Archive for Gaurav Bhola, MSM
Overcome Home Equity Line of Credit Freeze during the Credit Crunch
In the real estate boom times, home equity lines of credit (HELOC) were as accessible as air. It seemed as if every homeowner had a equity line. It was not uncommon for consumers to open lines of credits with their banks in order to make home renovations, make purchases or pay for college education. [...]
5Dec2008 | Gaurav Bhola, MSM | 2 comments | Continued
Top Ten Personal Budgeting Tips - Video Tutorial
As a former financial advisor, I incorporated personal budgeting for applicable clients as part of their comprehensive financial plan, a key aspect to building and maintaining wealth. The four keys to wealth management are [...]
5Dec2008 | Gaurav Bhola, MSM | 2 comments | Continued
Five Tips on Combating Increasing Credit Card Interest Rates
In the recent past, Congress has been delving into unfair credit practices of credit card companies. These efforts are part of a larger effort by Congress to rein in the abusive practices of card issuers. While Congressional lawmakers debate the issues, there are things you can do to find solace from rising interest rates.
Credit [...]
How You can Save Thousands of Dollars with Open Source Software - Video Tutorial
You can literally save thousands of dollars over your lifetime by using open source software. Here is how you do it. [...]
4Dec2008 | Gaurav Bhola, MSM | 0 comments | Continued
How to Choose the Right Health Insurance Plan - Video Tutorial
How to Choose the Right Health Insurance Plan? - Gaurav Bhola from Garv Financial on Vimeo
TUTORIAL TEXT
Welcome to Garv Financial.
Just a quick reminder, please remember to rate the tutorial five stars at the end.
This is Gaurav Bhola and the tutorial is about the “How to Choose the Right Health Insurance Plan.”
This tutorial covers several things, [...]
What is a Credit Score?
A credit score is the terminal product of a complicated formula that is used by credit reporting agencies to forecast risk for loan lenders and creditors. The credit score is ascertained by using information in your credit report, applications and/or account history.
The primary purpose of the credit evaluation is to determine the timely payment [...]
Top Five Homeowners Insurance Credits
Home insurance has always provided needed protection to homeowners. However, home insurance is not seen by most homeowners as a critical component of their overall financial picture, unless a claim is filed.
As a homeowner, you should evaluate your coverage one to two times annually to see if there are opportunities to save on home [...]
What is Email Marketing? - Video Tutorial
What is Email Marketing? - Gaurav Bhola from Garv Financial on Vimeo.
TUTORIAL TEXT
Welcome to Garv Financial.
Just a quick reminder, please remember to rate the tutorial five stars at the end.
My name is Gaurav Bhola. The tutorial is on “What is Email Marketing? And Benefits of Email Marketing for Business.”
The tutorial explains how email marketing works, [...]
Home Based Business Insurance for Dummies
A home based business reflects the business owner’s time, persistence, and dedication. After nurturing your home based business, you need to protect your investment. It is important to protect what you have toiled over and nurtured with proper business insurance coverage.
Generally, home insurance policies protect up to $2,500 for business equipment. However, these are [...]
How Does Debt Consolidation Work?
Debt consolidation is the process of taking out a singular loan to pay off many other debts. Consolidation is a component of debt management or debt counseling; performed to secure a lower interest rate.
Ultimately, the purpose of performing a debt consolidation is to acquire a fixed interest rate or for the ease of servicing [...]
How Immediate Annuities Work
Single Premium Immediate Annuities (SPIAs) are purchased by an annuitant with a one-time single payment. Once the annuity is annuitized, payments are made once a month to you. The annuity payment starts 30 days from the date of deposit; but payments may be deferred to a subsequent date.
It is crucial to understand what happens when [...]
Top Five Tips for Buying a Home in a Buyer’s Real Estate Market
Home buying in a buyer’s residential real estate market is an important decision to make. There are immense choices in new home, pre-existing home, and foreclosure inventory. Even though housing inventory is high, these 5 tips can help you in your home buying journey:
1. Don’t Time the Market
A lot of potential home buyers are waiting [...]
Why Term Life Insurance is the Best Choice
Buying the right type of life insurance can be a daunting and confusing task. You will get opinions from people on either side on the merits and demerits of buying term life insurance and invest the rest or purchase permanent insurance with cash value. It is my opinion, most circumstances dictate buying term insurance rather [...]
14Nov2008 | Gaurav Bhola, MSM | 5 comments | Continued
What You Need to Know About Auto Loans to Save Thousands
Getting auto loans or car loans are critical for meeting the transportation needs of people. To get from work to home and from point A to point B, you need a car, if public transportation is not feasible.
Unfortunately, most auto buyers treat car financing as an afterthought during the car buying process.
The following tips [...]
What is an IRS Federal Tax Lien?
A tax lien is a lien placed by the government upon real estate property in order to get back owed income tax payments. The United States tax enforcement agency the IRS imposes upon its citizen’s tax liens for delinquent taxes owed on personal or real property due to inability to pay income taxes or other [...]
12Nov2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Exchange Traded Funds Work Part II - Video Tutorial
Benefits of ETF’s
The four main benefits of exchange traded funds, such as advantage over stocks, diversification, the inherent low expense ratios, and tax efficiency.
Diversification
Exchange traded funds are a great way to create [...]
How Exchange Traded Funds Work Part I - Video Tutorial
How Exchange Traded Funds Work Part I - Gaurav Bhola from Garv Financial on Vimeo.
TUTORIAL TEXT
Welcome to Garv Financial. My name is Gaurav Bhola. The tutorial is on “How Exchange Traded Funds Work Part I.”
What is an ETF or Exchange Traded Fund
Exchange traded funds are like mutual funds that trade similarly to stocks. Like stocks, [...]
Thank you Allison and Pete.
I am going to be adding more diverse multimedia to the site in the ...
I finally decided to write a comment on your blog. I just wanted to say good job. I ...