Author: Thelma Brown

financial institution

Tips for Choosing a Financial Institution

There are a lot of decisions we have to make in our daily lives. We have to decide who to marry, which home to buy, where to work, and where to bank. Choosing a financial institution or a bank is not an easy task. When you spare your free time to research on the tips that you should consider in your selection, it will be somehow comfortable.

Here some of the tips that you need to consider to ensure that you are making a perfect choice.

Identify the Type of Account You Need

Most of the financial institutions out there offer many types of financial services. When you try to compare all of them at once, it could seem overwhelming. But the first step to start is deciding the type of account you want. However, this choice will depend on your financial priorities and goals. When you are identifying the type of account that you need, there are some of the factors that you need to consider. Make sure that you compare the rates before making your choice.

Think About Accessibility

currencyOnce you identify the right type of account that you need, make sure that you think about accessibility. When it comes to financing, note that convenience is a critical factor that you need to put into consideration. If you want to pick the right financial institution in Kenya, make sure that you find one that is easily accessible. In doing this, it will be easier to meet your business goals.

Understand the Terms and Conditions

After you have identified the type of commercial bank that you need, make sure that you go through the terms and conditions available. Before making your final remarks, you need to know what is available in the fine print. Read and identify whether there are monthly service fees or not. By understanding its terms and conditions, you will later know the services that you should expect.

Make Your Choice

You do not want to become a customer of a given financial institution without knowing what exactly you are getting yourself into. By comparing various financial institutions, it will be easier to make the right move. Make sure that you find the right bank that suits your lifestyle.

credit shopping

When to Hire a Credit Repair Company

By checking your credit report regularly, you will be able to know incorrect entries that may affect your credit score. For example, a lender may have entered the wrong date of your payment for a loan. It will be good for you if the date entered is before the due date, but what if the entered date is way after your due date? It will really have a negative impact on your credit image.

If you carefully check on your credit report as often as you should, these errors can be prevented. Early detection of errors can mean automatic correction of the wrong entries by the lender.

This is only one of the various errors that are commonly committed that can affect your credit score. Mistakes in filling up documents can add to erroneous entries. So going over documents that you signed before submitting them is very important to prevent even the most minor errors especially in our financial transactions.

Disputing with the three major credit bureaus like Equifax, TransUnion, and Experian over your credit scores can be done by anyone who wishes to improve his credit rating. But for some reasons, hiring the best credit repair company may be the better alternative because they know how to dispute your TransUnion credit report.

Quicker Results

credit card You can actually wait and see that your credit score has improved after many years. That is if you also stop your bad credit habits. If you see no reason why you have to rush to get a higher credit score, then you can wait.

For people disputing their credit scores, it may mean that they want their credit score to improve the soonest. They may need a bigger loan immediately, or they just want to clear their credit image. With a credit repair company, they have the techniques and resources to make the whole process easier and simpler.

Busy Schedule

If you are an office worker or a businessman with many business lines, giving your full attention to a credit dispute may be impossible to do. This will inevitably delay the outcome of your complaint.

There are other reasons why clients cannot personally attend to their disputes over credit errors. Hiring a credit repair company can give you the assurance that someone is doing all the work on your behalf.

Fraudulent Cases

bag, credit cardYou will have more difficulty proving that errors are from fraudulent sources. Crimes such as identity theft happen to anybody, and it can happen to you. Should that time come, you may need all the evidence that you were scammed.

That is harder to prove than what you think. In this case, a competent credit repair company should help you. They have all the expertise to handle such cases.

When You Are Clueless

Not knowing what to do, or worse, not knowing where to start from may be a primary reason why you have to hire a credit repair company. Filing a dispute regarding your bad credit score can be very technical for some people and may need professional help in doing so.

An experienced credit repair company with a good track record and having good customers reviews may just be the one that you need.


Tips for Getting Your Online Payday Loan Request Approved Faster

Payday credits can help anyone in times of acute financial needs when there are no other choices available to get cash. In most cases, they are known as high rate loans but they can provide money in urgent situations, which makes them very popular among some segment of lenders.

Unlike other bank loans, online payday loans instant approval  are typically approved in a short period, and cash then credited to your bank pocket that you provide. They are known for high approval rates compared to the typical loans.

But the approval rates do not mean a specific frequency and not everyone gets the approval some are rejected. How do you go about to avoid your request being rejected? And what can you do to increase the chances of being approved? Here are some tips you should consider to improve your approval chances.

Give accurate income report

reportMany payday companies require some minimum income report for your request to be considered. Some lenders prefer that you should have at least some cash from steady contracts. Many lenders can also ask the company you are working in to prove that your papers are right. If, in any case, they notice or spot any forged or false information, your request will not qualify for a payday loan.

Many people think that giving an overstated income report makes them credible for a loan. Trust me. It will only increase your chance of rejections. Make sure that you don’t give wrong information about your monthly income on your loan request.

Check the credit-to-income ratio

Before you apply for a loan, it is wise to compare your monthly income with the amount you are requesting. For instance, if you earn ten dollars per month, make sure you apply something less than ten dollars. Many companies approve loan request that is less than your monthly income to avoid bad debt. Remember the lower the amount, the higher the chances of approval. So consider requesting lower sums. It is better to have the half than none at all, they say.

Make sure your credit score is good

Many lenders frequently run credit forms in every potential client even if they usually display some credit scores, which in standard case do not matter. Therefore, pay heed to your credit records. The higher the credit score you attain, the higher the approval rate. Before you apply, make sure you score more than 700, which is a fair score required by any leader. When it comes to payday, credit scores do not matter a lot but the point is, a good score give you an advantage.

Present the required papers on time

the right papersThe loan approval process can be halted or delayed if you submit your papers on time. Also, your application can be considered and approved if you present your papers on time. Everyone like a person who is timely and reliable,and the same applies to payday borrowers. Make sure that you read very carefully all instruction from the borrower and attach every document as directed by the company. Doing this will not only increase your chances but also give you a guarantee of getting the loan.

clock and coins 2

Top Benefits of value Investing that You should Know

You may have heard of people talking and boasting of the huge gains they get from investing. Well, investing is a good way ensure that you are making a profit from what you already have. Do you have the desire to invest and achieve your financial goals and also gain other benefits? Before you decide where to do your investments, it is always good to consider how secure your money is. It is good that you understand that a good investment does not only generate good returns but should also have multiple benefits to enable you to grow financially. Take a look at the benefits of value investing.

Eliminates emotions

coins inside a jarValue investing makes you take a different thought and action from the other investors. The decisions made in value investing will rely on the actual data on the ground. You will be able to evaluate and analyze data on the ground to come up with new strategies that will be of benefit to your clients. Value investing does not, therefore, involves making decisions based on people’s feelings about the trends in the market.

Compounding interest

Value investing allows you to reinvest your dividends and returns. This means that you get to make some gains on your already existing profit. This shows that value investing can benefit you financially by making your compound interest to generate more profits on your shares. This means that you will get to enjoy a handsome profit from value investing.

Assured rest

With value investing, you get to relax as you make good profits from your shares and your stock. This means that you won’t have to worry about the market peaks or troughs. You can rest in your home while you still being able to make good profits from value investing. It will, therefore, relieve you from dealing with the stress of having to check on your performance every morning.

Allows correction of mistakes

Another great benefit of value investing is that they allow one to correct a calculation mistake before one suffers great losses. This is possible since value investing allows investors to invest by a margin. The margin is to provide safety as the value investing company understands the errors that may occur calculations. Value investing companies, therefore, have the interest of protecting their clients from financial losses and that’s why they adopt the safety margin.

Reduced tax rate

clock and coinsWith value investing, you can relax and worry less about having to pay high amounts of taxes. Having your assets on a value investment means that your tax reduces. In some cases, you may not pay any taxes at all. Value investing will, therefore, be good for you.

Factors to consider when choosing a business cash advance merchant

If you are a businessperson facing financial constraints, then, a cash advance can help you address some financial needs. This type of funding can help you achieve more than you can imagine. For instance, you can use it to market your business, increase your stock levels, and pay your employees depending on how much you get. Do you have a cash advance merchant in mind? Here are some aspects to consider when choosing a cash advance lender.

The duration you have in business

woman sitting on chair illustration

Different cash advance lenders require that a business be operational for a specified period before they become eligible for a cash advance. For instance, some will need you to be in business for at least one year. Other lenders might not be very concerned about this. Depending on how long have been in business, amount, and urgency, you can go right ahead and choose a merchant cash lender that suits you.

Urgency of the cash

Most cash advance lenders take a short period to process your applications. On the other hand, some may take longer. This is mainly associated with the number of documents required in order to approve your loan. It is good to have this in mind when making cash advance applications as it will help you plan accordingly. If you need the cash urgently, then, a merchant that will address you need on time without subjecting you to lengthy approval processes.

The amount you need

Different merchants have different capacities. However, most of them can give you a substantial amount provided you run a business. However, the amount you get depends on the business you run and the capital base. These factors indicate your ability to repay the loan in a way. Most lenders will be unwilling to lend borrowers who seem unlikely to pay. On the other hand, high-risk borrowers are also subjected to high interest rates.

Sales volumes

approvedBefore a lending company gives you a cash advance, they may require you to present a statement showing your sales for a given period. This way the lending company will be in a position of determining your creditworthiness. If you cannot provide a statement or your business is seasonal, your chances of getting the amount you want will significantly reduce.

These are some of the many factors most financial institutions look at before financing a business. If you are used to taking business loans, you might be asking, what is a cash advance? This are loans offered by credit card or merchants that have a short repayment period.


folded money

What To Consider When Applying For A Payday Loan

Due to the advances in technology, most things have changed. It is important to note that we almost forget some of the traditional things such as loan applications. Nowadays, you can get instant loans with the help of your mobile phone. However, you are required to understand some of the terms and conditions of a given loan before you decide to apply for it. A payday loan is new to the market, but it is gaining a lot of popularity because it has many benefits unlike other types of loans.

Before you apply for this type of a loan, it is advisable to understand that there are some of the basic requirements you should have before you apply for this type of a loan. First, make sure that you are above eighteen years of age, employed, and you must have a checking account. If you need a one hour loan, this is the best type of a loan to consider. The following therefore are some of the things you are required to consider when applying for a payday loan.

Payday loans charges

money and suits This is one of the essential things you need to consider before you apply for your loan. Make sure that there is transparency over the interest and charges for borrowing a payday loan. However, with payday loans, you will quickly notice that their charges will be displayed on a specific website. Also, it is recommended to check for the default charges or late payment fees should you miss a payment.

Application process

This is another essential aspect you are supposed to consider when applying for your loan. It is advisable to read the regulations first before you make your final decision. However, if you have decided to borrow the loan, make sure that the application process is illustrated or stated. If the application is made online, it is essential to ensure that you know how long it takes for you to receive the approval notification.

Online security

This is also another essential option you are supposed to consider when applying for your payday loan. Therefore, ensure that the website is safe and secure for the users to submit their details. You need to check the lock icon, the web page URL, and the SSL certificates.

Loan termsmoney

Before you decide to apply for this type of a loan, it is advisable to compare various payday lenders and check their loan terms. However, it is advisable to choose a lender who allows higher borrowing limits with best rates.

calculator and papers

The Importance of managing personal finances

Your money is your life, but you could lose it all by making simple and often overlooked personal finance mistakes. Read on to find out the importance of managing personal finances, and you will not regret it.

Why you should manage your finances

Your finances are your responsibility

mouse pen and paper

You are in a position to make choices. The things you do or fail to do can be the ones that make your life successful. Some people usually postpone the money question because they are young. Life is full of surprises, and it is better to meet a situation when you are ready than when you are not. Therefore, do not take the points below lightly. At the same time, be optimistic. An open mind will get you ahead. It is the first step to fixing your money situation. Here are the important points to consider for your financial growth.

Value of money

As with most things, money depreciates. You may wonder how, but in a few seconds, you will learn. Money undergoes a process known as inflation. Simply put, money loses its value and becomes weaker. For instance, money used to buy a car in 1990 will not be the same amount used to buy a similar car in 2040. Inflation reduces the value of each dollar in tandem with time. Therefore, you cannot expect to have a million dollars today and fail to touch it then expect that it will still be worth a million dollars after fifty years. Once you know this inflation issue, the next step would be to safeguard your money against the depreciation

Determines your happiness

Rich people can be happy. At the same time, poor people can also be happy. Happiness is a thing that everyone has or is looking for. The secret is that the management of personal finances has a major implication on the happiness outcomes of a household. Your spouse and children will also have a degree of happiness or lack of it based on the way you manage your money. On the other hand, being able to anticipate an expense and plan for it give you much happiness. Consequently, your happiness spreads to other people who are close to you. Thus, your management of personal finance is as important as your fulfillment of career goals and relationship desires.

Failure to plan is planning to fail

Your ability to be comfortable next month depends on your choices this month. It might seem trivial, but that is the basis of personal finance. You want to spend today while earning more than you spend so that you have more money tomorrow. The inability to follow this basic rule of personal finance leads to many problems. You might be late on your repayments and incur interest and penalties. You might also face an emergency and force yourself to take a loan that you did not want in the first place. On the other hand, you can anticipate problems and save a little money now.

You need to find help as soon as possible and manage your finances. You become ready for a full-scale personal finance planning when you grasp this point. Time does not wait for anyone and rather than procrastinate on this matter; you should embrace it urgently. The overall importance of managing personal finances is the protection of your happiness, relationships, career, and future life comforts.

man holding tie

Choosing careers in the finance field

Choosing the right career can be the defining factor for getting wealthy or not. The best career is the one that matches your interests and skills. It will ensure that you have the energy and enthusiasm to work hard and smart to achieve what you want. This article will be revealing some interesting careers in the finance field that you can consider. They are lucrative in the sense that they offer a fast job promotion opportunity and they are literally without any earning ceilings. The following are attributes affecting your options for a career in finance.

What to consider

Management vs. analysis

men in suits

Before you begin, you need to choose your strengths carefully. The field of finance has two major divisions that you should be looking at. You can start as an analyst and move to management or vice versa. You may also stick to the initial option selection. The two job types require different skills. If you are more into working on complex projects without significant dependence on the performance of other people, then the analysis offer is yours. Otherwise, you should go for the people’s aspect of finance that will reward you with management positions. Either way, you still need the fundamentals of finance.

Early entry or late entry

Another option to consider is the time of entering the finance field. Are straight from your first diploma or degree and are just starting the career? If so, then it would be impractical to go for a management position right away. You will unlock your highest potential when you select a trainee position that includes a mix of everything. You can go for the option that usually goes by a junior title and spend a year or two. Late entrants into the finance field are those who have foundation degrees and specialties in other areas.

For instance, management graduates may wish to become financial analysis by taking a master’s degree in finance. That way, they will enter the field as specialists. Employment, in this case, will mostly be in established institutions like banks, investment firms, wealth management funds, state and federal governments, insurance firms, and actuaries.

The available careers in the finance field

woman carrying filesThe following are the lucrative areas in finance that you should consider for your career. Consumer banking is good for starters, and it offers a strong foundation for advancing to become a specialist in credit analysis, lending side of leveraged finance, investment banking, stock broking, and retirement fund management. After your foundational degrees and a stint at a financial institution, you can branch into auditing, specialist management of investment deals, and as an adviser. There are numerous work capacities for advisers, auditors, and investment managers.

Similarly, there are additional certifications that you need to practice finance on your own. Therefore, you must not forget to subscribe to relevant groups in your city to know the various openings. Many multinational companies, start-ups, and government entities cannot work without financial experts. They provide more than a dozen job titles per company for people with finance backgrounds to fill. Also, these job titles have assistant positions.

If you have the finance major or you are entering the finance field, then careers in finance abound. You only need to consider whether you are into management or analysis. After that, you can proceed to align your strengths and interests with different industries. Pick some companies, and you will realize that they usually have several positions that only finance majors can fit. Careers in finance for advisers, analysts, managers, and bankers abound.

Pure Energies Welcome

church Spiritually, there is only One.

You are one with everything you could ever imagine possible.
From this point onwards cast away your negativity, bend the rules a little and read on with an open mind
.Forget about the person you are now, the worries you have and the beliefs you have formed.
Focus with in yourself and know that this is where all the answers to your questions lie.
The time is now and the change starts within. Open up the unconditional love you have inside, for this is the energy behind Gods creations, the energy that connects every thing with every one. God is Love and this is all
there is, every emotion is an act out of love. Love is the key to Heaven on Earth.In the Fourth Dimension – Heaven on Earth. There will be no, ‘right and wrong’, and God will have no judgment.
There will be your own path; many life experiences that allowed you to experience being God.
And it is your own path that has led you back to Oneness with God. Thus creating Heaven On Earth.
You have experienced being God in all of your many life times, and have created everything you see before you. In this moment you are living in the illusion that you are separate from God and are fearful of God.
But the True reality of it is, that you are God.


person The changing of Mankind is about the realization of Oneness with God. Looking past the illusions of separateness and into a dimension of total Oneness. Where our Mind, Body and Soul in a whole reconnect with the source of Love and Light. It will be the Perfect world .But right now we have to focus on our souls within.
The feeling of being lost and having no direction is the start of your journey. A journey of which you have no limits and the outcome is what you intend for it to be


.The highest authority lies with in you, you can create anything on this journey for you are God, remember?

Click here to Download Newsletter
You May Need Acrobat Reader

Contact us for more Details