Best UK Equity and Bond Funds #oeics, #unit #trusts, #fund #prices,


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Welcome to!

You have been redirected here from as we are merging our websites to provide you with a one-stop shop for all your investment research needs.

Get Started: To search for a security, type the name or ticker in the search box at the top of the page and select from the dropdown results.

Registered Hemscott users can log in to Morningstar using the same login details. Similarly, if you are a Hemscott Premium user, you now have a Morningstar Premium account which you can access using the same login details. contains data, news and research on shares and funds, unique commentary and independent Morningstar research on a broad range of investment products, and portfolio and asset allocation tools to help make better investing decisions.

For more information:

  • Find out more about Morningstar and the website
  • Read our top tips for getting the most out of
  • Locate your usual features on
  • See a comprehensive list of features
  • Check the answers to FAQs
  • Contact website support

Don’t show me this message again


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Closing Cost Calculator, refinance home no closing cost.#Refinance #home #no #closing


Closing Cost Calculator

Buying a home? Expect to find mortgage fees and closing costs. You’re going to pay. A lot. But how? What’s the best way? Pay them all now. or a little bit at a time? Are you really always better off paying them out of pocket today? What are my options, and how will they work out for me?

For FHA or VA borrowers, upfront costs like the first year’s mortgage insurance premium or funding fee can be included in the loan amount. In all cases, though, the question remains: “Is it better to pay closing costs and fees out of pocket, finance them into the loan amount, or trade them for a higher interest rate?” There’s no one simple answer, since each choice has its own benefits and total costs over time. One may be more or less expensive depending upon how long you’ll hold onto the mortgage. And yes, even a “no-cost” mortgage choice will have costs!

You can’t escape running into the puzzle of proper “asset allocation.” You’ll need to decide how best to use your limited funds to cover a down payment and the fees and costs associated with getting your new mortgage. Even if all three methods aren’t available to you, you’ll usually need to compare at least two options.’s FeePay BestWay calculator will allow you to run the numbers for a t raditional method of paying those costs out-of-pocket against h igher loan balance or even no-cost choices to help you see how the costs of each will work for you over time. Fill in the information once and compare the costs or savings the other choices might bring.

The Traditional Method calculator assumes you pay the closing costs out of pocket today. We assume that typical fees will be approximately 2 points (2 percent of the loan amount) but if they are more or less you can change it; just type the expected total dollar amount into the yellow box.

In a Traditional method, you pay the fees once, and then they are gone.

The Higher Loan Balance calculation uses the Estimated Costs you plugged into the Traditional calculator, and adds them into the outstanding loan balance. If you are an FHA borrower, you should add in your up-front mortgage insurance premium (MIP) in the space provided in this calculator. If you are a veteran borrowing a VA-backed loan and will be financing all or part of the VA funding fee, make sure you add that cost here to get the most accurate results.. A larger loan balance will raise your Loan-to-Value (LTV) ratio, and may affect the cost of or require you to obtain mortgage insurance, so you’ll need to consider this cost if it applies to your situation.

Since you are financing the costs, you’ll not only pay them but also interest on them. However, you are only paying them a little at a time, and depending upon how long you remain in the mortgage, they may cost you more or less than if you paid them right up front, as you would have using the traditional method.

A “No-Cost” offer might be your best bet if you don’t have cash to spend or available equity to commit toward your costs. Your loan will have a slightly higher than market interest rate, so your income will need to be sufficient to be able to handle the higher rate. If it isn’t, this higher rate can lower the amount of the mortgage you can qualify for, and that might disturb your purchasing plans.We assume that the interest rate available for a “no-cost” mortgage will be a half-percentage point higher than if you had paid the fees. If a lender offers you something different, you can change the information in the yellow box, then re-calculate the results.

In effect, since the whole amount of your loan will be exposed to this “higher-than-market” interest rate, this choice may cost you more over the long haul. If you’re not planning on being in the mortgage for the entire term, this choice may work better for you, so run the numbers to see.

Below the initial calculations, we’ve provided some examples of your costs over time, including the interest cost and the remaining loan balance after a given period of time. This way, you can see what those costs will be at varying intervals. You might find, for example, that relative to your time frame, incorporating the fees into the interest rate might mean they cost you less in interest over a given period than the amount you might have paid out-of-pocket up front.

Before you add in your actual numbers, we suggest that you use the following example in order to make it easier to follow the discussion of savings comparisons below. Use a $100,000 loan amount, a 4% interest rate and a 30-year term, press calculate, then read the example results below the calculator.

Tip: Check current mortgage rates to make sure you are getting the best deal on your mortgage. To learn more about homebuying, mortgage qualification and more, visit our library.

The Blue , Green and Orange displays above will allow you to see if paying or financing the costs of your loan works out for you over given time horizons. When you pay the fees up front, your interest charges will of course be lower over time compared with the other choices. but over how much time?

Note: you might not have all three choices available to you.

Let’s say that after a year Traditional method has seen you spend a total of $3968 in interest cost. Over the same time, the Higher Loan Balance (HLB) interest cost is $4047, while the “No Cost” option has seen you pay $4467.

If you should suddenly sell your home after a year, your actual cost for the Traditional finance method would include the $3968 in interest, plus an additional $2000 in closing costs for a total of $5968, while the other choices would have cost $4047 and $4467 respectively, so you would have been better off with one of them.

Factoring in the differences in remaining loan balances does change the equation, though. At the end of the 12-month period you still owe $1965 more on the HLB than the traditional refinance, bringing the total of your HLB refinance to $6012, just slightly more than the paid-up-front choice.

However, building those costs into the interest rate means your “no-cost” choice has seen you spend $4467 in interest, plus the $148 differential in remaining balance

– so the total cost after 12 months is only $4615, a clear winner. but only over this very short time horizon.

These relationships change over time, however. After 10 years, you’ve spent a lot more in interest charges in the “no-cost” method than you would have if you chose to pay costs or build them into the loan amount.

All this said, in order to determine what your best choice will be over time, you’ll need to compare both interest costs and remaining balances among the various methods.


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Online Marketing System and Internet Marketing Tips #online #marketing #system, #lead


Create Unlimited Ad Co-ops!
The founder of has been putting together company specific lead generation campaigns for years. Now you have the exact tools and knowledge to run your very own co-ops. Create as many different co-ops as you want. Each with it’s own participant list. This is how heavy hitters earn big checks quickly. Are you ready to step up and start organizing these co-ops so you can be a heavy hitter too?

Your Ad Co-op System includes:

  • Create unlimited co-ops
  • Unique Participants for each co-op
  • Hits/Leads/Conversion Tracking
  • Easy Set-up

Publish Unlimited Articles
Your MyiSystem includes an easy-to use article creator. Simply type the article title, a short summary and your content and click one button and your article is automatically displayed on ALL of your Online Profile Pages. Create search engine friendly articles in no time to help your site get ranked according to YOUR search terms.

Your Article Creator includes:

  • Create as many articles as you wish
  • Search Engine Friendly pages
  • Easily build optimized pages
  • Easy to use content editor
  • Easily insert YouTube code
  • Easily add images and links

Start Generating Leads Immediately
Are you ready to get a flood of new traffic to all of your new capture pages? We’ve got over 80 videos that show you EXACTLY how to get loads of traffic. All FREE! We’ve combined top-notch training with ALL of the necessary tools for YOU to succeed in ANY company!

Your Traffic Training Videos include:

  • How to generate loads of traffic – free!
  • How to use social networking sites
  • How to create and market your own video
  • How to set up and market a blog
  • And much, much more!


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VA Loan Documents: Checklist for VA Mortgage Loans #va #funding #fee,


VA Mortgage Documents Checklist

In addition to your DD214 or Statement of Service and your Certificate of Eligibility. your lender will require several personal documents in order to process and underwrite your VAMortgage. Typically these include the following personal documents for all borrowers:

  • W-2 Statements for the past two years from all employers
  • Most recent pay stubs or LES covering one full month
  • Most recent bank and asset statements covering two full months
  • Copy of your drivers license or military ID and social security card

Other required items, if applicable to your personal situation, will include the following:

  • 1099 s for retirement income and a recent retirement statement
  • Social Security Awards Letter or current statement
  • Child support orders and/or divorce decree to document child support or alimony received
  • All schedules and discharge paperwork for any bankruptcies filed in the past 7 years

Every Veteran borrower is unique and may require additional documentation specific to their situations. The best thing to do is to fill out the Pre-Qualification Form. and a VA Specialist will contact you to pre-qualify you. They will be able to provide you with a documents checklist specific to you and your individual profile.

Get VA Loan Help

Have a Specialist Contact You

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Closing a Credit Card Can Hurt Your Credit Score #closing #accounts,


Closing a Credit Card Can Hurt Your Credit Score

Dear VNO,

Closing an account causes your overall utilization rate to increase. As a result, your credit scores may decrease.

Your utilization rate is also called your balance-to-limit ratio. To calculate it, add up all of your credit card balances and then add up all of your credit limits. Divide the total balances by the total limits.

When you close an account it causes your total balances to be a higher percentage of your total credit limits, which is a sign of risk.

Generally, the lower your utilization rate, the better.

If you are planning to make a major credit purchase in the next three to six months and you don’t have excellent scores, it’s best to leave the account open. However, while your credit scores will likely be impacted for a time, it still might be a good idea to close the account if you are not planning to apply for credit.

Your credit scores should not be the only factor in your decision. If you are having difficulty managing debt you already owe and are tempted to use the card, consider closing it so that you won’t take on more debt. And, a good way to off-set the impact of closing the account is to pay down the balances on your remaining cards.

A good way to get an idea of what is contributing to your credit score is to purchase your Vantage score. It is a small investment that will help you understand how lenders would likely view your credit risk. The score will come with a list of factors that explain what from your credit report is currently affecting your credit score.

The factors are the key to unlocking what you need to do to improve your creditworthiness over time, which will be reflected in better credit scores.

Thanks for asking.
The Ask Experian team

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

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Lead management software for sales people – You Don – t


Most businesses do not need a tool to manage their customers,
they need a tool to turn their prospects INTO customers!

Why ?

Standard CRM software slows down your sales by wasting time filling in ‘paperwork’, diverting you from your primary goal: acquiring new customers !

You have to go through the process of creating a sales log including company name, contact details, and to do steps, and finally add your lead.

Our solution

It’s all about leads. Copy & paste information from a spreadsheet or upload a business card. That’s it! You have a lead, you can start working.

You Don’t Need a CRM! keeps you in touch with your prospects at the key moments of the customer relation process. taking away the risk of missing an important opportunity!

For Who?

You Don’t Need a CRM is the perfect match for small businesses ranging from 1 to 200 employees that need a pro-active sales approach to turn leads into deals .

SMBs enjoy our cloud solution. No need to install software on a computer, no maintenance, everything is accessed through the browser. It’s fast, easy and secure. It’s SaaS!

Need to convince your boss to use You Don t Need a CRM.

Print this PDF and go ahead to their office!

Features to boost your sales skills

Start from a Prospecting List

Filling in forms can be tiring and painful. With our solution, you can easily import from any Excel/CSV File and start working on the contacts right away inside our prospecting list. Once a suspect turns out to be of interest, turn it into a Lead in one click. This is great when compiling a cold calling list or qualifying a marketing database. Never waste time with Spreadsheets again – turn your Leads into Deals!

Or with a business card.

You’re away from the office, networking, receiving business cards here and there. You just met a potential customer, take a picture of their card with our mobile application and it will be turned into a lead with all you need to know: company name, contact details. All you had to do was take a picture!

Never lose a lead with automatic alerts

Before the closing, leads have only two status options: either the ‘you have something to do’ ones or the ‘you WILL have something to do’ ones. It’s that simple! Each time you act on a lead, you log it and set your reminder for your next action. When that time comes, the lead shows up automatically at the top of your to-do list and in your synchronized calendar (Google Calendar, iCal, Outlook. )

Customize your sales process

With You Don’t Need a CRM! you define each step of your sales process or your sales funnel. new prospect, contacted, trial, negotiating, closing. You customize the steps according to your needs and you manage your pipeline in a clear and efficient way.

Get leads from your website

Connecting your website’s contact form to You Don’t Need a CRM! is as easy as sending an email. Whether it’s a request for information, a demo or a quote, you can turn it directly to a lead inside You Don’t Need a CRM. Once again, you never lose a lead!

There is a life after “won”

You’ve just won a lead. Congrats! But what are you going to do now? There is often a specific need for a follow up after a deal has been won.

Create a Follow-up with specific tasks or use a predefined template with regular tasks and then assign it to anyone within your team. You can even set reminders for future tasks in order not to forget to get back to your clients at the right time. It’s Project Management made easy!

Go mobile

Whether you use Mac or Pc, iOS or Android, tablet or desktop, Surface or iPad You Don’t Need a CRM! will adapt to your screen and provide you the best experience with your terminal. With our mobile version you will be able to scan a business card on the way, call your prospects. log your activity or help your team.

Google Apps for Work and third party apps

Are you using Google Apps for your business? That’s great as You Don’t Need a CRM! is a SaaS software connected to Google Apps for Work. It gives you access to Single Sign On, instant Google Calendar synchronization and import of your contacts. But that’s not all, we’re also connected to hundreds of third party apps like FreshBooks, Mailchimp, QuickBooks, Slack, Wufoo through Zapier, our API or direct integration.

Collaboration and team management

You Don’t Need a CRM! is a great tool for one person, but it is even better for a team. Our features emphasize team-work, you can share contact lists, messages, comments. and get help with leads. With its state-of-the-art collaborative features, its daily summary and its statistics, You Don’t Need a CRM! facilitates team work and helps you become a better company.

All I ve ever wanted was a program to track leads without all the over-complication of a full CRM. YDNACRM was the perfect solution. I finally found what I was looking for.

Quentin McNabb Sales, Motion View Software

Simple, powerful and effective.

Helps you to manage your sales team without the endless fields to be fulfilled like in the others tools available in the market. Gives your team more free time to do what really matters: find new sales opportunities.

Eduardo Biasi Sales Manager, Fly Link Telecom

You Don t Need a CRM is a very simple yet effective tool. I was really impressed how the claim was taken into action. I can totally recommend it to all SMBs.

Roman Walther Digital Marketing Advisor

Great and affordable app

I have a small retail business so I needed a system to manage my leads without running out on budget. Now I have more than 1 year using YDNCRM and I find it very helpful, plus the team provides ongoing support and training. I highly recommend this system if you have small to medium sales teams and don t want to spend weeks on the set up.

Uzziel Sanchez Director, CWCuitlahuac

We switched from a CRM/Project Management app to You Don t Need a CRM and we love it. The sales guy says almost everyday: I love YDNCRM . The interface is simple and sensible, so we were able to use it immediately with very little training.

Lura Frazey Manager, Steve Locke Construction

Great tool, simple and powerful

It s so easy to use: no need to fill in any database. Just add your own email address in bcc so that you create a lead when you mail a contact, or even scan a card with the mobile app. Tasks reminders are fully integrated in Google Calendar so you can drive your prospection with the tool and track any contact. That s a tool I use and enjoy every day!

Frédéric Le Compagnon Head of Agency, Opus MI


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