Posts Tagged ‘Reveals’

Rick Otton Reveals The Secret On How To Buy Houses For Sale Without Acquiring Large Debts

(PRWEB) September 10, 2014

The Council of Mortgage Lenders revealed that there has been a 17 per cent increase for new mortgages issued to first-home buyers this year compared to last year’s figures. However, records also prove that many of them are borrowing more in order to supplement their income, First Rung Now published on 3 September 2014.

In light of this alarming news, Rick Otton, a respected property coach, discusses how first-home buyers could purchase houses for sale without acquiring more debt.

“CML said that 12,300 new mortgages were awarded to first-home buyers in London only, but the total value of mortgages released to first-home buyers in the second half of 2014 reached £3 billion. However, the increase in new mortgage approvals is also accompanied by a rise in the total amount borrowed by buyers. First-home buyers now borrow 3.9 per cent higher than their gross income. The average amount of mortgage taken out is £212,000 slightly higher than last quarter’s average of £200,000,” he shared.

“Taking on large debts is risky. The higher the debt, the more vulnerable an investor becomes to changing market conditions. It’s advisable for buyers in the UK to start finding other ways into the market without accumulating too much debt and putting the financial future of their family at risk,” according to Mr. Otton.

Mr. Otton then shared in a recent interview for that an alternative way into the UK real estate market is through buying houses with the help of seller finance strategies.

“Seller financing is helping people around the UK buy their dream homes or investment property without paying large deposits or applying for new home loans. This way, families won’t be caught in a debt trap of expensive mortgages once market conditions change. For example, rather than apply for a home loan, the buyer can negotiate to assume the existing loan and pay the rest of the equity in portions. This allows the buyer to move in quickly, without all the hassles associated with taking out a new loan. Moreover, it allows the seller to move away from unwanted debt immediately while creating a passive income stream,” he discussed.

Visit today to get more information about creative seller finance strategies and how these strategies can be applied in changing market conditions.

About Rick Otton

Rick Otton is a property investment professional who, over the last 23 years, has introduced innovative real estate strategies to the UK, Australian and the United States. His creative ‘low-risk, high-reward’ approach to buying and selling houses is exemplified in his own business, We Buy Houses.

This year marks the 10-year anniversary of Mr Otton introducing his strategies to the UK, and the 5-year anniversary of his innovative ‘Buy A House For A Pound’ process – one that attempted to be emulated by others. His constant process of strategy refinement, and adapting to the ever-changing real estate market, continues to place him at the forefront of property investment education.

In 2012 Rick Otton published his Australian book ‘How To Buy A House For A Dollar’ which was named in the list of Top 10 Most Popular Finance Titles for 2013. A UK version is on the drawing board for publication in 2014.

Mr Otton freely shares insights into his non-bank-loan strategies that have allowed everyday UK men and women to beat the rental cycle and have their own homes. He coaches others on how to build profitable businesses by facilitating transactions that focus on the needs of potential buyers and motivated sellers.


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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Consumer Reports Reveals the Best Used Cars and Ones to Avoid

YONKERS, NY (PRWEB) March 13, 2014

With prices at historic highs – even for models with high mileage and seemingly excessive wear – and with so many vehicles from which to choose, shopping for a used car can be a challenge. To help Americans choose the best used car for their money, Consumer Reports compiled a Best & Worst Used Cars list for model years 2004 through 2013.

The full report is available in Consumer Reports’ Annual Auto Issue, which is on newsstands now, and at the 2014 Autos Spotlight page on Highlighted are the best small cars, sedans, and SUVs available in four price ranges: from $ 10,000 or less up to $ 25,000. Each performed well in CR’s testing when new and had above-average reliability for the model years shown, based on CR’s Annual Auto Survey. And all models came standard with electronic stability control (ESC).

“When shopping for a used car, it’s really important to find a car that drives well and will hold up down the road. Our guide makes it easy for shoppers to choose a great used car by highlighting the best small cars, sedans, and SUVs in four different price ranges,” said Rik Paul, auto editor, Consumer Reports.

In the $ 15,000-$ 20,000 price range the following cars made Consumer Reports’ list of best used cars:

SMALL CARS: 2012-13 Hyundai Elantra and 2011-13 Subaru Impreza

These are as roomy and as comfortable as larger, more expensive cars. The Elantra combines nimble and secure handling with a fairly comfortable ride. The Impreza sedan and hatchback both offer standard all-wheel drive along with sporty handling and a great ride.

SEDANS: 2011-12 Toyota Camry, 2010-11 Toyota Camry Hybrid, and 2008 Acura TL

Both the four- and six-cylinder Camry deliver impressive fuel economy along with a comfortable ride, a roomy cabin, and superb reliability. For even better gas mileage, the Camry Hybrid gets 34 mpg overall and 41 on the highway. A sportier alternative is the Acura TL, which has long been one of our favorite sedans to drive.

SUVs: 2006-07 Lexus RX and 2009-10 Subaru Forester (nonturbo)

The Lexus RX is comfortable, nicely finished, and extremely reliable. The hybrid version gets good fuel economy. The Forester is more utilitarian but handles well and has an excellent ride. Access is easy, and the view out is the best among SUVs.

The Consumer Reports used cars to avoid list includes 2004 to 2013 models that have had multiple years of much-worse-than-average overall reliability, according to CR’s Annual Auto Survey. Among the more than twenty models that made the list are the BMW X5 (6-cyl.), Chrysler Town & Country, Ford Fiesta, and Volkswagen Beetle.

For more information on used cars pick up a copy of Consumer Reports’ April Annual Auto Issue, which is available on newsstands now wherever magazines are sold, or visit the 2014 Autos Spotlight page on

Consumer Reports is the world’s largest independent product-testing organization. Using its more than 50 labs, auto test center, and survey research center, the nonprofit rates thousands of products and services annually. Founded in 1936, Consumer Reports has over 8 million subscribers to its magazine, website and other publications. Its advocacy division, Consumers Union, works for health reform, food and product safety, financial reform, and other consumer issues in Washington, D.C., the states, and in the marketplace.


MARCH 2014

© 2014 Consumer Reports. The material above is intended for legitimate news entities only; it may not be used for advertising or promotional purposes. Consumer Reports® is an expert, independent nonprofit organization whose mission is to work for a fair, just, and safe marketplace for all consumers and to empower consumers to protect themselves. We accept no advertising and pay for all the products we test. We are not beholden to any commercial interest. Our income is derived from the sale of Consumer Reports®,® and our other publications and information products, services, fees, and noncommercial contributions and grants. Our Ratings and reports are intended solely for the use of our readers. Neither the Ratings nor the reports may be used in advertising or for any other commercial purpose without our permission. Consumer Reports will take all steps open to it to prevent commercial use of its materials, its name, or the name of Consumer Reports®.

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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Cash Funds Fast Reveals a New Affordable Resource of Emergency Business Loan Options for Small Business and Industry Specific Businesses to Acquire Needed Working Capital

Nationwide (PRWEB) September 25, 2013

An unsecured business bank loan is hard to come by these days, especially small business loans for the service and retail sector. Professional organizations, such as law practices, architectural firms, and engineering consultants are likewise being shut out.

Credit unions have filled part of the gap, “While some banks have money to lend, the requirements for small businesses to get a hold of it are so strict that many are frozen out. Paul Gentile, executive vice president at the Credit Union National Association, says large banks are reticent to make business loans under $ 200,000 which is where credit unions come in,” reports Fox Small Business News, on April 23, 2013, at:

However, a new initiative in Congress to expand credit union unsecured business bank loan products has stalled, because the big banks are actively lobbying against the measure. Large corporate banks are attempting to hold onto their dominant market share.

With merchant cash advance rates at near historic lows, small businesses are turning to alternative lenders like Cash Funds Fast. These lenders offer products such as emergency business loan and does not require substantial financial documentation or collateral to lock in competitive merchant cash advance rates. These lenders also approve financing arrangements regardless of liabilities.

That’s not the case with the big banks, “If a business already has a lot of outstanding debts, whether from other loans, lines of credit, or accounts payable, business loan lenders are unlikely to extend it further credit,” explains Small Business Bonfire.

Cash Funds Fast is changing the landscape of commercial lending. The company boasts a 98 percent approval rate, offers low rates, flexible repayment terms, and does not require a plethora of documentation for its application review process like conventional lenders do. Small businesses seeking an unsecured business bank loan are constantly being rejected by traditional lenders. Those lenders often require sizeable guarantees to hedge their risk.

However, companies should not use personal assets to secure a commercial loan. A report done by the Fox Business network advises, “…business owners can find untapped collateral that can be used to back the loan. If a business owner comes up with it, whether it’s stock or a house, the bank will be willing to talk. Keep in mind that financial experts don’t recommend putting up a home to back a small business loan, unless it’s a last resort option. In the ideal situation, the collateral will be something tied to the business, and not the business owner’s personal finances.”

Alternative lenders are a great resource to avoid such risk, especially if seeking an emergency business loan. Funding through Cash Funds Fast starts with a simple and free application. Money is generally available in less than a week, and applicants can receive as much as $ 500,000. No credit checks are required and repayment is based on a percentage rate rather than a fixed payment amount. Businesses enjoy flexible repayment terms based on monthly credit card receipts. That means if a company experiences a slower month; the payment is adjusted downward.

What’s more is the lender offers emergency loans, which can help businesses facing unforeseen circumstances of all kinds. Companies can apply online within minutes and receive pre-approval in as little as 24 hours. Funds are typically available in under a week.

Common alternative lending services that Cash Funds now offers include:

        Business Cash Funds Fast
        Merchant Loans
        Unsecured Business Loans
        Merchant Cash Advances
        Small Business Loans
        Business Loans
        Unsecured Business Loans
        Business Loan Alternative
        Bad Credit Small Business Loan
        Franchise Business Loans
        Medical Business Loans
        Retail Business Loans
        Restaurant Loans
        Poor Credit Business Loans
        Business Working Capital

More services are available, in addition to the above list, through the website at:

Cash Funds Fast expanded nationwide services are now available in the following geographical areas:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, and Wyoming.

About Cash Funds Fast

Cash Funds Fast is a division authorized by TieTechnology, LLC. TieTechnology, LLC, specializes in service based solutions for businesses. Services provided by TieTechnology are merchant credit card processing, business service telecommunications, and web based visibility marketing. The advantages of doing business with TieTechnology are, their commitment to their customer service excellence and the offering of one stop solutions to all business to business service product needs for the customers’ convenience. To learn more about their wide assortment of business services, please visit, or

TieTechnology, LLC

813-856-0223 x150

888-809-9243 x150

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Car Finance 247 Reveals a Change in Brits’ Car Buying Habits

Car Finance 247 Logo

Manchester, UK (PRWEB UK) 27 June 2013

The last eight months has seen a change in people’s car buying habits, says car finance and dealer specialist, with a gender reversal on using car finance being the main difference.

Carfinance247 carried out an independent study in October 2012 to learn more about people’s car buying and car financing habits. They repeated the survey in June 2013 and saw some distinct differences:

    18% of all those questioned are planning to buy a vehicle in the next 12 months – this is a 7% decrease since October last year;
    15% plan to pay in cash or by using savings – this is a huge decrease from the previous 73%, suggesting that cash and savings are not so readily available;
    9% more males plan to use car finance or go to a bank compared to females – this is a stark contrast to the previous survey where women were more likely to opt for car finance (24% planned to use car finance or go to a bank compared to 16% of males).
Emily Henshall, Marketing Manager at, says: “Rerunning this survey after 8 months has shown how volatile the car buying market can be in a short period of time. Less people are looking to purchase a vehicle, and with cash and savings being depleted, men, in particular, are recognising other options such as car finance.”


*Independent research carried out in June 2013 on behalf of by Usurv

** Independent research carried out in October 2012 on behalf of by Usurv


Emily Henshall, Marketing Manager,, telephone: 0800 019 7180 or email: emily(dot)henshall(at)carfinance247(dot)co(dot)uk

About us:

Founded in 2000, is a privately owned business with offices based in central Manchester. We provide vehicle financing solutions for all financial circumstances such as hire purchase, personal contract purchase, contract hire and other leasing options. No deposit is required and we can supply and deliver any make and model of your choice.

Address: The Loading Bay

Albion Works

12-18 Pollard Street


M4 7AJ


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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Colordarcy Reveals 7 Reasons Why Istanbul Will Be The Best Place To Invest In 2013

(PRWEB UK) 10 December 2012

Loxley McKenzie, Managing Director of Colordarcy commented, “There was a time when I could have held up several as candidates for the hottest property markets, however with Europe still in economic decline and Asian property prices slowing down, those choices are limited to just a few outposts where property prices are still rising.

One of these countries is Turkey and there are seven reasons why I expect it’s fastest growing city, Istanbul, to continue growing in 2013, even as property prices in most of the rest of Europe are likely to fall further.”

Colordarcy suggest the following seven reasons why property investors should be looking at Istanbul as the best place to invest in 2013.

1. Turkey has risen to third place in the world’s hottest property markets

According to Knight Frank’s latest global house price index, Turkey’s property prices increased on average 11.5% between Q3 2011 and Q3 2012. This is phenomenal considering that one of Turkey’s near neighbours, Greece, has been grappling with their own version of a Great Depression.

Nowhere else in Europe have property prices risen this fast this quickly and it is likely that further increases in the value of property in Istanbul will be seen as more investment money pours into the city.

2. Stable economy and a better credit rating

Turkey’s economic situation is far more stable than it used to be say country analysts at Colordarcy. Back in November 2012, Fitch finally lifted Turkey’s long term currency debt to BBB- from BB+ (Source: Reuters)

Ratings agencies are notorious for taking a ‘glass half full’ view of most countries at the moment, so it is a very positive sign for next year that Turkey has actually been upgraded.

3. Pent up demand

Turkey’s economy and property markets have grown so rapidly, it is easy to forget that the country is still emerging. What makes Istanbul so attractive is huge demand for property according to Colordarcy analysts.

At the very basic level, the price of property in Turkey is rising because demand is so high. 600,000 housing units a year are needed to cater for rapid population growth. (Source: Turkstat)

4. Lifting of reciprocity restrictions

The lifting of the reciprocity law in Turkey in May 2012 attracted global attention. Even before Turkey decided to lift its restrictions on foreign property investors, $ 1.1 billion worth of property had already been purchased, which was four times the amount in 2011.

5. Increased interest from Middle East investors

Turkey has been on a major charm offensive aimed at attracting investment from its Arab neighbours. The Middle East currently accounts for just 10 per cent of foreign direct investment in Turkey (Source: Turkstat) and there is a good chance that this will now rise considerably.

Back in October, the FT reported that one construction group developing a site in Istanbul had received $ 400m from Gulf investors before it was even launched.

6. Prices remain low in comparison to most Western European countries – even in Istanbul

The price per square metre of property in Istanbul has risen from £1,244 to £2,800 in 7 years, yet the average price per square metre of Turkey as a whole still has a long way to catch up with Spain, The Netherlands and the Czech Republic.

Istanbul still ranks a lowly 29th among the world’s most expensive cities to buy property. (Source: Global Property Guide).

7. Turkey has performed well even as the rest of Europe remained flat or in decline in 2013

Knight Frank’s latest report on European property makes for grim reading. Austerity measures being taken in most countries to pay off debt are clearly having a negative affect on property prices. The index rose just 1 percent year-over-year in the third quarter of 2012.

The 12 countries at the bottom of the list are all from Europe, and the fact that Turkey has weathered this year’s storm well and hints at more of the same to come in 2013 as the situation in Europe hopefully improves.

Notes to the editor:

Colordarcy is a leading property investment company that specialises in finding positive cash flow investment properties worldwide. Colordarcy investment property portfolio includes some of the best properties for sale in Brazil, Florida, Turkey and the United Kingdom.

For more information, supporting pictures or logo artwork, please contact:

Brett Tudor

PR Manager

Tel: +44 (0) 207 100 2393

Email: press(at)colordarcy(dot)com


Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

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The Elevation Group Reveals Surprising Gold Hedging Strategy Most Investors are Not Aware Of

The Elevation Group

Austin, Texas (PRWEB) October 03, 2012

The Elevation Group, an Austin, Texas based alternative investment newsletter, recently discovered a strategy to help everyday investors hedge gold bullion against market volatility. To see a summary of this strategy, please click here.

Buying and holding onto gold bullion can put an investor through a roller coaster of emotions. This year has been especially hard with the dip and recovery. However, there are ways to invest in gold bullion without having to experience the volatility.

“Wouldn’t it be nice if you could buy gold anytime you wanted, and not have to worry about the price going down even if the spot price was going down?” asks Mike Dillard, founder of the Elevation Group. “There is a way you can make it happen… and it is a remarkably simple, yet effective way to “hedge” your physical gold. Our strategy will detail how to make this a reality.”

The biggest benefit to this technique is the simplicity. Users won’t have to hire an expensive hedge fund manager. Plus, once set up, the system almost runs automatically. You only need to make updates once a month.

“In fact, the system is so simple, one our staff has tested it with his 82 year old Mom…and it took her less than a minute to figure out and implement,” continues Mr. Dillard.

To view a summary of this strategy and watch the video presentation, please click here.

About the Elevation Group: This personal “Gold Hedge Fund” system is outlined in the member’s area of Elevation Group. The Elevation Group, however, has a lot more to offer than just a gold hedge technique. In fact, EVG offers its members instant access to 15 other wealth-building strategies designed to help families protect and grow their nest egg, even in the midst of an economic collapse. For more information on The Elevation Group, please visit here.

Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.