Archive for the ‘Financial Services’ Category

Submitted by: Jay Moncliff

Competent financial advisors dont have a particular look about them, even if they claim to have proof of their ability. To protect yourself, it is important to ask the kind of questions that will indicate whether the potential advisor has the requisite level of skill to handle your financial affairs, or whether you should look elsewhere. The following simple questions will help you determine if the advisor under scrutiny can really help with your financial affairs.

The first enquiry you should make relates to education. Competence and quality with advisors comes in the form of a relevant tertiary education, professional memberships of financial advisory groups, and certificates or further qualifications that show ongoing professional development. It is also important to enquire about length of experience in the financial industry, and in particular how long the individual has been working as an advisor. This should be considered the first step in your financial advisor selection process.

The second avenue of enquiry relates to payment for services. This question is important as financial planners can bill hourly, work for retainer and some work on a commission basis. Each of these payment channels attract differing fee levels, and this information will influence your choice of financial advisor. It pays to know up front.

Another excellent gauge of success and ability is testimonials, and in particular referrals. If the financial planner you are considering cannot provide referrals you should be sceptical about any claims about past success they may make. The opinions of previous clients are excellent indicators of the ability of a financial planner.

Finally, ask for a plan. Any financial advisor worth their fee will happily outline the scope of their services, tell you what information you need to provide them, and work with you across all relevant areas to develop a plan for you to reach your financial goals.

About the Author: Jay Moncliff is the founder of

a website specialized on Financial Advisor, resources and articles. This site provides updated information on Financial Advisor. For more info on Financial Advisor visit:


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By CL Haehl

Whether you are refinancing, getting a second mortgage or home equity loan, getting a mortgage loan with poor credit history can be tough. In the eyes of the lender, having credit problems puts more emphasis on the other qualifying factors to determine whether or not you can get approved.

Here are some tips to help you get approved for a mortgage loan:

1. Consider ways to come up with a down payment – Even a 2-3% down payment can affect your ability to get approved for a mortgage loan or help you get a lower interest rate on your loan. There are many creative ways to come up with a down payment. Sometimes it can be worth saving for a few extra months or a year to come up with a down payment.

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2. Lenders will be looking closely at your income and job history – With bad credit, lenders are going to want to make sure that your income is more than enough to cover all of your minimum payments. The longer you have been at your job, the better. If you are close to the one year mark for your employment, consider waiting a little longer at your job before you apply for your mortgage.

3. Lenders will want to see your most recent debt payments being made on time – Even if you have had credit problems in the past, lenders will be looking closely at your payment history over the last year or two. They will be most interested in how you make your auto, utility and credit card payments. If you are consistent with those payments now, the lender may be willing to overlook past credit problems.

4. Try using techniques to increase your credit score – There are many tips available online to help you raise your credit score. There are 16 ways to improve your score here. You can dispute online, for free, any inaccuracies that are shown on your credit report. This can begin raising your score, sometimes within 30 days or less.

About the Author: Try Applying For a Bad Credit Mortgage Loan Here – We have compiled a list of reputable poor credit mortgage companies online. Try applying here first.


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By Ed Sneineh

Uninsured Motorist Bodily Injury Coverage (UM) – Refers to the mandatory coverage that your auto policy provides for you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. The State of Illinois law requires uninsured motorist limits of $20,000 per person and $40,000 per accident. For additional premium, you may buy higher limits to pay for claims that exceed those amounts.

Uninsured Motorist Property Damage (UM PD): This is an optional coverage. It provides coverage up to a specific amount, to your vehicle, in the even you were hit by someone who is legally insured. Since this is a partial physical damage coverage on your vehicle then you cannot and should not purchase it if you are also getting comprehensive and collision (there will be overlap in coverage.) Some people refer to a liability policy with (UM PD) as Liability Plus insurance.

Underinsured Motorist Bodily Injury Insurance (UIM) – This is an optional coverage that provides bodily injury equal to that in the UM, in the event that you are injured in an accident that is not your fault and the other person has insurance, but his/her insurance was not enough to cover all the bodily injuries you sustained. Insurers do not have to offer this coverage at the basic mandatory liability limits of 20,000/40,000. In the even the client chose to have higher limits, the insurer must offer this coverage at the same level of UM.

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That is why getting an affordable auto insurance requires more than just looking for the cheapest quote. The limits on bodily injury for you is in question.

What can you do if you were hit by an uninsured motorist who was at fault in the crash? Can something be done to help you collect damages?

If you have a private policy you should submit a claim to your private insurer and they will help you collect for the damages. In this case you have to pay for the deductible and once your insurance company collects for damages they will refund you for the deductible that you paid.

You can also submit an Illinois Crash Report to the Illinois Department of Transportation Accident Report Office, 3215 Executive Park Drive, Springfield, Illinois 62766, Phone 217-782-4516. In the report you should indicate that the party was uninsured and request that the case be certified to the Secretary of State for suspension under the Safety and Financial Responsibility Law. Once the case is verified and the accident report is certified, the state will suspend the driver’s license of the at-fault uninsured driver and the license plates of the uninsured owner involved in the crash. The suspension will remain in effect until your reach an agreement with the other uninsured motorist about paying for your bodily injury/ property damages, or until other requirements set by statute are met.

Another option is to take a legal action. You can file a court judgment against the uninsured motorist. If the judgment remains unsatisfied for 30 days, you may submit it to the State of Illinois office for suspension. If you need more information please call one of our agents, or contact the State of Illinois, Safety and Financial Responsibility Section, 2701 S. Dirksen Parkway, Springfield, Illinois 62723, phone 217-782-3720.

About the Author: Ed Sneineh is the Founder of Insurance Navy, a chain of agencies in Illinois, providing affordable

auto insurance quotes

in Illinois and Northwest Indiana


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By John Peter

In the entertainment world, every celebrity has their own passion apart from their profession. Beyonce house of Dereon Jeans is one of them. This well-known brand is truly famous among mass media and people due to its hip haute style statement and wide collection. The spirit of this brand jean is inspired by today’s stylish woman. Dereon Jeans are leading not only in women clothes but also in kids wear. Dereon was firstly introduced and picked up by Singer Beyonce Knowles’s mother.

Dereon house of jeans is a brand that is designing and tailoring beautiful clothes for personal South customers. The singer serves as an Icon for fashion line. Her creative directions and universal success is channelized in to house of Dereon. Beyonce Knowles is active in Dereon jeans in creative department approving and discussing innovative ideas. Every appearance of the Singer in public, media and music videos wearing designers is affecting the brand. She is a brand ambassador for her brand and a new generation of self-experience and excitement. The mission of this brand is purely simple: craft designs for celebrities.

House of Dereon is totally indulged in launching new collection day by day to remain stable in hip-hop market. This brand house is acknowledged by stylist Opera. Dereon jeans are extremely to the mix and match of denim jeans, hip hop and embroidery, which add ultra famine touch to it. The symbol of Dereon brand is a three-branched symbol which form an IRIS flower. Tina Knowles, mother of Beyonce Knowles has done an amazing job on girlie clothing and in turn has put in wonderful and trendy looks, which is loved by the crowd who always want to attire hip-hops.

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Dereon designer’s house recently launched worldwide collection of women jeans by campaigning on print and online media. This range brings in vast collection of women jeans along with jump suits, bottoms, Dereon sets, outwears and tops. Specialty of this brand range is so particular and unique that you would not get anywhere else at affordable prices. If you want to purchase women Dereon jeans, you can visit any of the local retailers as per your convenience to pick out your eye candy stuff. You can also buy matching accessories and hand bag matching with you jeans or dress.

This brand showcases its affordable couture which enables the brand to stand up on global platform. Women jeans of this brand are made of 95% Polyester, 5% Spandex, which is comfortable for legs. Ladies jeans falls under in stud, embroidery patterns. Dereon jeans and clothing is geared towards women of all ages. Curvaceous line is specially designed to appeal the curve line to fit Capri’s, bottoms and jeans. Dereon brand is in line to offer a plus size to women. By using bright colors and crafting exclusive article with luxury material Dereon jeans is posing a signature looks. A one can have a smart look by investing in Dereon jeans.

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