How to save hundreds a month on your mortgage.

Written by Joseph McNealy


Continued from page 1

In order to help you in your online search for a better home mortgage rate, I have listed a few tips and questions below:

Will your credit rating be a hindrance to a new loan?

Willrepparttar lender work with you if you have bad credit?

Are you getting a new loan to refinance your rate? Or are you getting a loan for a secondary reason (paying off debt or home improvement needs for example).

Have you seen your credit report lately? Is it accurate?

Are there steps that you can take inrepparttar 111815 short term to improve your credit score before you getrepparttar 111816 mortgage quote (such as paying off small debt or challenging negative items on your credit report)?

Doesrepparttar 111817 site givingrepparttar 111818 mortgage quote, give you a quote from more than one lender? Some sites give you quotes from up to four lenders at once.

Isrepparttar 111819 quote free? Also, you should be under no obligation should you decide not do business withrepparttar 111820 lender.

These are just a few ofrepparttar 111821 points that one should remember when searchingrepparttar 111822 vast resources ofrepparttar 111823 Internet for answers to your financial questions. If used wisely, a new mortgage could berepparttar 111824 step that changes your financial future forrepparttar 111825 better.

Joseph McNealy is the webmaster of The Online Arcana, a new website dedicated to personal financial information. If you wish more personal information on mortgage refinancing (such as a quote) you may go to http://www.onlinearcana.com/refinance.html. To visit our blog, please go to http://www.onlinearcana.com.


Introduction to Absolute Return Funds

Written by Murray Priestley


Continued from page 1

How Absolute Return Funds play a part in your portfolio

All fund managers try to achieverepparttar best performance they can. Their entire reason for being is to maximize your return on investment. An Absolute Return Fund uses various investment instruments to deriverepparttar 111814 best consistent performance to you. Benefits of investing in an Absolute Return Fund are:

Returns in rising and falling markets

Absolute Return Funds main advantage over regular stocks is that they aim to give you return in both rising and falling markets. One ofrepparttar 111815 keys to successful wealth accumulation is to continually move forward. Absolute Return Funds ignore bearish and bullish trends to be consistent performers in your portfolio.

Diversification in non-traditional investment instruments

Diversification in your investment portfolio is a key to success. Your portfolio should already contain shares, bonds, property, cash, fixed interest investments. Absolute Return Funds offer another weapon in your wealth accumulation armoury. You are able to diversify your portfolio further which gives you more security and, over time, a better return on investment.

Liquidity

Units in Absolute Return Funds are often available directly fromrepparttar 111816 fund manager but are easily found, and traded, onrepparttar 111817 stock exchange. This makes your investment highly liquid. You haverepparttar 111818 ability to increase, or decrease your stake, in a particular fund atrepparttar 111819 click of a button.

Returns from both income and capital

Absolute Return Funds can give you both returns in both income and capital. This spread will assist your tax position as you are not overly exposed to any one kind of return.

Risk Management

Absolute Return Funds are actively managed. The managers also tend to have large amounts of their own personal wealth invested to reassurerepparttar 111820 investors thatrepparttar 111821 managers are always trying to maximize their return on investment.

Written & published by Murray Priestley, Managing Partner of Portofino Asset Management, private investment managers and publishers of the Portofino Report. www.portofinoasset.com


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