• May 18, 2018 /  Banking & Money

    Finding active hard money lenders may require some research, because they’re not nearly as obvious or numerous as conventional lenders. Many only lend money in their immediate geographic areas in order to be able personally visit properties before making loans. Check with mortgage brokers, because they often represent some hard money lenders. You can also find hard money loans through newspaper ads and on the Internet; but always verify lender credentials beforehand, as you should before working with any kind of professional mortgage lender. You’ve decided to get into rehabbing properties. A hard money loans seem to be your best option to fund these ventures. Here are a few ideas and questions to ask designed to help aid your search for a reputable hard money lender, broker, or referring source:

    1. Hard Lender Experiences: Ask how long they’ve been in business. How many successful deals have they made? How many collective years of experience do all key people at the company have? Look for a hard money lender that has “direct hard loans lender” in their advertising. It’s a good sign.

    2. Industry Connections: How many hard money lenders and investors does this company work with? Go with one who has several funding sources (Hedge funds, Mortgage pools, Private Equity Groups, etc.). The more connections they have to direct hard money lenders with ready cash, the faster – and better they’ll get the job done.

    3. The Commercial Real Estate Market: How is the market in your area? The better the market’s doing, the lower your hard loan interest rates may be. If the market is slow you may end up paying much higher interest rate. Make sure you know the market in your area.

    4. Brokers: The Company or referring source that helps you with your search for your hard money loan will have a lot of influence. Make sure they are competent. How? Ask someone who has dealt with hard loans before. Ask your lawyer. Do as much research as you think you’ll need. Hard money brokers will help you shop many investors and lenders to find a loan that works for you.

    5. Direct Money Lender: Some hard wholesalers or direct lenders can fund your loan directly. Direct money lenders are a more direct way to get your loan underwritten and eliminate the use of a broker or referring source but, may have to start the application process all over again if you started with a broker. Either way, make sure you are working with a reputable company who has a proven record of success with hard lending.

  • May 18, 2018 /  Banking & Money

    New ???GTA Online??? infinite money glitch found after ???GTA 5??? 1.08 update – National Video Game

    Rockstar Games released a whole new patch for Grand Theft Auto 5 the other day which addressed some of the money and car duplication exploits seen gta online new money glitch in GTA Online. According to an investigation by CinemaBlend from Feb. 17, apparently GTA 5 patch 1.10 didn’t remove every one of the exploits from GTA Online as players are finding just one more car duplication and money glitch in GTA Online.

    For these cheats, it is possible to enter the string of commands directly from gameplay, and you will use the directional pad when the code contains a directional command, to make sure you input it accurately. In fact, it’s recommended that you slide your fingers from D-pad command to another location, to make sure they’re together in a very smooth flow. You must enter in the code quickly, also, to make certain the overall game recognizes it as a code and never a coincidental list of button presses. If you might be having problems getting a code to work, just check it and ensure you might be entering it correctly. It will work. Keep in mind that cheats tend not to carry across gameplay sessions, when you quit your game and commence playing again, you will need to re-type in the codes to ensure that they’re active.

    Down, Up, Up, Up, X, R2, R1, L2, L2 : Pedestrian Attack (can not be switched off). Rockstar Games released patch notes for GTA 5 patch 1. Rockstar Games provided a quick change join relation to its the recently-released 1. Without attacking him or defending yourself, discuss what are the problem really is. Implimintation of the cheats below help keep hair on your head, and you against becoming frustrated.

    If you have been playing GTA Online and received a lot of GTA$, but didn’t perform in any game manipulation, Rockstar has disclosed those players are not punished. However, whenever they choose to, any gifted money is easy to remove from your account by submitting a request to Rockstar Support. Find the company’s full comment below:

    gta 5 online money cheats includes a substantial purpose in Us Tradition. Some people is frequently seen participating in routines related to gta 5 online money hack ps3. It is partly simply because males and females on most age ranges might be concerned in addition to individuals are generally added jointly by simply that. Commonly anyone whom shows his or her detest with regard to gta 5 online money hack ps4 might be regarded as an incredible outcast.

  • May 12, 2018 /  Banking & Money

    Binary options trading is becoming popular day by day. The reason of this almost insane progress is its simplicity, but this is not the only benefit of this service, it is very profitable. This kind of platform does not demand a particular knowledge and advanced skills. Binary trading is a perfect way to earn money for example for a student who is studying relevant spheres, a good way to earn in a short period of time for a housewife with enough spare time to keep updated with the latest news and overall for everyone who is seeking for smart solutions to earn money without working too much. The simplicity of course does not mean that risk is not included. Not to gamble on binary options platform is a first advise for those who wants to make money in a short period of time, but lacks patience. You do not have reason to be depended on luck, you can just spend some time learning and reduce risks. Managing possible loses is one of the binary trading benefits. If you have decided to increase income by trading make a plan. Put aim yourself and make your plan work. The first of all you have to choose the best binary broker. It must have easy and friendly software, modern and up to date banking services and good customer support centre. Broker usually offers more than 200 various assets including: foreign exchange, (Forex) indices, stocks and commodities. Firstly it is recommended to choose an asset which is the most familiar to you. This will help to get all the ins and outs of trading during the short period of time. Then systematically diversify portfolio just in case to increase your income and of course gain your knowledge and experience. What will you ever have to do while trading binary options are predicting whether the price of the current asset will go up or down, then according to your suggestion click -call- if it’s considered to go up, if you think price makes movement down, consequently click -put-, choose expiration time and this it. That is the technical task you will ever have to perform while binary trading. Choosing a strategy is another level, you have to choose the one that perfectly match the underlying asset you are planning to trade with. The combination of the familiar asset, strategy, options and the time frame when the asset is the most active is a huge step forward to success. The other important thing is the breaking news, you always have to be updated with the latest world news as they have a strong influence over the financial markets. Fundamental and technical analysis will save you time and give you a lot of information about previous price movements.

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  • May 11, 2018 /  Banking & Money

    Once a homeowner is behind on their mortgage payment, they can expect a lot of harassing calls from their bank. Unfortunately, that isnt the worst of it.

    The difficult part for the homeowner is that once you get more than 30 days late the bank requires full payment of all monies in arrears. So lets say a person hasnt made a payment for a couple of months and you manage to scrape together the 2 months mortgage payments of $4,000 and you call your bank to let them know the good news. But what you hear is the bank saying “Hey you know that $2,000 monthly mortgage and you know how you owe us 2 months worth of payments, right? Well you actually owe us $4,500 because youre two payments late and were not going to accept anything less than full payment on all monies that are past due. Oh, and by the way there are some penalties and fees and things were going to add onto that, so thats why you need to send us $4,500 to get back in our good graces. If you dont send us this amount, were going to go forward with foreclosure proceedings and take your home from you.”

    And rightly so, that freaks people out. Most families typically cant come up with two or three or four times their monthly payment in one lump sum. If they try to send monies in that are anything less than that full lump sum amount, the bank will usually, quite literally, send the person the check back. If the person says, “Hey all I can do is come up with one month payment. Ill send you the $2,000 plus fees, so Im going to send you $2,400.” and they send in the check and the bank is more than likely not going to cash it and they will send it back to the homeowner.

    With the banks refusing to take partial payments the bank will then often proceed into the next stage of the foreclosure process. Typically after 3 or 4 months that have gone by without a payment, the bank at that point is going to legally file against the homeowner and submit a legal document to the homeowners county recorders office. The document is what is called a Notice of Default (NOD). This takes the homeowner one big step closer to losing their home.

  • May 8, 2018 /  Banking & Money

    Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

    BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

    In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

    1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

    2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

    3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

    4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

    5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

    When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

  • May 6, 2018 /  Banking & Money

    In India, there are basically two types of banks-public and private. It is true that public banks come with their own share of merits. For instance, there are higher openings in public banks and the job is much more secure. The process of recruitment is also simple and not much challenging. Plus, it certainly gives the backward community a chance to gain recognition and status. However, private banking jobs come with their own set of advantages. More and more people these days are looking for jobs in a private bank. This is truer for the urban class and the educated community who are showing preference to jobs in private sector over jobs in public sector.

    Here are some of the basic advantages that a private bank offers:
    Better salary: The modern man is running after money. And its an undeniable fact that a private bank offers its employees a much better salary than a public bank. This is the chief reason why more and more people are hunting for jobs in private banks. In contrast, even though public banks give higher security, the salary is much lower. On the downside, there are very few vacancies in private banks. So, once you get a chance to sit for an exam or appear for an interview, you need to grab the opportunity with both hands and make sure that you are thoroughly prepared. Remember that more than your qualification, it is your confidence level and personality that matters.

    Higher growth prospect: One of the chief complaints of people working in public banks is that they do not climb the ladder very fast. The growth prospect in a public bank is comparatively lower. On the other hand, in a private bank, a talented candidate can quickly make higher progress. Talent surely gets rewarded when you are working in a private bank. Higher wages and better positions await you there.

    Fair treatment to all: Private banking jobs also do not suffer from the problem of quota system. Fair treatment and equal opportunity are proffered to every candidate. Thus, talent scores over caste distinction and this is where better candidates do not have to return disappointed.

  • May 6, 2018 /  Banking & Money

    There’s an abundance of money-making opportunities on the internet. My Money Fish is the latest opportunity causing an online storm. The program was developed by Matthew Getty. If you haven’t joined yet, you’re probably wondering if it’s a scam or legit. I have been a member since late December and I feel I have to give a critical ,but unbiased review of My Money Fish.

    The products:

    For your monthly $9-95 fee, you have access to over 3000 products. These include Ebooks, videos and software. You get the right to sell them on your own website or blog. Just install a PayPal button. These products are excellent and in demand. The authors/creators are wellknown business leaders and thought-leaders. You will have access to the greatest minds of all time. You will have the keys to your own goldmine.

    The compensation plan:

    Members are expected to recruit at least 5 members. If you manage to recruit only 2 members, the forced matrix will place additional members on your downline. The forced matrix appeals to the lazy side of human nature. The site spillover is coming from the aggressive marketers who already filled their matrix. In time it’s very possible to earn $11110 per month. This is recurring residual income.

    Likes:

    I love the products, compensation plan and support. Matthew and his team are quick to respond to your emails. They always inform you of the latests developments.

    Dislikes:

    During December the site experienced a lot of downtime. This could be attributed to the changing of servers. My Money Fish were the victims of an unethical hosting service. Somebody sent one spam complaint to the owners of the hosting service. They decided to pull the plug, thereby forcing My Money Fish to find another server abroad.The site was offline for almost 5 days, making the recruiting of new members impossible. Since they have been using the new server, the site never experienced anymore downtime. Due to these problems the launch was scheduled for 1 February 2010.

    Conclusion:

    The launch did happen on the scheduled date. If it was a scam the website would not have come back online. Unethical entrepeneurs have the tendency to run away with all the accumulated money. Matthew Getty did not run away with our money. He is still in business and My Money Fish is growing at an unprecedented pace. Do yourself a favor, become part of this honest opportunity today. It will change your financial destiny forever. Give your family the life they deserve.

  • May 5, 2018 /  Banking & Money

    PNC rates on mortgages are one of the few that did not increase when many of the other financial institutions have already done so.

    For a $250,000 loan in the Philadelphia area, the rates are as follows. The 30 year fixed interest rate at 5.50{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.875{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} with APRs of 5.626{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.842{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, respectively. The 20 year fixed interest rate is at 5.625{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 6.125{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} with APRs of 5.828{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 6.098{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 15 year fixed is at 4.875{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.125{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} with APRs of 5.082{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.258{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 10 year fixed interest rates are 4.750{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.125{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} with APRs of 5.045{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} to 5.232{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}.

    The current bank rates on CDs include a tiered format. The top tier is for those with Performance Select checking accounts, followed by Premium Plan, then the Standard CD rates. The promotional 9 month CD is earning an APY of 0.45{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.42{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} and 0.40{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, respectively. This has a minimum deposit of $1,000.

    The 3 month CD is earning an APY of 0.15{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.15{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c} and 0.15{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, respectively. The 6 month CD is earning an APY of 0.25{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.20{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 0.20{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 1 year CD is earning an APY of 0.50{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.45{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 0.45{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 18 month CD is earning an APY of 0.55{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.50{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 0.50{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}.

    The 2 year CD is earning an APY of 0.50{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.45{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 0.45{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 3 year CD is earning an APY of 0.70{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 0.65{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 0.65{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 4 year CD is earning an APY of 1.05{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 1.00{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 1.00{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}.The 5 year CD is earning an APY of 1.25{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 1.20{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 1.20{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 7 year CD is earning an APY of 1.75{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 1.70{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 1.70{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}. The 10 year CD is earning an APY of 2.00{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, 1.95{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}, and 1.95{97d7b09b4c5ca7df148cfec2d9ffc16c846b547c54009c0fb04b068da127cf4c}.

    The minimum deposit for these PNC rates is $1,000, and the rates were posted on February 9, 2011, but are subject to change without notice.

    We strive to bring you the latest and most accurate data possible from the home sites of the financial institutions we name. Always remember, the bigger the risk, the larger the reward or loss. Invest with caution.

    For additional resources involving financial help, please view PNC Online Banking, best bank savings rates, Westpac Online Banking and Online Banks at

  • May 4, 2018 /  Banking & Money

    The concept of cord blood banking can be considered a boon to mankind. Placenta and umbilical cord that used to be discarded by doctors after delivery has now become a lifesaver. These organs are said to have a lot of potential and the cord blood stem cells collected from them can treat several pediatric disorders.

    Disorders that can be cured with cord blood:

    There are several disorders that can be cured if you decide to get your baby’s cord blood stem cells stored after delivery. Some of them include: Multiple Sclerosis Stroke Cerebral Palsy Spinal Cord Injury Beta – Thalassemia Cardiac Diseases Diabetes Parkinson’s Disease Renal Cell Carcinoma Acute/ Chronic Leukemia Plasma Cell disorders Alzheimer’s disease Renal Cell Carcinoma

    Procedure of cord blood banking:

    Baby or the mother will not experience any pain during the collection of cord blood. The procedure is safe and it just requires few minutes. Once the baby is born and the umbilical cord is clamped and cut, cord blood is collected immediately. A special bag is used for storage.

    What are the benefits of cord blood banking?

    There is no doubt that the process of banking the cord blood is expensive but if you look at it as an insurance of investment for your child’s future, the cost won’t matter. There are many children all over the world who suffer from lymphoma, leukemia, thalassemia, sickle cell diseases and other disorders that can be treated with cord blood transplant. All these kids can be cured if cord blood stem cells were stored during their birth.

    How expensive is cord blood banking:

    There are many families that cannot afford to pay for banking cord blood stem cells. Private banking is high in rates since the storage procedure is complex. Cost is one of the main concerns that stops many families from benefiting from cord blood banking. A lot depends on the type of cord blood bank you have chosen. For instance, StemOne is one of the leading cord blood banks in India that has been successful in offering this service to many families since 2005. You can contact the bank for their rates and more information about their services.

    So, if you really want to make sure that your child’s health is secure after his birth, take the pain of finding more information on cord blood banking.

    Author Bio: Indrajit Roy is the business development head of StemOne, India. He has a bachelors degree in molecular biology and been actively involved in this field for several years. He likes to share ideas and recent developments in the field of stem cell treatment and cord blood banking through writing.

  • May 1, 2018 /  Banking & Money

    Having a credit card is a great thing indeed, although most are hard to obtain for those who have a less than perfect credit history. The restrictions for getting most credit cards are so tough that those who have bad credit may find it nearly impossible to get a credit card, or they find themselves hit with extremely high APR rates, and find it hard to compete with the interest.

    For those who have less than perfect credit or no bank account, there is hope. There are credit cards known as no bank account cards, that can help those with bad credit. These types of credit cards are quite easy to obtain, and they can actually help you to get your credit back and track and live the life youve always dreamed of.

    Credit cards of this type are pre-loaded, meaning that the credit limit you have it what you load onto the card, by pre payment. If you want to control your spending and know how much you have, this credit card is what you need. They are also great for those who want to learn about managing money as well. Another great thing about these cards is the fact that they will give you power and convenience of a credit card – yet they will allow you to live within the means of your income as well.

    Before you rush and get one of these credit cards, you should first look around and find the best deal possible. Most no bank account credit cards offer you same rewards and incentives of traditional credit cards, along with online access to your account. The best cards are accepted across the world, and offer you ATM access for instant cash. If a card doesnt offer you these types of features, you should pass it by and look for one that does.

    Other things to look for with no bank account credit cards include low APR rates, no annual fees, and excellent customer support. Customer support is very important with these types of credit cards, as you dont want a card that doesnt offer you great customer support. If you encounter a problem, you want a company that is going to be there when it matters the most.

    If you take your time and research no bank account credit cards, youll find one that you cant refuse. There are many to choose from, especially if you look online. You should always compare features and rates, and look for companies that offer you cards with excellent features and low rates. This way, you can get everything you love from traditional credit cards – without having to worry about your credit or needing to have a bank account.

    You can find the best choice of credit cards and pre-paid cards at www.CreditCards.us ()