Category: Finance & Invesment

How To Become A Certified Financial Divorce Specialist

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If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

The Most Popular Job Roles In Finance

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There is a plethora of jobs in the finance industry. Many finance jobs are centered around several primary professions such as commercial banking and investment banking. Naturally the most common jobs fall within those two categories. Currently, the more popular of the two is investment banking. Consequently, the most popular job roles in finance are positions in the investment banking arena.

Industry coverage is a large area covered by investment bankers who specialize in product groups such as utilities, aerospace, real estate, etc. This group has a group of senior bankers called Managing Directors which are backed by Directors, Vice Presidents and Associates. The managing director will help strategize the next move for the group as it grows and the team usually recruits new graduates into this group quite aggressively.

Corporate finance is an area with the primary function of raising money for corporate ventures. As an analyst in this group, you would be responsible for preparing registrations and attend road shows where investors are sold securities. Debt Capital Markets or Equity Capital Markets originate new issues of bonds or securities. They advise about the best time to issue these new debts or equities. Mergers and Acquisitions is yet another department which is under investment banking. Mergers and acquisitions generate fee income for investment banks. The bank sets up the acquisition even under market conditions that would make the acquisition unfavorable through creative methods that benefit all parties and the bank gets paid handsomely for their effort.

Project Finance help fund the infrastructure of a government or oil capital project, generally funneling funds from one foreign country to another when other options for borrowing have dried up. Trading is a job with which most of us are familiar. It is sales of securities on the stock market floor or from an office. Structured finance, derivatives, advisory, equity and fixed income research and international sales and emerging markets are other jobs that can be performed in investment banking.

Public finance, retail brokerage or stockbroker, institutional sales and ratings analyst are the remaining positions in investment banking. Many of these jobs are more glamorous than the others, but they all pay well. The most popular job roles in finance include any position in investment banking which comes with a hefty salary and many also pay bonuses. Commission often accompanies any position that generates sales to compensate for performance. Ratings analysts command an average annual salary of 68,000 with an average of 5,000 in bonuses. An exceptional employee should expect a higher salary. A managing director in Industry Coverage can command a salary of 130,000 to 220,000 annually. The job you pursue in Investment Banking will be your personal choice. Your compensation will be excellent and hopefully, you will find a home based on your talent and interests.

Boat Loans And Boat Finance

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Financing your next boat is a very important process, as you want to choose a finance package most suitable to you. There can be many things to check including
Boat loan interest rate
Fees and charges
Break fees if you paid it out earlier
Can you pay extra payments
Time it will take to approve and settle your boat loan
Does the boat finance company suit your criteria to approve the finance

You can have unsecured or which can affect the cost of your loan.

It can be a requirement of the boat finance company to have fully comprehensive insurance on your boat before purchase and while you pay off your boat loan.

Finance companies can assist to ensure you have a hassle free boat purchase and help with
Encumbrance checks to ensure that there are not any outstanding loans from the prior owner left against the boat.
Title check or confirming the ownership of the boat you are purchasing.
Clear transfer to seller of the amount financed on the boat purchase. .
Boat loans, subject to the finance companys approval can be financed to the full cost of the purchase including
On-road costs and taxes.
Boat Insurance
Marine breakdown warranties
Loan protection for death, disability and unemployment.
Older boats can be ok. Boat finance can apply for all ages new and used depending on the boat loan lender.
Finance structures can be flexible to suit your circumstance. Options to consider on your boat loan could be
Delayed payment boat loans so you first payment starts at a extended time into your finance contract
Interest only payment options including balloon payments.
Extended finance terms
Structured boat finance payments to suit your life style or your work cash flow
Construction boat loans
There are many marine finance options available for imported boats.
Commercial boat finance options are available that could be suitable for business use. Some factors to consider that relate to business car financing are:
Chattel mortgage boat finance

The structure of your business car finance can affect your taxation claim.
Dealing through a reputable boat loan broker can give you a choice of boat finance lenders. It is important to know that you may get boat loan interest rates and loan fees and charges cheaper than banks.

Heavy Construction Equipment Leasing- Advantages And Finance Options

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Equipment leasing is a simple solution to grow your business with an ever changing economy. You can lease any and every type of equipment. In this article, emphasis will be on heavy construction equipment leasing.

To keep money free up in terms of the company’s line of credit, leasing is cheapest and best option for construction companies. So cash will be available in case of financial emergency or any other time of need. It is the most beneficial managerial and financial strategy to conserve working capital for any company. It resolves issues related to cyclical and seasonal fluctuations by slotting your payments into the months when your business’ sales are on peak. Furthermore, a lot of companies in construction opt for leasing as a good alternative in acquiring equipment to buying. There are advantages of heavy construction equipment leasing, which are:-

1.Your have a stable cash flow.
2.Assets are well managed.
3.Up gradation of Equipments can be done easily.
4.Customized payment structures.
5.Give more flexibility than bank loans or purchases.
6.Flexible end term options.

To get a better deal, you should know about the construction equipment finance. Search well for the financing options available in the market. You stand to gain many benefits: tax deductions, write-offs, more predictable cash flow for more accurate fiscal planning, and faster approval than other financing options. Few types of equipment that come under heavy construction equipment leasing are

1.Bulldozers
2.Cranes
3.Back Hoes
4.Cement Trucks
5.Concrete Equipment.
6.Excavators
7.Trucks and Trailers
8.Crawlers
9.Crushers Graders
10.Logging Equipment
11.Wheel Loaders
12.Specialty Vehicles
And more…

Financing amounts can normally be approved without tax returns or financial statements. It normally takes s a day to get your application approved. There are basically two types of financing available:-

Finance leases -: These leases are best if you intend to keep the equipment at the end of the lease. This is because they include the option to purchase the equipment at the end of the lease. These leases are also known by type names of capital leases, conditional sales, or dollar buy out leases in the market.

True leases-: These are also called tax leases, operating leases, or FMV (fair market value) leases. Theses usually do not span the full expected life of the equipment. At the end of the lease, you can choose to walk away from the equipment or purchase it at fair market value. Payments on true leases generally tend to be lower than those on finance leases. This is because lessors have the opportunity to resell the heavy equipment when the lease ends.

Premium Finance – Wealth Creation Calculator

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Premium Finance boasts of various wealth creation strategies to help you effectively manage your personal finances.
Managing your finances is easier said than done. Mortgages, home expenditures, luxury items, health expenses, and taxes are enough to dry up your wallet. However, that should never be the case. All it takes is some serious planning and self-discipline. In addition, Premium Finance is more than willing to help you with your financial issues. With the help of wealth creation calculator, retiring can be done early. Not only that, putting your trust in Premium Finance will also help you with consolidating debts and decreasing your monthly expenditures. Eventually, you can save more cash. Hence, you will see that you are well on your way to generating and maintaining more income.
The Premium Finance wealth creation calculator can help you choose the right investments to make. Why settle for complicated wealth creation calculators when you can have an easy-to-use and highly efficient calculator right at your fingertips?
In relation, this method will certainly reduce the amount of stress you’ll experience when handling your bills. Financial plans can be easily developed, all it takes is that you follow your financial plans tirelessly. Soon enough, you will enjoy living your life the way you want to.
Premium Finance offers a genuine and authentic service that is designed to help your personal finance and allow you the opportunity for you own investments to grow each year and offer you the retirement income you want.
Premium Finance can help find answers to questions such as:
* What are your plans?
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* How are you going to spend your retirement?
With Premium Finance, money problems are a thing of the past. However, the power to create more wealth is in your hands. Once you’ve made that decision, contact us and we’ll give you a nudge in the right direction. Even better, our relationship managers will guide you in managing your finances with ease. You don’t have to wait any longer. You can start creating more wealth right now with Premium Finance
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Bookkeeping Means Systematic Records Of Financial Transactions

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Business ideas are listed with the bookkeeping services. Like a financial advisor you can be assisting your web visitors using the daily projects of economical documentation. The services you provide are very a lot like an accountant los angels with the real change that you will never to blame for examining information or auditing economical statements. You main work is usually to collect and acquire on the information and perform the primary numbers engaged, the take a look at conclusions.

You need to be high information focused and get above regular good feeling. To get going you ought to already have labored in relevant areas and that means you recognize how the projects associate plus your customers do not possess frustrating excitement. Begin with promotion to the classifieds, magazines, and company online forums, you must system with experts around the area exclusively Qualified Public Agency and company experts and entrepreneurs, also be section of an organization It is possible to cost $30 to $50 hourly or you can perform transaction information with every customers just like hourly or monthly.

You are able to perform either at home or journey on the workplace of the customer, in any event you continue to should journey to their own workplace to buy the info you must collect and the lending company to create remains for the customer. With that said keep a count within your usage then it will not terminate your pay. You do not need staff unless your small business develops, in which case you might additionally need affiliates. This can be a probability of those that have problems. For internet hyperlinks strongly related tag research for that Nationwide Association of Qualified Bookkeepers, the nation Institution of Professional Bookkeepers and bookkeeping help. These bookkeeping services in Georgia also are worth spending the penny inside a useful way.

A bookkeeping server is a which, by description, keeps your guides. You provide them with the accounts as well as the expenses and they go into the facts into a book to provide you a practical bookkeeping to use your company are economically in those days. It is actually nearly the entrepreneur to produce the accountant all of the statements and accounts so they really may keep precise guides. The accountant helps keep your guides only but not produce IR tests, financial lawful organizations, or anything outside of the whole world of just doing the data tweaking your guides immediately.

Different Types Of Mortgage Modification Scams

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One of the kinds of scams that the government is quick to crack down on is foreclosure consultants offering false loan modification services to homeowners facing the loss of their homes . While the government is providing its own modification programs, it is also going after a number of fraudulent schemes that have been used to trick borrowers .

There are a large number of scams that target foreclosure victims, but the loan modification one may be the easiest for the criminals to engage in. The general way it works is that borrowers pay hundreds or thousands of dollars for the services of a loss mitigation company. After signing the agreement and taking the payment, however, the company provides almost no services, resulting in the borrowers losing the property.

Many mortgage modification scams are almost entirely made up of borrowers paying money to a company which then sits on the cash, performs almost no services, and simply disappears or denies giving a refund after thehomes is auctioned. There are hundreds of complaints about such companies, and it seems as if the attorney general of one state or another shuts down a new one every week.

However, there are some differences on the theme, as well. For instance, some loss mitigation companies will take borrowers money and obtain an unaffordable modification program, even if there is a chance to negotiate with the financial institution for a more beneficial arrangement. The company obtains the first, easiest modification possible, presents it to the borrowers, and declares its work done. Unfortunately, though, an unaffordable plan will not help borrowers remain in their houses.

Another variation on the scheme is simply to charge borrowers to attend loan modification seminars. This may be as part of a larger program to help them negotiate for better loan terms, although the seminars can cost upwards of several thousand dollars. If the borrowers do not attend the seminar, they will not receive help from the foreclosure scam company, which will blame the failure on the borrowers.

A final scam related to loan modifications that is being heard of more often is companies charging for loan audits that are performed by someone other than an attorney. Information provided in these audits is also often unnecessary, as the claims that the borrowers are encouraged to raise are barred by the expiration of the statute of limitations for that particular argument. For thousands of dollars, borrowers are told what will not work in defending their homes.

Unfortunately, many borrowers are taken in by these and similar scams every day. States are most often behind in prosecuting and shutting down these companies because there are simply so many of them, and the dollar amounts they steal from borrowers are relatively small. Thus, it is up to the borrowers themselves to make sure they are dealing with a trustworthy company or individual who is offering them foreclosure help or negotiation services in the pursuit of a loan modification or other workout option.

Denied Mortgage Modification

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I frequently hear clients say they were told to not pay their mortgage for 3 months so they can apply for a mortgage modification. Then, after submitting all of the paperwork, the modification is denied. Or, they’re just put into a trial period, the whole while believing that their mortgage is modified. Then they really are surprised to be served by the Sheriff with foreclosure documents. They really are rightfully scared, confused and hopeless. They wouldn’t have asked to get a modification if they could afford their mortgage in the first place and now the bank is telling them to pay a minimum of those three months that was not paid so they can apply for a modification or be faced with the prospect of losing their home.

Sometimes, rather then endlessly arguing with the bank, homeowners benefit from meeting with a lawyer knowledgeable about the mortgage modification process or an experienced bankrutpcy lawyer. Many people asked for help with a mortgage modification from their bank hoping to avoid filing for bankruptcy. Some people think that when they file for bankruptcy, they will be forced to sell or lose their home. This is usually not the case. Filing for bankruptcy can sometimes be the only real choice to save your home. In order to learn if bankruptcy may help you, you may want to consult with a local bankruptcy lawyer. If you’re considering filing for bankruptcy in order to protect your home, please don’t wait until the sale date is scheduled. The bank might have dragged their feet with respect to your modification, but time is essential and the earlier you speak with a bankruptcy lawyer, the more options could possibly be available to save your home.

A chapter 13 bankruptcy is the primary chapter of bankruptcy used to stop a mortgage foreclosure. There are very few requirements to qualify to file for a chapter 13 bankruptcy. A chapter 13 bankruptcy will allow you to pay off your past due mortgage amounts over a time period as opposed to right away, like the bank wants.

Only a licensed attorney can provide a homeowner legal advise regarding their situation. There are many ways to locate a qualified lawyer. For example The National Association of Consumer Bankruptcy Attorneys is often a helpful resource in helping distressed homeowners find a qualified lawyer who’s experienced in both mortgage modification issues and the advantages of filing for bankrutpcy protection as it relates to stopping foreclosure proceedings.

Jane L. Weatherly, Attorney at Law, PLLC is a bankruptcy law firm located in Raleigh, Wake County, North Carolina, The firm is a debt relief agency and assists consumers file for protection under the United States Bankruptcy Code. For more information, please call (919)758-9296 or visit .

Home Finance And Home Loans In Uae.

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Along with the growth in the Real Estate market, Dubai has experienced simultaneous growth in its home finance sector in the past three years. According to a recent study by EFG-Hermes the current outstanding loans stands at Dh 11.5 billion. It is estimated by the Egyptian investment bank that the UAE housing finance sector will grow by Dh 14bn in 2007, Dh 18bn in the year 2008, the growth is estimated to be Dh18bn in 2009 as well and Dh 14bn and Dh 17bn in the years 2010 and 2011 respectively. These figures have been derived based on an expected population compound annual growth rate of about three percent. The most dominant forces in the Emirates home finance market are Amlak and Tamweel. They account for over 35 and 25 percentage of the industry respectively.

The Real Estate boom of the emirate has left the world spell bound, EFG-Hermes predicts that the total growth in the Real Estate should exceed the figure of Dh419bn in the years between 2008 and 2011. It has also been said that Dh 64bn will be funded through credit. The national bank of Dubai has tied up with Dubai properties for the sole purpose of finance apartments which are bought in tower H. Tower H is a primary tower for residential purposes at Business Bay in the project of the executive Towers. This tie up of the national bank of Dubai and Dubai properties, is more than welcome, as this tie up will ensure easy financing terms for the people who are aspiring to buy apartments in tower H. These easy schemes will mean that people will be able t finance their dream homes with no obligations of interest repayment. In this case the loan is made available for 85 percent of the property price of a sum of 4 million AED, whichever is lower. This loan is provided for a period of 20 years.

Dubais Islamic bank (DIB) and Al Islami home finance are also witnessing high demands from the retail customers. They have recently launched solutions that aim to meet the requirements of retail customers. These customers include both the UAE nationals and expatriates who are keen on buying property in the UAE freehold property market. In response to this high demand of the people, DIB has announced the launch of Mobile Mortgage Advisors. They are a team of mortgage sales expert who will be providing valuable consultancy at the customers door step.

Al Islami finance has launched finance solution products such as the forward Ijarah and Ijarah. Through the Advanced Eligibility Process customers get a right to choose their finance limit without first having to choose the property. The Dubai Islamic bank caters to the needs of a diverse customer profile. Also the al Islami home finance provides up to 90 percent finance and a maximum tenure of loan repayment of 25 years depending on the eligibility of their customers.

Bank Of America Loan Modification — A Simple Five Steps To Approval!

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Have you been worried or even just concerned about meeting a high monthly mortgage payment? Perhaps you have been pondering negotiating for a better deal, such as a Bank of America loan modification period. This nationwide lending bank is now offering loan workarounds to some of its borrowers. You can improve your chances of getting the loan modification deal. If you meet certain approval requirements, you can lower your mortgage payment. Before you apply, you need to know about these Five Steps to Approval.

1.Study the Bank of America loan modification approval guidelines. To qualify for a loan workaround program, you must meet specific disposable income and debt to income ratios.

2.Collect all necessary documentation for the bank. A bank officer will review your documents to decide whether you qualify for a Bank of America loan modification. Be sure that you have everything before you apply, in order to avoid any possibility of delay or even denial of your application.

3.A Hardship Letter is an essential part of your document package. You must present convincing, compelling evidence that you have experienced or will suffer from a financial hardship due to your current mortgage payment. There are three essential elements in a Hardship Letter — be sure that you know what they are.

4.Take time to prepare, accurately and properly, the Bank of America loan modification application forms. Everything you state is subject to verification, and so you must include all important information, truthfully, to ensure that your loan workaround is given the maximum possible consideration for approval.

5.Be persistent. Eight weeks is not uncommon for processing time of your Bank of America loan modification application. So be patient as well! Even if you are declined the first time, do not give up. Many homeowners were able to get an initial rejection of their application overturned by being diligent, tenacious, focused, and persistent in their pursuit of an affordable mortgage. Your home is at stake, and a successful application allows you to keep your home.

By studying the guidelines; being diligent, complete and truthful in your application; and persisting in your qualification process, a Bank of America loan modification may well be yours. Take the time and invest the energy in doing the application properly, by understanding the bank’s approval guidelines. Ask any necessary questions for proper completion of the paperwork. Get the help you need and keep your home, as homeowners across the country continue to do. You too can do it!

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