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Showing posts from April, 2019

The Best Car Deals - Low Finance Rates Vs Rebates - Which Should You Choose?

How To Get The Best Car Deals:

Quick tips that will help you at the car dealer:

How to understand Rebates and low financing offers:

Vehicle MSRP: Manufacturers Suggested Retail Price - This price is always negotiable - don't ever agree to pay MSRP

Exception: Some vehicles that might be "hard to find" or "limited in production" might be sold by the dealers at MSRP or, sometimes higher. This is usually called Market Adjustment.

Manufacturers Rebates: This is your money and has nothing to do with discounts given by the dealership. This money is given to you directly from the factory. Never let the rebate be used as a negotiation tool by the dealer. Any discount or negotiation from the dealer should be separate of any rebates offered.

Low finance rates: 0.00% 1.00% 1.9% etc... These are called Sub-vented rates, they too are offered by the factory and not the dealership. Do not allow a "low" finance rate to be used as part of a negotiation by the dealer. These r…

Behavioural Finance: Focus on Intrinsic Value


The volume of research in the field of Behavioural Finance has grown over the recent years. The field merges the concepts of finance, economics and psychology to understand the human behaviour in the financial markets, to form winning investment strategies.


Behavioural finance is the study of the influence of psychology on the behaviour of financial practitioners and the subsequent effect on markets. Principal objective of an investment is to make money. We usually assume that investors always act in a manner that maximizes their return rationally. The Efficient Market Hypothesis (EMH), the central proposition of finance for the last thirty five years rests on assumption of rationality. But it has been proved that people are ruled as much by emotion as by cold logic and selfishness. While the emotions such as fear and greed often play an important role in poor decisions, there are other causes like cognitive biases, heuristics (shortcuts) t…

Structured Settlements - What Are They?

What is a Structured Settlement Annuity?

A Structured Settlement Annuity (SSA) is a contract issued by an insurance company that originated from a legal action such as a car accident, workplace accident, wrongful death, medical malpractice, etc. The original claimant (plaintiff) elected to accept a series of payments instead of a lump sum settlement. This series of payments are guaranteed by an US based insurance company and is in the form of a fixed annuity.

In about 20% of the cases the claimants (or their heirs) elect to sell their SSAs (in full or part) in exchange for a discounted lump sum of cash today.

What is the process when a Claimant decides to sell their SSA?

Claimants that are considering selling their SSAs seek out factoring companies which are institutions that buy SSAs. Claimants are looking to get the largest lump sum of cash today in exchange for the rights that they give up to receive those future payments.

This process must go through the court system which protects bot…

Test Your Credit Score Knowledge

Credit profile, score, assessment: if you're thinking of taking out a home loan, these are important terms you'll need to learn more about.

What is a credit score?

All credit active people have a profile. This is a summary of your history with every credit provider you've ever dealt with, and serves as a record of how well you've managed your accounts like loan repayments, overdue debts, how often you've asked for credit and the kinds of loans or credit you've applied for, and the frequency of your applications.

How it works?

Credit reporting providers summarise your profile into something called a credit score. The score is between 0 and 1200, where the higher the number, the more likely you are to be able to repay a loan. Lenders look at your credit profile and score to find out about your credit history and behavior, and assess if you are able to take on a new loan. This information reassures lenders that you're good at paying money back to those you've …

For what reason Should You Seek the Services of an Insolvency Practitioner?

There is a typical conviction that one just needs the indebtedness professionals (IPs) just when an organization is bankrupt however this isn't precise. There are numerous jobs that the IP can lead and this incorporates counsel to chiefs notwithstanding when the organization is dissolvable however they have to run the fortunes and exchange gainfully afresh.

At the point when a business is compromised by lawful activity by lenders or when there are some impermanent income issues, at that point you ought to get proficient exhortation and this can really turn things for the better for the organization. It is critical that you function as fast as could reasonably be expected to deflect any awful issues in the long haul. In the conditions, you shouldn't defer in light of the fact that when you go about when you see something is off, there are such a significant number of alternatives that will open up and they may include:

Willful liquidation

Closeout of advantages in order to guid…

4 Things to Consider When Refinancing Your Student Loans

Is it accurate to say that you are considering applying for an understudy advance? Provided that this is true, a promissory note should be agreed upon. Fundamentally, this is an agreement. On the due date, you should pay the advance alongside the measure of intrigue dependent on the terms and conditions. Regularly, understudies don't think much before tolerating the terms and states of the promissory note. On the off chance that you have a credit however you are thinking that its difficult to pay it back, you can renegotiate your understudy advance. Be that as it may, ensure you consider 4 imperative things before you feel free to renegotiate it.

No financing from the government

Keep in mind: the congress settles on the rate of enthusiasm for the government understudy advances. In addition, the rates of intrigue are set dependent on the law regardless of how great your FICO score is. In the event that you have lower FICO rating, the loan fee will be higher and the other way around…