is the way they operate. Despite greater risks, hard money lenders approve or reject loans in only days. They can extend credit to individuals who’ve a bad credit score scores. Their method of assessing applications permits them to release loans in only days.

Lenders in this sort of financing will hardly care just how much you get out of your office job, in situation you’ve one. Unlike banks, they don’t evaluate borrowers according to credit ratings or credit history. What lenders worry about may be the deal you intend to shut utilizing their money. In a nutshell, you have to convince a loan provider that the project may be worth funding and that you’ll be in a position to pay back them through this.

Let’s take rehabbing houses for example. In situation you’ll need private money financing for any rehabbing project, lenders will assess the property you need to rehab. They will settle if it can lead to positive returns. If you can to demonstrate that the intend to rehab that property will take you profits, the expect the borrowed funds to become approved. Now that’s fast money.

Hard money, unlike traditional loans, may also finance 100% of the rehabbing project. Which means you receive yo purchase a cheap property to rehab and do the repair one loan. You could do due to an unconventional method of computing how much cash you’re going to get from the loan provider.

Hard money lenders usually give between 60% and 70% from the after repair property’s value, also known as ARV. Normally, this is enough to shoulder both purchase and repairs. It certain cases, it may even answer settlement costs. If you visited traditional lenders, for instance a bank, you’ll probably have an amount sufficient to purchase the home you need to rehab. When it comes to repairs, you’ll have to obtain a personal loan for your or make use of your personal money.

Borrowing money from an authorised money lender singapore is faster than when you do from a bank. These lenders also have fewer restrictions in terms of citizenship or income. They can approve the loan and release cash within minutes.

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Debt Consolidation

All about finding the right best debt consolidation

The concept of debt consolidation has become hugely popular these days as there is plenty of interesting range of benefits and perks that it is known to come up with. It needs to be understood that bringing the debt payment under one roof would make the whole thing a lot easier to handle in different ways.

 Maybank Debt Consolidation Plan happens to be the best debt consolidation  plan of the lot as it functions in an absolutely professional and reliable manner of the lot. The best debt consolidation plan would definitely help one to come out of the problem in the best possible manner for one and all.

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Top 5 Facts About VA Loans – Benefits and Eligibility 2019

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More and more people want to get housing loans. But the option is endless. There is a type of loan guaranteed with the government and private sectors. Each loan has their requirements you need to comply. For VA loans, here are the following facts you need to know about VA Loans Arlington.

VA Loans Means Veterans Affairs Loan

For real estate beginners, a VA Loan is a type of mortgage loan guaranteed by the United States Department of Veterans Affairs. It is made possible with banks, savings, and loans or other mortgage companies. If you are an eligible veteran who wants to purchase a home, VA loan is perfect for you. This government guaranty protects the lender against in case a borrower fails to repay the loan.

Good Read: VA Loans – Frequently Asked Questions

It Doesn’t Require You to Pay for Mortgage Insurance

Unlike other mortgage loans, this type of loan is affordable because you don’t have to pay any insurance. PMI also is known as private mortgage insurance is used for a conventional loan. MIP or mortgage insurance premium, on the other hand, is for FHA loans or Federal Housing Administration loans. There is protection for the lender if you default your loan.

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It Has No Prepayment Penalty, and It’s Assumable

Did you know that this loan won’t restrict you to sell your home? If in the future you no longer want to own your house, you can sell it anytime you want. This benefit helps when you ant a new home to stay or want to move to a different state. You don’t have to pay for any prepayment penalty or early-exit fee. You can refinance your existing VA loan using the Interest Rate Reduction Refinance Loan (IRRRL) program. Which means you can switch to a non-VA loan any time.

No Hassle and It’s Easy to Qualify

Everyone wants a hassle-free and easy transaction. No one wants to deal with months of the home loan process. Well, VA loan is like other mortgage loans that demand specific documentation, credit history, and sufficient monthly income. But compared to others, VA loans are more flexible. Why? It is because of the VA loan guaranty. The Department of Veterans Affairs wants to make it easier for veterans to buy or refinance their homes.

It Has Low Closing Costs

If you’re eligible for a VA loan, you’re lucky to get a low closing cost. The Veterans Affairs limits the closing costs lenders can charge to its applicants. It means VA loan is more affordable than FHA and conventional loans. The money you saved from this transaction is great for moving costs, furniture, and home improvements.

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Am I eligible for VA financing?

VA home loans are available to veterans, active service members, and in some cases, surviving families. Assess this list and if one of the following is true, salutes you’re qualified for VA loan Arlington.

  • Did you serve 181 days of active duty during peacetime?
  • Did you serve 90 days of active duty during wartime?
  • Did you serve six years in the Reserves or National Guard?
  • Is your spouse killed in the line of duty and you’re not remarried?

If your answer is YES in one of the questions, your eligibility never expires. Want to know more about mortgage loans and VA Loan Arlington? Contact us.

Good Read: VA Home Loans

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How to become a successful currency trader

If something is very close to your heart, it will get more care from you. So, the control of that thing will also be very good. When your job will be something you like, the performance will be good there. The reason will be the same as being a hobby for you. If the mental effort is too much necessary for a job, this kind of condition is good for better performance. With proper concentration, you can make some good quality plans for the performance. From time to time, you do not get too much aggressive in the work. It will be like a loved one for you. When something very bad will happen and ruin your happiness, there will not be too much aggression. Instead, you will try to manage the work for more improved and efficient performance. In this article, we are going to talk about keeping the trading business in Forex like that. When a trader can handle the business properly like that (hobby), there will be proper executions. The aim of this article is all about making the novice traders concentrating on the effective trading approaches.

Focusing on long term goals

To make the trading process feel like a hobby, the traders will have to turn it into relaxing work. That will be done when you can think of long term trades. The long term trades will help the traders with the right management. Think of the trades bringing more profits to your account. That will definitely be acceptable to many traders. That is possible in this system. When you are working with something like swing trading, the pips will be larger. This is because long time trades are basically done for long trends. So, the novice traders can make some significant amount of profits from about a 0.01 or 0.02 standard lot. From there, you can definably bring about a $10 to $20 profit to the table.

Most importantly, the traders will be able to relax in the trading process. If your business is designed with long term trades, the market analysis will get more time. We have already talked about making more income from fewer risks. All in all, traders will be able to enjoy the business process.

Analyzing the market news

Professional investors in Singapore are very smart. They never execute any trade without knowing the fundamental factors of the global economy. CFD trading with Saxo is relatively easy since you will be able to find the latest news in their premium trading platform SaxoTraderGo. Never rely on the technical data since it gives you a partial picture of the market. Try to develop the skillset to analyze the fundamental variables so that you can easily ride the market trend.

Good trades will need proper risk management

Apart from the proper management of the risk, the traders will have to think about good management. And that will not be anything but the right risk management. It is done to control the investment. When it is done properly, there will not be too much of tensions for the traders. With some decent level of investment, the traders can still make big lots. It will need a proper margin trading process. Your only work will have to be a clever trader and spend less money on the uncertainty.

Proper attention to protection is needed for trading

Trading into Forex is like a building block game. You can think of Lego bricks. When one thing is done, the other work will have to follow. The proper protection to the trades will be something like that. This is another thing where the traders will be able to secure their trades for not losing too much money in the process. That kind of protection is obviously taken for hobbies.

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Why You Should Choose Switzerland for All Your Business Needs

For many entrepreneurs and business people, finding the next great location where they can invest their income can be one of the most exciting and motivating moments of their careers. However, choosing the right location for your investment can, sometimes, be a tricky decision to make. In this ever-globalising world, the possibilities have become endless, but there’s one place that has been a constant leader as far as financial success. Switzerland offers business owners and investors a unique opportunity to be part of one of the most enviable nations in the world. Here are some of the reasons why you should choose this beautiful country for your next investment as soon as possible.


Without a doubt, one of the biggest benefits of operating within Switzerland will be the unbelievable tax breaks that are granted to business owners and investors. This nation has one of the lowest tax requirements of any financially secure country in the world, making it an ideal location to open a new business venture. Swiss holding companies get off even better, being able to take advantage of a wide range of privileges unseen in other parts of the world. Give yourself the gift of a tax break you never thought possible by bringing your investment into this global financial centre today.

Small and Educated Population

Another serious benefit that business owners can find themselves quickly benefitting from when they work in Switzerland is the population itself. Because this country has such a small population, they are able to better educate and prepare their workforce as the top of the line candidates for almost every position. You’ll find yourself having to choose from a wide range of qualified and dedicated potential employees, the likes of which you’ve never seen before. By investing in this particular location, you can guarantee you’ll have a workforce filled with educated and well-prepared staff right from the very start.

Thriving Economy

If you’re looking for a secure location to start your next business venture, there’s no place more financially stable than Switzerland. This nation is a leader in economic success, living up to its reputation for excellence year after year. This kind of guarantee can be invaluable to business owners and entrepreneurs as they won’t have to worry about government issues or public economic catastrophes having a significant impact on their own success. When it comes to setting yourself up for a sure investment, you can’t get any safer than Switzerland.

When it comes to finding the perfect location for a business move, there are many factors that come into play. Taxes, economy, and even the local population all play a critical role in the success of your investment, and Switzerland happens to offer world-class answers to each, living up to its reputation as a global financial leader time and time again. Make sure you keep all these benefits in mind so that you can start building yourself a guaranteed profit as quickly as possible.

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1st Fidelity Reserve is all set to expand it’s NRA sponsorship

Many people would already be knowing about the pioneer of official bullion and real metals, i.e., 1st Fidelity Reserve. If you’re someone who loves to collect rare coins and metals or wishes to showcase it as a part of their royalty, then 1st Fidelity Reserve can be the ideal destination as now it’s all set to expand it’s NRA sponsorship. This will help this company in establishing itself as the leading sponsor of the NRA National Action Pistol Championship which is also commonly called as the NRA Bianchi Cup. This tournament will take place in Columbia from May 26-29, 2010. You can witness this company sponsoring the practical event and earlier it has also sponsored the NRA National Pistol Championships in 2009 at Camp Perry. This company is known for its knowledge of making an investment in the diverse form of collectible coins and people all across the nation trust it for its commendable services and offerings.

What is 1st Fidelity Reserve famous for?

1st Fidelity Reserve has been the leading provider of rare coins and bullions to numismatic professionals and collectors. This is a company based in Beaumont, Texas and is known internationally for investing in collectible coins. It has also emerged as the market leader in certified coins of United States. The company is also known for providing informative newsletters, publications and educational materials on the hobby of a coin collection. With exemplary services and great offerings, it has been leading the market of rare coins, and all their products come with hundred percent authentication and quality. This is done to ensure that whatever is been delivered to you is quality checked and hundred percent original without any adulteration or mixing of other metals that can degrade the quality of these precious coins.

NRA sponsorship will add marvels to the positive impression of 1st Fidelity Reserve

Their recent expansion to sponsor the NRA National Action Pistol Championship will not only be beneficial in creating a positive image of the company, but it will also fill the clients of the company with happiness regarding this decision. Mike Krei who is the director of NRA Bianchi Cup has expressed his happiness over this association and appreciated the support that 1st Fidelity Reserve has extended to make these events successful. This generous support will not only help in the brand reputation of this company but will also draw the attention of many more new clients. Every company tries to expand its horizon by doing community and public welfare activities and this decision of sponsorship taken by them will definitely benefit it in multiple ways.

The great sense of achievement which they have showcased by grabbing this sponsorship is inexpressible. All those who’ll be attending this championship will not only get to know more about this company, but it will also increase its outreach through the media coverage of this event. So are you excited for this tournament and the achievement? Let’s see how 1st Fidelity Reserve progresses ahead towards success in the coming years with new associations.

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Help guide to Small Company Loan Interest Rates

If you’re beginning your personal business and don’t have sufficient launch cash to do this, a small company loan can be quite helpful. However, once we consider trying to get loans we consider banks and banking institutions. It is a fact that loans obtained from these banks have seem legal formalities. But may these small company loan interest rates can be challenging to pay back. More often than not the beginner entrepreneur does not spend the money for once a month installments. This mainly is really because a company which has just began is not as likely so that you can generate sufficient revenue so that you can afford such high payment rates of these small company loan interest rates. Whenever a clients are not able to pay for the installments due on these financing options, it’ll leads to negative publicity of the organization on the market as well as personal bankruptcy in extraordinary instances. Also, borrowers finish up taking more loans to be able to repay these delinquent ones. This brings about a vicious circle of bad financial obligations.

Apart from our prime interest rates, the safety that’s sometimes required by regular banks is difficult to satisfy. Unless of course you have immense personal wealth you’ll be able to offer collateral that deserves securing the company loan. For the reason that situation trying to get the borrowed funds will not have been essential.

Small company loans are helpful for initial capital formation of the organization. Investments in physical space, infrastructure, stationery, wage payments, along with other rents will also be taken proper care of by these financing options. More often than not a brand new business doesn’t have enough market experience so that you can boast off sufficient success under its name. Therefore, when banks along with other banking institutions request profit returns and revenue details there’s very little these companies can develop. However, these lenders do base their selection of borrowers according to business history. However for small companies, this history is mainly very brief and lacking of great importance and glory.

In such instances, you will find the choice of approaching the unofficial lenders on the market. They’re just like Shakespeare’s Shylock, except most likely the pound of flesh repayment medium! But seriously, these moneylenders will often have reasonable interest levels and adjustable repayment plans. These financing options also most frequently do not require any collateral deposit or evidence of credit rating. You don’t have to demonstrate your worth by submitting your tax statements and strategic business plans. Apart from a couple of simple documentation procedures, these financing options tend to be more customer-friendly.

If you’re searching for small company loan interest rates which are the cheapest, watch out for the conditions and terms that include them simultaneously. Banks provide easy loans to small companies, but more often than not they’ve not reasonable “conditions apply”. These short-term loans may feature the lowest interest rates on these financing options, however the terms mounted on them prove much more of a liability towards the customer, which most frequently has a tendency to overshadow the advantages of the borrowed funds itself.

When you are given the wonderful option of taking the lowest interest rate personal loan Singapore, do you really want to go crazy about taking those loans that would demand you to pay installments without fail every month.

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What are the benefits of owning a cash-back credit card from Maybank?

Customers of Maybank across Singapore and Malaysia are highly obliged for receiving such an amazing product from the bank. People are always looking for credit cards offering special and attractive features. If you agree that, winning cash backs on each purchase is absolutely thrilling then Maybank’s cash back credit card promises you a minimum and unlimited 0.3% cash back on all purchases.

Known as one of the best cash back credit cards, customers enjoy the 8% cash back followed by 5% cash back on a purchase of $1000 and $500 respectively on groceries, daily supplies, transport etc. for more information visit

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Negotiation Guide For Car Loans In Australia

Buying cars in Australia get much easier when you know the means of financing the urge. There are banks, financial institutions, dealers and standalone private intermediaries to take care of the money part for the car but what matters the most here is being able to negotiate the deal not only with the dealer of the car but with your loan provider as well.

The first thing to do is to figure out the car that you want to get for yourself and the family by considering the needs it should fulfill of the respective users. The next task is to choose the color, find out the dealer and upgrade or downgrade the specs if required. The dealer of the car would not only be pitching you for the car as a whole but for extra warranties and even mats as well. So, if you are already tight on budget then it is recommended to stay within the limit of your would-be spending. Considering the need of scoring the flexible terms on car loans, below are given a few tips to help you in negotiating the prices with the dealers in Australia, such as:

Talk Over Final Price

You could often find the car dealer asking you to tell them about the monthly payments you could pay or how do you want the payments to be? Well, it’s a trap, do not fall for it. In fact, in order to score the best car loan rates Australia, you should score the best car price deal first. This would require you to talk to the dealer over the actual price of the car instead of the monthly payments or installments. The later would not do any good to you rather merely lure you into an abyss of nothingness.

Negotiate On The Loan Payment Terms

Another important factor to negotiate over other than the loan rates for a car in Australia is the terms of repayment or payback. Nowadays, dealers do not bring down the actual prices of the car rather gives cushion to the buyer by extending the repayment period. Many dealers have started providing a load for up to 7 years which is insane. Considering the fact the car is a depreciating asset, one should not exceed the repayment limit to more than 4 years or at max 5 years. Anything more than 5 years in the name of car loan repayment is going to cost you much more in terms of an opportunity cost.

No Extra Upgrades

The car loan negotiator from the financial intermediary’s end will try to sell you extra plans such as gap insurance, paint protection, car alarms or extended warranties at huge markups. It is not that these things are not useful but you can get the same things at much lower prices in the market. For instance, you can do the paint protection yourself in a few bucks, council credit institutions can provide you with better gap insurances and similarly, rust proofing is not required for modern cars nowadays. Hence, be very vigilant of these car loans Australia gimmicks.

Say No To High APRs

Another thing to consider here is one should never opt for a car loan which makes you pay higher APR. The interest rates are determined based on your credit rating, if the rating is good you would be offered single digit APR, if it is average then you might get an APR from 8 to 12 percent and if it is bad then it could go up to 15% as well. Bear in mind, never get the car loan in Australia at a higher interest rate, it is not worth paying an exorbitant amount in the name of interest for a car. Doing so will hit back at you in the long run.

Set Emotions Aside

Buying a car with auto financing is indeed a very emotional decision especially if it’s about buying a dream car. When you get the thrill of the test drive and whiff of that new car smell, it gets difficult to let go of the car under negotiation. But to score a good car loan rates Australia, it is an absolute necessity to keep your emotions aside. Prepare your mind to let go of your favorite car if the dealer is not willing to negotiate further or the discussion has come to a standstill. Your emotions should not trap you into a loan which will ask you to pay a higher APR in the future.

Once you reach the desired consensus over the car with the dealer then the next call is to strike a deal with the financial intermediary over the installments or the monthly payments. This part would become much easier once you would have negotiated over the aforementioned handy tips.

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5 Mistakes You Should Avoid While Doing Free Trading

Free trading has introduced a newer class of people to the stock market. The ease of investing and transfer of stocks have made it popular among the traders. More and more people are joining this bandwagon to try their luck in the stock market in the expectation of securing high rates of profit. There are many people who start free trading without any knowledge in the field and have unrealistic expectations of the market. They are easily demotivated by initial losses, and their lack of knowledge in the field leaves them prone to losses. There are also other factors which can cause losses to the Free trader. There has been a lot of criminal activities that have emerged due to the growing popularity of free trading and the number of first users of this facility. Notable scams have surfaced on the internet which includes spoofing and phishing sites that will actually appear to be a legitimate site but used primarily to trick persons into revealing their user ID and password which may be used to access and steal the money in your account. Click here to know more:

The 5 major mistakes that you should avoid while free trading which is explained below.

  1. Trading without any market knowledge

This is a major mistake that all newcomers do. Gain knowledge on the field of stock trading before actually researching on it. There are various ways in which you can actually experience stock market trading like Moneypot and Investopedia without actually investing money into it. These stock market trading simulators can be used to learn various strategies that you require to become a successful free trader.  You can also access various web seminars or attend classes that are meant for beginners in the stock market field to learn the tricks of the trade. One can also try their luck in forecasting and predicting the stock market from their homes by learning various tools that are available in the market.

  1. Think with your head and not with your heart

Another major rookie mistake that is seen commonly is that people are new to free trading buy with their hearts. They choose to prefer brands and companies that they have a connection with and invest heavily in them. This is the difference between an experienced and an amateur free trader. One should always know that there is no place for personal attachment or emotional attachment in trading. There are also people who develop an emotional attachment with stocks that they acquired and do not sell at the right time. This is also a mistake.

  1. Don’t stop investing when the market falls

There are people who stop investing when the market falls. This is a very bad move. There is a very high chance of getting better profits when investing in such stocks. One should always know that every stock goes up and down in value and there is nothing wrong about it.

  1. Don’t put all your eggs in the same basket

Stock trading should be done with spare cash that you don’t require anytime soon. It is not a fixed deposit that you can expect regular income from and so should be cautious while investing. Also, try to invest in a broader portfolio to reduce risk.

  1. The expectation of fast returns

Stocks have risk and uncertainty associated with them. There are many people who try their luck with stock trading to make a quick buck. In reality, the chances of this are unlikely, and the risks are too high. So, invest in stocks that have low or moderate risks associated with them.


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