AIA Chiangmai http://www.aiachiangmai.com American International Assurance Fri, 25 Jul 2008 15:13:30 +0000 http://backend.userland.com/rss092 en How Much Should You Borrow There's little doubt that we're borrowing more and there's also little doubt that credit is one of the great conveniences of modern life. That said, like Goldilocks you want to borrow the amount that's just right -- and no more.

So what's the right level of debt?

The loan qualifi...]]> http://www.aiachiangmai.com/2008/07/25/how-much-should-you-borrow/ Home Buying Process Buying a home is a very big investment for most people. It's a big decision to make. A booming real estate market and easy availability of finances is making this dream come true for many people. Owning a home is not just a good investment, but it also offers other advantages such as tax savings...]]> http://www.aiachiangmai.com/2008/07/22/home-buying-process/ Taking Control of your Finances To find money to invest for your future, you need to make sure that your outgoing expenses are less than the income that you are receiving. You need to develop an excess that you can have free to invest.

Now before you start to think."well I don't have any excess leftif I was earning more...]]> http://www.aiachiangmai.com/2008/07/19/taking-control-of-your-finances/ Money Matters-Things Banks & Other Lenders Won’t Tell You Everyday people go to the bank with a loan request written on the back of a napkin and end up getting denied for a loan. Ever wondered why? The obvious reason is they are not qualified for the loan because of a lack of employment, insufficient income, too much debt, poor credit, no previous credi...]]> http://www.aiachiangmai.com/2008/07/16/money-matters-things-banks-other-lenders-wont-tell-you/ Are You Too Young to Buy a Home The stereotype of the twenty-something single is a small apartment with roommates and lots of those cups of noodles. The young twenty-something couple often is thought to live in a small, affordable rental with hand-me-down furniture.

However, that isn't the case anymore. An increasing num...]]> http://www.aiachiangmai.com/2008/07/13/are-you-too-young-to-buy-a-home/ What Loan to Get There are many kinds of financial tools out there to incorporate into your financial portfolio. You might consider stocks or bonds or even your bank account as potential investments. But your financial portfolio also includes such things as insurance and estate planning.

Do you ever stop to...]]> http://www.aiachiangmai.com/2008/07/10/what-loan-to-get/ CD Rates Certificates of deposits (CD) are short to medium-term debt instruments issued generally by commercial banks and other financial institutions to investors. These deposits are issues by the banks in any denomination. Investors will lend money to the institutions for a certain amount of time in whi...]]> http://www.aiachiangmai.com/2008/07/07/cd-rates/ Do your Budgeting with Targeted Bank Accounts A lot of people hate budgeting, or just plain refuse to budget, thinking it unpleasant and restrictive. Actually a good financial plan, including a budget, puts you in control of your finances, rather than the other way around.

The first step is the hardest: figuring out what you spend ever...]]> http://www.aiachiangmai.com/2008/07/04/do-your-budgeting-with-targeted-bank-accounts/ What is an Unsecured Loan An unsecured loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments.

The amount you are able to borrow can start from as little as ...]]> http://www.aiachiangmai.com/2008/07/01/what-is-an-unsecured-loan/ Rent to Own Lease Option Your New Florida Home Scam Alert - Part 9 Pablo and Arlene of Orlando, Florida, thought they had found the perfect home and the perfect opportunity to own their own home.

They desperately wanted out of the rental rat race.

And they needed to move quickly.

To get the keys to their new dream home, they had to come up with...]]> http://www.aiachiangmai.com/2008/06/28/rent-to-own-lease-option-your-new-florida-home-scam-alert-part-9/ Sell Annuity Payment An annuity is an asset that offers a definite cycle of payments in the future in exchange for an immediate sum of money. An annuity maybe purchased to facilitate an immediate or deferred payout and could be of a fixed or variable investment type. An annuity may be self-purchased, a gift or even a...]]> http://www.aiachiangmai.com/2008/06/25/sell-annuity-payment/ Can Annuities Help You Are you beginning to think about you're financial stability for you and you're partner's future? Perhaps you're beginning to wonder just how you can support yourself during your retirement years? If so, then perhaps it's time you took at a look at annuities and see if they are the answer to ...]]> http://www.aiachiangmai.com/2008/06/22/can-annuities-help-you/ Bonds Explained The bond market always seems so confusing to almost everyone. It does look to be upside down. Why is it so?

When an investor buys a bond that matures in 20 years he plunks down his cash, say $10,000, and each quarter (or annually or as agreed) the bond issuer sends him a check for the...]]> http://www.aiachiangmai.com/2008/06/19/bonds-explained/ Some Loan Application Tips When applying for a loan, one may face the dilemma of determining just how much money one intends to borrow. Applying for a loan is an act that needed planning. It is never done spontaneously.

One of the preparations that a loan applicant must do is to determine just how much he intends to ...]]> http://www.aiachiangmai.com/2008/06/16/some-loan-application-tips/ 10 Money-Saving Tips 1. If you have your haircut every 3 weeks, try going 4 or 5 weeks in between haircuts. If you pay $10 for a haircut, you could save $70 a year by having a cut every 5 weeks instead of 3.

2. Buy only generic basic types of cold cereal, if your family must have it. With fall and cooler w...]]> http://www.aiachiangmai.com/2008/06/13/10-money-saving-tips/