Micro Loans – An Alternative For Personal Loans

Micro Loans – An Alternative For Personal Loans

Micro loans are a relatively new financial instrument and asset class, if you will, of their own. These are focused on both individuals and companies, and essentially provide them access to immediate loans with which they can use to invest however they see fit. But what they are, how do they work and how can they be effectively managed, to get the right benefit from personal financial management. What are micro loans and how do they work? Micro loans are loans that…

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The future of work

The future of work

There are people who receive retirement as a blessing, the opportunity to enjoy some free time that they did not have throughout their lives, while others take years to get accustomed to it, if ever at all. They get up at the same time as they did before, look for the company of former co-workers and spend the day telling anyone who wants to listen to what their past life was like without paying attention to the new life that…

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2016: The year that was good for car manufacturers

2016: The year that was good for car manufacturers

2016 has been a year in which many car manufacturers have managed to break records for car sales. The numbers are endless. Virtually all groups have grown in sales. No matter their origin or the group in which they are integrated. In addition, the sales growth has been worldwide: here in the US, Europe, and in Asia. That does not mean that all manufacturers have done just as well in all geographies. Some have grown more than others and in…

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How To Fix Your Credit (Part 2)

How To Fix Your Credit (Part 2)

Accurate Negative Information Report When the negative information recorded in your report is accurate, it will only be deleted in the course of time. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid monetary judgment issued against it may be reported for seven years or until the statute of limitations expires, whichever occurs later. The reporting period begins to run from the date on which the…

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How To Fix Your Credit Yourself

How To Fix Your Credit Yourself

Credit Repair: How to Help Yourself “Credit problems? No problem!” “We can permanently remove from your file of bankruptcies, judgments, liens and unpaid loans!” “We can erase your bad credit history – 100% guaranteed” “Create a new credit identity legally!” Do yourself a favor, and save some money. In fact, lawyers working at the Federal Trade Commission (FTC), the national consumer protection agency, say they have never seen a legitimate credit repair operation make such statements. The truth is that there…

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What You Need to Know About Dividends

What You Need to Know About Dividends

Public companies are faced with two critical choices: 1) Deliver a share of your profits each year to your shareholders. 2) Keep all profits and reinvest them into the business. Theoretically, if the company is able to obtain superior profitability by reinvesting the profits that would otherwise be paid out to shareholders, then it should not pay dividends. On average, companies obtain a higher valuation by reinvesting their profits. However, shareholders achieve greater returns in the long run by being paid dividends on…

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