Ivy Zero Finance » 2011 » July

There are many different insurance companies in South Africa, each of them offering you a different package for what you need. The key is to finding a reliable insurance company, and there are some easy ways of doing this.If you live in South Africa, you will have many insurance needs; for your vehicle, your home, your life and a few other things. It all depends on your assets and your financial needs. Due to the fact that life can be a bit more dangerous in South Africa, it is imperative that you have insurance wherever necessary. Reliable insurance in South Africa is not difficult to come by, you simply need to know where to look. One of your best resources will be the internet. If you look on the internet, you will find that there are many different insurance companies in South Africa. The trick now is to figuring out which one will be best for you. This is where research comes in. You need to read up about insurance, the different policies available out there and how much you should be looking to pay. Educate yourself on all

Fraud is becoming much more common in the mortgage industry. To protect your home and your homes equity it’s exceedingly critical to see the signs of property fraud. It’s also critical to know how to report mortgage fraud to state and federal agencies so they can stop con artists from preying on uninformed borrowers.Con artists can frequently target property owners already fighting to meet their mortgage loan commitments or are anxious to sell their houses. There is help available when facing financial problems or foreclosure, just make sure you are dealing with a respected organization before getting involved. Fraud scams may sound like an outstanding deal, but unfortunately their ultimate goal is to take your house, never to assist you in saving it.Below are just 2 of the fraud schemes going around today:Foreclosure Rescue SchemeIf you have started to fall behind on your loan payments, this might seem like an appealing solution, but look out. A foreclosure rescue scheme frequently leads off with a con artist proposing a promise to pay off the overdue mortgage loan, allowing you to remain in the home as a tenant with the choice

There are many good ways to make money, primarily including the two activities of investment & trade, which are different from each other, but, are usually mistaken for each other. The big differences between these two activities are firstly the much bigger amount of money which is possible to be made out of trade. Secondly the complexity of the trade process which takes a trained skilled businessman to do the job.As a result of less complexity of the investment, many people prefer to try it, having taken a much smaller risk and having made a reasonable (however not huge) profit. Yet, the real money is made out of trading activities. Being a trader, as mentioned, needs to have to many related skills and knowledge which can be sought for through some skilled advisors and/or using the relevant databases such as some software, which have been recently invented in this regard.Trading could naturally be a very risky job as well. It is not always successful and there are no guarantees for it. Therefore, it should be done so carefully, making sure that you have been taught all the tricks, and

I read your column last week on factoring. I am looking at a short term loan with my bank but don’t really want to wait for months to secure the debt and go through endless contrived hoops. I saw from your column that you could borrow against invoices or even sell them off to raise money, so I thought a factoring loan might work for me. Any thoughts?I think I mentioned that factoring might be a more expensive option. If the companies that owe you money are a good debt, why bother with factoring as you know you will definitely be paid. You could simply opt for a confidential invoice discounting arrangement where you effectively borrow against your book debt (those who owe you money). This will raise the capital quickly and if you decide you want to pay the loan off earlier you can do so at a much lower cost than the cost of repaying a factoring agreement, which will have greater operational and risk costs ‘factored’ into it.Remember to go for confidential invoice discounting as opposed to ordinary invoice discounting, as with the latter your customers