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Global Business Analytics


Financial Service Technology Refinances and Filling the Gaps of Student Loans

Financial service companies (FinTech) have made initiatives in altering financial service industry as well as traditional methods of banking and this leads to the disruptions of a number of existing sub-sectors of the traditional lending markets.

Among the areas of the lending market that FinTech considers include student loan refinancing and pikavippi. Increase in rate, fast and easy catering of demands for financial loan products and services, which have not been met by those traditional participants in the market. FinTech has pioneered this market tool and whereby traditional lenders quickly doing the same so as to cope with the market and its demands, otherwise they’ll be left behind, according to a certain financial and marketing analyst.


The change of status quo in the financial industry was due to the crisis that was felt during the previous quarters. There are two reasons looked into – the changing needs and wants of the consumers including the young ones and the status of the loan debt post-crisis. Read More


Tips on Scoring the Best Rate on a Home Loan

The mortgage interest rate has drifted near historic lows in current years but these changes may be on the distance. According to Federal Reserve, they are thinking of increasing the short-term interest rate it controls this coming June in order to send mortgage rates towards higher again. But currently, the rates are favorable to a lot of homebuyers. A year ago, the national average rate is about 4.28 percent but the 30-year fixed mortgage fell to 3.75 percent. This is indeed good news for a lot of homebuyers who despite the signs that the economy is recovering is always finding ways to save money.

However, landing to a more affordable mortgage be it a guarantor loan UK or other kinds of loan does not only depend on having the lowest rate. This also includes many factors because the rate of borrowers are qualified to avail such as their finances, credit score and the amount of down payment that they are planning to make.

guarantor loan UK

Photo courtesy by The Guardian

The chief financial analyst at Greg McBribe said, “As rates go up it will affect affordability.” “But rate is not going to be your only loan consideration. You don’t buy a house because of low interest rates any more than you get married because of a sale at the bridal shop.”

These are some consideration to get the best deal on mortgage:


There are three factors that the mortgage lenders consider for them to decide what rate they can offer to a borrower. Good credit, proof of income and size of down payment.


You need to ask a lender to assess how much you can possibly borrow, so that you can begin a home search that will suite to your budget. There are many lenders out there, but for you to avail more favorable mortgage deals try to compare each lenders loan terms.


The annual percentage rate is very important when you make comparison for a mortgage. It includes the necessary fees that charged by a lender. Bear in mind that the fees are not yet fixed until your interest rate is locked. It will be when you have already passed all the requirements.


If you could show quotation from other lenders there’s a chance that you can negotiate of the reduction for the several fees.


Detroit: Most Expensive Car Insurance Policies in the US

The residents of Detroit have the most expensive auto insurance in the United States —- even more expensive than Brooklyn NY auto insurance, according to the new country-wide analysis.

Along with metro Detroit’s bus service, curtailed in recent years and almost non-existent in some suburbs, the challenge for commuters in Detroit has never been this bad.

Brooklyn NY auto insurance

An exemplary example for the commuting situation is that of James Robertson, 56. Read More


Wonga Cuts Down Cost of Borrowing But Their Interest Rate Is Still 1,509%

UKs biggest payday lending company, Wonga announced they already cut down borrowing cost in line with the new rules. The APR of the lender falls to 1,509% from 5,853% including other fees. However, even if they have already cut down the interest, still, the 1,509% interest rate is too high. After unveiling the lending practices of these companies in November, Wonga together with other lenders have reduced the rate to only one fee while trimming the other. Despite the new rules that took effect on January 2, 2015, in many cases, the lender can charge the maximum amount.

The Financial Conduct Authority expressed that at the start of the implementation of the new rules, fees and interest will be capped at .8% each day while default charges will not exceed £15. Also, the total interest and fees will be capped at 100% of the total amount borrowed. While Wonga’s APR is set at 1,509%, there are other lending companies charging lower like the payday loans companies – Uncle Buck whose APR is set at 1,269.7%. On their representative sample, when a borrower takes out a loan worth £200 for one month, a single repayment on the scheduled date will only cost £248. The funds are transmitted free and they are one of the leading lenders in the UK that is known for being reliable and genuine. They do not charge upfront fees, application is easy, you can quickly make a decision and the approval is fast. However, they warn the people that late payment will cause serious problems in the future, so before getting a loan from payday lenders, you must understand the consequences first.

Payday Loans Companies - Uncle Buck

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High Class Catering Company in Vancouver: Savoury Chef

Savoury Chef in Vancouver BC is one of the top high end catering companies in Canada today. They offer delightful dishes that are made from the best, local, and seasonal ingredients in the region. They cater to private events including holiday balls, weddings, and elegant productions such as the 2 consecutive Cirque du Soleil tour stops in Vancouver.

Ever since they have launched their company way back in 2006, they have more approximately 45 full time staff members and 120 part-time employees. The success and vast expansion of Savoury Chef is largely attributed to their vision and goals as a company. They aspire to continually grow and be an innovative leader in the food industry of the country.

Typical Customers

Their typical clients are from the business industry, as well as those that look to celebrate occasions such as weddings or birthdays. They have catered to several major events including Cirque Du Soleil, DMC’s travel events, gala award events, business launces, and the like. They also have a good reputation in the wedding industry because of their perfect execution in catering an event that is once in a lifetime. Read More


Overcoming Financial Crisis through Frugal Living

In order to live and survive, people need money. Good for those who have enough savings because they have something to rely on in case of emergency. But for those who are earning a small amount, saving may not be a priority. But saving is very important. No matter how much we earn, there should be a certain amount that we should allocate for our savings.

It is not all the time that we can borrow money from our friends and relatives to pay our bills and daily expenses and address emergencies. However, going for payday loans may be a good idea. Companies like QuickQuid are offering fast payday loan with flexible repayment terms. In order to save money from the interest, they also offer promo codes that customers, especially beginners, can use whenever they apply for a loan.

But in order to truly overcome financial crisis, having a frugal living is a better solution. Below are some frugal living tips to consider.

Narrow down expenses if possible

The most common monthly expenses we have in our household are the bills such as water bill, electric bill, Internet service fee, and others. If it is hard for you to pay your bills on time, try making advance payment arrangements to avoid paying extra charges or penalty. This way, you may be given a longer period of time to settle your bills. Read More


Cigna Sued by Consumer Group for Discrimination

In Miami, Consumer Watchdog, a consumer advocacy group sued Cigna for its new policy discriminating people with sexually transmitted diseases such as HIV and AIDS. According to the group, the policy violates the federal health law by requiring them to get their medications from its mail-order pharmacy.

The group has filed the suit in the federal court of South Florida. According to the group’s statement, the sending of drugs through the mail sets the privacy at stake since the packages could possibly be sent to the wrong address or even be seen by others. Moreover, the sending of packaged mail is not reliable because people cannot ensure that they can get their medications on time. It also prevents them from speaking personally with the pharmacist. Plus, even though the patients cannot obtain the medication, they still have to pay the price in full.

In addition, the group put into the allegation that the policy also violated the Affordable Care Act since it discourages patients of HIV and AIDS to choose what company’s insurance plan to get since they have difficulty in obtaining their medications.

Whether the patient is an insurance federal beneficiary or a private having insurance plan like those who are paying term life insurance rates and insurance products, one should be well treated as a consumer.

term life insurance rates

The legal counsel of Consumer Watchdog, Attorney Jerry Flanagan said that, “The plaintiff is a Fort Lauderdale man referred to as John Doe in court documents. If he opts out under the policy, he would face exorbitant costs because his local pharmacy would be considered out of network.” Also he added: “What’s the good of an insurance policy if you can’t get the medications you need to stay alive when you need them or are forced to risk your health and privacy to use it.”

As of the moment, Cigna has not yet responded to the allegations made.


Be Cautious About Credit Counselors

Credit counsellors have negotiations skills, they promise to reduce payments through lowered interest rate or spread payments in a longer period of time. However, the CFPB said, the consumers should be more cautious about credit repair companies promising to reduce the total amount owed. CFPB added, to distrust companies that promise debt settlement. For example, when a creditor agrees $100 to forgive from a debtor, these debt settlement companies will charge fees.

When you sign-up to manage your debts, make sure they will include all your debts and be certain you will receive regular reports of your accounts. Also, you can research online of the company you will sign-up, read reviews and complaints about them. Complaints are everywhere even in trusted and reputable credit repair companies like the Lexington Law Credit Repair. Here are some complaints from Lexington Law customers:

“I was told that they could help me with three 30 day late payments on my credit report. I was a victim of Mail Fraud at my local post office. This Law Firm tried to coach me into making false statements to help fix the 3 minor items. They asked me to allow them to write letters and put wording in it like “The 3 incidents were related to a divorce,” which was not true. I terminated the service because I did not want to give false statements. They told me that the bank drafts would stop and that I was paid up. The next day, I noticed another payment pending. When the employees of a law firm ask you to lie, you need to find another law firm. The letters they wrote resulted in 2 accounts being locked.”

“Don’t waste your money. They convinced ME to sign up for a family account and have my daughter’s credit monitored/improved as well. They charged me 99 dollars monthly per person to MY credit card. They did nothing but send a few letters which did next to no good. After about 6 months of this I called and requested cancellation of all my services. After another month I noticed that they continued billing for my daughter’s service. (They failed to mention that she needs to speak to them personally when I made the cancellation.) Very convenient… an easy extra 99 bucks they made just by being deceptive and negligent. And for doing totally NOTHING. Totally unethical business.”

To help manage your debts, here are important factors to look for in a credit counsellor or a credit repair company:

  • Low-cost or free counselling.
  • Straight talk when it comes to fees.
  • Free information.
  • Free help when it comes to serious financial hardships.
  • A wide-array of services.
  • Professionalism
  • A thorough interview.
  • No minimum size of debt allowed.
  • No black marks.

Every customer must be extra cautious about credit counsellors and credit repair companies. If you cannot find any of the factors listed above, look for another company that can help you.


Where to Invest while the Stock Market Has Slumped

On Friday, the U.S. stock market has slumped for more than one percent and some traders are looking for sunshine through the consumer stocks and building materials.

The plunge of the stocks was due to the drop of European equities and revived concerns about Greece. According to Michael Block of Rhino Trading Partners “the selloff was just a little correction that represents a trading and buying opportunity.”

“Everyone’s freaking out about the DAX’s down two days in a row, heck it was up 23 percent year to date. The thing keeps moving. Nothing’s really changed here.  We’ve got some big data coming out next week. The data has been fine at worst.” As said by Block during a CNBC’s halftime report.

An institutional consultant at UBS, Rob Sechan, also said that the recent stabilization in oil prices, even though the absolute values are low, may still boost the consumer stocks. Per Sechan, “low energy prices, broadly lower rates, although trending in the other direction right now, is broadly supporting for the consumer sector.”

internoil 30 day loans

While the other markets are declining, according to Bill Pulte, CEO of Pulte Capital Partners, which focuses on building products, there is a strong housing market ahead. Per Pulte during an interview, “we certainly had a slower Q4 and a certainly slower Q1 than we would have thought, but if you ignore the noise, the housing market is still strong and it continues to grow.”

He has hinted that it will increase merger and acquisition activity among building product companies and have pointed out that the trend, in the coming months, will most likely influence the housing market.

What is a Consumer Stock?

A stock of a company that makes consumer-oriented products, example: food, pharmaceuticals or beverages.

Top 10 Consumer Stocks to Consider

  • Collectors Universe Inc (CLCT)
  • Carriage Services Inc (CSV)
  • Sotheby’s (BID)
  • Block H&R Inc (HRB)
  • Lifelock Inc (LOCK)
  • Stonemor Partners LP (STON)
  • Liberty Tax Inc (TAX)
  • Regis Corp/MN (RGS)
  • Steiner Leisure LTD (STNR)
  • Ascent Capital Group Inc (ASCMA)

With today’s economy and a decline in stocks, it is a good time to invest just like what Warren Buffet has done during the U.S. recession. If you are aspiring for buying some stocks but have no means or capital to do so, one should never shy away from availing the internoil 30 day loans. With its easy approval process, owning and managing a stock is just a stone’s throw away.


Mobile SEO Tips for You to Survive Google Mopocalypse

Google will exercise a huge update this coming April 21 which is called mobilegeddon, mobocalypse, etc. This update is expected to do well in domains with mobile-friendly pages. If your site does not work well in mobile devices, expect it to drop its page rank. However, there is nothing to worry because an infographic has been made which includes helpful advices to make your SEO work.

You Must Have a Responsive Web Design

Having a responsive web design will make it more convenient for the users to use one URL to share and link the content of your website. Also, load time and mistakes on mobile sites will be lessened. There are still more to get in considering this step.

Dynamic Serving

With dynamic serving, the server will be able to respond to different HTML on a single URL based on the user agent. You should detect user agent strings appropriately through Vary HTTP header.

Avoid Blocking CSS, Image Files and JavaScript

You should review your robots.txt in the Google Tools. Googlebot must be able to crawl your CSS, JavaScript and image files through the “Fetch as Google” found in web tools. Also, through mobile-friendly test, assess your mobile pages if it will work. Always make sure that your URL is compatible for both mobile and desktop use.

Consider Site Design for Mobile

Touch screen devices is prone to accidental clicks especially if the design is not suitable for fat fingers. Make sure that you use fat finger design to avoid mistakes for the users and find it easy to navigate in your site. Also, you have to make sure that there are no pop-ups. These can be hard to close in mobile devices. Last thing, don’t use flash because the plug in may not be available in some devices leaving the users disappointed.

What You Can Get from Mobile-Friendly Websites

  • You will get higher traffic.
  • Users will have a good and happy experience with your site.
  • You will have increased conversions.
  • Decreased bounce rate.
  • Enhanced loading time.
  • Your domain will be more competitive.

Insights You should Know about Mobile-friendly Designs

Nowadays, billions of people are using mobile devices. A huge percentage of these devices are smartphones and people use these to surf the web. This is why Google is now paying more attention to sites that are mobile friendly. There are still many things that every site owner needs to know about adapting to the change Google wants.


How to Take Control of Your Finances?

Do you feel the need of properly managing your finances? Are you just only living for today and not thinking of what your bank account will look like in the future? Do you doubt your ability to come up with a personal finance plan for yourself that will bring you to success?

Well, you’re not alone. There are many millennial who want to begin doing more out of their money but don’t have any idea where to start. You can manage your monetary situation and empower yourself with facts. Here are some useful tips that you can begin taking now.

Have a student loan repayment scheme

A lot of the generation Y members are facing student loan debt. However, it shouldn’t be this way. If you feel that you are being overwhelmed by student loans, it’s time to create a plan and start discussing your debt. There are many income-based repayment schemes available these days to those who have federal student loan debt. You might also be eligible to have your student loan be forgiven if you are in a sure profession or willing to volunteer with selected organizations.

Don’t allow student loan debt hinder you from making huge financial decisions like of owning a house, marriage or starting your own family. Know your priorities, come up with an action plan and be free from debt.

Save more cash

It’s as simple as that. If you want to control your finances, you should make sure your expenses are lesser than your income. With that, it will prevent you from acquiring debt, yet it will make you living paycheck to paycheck without anything left at the end of every month.

If you want to attain financial victory, you should ensure you put higher priority of your saving over your spending. As soon as possible, get yourself into the savings habit and you will get into your goals quickly and will find it easier to protect yourself from lifestyle inflation.

After you’ve settled all your debt, you can shift your focus to assertively boost your savings. Begin by establishing and emergency fund, then consider about other huge financial goals and financing your retirement accounts.

best credit repair

Clean your credit history

If you have overdue debt of your credit card, it will definitely stain your credit record. With that, it will be hard for you to avail loans. But don’t worry much about it since there are credit repair companies to help you in bringing back your clean record. Just make sure that you are dealing with the best credit repair service provider since there are many scammers sprouting like mushrooms today.


Asia’s Way to Wealth and Investment Opportunities

Many investors have been anxious about the impact of a Chinese slowdown on emerging markets on Asia; however the long-running growth history remains intact, according to Mathew Asia, specialist investment manager.

One of the critical areas of growth is consumption. Showing the divergence of economies in Asia and their path to wealth, Matthew presents an interesting chart showcasing the standard of living among different Asian countries, expressed through application of Geary-Khamis dollars – the theory of international dollars based on buying power parity – to Japan today.

For instance, the standards of living of Mongolian and North Korean are at close to that of the Japanese during the 890s – when China and Japan battles in the Sino-Japanese war and x-rays were  discovered by Wilhelm Rontgen – while China’s is comparable of an 1970s Malaysia, Thailand and Japan are a step forward at the middle of 1970s.

This just means that there are many countries have long way to go until they attain the current economic status that the Japanese, Taiwanese, South Koreans are indulging right now, providing greater opportunities for investors.

“There’s a huge opportunity set for you to join in the consumer story. Improvement of the services groups is a motivating factor to advance, “Lydia So, the U.S-based portfolios Manages of Matthews said.

According to her that a single chain of the convenience store in the Philippines – which during the 1950s stands at Japan, serves 80,000 of people. On the other hand in Japan, there’s only one for each 2,200 people. This happens because there are lots of mom-and-pop stores in PH, similar to that of in Japan back then.

So paying attention on small cap stocks and her normal holding regime is years. “You can opt for many companies with more focused business models. Investing in speculative way is not our thing”, she stressed.

Hearing the rich economy that may soon develop in some of the countries in Asia, you might as well consider investing into a home for you and your family, maybe not somewhere in this continent or in Scottsdale perhaps? If you are considering of moving to Scottsdale for good thinking of the good quality of living that you can start there with your loved ones, then you are just giving yourself the right kind of favor. For home and property assistance try visiting for more detailed information and great offerings. You surely won’t say no to their wonderful deals for homes and property needs.