Southern Voice Post MDG – Your digital finance advisor

Benefits of Using Credit Repair Services

15/08/2021

by Deacon Farrell Credit

Credit repair companies are available to help consumers remove negative credit information from their credit card reports. An adverse credit report can prevent a consumer from making major purchases, such as buying a home or car. While you have the option of repairing your credit yourself, there are many advantages to working with professionals. Here are the main benefits of using a credit repair agency. Read on to learn more about credit repair reviews and why it may be a good idea to contact a credit repair agency.

Saves Your Time

Credit repair can be very tedious and time-consuming. For each item on your credit file, there are many laws and notices that you can use. There are many situations where you may need to dispute original creditors, collection agencies, or credit bureaus. You hire credit repair professionals to check your credit reports, gather information, write letters, follow up, etc. This allows you to focus on other tasks and not worry about checking your credit reports for errors.

They Have a Lot of Resources

This is a great advantage of using a credit repair company to improve your credit score. These companies have a lot of resources, allowing them to handle credit repair efficiently. It can be difficult for a consumer to improve their credit score without adequate resources. While anyone can improve their credit score, the best companies have the resources, experience, and expertise to go beyond simple disputes. Credit repair companies have many resources at their disposal. They can contact attorneys, familiarize themselves with different policies and find the best people to get things done. Credit repair companies can help improve your score by using all of their connections and resources.

Saves Your Money

Credit repair can help you save money in almost every area of your life. A better credit score can make a difference in your life, including insurance premiums and interest rates. By improving your credit score, you can reduce the amount you have to borrow for a car loan or mortgage or the interest rate you pay on items you buy with credit cards. Lenders evaluate your credit score when deciding how much to charge to lend you money or grant you a line of credit. You may get better interest rates if you improve your credit score sooner than those who don’t take the time to review inaccurate or unfounded credit reports. Your credit score may also influence prospective landlords and employers.

Final Thoughts

There is nothing wrong with using the services of credit repair companies. Using credit repair companies ensures that you have someone who deals with credit repair daily. They have the experience and resources necessary to do the job efficiently, faster, and better than you. They have the expertise to do this type of work.…

Ways to Improve Your Credit Score

15/07/2021

by James McCoy Credit Finance

Although most people want to have excellent credit scores, this is not usually the case. There is a lot that comes into play when improving credit. It is quite unfortunate that although using credit cards has many benefits, it also has its fair share of disadvantages. Having low scores can affect your financial life in so many ways.

Many people with poor credit scores struggle to get good insurance covers and loans. It’s high time you try your best to improve your credit score, and it is never too late to do so. The article will detail some important information on how you can improve your score. Here are some of the ways you can effectively improve your credit score.

Utilizing Credit Repair Companies

Unfortunately, most people with poor scores are unaware that credit repair companies can help them achieve excellent scores in short periods. As their name suggests, credit repair companies offer services that are crucial in improving credit scores. Although such companies offer great results to those who hire them, it is essential to note that not all companies will perform as they claim.

You need to choose a credit repair company that is reliable and makes realistic promises. Depending on your scores, it may take a significant amount of time before you start seeing some improvement. If you have some money to spare, you can pay credit repair companies to do the hard work for you.

Paying Your Bills on Time

Apart from using credit repair services, it would help if you considered paying your debt. One of the main reasons why many people end up with low credit scores is debt. As more people tend to have reasonable high credit limits, many end up using a lot of money and do not pay on the agreed time.

Spend some time looking at your credit reports to determine if you have not paid any of your bills. It is crucial to note that you should dispute any errors in your credit report as they may end up affecting your score. Paying your bills on time will have a positive impact on your overall credit score. Creditors tend to make reports if a credit card holder fails to pay up in the agreed period. If you are having some financial problems, you should look for other ways to come up with the money you need to pay your bills.

You should not lose hope if you are unfortunate enough to have poor credit scores. There are many ways you can effectively improve your scores. For more details, please talk to a financial expert or do more online research on the topic.…

Benefits of Having an Excellent Credit Score

02/07/2021

by Deacon Farrell Credit

Your credit rating serves as a sign of your financial behavior. Specific scores classify a person as worth funding, while other ratings will limit their chance of getting loans. People with better credit scores also get better interest rates when taking loans. Having excellent credit ratings is unnecessary, but poor scores limit you from numerous financial products and services. It is the reason many people seek credit repair companies to help them get their accounts on the right track. If you wish to get the best repair results, ensure you get services from a reputable professional.

If you are uncertain about seeking credit repair services, below is a list of benefits you stand to get when you have an excellent credit score.

Low-Interest Rates on Loans

When you borrow money with a low credit score, you should expect to get a loan with high-interest rates, which ends up being costly. However, working to fix your ratings to better numbers means you have access to credit cards and loans with low-interest rates. The lower the interest rate, the easier it is to clear your loan fast.

Better Chances for Loan Approval

If you apply for a loan from a bank or any lending institution, the chances are high that they will check your financial background along with credit ratings. If your credit score is below what the value lenders consider excellent, you are less likely to get approval for a loan or credit card request.

More Negotiating Power

With excellent credit scores, you have more negotiating power when asking for a loan. Take advantage of the offers based on good credit scores. When your ratings are below excellent, you have little to no say in the interest rate of your loan. If you consider getting a loan, it is advisable to maintain excellent credit ratings and financial records.

Quicker Approval for Apartment and Home Rentals

Do you plan on renting a home or apartment? The chances are that your approval will get granted quickly when you have excellent credit scores. Many homeowners are reluctant in renting their homes to people with poor credit scores. If you wish to better your chance of getting approved to rent a residence, ensure that your credit score is excellent.

The information above highlights some of the known benefits of having excellent credit scores. If you wish to experience any of the detailed advantages, seek the best credit repair agency in your region and improve your credit score.…

How to Start In Foreign Exchange Trading

17/04/2021

by Deacon Farrell Currency Exchange

If you are still thinking about becoming a professional forex trader, you may be wondering how to get started in forex and how much money you will need. This article will help you understand more, giving you a guide on how to get started in online forex trading today.

Learn the Principles

While learning how to trade, you can benefit from many resources that are now available online. For example, you can find a video tutorial on YouTube or even the best forex traders. Regardless of the information you get from training, there are a few fundamental principles that all successful traders incorporate into their trading. When you start trading forex, there are many basic principles that all forex traders follow.

To begin with, choose a plan that suits you. Keep educating yourself about this particular strategy. When you master it, start learning a new one. Develop a strict trading program that can dictate all your trading actions. This will prevent bad habits from forming early on, such as overbought trades.

Choose a Broker

Before you become a trader and start trading in the forex market, you must first download several applications about trading and choose a broker. Brokers give you access to the market through a trading platform that allows you to analyze prices and execute trades. Before applying for a live account with a broker, open a demo account to understand the basics better. Also, consider opening a demo account with a trading platform or service to test their trading platforms and services before funding your live accounts.

Practice with Your Broker

The first move is to start a practice account with your preferred forex broker. Select the currency pair you want to trade. This will give you introduction to all the currency markets you can access and information on the current exchange rate. If you do not want to wait for the respective exchange rates to be reached before opening your first trade, you can ask the trading platform to open the trade at the current exchange rate. You can specify the profit you want to make and the amount you wish to trade.

Start With Virtual Money

It would be best if you started with a virtual money account when you are new to trading. This type of account allows trading in virtual currencies to test strategies and better understand the exchange rates of different currencies and their prices. Although it is simple, foreign exchange trading is a currency exchange you may use when traveling abroad. Traders purchase one currency and trade another, and exchange rates shift constantly depending on supply and demand.…

Cryptocurrencies: Why they are a Perfect Medium of Exchange

12/08/2020

by Deacon Farrell Cryptocurrency

Most online outlets are now accepting Bitcoin and other types of digital currency. This is a type of virtual currency that can be used as a medium of exchange. The use of cryptocurrency for various online transactions has become common over the past few years. You can also trade cryptocurrencies and make more money. Different virtual currencies have digital coins.

Each coin goes for a certain value of an actual currency in various digital currencies. The cryptocurrency market is quite volatile, so these values may rise or go down with time. You have to access a trading platform to buy or sell these digital currencies. There are several of them out there you can use for such a trade. Bitcoin Revolution Italy is one of the best automated trading platforms to use.

It is important to understand how the market works to know when to buy or sell your cryptocurrencies. This way, you will be able to make more profit out of it. Look for a simplified trading platform with a good user interface that allows you to navigate through different features smoothly. You can also consider the deposit and withdrawal options to understand how easy it will be to access your funds. Cryptocurrencies have proved to be an excellent medium of exchange in this digital age. Here is why you should try them.

Confidential Transactions

If you want to conduct safe and confidential transactions, then cryptocurrencies are the way to go. Most regular options, like the use of banks and other online payment systems are not confidential. A reference document may be recorded to act as proof of transaction. It is different when you opt for cryptocurrencies because everything is confidential.

Zero Transactions Fees

You will incur zero costs when paying for different products or services using virtual currency. External fees may only be incurred when you engage third parties to manage your digital wallet. All in all, you will incur less in transaction costs for these virtual currencies. You should try them out to avoid spending more on your transactions.

Good for International Trade

Cryptocurrencies are universal and widely accepted in the majority of online stores. You don’t have to worry about some of the limitations experienced when it comes to the payment of items bought from various online stores. With virtual currencies, you will enjoy smooth cross-border transactions that are less expensive. How about you start using them for this and more benefits.…

Google Ads: A Great Way for a Small Business to Grow Its Revenue

21/03/2020

by Deacon Farrell Revenue

Do you have a small business that you have been running for a couple of years now, but yet it seems like it is not getting anywhere? Are you still having a hard time catching up with all the expenditures? If your answer to both questions is YES, then why not try to utilize Google ads to improve your business?

Google ads is quite popular nowadays, and it has helped a lot of small businesses significantly grow their revenue.

Google Ads in a Nutshell

Google ads are those that show on top of Google’s search results. They actually have the word “Ad” prior to the website address so users can easily differentiate them from the regular search results.

Once you start using this advertising tool, you will have to come up with keywords that are relevant to the products or services that you are offering. The better your keywords are, the more potential leads you will get. Therefore, if you want to grow your revenue, you have to search for the best keywords, those that are most likely to be typed by online users.

How Can This Tool Benefit Your Small Business?

Through Google ads, you will have the opportunity to be found on the search results. Not just on the first page, but also on the very top. This tool is the fastest way for you to be discovered by your target market locally.

Also, Google ads are measurable. This means that you can easily monitor if your campaigns are working or not. You can see your losses or gains, and this awareness will help you make better decisions for your business, especially when it comes to your finances.

Ultimately, the use of Google ads is an excellent way to grow your revenue. Since it is a lot easier for you to be seen by your target market, you will get more potential leads, which could also be converted into sales.

Another good thing about this particular tool is you have full control of your marketing budget. It is up to you to set a certain amount that you would like to spend in a certain period of time. And since you have a way of monitoring the results, you can always increase your budget to get more returns.…

Why Choose a Reputable Bail Bond Agent

17/11/2019

by Deacon Farrell Finance

Until November 2020, the fate of cash bail in California will be settled. The law to abolish it has been made pending until a referendum on the matter is staged next year. But even then, choosing to be out of jail by paying bail should not entail a lot of decision-making as there are significant advantages of using bail bonds Oakland against cash bail.

Bond bail does not require you to raise the whole amount of bail amount required for the crime you are accused of. You only have to pay a bail bond agent 10% of the bail bond amount. If you have the money right away, then you can pay it in cash. But trials can sometimes last for years, investing your money could have raised more than the 10% you have to pay a bail bond agent. And if you do not have money for the whole bail, a reputable bail bond agent is indeed an angel sent from heaven.

The following are the many benefits that you can derive by choosing a bail bond agent with a good reputation.

You Have a Friend and a Confidante

When you were arrested, you must have felt that the world has stumbled on you. Some of your friends, relatives, and acquaintances must have judged you at the very start. Although some may be on your side, they may not be on the jail premises to talk and comfort you.

Bail bond agents will always there when someone needs them to bail them out. They may be the first to come and visit you in jail. You will be able to talk to them. ‘Someone to talk to,’ we always ascribe to a friend. You can choose a bail bondman with whom you can talk to while still in jail.

You Found a Financier

While in jail, you will not have the means to raise the bail amount, not unless you have ready cash. You can also seek the help of your family, but your arrest may have been brought them anguish. You can spare them from more depression by solving the problem on funds by yourself. A bail bond agent will be very willing to finance your bail.

You Have a Personal Assistant

A bail bond agent will assist you from the very beginning. With more documents to read and understand, fill in the needed information, and then signing them finally, you may not be able to do them all together with your mind in a state of shock from the arrest.

A bail bond agent will assist you with all of the requirements. All you may have to do is affix your signature. And that is not the end; he will be there to remind you about your hearings so you will not miss one.…

Why You Need to Use a Credit Card

29/08/2019

by Deacon Farrell Credit Card

Credit cards are unique types of bank cards that people use to borrow money and then pay back with interest. The use of a credit card is an effective way of managing one’s finances. Anyone who is disciplined with his spending can enjoy many benefits of using credit cards. For instance, you can make your life easier by understanding how these cards work and paying off your card balance in full monthly.

Individuals who are not disciplined with their spending behavior are likely to get into financial troubles. Those who are indebted should prioritize on paying off their debts. Managing your finances is an effective way of avoiding financial crises and making your life easier.

Rewards Programs

There are many reward programs that you can get by using a credit card. However, there is no point of buying items that you don’t need or overspend just to earn yourself points. When using a credit card, you should choose a program that would benefit you most. The rewards points that you get can be used on different sorts of things from car hires and flight to grocery shopping and petrol. It is also essential to check if the card has an annual fee. If you have enough points from the reward program, you can use them to get something with your leftover points or even pay off the annual fees.

Complimentary Travel Insurance

Some of the consumer protections that come with credit cards include extended warranty insurance, travel insurance, purchase protection insurance, and extended warranty insurance. Findings show that more than twenty percent of the people who buy goods online love cards that come with in-demand features like travel insurance. These are some of the complementary features that can save people a great deal of money and time.

Signup Bonuses

Most of the credit cards are known for offering attractive bonuses that reward their customers who have signed up with them. Such bonuses include long term perks like reduced and promotional interest rates, bonus points, and complimentary flights.

However, some cards have signup bonuses which are not of good value. This means that you should look at the terms given before applying. New users are advised to avoid signing up with cards whose requirements are not in line with their spending habits. Ideally, good credit cards should have signup bonuses with excellent value.…

Why Use a Mortgage Broker?

03/08/2019

by Deacon Farrell Loans

So you want to buy your very first home and not worry about paying the monthly rent on an apartment anymore. You must be very excited about this move, but the question is, are you financially ready?

Mortgage Broker

What is a mortgage broker? Simply put, this individual serves as a middleman between you (the borrower) and the bank or lending company.

Some home buyers hesitate to seek the assistance of a mortgage broker, and so, they decide to apply directly to different banks. They don’t realize the huge help that a mortgage broker can provide, which we are going to discuss below.

Finds the Best Deal for You

The middleman will first interview you so they can assess what your needs are. This will give them a better view as to what your budget and circumstances are, and from here, they can match you with a deal that best suits your needs.

Sure, you can simply get online and look up some banks that offer home loans, but this may take you long hours or even days. But if you use a broker, you will be able to save time.

You Won’t Get Stuck

If you have already tried applying for a home loan directly, then you must have realized how confusing the process could be, not to mention the terminologies that you come across with as you start filling up the forms. Without any assistance, you will surely get stuck, and this will hold you back from owning a home soon.

With a well-experienced mortgage broker, you will understand the entire process better. They will tell you which forms you need to fill up, and if you get confused, they will be there to guide you. You can then complete the necessary documents a lot faster.

Gives You Access to Special Deals

Some banks and lending companies offer special rates, which are only available through a broker. You won’t be able to get these if you go to the lender directly. With this alone, you can tell that having a mortgage broker by your side is quite important as it opens up more windows of opportunity.

With a middleman helping you all the way, you are not only saving time, but it also allows you to save money.…

How to Choose an Insurance Company

24/04/2019

by Deacon Farrell Insurance

Insurance is one of the most underrated services in the world. An insurance policy is not a priority in many people’s life. Ironically, everyone should own insurance policy. Especially life as well as a medical policy. How many times did you miss an accident by a whisker? Do you ever imagine what might happen to your life if something bad happens? Therefore, make sure to get the best insurance. However, getting yourself the best life insurance policy is a challenging task. This is how to land yourself in the best insurance policy.

Gather Information

Information is power. Gather as much information as you can. Visit the local insurance firm to inquire about the services they provide. This will give you an insight into the possible policies you can buy. Ask them of the best policy that can meet your future in unexpected situations. An insurance broker is the best source of information. Having been in the industry for a considerable long time, they’re well equipped with a lot of education.

Understand the Policy

You can buy several insurance policies. Starting with full life insurance, this is a policy that compensates the insured in the event of death or injuries in the body. There is a commonly known health insurance. This policy compensates for health as well as hospital bills underwent by the insured. It does not compensate for death. Other policies were designed such that to meet the need of a specific customer. For example, a footballer can get medical insurance for his or her leg only. A musician can insure his or her voice. Before making decisions, you need to understand the specific policy you require.

Choose the Insurance Company

Be sure to choose the best insurance company in the market. For business purposes, the less the claims an insurer pays out, the more the profit it makes. For this reason, an insurance company may be reluctant, or rather make the compensation process so tedious to reduce the number of claims paid. To some extremes, in case you fill a claims form, an insurance company will hire a lawyer to point out a possibility of negligence in the insured side. This is not good for business. Such a firm should be avoided.

Do Not Forget to Consider Your Budget

Your budget will go a long way in dictating the type of policy you select. In addition to this, you need to plan the payment plan in a way that it favors you. If you get monthly salaries, then it is prudent of you to select a policy that allows monthly installments. If you’re a businessman, select a policy that allows you to make payment at your pleasure. If you don’t have a family, there is no point of taking life insurance that compensates after death. In this case, a health cover will serve you justice.

In conclusion, there is no perfect policy. It all depends on the customer. The price, as well as the reliability of the firm, will be the significant factors to consider. Remember to take a policy that is relevant to your needs.…

Top Benefits of Using Cryptocurrency

27/08/2018

by Deacon Farrell Finance

Even though cryptocurrency is not a mainstream payment method, new retailers are accepting it. Most businesses have taken this method of payment because it offers many benefits more especially to the retailers.

Having emerged as the best digital alternative to various traditional methods of exchange, cryptocurrency has turned out to be the best and effective payment method that is gaining popularity in the business sectors. However, if you have not heard of this new payment method, the following are some of the benefits one can get from using cryptocurrency.

Lower Fees

Cryptocurrency is not involved with any transaction fees because the network always compensates the miners. However, if you have ever used some of the online services such as Paypal, then you will quickly understand how cryptocurrency works.

When you try to engage the services of a third party, there may be some extra fees involved. But still, even if you employ the management services, you will be required to pay fewer amounts of transaction fees. This, therefore, is one of the significant benefits you can get with cryptocurrency.

Identity Theft

Once you have given your credit card to a specific merchant, then that’s the same as giving out your full credit line. In other words, credit cards are mainly used where the store initiates the payment. But with the use of cryptocurrency, it allows the holder to send only the information required by the recipient or merchant.

Immediate Settlements

When purchasing real property, you are required to include some third parties such as notary and lawyers. But due to the modernized payment methods, one cannot be stressed to involve third parties when purchasing real property.

With the use of bitcoins, you do not need lawyers when making your purchase. They are enforced to eliminate the existence of third parties. Therefore, if you do not want to face some stress looking for lawyers, then this is the best payment method you are asked to consider.

Access to Everyone

There is an advancement in the technology sector, and due to this reason, many people can now access the internet even in the comfort of their beds. Therefore, with a computer or a mobile phone and the help of the internet, you can make to access cryptocurrency.…

Financial Planner Guide – What to Look Out For

17/07/2018

by Deacon Farrell Coaching

Panning on hiring an expert to help with your finances? It is understandable if you find yourself in a position where you are undecided on how to proceed. Making a rash decision and hiring the wrong coach can be detrimental to your financial situation. Here are some tips on what to look for when hiring a financial coach.

A simple check online or on the directories will reveal a ton of qualified men and women with impeccable credentials. However, the decision to pick a financial coach touches on your immediate life and future. Therefore, there will be either good or bad consequences on whichever pick chosen.

Look at the Form ADV

Begin by scrutinizing the financial advisors form ADV. This is the document that they file with the SCC. It contains any information you would like to know about the firm.

What are Their Designations?

This gives precise details of the educational background and areas of specialty. The top recommended financial designations are certified financial planning, Chartered financial consultant or the Certified Public Accountant. There are other designations out there. However, these are key, and either must be present.

Level of Education and Experience

Is your financial planner in a position to disclose some of their past advisory work and the results witnessed? Maximum transparency is always a good sign. This gives you an opportunity to go on a fishing expedition to some of their previous clients for testimonials.

What is Their Approach?

Find out the depth at which their financial consultancy goes into. How comprehensive is the financial planning? If they do not meet what your expectations were, then there is no need for taking the communication further.

Area of Specialization

Does the financial coach have any level of specialization that directly applies to your situation? If this is so, it sets you in a good position as they can directly relate to your case without much explanation. Besides, they might already have a manual for success that worked previously.

What Type of Clients do They Work With?

Inquire from the financial coach what their preferred client demographic is. Do they usually work with young, older or middle-aged groups? This is important as the financial coaching for millennials is very different from that of the elderly. The focus on the young will be very different and riskier compared to the elderly who are more focused on security.

What are the Minimum Requirements?

Is there a certain necessary income bracket you can operate in? Must you have assets that are investable? Does the financial advice require a net worth disclose? Are there are minimum fee charges? Get the answers to these questions from the start.

Check out Their Membership Credentials

Look up your planners registered financial planning memberships. Some of the top organizations are NAPFA of the financial planning association among others. Such bodies ensure their members remain up to date with the latest changes in financial planning and maintain professional ethics among members. If the financial coach is not a member of any organization find out why that is so.…

Crucial Things to Consider When Choosing a Forex Broker

06/07/2018

by Deacon Farrell Currency Exchange

The forex market is robust and competitive. It isn’t the kind of investment to venture into with half-baked knowledge. You need people who understand its fundamental principles – some of which are not taught in class. An experienced forex broker comes in handy at this point. The challenge lies in sifting through thousands of contacts to get the right one. Below are crucial things to consider when choosing a forex broker.

Security

A forex brokerage firm is only as good as its security. The broker you choose should subsequently be one who has invested in high-grade security systems. Even the best forex broker can’t keep afloat if he or she keeps losing money to online fraudsters and hackers. Fortunately, it’s possible to note whether forex brokerage firm meets bare minimum security requirements by noting whether they are recognized by the official regulatory bodies and agencies.

Transaction Cost

You don’t make money by paying a forex broker who doesn’t run profits. It makes no economic sense to pay the broker more money than you make from your portfolio. The transaction cost should subsequently in tandem with the amount of money that you’re making off the investment. Shrewd forex brokers take a percentage of the profits while others charge fixed fees. You may find some peace of mind with the former.

Deposits and Withdrawals

Online forex brokers operate from different spheres of the world. It follows that while the brokerage firm may have all the qualities that you need, depositing the capital and withdrawing the returns can be a problem. The problems may stem from the fact that the payment methods used by the online brokerage firm may not exist in your country or region.

The Trading Platform

Take note of the trading platform used by the broker. While some can give a lucrative return on investment (ROI), others are likely to siphon your money into oblivion. This could be because their sites lack user-friendly features while it could also happen owing to inadequate forex market information.

Analytical Strengths

Forex trade is a game of numbers. It requires a speculative eye that understands what makes the figure take an upward or a downward dive. You get this kind of information by commissioning a critical look at the forex markets. This may involve taking note of a country’s economic gains and losses. It’s significant to look at the exports vs. the imports and other global trade dynamics that grants a given country’s or a region’s currency strength over the other. There is no better way to do this than to hire a broker who is at home with forex analytics.

Customer Service

There are a number of occasions when you might want to catch up with what’s happening with your investment. Choose a brokerage firm with excellent customer service. You don’t want to go to bed worried sick because your broker hasn’t given you a substantial report on your financial standing for a period of time despite asking for it a couple of times. Your forex brokers’ phone must always be answered each time you call in seeking assistance width a technical issue – otherwise – you may find yourself buried in nasty forex market rubble.…