Thursday, 26 February 2015

Tips on Handling Money Wisely from Cathford Group Credit Inc.

Remember that movie with Will Smith in it: The Pursuit of Happyness? Many of us can relate with the feeling the character had in being jobless and penniless. The sense of powerlessness can be totally depressing and energy-sucking. On the other hand, people who have no money shortage tend to be sociable, confident and level-headed, as opposed to commonly lonely, diffident and irritable "poor" souls. This holds true in many cases that we know, if not from personal experience, at least from our close relations.

The National Foundation for Credit Counselling in the US did a survey which showed that almost 80% of people claim they lose sleep from money problems over other issues such as their marriages, kids or job security. It seems, therefore, that those many sleepless people in our midst comprise a big bulk of unhappy families.

In general, we agree that genuine happiness does not come from our material possessions but in the intangible things that truly matter in life. However, being able to handle money wisely can add much to the level of contentment and confidence that people have in life.

Understanding the principles that govern the dynamics of money would greatly enhance our capacity to maintain a meaningful and comfortable life. But handling money requires knowing several powerful tips you can learn to develop, namely:

Unlearn bad habits through the power of self-forgiveness. Habits have a great influence on how we control money. Our early home-and-school training somehow predetermined our ability to make money work for us. Many keep falling into the financial trap of overspending or borrowing to purchase lavish stuff because we learned it from someone close to us or someone we know in the past. Once it becomes a hardened habit, we will find it hard to escape the vicious cycle.

What to do then? Forgiving yourself for your failures is the way suggested toward reversing this trend in your life. It is the proper way of dealing with the guilt that emanates from the bad habit. Sacrificing instead of always looking for the easy way out can break that cycle of emotional and financial slavery to your weaknesses.

Know how you behave with respect to money. Our early years, especially our formal education, molded the way we think and act in relation to other people and material things. Even the kind of music we listen to, sing or download online is controlled by the upbringing we had as well as the environment we lived or live in.

Getting to know how you handle money will help you understand yourself more. With a clearer appreciation of how money affects you, you can learn to control you tendencies in order to benefit you financially. Perhaps, some of your habits or patterns of spending and borrowing can be traced to past experiences which were stressful. Knowing that you now have enough experience to control your emotions, you can then adjust and create a better way of handling money so that you do not end up in the same rut as before.

Knowing yourself, as the wise Marcus Aurelius said, is the key to defeating the worst enemy you have, which is often no one else but yourself. "Conquering yourself" should be the better motto to keep from now on.

Seek professional help if nothing else works. A financial counsellor has the experience and ability to help you understand how your financial habits are influenced by your emotional conditions. Possessing positive money habits can be developed as we can see in some cultural environments which engender respect for and skill in handling money beginning in childhood.

Yet, the best way to develop good money habits is learning from those who have the experience of creating wealth – the business-people. They are the ones who spend their whole life making money and making it grow to benefit not just themselves but others. Perhaps, for most people, bad money habits may have come about not just from lack of discipline but lack of appreciation as to what money can do for themselves and to others. Spending money unwisely may have come about because it was earned without effort early in life. Going into business and "making hard money" may be the only way for many of us to finally appreciate the real value of money – not its worth but what is can do to better people's lives.

The feeling of being debt-free can be truly liberating. But it comes with seriously considering the above steps toward setting yourself free of the negative and unproductive thoughts and attitudes we have with respect to money. In the end, happiness does not depend on having so much money; neither are your troubles due to the lack of money. We make ourselves happy by how we deal with what we have and what we do not have.

Sunday, 15 February 2015

Cathford Group Credit Inc.: Prioritizing their Clients' Needs is their Business

Cathford Group Credit Inc. prides itself of its successful run in the lending industry based on its efficient delivery of their clients' actual needs and surpassing their expectations. Prioritizing the needs of their clients and delivering what they hope to attain from the company as well as in their investments is the goal of Cathford Group Credit Group Inc. For this reason, the company has chosen the heart of downtown Chicago as its base of operations in order to foster productive relationships, facilitate efficient solutions and allow open communications.

Cathford believes "the business of lending goes beyond providing loans" and shows it in their corporate culture. The company also relies on the truth of the maxim: "Knowledge is power". The company, therefore, offers a wealth of tools and guidelines on how to establish credit, repay debts and retire with confidence and contentment.

Consider what some of their clients say about their company and service:

"Guys, you are wonderful. I love you! You are prompt, efficient and thorough and, most of all, fast! I salute you for being there for me when I needed you and for showing the true color of professionalism!

"I and my wife reside in a rundown country house with a leaking roof; so we had to raise money to repair it. So overjoyed that you helped us out. Thanks a lot."

Many loan seekers indeed worry about their less-than-perfect credit standing. Cathford Group Credit Inc., however, looks at the bigger picture of an individual's financial status — not only the credit score — in evaluating a loan application. This is for the purpose of making the loan application process convenient and more efficient.

The Cathford Group Credit Inc. provides easy and quick loan access through online application. The steps involved to qualify are as follows:

- Submit your application after which Cathford provides a prompt decision on your eligibility and how much you are qualified to borrow.

- Cathford asks you (applicant) to verify the amount of loan and to accept the loan agreement conditions.

- Upon approval of application, Cathford deposits the money right in your bank account usually by the following business day. In some cases, additional vital info via phone or email will be required prior to final approval of your application.

- You repay the loan consistently in small amortizations. Cathford also allows convenient automatic repayment arrangements to keep you up-to-date on your dues.

Sounds easy and convenient? It is! Not many people are aware that there are companies that provide such facilities, particularly in acquiring personal loans. Considering the common perception of most people with regards to banks and other lending institutions which require tons of documents, time and effort to approve a loan, Cathford's system is a refreshing alternative.

This is what happens in any enterprise where the priority is the clients' needs and not those of the company. Everyone wins!

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Thursday, 12 February 2015

Valuable Tips from Cathford Credit Inc.: The Painless Way to Purchase a House

In the past, communal ownership was the rule and private property was inexistent. The land was not even owned by any person or family but by the unseen spirits. In essence, people believed that the land owned the people. Because we have lost this valuable concept and taken to ourselves the exclusive ownership, control and transfer of real estate, so much has changed and even resulted into adverse use of land, strained relationships and even so much violent conflict which continues today.

Today, our laws provide rights and limitations to such rights to ownership of property. We have come a long way to establishing a sense of order and equity as far as owning and using real estate property is concerned. Hence, every person dreams of owning a house of one's own. That is true even for those who are born into wealthy families and who have already so many houses. Being able to claim and to say to oneself or to others that your name is attached to a property is a powerful thing in almost any context.

But owning a house is not as simple as buying phone or a bicycle. Aside from the price of the property, you have to consider costs for repairs, taxes, unpaid utility bills, perhaps, and so many other pertinent things.

Cathford Group Credit Inc. has several tips to provide home buyers, especially first-timers. Here they are:

1. Get the help of a professional realtor which is the first and most important step of all for it will save the buyer a lot of trouble and unnecessary expense.

2. Get a loan pre-approval by consulting with a Cathford Group Credit Inc. realtor who can refer you to a loan expert or a bank who will furnish you a pre-approval letter. Based on your qualifications, you can get a pre-approval letter which will provide the realtor a way of assessing your options.

3. Be open and honest with your realtor and lender as they will need accurate information regarding your capacity to purchase the property. Filling out forms about your net worth or credit is a vital part of closing the deal and maintaining a viable agreement free of trouble.

4. Ask questions so that you are clear about what you are getting into and what is expected of you. This is the sure way of preventing problems that may arise later on since you did not fully understand or clarify some issues.

5. Let the realtor do the negotiations for you in order to prevent your emotions from encumbering the process. The realtor is there to work for your benefit by getting the best price for the property. Unless you know the job, it is better off letting experts do it.

6. Be aware of the time frame needed in closing the deal since a property may not be in the market for long. Make all communications with your loan adviser, your realtor and the seller as promptly as you could. When deciding whether to buy or not, make the decision within the period given to you or you might lose the opportunity to own the house.

Remember that all the pain and trouble of going through all these steps will be all worth the pleasant and triumphant feeling of entering your new property. Every climb up a mountain always gives that exhilarating experience; so, endure the trouble of reaching that final moment of success.

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Wednesday, 4 February 2015

Cathford Group Credit Inc.: A Different Way of Doing Business

Cathford Group Credit Inc. not only believes in being different for a good reason, it also strives to act in a way as to make people truly believe they can also be different and can overcome common and extraordinary obstacles often put in their way to achieving their precious dreams.

First and foremost, Cathford Group Credit Inc. Tokyo, Japan, believes that every person deserves access to credit in order to provide them opportunities to attain their potentials. Cathford's simple mission as a company then is to "provide easy and convenient ways for consumers to obtain access to the credit they need".

If anyone has a need for a personal loan from $1,000 to $10,000, Cathford Group Credit Inc. can provide it any time it is needed. And it can be done conveniently online from the company's centrally-located office in downtown Chicago. Being a subsidiary of Cash America International, Inc., a NYSE-listed firm (CSH), Cathford has the facility, ability and resources to fulfill its mission and to enhance its delivery of their service to its clients.

Internally, Cathford Group Credit Inc. is a compact, focused and an unabashedly personal company, ready to deliver the best solutions to their clients. The company's capable developers, customer support specialists and other members stand ready to satisfy clients' needs to make the experience of acquiring their loan easy and convenient indeed.

Often loan applications are disregarded or disapproved due to a single criterion, parameter or number. Cathford has transcended this petty decision-making norm by developing a strong decision strategy which takes into account several factors and not just credit score to qualify a loan applicant as well as to customize the loan package to suit the borrower's specific needs.

The simpler the process, the better for everyone concerned. And the less stress involved the better for everyone as well. These are the guiding principles for Cathford. Hence, it strives to offer simple, fast and unencumbered access to funds through online "no hidden fees" policy. The moment we see so many requirements and so many intricate conditions, a warning sign lights up telling us either something fishy is going on or some hidden agenda are present. Not for Cathford, the less complication and the more readily one gets what one needs, the better for the productivity of all concerned.

This may sound naïve and even unbelievable in today's financial norm; but it has been that way for Cathford for years. Don't take our word for it; find out for yourself and call Cathford Group Credit Inc. today.

Monday, 2 February 2015

The Cathford Group Credit Inc: Tips on buying foreclosed homes

RealtyTrace has released a new report last week saying that around 7 million US homeowners who lost their houses are now in a good position to buy again.

Short sales and foreclosures have increased exponentially 7 years ago after the so-called Great Recession and the years of financial crisis. Now, with the economy finally getting its momentum and employment rate increasing, homeowners who got foreclosures could have a good chance in the market again.

According to analysts from The Cathford Group Credit Inc., although the modest estimate of rebuilding a decent credit score  is 7 years, it is possible for  homeowners to recover from their foreclosures in as soon as 3 years. This is good news for owners who lost their properties during the financial crisis of 2007 as they should be able to qualify now for a new loan.

So if you're one of those, here are a few tips to guide you in purchasing a foreclosed house:

- Go online and search for REO (real estate owned by a bank) property listings in your chosen area. The REO tag means that the house has been foreclosed and that it is now put on the market by the lender.

- A foreclosed house come "as is", which means that the buyer will have to shoulder costs for any repairs on the house that might be involved. And there is very little room for negotiation so don't keep your hopes up for any discount.

- Secure a pre-approval letter from your lender even before you start making offers. Oftentimes, buyers would remember to engage a real estate broker first thing, and then forget the all important factor of how to get financing. Keep in mind that banks will almost always require proof of financial capability so this letter is essential -- unless of course you're paying in cash.

The letter should state just how much money you're qualified to borrow depending on your income and credit score, as per the analysis of your lender. This has an added benefit of showing your real estate agent that you're really serious about making a purchase -- an important factor for the agent to choose who to prioritize among his several clients.

- Check recent prices of comparable properties in the area of your choice.

- The Cathford Group Credit Inc. was able to determine a number of markets which are expected to have the most number of prospective buyers.  Areas like Las Vegas that are hit the most during the crisis will now have house prices significantly cheaper for average buyers to afford. But because it is expected that the majority of the market consists of the Baby Boomers and Generation X, areas like Minneapolis, Chicago or Florida will top the lists.