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Homeowner Loans
Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.

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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! The Taxation People, are a forward thinking online accountancy service that specialise in helping people who might be eligible for a tax refund. They offer a online service, with a simple and easy to follow process that will get you the refund you are entitled to. I would urge you to check out The Taxation People, where if you have been or are currently employed The Taxation People can help you get a Tax Refund. The Taxation People are a trading name of Greer & Taylor LLP a respected and trusted accountancy service provider who offers a number of online services. Initially they are only offering the Tax Refund service that can be found at www.thetaxationpeople.com, but Greer & Taylor LLP are about to lauch a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

With interest rates at 40 year lows it seems difficult to find fixed income investments with high yields. Money Market funds are paying investors about 1.4% and Commercial Paper is only yielding 2.3%. For those willing to commit their capital for longer periods of time, a 5 Year Corporate Bond yields about 5%.

How does an investor find a good, high yielding, fixed income investment without taking too much financial risk? Many investors are looking into bonds issued by privately held companies that have strong balance sheets. Unlike fixed income investments that trade publicly, privately held bonds do not trade and therefore do not go down in value when interest rates rise. In addition, private companies do not have Standard & Poors ratings and therefore must offer investors a higher yield to attract their capital. In many cases, private companies that issue high yield bonds are not willing to sell equity because they believe the company will be worth more money in the future and would rather pay a high yield to investors than an equity stake in the company. This fact alone is a good sign for investors looking for an alternative fixed income investment to publicly traded bonds.

As an example, Global Financial Credit, LLC (http://www.glofin.com) is issuing a private placement of 3 Year Notes with a 12% Coupon that pay interest quarterly. A $100,000 investment will yield $12,000 per year of income or $4,000 every three months. The company has been profitable in every year for the last 3 years and management is not willing to sell equity in the company. This is an excellent situation for fixed income investors to pursue because the fact that management will not sell an equity portion of the company is exactly the reason a debt investor should be interested in the high yielding fixed income investments they are issuing.

If you are an income oriented investor it is important to consider each investment carefully and diversify your investments to minimize risk. Although there are very few high yielding investments available in the public markets, with a little digging and research fixed income investors can find much higher yielding securities in the private market without taking on more risk.