The bills are piling up, you’re facing penalty charges, late fees, and high interest rates, and you’re not sure how much longer you can keep juggling all your payments. It may be a sign that you’re insolvent, meaning you don’t have the income or assets to pay back your unsecured debts. That opens up options such as bankruptcy or a consumer proposal.
The big thing that frightens people away from bankruptcy is the belief that they could lose everything they have. In fact, there are a number of assets that are protected.
These are some of the assets that are exempt... Read More
It is important to understand the choices one has when it comes to a loan. Applying for a business loan becomes essential when one wants to set up or grow one’s business and when one does not have enough means of self financing. A good way to opt for a loan in this regard is to try for a collateral free business loan. There are many who would argue that a secured loan is the best way to go- because as an asset is provided as a collateral- there are chances one can get approved for the loan at a lower interest. However, creditors can undervalue the asset to a considerable degree, which means... Read More
As a small business owner, you must have wondered about the solutions available to increase your capital and improve your business. You have considered about applying for a small business loan, but you probably were unsure because of all the related costs. We are here to help you. Learn here the most important aspects of a business loan and how to use a business loan calculator to understand the true costs.
It is good to know all the information about a loan, in order to not be surprised by the evolution of the markets and the interest rates. A fixed interest rate is the choice if... Read More
Gaining financial independence not only means earning a handsome income every month, but also means putting your money to good use. Saving a decent amount every month and investing smartly is the key to financial freedom. However, creating an investment folio does not only mean choosing available options such as mutual funds, Fixed Deposits or PPF.
It also involves calculation that will help you assess your risk appetite, your life goals and your financial capacity for investment. So, take a closer look at how you can treat your money well with a mix of long-term and short-term investment... Read More
In times of financial troubles, people are looking for the fastest and simplest way to resolve them. Quite often if you are in need of urgent cash to solve an unexpected problem such as overdue utility bill or mortgage payment or unforeseen medical expenses, the more traditional loan lenders are not an option. In such cases, the auto title loan can be one of the best solutions you can find. Here is all you need to know about auto title loans and how they can help you in case you need emergency financing.Auto title loan overview
auto title loan is a usually a short-term loan for... Read More
If you want to fix up your house and make a solid financial investment, you should replace your windows and entrance doors with energy-efficient versions.
When you upgrade your windows and doors youare guaranteed to conserve energy on cooling or heating the property, shrinking your hydro bills the moment after they are installed. The improvements will stop your air conditioning or heating from seeping through gaps around frames, and they will guard against unwanted drafts trying to force their way inside.
The upgrades make the home’s building envelope tighter... Read More
As an adult, it must be your dream to own a house of your own. But purchasing a home requires a lot of planning and investment. The solution to investment is a home loan.
You can cover the purchase price of a house with a good housing loan policy. However, you have to pay a hefty amount of interest on a housing loan. With different schemes and policies, now there are different ways to reduce this interest burden on your pocket.
Here are a few ways through which you can reduce the home loan rates effectively:Higher Down-payment
Banks generally sanctions 80% of... Read More
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