What are people searching for bank loans online?

we can search and exploit so much informatiom, example:

Objectives of the Presentation

• The four financial statements - income statement, statement of owner's equity, balance sheet, and statement of cash flows
• The ten-step accounting cycle (business transactions to the post-closing trial balance)
• Rules of debits and credits
• Accrual versus cash basis accounting
• Adjusting entries
• Accounting for inventory and receivables
• Long-term liabilities and depreciation
• Analysis of the notes to the financial statements
• Types of financial statements and the CPA opinion
• Examples to reinforce accounting concepts

Why Should you Attend
The webinar will demonstrate how the income statement, statement of owner's equity, balance sheet, and statement of cash flows are developed and connect to each other.

The webinar will also cover the ten-step accounting cycle leading up to the creation of the financial statements including the rules of debits and credits, accrual versus cash basis accounting, adjusting entries, accounting for inventory and receivables, long-term liabilities and depreciation, proper analysis of the notes to the financial statements, types of financial statements, and the CPA opinion. Finally, the webinar will include several hands-on examples to reinforce these accounting concepts.

Who can Benefit

• Business Owners
• Commercial Lenders
• Credit Analysts
• Loan Documentation Specialists
• Branch Managers
• Private Bankers
• Business Development Officers
• Compliance Managers & Officers
• Risk Managers and Officers
• Controllers
• Presidents/Vice Presidents
• Managers/Supervisors
• Sales Representatives
• Marketing Personnel
• Retail Businesses Owners
• Maintenance and Security Employees
• Stock Room Personnel
• Business Vendors.

This webinar is available in our archives.

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Which stocks are good to invest for short term?

In my opinion, The best stocks to buy for short-term would be the ones which will appreciate in price in near future! Seriously!
As you know, Investment is always done for a LONG-TERM.

Trading is always done for a SHORT-TERM. It is very risky and instead of making money, you will actually lose money in the short term. Try it out, if you don’t believe in what I am saying.

Frankly, investment for short-term does not make sense.

The following will help you in your long-term investments:

Invest equal amounts of money in 2-3 of the following Mutual Funds , in the first 5 days of every month. In other words, start a weekly/monthly SIP (Systematic Investment Plan) by going through ICICI/ HDFC/ SBI or any other dependable bank or broker. Investing in these Hybrid/ Balanced Mutual Funds is a safe investment.

Mutual Funds (MFs) are very good for safe investments if you don’t touch the investment for 5–6 years. (This investment is to be done for a long-term, exactly the same way as you do when you purchase a piece of land or a house or a flat or gold. Such items are not to be sold in just 1-2 months/quarters/years but only after 5/10/15/20/25/30/…… years.)

Investments in MFs are safe though the value of investment fluctuates as per the stock market movements.

You should ideally do monthly investments in 2–3 MFs taking the SIP (Systematic Investment Plan) route.

Investment Categories/asset classes & Yearly Returns:

FDs/RDs:7–9% per year

Gold: 9–10% per year

Real-Estate: 10–12% per year (Limitation: Can’t invest just a few thousands per month in real estate. You have to invest in lakhs only. If you urgently need money, you can’t easily get a buyer. From the time you think of selling, till you get the money in hand, it could take a few months. Also, you can’t sell just one room out of a 2 bed-room flat, if you require only a few lakhs for an emergency.)

Mutual Funds (You can invest as low as Rs. 1000 per month in a mutual fund. You can also sell only a very small part of your investment in a 5-star MF if you need only a small amount for an emergency.)

>> 5-star rated Hybrid/Balanced MFs (Returns ~ 15% per year tax-free in a block of 5–6 years. Typically, your invested amount will double every 5 years.) Prices of Hybrid/Balanced MFs fluctuate less than the prices of MultiCap MFs.

>> 5-star rated MultiCap MFs for medium risk (Returns ~ 20% per year tax-free in a block of 5–6 years. Typically, your invested amount will double every 4 years.) Prices of Hybrid/Balanced MFs fluctuate less than the prices of MultiCap MFs.

These fluctuations of prices can make you worry about your investments in MFs. However, if you have invested in 4 or 5 star MFs and if you are a long-term investor, then you should not worry about your investments in MFs at all.

After you make investments in 5 or 4 star Mutual Funds of Hybrid/Balanced and/or MultiCap category, don’t sell them in a panic for 5–6 years even if the stock market fluctuates substantially. They will go down in value & again go up. Don’t worry.

There are other categories which can give higher returns but are very risky. So, I am not recommending those categories.

Invest equal amounts of money in 2-3 of the following Mutual Funds , in the first 5 days of every month. In other words, start a weekly/monthly SIP (Systematic Investment Plan) by going through ICICI/ HDFC/ SBI or any other dependable bank or broker. Investing in these Hybrid/ Balanced Mutual Funds is a safe investment.

Hybrid/ Balanced MFs: (Returns ~ 15% per year tax-free in a block of 5–6 years. Typically, your invested amount will double every 5 years.)

(J616)

Axis Long TermEquity Fund | (Tax saver. 3 year lock-in.)

TataBalancedFund-Regular Plan

ICICIPrudentialBalancedFund

HDFCChildrensGiftFund- Investment Plan

MultiCap MFs: (Returns ~ 20% per year tax-free in a block of 5–6 years. Typically, your invested amount will double every 4 years.)

(J616)

ICICI Prudential Value Discovery Fund

Franklin India High Growth Companies Fund

Franklin India Prima Plus Fund

These funds are managed by experienced fund managers. So, these are safe investments.

Always invest in 5-star (or minimum 4-star) rated mutual funds of reputed fund houses of ICICI, HDFC, Tata, Franklin Templeton, Birla Sunlife, DSP BR, BNP Paribas, SBI…

Never invest in 1/2/3-star Mutual Funds even of these reputed fund houses.

After you understand more about investments through these balanced MFs, you may also invest in multi-cap mutual funds after a few quarters.

Please note that directly investing in the stock market (=shares) is very risky and you may lose your money as it is a Very High Risk investment avenue. So, don’t invest in stocks/shares directly. Invest in MFs.

Investing = (Buying and not having any intention of selling for minimum 1 year or preferably for minimum 5–10 years) = (Like our investments in real estate or gold where we don’t think of selling it for a very long time)

Depreciating Asset: Value of a Car worth Rs. 7 lakhs becomes ‘zero’ in 10 years. (Shallow and unwise people normally splurge on latest & expensive cars, bikes, mobile phones, watches…)

Appreciating Asset: Value of an investment in a flat/house/Mutual Fund worth Rs. 7 lakhs becomes approx. Rs. 25-28 lakhs in 10 years. (Rich & Wise people prefer to invest in appreciating assets.)

Most of the people think,

>> (Monthly Earnings minus Monthly Expenses) = (Monthly Savings)

In reality (as per the Billionaire Warren Buffet), it should be,

>> (Monthly Earnings minus Monthly Savings) = (MonthlyExpenses)

So, you should FIRST put your money in savings (=investment) on a monthly basis and THEN start spending for the month from the balance money availableto you after your monthly systematic savings/investments.

When you invest monthly in MFs, taking the SIP (Systematic Investment Plan) route, then

Your investment will double in ~5 years at 15% per year appreciation (tax-free).

So, in 10 years, value of your investment will become 4 times the invested amount.

In 15/20/25/30/35 years, it will become 8/16/32/64/128 times. Your money would just keep on growing.

Please note that this growth will not be uniformly achieved every year, but will be achieved in a block of 5–6 years.

Your investment will grow as if money is growing for you on a money plant.

This investment journey & opportunity will give you much better returns than your investments in gold.

All the best!!

For your professional growth, as you know, you need to get such quick inputs on many important topics as otherwise you may unknowingly make many mistakes in your career.

If you get such success tips early in life, then you will be able to plan your career well. Such tips are not given even in MBA programs.

You also know that you can’t get time to attend training programs to prepare yourself for the next steps/challenges in your career.

So, for Quora members, we plan to conduct FREE 90-minute online training modules in 2016, using Skype or a similar facility, on Saturdays / Sundays.

Please let us know, which 2 of the following FREE training modules would you like to attend in the next couple of months?:

• ‘How to Get Selected in a Job Interview?’
• ‘How to Get Selected in an MBA/BBA Admission Interview?’
• ‘How to get a Promotion?’,
• ‘How to become an Effective Manager?’,
• ‘Preparing to become a CEO’,
• ‘How to become better at Selling and exceeding Sales Targets?’,
• ‘KBC: How to Build Wealth by investing in Mutual Funds?’,

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Can I get payday loans with bad credit?

The answer is yes, There are lenders which offer loans to borrowers who are deemed a credit risk in exchange for higher interest rates. So although it's convenient to borrow money from such loan providers, bear in mind the cost. 
As i know that the basic loan process involves a lender providing a short-term unsecured loan to be repaid at the borrower's next payday. Typically, some verification of employment or income is involved (via pay stubs and bank statements), although according to one source, some payday lenders do not verify income or run credit checks

Individual companies and franchises have their own underwriting criteria.

In the traditional retail model, borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck. The borrower writes a postdated cheque to the lender in the full amount of the loan plus fees. On thematurity date, the borrower is expected to return to the store to repay the loan in person. If the borrower does not repay the loan in person, the lender may redeem the cheque. If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees or an increased interest rate (or both) as a result of the failure to pay.

In the more recent innovation of online payday loans, consumers complete the loan application online (or in some instances via fax, especially where documentation is required). The funds are then transferred by direct deposit to the borrower's account, and the loan repayment and/or the finance charge is electronically withdrawn on the borrower's next payday.

Although the answer is yes, however, most online payday lenders carry out credit checks in their application process to ensure the suitability of their candidates. Payday loan issuers need to ensure that their customers meet their repayments and so, lending to those with high credit scores makes good business. 

However, not all payday lenders run credit checkswhen making a decision about a loan applicant so if you have bad credit there is hope. Instead of credit checks, some lenders ask for pay slips as a proof of employment and income.

But if you have bad credit and are looking for a cash advance, there are indeed alternatives to payday loans. Logbook loans offer cash advances that are secured on your car as collateral. There is also peer-to-peer lending where an individual provides you with cash up front with their own set of terms and agreements.

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The way to apply for an FHA loan online

I will provide some useful information to help you find the answer to this topic:
First, before applying for an FHA loan who should know about the qualification process:
 You should have consistent job, at least for 2 years with an employer.

• You should have higher credit score in the past two years. As for an FHA loan the minimum credit score required is 580.
• FHA loans are available for residential purpose. You need to make you that the property you are purchasing is for the live in.
• Generally 3.5% down payment is required for an FHA loan. You need to make sure that you are up with the down payment amount.

You can easily apply online for an FHA loan, but before filling out an application online, there are things needs to be looked at, like for various information which is very much required while filling a form. Make sure that you have all the documents ready with you to make it easy to answer all the questions. There are PDF available for online application.    

Additionally, You can apply by filling a simple contact us form or filling a more time-consuming form that asks for all your details. Both will lead to the same road. It would be best to discuss what exactly you want with either the Broker or the Loan Officer of the company of your choice. Their are many lenders offering different loan packages with different conditions.

Many bigger companies have you fill out their forms so they can sell your contact information to brokers/lenders.

We are a broker in California and we partnered up with hundreds of lenders, so after you apply for a FHA loan we would find the best rate for your needs and lock the rate for you. you can always contact us if you have any questions.  While an FHA loan is insured by the government you do not need to actually need to go through the government to apply for a FHA loan. Most banks, credit unions and mortgage companies offer FHA loans. If you are happy with who you currently do your banking with I would start there. You can search their website and they usually will have an option to apply on there.

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What's the worst that can happen if you do not pay back an online payday loan?

This is a problem that a lot of people are interested, here are some ideas and information to provide you more clearly understand:
What normally happens is that the original amount and interest increases. The interest rate is added for every single month that the loan is not paid as it rolls over to the next month. This can last for as long as one year before the lender attempts to get their bargain from the contract you have signed. Your wages will be garnished. Worse, you may be taken to court. If the latter decides against your favor, some of your assets may be sequestered to pay off the loan in case you are unemployed or have loss your source of income.
Besides, In the UK, the Pay Day Loans issue is a serious problem. Not only are they charging lunatic rates of interest, sometimes as high as 2250% APR; their recovery “techniques” are very often unpleasant.

I always say to clients, always tell your creditors (people you owe money to) the truth and try to negotiate a repayment schedule, to be reviewed in 6 months. Never go to these Pay-day loan operations. Many people do not understand the concept of compound interest and actually what APR (Annualised Percentage Rate) means. In the scenario of 2250%, that means fro every US$1 you borrow, you will be charged US$2251 over the course of the 12 months. That is the amount of money that you will have to pay to clear the loan, and that assumes that the interest is accrued and applied monthly. Most of these loan sharks compound the interest on a daily basis, hence the massive APR.

Most of these Pay-day loans are worse than the loan sharks of the Victorian era in England. Their methods of collection go far from just the “little reminder call” or follow up letter, particularly if you fail to pay to time. Most of the time you do not have the protection if your Country’s laws as invaribly the loan company is registered “off-shore”, that is to say that the loan money and therefore contract is underwritten often in another Country altogether. That makes life very awkward for you.

They will have all your details as you supplied to them when you filed the application for the loan. Of course, assuming you can service 2250% interest on a simple loan (which I find unlikely, unless you are a Trader on the Stock Exchange), then you will have no problems, BUT it is likely that you are not going to be able to keep up the payment rate required, and again the interest accrual is on an exponential level.

We come now to default. You will probably initially get either text messages or phone calls at all times and day or night. These will be followed up by very aggressive letters. Very quickly, even though you may have made some sort of payment the chances are the debt is increasing as a result of the compound interest, the balance is actually going to increase faster than you can repay it.

The sort of firms who offer these “Pay Day Loans”, are far from pleasant when it comes to enforcement. Not only are they orally obnoxious and aggressive, but there have been a number of reported incidents in the UK, where these “debt collectors” use not just oral threats over the telephone or text, but as likely come to your house, in some cases your employer.

In the case of your house, they may try to “confiscate” your car or other valuable items, or apply for an enforcement order to force you to sell the house. However, given that you are likely to be dealing with the bottom end of the professional scale here, do not expect legal action, but a brick through your window.

There have been a number of incidents in the UK where the debtor is being telephone, or their door bell being rung literally every other hour, or turning up at their place of work. In some cases actually using sheer force, and by that I mean violence to the point of life threatening. Indeed there have been instances where the debtor has actually committed suicide because the bullying and pressure that these loonies use is so excessive.

In short: do not go anywhere near these pay day loan ilk since they are not comply with the law, and they would happily kill you, at best harass you to suicide.

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The way apply for an FHA loan online

There are many different way to apply for an FHA loan online, below I will provide some common ways for your reference:

You can go one of a couple routes:

1. Use a service like LendingTree - 800-310-1860 to be matched up with several online lenders.

2. Research online lenders such as me and my company and narrow your options down to one or two lenders and use online rate quote forms like you see here:  Mike Baker - Loan Officer  to get quotes from great lenders.

Whatever you do make sure and research all your loan options. An FHA loan may not be the best for you at the end of the day. 

 Other ways:

Before applying for an FHA loan who should know about the qualification process:
 You should have consistent job, at least for 2 years with an employer.

• You should have higher credit score in the past two years. As for an FHA loan the minimum credit score required is 580.
• FHA loans are available for residential purpose. You need to make you that the property you are purchasing is for the live in.
• Generally 3.5% down payment is required for an FHA loan. You need to make sure that you are up with the down payment amount.

You can easily apply online for an FHA loan, but before filling out an application online, there are things needs to be looked at, like for various information which is very much required while filling a form. Make sure that you have all the documents ready with you to make it easy to answer all the questions. There are PDF available for online application.    

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The way to get a legit loan online

Surely there are many people who do not know how to  get a legit loan online, below are some ways to give you:
The best option to get a loan online is Loanxpre, the team of experts who help you out in facilitating loan according to your requirement. They are also expert in providing services like unsecured business loans, secured business loans, working capital loans and medical equipment loans. You can also call on there toll-free number: 1800228005 for more details.

Besides, In most cases, you can just apply online or over the phone and submit the requirements through fax or as an email attachment. Approval can be expected within hours (or even minutes) and the money is deposited directly to your bank account within 24 hours. Payment is also automatically debited so won't have to worry about making a payment for it. However, if your account is empty on the scheduled auto-debit date for repayment (and after several more attempts to debit), you will be charged additional interest rates, late fees, and other types of penalty along with the original loan amount rolled over towards the next payday.

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