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Monday, May 15, 2017

Get out of debt with United Debt Counselors

Struggling with paying off debt is a common problem for numerous people and can sometimes have disastrous consequences. If you're looking to become debt free within three years, United Debt Counselors may have the solution for you.

United Debt Counselors is a debt relief company based in Frisco, Texas. It specializes in negotiating down lower balances on unsecured debts.

The founder David Melrose, started the company over 7 years ago. Inspired to start the business after being the son of a single mother who struggled with her credit card debts, he knows the devastating effects money problems can have on individuals and their families. After his schooling, Melrose’s wish was to help other Americans in similar tough financial situations.

Corinne Maples serves as the Senior Vice President of the company. She has over 14 years’ experience in financial services, customer service, and in the general operation of running a company like United Debt Counselors. Some of her accomplishments are the formation of the company's compliance and operations departments and overseeing the legal, IT, scheduling, human resources, and operations departments. Maples has always been passionate about helping the 'little guy'. In fact, the company's motto is "Score one for the Average Joe". She knows that many Americans struggle daily with debt and it gives her immense pleasure knowing she can help out individuals who really need it.

Corinne starts each morning getting her kids ready for school, then creates a handwritten checklist for what she wants herself and her employees to accomplish that day. When she leaves the office with all the items crossed off, she knows it has been a good day. She is a great believer in 'mindset'. If you believe it, you can do it. Set your goals and work hard to achieve them. Helping her clients achieve debt free status and knowing she is changing people's lives for the better is one of the greatest rewards of her job.

If you are battling with debt and your family is suffering as a result, call United Debt Counselors today or visit www.uniteddebtcounselors.com and take advantage of a free consultation by calling 1-866-544-3852. Let their dedicated team of employees at United Debt Counselors help you eliminate your debts forever.

Image: CC BY-SA 3.0; Nick Youngson

Thursday, May 4, 2017

Forget pawn shops-Use your car title to get a fast loan

Are you on the hunt for cash? Are you looking to make some money without hauling all of your beloved possessions off to the nearest pawn shop? Well, if you happen to be the owner a vehicle, you're in luck! You can use the title of your car to obtain a loan. This process can be fast and easy. Check out how you can do it below!

What is a car title loan?

A car title loan is a quick way to get cash. All you need is your auto loan title. A creditor accepts your auto loan title as collateral for your loan. This does not mean you give up your vehicle! Rather, it means your creditor can claim your car if you happen to default on your loan. However, if you plan ahead, this shouldn't happen.

What do you need?

In truth, all you need for an auto title loan is ownership of a vehicle that is fully paid off. This is because your creditor can't lay claim on the vehicle if you are still paying off the vehicle to a third party. However, to get the best possible car title loan, you will also want a few other things. First, you will want good credit. If you have a history of paying your bills on time, you can receive a better interest rate on your car title loan. Second, you will want to have a plan to pay off your car title loan. This will prevent you from experiencing problems later one.

Why is a car title loan better than a pawn shop?

The answer to this is simple! You don't need to give anything up. At a pawn shop, you must turn the item over to the pawn dealer. However, with a car title loan, you can still use your car. You will only need to turn over the car title. You will be free to continue to use your car to get to work, go to the movies, take a trip, and more.

When should you consider a car title loan?

There are some events where a car title loan is a good fit. Perhaps the most common reasons involve automotive repairs. If you can't afford to fix your vehicle, your car isn't doing you much good. A car title loan allows you to get the cash needed to fix your car. In the worst case scenario, you will lose your car. However, if your car was broken before your loan, you are actually no worse off than you were before.

Things to keep in mind

Resist the temptation to use a car title loan to acquire money for random purposes. Also, do your research. Remember, the ownership of your car is on the line. You will want that money to go towards practical purposes. Also, shop around first to try and find great rates. Finally, remember that the holder of your car title loan might be able to make stipulations on how you can use your vehicle. The vehicle is your creditor's protection. He or she will not want you to reduce the car's value through abusing it. 

If you are looking to ditch the pawn shop for some fast cash, a car title loan might be in your future. See if one is right for you today!

Image: Ken Teegardin/Flickr, CC BY-SA 2.0

Sunday, April 9, 2017

Luxury whisky – investing in whisky offers significant payoffs

It’s no secret that luxury whisky is now being purchased for more than just collection and consumption. Believe it or not, whisky is a form of investment that can render significant returns. In the UK, for example, specialized websites and auction houses are becoming core markets for buying and selling fine whisky bottles – the rarest the bottle, the better the chances to witness outstanding ROIs. 
Experts argue that in 2016 the value and volume of fine Scotch whisky sold in auction houses increased tremendously. A collection of Single Malt Scotch in the UK was trade for an astounding sum of £14.21 million, increasing 49% from £9.5 million. In 2015, the number of whisky bottles sold at auction houses increased by 35% - from 43,000+ to 58,000+. 

How to know the difference between investment whisky and standard whisky

To begin with, it’s worth mentioning that a bottle of whisky stored somewhere on a cupboard shelf is unlikely to increase in value anytime soon. Just because you don’t want to open it, it doesn’t mean at some point its value will increase. Bottles from special editions and rare whisky varieties have the best chances of rendering returns on investment. 
In countries like the UK, particularly in Scotland, more than 10,000 people work in the whisky and scotch industries. The drink has increased in popularity outside the UK, expanding to the US, Japan and China. Drinkers are not the sole beneficiaries of this boom. Collectors should be the happiest as whisky maker Glenlivet recently brought out a very rare type of whisky – the Winchester Collection 1964.

Distilled in oak barrels back in the 60s, the whisky was just bottled. The entire collection of 100 bottles can now be purchased for £18,000. Phil Huckle, ambassador of the Glenlivet brand, argues that the price can be perfectly justified. The company has been investing a lot in storing and making the whisky; after 50 years it was about time for the product to see returns. 

Is investing in whisky worth considering? 

£18,000 for a single bottle of whisky is a lot, since you can’t even drink it. Nonetheless, avid investors and collectors have seen substantial returns from investing in fine whisky in the recent years. Experts argue that the value of the world’s top 100 collectible whisky bottles has increased by an astounding 20%. However, even though certain brands are currently seeing sensible returns, let’s not forget that we’re talking about a form of investment; it’s risky to invest when you don’t know the market, meaning that cautious investors with not a lot of money to spare are advised to steer clear of this type of asset. What’s even worse is that there’s no investor protection in case something bad happens. 

What makes a bottle of whisky become a collectible? 

Just like with other similar forms of investment, scarcity, reputation, and uniqueness are fundamental. Experts would advise investors to begin with whiskies that come from authorized specialists; then they can move on to more exclusive varieties and explore the best most renowned distilleries. However, you should be very careful as forgeries are everywhere. 
In case you’re having doubts, the best thing that you can do is consult an accredited distillery. They’ll be more than happy to offer you information about the type of whisky you’d be interested to buy for investing. Another great idea might be to invest in whiskies you’re fond of, and then refine your palette step by step (as you gain more experience). If you’re just looking to collect, it’s best to purchase varieties you can actually afford. 
Regardless, investing in whisky is a subjective form of investment. A sensible return is not guaranteed, no matter what types you choose to buy. Stick with single casks, limited editions and discounted bottles to keep your investment as diversified as possible. As you gain more experience, you could consider outsourcing the selection process. Invest in a fund and let someone else choose the bottle varieties in your name. 
Bottom line is, before spending any money it’s best to get more familiar with the whisky business. Keep in mind that fine wine varieties such as Margaux wine, and others, are completely different from whiskies. Keep things simple spending wisely and you have high chances of seeing visible returns.

Monday, March 20, 2017

Stock Market perspectives of 2017

By Frank P. Allan

2,300* — Bank of America Merrill Lynch

Remark: "2017 might be the slightest sure in years, with higher-than-common dangers and a double arrangement of results that have drastically differentiating outcomes: elation or fail, essentially higher or lower than the base case," said Savita Subramanian.

"As the probability of master development strategies waxes and fades in the coming months, we see the potential for huge market swings. Hazard/reward will be more vital than total targets."
*2017 could be a parallel year when the market tumbles to 1,600 in the bear case and ascends to 2,700 in the bull case, Subramanian said.

2,300* — Credit Suisse

Remark: "The key positive for 2017, in our judgment, is that financial specialists are overweight flattening supports (i.e. bonds) on expansion supports (values) when strategy producers are moving far from NIRP towards monetary boost, and swelling desires are set to keep rising," said Andrew Garthwaite.

"Be that as it may, we see a down market in H2 2017, consequently our year-end 2017 focus of 2,300. The second half difficulties incorporate the potential adverse effect of US security yields over (3% being the CS see for end-2017); the developing valuing force of US work pressing overall revenues, and the danger of China refocusing on change instead of expert development approaches. We keep on preferring values to both bonds and gold."
*2,350 midyear

2,300 — UBS

Remark: "Regardless of the potential for greater instability, we anticipate that the bull will praise its eighth birthday in March 2017," Julian Emanuel said.

"Not a single retreat is to be found, for the present. Be that as it may, the familiar axiom 'three stages and a lurch' could put stocks under a magnifying glass when the Fed climbs again after a climb this December."

2,300 — Goldman

Remark: "'Hope' is potential for positive EPS amendments from lower corporate charges, repatriation of abroad money, less control, and economic jolt," David Kostin said.

"'Dread' is the hazard that spending deficiency limits charge change, rising swelling prompts Fed to fix consistently, and security yields keep on growing."

2,325 — Citi

Remark: "Our PULSE structure is nonpartisan on four fronts (unexpected, profit, slant, and liquidity), is still positive on valuation," said Tobias Levkovich.

"The standardized profit yield crevice examination remains at 1.57 standard deviations underneath its 40-year normal, generating an 87% shot of higher markets in a year's chance. ... After basically accomplishing our mid-2016 S&P 500 focus of 2,100, we see conceivable late year delicate quality given a year-end 2016 goal of 2,150. ... Extra picks up are sensible in the following 12-15 months, yet not remarkable; our mid-2017 target is 2,250 while our preparatory 2017 year-end target is 2,325."

2,325 — Jefferies

Remark: "An administration move happened overnight after Trump's triumph," Sean Darby said.
"Trumponomics: monetary unwinding and protectionism are both inflationary and US dollar bullish. The unfurling of Trump's strategies will happen when wages are expanding. Purchase the customer. Values are profiting from the loosening up of the force exchange settled wage and reach for yield, yet a robust dollar will go about as a roof for income and will fix liquidity conditions."

2,350 — BMO

Remark: "We trust the S&P 500 has a decent possibility of conveying at any rate high-single-digit rate picks up in 2017 as the market moves from P/E to EPS-driven picks up and adapts to the positives and negatives related to a Trump organization and the changing approach elements it creates," said Brian Belski.

About the author: Frank P. Allan is author of this article, he is also a stock market blogger, he is engaged in research of neural network for stock prediction.