Paul Linus, Author at News, Views and Reviews

Jul212020 by Paul LinusNo Comments

Strategic wealth – How to start investing in real estate

Business

Strategic wealth - The hardest part of doing anything is the beginning. Like everything else, real estate investing is a risky endeavor and needs a strategic wealth planning. Taking time to think about what types of investments to pursue or how much to invest is critical before starting a real estate investment business. However, don’t let the analysis become paralyzing. Real estate, as an asset class, represents a much safer strategic wealth investment in most areas than stocks. Furthermore, an investor can directly affect the bottom line of his/her investment. Start Investing Today Now could be the best time to start investing in real estate, says strategic wealth expert. With the market already substantially off of its highs, the downside for new investors is fairly low. One of th...

Jul202020 by Paul LinusNo Comments

Integrated wealth management: Business information, effective business management

Business

Integrated wealth management - Along with scientific, technology & medical and education/training information, business information delivery has been transformed by the Web. Business information consists mainly of market research reports for different industries/regions, company information including credit and financial info, economic analyses of countries and industries and news on developments of business interest. How is Business Information Used? As discussed in the article on business strategy development, strategy formulation depends heavily on gathering information about external environment, market trends, competitors, technology developments, and prospective customers and their plans. All these come under business information. Business information also includes marke...

Jul182020 by Paul LinusNo Comments

How to clear college student loan debt

Finance

The golden rule of college student loan debt is to never default. Although an unsecured debt, it is notoriously difficult to write off and defaulting on a student loan will leave fewer options. Income based repayment plans, forbearance and deferring repayment will no longer be possible. Repaying student loans at an affordable rate is the best option when disposable income is limited. It isn't in anyone's interest to see the borrower default so a number of different forms of assistance and guidance are now available. Income Based College Student Loan Debt Repayment Since the 1 July 2009, it is possible to cap each monthly student loan repayment at a more affordable rate. Hard-up college graduates are now able to pay just 15% of the amount of income they make that exceeds the federal p...

Jul152020 by Paul LinusNo Comments

Tips on how to retire without running out of money

Finance

Whether one is contemplating retirement or already retired, the primary need for this stage of life is sustainable income. The challenges of rising medical expenses, inflation, taxes, and uncertain U.S. Social Security retirement benefits greatly complicate the equation. The key question for retirees changes from “Can I afford to retire?” to “Can I afford to stay retired?” Income Needs During Retirement Many people assume they will need less income in retirement than they did during their working years. Others are surprised to find they need the same amount of income or sometimes more to maintain their desired retirement lifestyle. Income needs during the early years of retirement are largely driven by leisure activities, such as travel. Later in retirement, the need for more, an...

Jul132020 by Paul LinusNo Comments

Money handling tips while obtaining auto dealer financing

Finance

Money handling - Obtaining an auto loan is exciting and many dealers offer in-house financing, which allows individuals to easily receive the loan for the car they desire. This can be a good thing, but without careful money handling, it could lead to the dealer taking advantage of the individual purchasing the car. Below, individuals will learn how to work the auto finance network with important tips for obtaining auto dealer financing with good money handling tips. There are several reasons to save money and smart auto loan is one of those. Check Interest Rates Individuals have the option to negotiate the interest rate for their financing. It’s important that they exercise this option because the dealer will almost always make the interest rate higher than they actually plan on ...

Jul102020 by Paul LinusNo Comments

Strategic financial planning – How mutual funds work

Finance

Strategic financial planning - Mutual funds are popular, albeit often misunderstood, investment option. For the newer investor, mutual funds offer an alternative to risking precious money on a large number of different stocks or other investments. Pooling of Funds Is a Key Component Mutual fund accounts contain a wide diversity of securities, permitting individuals to join others in making smaller investments, while creating dollar pools large enough to make significant purchases of quality stocks, precious metals, bonds, or U.S. Government obligations. This pooling of money gives the fund the financial strength to make both wise and large purchases. Pooling also permits smaller or less sophisticated investors to enjoy the benefits of owning a small percentage of a wide variety o...