How a New US Loan Calculator is Helping Debunk Rates

Looking for a loan or mortgage is both incredibly time-consuming and stressful. There are so many things that you have to get to grips with, and at times it can seem like you need a degree in Mathematics to understand it all, with so many technical terms and inexplicable rates.

However, all most people want to do is get a loan that fits in with their needs, and gives them the best deal.

And that’s exactly what ‘My Loan Cost Calculator’ by LoanTech aims to do. The loan calculator has been developed to ‘see through’ the typical rate, APR, and monthly payments completely online. It is intended to cut through the figures presented online and reveal the actual loan fees you will be charged, which are supposed to be woven in but due to even decimal point differences in APRs, can have a significant difference on what you end up paying back over time.

My Loan Calculator

It isn’t all about what you pay back overall, however – the clever algorithms help with your decision making in other aspects you face as a consumer when applying for bank loans.

The other questions it prompts you to ask yourself are:

  • Are you trying to minimise monthly payments over time?
  • Minimise lender loan fees and charges?
  • Minimise total interest and fees?

It then gathers the information which helps you to determine what your decision making process in applying for a loan, and then can be an advantage if you are a hair’s breadth in deciding between one loan or the other, which you have been presented with.

It was recently debuted in the US, revealing to potential consumers the amounts of fees as well as the total pay-outs over time.

David I. Ginsberg, of Loantech, says he created the algorithms that run the calculator to aid the growing problem consumers have, of finding an easy way for online loan shoppers ‘to determine the amount of fees lenders’ were tackling onto deals’.

Hopefully, the technology behind it will spread to become widely accessible in other countries, like the UAE soon. But in the meantime, the loan calculator in its basic form is still a hugely powerful tool for consumers. Before it was available, it would have taken months of visits to the mortgage broker and lots of time-consuming, head-scratching calculations. But thanks to the internet, you can have what you need to know about your options within minutes online.

Maybe looking into the terms and conditions, and ringing round asking your mortgage broker for more precise details on the APRs and fees would be a help in the short-term.

As consumers, we should never be scared to ask for more information on what we are effectively purchasing as a product for ourselves – and therefore, have every right to question it as much as we need to, to help us decide whether it’s the right product for us. If this involves multiple questions about the monthly fees, overall fees or exact APR rate down to the decimal point, then we have every right to do so.

Smart Money-Making Tips : How to Avoid Scams

Business - Job Offer

A lot of people nowadays are experiencing extreme financial hardships that they easily tend to grab the first opportunity to earn big money without considering the possible dangers of doing so. If you are being offered an opportunity to earn big but you are having doubts, you may want to consider the following tips first before anything else.

Never Pay Just To Be Able To Sell A Product

There is nothing wrong in paying for fees associated in establishing a small business such as paperwork or rent or anything similar. However, you should always remember that you should not go for opportunities which tell you to pay a huge amount of cash first before you are able to sell their product. You do not have to pay a big amount of cash just so you can get a job.

Easy Money Plots

There are a lot of opportunities out there which claims that you can get rich in just a short period of time and you should avoid this. There is no short cut in getting rich unless you are rich to begin with. It is more likely that these individuals will ask you to pay up something up front or to give your credit card or personal information before you are able to get your first dime.

Be Wary Of Excellent Offers

A lot of people are easily blinded by the idea of being paid a huge amount in the shortest possible time without much effort and this attitude is what scammers prey on. If you are being offered something which seems very ridiculous to believe, then trust your gut instinct. It is likely that it is a scam.

There is nothing wrong in taking opportunities being offered to you especially if it is an opportunity to earn more than what you are getting. However, you should conduct a thorough research on such opportunities because chances are; most opportunities to earn money out in a short time are not good.

5 Great Ways To Boost Employee Knowledge

Coaching and development are crucial to employee – and customer – satisfaction. When surveyed on why they became disengaged and unhappy at work, common themes that emerge in nearly every employee survey include ‘not knowing what is expected of them’, ‘no recognition or acknowledgement of good work’, and ‘no development or advancement opportunities’.

These are in themselves, not impossible or difficult gripes to fix and often come down to reapproaching how the company looks at employee training and development. In fact, there are some easy solutions that you can get started on straight away. For more employee training and engagement information, make sure you bookmark

1. Set A Regular Performance Management Meeting

Performance Management meetings don’t just need to be held when people are doing something wrong. A regular, scheduled one on one conversation between employees and management to discuss and recognise progress, set goals and milestones and explore opportunities for growth and improvement can be a great way to get things kicking along in the right direction.

Business-Staff Meeting

2. Have Regular Staff Meetings

Set a time where you can group the whole team together outside of operating hours. Give an overview of where the business is at, how the team is performing and share process updates and information. The meetings might be monthly or fortnightly and provide an opportunity to do some team bonding while embracing a culture of communication and learning across the organisation.

3. Implement a Training Register

Do you keep a record of who has undertaken which training programs, or what skills your team particularly excel at? Accurate and up to date record keeping that tracks your employee’s training and qualifications is essential in any team management environment as it’s impossible to plan for the future without knowing where you are currently at.

4. Give Employees Ownership of Processes

Having documented systems and processes in place is only the first step. Who better to keep them updated and current than the staff who use them the most? Whether you select individual employees for each process or have a working committee to look at one or more, giving your team ownership encourages them to take an active role in the business and staff are more likely to engage with content their peers have created because they know it is relevant and realistic for the task at hand.

5. Have a Training Budget

Unfortunately when it comes time to tighten belts in an organisation, staff training and development is usually one of the first expenses to be slashed and one of the last to have funds poured back in during flush times. Don’t let this be the precedence for your workplace, and don’t think the budget always has to have a dollar figure associated with it. People power is one of the greatest assets a business has, so if you can’t afford to send the team out on a session with a great sales coach, why not allocate some time for some of your star performers to spend time with their peers sharing knowledge?

Employees that have access to regular training and development opportunities are happy employees who care about the results they are producing. This has a positive impact on how they engage and interact with your clients and customers and ultimately will help to improve your overall performance results.

Do you have an ongoing training and development plan in your workplace?

Tips On How To Save More If You Are A Working Mom at Home

The truth is that more and more moms nowadays are choosing to stay at home and work online than commuting to the office and for good reasons. For one, it gives them the opportunity to spend more time with their children and a lot more considerable factors. But perhaps, what makes the idea more attractive is the possibility of being able to save more money. So how does one effectively do it?

Work at Home Mom

Multi-tasking Mom

  • Research before Going for It: It takes time before a mom can be successful with her home profession. However, a mom can significantly lessen the time of being successful by learning more of what she will be doing if she does decide to work at home. Another thing that a mom should take into account is the financial changes that will take place. Lastly, the best way for a mom to know if she can handle such a work is by going through it.
  • Have A Plan: Every household follows a given financial plan and the same thing goes for moms who have decided to work at home. This will help the mom to realize what to prioritize based on the changes on their periodic profit. Discussing such matters with your husband helps a lot when it comes to designing financial plans.
  • Have Your Own Bank Account: It is normal for couples to have a joint account however, having your own account where you put your earnings from your online work will help you save more money. The same thing goes for credit cards. It is also important that you make a breakdown of your daily expenses in relation to your home income.

NameCheap Earth Day Promo: Only $5.98 for Domain Transfer

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5 Tips For Assessing a Potential Investment Opportunity

In today’s financially complicated world, it can be difficult to discern what a good investment opportunity is and what it isn’t. We need to be cautious, and yet willing to take a certain degree of risk if we want our money to grow significantly. Here are 5 tips for assessing a potential investment opportunity.

1. It’s had strong returns in the past

It’s one of the first things you should look at when deciding whether to invest. However, do keep in mind that the past is not always an indication if the future. This is a common misconception, even amongst the experts. Most people choose investments that have generated strong growth, but they only look at the recent past, assuming this strong momentum will continue, overlooking the factors that drove this growth and whether or not they’re sustainable in the long run.

2. If it sounds too good to be true, it is.

If you’re promised quick returns, this could be a tell-tale sign that it’s not such a good investment. Anyone using this as a selling point is possibly out to make a quick buck at your expense – ultimately he’s in it for himself, not anyone else.

3. Stay away from it if undemanding investors appear

There’s an element of truth in the saying, ‘bad investors drive out the good’. Undemanding investors will show up and buy anything. In turn, it becomes hard for demanding investors to find opportunities that offer the return and risk balance they need, so they’re forced to sit aside and do nothing. It seems easy to make a distinction now, but with a bit of practice and good advice from an agency like My Wealth Solutions, you’ll soon become familiar with the feature of bad and good investors.

4. Is this currently a strong industry?

Invest wisely!

When it comes to the stock market, the trends are as fast-moving as fashion. Two years ago, it was considered a smart move to purchase shares in commodities and natural resources – gold, oil, coal and the like. Presently, investing in railroads and other major projects seems a lucrative choice. Meanwhile, certain industries have been stock market staples fluctuating both up and down but never staying down for too long – think travel services, financial institutions, brand names like Apple, Dominoes, Coca-Cola and supermarket chains.

5. Everyone needs a roof over their heads

With housing prices going through the roof, properties are in hot demand, and it has become common place to invest here. This is the one area where it’s relatively safe to invest despite its popularity (it doesn’t work as well in other areas). Cost of living has risen dramatically over the years, and job security is no longer guaranteed amongst the general public. It’s for these reasons that those who can afford to, purchase a property solely for renting out and earning that extra income. It’s a just-in-case measure. Buy in newly developed areas, where properties are new, yet cheaper than older properties in established areas. They may be further away to the city or workplace, but most people just need a home, regardless of its location. If you can, this is an option you should consider.

It may seem a complex matter knowing exactly what is a potentially good investment, but if you observe carefully and know the questions to ask, you’ll soon be savvy enough to navigate yourself through the murky waters of investing.

The information provided in this article has been provided as general advice only. We have not considered your financial circumstances, needs or objectives and you should seek the assistance of your GPS Wealth Limited (GPS) Adviser before you make any decision regarding any products mentioned in this communication. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither GPS nor its related entities, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken  as a result of you acting upon such information.

The Coolest Trade Shows Ever

Coolest Trade Shows Ever

It’s a fairly safe bet if you’re reading this you have at least a passing interest in trade shows. You may even be a regular visitor to Still, there are trade shows, and then there are trade shows. We wonder what a “dream team” for trade shows would look like— the ones we’d really love to check out, not just the ones we have to attend for work? That trifecta might look something like this.

International Pizza Expo in Las Vegas, Nevada

Doesn’t the title of the event pretty much say it all? There’s a Craft Beer Pavilion, events like “Making Pizza With Tony Gemignani,” games like the World Pizza Games, and did we mention it’s a trade show for pizza? And that there is a Craft Beer Pavilion? This makes the list, easily.

Game Developers in SanFrancisco, California

Okay, this one is borderline tech-geek territory, but when you consider the whole industry is built upon the idea of making, selling, and using video games for individual consumption it seems downright decadent, geek fest or not. This show is all about Halo, Rainbow Six, Guitar Hero and every succeeding game that wants to be even half that successful. Mostly, we’d just like to check out the new games and get some wicked cool free convention swag.

Special Operations Forces Industry Conference in an Undisclosed Location (Maybe Tampa, Florida)

This has to be the coolest trade show ever. There’s (real, not movie) spy gadgetry, dummies dressed in keffiyahs, things that blow up and simulations thereof, and genuine heroes walking around checking out the latest spook gear and sundry other high-end military goods. It’s all aimed at making life a little easier for Uncle Sam’s elite special warriors—not that they are used to any easy days. Not at all. Still, we think this show has to be about the coolest trade show of them all. Just be careful who you take photos of…and we’re not kidding about that. There’s rules.

You can always find an excellent selection of trade show materials, all at great prices, simply by visiting

Trade Show

Legitimate Ways To Make Money From Home

With the current economy, people are utilizing various streams of income just so they could keep up with their monthly expenses. However, not all people are interested in committing themselves in working in the corporate world for a various reasons. The good news is that they need not fall prey to countless scams out there.

Legit Ways to Earn from Home

Here are few things you can do to earn extra income while staying at home:

  • Article Writing: If you are someone who loves to write about different topics then you should know that you can actually earn from what you are writing. Nowadays, you can sell your writing skills and get paid for it. If you are planning to try this route then it is important that you are able to provide samples of your writing since clients are particular about this. 
  • Share What You Know: One way that you can earn at home is by teaching what you know. If you know how to speak more than two languages then you can use this to teach people interested in learning one of the languages you know. There a lot of people out there who are interested in learning more than one language especially if learning a language can help them establish a better relationship with their business partners. 
  • Bed Space: There are a lot of people who are looking to spend a night in a comfortable place without having to spend as much and if you can offer this option to them then you can use this as a source of income. Provided that you do not mind strangers being in your house then this should work for you. At the same time, you also can have them rent the place for the time being given that you are given the chance to fully-screen them and do some background research. 

These days, having multiple streams of income can be an advantage especially that the economy is not doing good.

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Pricing Strategies You Should Know As A Customer

These days a lot of stores are implementing countless varieties of marketing strategies just so they can increase their sales. Some of these strategies that they implement to sell their products are:

The “$X.99” Marketing Strategy: Retail stores commonly refer to this as “charm price”. The thing is that stores are giving their customers the impression that their product is more affordable by using the “X.99” value. This is on the basis that people read prices from left to right so if they want to sell a whole number like $4 for example, they sell it at $3.99.

Ten for Ten Strategy: Most stores sell some of their products by bulk for a low price but the main idea here is that you do not necessarily have to buy all ten products just to get it for like $.50 each. In fact, there are times that you can get a lower price just by simply buying what you need. The first thing that you have to consider is to check the individual price of the product if it is relevant when it comes to buying multiples of it. However, most of the time, this will not be the case.

Buy One Get One Or Half For Free: This is perhaps one of the most common strategies that stores utilize. The trick is that they sell a particular product at a set price and by buying that at that set price, you can get the next product at either half of its original price or for free. Though it is one of the most obvious marketing strategies that a person a store can take advantage of, it is one of the most effective.

Re-Establishing Your Credit

Credit ProblemsThe sad truth is that there are a lot of people out there who are having a difficult time reestablishing their credit. And a lot of people would want to do everything that they can just to clean up their act for a number of reasons such as planning to establish a business at some point in the future and needing to get some much-needed loan. Either way, there are things which you should always remember for you to be able to re-establish your credit.

  • Credit Report: It is important that you have a record of your annual credit report so that you can review any outstanding balance which you still need to pay off.
  • Refrain From Applying For High Credit Too Soon: Lenders these days are becoming more discerning when it comes to applicants. This means that they can be stingy when it comes to approving loan applications especially if you give them the right reasons to think so. Take note that too much credit-related inquiry can be unfavorable toward your credit.
  • Apply For Different Credits: Having different kinds of credit is favorable such as having revolving balances and or fixed payments on installments. This can eventually give you good credit scores.
  • Take Time Deciding: It is important that you conduct a thorough research with regard to the kind of profile that you want lenders to see. Remember that lenders have their own individual standards when it comes to assessing loan applicants so it is important that you are able to play the part of a loan applicant which fits one of these lenders profile.

These are a couple of tips that you should take into consideration if you want to re-establish your credit.

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