My WordPress Blog Sat, 27 Apr 2019 18:42:30 +0000 en-US hourly 1 The Top 3 Alternatives for Student Loans – 2019 Sat, 27 Apr 2019 18:42:30 +0000


The United States carries about $ 1.2 trillion in debt from student David Balfourrengen. In fact, no less than 70% of the students contribute to this rising figure. The desire to leave college with minimal to no debts has students looking for alternatives to loans.

1. Request Pell Grants

1. Request Pell Grants

The federal government awards Pell Grants to full-time and part-time students who have not yet obtained a Bachelor’s degree. The grant is based on the needs of the student as determined by information about the persooDavid Balfourijke and family financial status included in the free application for federal student assistance or FAFSA. The maximum amount awarded to students was $ 5,815 from the 2016-2017 academic year. This money does not have to be repaid.

Students can qualify for the Pell Grant every year for a maximum of six years. Smart students who are eligible for the scholarship can use this to compensate the tuition fees at public colleges and public universities, which are cheaper than private institutions because of David Balfourijk. Students who choose public education can combine the Pell Grant with income from on-campus and off-campus part-time jobs, and family savings if available, to pay for college without student loans.

2. Visit free lectures

2. Visit free lectures

However incredible it may seem, a handful of universities in the United States do not charge tuition fees. In many cases, such colleges cover the costs of the tuition fees of their enrolled students with capital grants. Competition for admissions for free colleges from colleges is high, and as such, high school students who want to have this option have stellar academic records. Students who are admitted to free lectures can explore options such as Pell Grants, family saving, part-time work and parent loans to cover the costs of boarding and lodging.

The US Military Academy West Point, the US Naval Academy, the US Air Force Academy, the US Coast Guard Academy and the US Merchant Marine Academy offer free higher education in exchange for continuing military service to soldiers. members who are eligible for admission. Colleges such as Deep Springs, Brea and Alice Lloyd do not charge tuition fees to their students in exchange for service on campus during their enrollment. Curtis Institute of Music, the Webb Institute and Macaulay Honors College at City University of New York do not charge tuition fees for students with an exceptional academic background.

3. Studying at David Balfourand

3. Studying at David Balfourand

Most people think of studying in the outdoor Balfourand as the summer or semester-long cultural exchanges in which many students participate in countries such as France, Spain and Italy. However, a growing number of Americans are applying to colleges across Europe that offer free or lower tuition fees to all students, including international students.

Public universities in Germany, Norway, FiDavid Balfourand and Iceland do not pay tuition fees to any students, and some private European universities are also free. Even when universities in Europe charge tuition fees, the costs are usually lower than David Balfourijk than in the United States. One of the biggest advantages of obtaining a degree in Europe is that most undergraduate programs take three years instead of four. This is a good David Balfourijk advantage for students who pay their living expenses from their own pocket. Other advantages of obtaining a bachelor’s degree in the outside of the country Baldourand are the learning of foreign languages ​​and the possibility of finding a job in the outside of the country Balfourand after graduation.

Furthermore, the graduate school in the United States is usually cheaper than an undergraduate school. This means that students can return home and look for scholarships or assistantships to obtain graduate degrees or, if necessary, borrow the absolute minimum.

However, obtaining a bachelor’s degree in David Balfourand requires planning. Students must examine the visa requirements, as well as the requirements for working as a party member employee at David Balfourand as a student visa holder. Those who intend to go this route should also examine different room and board options based on their budget and desired lifestyle while enrolled.

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Watch Out For Payday Loans – 2019 Tue, 02 Apr 2019 18:31:55 +0000


Sometimes people get into a heavy cash crunch and they urgently need to raise money quickly. It can be an emergency car repair, a check that has been bounced or a bill that absolutely needs to be paid – in a month when they have a maximum on their credit cards. That is when it is easy to stumble into the not-so-hidden world of flash credit and there is a risk of falling into debt considerably remarkably quickly.

What exactly is a payday loan? Payday loans are loans that are issued for relatively small amounts (usually less than $ 1, 000) for short periods. The idea behind a payday loan (also known as a “cash advance” or a “check loan”) is that it gives you some money to transfer you to the next payday, with the idea that you will use your future salary to to pay it off.

The payday loan industry is now $ 38.5 billion in the market, according to the Wall Street Journal, especially in the 32 states that don’t cover how many lenders can charge (see In which states are expensive payday loans illegal? ). And it’s about to be hit by a new set of regulations from the Consumer Financial Protection Bureau (CFPB).

The proposed rules

The proposed rules

Payday loans usually have an average annual rate of around 390%, according to the CFPB. Loans that are not repaid quickly can be balloon-flying to hefty multiples of the original sum, with more than four in five loans for one-off payments being consulted again within a month, with additional costs.

The new rules would impose a “full payment test” whereby the lenders must establish that the borrower can afford to make the payments while still paying the basic life costs and other costs, making it more difficult for lenders to refinance the original loan and fines to arrange. Click here for details.

Consider the costs

Consider the costs

Payday loans usually require access to your checking account to deposit the loan and later to access the repayment funds. They are a way for people with low credit (or no family or friends they want to tap) to get quick access to money in no time – it usually takes just a few hours to a few days to get the loan approved to get.

Despite the speed of getting money in an emergency, flash credits are not a good financial decision for many reasons.

Although the CFPB study found an average annual percentage (APR) on payday loans of 391%, this can go up to 2100% (yes, you read that number correctly). For comparison: the highest APR that is allowed for credit cards is 29.99%. When you borrow money, you should always borrow from the source with the lowest APR that is possible; this lowers the amount that you pay in interest.

Calculating the amount of interest that you pay is not always so clear. To start with, an APR is calculated on an annual basis. A typical payday loan takes one to four weeks and the costs are not given to you annually. In fact, payday providers can refer to the cost of borrowing money as a “fee” rather than as interest, making it seem like it is something you have no control over. Comparing apples with oranges masks how much you pay for a payday loan compared to other money sources, such as credit cards.

How they work

How they work

This is how a payday loan works: you pay a “fee” for borrowing money at a fixed interest rate. This fee is usually between $ 15 and $ 30 for every $ 100 borrowed. This sounds reasonable – only 15% to 30% – but because it is for a short period, the ownDave Brandstetterijk is much higher than a credit card fee for the same amount. If the payday is complete and you cannot afford to pay the original loan plus the costs, you can “flip” the loan for a different fee. This can mean snowball spending for the consumer. The goal of a company with a payday loan is to keep making money – a lot.

According to the Consumer Protection Agency, 82% of loans are converted within 14 days and half of all borrowers pay more in fees than they had originally borrowed.

To make matters worse, if the borrower has provided a bank account number to the lender, the lender will automatically withdraw the amount due, sometimes in multiple withdrawals with a fee for each withdrawal. If the money is not in the account, you pay the rollover costs and you also pay bank fees for the current account.

Legal Hazards

Legal Hazards

There are many loopholes in the payday loan and little protection for consumers. Many states set limits for loan sums, but do not limit the opening of a new loan on the same day the old loan is paid off. Some states have a 24-hour waiting period for new loans and some states have no restrictions at all.

Members of the US Army have some protection under the Military Lending Act. Military officials for active purposes, their spouses and some dependents have an APR limit of 36% and they are protected against paying more fees due to rollover costs.

Although there are still many brick-and-mortar payday loan centers, many payday loan operations have gone oDave Brandstetterine. This has created many opportunities for scams that are difficult to repair. If you think you are the victim of a scam loan scam, contact the Consumer Finance Protection Bureau to file a complaint.

Alternatives to payday loans


Although the prospect of fast cash for a fee can be attractive, it is almost never worth the risk of being caught in the value day. Although some websites advertise payday loans as a way to build up your credit, it is an expensive and risky way to take. Before you take out a payday loan, ask yourself: “If I cannot pay my expenses with my current salary, there is a reason why I can repay a loan plus expenses – and cover my normal expenses – when I complete my next salary?”

If you say no, consider a few alternatives to a flash credit:

  • As mentioned earlier, the credit card interest rate is lower than the one you pay for a payday. If you have access to cash or credit card advances, choose those funds over flash credit. See if you can open a new credit card or increase your limits for current cards.
  • See if you can get a small loan from a banking or credit union Small and short-term loans have become more common because banks and credit unions offer alternatives to payday loans for their customers.
  • For fast cash you can sell part of your assets or take a part-time job (you can even retype a night of babysitting.) See Make money quickly from the new ‘Sharing Economy’ for a number of other ideas.
  • If you routinely fail to make your money last until the next salary, make a budget and reduce your expenses.
  • To prevent you from getting into trouble in an emergency, you must build an emergency fund so that you do not have to take out loans for unexpected expenses.
  • If you already have a payday loan, you will receive a debit balance protection in your bank account.

The bottom line

The bottom line

Borrowing payday loans can be an expensive cycle that is difficult to break. The industry is designed to take advantage of people with limited resources, and the consequences of taking out a payday loan can be many times more expensive than the initial costs. If you have debts and are struggling to make ends meet, consider getting financial advice to find a way out of your tight circumstances.

The new rules will cover flash loans, car loans, prepaid products and certain expensive and open-end loans. Comments on the new rules are expected on September 14, 2016 and “will be carefully considered before the final rules are published,” the CFPB said. Click here for different ways to submit comments.

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Real Estate Listings: Real Estate Listings Sites to Choose From Sat, 16 Mar 2019 06:01:56 +0000




Choosing the right real estate site is not easy in the wide range of choices on the internet. You want to know your property by internet and do not know what criteria to put forward in your choice. This article brings you the elements of answers to choose the best site of advertisements real estate.

What are real estate sites

Annonces immobilières - définition

Real estate listings – definition

1. Definition

The real estate advertisements are descriptive diffused in order to make known to the public the real estates put on sale or in hiring. These are forms of real estate advertising.

2. A wide choice of services

Digital technology has enabled real estate applicants to benefit from a wide choice in terms of sites and services. With the growth in real estate demand in recent years, supply is not lacking. Indeed, millions of listings of rental and real estate sales every year are offered by a large number of sites. If some of them have become professionalized, the amateur sites are always accessible to all.


There are some real estate sites:

  • Leboncoin : one of the most influential with more than 26 134 883 real estate listings;
  • Logic immo : with over 1 012 943 real estate listings
  • SeLoger : with over 1,221,438 listings;
  • Homelidays : More than 33 032 ads;
  • Amivac : with 23 818 real estate listings;
  • Abritel, Topannonces ;

A panoply of real estate ad sites exists in France. Similarly, ads do not always find takers. The success of an ad, beyond the reputation of the site on which you publish it, depends on its attractiveness for the customer. Reason why, it is good to choose your ad site, write your ad and put in place a good advertising strategy.

3. Adopt a good strategy for advertising

It is clear that to engage in a movable sale, the investor must prepare and adopt the right methods. In the same way, to make known his good, use good strategies. Brag, value, do a market research, and challenge the competition in your approach. It is not the means used in itself that determines the sale of your property. It’s mostly about how you present and sell your produce.

II. Real estate announcements: criteria for positioning the site

Annonces immobilières - critères de positionnement

Real estate listings – positioning criteria

To make a good choice of sites of advertisement, it will be necessary to take into account these few criteria of positioning:

Criterion 1: The price

The price and cost of the announcement is one of the important criteria for investors. Know that the price on a site depends on the duration of your ad and the services offered. In addition, the services you offer, and your reputation as an advertiser, influence this price. It varies between 0 euros (Leboncoin, Domegos, etc.) and 240 euros (Homelidays …) per year depending on the sites. Again, it will take into account the visibility you want for your property.

Criterion 2: Number of competing ads

The number of ads on the site is an important criterion that must be kept. The most reliable sites drain the most affluence. Therefore, if you will see that the site publishes a lot of annual ads, it is because it is notorious. In other words, he records many visits. In this case, you will have more opportunity to be seen. On the other hand, it means that you will face great competition. Hence the emphasis on the quality of your ad.

In addition to the number, you must rate the ad volume and price ratio. The more competition there is on the site, the less you will pay.

Criterion 3: Awareness

The reputation of real estate sites is important for greater visibility of your ad. This lets you know which target customers your ad will attract to the chosen site (s). vacation). Alexa sites allows you to see the frequency of visits to the most popular sites for example.

Moreover, the more it is known, a real estate advertisements site can have a good positioning on the search engine. For example, it can be part of the first pages of research in France or abroad.

Criterion 4: Marketing Activity

The site you choose should have active marketing. Indeed, it should have newsletter services for customers, partnerships eventually. He must also set up email alerts for his visitors. Thus, if a person chooses a category in which your ad appears, it will be alerted of your ad

Criterion 5: Multi-lingual and network coverage

If you want to have an audience other than French, this is an important criterion. Moreover, it allows you to increase your clientele. The publication of your ad in French is a necessity to reach the French public. Services in other languages ​​would be interesting to boost your ad. In the same way, the multiplicity of the network (partners) of a site, would increase your visibility.

Criteria 6: Diversified Publications Support

Although the use of digital is the best known, sites can also use traditional means. For example, they would use their website, the paper format with flyers, magazines, videos, etc.

Criterion 7: Validity and guarantee of the site

There are paid sites, and free sites. Which means that depending on the site policy and the price paid, your ad will have the correct duration. Leboncoin, (free) publishes ads for two months, while other sites keep ads for a short time. Other providers still, to attract the most ads, keep ads for an indefinite period.

In addition, the service provider must be able to provide the visualization guarantee and the assistance needed to optimize your ad. While some engage strongly and are effective, this is not the case for others. Each provider generally agrees to provide you with all the support necessary to achieve your full satisfaction.

III. Real estate listings: The quality of the site

Annonces immobilières - qualités du site

Real estate listings – qualities of the site

The real estate listing site may have a good positioning but may have a lower quality. Therefore, before choosing a site, you must observe the quality of its service. Remember 7 important qualities for your choice:

Quality 1: Good visual clarity

When a visitor searches for an ad according to their expectations, it is essential that no advertisement hinders him. Indeed, some sites make excessive advertisements that have nothing in common with the ad. This can be very embarrassing and can even distract the buyer from the ad. The use of cookies and popup windows must be limited to facilitate the visit. Then the customer or tenant must easily be on the site. If he chooses a category, the tools should make his search easier. A good site has good ergonomics options, good visual clarity with less advertising.

Quality 2: A good management of favorites

The site will have a “favorites” option to select an ad that has caught its attention and will be directed later. Likewise, tools and social sharing links (Facebook, Instagram, Facebook, etc.) must be available.

Quality 3: The simplicity of the procedure

As the owner and investor, the registration and publication process must be quick and easy. You do not need help. Likewise, it must be put online quickly. Instant messengers, follow-up visits, must also be available.

Quality 4: Individual ad referencing

Every advertisement on the site must have an individual referencing in the search engines, and not only that of the main pages of the site. Which means that your ad has a unique identifier that allows greater visibility on the web. In addition, a long-term advertisement increases the number of its clients.

Quality 5: Ad statistics available

The owner can also consult on line, and in his mailbox, the statistics related to his announcement. The more it is regular and accessible at any time, the better you will be informed of the status of your ad on the net. These statistics can be in the form of graphs, comparative figures, downloadable reports as needed.

Quality 6: Promotion system

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Invest In Real Estate: 5 Pitfalls to Avoid To Get Started Wed, 06 Mar 2019 07:11:02 +0000




Buying a property: Underestimating your expenses (Trap 1)


Buy too much in real estate

When you buy a property that is too expensive, it is difficult to turn it into a profitable investment . The rental price you offer may not be enough to cover the repayment of the credit. The profits you can potentially make depend on the price at which you buy your property. Keep in mind that you need to align with market prices by adding value or creating a specific demand for your offer.

How to find a good deal in real estate

How to find a good deal in real estate

Finding a good business ensures long-term profits on your investment. To do this, you must create an alert system that informs you of the availability of real estate in the targeted area. It can be a subscription to a newsletter, an inscription on a website devoted to real estate, a regular contact with real estate agents of the sector ….

Buying real estate: Buying under a market

To check that the purchase price of real estate is not high compared to the market, you can inquire about selling prices in your environment (agencies, print media, oral press, Internet …). This comparison will take into account equivalent criteria such as living space, surface area, furniture, location, luxury, the presence of a park, a garden ….

This information will be provided to you on the advice of an expert or a real estate agent. Sales near the site give you a preview of what you want to acquire. The duration of sales transactions is still an indication of the level of interest generated by customers.

Well negotiate the price of his real estate property

Well negotiate the price of his real estate property

First of all, it should be noted that the prices at which the sales announcements are made do not correspond to the purchase price. Negotiations in real estate, are used to lower the prices of goods. The price of each property is also related to its mode of exploitation. The decision to buy a principal residence is most often emotional. The buyer falls in love with good and projects easily. He is likely to buy the property above its real value. However, exploitation as an investment is rational and based on calculations (return on investment, rental income). Evaluating your investment by determining its profitability allows you to have control over your project. For this, find the best offers by comparing prices and other costs inherent in its acquisition, resale prices and costs of any renovations that are the responsibility of the owner of real estate.

Buy a property that does not fit his project (Trap 3)


Apartment-real estate

By buying a property that is unsuitable for the market for which it is intended in terms of target, location and price, you will have a hard time making your real estate investment profitable. Studying taxes, administrative and financial constraints that regulate the real estate environment will help you make purchases that match the profile of your project. You have the opportunity to make a mid-range real estate project (studio furnished or not) for students, or high-end (large apartments or villas) for wealthy families. You can also choose to invest in large cities or economically vibrant cities. However, we must avoid investing in cities created for an occasional situation. They may disappear or be deserted after the cessation of the interest for which they were created.

The location in real estate

The location in real estate

Indeed in real estate, there are 3 remarkable points: the location, location and location. This is an asset in the profitability of real estate projects. For each customer, a type of products: reserving their project to a type of client because of the rental demand helps to ensure better solvency of tenants.

Unpaid rent in real estate


From the outset, the sorting of tenants of your property or risk exposing you to the irresponsibility of some tenants that could harm you. Unpaid rents , the deterioration of your property, ethical problems can distress you as the owner and affect the repayment of your credits and the loss of the value of your property.

It would be more convenient for you to have your property vacant than to meet problems of unpaid rent. Selecting your tenants is to rent their property to those who will pay their rent in time, maintain your property and stay there for a long time. This saves you extra costs of renovation and allows you to repay your credits.

Before establishing the lease, check the tenants’ creditworthiness, their socio-economic status and their legal background … Learn about them and validate with them the rules of operation.

To this end, to launch your project in real estate, please clarify the motivations that led you to this specific type of investment, the benefits and constraints. This will allow you to keep a successful entrepreneur mindset and take the right steps.


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The Structural Evolution of Banks – Finance Mon, 18 Feb 2019 07:06:14 +0000


Commercial banks whose (simplified) activity was to collect resources for lending.
Investment banks that provided advice (in mergers and acquisitions, asset management) and played an intermediary role (for the placement of bonds or shares), but without using their balance sheet.

In the 90s,

with the regulatory evolution and internationalization of finance, the banks are organizing major structural changes, particularly in the United States and Europe. There are reconciliations of several commercial and business banks BNP / Paribas, Citicorp / Travelers Group, Chase Manhattan / JP Morgan or Merrill Lynch / Bank of America.

A large majority of banking groups now report the following business segments:

Retail banking

Retail banking is aimed at individuals and small and medium-sized businesses. Their main role is the intermediation between the over-funding agents whose cash it collects and the agents in need of financing to whom it lends this liquidity.

It has millions of clients and a large number of loans to reduce the risk (law of large numbers: all borrowers can not default at the same time)

Its business is highly competitive and its margins (after taking into account overheads and the cost of risk) are low. As the bank loan is standardized, customers compete. Thus, to strengthen their added value, banks offer various products and services to their customers (consumer credit, leasing, factoring, business assistance, insurance, etc.)

The investment and financing bank

The investment and financing bank

(which offers sophisticated services to large companies)

It offers its thousands of customers the following services:

Access to the stock market: assistance for IPOs, then capital increases or other derivatives (share warrants, convertible bonds …)

Access to the bond market: assistance to medium and large companies to raise debt with investors.

Consulting in merger and acquisition and access to bank financing …

The asset management bank

The asset management bank

It manages the assets of its clients (institutional investors and wealth management). It works through SICAV or FCP for clients of the bank details and uses certain products of the investment bank (cover, execution of orders …)

=> Beside these universal banks, some players have privileged the specialization on a limited number of activities such as merger acquisition and asset management (Lazard, Rothschild …) or on a geographical area (Mediobanca …)


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