Brad Tinker North Carolina finance and real estate professional tricks in North Carolina? Assuming you need a 20 percent down payment. The long-held belief that you must put 20 percent down payment is a myth. While a 20 percent down payment does help you avoid paying private mortgage insurance, many buyers today don’t want (or can’t) put down that much money. In fact, the median down payment on a home is 13 percent, according to the National Association of Realtors. How this affects you: Delaying your home purchase to save up 20 percent could take years, and you could limit cash flow that could be put to better use maximizing your retirement savings, adding to your emergency fund or paying down high-interest debt. What to do instead: Consider other mortgage options. You can put as little as 3 percent down for a conventional mortgage (note: you’ll pay mortgage insurance). Some government-insured loans require 3.5 percent down or zero down, in some cases. Plus, check with your local or state housing programs to see if you qualify for housing assistance programs designed for first-time buyers.

If you’re going to buy a house it makes a lot of sense to make sure that rush hour traffic isn’t unbearable. The last thing you want is to buy a home and find out that you’re going to be sitting in heavy traffic every day. Time is more valuable than money, you don’t want to spend your time in traffic – I know I don’t. You want to spend your time doing more important things like spending time with your family. We always recommend our buyers check out the commute to and work on different days just to make sure it’s something they are comfortable with.

Brad Tinker South Carolina is a financial advisor expert in the US. Stay Out of Bad Debt: Debt means you owe someone money, and if I’ve learned anything from gangster movies, you NEVER want to owe someone money. However, not all debt is necessarily bad debt. So, what is bad debt? Bad debt is any debt that’s acquired through purchasing something that’s going to lose value and generate zero revenue. Some examples of bad debt would be credit card debt or an auto loan. What is good debt? Some people will say there’s no such thing as good debt, and while I mostly agree, I also can’t deny that some debt can be beneficial in the right circumstances. For example, if you are going to take out a loan to purchase something that will benefit you financially in the future, I’d say that debt is a lot more beneficial than credit card debt. Good debt usually has lower interest rates as well. Here are a few examples: Student loans. Since student loans typically have a very low-interest rate and going to school can increase your pay as an employee in the future, student loans can be considered good debt.

Everyone is on social media sites these days and Facebook is a great way to network and connect with buyers. In addition to the marketing effort your Realtor will provide, you can also use the power of networking to get the word out to as many people as possible that your home is for sale. People also love watching videos. If you grab your phone or video camera, make a video as you walk through your home and your neighborhood. Tell why you love it and then post that video on FB and YouTube. By doing so, you will help a prospective buyer visualize a great life living there also.

Now that you know the “fair market value” of the home you like, it’s time to determine how much you are willing to pay. Establishing this prior to making a formal offer helps define your personal limits. You should determine how much to offer, how much earnest money you will put down, how much of the closing costs you will ask the seller to pay, when you plan to settle, and what inspections you plan to have conducted. Your agent will offer great advice for structuring your offer. Remember to ask your agent about contingencies and their importance. If you don’t fully understand something, be sure to clarify it. See more details at Brad Tinker SC.

BMW used vehicles for sale in Reading with CarSalesReading? One of the most popular car batteries currently, the Optima batteries 34/78 RedTop are designed to deliver a high-powered starting ability even in bad, cold weather. The battery is of very good quality and can withstand hard launches and sudden, extreme corners, so it’s suited for various vehicles, including trucks, SUVs, hot rods and regular cars. The RedTop 34/78 is first and foremost a great starting battery. Designed to deliver a strong burst of ignition power every time, this battery will ensure you have a reliable start-up no matter the road and no matter the weather (this is mostly thanks to their SpiralCell technology). This 12 volts car battery features 800 cold cranking amps (CCA) and has a reserve capacity of 100 minutes for constant performance. The manufacturer claims the 34/78 model is a whopping 15 times more resistant to vibration, which is supposed to significantly increase the battery’s lifetime and performance. If you hate maintenance in any way, shape or form, you’ll be pleased to hear that the Optima batteries are maintenance-free (so say goodbye to adding water to your car battery!). Furthermore, they’re virtually spill-proof and super-easy to install, as they’re mountable in pretty much any position.

Come prepared and know how much you can afford and how your interest rate compares to the dealership’s financing. The dealership financing may have a lower annual percentage rate, but it’s always good to make sure you’re making the best financial decision. For the loan-approval process, you’ll need to come with your employer and salary information, as well as balances for any debts you may have. If you shop within two weeks of pre-approval, you won’t have to deal with ‘hard’ inquiries to your credit history. Nissan dealers will run a credit report and determine your interest rate. You can fill out a credit application on the dealership’s website or get pre-qualified. You can then compare this to the other loan interest rate.

GMC has updated its Acadia SUV for 2020. Visually, the Acadia stands out more than it did before thanks to a tougher face that better matches GMC’s truck-oriented marketing. The Acadia’s outdated six-speed automatic is also gone, replaced with a new nine-speed unit that promises better acceleration and improved fuel efficiency. GMC has added a new optional turbocharged four-cylinder engine that should provide similar benefits compared to the base four-cylinder engine. The 3.6-liter V6 engine is still around. For 2020, you get the latest generation of GMC’s infotainment in the cabin, along with fast-charging USB-C ports. Finally, there’s a new AT4 trim level that has more rugged styling and a few mild enhancements to aid in off-road situations.

The air you breathe inside your car is important, which is why experts recommend you change the air filter every 12 months or 12,000 miles. Changing the air filter is something you can get done when you take your car for an oil change or a routine check. However, if you’re skilled with cars, you can change it yourself. A typical air filter costs about $10, and it takes 10 minutes to change. See more details at Used Car Sales Reading.

There are things you can easily do to keep your car maintained, safe and help it retain its resale value. These tips only take a few minutes of your time but are well worth it to keep your car running safely on the road. You do not need to be an auto mechanic to inspect some areas of your car. The list below will help your car perform efficiently and allow you to know if it is time for an appointment at one of our car repair centers. Driving on the road should not feel unsafe or scary. Your tires are the easiest to inspect and one of the most important components of your car.

Car buying tricks: The Jump-N-Carry JNC660 is the best-designed jump starter on the market, featuring a heavy-duty case and a carrying handle. It offers 1,700 peak amps and 425 cranking apps, plus features extra-long, 46-inch heavy-duty #2 AWG cables. It’s also equipped with a replaceable PROFORMER battery that’s designed specifically to perform a jump-starting application. On its front, it has lights to show its built-in automatic recharging, so you’ll know when it’s fully juiced up. The unit also features a voltmeter dial that checks the status of your battery. Aside from jump-starts, it includes a 12-volt power output with automatic circuit prevention that can power a number of your accessories. Although it’s one of the heaviest portable jump starters on the list, weighing 18 pounds, it comes with a 30-day warranty.

Because most car shoppers these days keep their cars for five years or more, take your time with the test drive to make sure you really love the car. Don’t hesitate to ask for more time behind the wheel to ensure you like the driving experience, and spend time in the car while it’s parked to adjust the seats, experiment with the controls and determine whether passengers would be comfortable and your regular cargo would fit well. When you are ready to make a purchase, forget about trading in your old car for the moment. You’ll fare better if you negotiate the sale price of your new car and the trade-in value of your old car separately. Make sure you have already researched your current car’s value online so you’ll know whether you are being offered a fair price when the trade-in is discussed.

Most of these cars have an excellent blend of quality with exhilarating performance in a usable package. Assurance: A lot of dealers in used car sales in Reading also provide vehicle history checks and inspections before you actually purchase it. You can have a quick check whether the car was stolen, written off in insurance or if there were any plate or colour changes. Also, the mileage data is available for you to have a look and decide. You can start by test-driving these cars and negotiating on prices to get a great deal. Finance: Buying a car can affect your finances for the next couple years. Read even more info at https://www.carsalesreading.co.uk/.

Ice Brick manufacturer? Nordic Ice Wraps are our thinnest and most versatile temperature control product. These flexible liquid-filled wraps can be used as refrigerants, or as a protective buffer to ensure your products arrive in temperature. Nordic Ice Wraps can accommodate the smallest of areas, and can easily wrap around products to fully encapsulate and provide full-coverage protection. These wraps come in a variety of useful sizes but can also be cut on the seams to fit most all areas.

What are Nordic’s gel packs made of? The ice gel content in Nordic Ice Gel Packs is made of 99% water. All other components are non-toxic, proprietary ingredients. I’m having an allergic reaction. What do I do? While Nordic products are non-toxic, please contact your medical provider for medical advice. My child or pet has eaten a gel pack. What should I do? While Nordic products are non-toxic, please contact your child / pet’s medical provider for medical advice. Can I eat/drink Nordic Ice? Nordic products are designed to keep items temperature-controlled during shipping and are not intended for consumption. Therefore, they should not be consumed. What other items can you provide? As a leading cold chain solutions manufacturer, Nordic Cold Chain Solutions is proud to offer a variety of cold chain packaging supplies. These include, but are not limited to: insulated pallet covers and shippers, Thermal Pouches (both 2D & 3D), insulated shipping coolers and Poly bags for containing products when necessary.

Nordic Cold Chain Solutions is the manufacturer of re-usable gel packs and a variety of temperature controlled packaging products. Nordic Cold Chain Solutions is a company of Temperatsure, LLC. Nordic Cold Chain Solutions is committed to providing the highest-quality products and services within the cold chain market. From servicing large pharmaceutical and meal kit delivery companies to young startups and independent producers, Nordic Cold Chain Solutions values every partnership and is committed to its customers’ growth. Explore more info at https://nordiccoldchain.com/products/thermal-packaging/.

Nordic Cold Chain Solutions has an incredibly fast-to-freeze time with its unique freezing process. Using high-quality materials, Nordic Cold Chain Solutions gel packs last longer than the competition. Nordic Cold Chain Solutions has higher manufacturing capability than anyone else in the industry. What most companies can do in weeks, Nordic Cold Chain Solutions can guarantee in days. Nordic Cold Chain Solutions has manufacturing and distribution centers across the United States so there is always a facility nearby to get product delivered quickly.

For more than ten years, Nordic Cold Chain Solutions has developed and iterated on high-quality products that is unmatched within the cold chain industry. Built on a strong customer-first foundation, Nordic Cold Chain Solutions designs and develops all of its products for the strict demands of shipping food, medicine, and temperature-sensitive materials around the world. Nordic Cold Chain Solutions manufactures and distributes from its facilities in Reno, NV, Omaha, NE, Hatfield, PA, Orlando, FL, Farmers Branch, TX, and Louisville, KY. All sites offer complete coverage of the USA and Canada. Find even more details on https://nordiccoldchain.com/.

Top trading platform platform by Multifund10? Multi Fund 10 began its journey as a small investment planning and management firm. In 2020, while maintaining its traditional corporate culture, the firm has grown and developed into a renowned company, known by its personalized investor-relations and its responsible investment approach.

We have developed our own state of the art novice friendly online trading platform giving our clients access to every single stock exchange in the world, all major cryptocurrency and bond markets from simple browser based user interface. Our focus is on serving only our clients and being completely independent of all investment houses and platform providers. We have worked with hundreds of successful individuals, families and institutions – they all come from different backgrounds and wealth creation stories. There tends to be one common thread; our clients have built wealth and require our expertise and resources to maintain and prudently grow that wealth. Find more details at multifund10.

Example of a Forex Trade: The EUR/USD rate represents the number of US Dollars one Euro can purchase. If you believe that the Euro will increase in value against the US Dollar, you will buy Euros with US Dollars. If the exchange rate rises, you will sell the Euros back, making a profit. Think of this as a sexy new version of a stock, where the underlying thesis is the idea of decentralized ownership and value. For any other currencies in the market it is debt-based and backed by the respective monetary authorities. This also means that they are free to increase or decrease the supply to implement their policies on the market. For cryptocurrencies, they are limited in supply, hence the free market is completely at play here (demand and supply).

There is no shortcut to making money in the real world. That holds true for the stock markets as well. You will keep hearing all the get rich quick schemes for making money in the stock markets. They usually promise a lot but there are underlying if and buts to each of these schemes. If you are in the stock markets for long term then the solution is to follow a few golden rules which will help achieve your objective of making money from the stock markets as well to avoid any pitfalls on the road to the riches.

multifund10.com investment options: Cryptocurrencies are systems that allow for the secure payments of online transactions that are denominated in terms of a virtual “token,” representing ledger entries internal to the system itself. “Crypto” refers to the fact that various encryption algorithms and cryptographic techniques, such as elliptical curve encryption, public-private key pairs, and hashing functions, are employed. The first cryptocurrency to capture the public imagination was Bitcoin, which was launched in 2009 by an individual or group known under the pseudonym, Satoshi Nakamoto. As of February 2019, there were over 17.53 million bitcoins in circulation with a total market value of around $63 billion (although the market price of bitcoin can fluctuate quite a bit). Bitcoin’s success has spawned a number of competing cryptocurrencies, known as “altcoins” such as Litecoin, Name coin and Peercoin, as well as Ethereum, EOS, and Cardano. Today, there are literally thousands of cryptocurrencies in existence, with an aggregate market value of over $120 billion (Bitcoin currently represents more than 50% of the total value).

The rise of an investment professional : Farrukh Kazmi? We offer a wide range of financial services to individuals and business owners. We believe you will be better able to identify your goals and make sound decisions to help reach them by A&S providing our financial information. Please call us if you have any questions about our firm or the range of Investment services we provide. Our firm has a relationship with a variety of financial services companies, so if we don’t have a product or service, we know a group that does.

Example of a Forex Trade: The EUR/USD rate represents the number of US Dollars one Euro can purchase. If you believe that the Euro will increase in value against the US Dollar, you will buy Euros with US Dollars. If the exchange rate rises, you will sell the Euros back, making a profit. Think of this as a sexy new version of a stock, where the underlying thesis is the idea of decentralized ownership and value. For any other currencies in the market it is debt-based and backed by the respective monetary authorities. This also means that they are free to increase or decrease the supply to implement their policies on the market. For cryptocurrencies, they are limited in supply, hence the free market is completely at play here (demand and supply).

Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

One of the many benefits of working with A&S Asset Management is our ability to provide clear, easily understood explanations of financial markets, financial ideas, and where you fit within them. The personalized program that we can provide is a road map to working toward a more secure financial future.

According to a 2019 CNBC and Acorns Invest survey, over a third of Americans don’t have a good understanding of what a financial advisor actually does. That figure balloons to 46% for Millennials. So what kind of services do financial advisors and planners provide? Broadly, they can help you manage your financial life using a variety of strategies and products to both manage your wealth and improve your financial habits.

Cryptocurrencies are systems that allow for the secure payments of online transactions that are denominated in terms of a virtual “token,” representing ledger entries internal to the system itself. “Crypto” refers to the fact that various encryption algorithms and cryptographic techniques, such as elliptical curve encryption, public-private key pairs, and hashing functions, are employed. The first cryptocurrency to capture the public imagination was Bitcoin, which was launched in 2009 by an individual or group known under the pseudonym, Satoshi Nakamoto. As of February 2019, there were over 17.53 million bitcoins in circulation with a total market value of around $63 billion (although the market price of bitcoin can fluctuate quite a bit). Bitcoin’s success has spawned a number of competing cryptocurrencies, known as “altcoins” such as Litecoin, Name coin and Peercoin, as well as Ethereum, EOS, and Cardano. Today, there are literally thousands of cryptocurrencies in existence, with an aggregate market value of over $120 billion (Bitcoin currently represents more than 50% of the total value).

All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities. Find more information on Farrukh Kazmi.