Business and Financial News

I have spent hours searching online and have come up with zip. If you have bad credit, home loans seem to be out of your reach right now. Any search of sub-prime mortgages, bad credit mortgages, high risk mortgages, home loans for people with bad credit, or bad credit refinance comes up empty these days. But you still might have some options.

Hard money lenders are popping up to take up some of the slack created by the exit of most subprime lenders from the marketplace.

What Is a Hard Money Lender?

A  hard money lender is any person or group of people who has money available for investment, usually in real estate.  The amount of money available varies, and so does the criteria for lending. L

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Virgin plans to launch a range of bank accounts. The anticipated launch of new bank accounts under the Virgin Money brand should help to improve choice for consumers, watchdog Which? has said.

Virgin Money announced today (January 8th) that it has acquired Yeovil-based bank Church House Trust for £12.3m and aims to use it as a platform from which to develop “a retail banking business in the UK, offering a full range of products to consumers”.

Jayne Anne Gadhia, chief executive of Virgin Money, claimed that the reputation of many UK banks had been “tarnished” by the financial crisis.

She said that the new bank would provide “a better, different form of banking to its customers, increasing competition in the sector” and offering “good value to customers”.

Sir Richard Branson, who founded the Virgin group, added that he hoped to bring “simplicity” to the UK’s banking market.

Commenting on the move, Which? Full Article…

A New Jersey doctor has been on residual disability with UNUM for over ten years as a result of a sickness that limited his ability to practice as an obstetrician/gynecologist. The language of his UNUM policy states that if he becomes totally disabled before age 65 because of an Injury, UNUM must pay benefits for the rest of his life.

Almost immediately prior to turning 65 the doctor became totally disabled based upon bi-lateral carpal tunnel syndrome. We immediately notified UNUM that the doctor was unable to perform any of the material and substantial duties of his occupation because he was totally disabled based upon an injury.

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It’s the New Year, and many of us are making resolutions for 2010. My 2010 goals are very similar to last year, but I’ve added some new goals, too:

• Track all my expenses
• Spend $350 a month or less on food
• Put $200 a month in savings
• Try one new recipe each week
• Write every day
• Read every day
• Meet my goal weight of 165
• Practice daily spirituality

The goal of putting more money into savings is going to be a challenge, but it’s a challenge that I am excited to meet.  It will mean slashing our entertainment expenses and keeping our utility costs in check, but I would much rather see our money going into savings than into the coffers of the electric company.

The first book that I am reading for the new year is Dan Brown’s The Lost Symbol. The book has a lot of information in it about the belief that your thoughts can literally effect the outcome of events. Although

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Whether visiting Mexico to celebrate an anniversary, ask your loved one to marry you for the first time or all over again, or as a surprise weekend getaway, there are multiple opportunities for couples to enjoy each other’s company. Depending on time of year, activity preference and location visiting, couples can choose from a variety of indoor and outdoor activities.

Mexico travel gurus strongly suggest you purchase Mexican automobile insurance. before your travel begins. Buying Mexican Insurance online allows you to make sure you get the policy you need at the best possible price. In addition, you can print your policy immediately, so there’s no question as to whether or not youre covered.

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