Category Archives: Financial

With Student Loan Debt in The Trillions, Help Is Now on the Horizon

FOR IMMEDIATE RELEASE

(Madison, SD)– With student debt now in the trillions in America, individuals often face a formidable task when it comes to trying to pay off their loans. The average monthly payment for individuals is over $300 and that number seems to be rising. Many individuals end up owing more than they borrowed because of hefty interest rates. It is easy for a person to seek a loan during college, not thinking about the ramifications once the payments come due.

Mary Williams, a representative of Student Loan Help Info offered this insight. “We provide the information borrowers need so they can determine their best options for overcoming their debt. Some of the individuals we help have lost employment or become disabled. When they borrowed the money, they had no idea they would not be able to repay it. Loan forgiveness is vital to these people and provides them with a lifeline to be free of their debt.”

Some individuals may be eligible for loan forgiveness, depending on their circumstances. Student Loan Help Info offers free assessments to those who are in need of help with lowering their payments or seeking loan forgiveness. There are now many programs in place, including government programs, that allow borrowers to restructure their payments according to their earnings, with low-income individuals possibly being offered no payment requirements.

“Student loans should never be ignored. As soon as an individual learns they will not be able to make their payments, it is vital they seek help from their loan holder or our website. If a person grows too behind on their payments, wage and tax refund garnishment will likely occur. We can help individuals avoid this harmful collection activity and greatly reduce their stress in dealing with the repayment of their student loans,” says Williams.

Those who are in debt with student loans are urged to visit the site and discover their options. By simply keying in some vital pieces of information, the site goes to work on providing the program information the borrower will most benefit from. With their Free Forgiveness Check, borrowers can get started on the process and learn about their options.

About Student Loan Help Info

Student Loan Help Info is a website that offers extensive information for those who have student loan debt. They offer information on the many programs that can help individuals reduce their monthly payments with a restructured plan. They also offer information and access to programs that allow students to undergo debt forgiveness so they owe nothing on their loans. The site was set up to make it easier for individuals to find the student loan information they need if they are having trouble paying their payments due to low income, unemployment, or disability. The site offers a free assessment so individuals can discover their options for overcoming their student loan debt. Those in need of these services are invited to visit studentloanhelpinfo.com.

Suggested Post: published here

What I Can Teach You About Options

Keeping Sane in Business

For a considerable measure of business-minded individuals, this time of the year would be an insane and stressful moment indeed. Negative patterns in business must be removed no matter how difficult it is to break, so you might be making some drastic and major changes in your business, or would like to incorporate some other new-found ways and methods that you know would help keep it on the right track, and so on. Otherwise, the best guess would be you receiving an irs audit yet you know that all transactions in your business are fully accounted for.

Being and staying effective in these changing and testing times is about guaranteeing that your business has a leverage over its competitors.

For most people who know full well the difficulties of managing a business, having the ability to keeping on your toes and not be overpowered by all the uncontrollable and surprising situations that may come up, is the ultimate secret to generating the kind of results that you wanted whatever the situation may be.

Plenty of business owners can demonstrate that, when emotions and sudden reactions are allowed to rule during the most testing and distressing circumstances in the business, it can have adverse and grave results that would be highly detrimental to the business. Still, do not lose heart for experience is the mother of everything else – so once you have gained substantial knowledge and experiences in running and managing a business, then chances are you are able to breeze through with it most of the time. Regardless of whether you think it impossible or not, the ability to stay calm while thinking and considering all options and solutions available is a habit that can be developed and trained by just about anyone who puts their mind into doing it.

To do this, you can start your day in the correct state of mind. Make it a point that, upon waking up in the morning, you are able to set up indications of good things surrounding you, then look in the mirror and express gratitude towards all the good things you will receive for that day. It might be that you are currently facing problems on loan costs, or that you are beset by worker issues, or product problems, or perhaps your competitor has made a huge leap over you – all these things are plausible and cannot really be avoided, but it would be to the benefit of your business if you are able to stay in control and instill confidence amongst your subordinates and peers.

The Essential Laws of Experts Explained

All You Need to Know about Jack Halfon

Jack Halfon is a South African entrepreneur who was born in Harare, Zimbabwe. He is the mainly popular as the founder of a micro-lending institution known as Atlas finance. He has molded Atlas finance into a model of ethics, customer service, and responsibility. He began this business as a small business in Johannesburg, and it has since grown into one of the biggest microlending institutions in Johannesburg that has over 170 branches in South Africa. Despite the vastness of his business, he has never lost the essence of the qualities that matter the most to his clients which are integrity and a desire to see his clients get what they need. That is why his business continues to be in a position to lend to over two million people since the start of his company in 1994. For Jack, his clients are not any different from the members of his family. Atlas Finance Ltd, his firm, gives loans of an amount of 8,000 rand or less to customers who may need to pay for family expenses, school tuition, transportation bills, hospital costs and other debts. Halfon and his workers at Atlas Finance ensure it is possible for those who reside in several South African cities like Johannesburg, Durban Pretoria, Soweto, Cape Town along with other major cities to meet their daily expenses.

Jack Halfon went through several challenges as he attempted to establish his company and hence he understands the difficulties that the majority of his clients go through. He endured several drawbacks as well as challenges before his business could pick up. He finally became a successful entrepreneur in the South African microfinance sector providing help to those who find themselves experiencing similar problems although, in fact, he began his business conglomerate with only 300 rand. This has made him a philanthropist, giving back to the people around him to assist the poor in society. Through his philanthropic actions, he expects to inspire the next generation of entrepreneurs. He writes blogs and articles giving free advice on what steps to take to make it in the microfinance business.

Not only is Jack Halfon an entrepreneur who is successful, he’s a committed family man and an enthusiastic white and black photographer as he is a proud husband to a wife, has three children and three grandchildren. He loves spending a lot of time with his family and watching it thrive. He is well-traveled all over the world, and it has captured the essence of places and folks with his camera. He published his collection of black and white photography known as Faces and Places in the year 2011. He gave the earnings he got from this publication to charities in South Africa. He is indeed a man of many hats who has made and continues to make significant contributions to society.

Phillip James Financial Announces Move to New Plymouth, MN Office

FOR IMMEDIATE RELEASE

(Plymouth, MN) After a long buildout process, Phillip James Financial is proud to announce their new location in Plymouth, MN. Across the street from the Plymouth Lifetime Fitness, the move is to the thriving central business district of the city. “This is a big change from when we first started,” stated company co-founder James Sexton, CPA. “We were really bootstrapping back in 2010, most of the work was done from the living room of my personal residence or a local coffee shop.”

The founders’ relationship goes all the way back to grade school. James Sexton, CPA and Phillip Christenson, CFA went to local schools St. Vincent De Paul and Totino Grace before parting ways to go to rival universities. “After graduation, we both knew we didn’t want to work the standard 9-5 jobs,” continued Sexton. “We both had an interest in finance and the stock market so a wealth management firm was a natural fit. And with my background in tax we added tax preparation and planning as a complementary service.”

The small company quickly grew out of the home-startup phase as demand for their brand of financial planning took hold. They spent the early years at downtown virtual office and then a smaller physical office, both of which they quickly outgrew. “There are not a lot of other financial advisors that do what we do,” states Phillip Christenson, CFA. “We are a Fiduciary for every one of our clients and our financial planning process is very comprehensive. Other firms can’t replicate this.” The move provides enough room for the two co-founders and their two employees with plenty of room for future growth.

The company’s services include financial planning with a focus on retirement income as well as tax preparation and planning. By combining these disciplines into the core of what Phillip James offers, clients are able to get investment and tax advice all in one place not only providing convenience but a better wealth management service. Christenson elaborated, “Our motto is Investing with Purpose. This is because we build our clients’ investment portfolios around their goals and specific situation. We aren’t just trying to get the best return possible but trying to give our clients the best chance of achieving their goals.”

Regardless if a client needs retirement planning or the other financial services, Phillip James Financial offers, the new office is touted as being the only fee-only wealth management company in the city of Plymouth and made the move due to the large amount of growth experienced in 2016. They recently celebrated this milestone with a ribbon cutting at their new office with the Mayor of Plymouth, Kelli Slavik, as well as other prominent Plymouth Officials. Family and friends were also in attendance.

ABOUT PHILLIP JAMES FINANCIAL

Phillip James Financial is an independent financial advisor. They provide fee-only financial planning and investment management company in Plymouth Minnesota.  They provide comprehensive financial planning, investment management, and tax preparation services all in one place. They are a Fiduciary, always acting in the client’s best interest. Phillip James Financial has been named “Best Fee-Only Financial Planner – MN” in 2016 and 2017 by Wealth & Finance International. The financial advisors at Phillip James Financial are paid based on a percentage of the assets that are managed by the company and are as low as 0.25%.

More reading: Visit This Link

Why Loans Aren’t As Bad As You Think

The Aftermath to the Student Loans Caused by a Divorce.

Separation itself is sufficiently hard. This post could help you a lot in understanding why a student loan is one of the most important factor to be considered when you foresee a divorce. It would be very tough to suffer from a divorce if you still have an existing student loans to pay.

Throughout the divorce, there are some things that supposed to happen. First on the list would be the division of the possessions involving the student loans acquired.

Most of the states have different ways on diving the properties to the parties involved in a divorce. It is possible that a particular state considers your student loan as your personal property and not a conjugal property. On the other hand, another state may consider the student loan as a conjugal property and not a personal one. It indicates that you and your partner will be paying the student loan equally. The dissemination of the conjugal properties would be fair since it would be based on the kind of state on where you are located.

Equitable Distribution and Community Property can differentiate the states. Equally distributing the properties to the parties involved is being referred to as Community Property. Thus, the Equitable Distribution is the complete opposite of the Community Property. The equitable distribution separates all your conjugal properties and resources reasonably instead of similarly. At times, it is reasonable to say that there would be a 50/50 distribution, however that is not generally how it works.

The second on the list would be in view of the one who benefits the most out of it.

In the event that you had acquired the student loans before marriage, it would be considered as your personal property and not conjugal. The student loans will be paid by yourself alone and not your partner when you obtained it before marriage. In case that the student loans were obtained after getting married with your spouse, it would be understandable if experiencing a divorce gets a little bit complicated. When a time comes that you want to be officially separated from your partner, the existing student loans will be distributed based on the laws and rules of the state that you are currently residing. Determining the beneficiary of the student loan will be another factor on distributing the student loans.

There are instances where in, a person uses the student loans to pay the expenses they have in their households. Hence, the family that lives in the household will gain from the student loans. In such case, your partner must be obliged to help you in paying the student loans.

Student loans as a conjugal property may happen.

When you want to have a divorce, you could utilize this list to have the proper information on what you should do with your existing student loans.

Case Study: My Experience With Lenders

What is a Mortgage?

For most people out there, moving or buying a new home is such an important step in their life. But there is one thing you have to do first, you need to make sure that your mortgage gets accepted or approved. For first timers, you have come in the right article, check out the list below on how to get your mortgage approved.

Make sure that you show the establishment the proof of your income.

For you and your wife, if you both are aiming to get your joint mortgage approved, you two have to do something first. You guys have to be able to show a valid proof of your income. A form of W-2 statements will gladly be accepted as valid proof as long as it dates back at least 24 months ago. You can show them your most recent pay stubs or any documentation that would show that you have other sources of money, child support payment is even accepted, that will be one step closer in getting your mortgage approved.

Proof of your assets is also an accepted form.
You have to make sure that you present proof that you have enough money to pay for the down payment that the owner will require. You need to show proof that you can pay for the associated closing cost as well.

Showing an excellent credit rating will be important as well.
If the person trying to get his or her mortgage approved, it would be rare for the lender to do so if they do not have a good credit rating. It will be a problem if you have a credit rating lower than the required 620, you will have to work hard for it. You have to immediately start repairing it as soon as possible.

You might have never borrowed money before, that is why you have really low credit score. It would be best to go for applying online loans with no credit check instant approval first. Your credit score will slowly increase after paying the online loan each month on time.

You need to make up for the bad handling of finances because it will be important. You need to make sure that all your bills and credit card debt will be paid so that you can get your mortgage approved. If you pay quickly, that will boost your credit score and that will mean that there will be a higher chance for the lender to approve your mortgage.

You have to know that showing verification that you have a job is a great factor for getting your mortgage approved.

You need to make sure that you follow the guide and do what it says, this will really help you get your dream house.

The Path To Finding Better Professionals

Why It Is Important to Seek for Professional Help

There are some situation in life that it may be helpful to ask for some help. Whether you have a choice, or you don’t, looking for help in some situations is important. Depending on the situation, you will have different people to ask advice from. You could ask for help from colleagues, family members or loved ones.

There are various occasions you may need to consult a professional. The kind of situation you are in will determine the type of support you require. Most financial conditions will need a professional assistance or advice. Here are some of the occasions where seeking help from an experienced individual helps:

Issues with the law

There are high chances of having issues with the law. Such an occasion can be worrying and frustrating. It is even more challenging encountering such a situation when you do not have enough money. Usually, people will be struggling to get money to bail them out. There are a number of professionals who can help you while you find yourself in such trouble.

Some of such professionals include the All City Bail Bonds. Most of these professionals are less expensive and can be of great help to you. The process of settling court and lawyer charges is usually complicated, and it is important to ask for help.

Keeping money for future use

Saving is important for many reasons. In order to have best saving practices, you will need to seek some assistance. You could be wanting to start saving or changing the way you do your saving. In such a process, a professional can help you in making the right decisions. A financial adviser can help you make the right decision on choosing the best saving account.

Switching jobs or searching for a new one

Sometimes when transitioning from one job to the other, you might not be earning from either of the jobs. During this process, you might end up with little money or spending a lot of money when moving to the next job. It could even be worse when you haven’t had a job for a really long time. Depending on the situation, a financial adviser can be of great help to you. This could be by offering an advice that can assist you in making the right decisions. This will make your situation less difficult before you get another job.

There are various financial occurrence where you may need to consult an expert. It is, however, important to take some consideration when deciding who to ask for help. You should look for help from professionals, as less experienced people may end up misleading you. Pick a person you have enough confidence in. There are people who only want to take advantage of you.

The Beginners Guide To Businesses (Finding The Starting Point)

Know the Facts on How Accountants can Help Your Business Grow

The need to consider the right professional to help your business grow is something that needs to be checked and considered just so you can assure that you will be successful throughout. If you are to consider the number of things that you could choose from, chances are that you will see a ton of professionals that you could consider and one of these professionals you need are accountants.

The need to make sure that you will have to look into the right professional accountant really is something that you should look into because of the fact that their overall skills and capability is what will then assure your business stability in the future. If you are looking forward to find the right professional, then it will definitely be needed for you to make sure that you will land on the right one. In this article, we will be discussing more about the benefits that you will reap from considering the best accountants for your business.

One of the many benefits that you will get from such is the fact that you will have your assets managed respectively. To consider having the right professional to help you out is a great way to secure that your finances will be handled in the best means possible. One of the things that you will also get from having the right professional accountant to manage your business finances is the fact that they will be able to carry on such task efficiently.

To have the right professional accountant to help you along also assures that you will be able to benefit in terms of handling tax and whatnot. Since tax laws are something that changes drastically, it really is important that there will be someone who will help you out and keeps you up to date just so you will be on the latest updates on tax laws and whatnot.

Not only that these professional accountants help you out with your finances but also assure that you will be up to date on how to adhere to them and whether or not it could help your business prosper. Making sure that you are well aware about how to adhere to such matter is a way for you to make sure that your claim will be justified.

To make sure that you will want to look into such matter is a great way for you to secure that you will end up coming up with a business that really is solid. The thing about planning your business is not something that you could do overnight because of the fact that there will be a ton of things that you should consider.

Lenders: 10 Mistakes that Most People Make

Effective Ways On How You Can Deal With Big And Unexpected Bills

As long as we live, bills will always be with us however, if we want to keep in track with every single one of the bills that we have, this may pose as something that is difficult and troublesome. This is the very reason why ever so often we will receive that one unexpected, killer bill that seems to be putting us in a bind which may lead us to be indebted. Regardless of whether the bill that you receive has something to do with your medical bill for your A and E visit or perhaps it is just an unusual huge utility bill, you should never neglect this and just shove it into your drawer and forget like nothing’s happened. Neglecting it will not do your any good as it may worsen things for you hence, you have to face these bills head on. In this article, we have listed down some of the best and most effective ways on how you can deal with the big and unexpected bills you have.

Checking the figures is considered as one of the ways on how you can deal with all the huge and unexpected bills you have. Cases of incorrect billings happen occasionally that is why it would be best for you to check the one you receive so that you can refrain yourself from paying too much, more than what you owe. If it so happen that you are not satisfied with the amount specified on the billing which you have to pay or if you are not convinced that it really is the amount you owe, you can ask the company to send you a breakdown of the cost. Once you have inspected and make certain that it is indeed a billing error, contact the company right away resolve the matter but, if the company will disagree and continue to claim that the amount they give you is the right one without presenting further validations, you may hire a lawyer to settle your billing dispute.

Negotiating with a payment plan is considered as the next best thing that you can do after you check your billing and find out that nothing is wrong with it. If you do not want to increase the amount you owe to the company or institution caused by the fine you receive, make sure that you negotiate with them for the payment plan you are planning to have as soon as you can.

Understanding Freelancers

Essential Elements of a Freelance Worker

Today, the world of employment is taking a new turn, and most of the people are embracing the changes as it is convenient to work in a digital platform from anywhere in the world at your comfort. You have the chance to work from any part of the world or even from your home at your comfort, and there is no supervision.

To some people freelancing might be a side job to earn extra income while to some, it is the main job and they rely on it to get their income. It is possible to work for a company from home or any other convenient place no matter its physical location and this is against the common traditions which required that you avail yourself at the company’s premises. It might seem attractive but before you take the first step to getting a freelance job, here are some few facts that you must know well.

Contracts – The companies that give these jobs offer them to freelancers on a short-term basis, and the freelancer must accomplish it within the defined time as long as the resources are available to complete the task. It is important to have a contract with the company so that it becomes a formal engagement which is enforceable by the law. The company must append a signature on the contract. It must clear state the work to be done, deadline dates and terms of payments.

Taxes – As a patriot to your country, you must submit your taxes. In freelancing, the company responsible for payment does not pay the taxes on your behalf, but it pays you the full amount on your invoice. It is upon you to do the tax calculation with the rates to determine the proportion of your income that you should remit to the tax authority. For ease of tax payment, you can set aside an account which you deposit the monies for tax. File your taxes on the right time so that you avoid any fines that could accrue due to late payment.

Holiday and sick pay – There is no allowance for vacation or sick days in freelancing. You will not have any compensation of whatever kind suppose you fall sick or go for a holiday such that you are not able to do your work. Make good use of the days you can work so that it covers the period that you would fall ill or travel for a holiday.

Time management – Value for time is vital for freelance jobs, and you must utilize any moment you have properly to get the maximum benefits. You need to avoid any form of distraction that may cause loss of concentration. You need to have a schedule which will guide you on how you will accomplish all the tasks at hand.