It may be hard to believe, but the new year is right around the corner. There’s no better way to start off the new year than by planning, or at least thinking about, your financial strategies for 2018. Whether you are a first-hand investor or you feel pretty experienced in the matter, determining your strategy for the new year is sure to help you reach your investing goals. We’ve gathered a few of our favorite investments that you should add to your investing strategy in 2018. Max out your 401k or Roth IRA When it comes to investing for your retirement, starting sooner rather than later is always better. Whether or not your employer provides you with a 401k, it is still a good idea to have a retirement account in place. With a 401k, you can contribute up to $18,500 each year, which does not include employer matching. And if you are 50 or older, you can contribute an additional $6,000. If you don’t happen to have a 401k, you can still save for retirement by opening a Roth IRA account. Max contributions for a Roth IRA are $5,500 for a year, and $6,500 if you’re 50 or older. This year, make a goal to max out your 401k or Roth IRA. The more money you can contribute, the better off you’ll be when you near retirement. This may possibly be one of the best decisions you can make this year. Diversify your money The worst mistake you can make with investing is not diversifying your money—investing in a combination of different things: stocks, bonds, short-term investments, etc. Diversification is important as it lowers risk, it allows you to enjoy more benefits from your investments, and it can provide you with more opportunities to maximize your earnings. Invest in Real Estate Real estate is one investment that will continue to increase in value, which means it is one investment you can’t go wrong with making. Real estate can provide you with security, and it can be considered a great long-term investment if you hold onto it for a number of years. It can also be a great form of passive investing if you decide to rent out to individuals. Whether you decide to fix and flip properties or manage rentals, real estate investing can be a very lucrative form of investing. Invest in stocks Investing in stocks is one of the best ways to give your money a chance to grow over the long-term. Many younger people seem to avoid stocks, but you may want to reconsider the option if you are trying to save for a far-off goal such as retirement. In the past 80 years, stocks have returned almost 10% annually, which makes them a fantastic investment. Although the stock market does drop at times, if you ride it out you’ll be better positioned for growth once the market recovers. Pay off your debt You may be wondering why we added this one to the list as it doesn’t seem like a traditional investment. But, did you know that having any type of debt is basically the opposite of having an investment? Plus, holding onto debt can be more costly than investments are profitable. That’s why getting rid of debt is such a great idea, as it will allow you to avoid paying lots and lots of interest. Once you pay off your debt, the payments you would’ve been making on your credit card or loan can be invested instead. That’s a pretty smart investment decision if you ask us! Start 2018 off on the right foot by figuring out your investing strategy now. Let us know in the comments below how you plan to invest your money in the new year. ...read more

We recently updated our list of payday lenders in Las Vegas. While we tend to do a broad update every month in terms of Nevada lenders, this time we decided to focus on companies that fund Las Vegas payday loans. The database has been updated to reflect interest rate changes, loan term lengths as well as updates to fees. A few new companies have been added as well. Check out our recently update list today!http://www.nevadapaydaylenders.com  ...read more

A lot of times with personal assets in the personal business, it’s really hard to define a line between what’s business debt, business asset and what’s personal debt and personal assets. In many cases, bankruptcy should be looked at as a last resort. When it comes to business debt, I think that more small business owners should seek help if they need it. One of the key things for that is we offer a free underwriting process where we can go in and look at your business situation and your debt situation and figure out what your best options for you. In addition to SBA, debt, loans and offer in compromise, we also handle all types of business debt and commercial debt. The only things that we exclude are individuals and personal debt. One of our strengths at Applied Consulting Services is the SBA offer in compromise. This is a type of business restructuring that involves the SBA. What we’re able to do is come in and work through that process with the small business owner and the SBA to help that business owner in some cases, stay in business, and in other cases, do a bit of a compromise with that business being out of business. The offer in compromise process was set up for the purpose of compromising that debt.  If they don’t qualify, they don’t qualify. But, they certainly should come in and see if they do qualify if they’re in a current situation for that and we offer free underwriting for someone in that situation. Sometimes people think that the SBA offers loans. The reality is the SBA does not offer loans, they guarantee loans, which is very similar to the way FHA or the VA guarantees loans in the personal or housing sector. The SBA comes in and guarantees the loans for small business owner. ...read more

North American Foundations, Inc is located in Las Vegas, Nevada. We have been in business for over 14 years. We are a licensed contractor in the state of Nevada and have developed experience and expertise in mobile home permanent structures. Whether you already own a mobile home or are looking to save on a new investment, we're always here to help. Lower your interest rates with the help of our experts, providing you with reliable, HUD /VA/FHA approved services for your foundation conversion. Our mission is to provide the best and safest methods for manufactured and mobile home to real property conversions. Let us give your home the benefits it deserves. Save money and explore the advantages of owning real property. ...read more

We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Consumer Credit Counseling Service 1-888-551-1270. Let us know what you think! Read It Now Here ...read more

If your business sells to other businesses or to any local, state or government entitiy then I would like to ask you two very important questions: 1.Have you ever experienced situations in your business where cash flow is tight while waiting for your customers to pay your invoices? 2.Do you ever find that much if not ALL of your working capital is “tied up” in accounts receivables that will generally be paid within the next 30 to 60 days? If you answered “Yes” to one or both of these questions then there is a good chance that I can help you! My name is Doug Cluff and I work with a company called DB Squared Business Finance. We do accounts receivable factoring for companies just like yours all across the country. Through factoring, we can "unlock" the working capital that is tied up in your accounts receivable. This gives you the freedom to build your business without having to wait for your invoices to be paid. This tool can be especially helpful when dealing with government contracts. Here’s how it works: You sell your outstanding invoices or receivables at a discount to DB Squared. This discount will range between 1 - 5% of the invoice amount. The actual number will be determined by the dollar volume of the invoices you sell, the credit worthiness of your customer, and the length of time it takes your factored invoices to pay. We will pay you 80% – 90% of the total invoice as soon as we receive and validate your invoice. Then, when your customer pays us we release the balance of the funds less the fee. It’s easy, quick and you get your money right away! You’ll have peace of mind knowing that you are in control of your cash flow. Additional benefits of factoring with DB Squared include: •You get immediate cash on approved invoices •There are no monthly minimum requirements •You select accounts for funding on an as needed basis •There are no long term contracts •You’ll have access to FREE credit analysis on new and existing accounts •You don’t have to worry about collecting from your customer •There is no float time on posting customer payments •There is NO application or up-front fees of any kind We work nationwide and with all types of companies. I would be excited to speak with you personally to discuss your needs and to see if you qualify for our program. There is NO Cost and NO Obligation for you to get a FREE proposal. Let me show you how we can improve your cash flow and put more working capital in your hands right away. The process is quick, easy and totally confidential. I look forward to hearing from you so please call me direct at 702-204-877 or toll free at 866-855-3640 or email doug.cluff@dbsquaredinc.com. ...read more

If your business sells to other businesses or any local, state or federal government I would like to ask you2 very important questions: 1)Have you ever experienced situations in your business where cash flow is tight while waiting for your customers to pay your invoices? 2)Do you ever find that much if not ALL of your working capital is “tied up” in accounts receivables that will generally be paid within the next 30 to 60 days? If you answered “Yes” to one or both of these questions then there is a good chance that I can help you! My name is Doug Cluff and I work with a company called DB Squared Business Finance. We do accounts receivable factoring for companies like yours all across the country. Through factoring, we can "unlock" the working capital that is tied up in your accounts receivable. This gives you the freedom to build your business without having to wait for your invoices to be paid. This tool can be especially helpful when dealing with government contracts. Here’s how it works: You sell your outstanding invoices or receivables at a discount to DB Squared. This discount will range between 1 - 5% of the invoice amount. The actual number will be determined by the dollar volume of the invoices you sell, the credit worthiness of your customer, and the length of time it takes your factored invoices to pay. We will pay you 80% – 90% of the total invoice as soon as we receive and validate your invoice. Then, when your customer pays us we release the balance of the funds less the fee. It’s easy, quick and you get your money right away! You’ll have peace of mind knowing that you are in control of your cash flow. Additional benefits of factoring with DB Squared include:  You get immediate cash on approved invoices  There are no monthly minimum requirements  You select accounts for funding on an as needed basis  There are no long term contracts  You’ll have access to FREE credit analysis on new and existing accounts  You don’t have to worry about collecting from your customer  There is no float time on posting customer payments  There is NO application or up-front fees of any kind We work nationwide and with all types of companies. I would be excited to speak with you personally to discuss your needs and to see if you qualify for our program. There is NO Cost and NO Obligation for you to get a FREE proposal. Let me show you how we can improve your cash flow and put more working capital in your hands right away. The process is quick, easy and totally confidential. You may call me directly at 702-204-8722 or toll free 866-855-3640 ...read more

Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company.   Henderson Consumer Credit     Reno Credit Counseling Service     Debt Settlement Nevada     Laughlin Nevada Credit Counseling     Debt Consolidation Nevada     Consumer Credit Carson City     Las Vegas Credit Counseling     Credit Counseling Sparks NV     Credit Card Debt Relief     Loan Modification     Bankruptcy Services     Credit Counseling Virginia City     North Las Vegas Credit Repair     Credit Repair     Lake Tahoe Credit Counseling   ...read more