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Today it has become quite hard to find one ideal place that can help you manage your finances and help you put your money in the right investments that shape your business. That is when we launched this platform and we are glad people love what we are doing. Our happy clients are the testimonials of our quality and dedication.

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We are here to shape your financial goals. We understand the fact that only right goals lead to right business decisions. Let us know your goals and we are here to refine and redefine it for you.

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Investments With Best Returns

Investment

Generally, interest rates on returns have not been good for years. However, if you want a guaranteed return on the investment, no hopes are lost. It is very important to note that the safest investment produces the lowest income. When investment is quite safe; there is often over looked risk that you should be curious. inflation. A very good place to invest might be having returns of 2% guaranteed. When inflation gets to 4%, you might not get anything. That is according the government website. Below are safe investments ideas.

Certificate of Deposit

This is an investment agreement between you and the bank, to pay guaranteed rates of yields when you make deposits of money over particular time. This is one of the promising investments. This is because there is no risk to loose principal amount. Moreover, they are accompanied with insurance of $250,000 in each depositor.

The terms of the CDS can vary from 10 years to 90 years. The often you deposit, leave it in the bank that is the more the return you will have. For example if you deposit $1000 today for a year, it will give you a return of $13. However, if you deposit $10,000 and have agreement to be held for 5 years, you will get a 2% yield.

High Dividend Stocks

Although it is not fixed income investment, high dividend can be regarded to be safe and has almost guaranteed return. There is the risk of principal amount with the dividends. This is due to the price in a specific share can decline anytime. However, there are good returns from reputable companies, which have a record of paying high dividends. Those stocks are:

  • Coca Cola they pay dividend of 3.53%
  • Procter & Gamble (PG) they pay annual dividend up to 2.94%
  • Johnson & Johnson (JNJ) currently pays 2.62%
  • 3M (MMM) pays annual yield of 2.62%

The Municipal Bond

This are same as American Treasury bond, only that you could be buying debt at city level and not federal level. The municipal provides a guaranteed return just like the treasury bonds. Additionally, the income is always tax-free. However, there are some things to consider.

  • Municipal is a long term investment of more than 20 years
  • Interest rate could be at a historic lows

That is a very toxic mix. The many years bonds go inverse to the interest rates. Therefore, clearly means that, if interest rate goes up, the price of the bond goes down. Therefore, if you plan to invest 20years municipal bonds given by your authority at 2%, in three years from today the similar bond will be at 4%. When you invest in municipal, you will be able to collect good yields, without having to lose your initial capital to market.

5 Reasons Why You Need A Loan

Loan option is always the lender of the last resort when you are looking for a financial requirement. There could be various reasons for why you might need financial assistance, and the needs change from one person to the other. Also, at the same time, the amount of loan requirement may also change depending on the reason and the standard of living of a person. So here are some of the common reasons why people opt for a loan.

Construction plans:

A construction plan, be it residential or commercial, is the predominant reason why people go for loans. Also, it is important to note that only a very few people start construction with sufficient self-generated funds in hand. Most others go for housing loans even before they could start the construction. So this is one major reason why people opt for loans.

To meet out medical expenses:

The next major is when people are in need of funds to meet out medical expenses. This is because unlike the other reasons in case of medical expenses, they are mostly unplanned and that is the reason why people stumble when there is a huge medical requirement. Unplanned medical expenses can be big or small. The bigger the requirement is, the higher the chances of the person looking out for a loan requirement.

Business plans:

This is the probably the biggest of all budgets. Starting out a business on your own is not a simple task, especially when it comes to managing your finances. There are a lot of expenses that you have to meet. Depending on the type and nature of business the person has to make a huge capital base that supports the business, and that is the reason why the opt-out for loans.

Vacations:

Going for a loan with vacation as a reason might not be a common reason, but this is also a reason why people go for big-time loans. This is the fun part of the loan. Some people borrow out loans even for a reason as simple as this. While we see it as a loan bought for the reason that isn’t necessary or an event that can be planned when we have adequate funds, not all might have the same opinion. So vacation is also a major reason why people borrow.

Bills:

Apart from these, there could be other petty to big-time expenses, and you might have to borrow loans to get them paid. These are the expenses that you call the miscellaneous ones. There is not any particular category that you can put them under and these expenses vary from one person to the other. This is also one major reason why people go out for loans.

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