Buying your first home can be daunting since it's such a huge financial transaction. House hunting is stressful enough, but you also have to obtain a mortgage, and that can sometimes be difficult when you're a first-time buyer. Fortunately, there are programs set up for first-time home buyer loans. These make it easier to qualify for a mortgage compared to getting a conventional loan that may require a large down payment and high credit score. [Read More]
Are Fixed Rate or Variable Mortgages Better?
Whenever it's time to change or apply for a mortgage, this question will come up: what's better—fixed or variable? Which is safer or has the best value? Here's a list of pros and cons for both so you can make the right decision for you when talking to mortgage services. Fixed Rate Mortgage With a fixed rate mortgage, the interest rate applied is fixed, which means the first payment you make will be the same as the last payment you make during the set fixed term. [Read More]
A Short Guide To Managing Your Company's Credit Cards Wisely
Company credit cards are a good way to help your business run faster and smoother. It streamlines paperwork and allows salespeople, purchasers, and managers to buy what they need when they need it. But, company credit cards can also be misused and cause administrative problems if you're not careful with them. How can you manage your company's credit cards to avoid trouble? Here are a few tips. Hand Them Out Judiciously. [Read More]
What To Do When You Lose Your Stock Certificate
Stock certificates are incredibly important. Not only does the certificate provide specific information about the stock you've purchased, but most importantly, a stock certificate proves that your company is, in fact, the rightful owner. For this reason, losing a certificate can be especially problematic, but it does not have to mean chaos. There are things you can do to in the event you misplace your certificate. Prepare an Affidavit As soon as you recognize that you've misplaced the stock certificate, you need to prepare an affidavit. [Read More]