Archive for the ‘Finance’ Category

Purchasing a Home vs. a Low Credit Score

Have you ever considered what a lender thinks when he or she reviews a credit report in relation to approving or denying a mortgage application? Well, the most common answers would be: What is their credit score? How is their credit history? What is their income? What is their debt to income ratio? Will they be providing a substantial down payment?

A huge down payment may dilute the negative effects of a spotty payment history or low credit score. However, be prepared for high fees and mortgage interest. In fact, the minimum score needed to purchase a home has increased in the past 12-18 months.

There is no way around having a low credit score. Even with a large down payment you will still need a good credit score to make home ownership a reality. Your goal should be a 758 average credit score to qualify for the lowest interest rates, according to CNN.com.

Raise Your Credit Score to the Minimum Necessary for a Mortgage

With minimal effort you can obtain your report and see exactly what is there. Often there will be mistakes or errors that you can dispute.

You can start with a dispute letter to the credit bureau(s). Otherwise, you will have to work directly with the creditor to resolve the mistake.

Sometimes a cleverly crafted dispute letter will result in the removal of the negative entry. However, it is often the case that investigative procedures are careless and result in errors.

The reason for this is, when investigating any dispute, credit bureaus must necessarily spend additional resources and time to resolve the matter. Unfortunately, some credit bureaus feel it is more cost effective to take their time or ignore the matter altogether. It is their desire that you give up on your request to remove negative entries from your credit report.

How Long Will I Have to Wait to See an Improvement in My Credit Score?

Often people want to know how long it will take to see an improvment in their credit score. This answer, of course, is dependent upon the individual situation, however, in many cases, an improvement may be seen by 6-12 months.

This may seem like a long time; however, it is certainly a shorter amount of time than waiting 7-10 years for the negative entries to be deleted. Also, if you want to purchase a home, it is wise to wait the 6-12 months to improve your credit report.

We raised our credit scores from the upper 500 range to 745 and 763 in under six months and got approved for our dream home. Discover the one rule you must obey in credit repair by seeing proof at www.creditforcouples.com and get the real truth about lexington credit repair.

Lake Frederick is a popular destinantion in Virginia. The Oxbridge group looked at the are around the lake and decided it would be a great location for it’s premier gated retirement community, Shenandoah. the community has 942 acres of land with panoramic views of the Blue Ridge and Allegheny Mountains, miles of trails through the local woodlands, and access to the lake for great boating and fishing.

With Phase One under development, the community has 2,130 home sites. The first homes being built will feature lakefront, lake view, and mountain views. In the near future the association will begin building condos and town homes for a low maintenance living option.

Shenandoah has many amenities that residents will enjoy. The 35,000 square foot clubhouse and exercise center will have a media center, library, activity rooms, casual and formal dining, bar, lounge, and an active social club.

The fitness area includes state-of-the-art fitness equipment like circuit training equipment, rowing machines, and free weights. Tennis courts as well as indoor and outdoor swimming pools are available. Classes include yoga, swimming, aerobics and Pilate’s.

The community provides access to Lake Frederick. This natural lake offers an abundance of fish including Largemouth Bass, Bluegill, Red Ear sunfish, Black Crappie, Channel Catfish, Walleye and Northern Pike. Dock and boat access throughout the community. If you don’t own a boat there are numerous public fishing piers.

The winding lakeside offers a vast network of hiking trails with beautiful views of the tall timbers and wetlands. Lakeside gazebos make great picnic spots overlooking the lake.

Lake Fredrick and the surrounding towns offer many activities that can be enjoyed at the local parks, museums and wineries. There are six public golf courses within minutes of the community. The nation’s capital Washington DC is only an hour and a half away by car.

Shenandoah residents have to meet certain age requirements which means your neighbors will be similar in age and likes which makes it easy to make new friends. One household member must be 55 or older. No one under 45 is allowed to live there permanently.

Hubert Miles is the founder of Gated Communities USA which features the best Gated Communities in the USA and Internationally. Find information on Southern Communities.

So many companies dream of going public to raise massive amounts of capital, as set up for an exit strategy, to make acquisitions with stock and for many other reasons. While your intentions may be pure and with genuine motives, you’re entering shark infested waters of boiler rooms, crooked attorneys and underbelly consultants who have made careers off of taking well intentioned executives just like you for a 24 month rollercoaster ride while they take every penny you have as your company shrivels up like week old road kill.

Just and honest consultants in the ‘public offering’ industry are as rare as the illusive white elephant. This industry exists in a cesspool surrounded by rose gardens; from afar it looks amazing and an image of a dreamland but get up and close and the sludge and odor are enough to make you run and hide. So what do you look for in a consultant? The best consulting firms are the ’boutique firms’ with minimal overhead that keep a low profile and are made up of 3 or 4 ‘partner’ consultants.

These firms typically have the experience of working with the large consulting groups but for one reason or another have decided to leave and go out on their own. The great thing is, these small groups typically have massive contacts and process your entire public offering in-house. Offering a complete turn-key solution that is managed in-house offers a huge advantage because there is accountability and you can actually build a relationship with the people that are making your dream of a public offering come true.

These ’boutique’ consultants will usually stay onboard as growth consultants for the life of the company in exchange for modest fees and a pre-IPO or pre-OTCBB equity position. The large firms will hack you out at the knees and gouge you with fees while they take massive amounts of equity in your company which takes away your bartering chip when you need to offer more stock to the public to raise capital.

The small firms will also work one on one with you to show you how to use your stock to grow through acquisition and other nifty ways to use stock to grow. Seek out the boutique consulting firm and save the attorney for spot audits. Hold on to your cash. Why pay outrageous fees to lawyers when you can pay 60% less with a small consulting firm that will add all the bells and whistles for free and actually get your stock trading, usually in half the time?

Take Your Company Public, call Princeton Corporate Solutions at 267-233-0183Take Your Company Public the easy way!

There are several reasons why a company would decide to go public; here are some of the advantages. Liquidity is a popular reason for going public via OTCBB or IPO, many global lenders and private equity groups will lend against stock collateral. Private companies lose time jumping through hoops with various FICO driven line of credit and lending programs with outrageous interest rates while a public company can strategically offer stock for sale or collateral. Run a solid company with growth and a sea of content stock holders and you’ve got your own cash register to grow your company.

Another popular reason for going public is to offer stock options to key employees which creates and retains loyalty while reducing cost of compensation. There is no better way to have employees go the extra mile day in and day out than rewarding them with a piece of the company. Stock options are also a way to attract those prized executives that are in demand.

Having a public company allows massive buying power from the perspective of growth through acquisition. Find a company that is the perfect strategic alliance and buy them with company stock. This method of expansion has served the interests of top tier companies since Standard Oil.

What about those companies owned by an individual or a close knit group of entrepreneurs who are getting up there in age and need to start thinking about an exit strategy? Public companies demand higher sale prices and sell faster because of the flexibility of the structure. We could go on and on about the advantages of going public.

Start-up companies wishing to investigate this concept of fundraising you may want to consider the OTCBB, this is a solid and regulated formation to trade your stock publicly with stock holder confidence as opposed to a lesser trusted option called Pink Sheets. For corporations with some age and capital and IPO may be the best way to go, though this process is expensive and can take more than a year, it’s worth it for the right companies.

Want to Take Your Company Public, then call Princeton Corporate Solutions at 267-233-0183 Go Public via OTCBB, IPO or PPM. We offer Complete Turn-key, affordable solutions.

The process of bringing in huge amounts of powerful publicity to increase brand awareness and client conversion rate while simultaneously increasing client satisfaction can easily be achieved in just a few steps.

To start off you need to understand that publicity and marketing are actually the same thing because the former, if done properly, achieves both branding and client conversion. A business that is trying to raise awareness of a particular brand or product must first realize the cynical mind of today’s buyer.

Before the reader can prompt a customer to purchase, you must first obtain legitimacy. Legitimacy can be created with online methods such as web commercial uploads to video hosting sites, helpful article submissions, social and news bookmarking that answers questions for potential customers as well as video and audio pod-casting.

These methods should help the buyer by answering their questions and informing them of options as opposed to an ice cold sales pitch. By offering free information which will assist future customers with helpful, insider information will create a buzz about your company which will increase market share and sales conversion because you are proving that you are the powerhouse in the industry.

You are demonstrating to future clients that you are more concerned with guiding them through the tumultuous obstacles of making the buying decision based off of industry facts than a sales pitch. An informed client is the best client which will increase customer retention.

You will find that as you begin achieving sales via this new method, your clients are more informed therefore their expectations are positioned properly which leads to more client satisfaction.

Using this method you won’t have to be concerned about the crippling maintenance of having to satisfy the inappropriate demands of an uninformed client.

Inform the people searching for your services before trying to hit them with your sales pitch, you’ll find that the sales process is more streamlined and your customer satisfaction will shoot through the roof. There is no other sales or branding method more powerful than this.

Want to find out more about Publicity Marketing, then visit Princeton Corporate Solutions’ site on how to choose the best Corporate Publicity Campaign for your needs.

Take Your Company Public: Have Investors Begging To Invest! As the economy worsens and banks continue to crash and the US dollar is losing its place as the world currency American entrepreneurs need alternative funding solutions that cater to ongoing capital needs that take advantage of the international finance stage as opposed to domestic institutional lenders.

Many companies, for the first time, are considering going public as a viable option but where does one start on this trek? How much does it cost? What type of lawyer and consultants do I need? Who sells my stock? Etc.

The reality is, going public is fairly straight forward if you have a product or service that lends itself to an invest-able option to global financiers. The process of a start-up or small/medium size business going public usually begins with the basic business plan (50 to 100+ pages in length) and a Private Placement Memorandum (Regulation D Rule Exemptions 504, 505 or 506).

The company would then do an initial round of funding with accredited investors with a mini/maxi built into the offering circular that makes it possible to reach a simple benchmark that would allow the company to start using the investment cash for growth via public offering using OTCBB (over the counter bulletin boards); this is the quickest and cheapest way to go public being that 99.9% of companies don’t have the liquidity and time in business to qualify for an IPO. There are several things that a company can do to make your capital raise a pleasure and not a nightmare. Start with a solid market maker that will commit to putting forth a dominating effort to sell your shares. The next thing you need to do is put a face and a voice to the company. Hire a publicist and pick an executive, usually the CEO or CFO, set up, daily interviews on radio and TV to promote the company and as you do this you will begin to see instant results. Another thing is to send out articles and press releases focusing on every single positive point, contract and strategic partners, feed that publicity machine. Branding is another powerful aspect to raising capital. Make your brand and image something that people see on online and in magazines. A solid publicist will do wonders for you. Get your press releases going on the wire to broker dealers and market makers and other stock promoters.

Fund raising has been complicated by unethical companies that are looking to create capitalization angles for themselves whether they are the business raising capital or the broker dealer buying and selling their stock. Done honestly, there is no reason a company with a viable business concept can’t be successful in raising capital quickly and easily being sold on the public market.

Take Your Company Public, the easy way Call Princeton Corporate Solutions at 267-233-0183 PPM, OTCBB or IPO fund raising is easy with the right consultant.