Sasta Udhara Event
Event on 2012-06-05 13:00:00

Coping with job loss is one of the most stressful things a person can face, particularly in these increasingly challenging economic times. At CredAbility, counselors working with consumers who have lost a job find that taking quick action can mean the difference between a temporary setback and a financial disaster.

"While you might not be able to anticipate being unemployed, you can minimize the financial impact that comes with the loss of a job," said Christina Harrison, a certified credit counselor with CredAbility. If you find yourself suddenly unemployed, CredAbility recommends taking these first steps:

Look into unemployment benefits. If you are unemployed through no fault of your own, you may qualify for unemployment benefits. The U.S. Department of Labor website (www.dol.gov) has helpful information about qualifying and requesting unemployment benefits.

Look for potential sources of additional income. If you have more than one wage earner in your household, look for opportunities to earn additional money through overtime. To help sustain your finances while you look for your next job, consider taking on part-time or seasonal employment-it can provide both extra money and flexibility to go on job interviews. "Contact local temporary agencies," suggests Harrison. "They will match your skills with temporary employment available in your area. Some temporary assignments may also lead to full-time employment opportunities." Other industries that can provide quick employment include retail and food service, where training times are relatively short and schedules are somewhat flexible.

Review your budget. Take a realistic look at your monthly expenses and identify areas that can be reduced or eliminated. Entertainment costs are easiest to eliminate-skip lunches and dinners out and rent movies instead of going to the theater. Review your cable and cell phone plans to see if the cost can be reduced. Consider foregoing them altogether-there may be a fee to cancel a contract, but it will likely be much less expensive than having monthly fees, late fees, and interest building up over time.

Prioritize expenses. After adjusting your budget, if you still can't cover your monthly bills, pay the most important bills first. Your mortgage or rent payment should be the top priority, followed by car payments, insurance premiums and food. Notify your creditors right away if you are unable to make the minimum payments due on credit cards or other revolving credit. You may be able to get your interest rate reduced or your payment plan modified.

Even if you can't make a full payment, Harrison suggests paying something toward the debt. "Deferring or skipping payments increases the debt, extends the life of the debt, and will likely result in quickly mounting fees."

Things to Avoid. Avoid incurring any new debt. Resist the temptation to take cash advances on credit cards or to do business with small loan retailers, many who charge astronomical interest rates on the money they lend. While a home equity loan may help create a temporary cash flow, it has long-term implications and is not recommended. If possible, avoid tapping into retirement accounts or your 401K, as the significant penalties and tax implications may far outweigh the temporary financial benefit.

Seek help. Utilize community resources to help bridge the gap. Emergency assistance for your utility bill may be available, and local food banks can help provide basic necessities. Contact your local United Way (www.unitedway.org) or your local 211 Information and Referral Service (dial 211 or visit www.211.org) for information on emergency services available in your community.

For help getting your finances in order, CredAbility offers free, confidential counseling via telephone at 1-888-771-HOPE (4673) and online at the CredAbility web site.

Plan for the unexpected. Even if you haven't lost a job, it is a good idea to create a savings plan now that will help financially prepare you for any potential life-altering event. Make saving part of your budget, and set aside a portion of your income in a savings account until you have at least 3-6 months living expenses. Work now to reduce and eliminate your debt and strive to maintain a budget that doesn't involve spending more than you make. While it may not take away the pain that comes from losing a job, it can certainly provide peace of mind during a very stressful time.

About CredAbility
CredAbility is a nonprofit, community service agency dedicated to empowering people to achieve a lifetime of economic freedom. CredAbility provides free, confidential budget counseling, community and personal money management education, debt management programs, and comprehensive housing counseling. Contact CredAbility by phone at 1-888-771-HOPE (4673), or visit the Web site.

at Samanabad

Lahore, Pakistan

Property118 Investor Workshop
Event on 2012-07-12 09:00:00

12th July 2012 – Edwin McAlpine Room, British Racing School, Newmarket, CB8 7NU.

• 9.00-10.00 Arrival. Coffee and delegate registration.
• 10-11.30 Kelvin Kingsley
• Coffee
• 12-1.00 Neil Patterson.
• 1.00-2.00 Lunch
• 2-3 Neil Patterson
• Coffee
• 3.30-5.00 Mark Alexander.
• 5.00-6.30 Open questions and networking time.

Delegate cost for the full day's workshop including lunch and Investor Resource Pack is just £450.00+VAT

If you have any questions please call us on 01603 489118 (9-5 Mon-Fri).

Please note that numbers are strictly limited and places are available on a first come first served basis.

What you will get out of the day.

Both portfolio landlords will cover their property history from their very first investment property describing their strategies and the choices they have made in growing successful portfolios covering the highs and lows and giving you an insight into the mind of the successful investor.

Neil Patterson will lead a jargon busting session covering the terminology of financial markets. Learn how banks view you and your property as a potential risk. Learn how to assess the information they will give you and how to compare products and be aware of the questions to ask your broker or bank. You will gain an understanding around the options available to finance your portfolio in a way that fits your needs and circumstances ensuring you are able to make informed decisions.

Kelvin Kingsley; 'The Property Maverick'

After a successful career in electronics and an entrepreneurial career in computing and fast food, Kelvin moved into property investment and development.

Having built a substantial portfolio in Cape Town, South Africa in a 15% interest rate environment his "Value Investing" investment philosophy was born. Returning to the UK in 2003 he built a substantial property portfolio of 40 properties in less than four years using the "Snowball Effect"; before moving onto the development of holiday properties in Turkey.

Following the 'Credit Crunch' in 2009 he increased his portfolio from 40 to 80 properties in less than 3 years. Today he continues to build his portfolio towards the magic 100 and with a vast wealth of knowledge, and experience from investing and developing on three continents he now mentors would be property investors.

Kelvin says "I seek not to tell other investors what they want to hear for my benefit, but what they need to hear and how they need to hear it for their benefit." His current ambition in progress is to write a market leading property investment book.

Mark Alexander. Founder, Property118

Mark became an accidental landlord when he purchased a three bed bungalow in 1989 in which he then couldn't afford to live when interest rates shot up to 15%. Having purchased at the top of the market he couldn't afford to sell due to negative equity.

23 years on and he still owns that property and many others. As Mark says "I've made more mistakes than most people as I've tried pretty much everything and acquired a very large property portfolio as a result. I've had three tenants from hell over the years and plenty others I wasn't particularly fond of when I got to know them but as a result of investing into property I've been financially independent since 2003"

Mark also built the UK's most successful buy to let mortgage brokerage ever, which he retired from in 2009, and having tried most peoples' definition of retirement and got bored of it he then founded Property118.com just over a year ago as an online community for landlords and investors.

Neil Patterson. Partner, Property118

Neil started his financial career at Barclays Bank in 1990 and established a successful career as a fully qualified Mortgage Specialist. In 2003 he followed his passion for property finance and became an associate buy to let consultant with The Money Centre helping thousands of clients and gaining vast experience of the market through their eyes.

Neil eventually took the role of Head of Operations at The Money Centre and is now a Partner in Property118 still working every day to oversee the maintenances of the company's unique buy to let quote generator and offering information to property investment clients.

The Venue

The British Racing School is East Anglia's most unique conference and training venue. It is conveniently situated close to the A14, 12 miles from Cambridge.

The facilities are a little different. As you arrive and travel up the tree lined drive you are likely to pass a string of ex-racehorses being taken out for exercise and the fantastic facilities have a touch of racing history in every room.

Delegate accommodation is available on site at £40 per night payable on arrival. To book a single ensuite room simply contact Lissie Mitchell on 01638 669040

Terms and Conditions of booking.

Payment

In the event of cancellation of your booking up to 4 weeks prior to the event (14th June) you will receive a refund of 50% of the ticket price.

In the event of cancellation within 4 weeks of the event or non-attendance on the day no refund will be made.

VAT is charged at 20% on the ticket price of £450.00.

Personal Possessions

No responsibility can be taken by Property118 for any loss sustained (including theft) of any personal possessions of delegates whilst on the workshop and every care should be taken to safeguard these at all times.

Accommodation

Any delegate booking accommodation does so of their own choice and this does not form a part of the arrangements with Property118.

Cancellation by Property118

Property118 reserve the right to cancel the event for whatever reason at any time at which point all monies will be repaid in full.

Property118 will not be held responsible for any loss incurred as a result of cancellation (other than the return of fees).

at British Racing School
Newmarket
Newmarket, United Kingdom

Loan Officer Program.
Work At Home Make 0,000+yr.
Loan Officer Program.

Mortgage Secrets Exposed – Real Estate.
How Anyone, With Any Credit Can Get Any Mortgage Fast & Easy! Get Any Loan With Bad Credit: Mortgages, Home Loans And More!
Mortgage Secrets Exposed – Real Estate.

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