Browse Month

February 2020

Accident Health Insurance

Through the Finance Department at Dave Smith’s Motors, we offer fully secured loans to protect you, your family, and one of your most valuable assets – your credit rating.

And through no fault of your own, your credit can be ruined due to an accident or illness.

A common cause of repossession in the US is an illness in the family.

  • Expenses normally go up with a disability
  • Income usually goes down with a disability
  • Hospitalization insurance seldom pays 100% of the expenses while you are sick or injured
  • Hospitalization insurance does not pay your loan payments while you are sick or injured
  • Workman’s Compensation only covers work-related injuries

When you purchase an Accident Health Insurance Policy…

In the event that you would become sick or injured, a fully-secured loan that includes accident health insurance means:

  • Your loan payment is made for you while you are unable to work due to any covered accident or illness
  • You do not have to be hospitalized to collect
  • Payments made on your behalf do not have to be repaid
  • Your policy becomes effective on the date of your loan
  • The cost is not rated according to age or occupation
  • There is no lump sum cash outlay. The premium is included in your monthly payment
  • Benefits are tailored to the amount financed. You are not paying for more insurance than you need.
  • There are no limits on the number of times that you can collect
  • Benefits are in addition to any other protection you may have.

Credit Life and Accident-Health Insurance endorses the philosophy that “no debt should outlive the debtor”.

Advantages to Leasing A Car

As the cost of vehicles continues to escalate, we here at Finance-Auto have found a way to give you the monthly payment you desire and still drive the new vehicle of your choice. Lease it!

Advantages to Leasing

Lower Monthly Payments and Low Down Payment.

Payments on a lease are less expensive than financing because you are only paying for the depreciation, which is the difference between the price of the vehicle and the residual value.

  • Upside Down

Never have to worry about being upside down where the value of the vehicle is less than the amount owed.
Always have a payment

For most people, a car payment is like a house payment. You will always have one so why not be driving a new vehicle of your choice every 2-4 years

  • Asset sense

You should buy items that appreciate and lease items that depreciate. For example, most people would not be too excited about buying stock for $30,000 if thew knew that it would only be worth $15,000 in 4 years.

  • Low Risk

A bank or lease company is assuming the total risk of what the vehicle will be worth in the future

  • Flexibility

You do not give up the option of owning the vehicle, you just postpone it. This gives you time to make sure this is the vehicle for you. This makes great sense with advances in technology that have the potential to make your vehicle outdated

  • High Mileage

Drivers can benefit by applying for extra miles up front at a reduced price. The auto industry deducts 23 – 30 cents per mile over your mileage limit when trading in a leased vehicle

  • Win! Win!

In many instances, the residual value is comfortably high resulting in lower monthly payments. At the end of the lease, the lease company absorbs the loss

  • Warranty

The short-term lease leaves you covered under your factory warranty, allowing you to be worry-free about unexpected repair bills
Get a nicer vehicle

High residuals allow you to lease a $5,000 – $10,000 more expensive vehicle for about the same payment as financing

  • Tax Savings

In states with sales tax, you only pay tax on your monthly payment, not on the whole vehicle. And in some cases, the entire lease payment may be tax deductible. Consult your accountant for more information

Your Options at the end of your lease

  • Return it to the bank and pay only a small disposition fee
  • Sell the vehicle and keep any amount over the residual
  • Trade it in on a new vehicle
  • Buy the vehicle for the residual amount

Lease Terminology

  • Cap Cost
    the purchase price of the vehicle plus the acquisition fee
  • Acquisition Fee
    a fee charged by the lender for doing the lease
  • Cap Cost Reductions
    any trade equity, case or rebates used as a down payment to reduce the cost of the vehicle
  • Residual
    a predetermined estimate of the market value of a vehicle at the end of the lease term

What Does Mortgaging Means?

A mortgage in very simplified term refers to a document that’s signed by the borrower when a home loan is made which gives the lender a right to take possession of the property if the borrower fails to pay off the loan.

“Mortgaging Tips”

Don’t take the first mortgage you’re offered.

There are big differences in the deals you can get amounting to many thousands of pounds. So make sure you’ve made comparisons with others.

There are ways to cut costs and still get quality cover and quality medical care, though. Here are a few suggestions for getting quality health insurance for you and your family on a budget.

Shop around There’s a lot of competition between the mortgage providers. Like supermarkets they’ll use techniques like offering “loss leaders” to lure more customers (Their pay off is that later on you’re not likely to go elsewhere because of “consumer inertia” – which we’ve all got black belts in when it comes to financial products). Look for a mortgage lender who is offering a “loss leader”. Provided there’s no overhanging lock in you could shop around for another good deal at the end of it and save thousands. In other words buy with a view to get a new mortgage deal every 2 years or so.

Beware Redemption Penalties

When you take out a mortgage you have an agreement with the lender. This covers the amount you repay and is set for a particular period. For example you may have a mortgage for a three year fixed interest rate of 5%.

If you want to get out of this deal before the three years is up you’d probably have to pay a redemption penalty. This is a charge which supposedly compensates the mortgage lender for the time and expense of your leaving. Some lenders may try to hide the redemption penalties in the small print. Simply ask your prospective lender what the exit / redemption penalties are. If you’re not sure what they mean ask them to spell it out. If you still don’t understand you can take it that there’s something they might be trying to hide so walk away.

And “Overhanging lock-ins” This is a penalty for leaving a lender AFTER a special deal interest rate has come to an end (i.e. not DURING the agreed timescale of the deal).

So, using the same example as above, if you got a mortgage with a three year fixed interest rate of 5% the mortgage lender could charge you a penalty if you left after the three years was up, say in year four.

READ ENOUGH? JUST WANT A QUOTE?

To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It’s free, completely confidential and there’s no obligation at all. Simply fill out the form below.

Home Equity Loans UK

Becoming familiar with the way home equity loans, Refinance or a Line of Credit work.

  • Home Equity Debt ?
  • Refinance ?
  • Line of Credit ?

Basically in today’s world every one needs to be well secured. That’s what FLH (Finance Lead House) provides to you.

Once you put your home on equity, then it makes good sense to your home to work for you. Technically, home equity has a zero rate of return and is not liquid. Home equity management is the process of using equity extraction via loans, at favorable and often tax-favored interest rates, to invest otherwise idle value in a higher yield (after tax), liquid, safe, way to create an arbitrage. Arbitrage is in essence borrowing money at one rate and earning a higher rate elsewhere.

Home Equity is frequently used as a form of collateral to obtain low interest loans. And home equity loan. Interest paid on such loans can be tax deductible in the United kingdom.

Now don’t wait anymore to add more space to your Home, get the Bungalow renovate or make your home at a good side to give it an improved shape the way you ever wanted to have and get it all done for good with the help of low APR Home Improvement Loans UK. This increases your home property value/worth and will be giving you more equity to work with – as soon as you build it. Many home equity plans set a fixed period during which you can borrow money, such as 10 years. But FLH gives you a facility of flexible loan payment. There are also several ways to repay a home equity loan.

The most common option is to make regular payments toward both the interest and the principal.

Home equity loans are often used to consolidate other debt with high interest rates, purchase other costly items etc. Finance Lead House is a leading expert across the world in providing financial services to families.

With any investment you make, it is always necessary to get the lowest interest rate that you can on your home equity loan. And when you decide about applying for a Loan Plan that could serve your need, your basic Question would be…

QUESTION: How much can I borrow from FLH ( Finance Lead House)?
ANSWER: You can borrow from FLH £ 5000 to £ 100,000 from our panel.

QUESTION: What is an APR?
ANSWER: It means Annual Percentage Rate.

QUESTION: What is the common repayment time Finance Lead House allows?
ANSWER: For your ease and to make it an all the more convincing for you when it comes to repayment, we offer you a TYPICAL 6.9% APR WITH A REPAYMENT TIME PERIOD STARTING FROM 1 YEAR -TO- 25 YEARS.

It shows the amount to be paid inclusive of all the charges. Benefits of having a home equity loan from FLH are:

  1. Fixed interest rate
  2. Flexible payments
  3. Can borrow £250 to £10000
  4. Can pay out your loan within days
  5. Annual per rate of 6.9% available
  6. Borrow a min. amt of £ 250.

You don’t have to think much about taking up the loan. It doesn’t matter whether you are having small or big changes in your mind. Once you started up taking up the loan you will automatically find out the benefits of FLH. Finance lead house is having various facilities which facilitates according to the borrower’s income. For moderate income group we are having longer period payable loans. Any of you can apply. For further benefits apply FLH as soon as possible.

Business Moves To Internet!

In the modern environment, a business can’t hope to turn a profit without extensive use of the Internet. Modern telecommunications and e-business permit any company to sell almost anything to almost anyone, with all exchanges, orders and information being transferred electronically.

Already many major businesses have shifted to doing much of their buying and selling online, and electronic sales are the only part of the economy that has grown during the current recession. But the Internet is not merely the playground of big business. Many small businesses and persons working from home also make money via the power of the Internet. Supply chain services are another way of keeping ahead in the business industry.

The global reach of the web means that anyone with an Internet connection becomes a customer. Thanks to advances in the way money is transferred and items are shipped across state and national borders, it is becoming increasingly common for small companies to compete on the Internet by offering up their goods and services to as many people as possible. Small mom-and-pop stores can advertise and sell to anyone inside the United States, and often outside as well.

Companies who sell software can install automated delivery systems to enable their products to be purchased and downloaded by anyone, anywhere in the world, leaving the company to sit back and collect the money as they focus on advertising. Even small operations such as pawn shops and thrift stores can advertise their products and sell extra inventory online, and local restaurants can draw in customers while offering them special coupons.

On the Internet, as in more traditional realms of sale and advertisement, it is often necessary to protect one’s brand, especially when competing with larger companies. The best way for small companies who are new to the Internet to compete is for them to offer superior customer service.

Unfortunately, once a company becomes known for customer service, it is not unusual for imitators and thieves to purchase up similar domain names in order to dupe customers into going to the wrong website. Therefore any one purchasing domain names to take advantage of the Internet should also purchase up common typos similar to the domain they want most to have several business domain names.