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Author: Katie

Kate is a finance blogger and currently works for one of the big high street banks. In her spare time she likes to educate people on finance and business matters. Married with 3 children she enjoys travel and family time when not in the office.
Everything You Need to Know about Business Loan Insurance and its Benefits

Everything You Need to Know about Business Loan Insurance and its Benefits

A business may need funds in order to expand or strengthen its position in the marketplace, and a business loan often provides the ideal solution to this. The problem is, however, that a business loan is a long-term commitment, and a lot of things can happen before the business is able to pay off the loan. That’s where business loans insurance comes in: it helps you deal with unexpected events and ensures that your business can go on when things go wrong – as things sometimes do.

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Do You have a Bad Credit Rating? Here’s How You Can Still Get Your Dream Property

Do You have a Bad Credit Rating? Here’s How You Can Still Get Your Dream Property

Even under the best of circumstances, getting your mortgage application approved can be difficult – there are often many issues (no matter how minor) that can combine together to create a big obstacle for success. One of the main obstacles is often the result of a negative report on the credit back-check; those with a bad credit rating often see their application flat-out denied.

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5 Services You Should Expect from Quality Property Surveyors

5 Services You Should Expect from Quality Property Surveyors

There are quality property surveyors out there and they will give you the kind of services you need. However, if you have not tried getting such services before, you might have no idea what exactly a quality surveyor offers. Here are the things to take note of before deciding which property surveyor to hire.

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Hiring an Accountant Even for your Small Business is Important

Hiring an Accountant Even for your Small Business is Important

Being a small business owner can oftentimes mean that you have to do all the work by yourself.  It is the ultimate goal of every person that engages in a business to succeed in the field. As much as possible you want to personally oversee all the aspects of your business up to the last detail especially when it comes to finances. It is vital for every entrepreneur to know if the business is profitable or not so as to improve marketing schemes to increase sales but this could mean additional costs and effort on your part as well. This is why it is essential that even as a small or startup business, you seek help or delegate other areas especially those that concern accounting and finance, so you can focus on your strengths and thus, increase the chance of your small business to eventually be one of the biggest in the industry.

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Online Estate Agencies 101: What You Can Really Expect from the Service

Online Estate Agencies 101: What You Can Really Expect from the Service

Nowadays, you have two major options when it comes to selling your home or property: you can either go with a traditional estate agent, or you can go the more modern route and opt for an online estate agent. Whilst traditional estate agents may have their merits, online estate agents are quickly taking centre-stage for a variety of reasons. One obvious reason is the price. Another is the network they have available (it’s a nationwide – even international – network). So, what else should you know about online estate agencies? Here’s what you can really expect from the service.

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Best Ideas To Sell Your House Quickly For A Good Price

Best Ideas To Sell Your House Quickly For A Good Price

Demand and supply of a product in a market essentially decide its price. It further construes that when the demand for a product is very high in the market, the price of it will invariably rise and the vice versa. The prevailing property price in London just after the 2016 BREXIT poll result bore the mark of it. Therefore, to sell your house fast, you have to do a bit of research such as the following.

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Everything is For Sale, Including Debt

Everything is For Sale, Including Debt

As the saying goes, “Everything is for sale, you just have to come up with the right amount to make the purchase” and if you think about it you’ll realise that this is actually true. I’m not just talking about those scenarios where sentiment and desire seem to defy economic logic and trump real market value here. I’m talking about sales which go on without the majority of us even knowing about them. Debt is a very big seller in the world right now, yet it all happens within the darker corners of what’s otherwise plain view as most people choose to turn a blind eye to it going on.

Debt is being sold all day, every day and its trade never stops for single second. For as long as the world is turning, debt is being bought and sold somewhere around the world if not everywhere, you just don’t know it’s going on.

The basic forms of debt are rather straight-forward in their makeup and can take the shape of something like getting financed by the bank to buy your car, for which you’d make weekly or monthly repayments with added interest of course, so something like your mortgage or bond you have on your house which will take a much longer period of up to 20-30 years to pay off.

More sophisticated forms of trading debt are where the real money is made due to one of the most powerful tools of the financial sector; leverage. If a company offering financial services has been given the green light by the Financial Conduct Authority to operate within many different sub-sectors of the financial sector, they in effect hold the true power of leverage and gearing in their hands to generate insane amount of money, mostly through the business of trading debt.

Why do you think an insurance company is seemingly never satisfied with just doing insurance? They’d much rather offer financial services which span the entire insurance sector and given half the chance they’d expand into other financial services such as housing a resident banking branch or even brokerage for services such as offering the public a CFDs and stocks trading platform. In the case of offering a trading platform, licensed brokers are themselves traders and make use of leverage to make huge profits while charging traders a service fee for each trade or perhaps levying a spread fee instead of a fixed per-trade fee.

What’s ultimately at play here is debt because financial services companies can list the credit they hold on their books as assets, assets which can then be repackaged and sold or used as collateral to fund expansion operations or further investments.

Nothing sells like debt and when you earn interest on the money you have in a savings account (although it must be said that this is very little interest you earn) you are indirectly participating in the trading of debt. The money which you keep in the bank is being loaned out to other clients and some of the interest they pay on that loan is filtered down to you, but you’re really just getting scraps because banks have the authority to use leverage to loan out more money than what they physically have in reserve.

Whenever some investors or businesspeople who’ve been active in other spheres of business finally head on over to the financial sector, they often wonder just why they didn’t make the transition earlier. Because of the way in which our financial sector is set up and operates, often making insane amounts of profits is as easy as getting the right finance leads, which are known to be of high quality since financial services have become a very important if not critical part of our everyday lives.

So, the message for you today is that you should perhaps take the time to think about what exactly you’re spending your money on. You can either buy or sell debt and if you do it cleverly, you can enjoy some big financial rewards.