Articles about Personal Finance #van #finance


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Personal Finance

April 19, 2016 | Shashwati Shankar. ET Bureau

BENGALURU: Mumbai-based media startup Sooperfly is partnering with former Bloomberg India editor Vivek Law to launch Investonomix, a fintech digital media platform that will focus on personal finance. Investonomix will aim at demystifying the world of personal finance, said Roopak Saluja, founder of Sooperfly. At the outset, it will focus on urban India and later look at the NRI section. By the end of 2016, the platform will have personal finance offerings.

Personal Finance Articles By Date

April 19, 2016 | Shashwati Shankar. ET Bureau

BENGALURU: Mumbai-based media startup Sooperfly is partnering with former Bloomberg India editor Vivek Law to launch Investonomix, a fintech digital media platform that will focus on personal finance. Investonomix will aim at demystifying the world of personal finance, said Roopak Saluja, founder of Sooperfly. At the outset, it will focus on urban India and later look at the NRI section. By the end of 2016, the platform will have personal finance offerings.

January 2, 2015 | Sanjeev Sinha. ECONOMICTIMES.COM

New Year resolutions have long been part of our life since a long time. It is an important calendar milestone for us to take stock of our lives and analyze, be critical and take pride, all at the same time. Come New Year and many of us resolve to change a few things in our life. It can be the way we have been living or may relate to our habits, new ventures, long-pending desires, etc. Being a pioneer in the field of research, ArthaYantra, Hyderabad-based online financial planner.

April 8, 2008 | PTI

MUMBAI: Arthaeon Financial Services on Tuesday launched Artha Money, which will offer financial products, services and guidance under a single roof. With an initial capital of Rs 200 crore, Artha Money will open 50 branches this year to offer various personal finance services like stock broking, mutual fund, credit card, insurance or small ticket loans. Apart from branches, the services will be offered on the.

January 9, 2012 | Uma Shashikant

Uma Shashikant lists three probable changes that can help us improve the quality of our finances. This can happen through the creation of a professional workforce which manages our wealth as per our needs. Every crisis questions earlier assumptions and shakes up long-held beliefs. Social scientists point out that crises offer the best hope for change since such periods overpower the vested interests that try to hold it back. Such transition is powerful and.

December 17, 2012 | Riju Mehta. ET Bureau

For an intangible entity, time is starkly palpable. It seems to strum with glee when you make swift gains in the market; it’s a sentient savant when you suffer losses; it can be an irksome sprinter for the ageing saver; a sluggish bore for a young trader. But mostly, time is a capricious companion, loyal to none, yet equanimous to all. We, at ET Wealth, have not been immune to its caprices, swept as the rest into its contrarian fold. So, during the.

November 14, 2011 | Amit Kumar. ET Bureau

If you are stepping into college or preparing to enter the big bad world of employment, and want to know how to handle your finances, this book is for you. In case its title, Personal Finance in your 20s for Dummies, hasn’t rammed home the point, this is a beginner’s guide to topics like budgeting, net worth, insurance, asset allocation and the like. If all these terms appear alarmingly alien or gibberish, you are the perfect.

August 17, 2015 | ET Bureau

By Uma Shashikant This week’s story is about someone whose personal finance skills I have observed for the longest time. Usha returned to her hometown 18 years ago, with two girls aged 7 and 3, after the unexpected death of her husband. Both the girls are today engineers, working with top firms and standing proudly by their mom, whose money management skills helped the family rise from the brink. Usha focussed on what she knew best—dealing with money sensibly. This story is about.

July 30, 2015 | PTI

NEW DELHI: Only Indian residents will be allowed to subscribe to the proposed Sovereign Gold Bond scheme which is likely to have an annual cap of 500 grams per person, the Finance Ministry has said. The Budget 2015-16 had proposed to launch a Sovereign Gold Bond (SGB) scheme to develop a financial asset as an alternative to gold. “Subject to the approval of the scheme by the competent authority, it has been proposed that the SGBs would be.

By Uma Shashikant It was a special day. I was going to pay off my home loan and celebrate the complete and unencumbered ownership of my house. When logged into my personal finance system, I could see the bank balance glowing green, and the dues on my credit card, home loan and personal loans glowing red. I simply drag out the balance from the bank, and drop it into the home loan icon. A few nano seconds later, it glows green. There is a buzz of activity for a few seconds.

July 2, 2015 | Business Insider

Some informative, free podcasts that will answer all of your money-related questions, and help you understand the nuts and bolts of investing, saving and spending. 1. We Study Billionaires: The Investors Podcast Hosts Preston Pysh and Stig Brodersen take a look into the lives of billionaires and study the books they read. After determining the critical habits of the most financially successful individuals, they reveal their findings and insights on the show. Don’t miss.

June 19, 2015 | Chandralekha Mukerji. ET Bureau

Running out of funds is a common reason why many startups die early. Not just dearth of funds for the venture but often a personal cash crunch that forces an entrepreneur to quit. On hindsight, you realise that many of these troubles could have easily been bypassed if, along with the business plan, you had chalked out a financial plan. Here is a lowdown on the most common personal finance mistakes founders make at various stages. Before you take.

February 18, 2014

By Dhirendra Kumar, CEO, Value Research Any change, when compounded over a decade, looks like an impressive number. This was a clever idea on which much of finance minister P Chidambaram’s vote on account speech was based. In the middle of the speech, there was a long litany of statistics about the UPA’s achievements. All of them were given for the total change achieved over ten years. To take the example of the very first thing that FM pointed out.

October 24, 2011 | Dhirendra Kumar

Stress-test is a term that has been in the news a lot over the past three years. The term was once used mostly in engineering or, perhaps, medicine. However, in recent times, you could be forgiven for thinking that this was a financial term. Stress-test now seems to be applied mostly to banks. Since the financial crisis of 2008, the US and European banks have undergone several rounds of tests and have been declared to be of varying health.

January 2, 2015 | Sanjeev Sinha. ECONOMICTIMES.COM

New Year resolutions have long been part of our life since a long time. It is an important calendar milestone for us to take stock of our lives and analyze, be critical and take pride, all at the same time. Come New Year and many of us resolve to change a few things in our life. It can be the way we have been living or may relate to our habits, new ventures, long-pending desires, etc. Being a pioneer in the field of research, ArthaYantra, Hyderabad-based online financial planner.

October 28, 2014 | ET Bureau

NEW DELHI: Digital product company Times Internet on Monday announced that it has acquired personal finance platform moneysights. The innovative platform was set up by Mukesh Kalra and Santosh Navlani in 2009 as a digital platform that enabled consumers to discover, personalise, buy, and manage their investments. In its early years, the company had raised funding from ex-HP and IBM senior executive Prasad Duvvuri, Blume.


About Us – Bloomberg New Energy Finance #muthoot #finance


#new energy finance

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About Us

Bloomberg New Energy Finance provides unique analysis, tools and data for decision makers driving change in the energy system. With unrivalled depth and breadth, we help clients stay on top of developments across the energy spectrum from our comprehensive web-based platform.

BNEF products fit your daily workflow, streamline your research, sharpen your strategy and keep you informed. BNEF’s sectoral products provide financial, economic and policy analysis, as well as news and the world’s most comprehensive database of assets, investments, companies and equipment in the clean energy space. BNEF’s regional products provide a comprehensive view on the transformation of the energy system by region.

BNEF has 200 staff based in London, New York, Beijing, Cape Town, Hong Kong, Munich, New Delhi, San Francisco, São Paulo, Singapore, Sydney, Tokyo, Washington D.C. and Zurich. Bloomberg New Energy Finance also leverages Bloomberg s 19,000 employees in 192 locations, generating more than 5,000 daily news stories across TV, BusinessWeek, Mobile, Digital and Radio.

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About Us NZ #finance #car


#instant finance

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About Us

At MyFinance we like to help make your finances smoother, faster and less stressful. So we offer a complete range of personal loans, motor vehicle finance and debt consolidation options to help you reach your goals faster. We think our flexible repayment schedules, competitive interest rates and friendly service makes us pretty hard to beat.

My Finance is a trading division of Instant Finance Ltd. And is based at:

Level 1, Building B
600 Great South Road
Greenlane
Auckland

Auditors PricewaterhouseCoopers
PricewaterhouseCoopers Tower
188 Quay Street
Auckland

Bank
Westpac New Zealand Limited

Solicitors
Crengle Shreves Ratner
Morrison Kent House
105 The Terrace
Wellington

Our Development Team

Richard de Lautour

Chief Executive

Richard was appointed Chief Executive of Instant Finance Limited in January 2003 having completed 20 years’ service with Allied Finance where he was General Manager for the majority of that time. Under his stewardship Allied grew from $400,000 in total assets in 1982 to $173 million in June 2000 when it was amalgamated with Marac Finance Limited. During his time with Allied he was responsible for the establishment of BMW Financial Services NZ Limited and Nissan Finance NZ Limited. Previous directorships include Auckland Motors Ltd, BMW Financial Services NZ Limited and Nissan Finance NZ Limited. Richard served on the executive committee of the Financial Services Federation from 1993 to 1999 and was Chairman of that organisation from 1999 to 2002. He was re-elected back on to the executive in September 2006 and served two terms as Chairman. An active Rotarian, Richard is a member of the Rotary Club of Auckland and Chairman of the Rotary Club of Auckland Trustee Company Ltd.

Mary Gardiner

Chief Financial Officer

Mary has an extensive finance and audit background having worked with KPMG in Auckland, Dusseldorf and Sydney. On returning to NZ from Sydney, she joined Air New Zealand where she was Manager, Governance Risk, as part of the Internal Audit and Risk team. More recently she was CFO at Radius Health Group and oversaw the sale of that organisation’s various operating businesses. Mary has an interest in sports governance and is currently Chairperson of Auckland Netball and a Director of Badminton NZ.

Grant Atkinson

General Manager, Operations

Grant was previously at Marac Finance Limited for 14 years where he was responsible for the credit and risk management function in his role of General Manager Credit. In this role he developed and implemented Marac’s Risk Management Programme required under the Reserve Bank’s supervision of non-bank deposit takers. Grant has a wealth of experience in loan approval and review and in building and managing successful teams and processes in the collections and recovery areas.

John Webber

Business Development Manager

John has had 20 years of experience in the motor vehicle finance industry, including the roles of F I Manager in dealerships. John spent several years as an independent finance broker and a lengthy spell with Monetary Matters, which transformed into Senate Finance where he held the position of General Manager. John has been self-employed for the past 10 years and enjoys his active involvement in the thoroughbred breeding industry.

Cath McCarthy

Area Manager – South Island

Cath McCarthy started her career in the car finance industry with MARAC (formerly Allied Finance, formerly Finance Discounts) in 1997 and was there for approx 8 years. Cath dealt with everything from approvals, repossessions, floor plans to commission accounts etc. It was during this time that she began to work closely with the local dealerships and establish herself in the industry. Cath’s business relationships diversified over the next few years to include all aspects of consumer finance. She joined Gold Band Finance in 2005 as a Senior Lending Consultant and began dealing with Brokers (finance, mortgage and commercial). This was where she gained her experience in the current 2nd tier finance market. Cath has been instrumental in setting up the South Island operating arm of MyFinance in 2013.

Got some questions?


What You Need To Know About Zero-Percent Car Loans #truck #finance


#0 finance car

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What You Need To Know About Zero-Percent Car Loans

Zero-percent loans are often advertised as one of the best deals you can get when you’re buying a new car. You’ll sometimes hear people call such financing “free money.” It’s not that exactly, but it’s as close as you’re likely to get. Zero-percent loans tend to grab attention, but they make up only about 9 percent of the dealer-financed car loans in 2015 to date, according to Edmunds data.

Provided you can qualify for a zero-percent car loan, it sounds like a no-brainer. But is it really a good deal? Are there any catches? And if you were planning on paying cash, is it even worth considering?

How Can It Be Zero Percent?
Zero-percent loans are typically offered by automakers’ financing companies. They forgo the money they would have made on loans with interest in favor of selling more of a particular vehicle. This financing incentive can spark sales of a slow-selling vehicle or help clear out inventory to make room for cars from the new model year.

“The availability of zero-percent deals follow a pretty rigid pattern,” says Jeremy Acevedo, senior analyst for Edmunds.com. Zero-percent offers peak in the summer months to stimulate sales for the outgoing model year and stay “relatively subdued” in the other months, he says.

Carmakers advertise the no-interest loans in commercials, at dealerships or on their websites. We suggest taking a look at Edmunds’ Incentives and Rebates page. It highlights zero-percent financing offers and other promotions for the month.

Sometimes a dealership will offer its own version of zero-percent financing. In this case, the dealership opts to pay the interest on your loan, either to sweeten a deal or as an incentive for you to make a large down payment. It typically occurs when a buyer already qualifies for a loan with a low annual percentage rate (APR) and the amount being financed is a figure the dealer deems reasonable.

How To Qualify
Zero-percent loans are typically reserved for buyers with excellent credit. The fine print on automaker websites often says things like “for qualified buyers” or “based on Tier One credit.” The language doesn’t really spell out what that means in terms of FICO scores. And the range itself can vary from one automaker to another, so we suggest calling the dealership to see what the requirements are.

Just what is “Tier One” credit, for example? It’s a FICO of 690-719, according to one Washington state Toyota dealership that posted its credit tiers online. But that’s just one brand and one dealership’s numbers. According to credit services company Experian. 752 is the average credit score associated with loans that have an APR of less than 1 percent. As a general rule however, if your FICO score is above 700, you should be able to get a zero-percent loan.

If your score is slightly lower, zero-percent offers are still worth looking into. There have been cases of people getting approved because of a solid history of making payments on time and loyalty to a car brand despite having a lower credit score.

Bonus Cash or Zero-Percent Loan?
There are times when the automaker gives consumers a choice between bonus cash or a loan with a very low interest rate. The bonus cash would usually be the way to go, but when it comes to zero-percent loans, the cash would have to be sufficient to offset the finance charges the buyer is saving.

For example, let’s say you were buying a $25,000 car with a $1,000 down payment and you’ve qualified for a loan with an interest rate of 3.5 percent. You then have a choice: a bonus cash incentive or a zero-percent loan with no additional discount. It would take an incentive of about $2,500 to beat the zero-percent loan offer. Any amount of bonus cash less than $2,500 makes the zero-percent loan the better option. Use this calculator to input your own scenarios and see what option works best for you.

There’s also a third option to consider. Increasingly, consumers are taking the bonus cash and then refinancing the interest-bearing loan at a lower rate later, says Melinda Zabritski, senior director of automotive finance for Experian.

What’s in It for a Cash Buyer?
If you planned on buying a car for cash, there might still be some value in taking out a zero-percent loan. The biggest benefit is that it allows you to keep your money free for other purposes, such as an emergency fund or for investment. There is no penalty for paying off the loan early. Having financed a car appears as a positive mark on your credit report. Buying for cash doesn’t show up at all.

In some cases, the dealerships may be getting an incentive from the automaker to promote a zero-percent loan, so taking the dealer’s financing may help you obtain a better price on the vehicle. The automaker typically pays the dealership a bonus on the back end of the deal, which in turn would allow it to be more flexible with the price. It isn’t a common occurrence, but something you should be aware of in case it comes up.

Zero Percent Do’s
Do make sure you really want the car. Just because a car has a zero-percent loan offer doesn’t mean it is the right car for you. Make sure you test-drive it to be sure it fits your needs.

Do get pre-approved for a car loan. It is still a good idea to secure financing with your bank or credit union before you go car shopping. This pre-approval can serve as a backup loan in case you don’t qualify for a zero-percent offer. It’s also useful to have a loan in hand so you can compare its interest rate to the dealership’s financing. You might decide your bank loan, and the dealership’s bonus cash offer makes the most sense for you.

Zero Percent Don’ts
Don’t skimp on thedown payment . Some dealers may give you the option to put nothing down at signing. We recommend you put down as close as you can get to 20 percent. If you can’t manage that, consider getting GAP insurance to offset depreciation.

Don’t take out a loan for more than 60 months. Some automakers offer a 72-month loan to help make the payments lower, but there are many drawbacks to taking out a longer loan. The car’s value will have greatly diminished by the time you finish paying for it. And there’s a good chance you’ll be tired of your 6-year-old car just about the time you make your last payment. A long loan may keep you from owning, free and clear, a car you still love to drive.


Pioneer Finance New Zealand – About Us #car #finance #brisbane


#finance companies nz

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About Pioneer Finance

One of New Zealand s leading Finance Companies

We offer loans and finance solutions NZ wide from our offices in Auckland and Wellington and being a Registered Financial Services Provider, we are one of the most trustworthy Finance Companies NZ wide.

Whether you’re looking for a Wellington or Auckland finance company, whether you need a fast online in Christchurch, or a car loan in Invercargill, at Pioneer Finance, you’ll be dealing with real Kiwis who understand what you re going through and we re here to help.

Friendly experienced team

Get a personal service from a New Zealand owned finance company that offers contact with the same person from beginning to end.

Our staff are understanding, friendly are genuinely interested in helping you find a personal loan solution that works for you. We enjoy helping Kiwis like yourself create a relationship with reliable and professional money lenders.

Quick and easy financial services available New Zealand wide, we have offices in Auckland and Wellington

Milk might not come to your door anymore, but Pioneer Finance will. Our services are available nationwide, and if possible we love to deal with you personally, face to face.

When you apply for finance, we understand that you may need your money quickly. We put an emphasis on getting your loan direct to you as soon as possible, which can often be within 24 hours.

It s important that you are comfortable with the personal loan you re getting. To help you rest easy, we put an emphasis on explaining your loan as simply and as fully as possible.

Registered Financial Services Provider (FSP)

Get the assurance of dealing with a Registered Financial Services Provider who is a member of Financial Services Complaints Ltd, a company who will represent you, free of charge, should you have any issues with Pioneer’s products or services.

Apply Online Now

PRIVACY POLICY

We are committed to protecting your privacy.

The information we collect about you helps us to clarify your needs so we can look after you better. We use this information to personalize your experience when you visit us but we do not sell this information to any other party.

1. The information we collect and what it’s used for

This is used to address you by name and send occasional emails.

This is used to customize the information we send or present to you on our site.

We do not sell, publish or give away information to any other party that can be directly associated with you. Sometimes, we do need to share some of your data with third parties authorized to distribute your orders or process your application.

Please be aware too that we may be forced to disclose information to the government under certain circumstances. At our sole discretion, we reserve the right to disclose information to law enforcement or other government officials if it is demanded in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.

Although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your personally identifiable information will remain private.

Our site uses cookies to keep track of your preferences. We use cookies to deliver content specific to your interests.

We do not sell, publish or give away information that can be directly associated to you to any other party.

2. The security of your information

We are committed to protecting your privacy.

We do not sell, publish or give away any customer contact information or personal details of any kind to other parties.

3. How to change your details or opt out completely

You can opt out of receiving information from us at any point. Simply visit our site and click “Unsubscribe” which is located in your personalized panel. To change your details, click “Edit my Info” at the bottom of the personalized panel.


Articles about Personal Finance #international #finance #corporation


#personal finance articles

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Personal Finance

April 19, 2016 | Shashwati Shankar. ET Bureau

BENGALURU: Mumbai-based media startup Sooperfly is partnering with former Bloomberg India editor Vivek Law to launch Investonomix, a fintech digital media platform that will focus on personal finance. Investonomix will aim at demystifying the world of personal finance, said Roopak Saluja, founder of Sooperfly. At the outset, it will focus on urban India and later look at the NRI section. By the end of 2016, the platform will have personal finance offerings.

Personal Finance Articles By Date

April 19, 2016 | Shashwati Shankar. ET Bureau

BENGALURU: Mumbai-based media startup Sooperfly is partnering with former Bloomberg India editor Vivek Law to launch Investonomix, a fintech digital media platform that will focus on personal finance. Investonomix will aim at demystifying the world of personal finance, said Roopak Saluja, founder of Sooperfly. At the outset, it will focus on urban India and later look at the NRI section. By the end of 2016, the platform will have personal finance offerings.

January 2, 2015 | Sanjeev Sinha. ECONOMICTIMES.COM

New Year resolutions have long been part of our life since a long time. It is an important calendar milestone for us to take stock of our lives and analyze, be critical and take pride, all at the same time. Come New Year and many of us resolve to change a few things in our life. It can be the way we have been living or may relate to our habits, new ventures, long-pending desires, etc. Being a pioneer in the field of research, ArthaYantra, Hyderabad-based online financial planner.

April 8, 2008 | PTI

MUMBAI: Arthaeon Financial Services on Tuesday launched Artha Money, which will offer financial products, services and guidance under a single roof. With an initial capital of Rs 200 crore, Artha Money will open 50 branches this year to offer various personal finance services like stock broking, mutual fund, credit card, insurance or small ticket loans. Apart from branches, the services will be offered on the.

January 9, 2012 | Uma Shashikant

Uma Shashikant lists three probable changes that can help us improve the quality of our finances. This can happen through the creation of a professional workforce which manages our wealth as per our needs. Every crisis questions earlier assumptions and shakes up long-held beliefs. Social scientists point out that crises offer the best hope for change since such periods overpower the vested interests that try to hold it back. Such transition is powerful and.

December 17, 2012 | Riju Mehta. ET Bureau

For an intangible entity, time is starkly palpable. It seems to strum with glee when you make swift gains in the market; it’s a sentient savant when you suffer losses; it can be an irksome sprinter for the ageing saver; a sluggish bore for a young trader. But mostly, time is a capricious companion, loyal to none, yet equanimous to all. We, at ET Wealth, have not been immune to its caprices, swept as the rest into its contrarian fold. So, during the.

November 14, 2011 | Amit Kumar. ET Bureau

If you are stepping into college or preparing to enter the big bad world of employment, and want to know how to handle your finances, this book is for you. In case its title, Personal Finance in your 20s for Dummies, hasn’t rammed home the point, this is a beginner’s guide to topics like budgeting, net worth, insurance, asset allocation and the like. If all these terms appear alarmingly alien or gibberish, you are the perfect.

August 17, 2015 | ET Bureau

By Uma Shashikant This week’s story is about someone whose personal finance skills I have observed for the longest time. Usha returned to her hometown 18 years ago, with two girls aged 7 and 3, after the unexpected death of her husband. Both the girls are today engineers, working with top firms and standing proudly by their mom, whose money management skills helped the family rise from the brink. Usha focussed on what she knew best—dealing with money sensibly. This story is about.

July 30, 2015 | PTI

NEW DELHI: Only Indian residents will be allowed to subscribe to the proposed Sovereign Gold Bond scheme which is likely to have an annual cap of 500 grams per person, the Finance Ministry has said. The Budget 2015-16 had proposed to launch a Sovereign Gold Bond (SGB) scheme to develop a financial asset as an alternative to gold. “Subject to the approval of the scheme by the competent authority, it has been proposed that the SGBs would be.

By Uma Shashikant It was a special day. I was going to pay off my home loan and celebrate the complete and unencumbered ownership of my house. When logged into my personal finance system, I could see the bank balance glowing green, and the dues on my credit card, home loan and personal loans glowing red. I simply drag out the balance from the bank, and drop it into the home loan icon. A few nano seconds later, it glows green. There is a buzz of activity for a few seconds.

July 2, 2015 | Business Insider

Some informative, free podcasts that will answer all of your money-related questions, and help you understand the nuts and bolts of investing, saving and spending. 1. We Study Billionaires: The Investors Podcast Hosts Preston Pysh and Stig Brodersen take a look into the lives of billionaires and study the books they read. After determining the critical habits of the most financially successful individuals, they reveal their findings and insights on the show. Don’t miss.

June 19, 2015 | Chandralekha Mukerji. ET Bureau

Running out of funds is a common reason why many startups die early. Not just dearth of funds for the venture but often a personal cash crunch that forces an entrepreneur to quit. On hindsight, you realise that many of these troubles could have easily been bypassed if, along with the business plan, you had chalked out a financial plan. Here is a lowdown on the most common personal finance mistakes founders make at various stages. Before you take.

February 18, 2014

By Dhirendra Kumar, CEO, Value Research Any change, when compounded over a decade, looks like an impressive number. This was a clever idea on which much of finance minister P Chidambaram’s vote on account speech was based. In the middle of the speech, there was a long litany of statistics about the UPA’s achievements. All of them were given for the total change achieved over ten years. To take the example of the very first thing that FM pointed out.

October 24, 2011 | Dhirendra Kumar

Stress-test is a term that has been in the news a lot over the past three years. The term was once used mostly in engineering or, perhaps, medicine. However, in recent times, you could be forgiven for thinking that this was a financial term. Stress-test now seems to be applied mostly to banks. Since the financial crisis of 2008, the US and European banks have undergone several rounds of tests and have been declared to be of varying health.

January 2, 2015 | Sanjeev Sinha. ECONOMICTIMES.COM

New Year resolutions have long been part of our life since a long time. It is an important calendar milestone for us to take stock of our lives and analyze, be critical and take pride, all at the same time. Come New Year and many of us resolve to change a few things in our life. It can be the way we have been living or may relate to our habits, new ventures, long-pending desires, etc. Being a pioneer in the field of research, ArthaYantra, Hyderabad-based online financial planner.

October 28, 2014 | ET Bureau

NEW DELHI: Digital product company Times Internet on Monday announced that it has acquired personal finance platform moneysights. The innovative platform was set up by Mukesh Kalra and Santosh Navlani in 2009 as a digital platform that enabled consumers to discover, personalise, buy, and manage their investments. In its early years, the company had raised funding from ex-HP and IBM senior executive Prasad Duvvuri, Blume.


About FAST, Finance – Thompson Rivers University #micro #finance


#fast finance

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About FAST

The Finance Division’s goals are to provide effective financial services, support a variety of business processes, and maintain an accurate and timely management information system. Providing you with access and training to understand this information will enable you to manage effectively, make sound decisions, and efficiently utilize institutional resources.

TRU has acquired the FAST reporting product, which allows secure, real-time reporting in a user-friendly web-based environment. The Finance Division will provide training sessions, usually during August and September, to acquaint you with our financial services, enable you to discuss specific financial concerns, provide access and an orientation to the electronic inquiry capabilities of our new FAST product, and assist you in reading or interpreting financial reports. With the implementation of new reporting product we think all Deans, Directors, and Chairs will find this particularly useful.

With your valuable assistance we have been able to improve our financial reporting system and we are always open to new ideas that will enable you to effectively manage your department costs.

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The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #fast #finance


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We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

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