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What You Need to Know About Personal Loans

12/24/19Ricky BaizasPersonal

If you want to pay down credit card expenses, finance a new entrepreneurial venture, or obtain money to move across the country, then a personal loan may be your answer. Money from a personal loan is used immediately to help cover costs and expenses. Then you pay it off in monthly installments.*

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How to Get a Startup Loan for a New Business

12/24/19Ricky BaizasSmall Business

This "startup" phase is especially perilous: The majority of businesses find the first two years after inception to be the most difficult period during the life of their company. A contributing factor is that cash can be sorely needed while building a customer base. Accessing the cash needed to grow within the first 24 months can be a steep hill to climb.*

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Interest Rates 101: Understanding The Cost of Borrowing

12/24/19Ricky BaizasPersonal

When assessing personal finances, income and taxes tend to receive the most attention. However, interest rates are another critical factor that can have just as great an impact. Interest rates can affect the mortgage paid on houses, the amount of money one plans to invest, and even the type of car that can be purchased. Generally, when interest rates are low, people are more apt to borrow money.*

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What's Missing From Your Business Budget Strategy?

12/24/19Ricky BaizasSmall Business

A business budget is more than just a way to cover operating expenses and payroll. A financial plan could be the key to expanding a company from the ground up and ensuring the business is on track to meet annual growth targets.*

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