Making the decision to refinance your mortgage is a big step, and while it does have the potential to save you a lot of money over the term of your mortgage – thousands of dollars in some cases – it does come with risks that you should be aware of before making any final decisions.

Below are the benefits and disadvantages of refinancing your mortgage:


  • You get the chance to consolidate your debt with a lower overall rate
  • You can access equity from your home
  • You may get a lower interest rate and save money


  • The penalties associated with refinancing may outweigh the savings
  • When your debts are consolidated, the incentive to pay it down faster diminish

How can you refinance your mortgage?

If you decide, after consulting with a professional financial advisor or mortgage broker, that refinancing your mortgage has more benefits than disadvantages, you can choose one of several ways to carry it out:

  1. Break your current contract, early


If you wanted to get access to a lower rate of interest or access equity from your home, you could consider breaking your mortgage contract early. Your existing contract becomes null and you take on a new one with another lender; a process a qualified mortgage broker can help you with. However, you will likely incur a prepayment penalty from your bank, so it’s important to discuss this with a mortgage expert in detail, to determine whether it would be financially viable.

  1. Add a home equity line of credit (HELOC)


This gives you access to the equity from your home, with a HELOC functioning in a similar manner to a credit card account, but with significantly lower interest rates because it’s a secured loan. Taking money from your HELOC means that you’re responsible for monthly interest-only payments on the outstanding balance, and your existing lender along with a few others, will be able to help you access this line of credit.

  1. Blend and extend your existing mortgage


Blending your existing mortgage rate and any extra money you borrow at current market rates, a ‘blended rate’ might be offered to you by your current lender, but their rates are typically higher, so always seek professional advice before making the decision to do this.

What are the costs associated with refinancing your mortgage?

Depending upon the type of strategy you use to access equity or lower your interest rate, the cost of refinancing your mortgage may vary significantly, and as a lawyer has to change the financing title, legal costs will need to be factored in. That said, if your mortgage balance is greater than $200,000, you might find that a broker and/or lender will cover this cost.

If you decide to break your mortgage mid-term, you will be charged a prepayment penalty from your lender, and if you have a fixed mortgage rate, this amounts to the greater of three months interest or the interest rate differential payment, or IRD. If you have a variable mortgage rate, you’ll simply be required to pay an amount equivalent to three months interest.

For the full lowdown on refinancing your mortgage, schedule a consultation with a licensed mortgage specialist, who will help you assess the pros and cons and guide you towards making the best decision for your individual circumstances.





There are many payment options available today, including cash, debit cards, credit cards, app payment, checks, and many more. Check is not commonly used at present, but people still use it, although they are not as popular as they used to be before. Understanding how to write a check is still a crucial part, and if you have written a check before, perhaps you should check out a guide on How To Fill Out A Check to avoid making any security mistakes. Writing a personal check does not only involve filling out the form correctly, you also need to make sure that you do not leave any room to make changes, in case the check gets lost or stolen.

When You May Be Required To Write A Personal Check: Although the practice of writing personal checks has declined in popularity, there are still situations when you need to use them. Here are some situations where you may need to write a check. You may need to write a check if the institution or the individual that you are paying to does not accept cash, credit card payment, or any other.  If you are paying a large amount of down payment, a check may be the right choice. If the other individual lacks peer-to-peer payment, it will come in handy.

How To Write a Check: When you fill you the check, make sure that you add the date on the top-right and make sure that you write the current date. Without the date, the bank will not be able to deposit or cash the money. On tip here is to write the full year, to avoid fraud in case the check gets lost or stolen. Add the payee name or the company’s name clearly and avoid making even simple errors. While adding the numerical amount, you have to add the exact amount, it can be easy to make mistakes so be careful. And when you spell out the dollar amount, draw a line on the empty space for safety. After filling out the memo line, when you sign it make sure that it matches the signature on your bank account to avoid getting rejected.

Make Sure That You Enter The Check-In The Check Register: Once you have filled the check, make sure to enter the check, in your check register as well. Check registers usually have space on the side for check numbers, dates, transactions, withdrawals, or deposits. Once you have written a check, make sure that you mention it in the register. To enter the check number, you will find it on the top right corner of the check, add the date, then add the name of the payee and any other necessary details. Make sure that you add the right amount in the withdrawal space, and then fill up the running balance.

Void A Check: In situations where you no longer need the check that you have written, you need to void the check. If you have an unchecked check with your signature on it, there can be fraud, so to avoid this, you need to void the check. Voiding a check is simple, you only need to write VOID in large letters over the payee line with a black or blue pen, or you can write it across the check. However, note that a voided check does not guarantee 100% protection against fraud, so take other necessary precautions.

Also if you make any mistakes while writing the check, each bank usually has different rules to fix the errors. If you make any spelling mistakes, you need to void the check and start over. In case you make mistakes on the numerical amount, you can still make changes by writing above it or not to it; however, this mistake can be overlooked as they usually give importance to the word amount.

In this article, we are going to briefly explain what is the Perpetual Income 365 Affiliate Marketing Program.

Perpetual Income 365 is an affiliate training program created by Shawn Josiah – an affiliate marketing millionaire who decided to create this program in order to teach new people in affiliate marketing how the whole system works and what steps need to be undertaken in order to reach financial freedom status.

Shawn has built multiple seven-figure businesses in the past years and he decided to funnel his knowledge to help as many people as possible to gain financial independence.

The team over at has written an extensive review of the Perpetual Income 365 affiliate training program that we suggest to have a look at if you want to make more extensive research on whether to buy or not. 

How Perpetual Income 365 Works

Shawn has gone the extra mile and he built a funnel that any newbie affiliate marketeer can jump in right away and start driving traffic and make money.

Basically, Shawn teaches you how to use the OPL method (other people’s list) to drive traffic to an email marketing funnel. Once the traffic converts to signups to the email marketing list, the funnel automagically starts to send a mix of informative and promotional emails.

Whenever someone buys from that list, you make a commission.

So essentially the only thing you need to do is use the method Shawn teaches you to drive traffic to its sales funnel and whenever someone (who entered the funnel) buys something, you make a commission.

How Cool Is That?

Perpetual income 365 training program is designed exclusively for newbies who are looking to enter the affiliate marketing space. If you have any kind of experience, then this program might not be suitable for you.

If you are looking for ways to jump in the affiliate program sphere though, then you should purchase this training and its pre-made email marketing funnels right away. It might be the best investment you’ve made in your life.

Again, I do recommend reading the full review from ClixsenseSuccess if you want to learn in-depth what this training program is all about. 

It is even known as “prop trading,” that offers higher level of potential of earnings very much in career rather than the jobs such as investment banking and also the private equity. This is arguably merit-based industry in the finance department: if you will make abundance dollars for the firm, you will also earn a significant part of the percentage.

The Proprietary Forex funded account usually refers to the financial firm and also the commercial bank which invests for the direct market to attain instead of simply earning the commission dollars through trading on the behalf of clients. In the proprietary trading Forex funded accountyou don’t have to risk your capital and the great thing is that may involve trading of the stocks, bonds as well as commodities, currencies along with different instruments.

With a forex funded account you will be able to trade capital of the prop firm, like Forex Traders UK, meaning that you will be able to double your capital each time whenever you will hit the breakthrough.

The Proprietary Trading usually occurs when the bank or when the firm usually trades stocks, bonds, derivatives, commodities as well as different kind of the financial instruments in their own account, by using the money rather than using the money of client. The best thing is that you don’t need to have experience or money to get started with this kind of trading account. This allows the firm to earn complete profits from the trade instead than only the commission that it receives from the processing of trades for the clients.

The Prop traders use different kind of the strategies like merger arbitrage, global macro-trading, index arbitrage, volatility arbitrage for maximizing the returns. The Proprietary trading account has to access the much sophisticated software with the pool of information to assist and make some critical decisions.

Want to know more about prop firm Forex Traders UK? Open a Forex funded account and start prop trading now.

When it comes to online trading, there are currently many online trading firms that are claiming to provide such services. However, there is hardly any online trading brokerage that has managed to live up to the claims that they tend to make.

OrbitGTM is an online trading brokerage that is trying to make a difference with the services it is providing whether trading instruments, tools, account types, facilities, benefits, and much more. So I’m going to share OrbitGTM Review with as much information as possible so you get to learn about the platform.

Online Trading Accounts Offered by OrbitGTM

OrbitGTM is known for providing investors with a vast variety trading accounts. So it is completely up to the investors which trading account they would want to go for if they wish to start trading. There are currently 6 different types of trading accounts offered by OrbitGTM and they include Bronze, Silver, Gold, Platinum, Diamond, and VIP accounts.

If one wishes to acquire a trading account through OrbitGTM, the minimum deposit required is €500. Once the investors have an account, they can acquire services such as full education center, private education sessions, savings account, weekly trading sessions, and services through chief account analyst.

Trading Instruments Offered by OrbitGTM

At present, majority of the online trading platforms are known for providing only a single trading instrument. Doing this limits the options that the investors have when investing in online trades. On the other hand, OrbitGTM offers investors with the most traded instruments such as Forex, Commodities, Cryptocurrencies, Stocks, Bonds, and Indices.

No matter the trading instrument the investors choose at OrbitGTM, they are provided with full support by the real-time teams at the brokerage. Furthermore, investors are provided with state of the art trading tools, services, benefits, and all the required information they need to keep their head straight and thrive in the trading markets.

Education System Provided by OrbitGTM

The most remarkable thing about being a part of OrbitGTM is that it offers investors with an education system that is intended to empower and share all the knowledge with them so they can make their own business decisions.

At present, OrbitGTM has provided investors with content such as learning ebooks& videos that the investors can view in order to gain experience from expert traders/analysts from their trading activities.

In addition to the above, the investors are provided with content such as trading news, trading charts, economic calendar, ico-calendar, risk management, and trader’s glossary. All of the content is available in order to facilitate the investors to provide them with all the information and knowledge around online trades and markets.

Deposits and Withdrawals

At OrbitGTM, the investors are not bombarded with numerous options for making deposits. Things are kept very simple at OrbitGTM, and this is the reason investors are provided with two main options for making deposits. The first option is making a deposit via bank wire and the second option is doing it via debit/credit card. The minimum deposit requirement at OrbitGTM is €500.

As for the withdrawals, the investors can go ahead and request a withdrawal using the same methods they use for making a deposit. At OrbitGTM, the minimum withdrawal amount requirement is €100.

KYC and AML Policies

OrbitGTM is a fully regulated online trading brokerage, which means it is fully adherent to the major regulations such as Know-Your-Customer (KYC) and Anti-Money Laundering (AML) policies.OrbitGTM constantly updates the personal identification information of the investors under the KYC regulation. Furthermore, it also monitors and reports any transactions that are of high risk and may end up becoming an illicit transaction keeping terrorist funding or criminal activities in mind.

Customer Support at OrbitGTM

At OrbitGTM, the real-time support is 24/7, which means that no matter the time, the investors can always count on the support from OrbitGTM’s dedicated and professional customer support team. The investors can either reach out to them via phone or via email.

The world is in crisis because of the pandemic. Many businesses shut down, and many people lost their job. In this time and age, people should be resourceful to make ends meet. Don’t you know that you can make money online? How to make money online? There are plenty of ways to do so. Some of them are discussed in this article.

Below are the different ways on how to make money from home?

  • Affiliate marketing 

It is one of the common ways to make money online. Many companies let you do affiliate marketing. All you have to do is promote the brands these companies offer, and every time you generate a sale, you will earn a commission. How to do affiliate marketing? You have to create exciting content linking the brands with your unique affiliate link. Once a customer clicks on your link and signs up using your link, you’ll be able to make money.

  • Dropshipping 

It is an online retailing business without having the need to invest in inventory. You can take advantage of online platforms that facilitate dropshipping. Such a platform will connect you to various suppliers across the globe. All you have to do is find a customer, collect the price of the product, purchase them from the supplier at a lower price, and the supplier will ship the product to the client on your behalf.

  • Blogging 

Blogging is one of the excellent ways to make money online. Your goal is to generate traffic to your blog by writing compelling content. If you have a talent for writing, blogging is a great way to generate an endless stream of income. It takes some time to master the art of blogging, but once you master it, you will have enough income not to get a daytime job.


There is a multitude of ways to increase your money in the current year. With the fintech industry, Bitcoin, and other altcoins gaining traction, it’s high time to brush up on your finance handling skills to make the most out of your investments. You don’t need to worry about how much money you make as long as you can handle it appropriately.

PT Unified Trade Indonesia has compiled some tips on how to handle personal finances this 2021:

1. Smart Shopping Practices

First and foremost, you should improve how you distinguish necessities from luxuries. Sometimes, it’s hard to tell your wants from your needs, so you should diligently review your purchases. 

Here are some tips on how to shop smart:

  • Don’t buy things just to post on social media. If you need to select between a cheaper yet unaesthetic and an expensive aesthetic product, you shouldn’t decide based solely on what looks good for Instagram. 
  • Don’t be tempted to buy things in bulk. Stores give discounts on products that are about to expire, so you won’t necessarily save when you buy two bottles unless you have a large household that can consume all of those within your allocated budget.
  • Compare price differences. Make an informed decision based on quality, durability, and price when buying a product.

PT Unified Trade Indonesia review has revealed that smart spending can go a long way in extending your personal finances.

2. Save a Percentage of Your Income for Emergencies

Regardless of how well your business or job is doing now, you should prepare for the future. There is no permanent job or situation, so you have to be ready for untimely incidents. Sometimes, medical incidents or calamities could cause more expenses.

Save 10% of your monthly salary as your emergency fund, and set it aside for a rainy day. However, don’t start saving until you have settled your outstanding balances or in case another global pandemic comes along.

3. Use Money to Make More Money

It’s common knowledge that the wealthy use their funds to invest in ventures to gain more money. You can create an investment portfolio with various stocks and cryptocurrencies. Companies like PT Unified Trade Indonesia specialize in helping individuals with little to no investment experience.

4. Track Your Credit

One of the most common traps is consuming up to your credit card’s limit. As a rule of thumb, you should try to keep your spending to 30% of your overall limit to ensure that you don’t overspend. Aside from that, it would be best if you took note of all the credit.

5. Check for Transaction Fees or Hidden Fees

It would help if you took note of transaction fees or hidden fees when making online purchases. Sometimes, you end up paying more than you save when ordering online, so you should always check the total bill before checking out your digital shopping cart.


Being smart about your finances will open up infinite possibilities. You can future-proof your life and create more opportunities to make more money. Before you spend your next dollar, make sure you are thinking about your emergency funds and needs.

Every business owner or budding entrepreneur always has a dream to expand their operations and take on new responsibilities. This is in line with every business motto, to achieve exponential growth over time. With growth comes the need for room for expansion. This brings us to discuss the best property for your business depending on the nature of your budget and your budget constraints. Indeed, you will need to witness huge Personal Property Returns at the end of the financial year.

Round the clock service

It is difficult to run a business and scout for potential new office space at the same time. Having a commercial realtor comes with the benefit of around the clock service time. This way, you are able to concentrate on running the business efficiently while your search is conducted by a professional, with limited time at your disposal. It is not easy to go through all the property adverts to find the best option.

Getting the agent’s services allows them to filter out some of the properties, only presenting you with the best options to choose from at your convenience. However, do not send the agent out in the field blind. You need to equip them with the necessary information regarding your business needs and other aspects to narrow their search, reducing time wastage on both their part and yours.

Industry Knowledge

As a business owner, your knowledge is usually based on your business without a wider scope covering the real estate industry as a whole. An agent is well vast with knowledge on the real estate business, keeping tabs on both current and future trends in the industry; before getting licensed, agents are subjected to classes for approval by their residential real estate commission depending on their location.

Armed with a vast knowledge of the various properties within the area, agents are the best option when you need to get a quick overview of your business’s current property listings and the best possible options. Agents have all the prerequisite knowledge regarding the prices of the location you may be targeting, comparing them to other possible options in different locations. Commercial realtors are also knowledgeable about the specific requirement of certain businesses. Hence they know some of the facilities and amenities to look out for when finding a new property.

Knowledge of Permits and Regulations

Several buildings and property permits work for different types of properties. An agent is well knowledgeable about all the zoning requirements specific to different locations. When looking for a property, an entrepreneur may overlook some of the regulations due to a lack of knowledge of their implications.

Having a professional agent works well to understand the different requirements needed by authority and meets them effectively. Another thing is the nature of your business and its corresponding relationship to the zoning area. Not all businesses can operate within a given location. For example, it is universally known that you cannot establish a chemical processing plant near a water reservoir or residential neighborhood.

Having an agent who is up to speed on the building codes and building zones is beneficial as it will help you invest in a property that can serve your business without having to cut through all the red tapes in construction laws. It makes no sense to buy a property that you cannot use to generate income for your business.

The ability of realtors to take a keen interest in their client needs is the very first thing that should attract you towards working with them. Their work usually depends on a good review. They tend to give the job they are all in order to get more referrals in the future. You definitely won’t get disappointed if you enlist the services of a well-reviewed agent.

Irrespective of your finance requirements, it is definitely a sound and fair idea to identify a professional and knowledgeable finance broker who would be able to solve your issues related to any sort of finance.   What exactly is his role? He acts as a middleman when it comes to loan application processing and aids in making the entire activity simpler and less of a hassle.  He will offer us the right lender and definitely smart lending solutions.  The broker does the job of evaluation of the client condition and requirement.  The broker firstly understands the reason why a client is taking the loan and accordingly processes the same.

Get to know more and do your complete research about finance broker perth and accordingly take a call with regards to the type of loan you intend taking.  The broker will present you a plethora of products from varied lenders and a professional broker would be able to provide you the best deals based on your criteria.

Personal finance is required by many individuals and if you get in touch with a good and experienced finance broker, he would be able to guide you and get the possible deal.  They help identify your borrowing abilities and needs and will do the groundwork for you and help identify the loan that is best suited to your requirements and circumstances.  It basically implies following the finance processes and managing the entire activity till you are given the loan.

The greater the number of lenders and lending companies he does his research on, the greater are your chances of getting a good lending finance company.  The broker will create a larger umbrella of lending companies and organize the loan in such a manner that you get it at the right time and also at a relatively low rate of interest.   Since they have the requisite knowhow and knowledge and of course the experience when it comes to loans and finance companies, you can be rest assured of getting a good deal. The only negative of going directly to the lending institution is that you may not have had the time and the inquisitiveness to do a thorough research about the lending companies and may end up paying a high rate of interest.  Since the finance brokers are into this line of business, they have a better perspective of the finance company and you would definitely be at a profitable position.

Mis Sold Investment are a claims management business with extensive experience, and countless successful claims.

Our legal experts can help you make a claim if you have been mis-sold a product.

All mis sold investment claims are dealt with on a No Win, No Fee basis. Contact us totally free initial recommendations and we will assist you.

We have returned millions of pounds to hardworking clients who were offered investment items that proved to be entirely inappropriate for their needs. Over the years we’ve developed a stress-free claims procedure and we pride ourselves on guiding our customers to recover with as little hassle as possible.

If you believe you were mis-sold a Stocks and Shares ISA, Investment Bond, System Trust, or other financial investment, get in touch today and we’ll call you back to talk about. You might be due thousands of pounds in payment.

If you have lost cash on a financial investment, you could be due countless pounds in payment if you were mis sold a financial investment by your bank, building society or by a money advisor.

You might have just forgot about the lost cash as part of the risk you took when you invested your money, however it deserves speaking to one of our specialist Claims Managers to see if you could make a claim for settlement.

When we examine whether you have a claim, we think about the advice you were offered at the beginning to comprehend whether it was ideal and if the advisor completely understood your situations and requirements at the time.

We do not take any cash upfront for mis-sold financial investment claims and we only earn money if you win.

We can help you with claims such as:

  • Mis Sold ISA Claims
  • Mis Sold Managed Portfolio Claims
  • Mis SoldWith Earnings Bonds Claims
  • Mis Sold Investment Bonds Claims
  • Mis Sold PEP Claims
  • Mis Sold Open Ended Financial Investment Companies Claims
  • Mis Sold System Trust Claims
  • Mis Sold Capital Protected Bond Claims

For free advice message our specialist financial investment Claims Managers.

How Do I Know I Was Mis Sold an Investment?

It can be difficult to understand if the investment recommendations you were given was ideal or not. One of the very best ways to learn if you were offered bad financial recommendations is by getting free initialadvice from among our skilled Claims Managers. They can inform you quite quickly if you could declare settlement for the cash you lost through your investment.

To get an excellent concept if you were mis-sold a financial product, read through the declarations below and if you agree with any of them, the financial guidance you received could have been poor and you might have been mis offered an investment:

  • My consultant didn’t correctly describe the threats
  • They didn’t tell me just how much money I might lose
  • They didn’t totally explain how the financial investment worked
  • I didn’t understand that I would lose money if I gave up the financial investment early
  • I was not told about the charges related to my investment
  • My advisor didn’t ask what I wanted to attain from the investment
  • My consultant didn’t comprehend my prepare for the cash
  • I had no previous investment experience
  • In addition, you might have been mis offered a financial investment if:
  • You were pressurised into investing your cash
  • You were guaranteed a totally safe financial investment
  • You were directed towards a specific product
  • You were convinced to move your money from one investment to another, appealing better returns.

Whatever your scenario, we can evaluate your position and help you decide if you wish to make a claim for a mis offered