Monthly Archives: July 2019

Strategizing An Auto Loan Payment Despite Low Income

Buying a car is an expensive affair. Every household requires a car or two for daily chores or commuting to work. However, buying a car and acquiring an auto loan becomes a challenge when the total income in your house is low. Purchasing a new car can put a huge dent in your already confined budget. Sourcing monthly payments for your dream car may seem like a distant dream. But if you correctly strategize your income, obtaining a low income auto loan and buying the car of your dreams can become a reality.

Which Strategies will help you to get a Low Income Auto Loan?

Conceptualize. Strategize. Improvise.

1) Show Discipline in Savings

Once you receive your monthly income, it is only a matter of time before it is all spent. Inculcating a habit of savings will ensure that you have accumulated enough funds for the long run. Financial strength proves that you are credit worthy and will be able to timely repay your auto loan. The threshold income required to provide an auto loan ranges from $1600 to $2000 monthly. Therefore, if you commit to save a certain percentage of your income, making a car payment will become an easy task.

2) Share the Liability

Obtaining a low income auto loan can become simple if you share the liability with a co-applicant. A co-applicant is a person who is taking equal ownership of the car and the payment of the loan. In case, you cannot find a co-applicant, a co-signer can always act as a guarantor for payment of the auto loan. The presence of a co-applicant or a co-signer builds trust in the mind of the lender and he/she becomes more willing to lend you the money.

3) Stability of Employment

Evidence of current employment goes a long way in building a positive perception. Presenting proof of a stable job or a consistent income will get you one step further in getting a low income auto loan. Additionally, a stable employment indicates that you will be financially sound to make future payments. If you are self-employed, you must show tax returns of last two years to establish your reputation.

4) Shed a Large Portion for a Down Payment

When the income is low, down payment becomes an important tool to prove your credit worthiness. The underlying benefit of a large down payment is a low interest rate. As the total amount of the loan decreases due to a down payment, the duration of the loan also decreases. Thus, a large down payment will help you to plan your future budget for the auto loan payments.

Surely, it takes consistent time and effort to save money to buy a car. However, patience, commitment and strategizing your income correctly will assist you in obtaining a low income auto loan.

Avoiding The Scams: Buying Vitamins And Nutritional Supplements On The World Wide Web

In the 21st century, an every growing number of men and women are flocking to the Internet and World Wide Web to make purchases of products and to engage services from different providers. One type of product line that now is offered in abundance on the Internet is that of vitamins and nutritional supplements. At the present time there literally are thousands of different website venues that cater to people who are interested in purchasing and utilizing vitamins and other nutritional supplements.

Unfortunately, there is a small segment of the Internet market consisting of scams and flim-flam artists. There are people who have created less than reputable sites in the vitamin and nutritional supplement business. Naturally, if you are new at seeking these types of products online, you will want to avoid these types of disreputable sites. There are some tips and pointers that you should keep in mind when seeking reputable sites on the Internet that are involved in the vitamin and nutritional supplement trade.

First of all, if you are a novice at seeking and purchasing vitamins and nutritional supplements online, seek at those websites that have been established in business for a reasonable amount of time. Of course, there are websites that deal in these products that crop up all of the time — and many of these sites are very good. However, until you get your feet wet and understand what to look for in regard to legitimate websites that market vitamins and nutritional supplements, you will be better served by relying on those sites that have been better established.

Second, as you go about looking for a reliable website from which to make the purchase of vitamins and nutritional supplements, get references from other people who have used one or another. In many ways, referrals and recommendations are the best way through which you can make reasonable and educated decisions about which websites to select when you are in the market for vitamins and nutritional supplements for your use and for use by your family.

By educating yourself and by taking your time in researching different websites, you will be able to find a reliable and reputable venue through which you can make the purchase of vitamins and nutritional supplements.

Income Investing: Selecting the Right Stuff

When is 3 percent better than 6 percent? Yeah, we all know the answer, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates. We’ll be told to sit in cash until rates stop rising, or to sell the securities we own now, before they lose even more of their precious Market Value. Other gurus will suggest the purchase of shorter-term bonds or CDs (ugh) to stem the tide of the perceived erosion in portfolio values. There are two important things that your mother never told you about Income Investing: (1) Higher Interest Rates are good for investors, even better than lower rates, and (2) Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult.

Higher Interest Rates are the result of the Government’s efforts to slow a growing economy in hopes of preventing an appearance of the three headed inflation monster. A quick glance over your shoulder might remind you of recent times when the government was trying to heal the wounds of a misguided Wall Street attack on traditional investment principles by lowering interest rates. The strategy worked, the economy rebounded, and Wall Street is trying to scramble back to where it was nearly six years ago. Think about the impact of changing interest rates on your Income Securities during the past five years. Bonds and Preferred Stocks; Government and Municipal Securities; they all moved higher in Market Value. Sure you felt wealthier, but the increase in your Annual Spendable Income got smaller and smaller. Your total income could well have decreased during the period as higher interest rate holdings were called away (at face value), and reinvestments were made at lower yields!

How many of you have mental bruises from the realization that you could have taken profits during the downward trajectory of the cycle, on the very securities that you now lament over. The nerve; falling below the price you paid for them years ago. But the income on these turncoats is the same as it was in 2004, when their prices were ten or twenty percent higher. This is the work of Mother Nature’s financial twin sister. It’s like acorns, snowfalls, and crocuses. You need to dress properly for seasonal changes and invest properly for cyclical changes. Remember the days of Bearer Bonds? There was never a whisper about Market Value erosion. Was it the IRS or Institutional Wall Street that took them away?

Higher rates are good for investors, particularly when retirement is a factor in your investment decisions. The more you receive for your reinvestment dollars, the more likely it is that you won’t need a second job to maintain your standard of living. I know of no retail entity, from grocery store to cruise line that will accept the Market Value of your portfolio as payment for goods or services. Income pays the bills, more is always better than less, and only increased income levels can protect you from inflation! So, you say, how does a person take advantage of the cyclical nature of interest rates to garner the best possible income on investment quality securities? You might also ask why Wall Street makes such a fuss about the dismal bond market and offers more of their patented Sell Low, Buy High advisories, but that should be fairly obvious. An unhappy investor is Wall Streets best customer.

Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult, but it does require a change in focus from the statement bottom line… and the use of a few security types that you may not be 100% comfortable with. I’m going to assume that you are familiar with these investments, each of which could be considered (from time to time) for a spot in the well diversified Income Portion of your Asset Allocation: (1) The traditional individual Municipal and Corporate Bonds, Treasuries, Government Agency Securities, and Preferred Stocks. (2) The eyebrow raising Unit Trust varietals, Closed End Funds, Royalty Trusts, and REITs. [Purposely excluded: CDs and Money Funds, which are not investments by definition; CMOs and Zeros, mutations developed by some sicko MBAs; and Open End Mutual Funds, which just can’t work because they are really “managed by the mob”… i.e., investors.] The market rules that apply to all of these are fairly predictable, but the ability to create a safer, higher yielding, and flexible portfolio varies considerably within the security types. For example, most people who invest in Individual bonds wind up with a laundry list of odd lot positions, with short durations and low yields, designed for the benefit of that smiling guy in the big corner office. There is a better way, but you have to focus on income and be willing to trade occasionally.

The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual securities of all kinds have liquidity problems, higher risk levels than are necessary, and lower yields spaced out over inconvenient time periods. Of the traditional types listed above, only preferred stock holdings are easily added to during upward interest rate movements, and cheap to take profits on when rates fall. The downside on all of these is their callability, in best-yield-first order. Wall Street loves these securities because they command the highest possible trading costs… costs that need not be disclosed to the consumer, particularly at issue. Unit Trusts are traditional securities set to music, a tune that generally assures the investor of a higher yield than is possible through personal portfolio creation. There are several additional advantages: instant diversification, quality, and monthly cash flow that may include principal (better in rising rate markets, ya follow?), and insulation from year-end swap scams. Unfortunately, the Unit Trusts are not managed, so there are few capital gains distributions to smile about, and once all of the securities are redeemed, the party is over. Trading opportunities, the very heart and soul of successful Portfolio Management, are practically non-existent.

What if you could own common stock in companies that manage the traditional Income Securities and other recognized income producers like real estate, energy production, mortgages, etc.? Closed End Funds (CEFs), REITs, and Royalty Trusts demand your attention… and don’t let the idea of “leverage” spook you. AAA + insured corporate bonds, and Utility Preferred Stocks are “leverage”. The sacred 30-year Treasury Bond is “leverage”. Most corporations, all governments (and most private citizens) use leverage. Without leverage, most people would be commuting to work on bicycles. Every CEF can be researched as part of your selection process to determine how much leverage is involved, and the benefits… you’re not going to be happy when you realize what you’ve been talked out of! CEFs, and the other Investment Company securities mentioned, are managed by professionals who are not taking their direction form that mob (also mentioned earlier). They provide you the opportunity to have a properly structured portfolio with a significantly higher yield, even after the management fees that are inside.

Certainly, a REIT or Royalty Trust is more risky than a CEF comprised of Preferred Stocks or Corporate Bonds, but here you have a way to participate in the widest variety of fixed and variable income alternatives in a much more manageable form. When prices rise, profit taking is routine in a liquid market; when prices fall, you can add to your position, increasing your yield and reducing your cost basis at the same time. Now don’t start to salivate about the prospect of throwing all your money into Real Estate and/or Gas and Oil Pipelines. Diversify properly as you would with any other investments, and make sure that your living expenses (actual or projected) are taken care of by the less risky CEFs in the portfolio. In bond CEFs, you can get un-leveraged portfolios, state specific and/or insured Municipal portfolios, etc. Monthly income (frequently augmented by capital gains distributions) at a level that is most often significantly better than your broker can obtain for you. I told you you’d be angry!

Another feature of Investment Company shares (and please stay away from gimmicky, passively managed, or indexed types) is somewhat surprising and difficult to explain. The price you pay for the shares frequently represents a discount from the market value of the securities contained in the managed portfolio. So instead of buying a diversified group of illiquid individual securities at a premium, you are reaping the benefit of a portfolio of (quite possibly the same) securities at a discount. Additionally, and unlike regular Mutual Funds that can issue as many shares as they like without your approval, CEFs will give you the first shot at any additional shares they intend to distribute to investors.

Stop, put down the phone. Move into these securities calmly, without taking unnecessary losses on good quality holdings, and never buy a new issue. I meant to say: absolutely never buy a new issue, for all of the usual reasons. As with individual securities, there are reasons for unusually high or low yields, like too much risk or poor management. No matter how well managed a junk bond portfolio is, it’s still just junk. So do a little research and spread your dollars around the many management companies that are out there. If your advisor tells you that all of this is risky, ill-advised foolishness… well, that’s Wall Street, and the baby needs shoes.

The final article in this Income Investing trilogy will be on managing the Income Portfolio using the Working Capital Model.

Three Weapons Against Cancer

Among the unlucky realities of our instances is cancer. A lot of humans are bothered with it and plenty of, if not maximum, of them pass away because of this dreaded sickness. There is not any acknowledged cure and people who’re diagnosed with it one way or the other experience that they’ve just had a existence sentence even till now. Good matters pop out of what might also appear to be awful reviews, and this has led us to studies proving that while the sickness won’t be absolutely cured once it sets in, it is able to be avoided without a doubt by practising true behavior in the course of one’s existence. There are 3 areas or elements we ought to inspect – weight-reduction plan, life-style and information.

A splendid percentage of the sickness we can settlement in our lifetimes can have something to do with the food we consume. In phrases of cancer prevention, processed meals is something we ought to consume less of due to the preservatives it consists of. Most preservatives are carcinogenic (cancer-inflicting) and in order for us to spare ourselves of this risk, we may additionally definitely cut back on, if now not definitely remove, processed meals in our weight-reduction plan. Extreme quantities of sodium or salt and sugar need to additionally be avoided if one have been to save you most cancers. To improve our frame’s resistance in opposition to most cancers-inflicting retailers, it is right to consume natural food with high fiber and antioxidant content consisting of berries, broccoli, cauliflower, oranges, crimson apples and many others.

The manner of lifestyles is another aspect we need to don’t forget changing appropriately if we’re to fight the dangers of cancer as we meet them in our daily lives. Living in opposition to most cancers may be as easy as training common sense including keeping one’s perfect weight, exercise often and getting sufficient sleep – at least, eight hours of restful sleep which simplest occur at night. Simple such things as taking day out to know whether a ability sexual companion has the most cancers-causing human papilloma virus can imply a outstanding deal when seeking to avoid most cancers. Sleep is some thing many humans take for granted nowadays as they get so engrossed with their careers or social lives. Yes, there is a distinction when you sleep eight hours at daylight and whilst you do at night. Our our bodies are engineered in this sort of manner that sleeping at daylight hours cannot be sufficient to atone for loss of sleep at night time. At least eight hours each night time is enough.

Knowledge of things which can reveal us to most cancers is important for us a good way to avoid it. When we understand electromagnetic fields can motive the disease, we will genuinely keep away from or reduce our publicity when we will to X-rays or other methods characterised by way of ionizing radiation that is a acknowledged purpose of cancer. Environmental risks which are inherently capable of causing cancer in humans ought to additionally be avoided. Heavy metals, unstable organic compounds, pesticides and so forth are among those.

You can explore collectively natural most cancers cures which sell holistic most cancers remedy when you have a member of the family who has the ailment. This might also come as a new concept, but it’s far some thing well worth a attempt if it method possibly locating the answer to overcoming the most cancers in any shape it may come.