Self Employed and Looking For A Loan?

Most retirees don’t have a steady stream of income beyond social security. They also want to find something to occupy their time so they may look to start their own business. In some cases, even apply for a loan for start up capital. For several reasons, it will be difficult to get the loan as the applicants need to attach some vital documents such as the document for telling the real income of the applicants. In the procedure in applying for the loan, this document is usually asked by the loan providers and it will be really complex to follow this usual procedure. You should look into a low doc loan that is provided by certain mortgage providers. Low doc home loans are for those who are self employed and are unable to prove their income through traditional means. This is the only way that you can borrow without recent tax returns or financial statements.

As you choose this option of low doc loan, you will not be troubled by the procedure in giving the detail for the income that you have. Though you will not show any document related to the information of your income, you still have a great chance for obtaining the loan from several providers through this special choice for passing through this procedure. It will be easier for those self-employed persons to get the help for obtaining some kind of home loans as they get the deal for this choice and some other supporting thing such as LVR policy. LVR or Loan to Valuation Ratio policy is the usual policy which is given by the loan providers to get the finest appraisal towards the asset that they will lend to the applicants.

With this policy, people are going to find the right appraisal for the loan and somehow they will be able to get the prediction for returning the loan. It is the supporting policy for such loan activity which is useful for the lenders and the loan applicants. If you want to send the application of particular loan, you better learn this kind of policy and it is believed that you can figure out the advantage of using this kind of policy.

Apple App Site Association

Tim Cook Introducing Apple

Using your iPhone to manage your finances can be very useful.  These are 7 of our favorite apps to help make sure you keep your money as your money:

HomeBudget w/ Sync

Price: $19.99

  • Set up credit and debit accounts and track balances.
  • Set a budget and track expenses for different categories and sub-categories.
  • Create trend chart reports for your expenses, budgets and income for the last 12 months.
  • Use “family sync” feature to allow members of the household to exchange information and work together within a single budget.
  • Very visual and lets shared users see information quickly.


Price: Free

  • Set budgets and track your expenses.
  • Set notifications to remind you of upcoming payments or when you’re about to reach a savings goal.
  • If “location services” feature is turned on, app will automatically identify and categorize the venue of your transaction.
  • Save your receipts with each transaction.
  • Export your data to Excel or back it up with iCloud.



Price: Free

  • View all your personal finance accounts on one screen.
  • Categorize your transactions (groceries, bills and utilities).
  • Create your own budgets and adjust them for different expenses.
  • Receive bill reminders and alerts when approaching a budget limit.
  • App provides you with a free credit score.

Mint Bills & Money

Price: Free

  • View all your bills in one place.
  • Set reminders to notify you when bills are due.
  • Pay bills from inside the app with just a few swipes.
  • Sync your bank accounts with the app to track your expenses and divide spending into categories.
  • Use “Triple Layer Security” to ensure sensitive information is kept safe and secure.

Loan Calculator Pro

Price: $0.99

  • Calculate the monthly payment for different types of fixed rate loans, including home mortgage, auto and credit card.
  • Run “what-if” scenarios for adding payments.
  • Receive amortization tables and view a complete payment schedule consisting of the amount, interest, principal and remaining balance for every payment of the loan.


Price: Free

  • App analyzes your income and spending, finding small chunks of money you can put aside.
  • Moves that small chunk of money from your checking account to a “Digit savings” account.
  • Transfer money from Digit savings back to your checking account with a simple text message.
  • App has a “no overdraft guarantee,” promising to never transfer more money to your Digit savings account then you can afford.

Level Money

Price: Free

  • Plan for necessary expenses and set a savings goal.
  • App informs you of the leftover money, dubbed “Spendable” money.
  • App informs you how much “Spendable” money you have spent each month, and how much you have left to spend with a simple graphic.
  • Track and group expenses, month-to-month or annually
  • Create a daily spending guide to help you stay on track.

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