Whenever Aussies need a loan to finance a new car, a new house, etc., they go to the bank. Still, they seem to forget that there are also private lenders. Why should someone consider alternative sources of financing when there are plenty of banks around?
We will discuss private lenders and the advantages of using an […]
Selecting the right lender isn’t an easy task. It might seem tempting to think that all are reliable, properly funded and legit. But can you be sure of that?
There are some things you would expect of a reliable lender that should give you the confidence and reassurance that you’re collaborating with a responsible organisation. Apart […]
A debt agreement is a contract that is legally binding between you and the parties concerned – the creditor, debt collection company or third persons involved. Consequently, each party can legally enforce the terms of the agreement against you if you don’t comply with your contract. Learn about the things to keep in mind before […]
If you have unpaid defaults, can you still get a car loan, housing loan, short-term loan or business loan?
Your credit file tells it all. If you have defaulted on your payments to previous lenders and utility companies, these things will be listed on your credit file. While it is effortless for lenders to place default […]
If you’re planning to get a new loan, but you’re not sure if you can repay it on time, here are tips on how to effectively manage your debt, based on 2 financial variables.
Financial success does not depend on the amount of money you have but on specific strategies that apply to your situation. Whether […]
It is so easy to get no doc commercial loans but using its full potential to improve your business can be a frustratingly difficult process.
Here are a number of steps you can take that will help you get the best out of your commercial loan.
Get your budget ready.
Before you even consider applying for a no […]
A debt consolidation loan includes all your existing debt, incorporating a single bill with a new interest rate. The ultimate purpose of consolidation loans is to diminish the numbers of bills you pay on a monthly basis and decrease the total amount of interest rate on your financial obligations.
You choose between secured and unsecured consolidation […]
The verdict of a mortgage broker vs. banks contest may seem difficult to assess at first glance. Both can help you with good rates on your home loan, but there are some things they do differently. Maybe, after all, you’ll be the one to say who the winner is in the mortgage broker vs. banks […]
The questions you ask before getting a credit card have a major effect on how successful your financial strategy becomes. Are the credit card yearly fees worth it? Where will you use the card? What is the value of having a card?
First, what is the value of a credit card? If you lost your card […]
Aside from your credit score, did you know lenders sometimes determine interest rate levels depending on the supply and demand of credit? Or that you might be able to get lower interest rates by applying for the same loan in another financing company? In fact, these could be some of the strongest factors that lenders […]
Are you planning to take out rural loans to grow your next crop or improve your farm operations? Can it help you become more competitive in the short and long-term?
These are the common financial issues Australian famers need to deal with…
Expansion
Farmers are facing new challenges and opportunities every single day; not only in maintaining their […]
Applying for home equity loans is one of the smartest ways to use your valuable assets.
If you have a home, and you already paid off a portion of that house, then the difference between the value of your home and the total debt you owe is your equity. It is your interest in the said […]
Finding the best private funding or private lender is not a piece of cake. There is no such thing as one-creditor fits all, when it comes to loan options. But, asking the right questions can help you find the best financing company with loan products that best fit your credit situation.
Is private funding the best […]
If you have a first mortgage on your house and you obtained a caveat loan, it works as a second security. The caveat would be in your title, and will only be removed when you have fully paid the loan. Simply put, a caveat loan is like a second mortgage, where the loan is secured […]
Do you see nothing but credit card debt when looking at your budget?
Extensive loans and consumer debts are becoming a part of our lives. People need money for their daily expenses while in between jobs; others need quick cash when facing emergency situations. Even entrepreneurs need to inject funds to their working capital when cashflow […]
For many individuals, a “cash” advance is an essential way to finance their emergent needs like hospitalization, wedding and car repair. However, it is not easy to obtain funding especially if you have a bad credit. In fact, if you have maxed out your existing credit cards, it is almost impossible to get a new […]
Here are some practical, easy ways you can save money on your car loan with bad credit, and repay your debts faster.
1) Add extra payment on your monthly installment.
Most of the car loans have fixed monthly installments. So, every time you make an extra payment, it should go directly to the principal. You can also […]
While it may take time to build your credit score, getting a secured loan can help you improve your credit and boost your credit score.
Secured loan defined
A secured loan is a debt linked to your property. So, if you have a home or you are buying one, you can get a secured loan. The amount […]
If you’re looking for extremely low rates to finance a new car, you have to make sure that it is not the only thing you are looking at. Remember that a car dealer gets a better deal when financing your car, than getting paid for it in cash; unless the lender pays for it and […]
When you need cold cash now, fast loans can be your best bet. No frills, no buts, you just send your application, the lender would process it in a few hours, and you’ll get the crisp cash you need. But, how can you repay your loans quickly?
Here are some tips that you may find all […]
Wondering how you’re going to stay on holiday budget? A prepaid credit card could be a wise alternative to starting 2017 without a massive blow to your bank account or credit line.
You are using your own money.
AusPost has a Load & Go prepaid Visa card that is accepted anywhere Visa is accepted, you can reload […]
Most young Aussies experience living with roommates, which can be an immense challenge while being equally exciting; depends on how you look at it.
We all agree that money is, presumably, the underlying root of all tensions in such instances, and it can be a never-ending source of quarrel if you don’t handle the situation accordingly. […]
How many times did you find yourself wanting to earn some money ASAP? Probably many times. Regardless of the reasons you’re in need of quick cash, stock trading could be an excellent approach in such instances. Notwithstanding, before taking the leap, you should consider a handful of basic tips.
Get acquainted with the basics of earning […]
Income Inequality in Australia
Australia has always been a country that has been considered egalitarian by the rest of the world, a place where all citizens had a ‘Fair Go’ at the Australian Dream, – that is, until recently. Australia has suffered a shift in income equality that has created a sizeable gap between the rich […]
How do millionaires make their money, especially when they’re so young? And just as important, how on earth do they manage it? What are their secrets, and can we learn from the methods that they apply?
Well, Capgemini Consulting made it a little easier for us with the report in which they reveal young millionaire money […]
In a time of rising rents and housing prices, Australia is experiencing a boom in the construction of Granny flats in a state wide quest to house occupants of all ages from teenagers to middle aged single parents to visiting travellers. Home owners with ample backyards are tapping into this trend whether it be to […]
Australia wide reports of weary consumers experiencing Total Recall on a Groundhog Day scale continue pouring in as consumer product safety recalls show little sign of ceasing according to the latest ACCC results announced yesterday. “Recalls have been trending up every year for the last five years” commented Ms Delia Rickard the ACCC Deputy Chair, […]
Steen Jakobsen, forecaster & chief economist at SAXO, one of the foremost leading Danish Banking Institutions, has made the bold though welcome if not cheerful prediction that the Australian Dollar could ride the 2016 last quarter on the back of a Donald Trump victory parade conceivably matching the U.S dollar cent for cent within 6-12 […]
“A positive day for the Australian dollar versus the pound” says Mr. Dayle Littlejohn, a senior trader with Foreign Currency Direct UK office, amidst fiscal uncertainties following the unceremonious ‘Brexit’ from the European Union. The infamous June 24th decision shaving US$2.1 trillion from global world stocks thus sending the Sterling crashing to a 31-yr record low value of […]
According to Southern Metropolis Daily, loan sharks found a new and unconventional way to guarantee for loans. They ask female university students for nude photos in order to get a loan.
Loan sharks and their unconventional loan collaterals
What is the newest collateral for a loan? Naked pictures of students. More and more loan sharks based in […]
When you do your groceries, it is best to shop like an investor. Apply those investing skills whenever you shop and you’ll be surprised with the amount of savings you are going to earn.
As you go to a supermarket, how do you choose a product? Most shoppers rely on advertisements being fed by the media. […]
What is a Margin Loan?
A margin loan is not your typical kind of loan. It is ideal for investors who frequently keep an eye on their investments. It allows investors to borrow money to buy shares or invest and use it as a guarantee. In case you barely have the time to monitor the movement […]
Scams are everywhere. Protect yourself and do not let crooks take advantage of you. They are just after your money and they are trained to trick people. Everyone must avoid these scammers. Being familiar with their tactics will help you become aware of how they work. Have you encountered a message online that promises you […]
Many Australians use public transport every day, enjoying its many benefits. In fact, public transport in Australian cities is one of the most affordable in the whole world. Compared to the international standards regarding the fares of public transport, Australians pay decent amounts of money for quality services.
Moreover, transport operators also used to encourage this […]
Everybody makes New Year resolutions, but most of us fail to stick to them. With every start of a new year, we want to change our lives for the best, but because of lack of proper planning and genuine determination, we only follow the resolutions for a couple of weeks, and afterwards, we completely forget […]
With the holiday season just around the corner, everybody is thinking of the best Christmas gifts that would make the loved ones in their lives happy and appreciated. But, most of the times, this season catches us off guard and utterly unprepared, and, all of a sudden, Christmas is only a few weeks away. This […]
Betting is a form of gambling. Choosing who’s going to win in a game or in any type of competition is called betting. Many have refused to accept that they are indeed a gambler. Gambling is a form of leisure but if it becomes habitual, your quality of life will be drastically affected by how […]
Debt agreements are an alternative to declaring bankruptcy. Rather than be haunted by the irreversible effects that bankruptcy can have on your credit record, entering into a debt agreement can give you a debt-free fresh start. They’re becoming the popular choice for Australians in need of debt solutions. Debt agreements are overseen by the Australian […]
Owning a pet can be incredibly rewarding, fulfilling and fun over the course of your furry friend’s life, but it can also get quite expensive. We don’t always consider the long-term costs of pet ownership because let’s face it; they’re cute and cuddly so the benefits usually take precedent over the practicality. Adding a bag […]
In the past, night owls were often considered poor employees because their late night lifestyles led to poor productivity in the office during normal office hours. These days, there is another school of thought teaching us that night owls can be the preferred employee for many different reasons. Now that so much work is done […]
Small and medium enterprises (SME’s) with tax debts owed to the Australian Tax Office are likely to start feeling pressure to repay those debts by now. The ATO is expected to start ramping up actions to get those debts repaid. Debts to the ATO mounted up to $35.3 billion in the 2013-14 period and that […]
The Australian federal budget changes announced on May 12th had many positive points as well as several negative points that you might have missed if you did not pay close attention and read the details.
Federal Budget 2015
The Bad
On the negative side, the federal budget axed large portions of the money devoted to combating climate change. Abbott’s […]
It is every young family’s dream to buy a house to make into a home but with rising property prices, it is becoming more difficult for first home buyers to enter the market. A young family might not have much in the way of savings and it can seem impossible to come up with the […]
Earlier this week, the country’s two biggest banks passed on the latest interest rate cuts for loan customers. The Commonwealth Bank and Westpac have paved the way for other banks expected to follow suit on Friday February 6. The Reserve Bank of Australia’s (RBA) official rate cut will begin its full effect on February 20, […]
Understanding Bitcoin
More and more Australians are becoming aware of something called “Bitcoin”, even though many of them aren’t quite sure what it is. Although a recent phenomenon, Bitcoin has already managed to capture the imaginations of many people from different backgrounds and from all walks of life. Bitcoin is somewhat a form of currency. It’s like currency in the sense that you can use it to buy goods or services at establishments which honor Bitcoin. In the past, there were not many companies which would be willing to accept it as a form of payment. However with each passing month, it seems that more websites are announcing that they are willing to receive it as payment. […]
Daffodil Day at the Australian Lending Centre!
Each year on Daffodil Day, thousands of Australians take time out from their busy day to celebrate the enduring power of hope and its role in defeating cancer. Daffodil Day is an annual celebration which brings survivors and supporters alike together to remember how cancer has touched their lives […]
Fears of Australia’s economy going into recession as a result of the US housing price collapse may be unfounded.
According to the International Monetary Fund (IMF), banks are not in danger of going belly-up, with Australian house prices only “moderately” overvalued.
As the IMF says “The results do not produce evidence of a significant over evaluation of house prices”.
Australians can sigh a breathe of relief over the news that puts our economy in relative safety, given the current global credit crisis. […]
This comes as a welcome relief to many renters struggling to keep up with the mounting rental prices. As the Reserve Bank of Australia has begun to slash interest rates, relieving many Landlords’ mortgages, rental costs have similarly begun to fall.
As APM Senior Economist Liam O’Hara predicts “There maybe further moderation in median asking rents for the remainder of the year as the possibility of a global recession feeds into the Australian economy.” […]
The Australian unemployment rates are expected to rise as an onset of the global economic recession.
There has been much speculation in past months about the flow on effects for Australians in the wake of the global financial crisis. It seems that unemployment will be a major casualty.
John Quiggin from the University of Queensland prophesises, “Australia has not been hit, but a lethal cloud of fallout is gradually drifting southwards” The economic downturn is having an impact on households nationwide, with slowing businesses and increased living expenses. However with the global economies being slowed by Governments in attempts to stem the economic recession, so job opportunities will continue to become scarce. […]
Our Managing Director of Australian Lending Centre, Chris Riotto, has been following the recent actions of the Rudd government who have derived a plan to assist the economic recession in Australia at present.
This involves a $42 billion economic stimulus package which has passed the lower house of parliament after a 15-hour debate went through the night of the 4th of February. […]
The loss of jobs in a number of Industry sectors continues to intensify into 2009.
The Tourism and Transport forum have released their quarterly tourism industry sentiment survey which indicates that ‘Major job cuts are a frightening but realistic prospect with up to 63% of the current tourism businesses expecting to make moderate cuts to their workforce in the coming year.
On top of this, sales in the automotive industry are down with a significantly decreased domestic demand for new cars, this will see a likely cut in manufacturer production and a number of layoffs in this sector. […]
Researchers are predicting that the Australian banks will collect more than $5 billion in fees in the coming year as they aim to survive the global economic crisis.
Fujistu Consulting who conduct an annual ‘bank fee’ report have found that Australian households on average pay 22 per cent more in bank fees than British households, and 11 per cent more than those in the US. What this essentially means is that the average Australian household pays close to AU$1000 in fees each year, compared to AU$749 in the UK and AU$850 in the US.
In the context of the current global financial services crisis, banks are attempting to recoup profits by increasing fees.
[…]
Customers are being warned of a new system of ATM’s that are being dispersed throughout New South Wales. The ATM’s, promoted by a company called iCash are called Cashpod’s and are going to be placed in pubs and clubs and other free standing operations throughout NSW over the coming weeks.
[…]
The first of the Federal Government’s stimulus bonus payments are being sent this week. Payments will be made in a random order, according to postcodes. In order to receive your bonus, you need to file your 2007-08 tax return before June 30th this year.
Taxpayers earning less than $100,000 will receive a one-off bonus of up to $900, as part of the Federal Government’s $42 billion stimulus package.
The idea is to spend your bonuses to help stimulate the Australian Economy. Keep in mind when purchasing certain products such as electronics, you will most likely not be supporting Australian products, however you are supporting Australian jobs. […]
The Reserve Bank of Australia has revealed that Australia’s banks pocketed $11.6 billion in 2008 purely from fees charged to consumers and businesses. This amount is an 8% increase from the previous year.
The $4.9 billion rise is reportedly slower than its annual growth rate over the previous five years. Credit cards and home loans have […]
Reward credit cards can be a great tool as they allow consumers to earn points on charges that can be turned into perks such as cash back, air travel and merchandise. According to the credit card companies, the more you spend the more you will get back in reward points; however this is not always the case.
A majority of people use credit cards as a tool to make purchases such as airfares, accommodation, concert tickets, and general online or over the phone payments. However for consumers who let the promise of perks drive them to overspend, a rewards credit card can end up costing them significantly.
[…]
Australian Lending Centre, a longtime leading supplier of financial services such as home loans, personal loans, business loans, and debt consolidation loans is well known for its high level of customer service and its ability to tailor a financial solution to individual clients.
For years now, Australian Lending Centre has been receiving positive customer feedback and praise from their clients for outstanding service which is a tremendous honour to Mr. Chris Riotto (Australian Lending Centre’s Managing Director).
“We care about finding the perfect solution to better a person’s financial situation, especially when they fall on hard times. We have the experience and a dedicated team that enables us to offer our clients the friendly and efficient service that they deserve,” says Chris. […]
The banks don’t want the government to go ahead with their plans to raise the bankruptcy threshold from $2,000 to $10,000. The Australian Bankers Association claims that by raising it to $10,000 it will encourage Australians to run up bad debts.
What this change will mean is that companies that debtors owe money to will not be able to ‘chase’ their payments from the debtor until they have accumulated at least $10,000 of debt.
The proposed new law also would increase the “stay period” from 7 to 28 days, which would force creditors to wait a month before being able to take action to recover the debts owed to them.
[…]
Kevin Rudd admits record low rates are certain to increase after an inflation rise of 2.1%.
The inflation rate has economists tipping a fourth consecutive interest rate rise when the Reserve Bank meets next Tuesday.
Figures from the Australian Bureau of Statistics reveal headline inflation rose 0.5% in the three months to December, for an annual rate of 2.1%.
Mr. Rudd said interest rates would obviously rise again.
[…]
The Government must come clean about which Australian banks are in danger of collapsing, instead of using taxpayer money to prop them up behind the scenes.
The Federal Government’s $62 billion Future Fund, comprised of three years of budget surpluses (taxpayer funds gouged by the rising GST charge on skyrocketing prices for food and fuel, but not spent on hospitals, schools or infrastructure), and chaired by former banker David Murray, injected $2 billion into Australia’s ailing banks between January and April.
[…]
The new Budget signals a sigh of relief for Australian families struggling to meet costs, as Treasurer Swan discerned “This is a budget which tips the scale back in favour of Australian families”.
The Government has released its first Labor budget in over a decade, which will cut taxes and promote health, education and infrastructure. This is good news for working families and struggling working families and the lower income earners, while reductions to harness inflation will be aimed at the higher income earners of the Nation. […]
Frightening new statistics suggest rent prices are set to rise by up to 50% over the next four years. A new study from Australian Property Monitors (APM) has suggested these figures are very real predictions for the immediate future.
“This is not good news for renters … we advise renters to lock in their current arrangements for as long as they can,” APM general manager Michael McNamara cautioned recently. These alarming predictions may suggest that renting will match that of mortgage repayments.
For those unable to afford a mortgage and have alternately turned to renting, it provides a very worrying picture for the next five years. This can only serve to put increasing pressure on living arrangements, with young people moving out of home feeling the brunt of the rising costs. […]
With inflation on the rise and living costs soaring, more young people are descending into debt. In a recent nationwide survey done by financial services company Dun & Bradstreet, the increasing range of debt receipts alarmingly fell around the 18-34 age
The survey found that more than one in five Australians expect to use their credit card to finance purchases they otherwise couldn’t afford. Livings costs are sky rocketing and as a result, young people are struggling to meet the financial demands. House hold debts have increased by 30% since Oct 2007, a mere six months ago. Credit card debt affects not only the middle age demographics but also the younger market, combining to make the nation’s current credit card bill, which stands at a staggering $42.340 […]
The revolutionary four door ‘no-frills’ car unveiled in India earlier this year, is the world’s cheapest car, pricing at a mere $2835. The Tata group creation is just the beginning of what is fast becoming the international age of affordable motor vehicles.
In Australia, cars are becoming increasingly more affordable, including both new and used vehicles. […]
Here is a list of Consumer Suggested Resources:
Tools4noobs Free Web Directory
Thales Directory
Travel Link Exchange Directory
Quality Web Directory
Vision IQ Directory
You can submit site to cotid.org the coolest of the internet directory. This site is listed under Loans Directory
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery
Gallery