Month: September 2015

How To Find The Best Arlington Financial Services And Advisors

Posted by admin on September 24, 2015

Financial
services providers are those professionals who offer financial advice
addressing a client’s needs. With the ever increasing complexity and
demands of modern life in the Arlington, Virginia, area many people in
Arlington now seek professional guidance in order to create and secure
the future they desire. Because it is a broad industry, you will find
many financial services providers who are ready to help you. However,
finding the correct one ,the best one for you can be a challenging, even
intimidating task unless you go about your search in a logical way.
Today you will find a large number of sources you can use to locate and
screen Arlington financial advisors and find the best one for you. Let’s
have a look at some of the best sources that could help you find
Arlington financial services providers quickly and easily.

Browse Web Directories

Web
directories are one of the best sources. Online directories list many
firms segmented under different headings. You have the option of finding
various local Arlington financial services providers by searching
through categories pertaining to the types of financial services you
need. In such directories, finding the right financial services
providers is much easier because they are listed in a systematic order
followed by popular listings and featured listings. A good feature is
that they directly link to the sites of financial services providers so
that you can gather detailed information directly from the financial
services provider’s website.

Client Referrals and Testimonials

The best recommendations are referrals from people you know who have used a financial services advisor and liked him or her.

Another
way to find a good Arlington financial services advisor is to read
client testimonials. These are written by people describing their
firsthand experience with a specific financial advisor, thereby helping
you to make an informed decision. Testimonials often give you insight as
to a financial advisor’s services, rates, fees, experience,
performance, and other important factors. Testimonials will be found in
the financial services advisor’s website.

Social Networking Sites

There
are many social networking platforms where financial services providers
promote their business or services. Joining and participating in one or
more of these sites can help you find the right financial advisor for
your needs. Many of these networking sites feature options, like
communities or groups that can be a good source of information, reviews,
and referrals for financial services providers.

Business Listings and Reviews in search engines

Arlington
financial services advisors can be found by searching Google, Yahoo!,
and Bing. Caution: The top listings in search results don’t necessarily
indicate the quality of services and advice you may receive from that
business. Top placement in search results simply means the firm has done
a better job of SEO (Search Engine Optimization) than their
competitors. Use testimonials in their site and reviews posted at
various places online to help make your decision. To find reviews
online, go to any major search engine and enter “reviews for ——-”
and include the full name of the financial services provider’s firm you
are interested in. Search results will show you where their reviews are
currently posted.

Conclusion

These are a few proven tips
that will help you locate and decide on the best Arlington financial
services advisor for your personal needs. One last tip…Don’t select
your financial services advisor based on just email communication. Pick
up the phone and talk directly with the advisor who will be handling
your account. You need to feel good about that person, your financial
advisor, and that impression can only be obtained in-person, or
listening to their voice over the phone. It is almost impossible to
assess that very personal aspect through written communication only.
It’s your financial future. You need to have a good feeling about the
person you entrust that future to.

Debt Management Leads – Need of The Hour Seek The Help of a Pro!

Posted by admin on September 17, 2015

One inevitable factor is the changing market scenario. This means,
one should be prepared to ride the financial rollercoaster, not to miss
the rising inflation. The increasing inflation coupled with higher debts
leads to a financial crisis, one that many people in the UK face. Based
on statistical report from 2010, nearly 58% of the people in UK who are
in dire need to minimise or close their debts, turn to their friends or
relatives for help. However, today more and more people are seeking
professional help thereby leading to a rise in debt management companies
across the country. Two years ago, Mintel estimated the total number of
debt management plans to be somewhere around 600,000 with around 9
billion funds under management. This clearly states that market is
growing rapidly bringing us face to face with yet another challenge;
albeit a different one.

As mentioned above, many people still resort to
informal sources for help. Convincing the lot to turn to a Debt
Management Company for alleviating the crisis is the challenge. Mass or
bulk mailers will not help. So what will? ‘Qualified ‘debt management
leads’ is the answer! PPI reclaim leads or debt management leads that
have been verified and screened will help debt control companies reach
their prospects with more ease and efficiency. On the other hand, people
who are willing to seek professional advice will have help knocking at
their door instead of the other way round. This connection is best
established by a professional PPI reclaim leads provider.


Typically, debt management leads are generated involving tried and
tested multi-tier process that ensures a high conversion rate. Let us
take for example PPI reclaim leads. Data are collected with the help of
surveys conducted by a team of trained executives who pose some basic
question that qualify the lead.


“Do you have a minimum loan amount of 5000 taken in the last 6 years on
which you have payment protection insurance? If answer is Yes;”Do you
wish to be contacted by a debt control company?

If the answer to
both the questions is YES, they further collect the lead’s personal
information like name, address & telephone Number. The leads are
further audited for quality in terms of accuracy and completeness of
data. Some providers also include bespoke questions like “Do you possess
unsecured debts in the range of 5,000 and 15,000 liable to 2 or more
companies and are seeking professional help?” This helps to focus on a
specific target group. For more information on home insurance renewal
data or PPI reclaim leads please visit http://www.silverbirdmarketing.com.

An Introduction to Online Mortgage Companies for Best Home Loan

Posted by admin on September 12, 2015

Today, you can find many mortgage companies online that can provide
you a secure form of financial transaction so that you can avail the
best opportunity and manage your personal and professional needs alike.
Moreover, there are many prominent mortgage professionals available
online to ensure you that you get a perfect feasible solution to meet
your financial needs. For instance, if you are looking for the best home
loan lender that is going to surpass your expectations, then you must
search online for the reliable and top service provider. There are many
online mortgages companies who can provide you innovative yet flexible
solutions to meet your financial goals. Whether you need the security of
a fixed rate loan or for any other purpose, they can provide you
services that will definitely meet your expectations. These companies
will also help you to take your decision wisely.

Moreover, you must search for the company that can
provide you best financial services with lower interest rates when
compared to other service providers online. Whether you are buying a new
car, purchasing a dream home, want to pay off your debts or want to
fulfill any other dreams or aspirations, Mortgage Company can help you
while providing you the right loan program to meet your specific needs
and demands. In addition to this, companies keep all your personal
information secure and private. Apart from mortgage services, these
companies provide latest quotes to their clients along with the mortgage
calculator and fast approval of applications.

Therefore, if you
are searching around the best home loan mortgage lender, then there are
few important tips which you should keep in mind. For example: if you
are searching on the web for a mortgage company, then it is imperative
to choose a good lender that specializes in high risk loans. Choose
online mortgage company to apply for a loan application. They maintain
good connections with various lenders and are acknowledged with multiple
loan programs designed to help individuals to meet their specific
requirements. Mortgage companies will deeply understand your needs,
thoroughly examine your quotes and match you with the best loan program.


So, before applying for loans, you must compare the mortgage rates
offered by different companies. If you are interested to buy a new home,
you can take help form online mortgages companies to use calculator to
get the best mortgage rates. Using an online calculator, you can easily
and conveniently compare the rates offered by different lenders. Also,
online mortgage company will enhance your knowledge about the terms,
conditions and policies that you might need to apply for loans to assure
no financial stress. To find the most reliable company, browse over the
internet today.

A Collector Calls You About an Old Debt – What is The Solution

Posted by admin on September 9, 2015

Problem:

I
was severely ill for several years. I could not work for medical
reasons. I had a few debts. The debt amount was more than $100,000. It
was not possible for me to pay off the debts because of shortage of
funds.

I filed bankruptcy to get rid of the debts. I filed
bankruptcy on 20th March 2000. I received bankruptcy discharge on 24th
July 2000. I was relieved to know that debts were finally paid off.

I
received a collection call in the last week. The debt collector told me
that I owe $5480 on a certain account. When I told him that all my
debts were discharged through bankruptcy, he flatly refused to believe
me. He told that this particular account was not included in bankruptcy.
I am at a loss. I live on Social Security pay-checks. What can I do in
this situation?

Solution:

A debt
collector can call you regarding a debt. He can call and claim that you
owe around $50,000 to them. This does not imply that you’ll pay $50,000
to the debt collector. Rather, you should ask the debt collector to
validate the debt in writing. As per the federal laws, the debt
collectors are required to prove that the debt is legitimate within 5
days of initial contact.

When
the collector will validate the debt, he’ll have to specify the debt
amount and the creditor’s name. The collector also has to state in
writing that you’ve the right to dispute the debt within 30 days.

If
you get a call regarding the debt yet again, then ask the person to
reveal his identity. Ask the person to state his name and the contact
details of the collection agency. Note down the information on a paper
and send the request for a validation letter in writing. If the debt is
really too old, then I don’t think that the collector will be able to
validate the debt. He has most likely lost the relevant documents.

The
collector has less chance to collect the debt. There is a simple reason
behind it. The debt is 12 years old. It has most likely crossed the
Statute of Limitations period in your state. This means you’re no longer
legally responsible for the debt. The collector can’t file a lawsuit
against you with the help of an attorney. In such a circumstance, you
don’t need to take any steps to make payments to the collector.

If
the debt was within the SOL period, then I would have advised you to
take advantage of the debt plans and pay off the account. However, the
situation is completely different in your case. So, you can very well
tell the collector that the debt has crossed the SOL period in your
state and you don’t have any inclination to repay it.

Finally, if
you’ve no problem, then inform the collector about the source of your
income. Tell that you’re living on the Social Security pay-checks, which
can’t be garnished by any means. If the collector pays no attention to
your words and calls you every other day, then just don’t pick up the
phone.

Low Risk Borrowers Favored in the Mortgage Market

Posted by admin on September 9, 2015

Low risk home loan borrowers who have a mortgage at a low loan to
value, so that they have significantly more equity in their homes than
the amount they have borrowed, are the main beneficiaries of the record
low interest rates currently available in the UK. This low rate
environment in the current mortgage market means that home loan lending
is rising.

In addition to the low rates available (due to the
Bank of England’s base rate holding at a mere 0.5 per cent for nearly 5
years), there has also been increased competition between lending
institutions and two government schemes to encourage lending. These
facts have led to some of the lowest mortgage rates the UK has ever
experienced. But the benefits of this low rate environment are really
only available to the low risk borrowers.

High net worth mortgage clients benefiting from some of the lowest mortgage rates ever


With the UK governments Funding for Lending and Help To Buy schemes
offering banks and building societies access to inexpensive funds they
are able to offer some genuinely low rates, especially for high value
mortgage borrowers who are perceived as low risk.

It is these
high value, large mortgage borrowers with low ‘loan to values’ that have
benefited most because the most competitive mortgage deals are reserved
for those with a deposit of 30 percent or 40 per cent; a level that is
plainly unlikely to be available for young first-time buyers. The real
winners in this situationare the relatively small numbers of potential
home buyers who fall into the low risk category of lending.


Given that first time buyers are the life blood of the property market,
this situation cannot continue forever without further damage to the
already stagnant market. There will come a time when the lending
criteria imposed by banks and building societies will have to be
adjusted if they are to have any volume of business in the home loans
sector. There is an enormous potential market for first-time
buyersmortgages that is not being serviced while the few who are
fortunate enough to be able to borrow will see increasing competition
between lenders for their business. Loans at higher LTVs may soon start
to appear in greater numbers.

It is obvious that certain types
of borrower with plenty of equity and a high, secure income have seen
the cost of their mortgages fall significantly in recent years. Islay
Robinson, director of million pound mortgage specialist Enness Private
Clients believes that deals for borrowers with a 30 per cent to 40 per
cent deposit available have rarely, if ever, been lower. And, the
private banks and other non-traditional lenders thatLondonmortgage
brokers speak to on a daily basis have a keen appetite to lend to high
net worth finance clients.

For the mortgage market in the UK to
return to pre-credit crunch levels, these sorts of deals are going to
have to become available for first time buyers and those borrowers with
only 10 to 20 per cent of the purchase price available as a deposit.
Nevertheless, low risk, large mortgageborrowerswill continue to benefit
from superb deals.

Debt Management Tips – Balance Transfer Cards And Why You Should Get One

Posted by admin on September 8, 2015

If you’re one of the many people out there living under a pile of
debt from old, unpaid credit card bills, you need to act fast and
resolve the problem before collection agencies start calling you and a
debt collection lawyer in California files a case against you.

The debt you need to pay off covers the original
price of the item and the interest that comes along with it every month.
With each month that the bill goes unpaid, its corresponding interest
will also become higher and higher, hence why you will end up paying
more if you have overdue bills.

Balance transfer

To
stop a growing credit card debt, people often go to banks and ask if
they offer cards that have 0% promotional APRs and allow balance
transfers. Basically, this card pays off the existing credit card
balance by transferring the amount to the new card. Since the card has
0% APR for a certain time, it keeps the balance from growing.

The
cardholder will, however, be charged with a one-time transfer fee,
which is usually around 3% to 5% of the balance. Card holders have to
pay off a minimum fee every month, like all other credit cards, and can
use their balance transfer card as a regular credit card and charge
purchases on it.

Save money

First,
it’s important to understand that you’re looking for a transfer card
because you want to fix your credit problems and get rid of your
existing debt. You have to create a plan that will focus on minimizing
expenses, maximizing how much you make, and making sure that you
regularly pay your credit bill and aim to finish it off before the
balance transfer card’s promotional APR ends. You can also save a lot of
money with promotions that these balance transfer cards offer. Some
balance transfer cards will give you no transfer fees for the next few
months, which means that your debt is not going to grow if you transfer
it to the new card within that certain amount of time.

Save your credit score

Your
credit score has already taken plenty of damage from your previous
debt. Late payments will give you mark downs and will negatively affect
your credit score. It will become worse when you have a case from a debt
collection lawyer in California. By transferring your debt to a new
card and making sure that you pay off your monthly dues, you’re in a
better position to rebuild and repair your credit score.

Integrating Business Financial Services With Tricky International Taxation

Posted by admin on September 2, 2015

It takes a few steps to unravel the intricacies involved in the
practice of international taxation, so much so that many tax consultants
are averse to look into this particular field. Not only is the part
related to taxation difficult to understand with the changing policies
of various governments, there are limitations imposed in tax slabs,
investments, purchases and other markets in different countries.


To become a successful international tax consultant, it would be
necessary to go through all the rules related to international taxation
policies, which becomes quite difficult for any kind of tax consultant,
be it a law graduate or chartered accountant. But, those who are
practising this kind of taxation are not only experts in business
financial services, but have the policies well known across different
financial tools. This kind of taxation is a highly specialised field,
due to which the number of consultants is quite less. Hence, when
practising the international taxation, people will tend to go with the
best in the field as they are completely concentrated in this particular
field, as happens with other fields like medical science or education.


While dealing with international tax, a consultant will have to go
through a variety of features. International tax policies as well as the
rules laid down by the country of residence regarding investments and
taxation are to be understood. One has to go through tax credit, foreign
company rules, hindrances posed by double taxation, domestic taxation
and above all, the tax policies for companies as well as individuals.
These are some of the basic structural diktats that are to be known to
practice international taxation. Complicated issues can be known along
the line of practice, or when such individual cases are being handled.


Most of the clients will seek advice on business financial services
because international tax rules are required by those, who have
sufficient business interest in foreign countries. Some individual
clients can also be found who like to park their funds in foreign
shores. There are many countries, who want to have foreign investments
to stabilise their economy and there are such matters, where
international tax consultant can be of huge help. Nowadays, with foreign
policies and open market being introduced in lots of countries,
international taxation has become complicated. It is better to transact
on a global basis, across geographical boundaries, if the consultation
back up in proper and there are expert tax consultants to be on the
advisory list.