Year2019

The best investment

After many years on the market, this is still the most frequent question and the most appropriate answer is “it depends.” It depends on your goals, your profile and how much you have to invest. But at first, a good candidate for better investment is the investment fund.

Do you also want to know what the best investment is?

Do you also want to know what the best investment is?

In general, the portfolios of the funds consist of public bonds, private bonds or shares of the local market. You can also buy the bonds directly, but deciding for a public or private, pre, postfixed, or inflation-indexed bond is not a simple task. Private securities are exposed to risk and in the case of stocks, Petrobras, Vale and steelmakers are no longer a guarantee of good profitability. The market changes and in the last five years it has changed a lot. Basic materials are giving turn to other sectors and companies in a new cycle and the performance of a stock portfolio depends on a good selection.

Achieving efficient diversification that minimizes risk and increases profitability is work for qualified, experienced professionals using advanced technology and rigorous control systems.

With so many possible combinations, the fund manager and his team of economists and analysts determine the portfolio arrangement. In this team there are also the operators who execute the purchase and sale orders.

Investment funds 

Investment funds 

Investment funds can also operate in the foreign exchange market, a variety of currencies that flee from the best known dollar and euro. Since the price of a currency is a reflection of the country risk, the differential between the real domestic and external real interest rate and the commodity price, the currencies are high risk investments, but can be translated into large returns.

With funds it is also possible to invest in commodities – from maize to gold – and in the most diverse strategies with derivatives to potentiate gains or protect from unexpected variations.

Derivatives, at the outset, were mostly used to protect producers, suppliers, exporters and importers from times of great fluctuations, but they were then used by investors for higher returns. Although available to individual investors, they are most efficiently employed by financial and business professionals.

If you are thinking of savings account …

money

This is the simplest and most traditional option, but it is far from good investment. In addition to the low profitability, did you know that withdrawals outside the anniversary date cause loss of profitability accumulated in that period? For example, if you apply $ 5,000 on the 10th of a month and redeem on the 1st of the second month of the application, it will only pay for the first month’s profitability. Profitability is only guaranteed for birthday applications.

One advantage of savings is that the balance of up to two hundred and fifty thousand reais is guaranteed by the FGC (Credit Guarantee Fund) in case of insolvency or bankruptcy of the institution. The Income Tax exemption for this investment is another advantage, but is not it better to pay tax and have higher profit? Any more base point makes a difference in the long run – you can trust.

How Do I Get the Best Personal Loan Rates?

Best personal loan rates

Best personal loan rates

Getting the best personal loan rates is similar to getting good rates on many other types of loans, such as a credit card, mortgage, or auto loan. To get good loan rates, it is necessary to have a good credit score and a good credit history. Sometimes, however, it may be a little harder to get a good interest rate on a personal loan simply because this is often unsecured debt.

Unsecured debt is debt that has no security associated with it. Collateral can be a car, a home, or a boat, for example. These items of value that can be withdrawn if you fail to make payments. A credit card is an example of unsecured debt. Most personal loans are also uncertain, but there are exceptions

In fact, one way to get better personal loan rates is to secure the loan with certainty.

Check your credit score and credit history

Check your credit score and credit history

Before you even apply for a personal loan, it is important to check your credit score and credit history. Although your credit report can usually be obtained free of charge once a year, you must pay a small fee to receive your current credit score. If there are errors on your credit report, you can start taking steps to correct them. Paying down any balance on credit cards will also improve your credit rating. A high credit score and credit history, as well as on time bill payments, will make it much more likely that you will be approved for a personal loan and will be given good personal loan rates.

Once you have checked your credit reports, you can start looking for personal loans. It’s important to shop around for the best personal loan rates – many banks offer deals and you can often get much better rates by just comparing banks. If you have been with a bank for an extended period, however, the bank may be willing to work with you to secure a good personal loan rate.

Another option to get a better price is to have someone cosign the loan with you. If your credit score or credit history is poor, a cosigner with a better credit history can be a requirement. This can help improve personal loan rates. But keep in mind that the person cosigning for a loan for you is just as responsible for making payments if you fail to do so. This is a great personal responsibility, so be sure not to let your cosigner down.

Business Loan – Is It Worth Using?

Where to get the money to start your own business

Where to get the money to start your own business

Entrepreneurs who achieved success often started from scratch. Not every one of them is at the beginning of his business way to independently cover the investment costs that he would earn in the future. It often turns out that the amount needed to cover the costs associated with the investment significantly exceeds the budget they have. However, they can use the investment loan in such a situation.

Investment loan – is it worth using?

Investment loan - is it worth using?

The investment loan may be used for the purchase of machinery or production lines, real estate intended for business activity, investment in securities or the acquisition of patents and technologies. There are many possibilities. In addition, the investment loan can be used both by companies already operating on the market, as well as enterprises that have just been created and natural persons who are just planning to start their business. The widest selection will certainly have the first ones, but both the development programs and the EU’s assistance offer market is systematically growing.

How to get an investment loan?

How to get an investment loan?

First of all, you need to convince the bank or financial institution that the planned investment is justified – in most cases you will need a good business plan based on a reliable market analysis, positive creditworthiness verification and loan security. Many offers require documentation of a sufficiently long period of the company’s activity, while in the case of natural persons, even settlements with ROR may be taken into account.

Once the loan is granted, it can be paid out once (we receive the appropriate amount in euro or other currency), in tranches and a credit line can be created. The repayment period is usually long – from several months to even a dozen or so years. The borrower is able to obtain a grace period, which means that the installments can be repaid from the profits obtained from the investment.

The cost of the investment loan

The cost of the investment loan

However, before we decide to take out a loan, you have to take into account and its entire cost – primarily interest, the commission, credit insurance and application fee are often – each of these elements can significantly increase the overall cost. The decision must therefore be well thought out in terms of both costs and future options. Nevertheless, it can be said that the investment loan gives the opportunity to grow and can help in achieving profit, increasing the company’s assets or entering new markets. Such perspectives speak for taking risks and trying your strength in business.

Financial Loans: What They Are, Offers With And Without Paychecks For Everyone

Let’s find out what financial loans are and why it can be very useful to request them. All you need to know about this product, with the best offers for all customers, with or without a paycheck. We will see what are the required requirements and what the conditions of the loan.

Financial Loans: what they are and why to request them

Financial Loans: what they are and why to request them

If you need a sum of money to carry out any type of project, one of the most interesting solutions is certainly represented by financial loans. But what are these loans in particular? When we talk about financial loans we usually refer to those that are also called personal loans. So it is a non-finalized loan, for a pre-established amount that can therefore be used by the customer for the purchase of any good or service. When, on the other hand, in the conditions of the financial loan, it is specified that the purchase estimate is required, then it is called a finalized loan. This is the funding that for example is proposed to us when we go to a dealer to buy a car or in an electronics store to buy a smartphone, a PC, an appliance or anything else. In this case, the shopkeeper offers us the opportunity to defer the payment in convenient installments, thanks to the agreement with an authorized credit institution that will deal with the amount equal to the value of the goods or services purchased by fixing the conditions of reimbursement.

The financial loans are therefore perfect for any need, and for this reason they are always in demand. If you are wondering in particular how this type of financing works, everything is very simple. This is a loan provided by all the major credit institutions, which we can contact to receive a detailed cost estimate with the repayment installments provided and the interest rates applied. The installments are monthly and can be set by the customer according to their needs. As for the amount that can be requested, usually the maximum amount of money that can be accessed through a financial loan is 30,000 euros, even if some companies even finance up to 60,000 euros. Once we have defined the amount we want to request, we will have the possibility to choose the duration among those available.

According to the repayment plan of our financial loan, the amount of each repayment installment will be defined, which will remain constant for the entire duration of the loan. In order to have access to the desired credit it is necessary that the customer presents some guarantees, which are defined in the regulation of financial loans offered by the bank or financial institution to which we address. In addition to the age constraint, which usually offers the possibility to make the request only to customers between the ages of 18 and 75, and the constraint on the residence of the client, which must necessarily be on the Italian territory, the most problematic it is certainly the bond on income. All major companies offer financial loans to employees and pensioners, who can present their paycheck and pension slip respectively. As far as self-employed workers can be more complicated, however, through the presentation of the tax return you can have access to the desired amount of money. As for those who are without paychecks and without income there are some alternative guarantees, which we will analyze better in the next paragraphs.

The best offers of Financial Loans for everyone, with or without paycheck

We have generally seen what financial loans are, which are perfect for any need. Let’s see now what are the best offers of financial loans currently available. The solutions that we will present to you are addressed to everyone, with or without a paycheck. As previously stated, for those who have a paycheck to present to the bank there will be no problem in receiving the desired financing. For the second category of customers it is slightly more complicated to receive a financial loan, even if the solutions are not lacking. We have already seen the first one before and this is the presentation of the income tax return for self-employed workers. As for the unemployed, the simplest solution is the presentation of a guarantor. The latter must present in your place the required income guarantees, allowing you to obtain the desired financial loan. A type of loan very interesting for those who are without a paycheck is also the credit on pledge, which allows you to get the sum of money desired by presenting a valuable item or even through a mortgage of a property.

Among the leading companies in the field of financial loans there is certainly Ultranix. Here we can always find great offers for customers with and without paychecks, which will allow us to obtain financing for an amount of up to 30,000 euros, with payment within 48 hours of acceptance of the request. A big advantage of this credit institution is the possibility to choose a duration that goes from 12 months up to 120 months, with super light installments. If you are interested in an even higher amount then among the offers of financial loans currently available, we point out the personal loan of Findomestic. Addressing this company you have the opportunity to receive up to a maximum of 60,000 euros even without a paycheck. We advise you to visit the financial website because good offers are always published, which you can evaluate by calculating the online estimate completely free.

The offers of financial loans are many, which is why the best thing to do is to request different quotes in order to identify the most convenient proposal. If you are looking for a loan of up to € 30,000 you must absolutely consider the Cleopar loans. These can be requested with and without a paycheck, as well as the Flesh Loan from InDirect. If you are interested in pledging loans without guarantees, then we advise you to turn to Custody Valore, which offers loans at advantageous rates thanks to the convenience of the Onecredit network. Again with regard to pledge loans, we point out the ABI bank products, which are added to the solutions proposed by the smallest financial companies present in Italy. In conclusion, we recommend that you contact only authorized credit institutions as behind good deals could also hide scams.

 

 

Funding Loans: Complete Guide

Nowadays, there are many opportunities for young people who want to start or run a company: we are talking about the various funds specifically designed to encourage new businesses. How do they work? From whom are they provided and how is it possible to access the calls made available? Here is a brief guide to non-repayable loans, dedicated to all those who need help to enter the world of work or to start their own business project, but who do not have enough money to cover their initial investments.

Non- repayable loans are a very useful tool for young entrepreneurs, as they involve numerous benefits: first of all, since a certain percentage of the amount should not be fully repaid; secondly, because the sum that must be repaid can be repaid through a particularly advantageous and flexible installment plan, with a very long duration and a much lower interest rate compared to common bank loans.

In the next paragraphs we will explain in detail the characteristics of the main non -repayable loans, and we will explain who can get them and who to contact to make the request.

What are non-repayable loans?

As we said, we are dealing with capital provided mostly by public bodies – such as the European Union, the Italian State, the Regional and Local Administrations, aimed at financing those activities considered socially useful or ‘strategic’ or those sectors that of difficulty and abandonment. Some examples?

  • agriculture, especially if biological or biodynamic: a field often ignored by young people, causing the depopulation of provinces and peripheral areas;
  • female entrepreneurship;
  • non-profit organizations operating in the social sector ( Onlus );
  • companies operating in the recycling of materials, alternative energy and environmental protection sectors;
  • research and innovation;
  • tourism, useful for raising the economic conditions of small towns
  • start-ups initiated by young people, to encourage the entry of new graduates and under 35 into the world of work.

Loans: Who are they paid?

As we said, non -repayable loans are a sort of ‘economic aid’ for nascent companies or for those companies considered worthy, by virtue of their social utility. These capitals are offered, for the most part, by public bodies that belong to the following categories:

  • European Community or European Institutions → this is the most substantial part of the funding available, even if many of them are not properly exploited, due to the lack of visibility they receive within the local administrations and the complicated bureaucratic process necessary to request them. They are mainly intended for the agricultural, education, research and new technologies sector.
  • State Bodies → for the most part, these are preferential loans for young entrepreneurs, the unemployed and housewives; they are not paid out continuously, so you need to keep constantly updated on the new calls in circulation.
  • Local Regions and Administrations → in addition to managing a large number of European Funds, the Regions also offer subsidized loans: to access them, one must take part in one of the calls made available; the amount will ultimately be paid following a ‘tender’, after which the name of the winning company will be published, by virtue of the greater adherence to the established requirements.

How to apply for non-repayable loans?

Let’s start immediately to answer this important question, underlining that each loan has its own requirements and procedures for carrying out the application, and that these depend largely on the organization responsible for supply: it is therefore necessary to have a clear understanding of the type of the Fund to which you wish to access, after which you can inform yourself on how to apply.

  • for European funding, the council is to keep an eye on the European Union website, and especially the section dedicated to calls for tenders;
  • for finance and government loans, however, we suggest that you regularly check this website or the portal Invitalia, another institution specializing in the provision of funds for new businesses;
  • for regional funding, finally, you should consult the website of your region.

We suggest, however, to contact you – at least every three or four months – at the office of the Regional Offices, as, as we said, it is up to the Regions to manage and channel the flow of funding from the European Community.

What requirements are required?

As we said, the ways to make the request change according to the project you are interested in, and the same applies to the access requirements. In general, however, non-repayable loans are aimed at young adults who have not turned 35 or 40, the unemployed, those who have been living in Italy for at least six months, housewives and new graduates looking for a job.

A fundamental requirement, moreover, concerns the desire to remain at the head of the company that receives the loan, for a minimum period of five years, and to keep intact the internal structure (board of directors, number of employees), if there are specific parameters in this regard (for example, for funds for female companies).

How much can be achieved with non-repayable loans?

Even in this case, the answer depends on the type of Fund you want or can access: some loans are almost totally non-repayable, and allow you to cover up almost all the expenses without repaying practically nothing; others, on the other hand, consist of a non-repayable portion and another that is a personal loan, to be repaid in a very dilated period (up to ten years), with a flexible installment plan and a very advantageous fixed interest rate., which is around 0.5%.

In some cases, moreover, it is possible to “freeze” the personal loan for a period ranging from 12 months to 3 years, in order to start its own start-up in a more calm manner, before having to repay the debt.

The sums payable through the Funds are variable: from a few thousand euros to very large amounts, which exceed 200,000 euros; for loans dedicated to franchising activities, of which we have spoken here, instead, the figure depends on the onerousness of the initial investment, and is therefore established by the agreements with Invitalia.

Furthermore, some loans are not paid in one single payment, but in two or three tranches : the subsequent payments will therefore be paid only if the objectives have been achieved, or after a careful assessment of the economic performance of the company. company.

How to obtain non-repayable loans?

How to obtain non-repayable loans?

Finally, the question that many of you are asking is: how to get the desired funding? In fact, although there is a wide range of loans and benefits for young people and start-ups, access is more complicated than expected, especially in those areas where there is some competition or for the most advantageous solutions.

Here, then, three suggestions to increase the chances of being among the winners of the announcement, and get the amount necessary to start their own business:

  1. Keep up to date on the latest news, checking regularly the websites of the agencies that provide funding and, above all, keeping an eye on the requirements and deadlines.
  2. Fill in the question accurately, rechecking any mistakes or omissions: the bureaucracy does not forgive, and a small oversight could cost you the loss of funding!
  3. Establish a business plan, that is a business plan, effective and detailed, specifying the amount of the initial investment, the sector in which you will operate, a valid analysis of the market and of the competition and, above all, a precise calculation of the real earning prospects.

Conclusions:

In conclusion: in order to obtain a non-repayable loan it is necessary to be very fast and, above all, scrupulous, paying great attention to news and all the bureaucratic aspects. If, however, you fail to access this type of facilities, perhaps because of the more advanced age or the absence of some requirements, consider the possibility of contacting a bank (there are subsidized loans, designed for businesses) or use other methods to collect the amount you need, such as venture capital or crowd funding.

What is a Career Development Loan?

Career development loan – gain advancement in a career path

Career development loan - gain advancement in a career path

A career development loan is a type of loan taken out to get training in connection with a potential career or to gain advancement in a career path. This term is usually used in the United Kingdom (UK). Numerous courses can be taken using money from a career development loan, but the course must be professional in nature. The exact size of the loan can be negotiated but under certain conditions the loan can cover the full cost of the course. Paying back the loan can be very difficult so many people choose not to take out these loans if they are to risk not being able to repay them.

Education can be expensive but is often worth the cost in the long run. A career development loan can help a person achieve education to achieve a desirable career level. Theoretical The loan is used to pay for a course that will lead to a job that is lucrative enough to help pay off the loan. When something goes wrong and a job cannot be found, paying off the loan can be extremely difficult.

Generally, a career development loan will have no interest in the duration of the course and in a short period afterwards. When this period is up, the person who took out the loan is responsible for paying interest on the loan and paying it off in the manner originally agreed. These restrictions will always be described by the bank giving the loan before all the money is exchanged.

Only certain people qualify for a career development loan. Applicants must be over the age of 18 and live in the UK. It is often the intention of the applicant to work in the European Union, but it would be difficult to punish a person for taking a job elsewhere when no other option is available. Various agencies and banks can help determine whether a person is eligible for a loan. It is even possible to find out more about eligibility over the phone.

Not only should a person qualify, but the desired course must qualify as well. Only education leading to a career is considered acceptable. The loan can be used to pay not only to cover course expenses, but also to books, rent and other expenses associated with staying in school and getting important education.

Whether to draw a career development loan is a good idea in a financial sense depending on the circumstances. When the loan is to be repaid, a person may be in serious trouble if he or she still cannot find a job. If the qualifications paid by the loan do not lead to employment then the loan was mainly wasted and both time and money will be lost. In addition, interest on a career path can be quite high, so it may not be worth the risk.