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STUDENT LOAN CONSOLIDATION

February 5, 2017 in Uncategorized by admin  |  No Comments

Student Loan Consolidation

Student loan consolidation is a way to slim down your monthly financial burden.

Going to college is very important. Even once married couples still continue to go to college. This is because you have better future if you are able to finish college and this is true of most other countries.
To help you with this important factor in your life, student loans are available to help finance you go through college. However, students can end up knee-deep in student loan debt..If you are one of these students, you need not despair; you may shop around to find the best student loan consolidation entities to help you in the process of getting out of debt.

Student loan consolidations can help reduce your monthly payment of up to 50%.You cannot find any better deal than that.

Reducing your monthly payment will mean that you can have some spare money for other purposes. Student loan consolidation will help you have some money to meet other expenses like car payments, household needs, and childcare.

Additionally, because of the student loan consolidation program, your credit rating will improve and you can even extend your paying period from the usual ten years to as long as thirty years. You may also find a student loan consolidation company that will give an additional discount on the interest rate on top of the savings from the consolidation. This will also lessen your monthly financial burden.

If your student loan is under the federal direct student loans, you may qualify for the best federal direct loan consolidation program. In this program, in addition to the 50% or more reduction in your monthly payments, there is a lock in lower interest rate available for you. This lock in lower interest rate will shield you against inflation rates. This will mean that you will not have to worry about additional charges due to the inflation rate fluctuations.

To top it all off, the student loan consolidation deal under the federal direct program is easy to apply, and there are no fees, credit checks, application fees, or additional charges.

If you are not sure if your student loans are under the federal direct student loans program, you may check out the Internet. Match your student loans listed to see if they will qualify for the student loan consolidation program.

You can also find on the Internet additional information that you can use to help you get out of that knee-deep debt.

WHAT CAN 8 DO FOR YOU?

March 31, 2016 in Uncategorized by admin  |  No Comments

INVEST LIKE THE BANKS
WHAT CAN 8
DO FOR YOU?
• 8% per annum can help you get off the stock market roller-coaster!

• 8% per annum can give you and your retirement peace of mind!

• 8% per annum can give you access to an investment with collateralized real estate!

HAVE YOU ASKED YOURSELF THIS SIMPLE QUESTION?

– HOW DO THE BANKS CONSISTENTLY MAKE STEADY PROFITS ON THEIR PORTFOLIOS?

THE ANSWER IS SIMPLER THAN YOU CAN IMAGINE
Contact me
Syndicated Mortgage Investments are structured to give investors an 8% per annum interest plus a 4% per annum end of term bonus. We focus on niche sectors like Alzheimer’s and Dementia Care, Low to Mid-Rise residential buildings and Medical Arts Facilities.

Non-Volatile
If you are tired of investing in the stock market or not comfortable with the volatility, you should consider adding Syndicated Mortgage Investments to your portfolio.
Collateral
2
Syndicated Mortgage Investments are first mortgage investments secured by the underlying land and subordinated only to construction financing. All investors go on title against the underlying property.
Flexible
3
Investments are eligible for registered (RRSP, RESP, TFSA etc.) and non registered funds.
OR
IN ORDER TO GET THE 8% PA , ANOTHER AVENUE TO CHECK OUT AND CONSIDER IS SMALL AND MEDIUM SIZED BUSINESSES. HOWEVER, the best investments take a considerable amount of time and research. Most people sell their businesses through a realtor or a business broker. You may want to add to that list all professionals you may already be dealing with like your accountant, banker, lawyer, turn-around specialists, bankruptcy and trustees.
If you are an investor or business person looking for an exceptional rate of return you may wish to speak with business professionals who restructure companies and assist to bring companies into a profitable position. They usually have several types of businesses that come available with some rates of returns of 6- 18% depending on the type of business, real estate development or construction project. The type of business or investment would determine the type of security offered. Some construction and development projects offer rates of return in the 10-12% PA secured by first mortgage on the property. Some are paid out of trust funds. Some projects and businesses are RRSP and RESP eligible. The options are only limited by the experience of the professional you deal with.

When you have found a business that interests you and you believe it is an opportunity, ALWAYS TAKE IT TO YOUR ACCOUNTANT, LAWYER OR BUSINESS PROFESSIONAL FOR AN OPINION. THE FEE YOUR PROFESSIONAL WOULD CHARGE TO REVIEW THE OPPORTUNITY MAY BE THE BEST INVESTMENT YOU EVER MADE.
For further information on the many opportunities available or if you have a general business question please contact:

A & M PROFESSIONAL NETWORK

THINGS YOU SHOULD DO 3-5 YEARS BEFORE YOU RETIRE

March 17, 2016 in Uncategorized by admin  |  No Comments

THINGS YOU SHOULD DO 3 TO 5 YEARS BEFORE RETIRING

1. Fix up your house. Do all the renovations and repairs that need to be done while you still have your higher income. In the event repairs or renovations go higher than expected you can still adjust your retirement date to accommodate paying off those expenses before you retire.
2. Pay off your home. Paying off your home or downsizing to a smaller home is one of the most effective ways of reducing your monthly expenses when you enter retirement. Most people are carrying housing debt 60 -65% of their income which would be devastating if you took those costs into retirement.
3. Pay off your vehicle. Paying off your vehicle before retirement is beneficial. Reduction in auto expenses if the vehicle is not too old or in the recent past you have been plagued with repairs. You want to consider purchasing a newer vehicle a couple of years before retirement.
4. Pay off debt. You definitely don’t want to carry any credit card debt or any payment plans into retirement especially those that have a balloon payment. Many furniture companies offer one or two years with no payment but in the second or third year you have a balloon payment if you do not pay in full all the interest is charged back to day one and added to your debt.
5. Tighten your budget- calculate what will be your income when you retire and live on those limited funds for a period of time before you retire. The sooner you do this exercise the better as if you cannot live on it you have time to adjust your situation.
6. Do a financial plan that incorporates the benefits offered by various branches of government. This can be assistance on housing costs, medical , etc. Most community centres carry brochures on these benefits s for people over 60.
7. Draft the lifestyle you want to live when you enter retirement. This can be where do you want to live, how many vacations per year, activities you would like to explore, etc
8. Start to scale down. Selling or giving away items you no longer want or need.
9. The motto should be travel light.

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