Who Should You Visit for Eye Issues?

Eye specialists aren't all the same. Visiting an optometrist in Monmouth County, NJ and elsewhere, for instance, is different from consulting with opticians. Certain vision ailments require a dedicated specialist, while others do not. As such, it is a good idea to have a basic understanding of when you Read more

Research Shows Mining Sector Employed More Indigenous Australians

Mining projects in Australia have helped in providing people with a source of livelihood, whether by supplying a portable diesel tank or hiring workers. The industry, in particular, has employed more Indigenous Australians since the 1990s, as it has reached to more than 7,000 people by 2011. This Read more

How to Prevent Surgical Site Infections (SSIs)

Some problems may occur even if the surgical protocols and procedures are properly done. One of these problems is the surgical site infection or SSIs. These are considered trouble for they can increase your expenses and cause discomfort on the patient. In the worst cases, it could Read more

Reverse Mortgage Could Be a Good Way to Delay Social Security

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man wearing a suit sitting in a table showing a mortgage loan contract and where the signer must signMany senior citizens in the U.S. have used reverse mortgage programs to delay their claims on Social Security benefits until they reach 70 years old, due to several reasons.

Some advantages of delaying benefit claims include receiving 100% of the primary insurance amount. In some cases, you could even receive up to 132% of the amount at 70 years old, depending on your bright year. However, this strategy does not work well for everyone.

Mortgage Types

A reverse mortgage program functions differently from the regular one since it allows you to borrow funds against the value of your residential property. You can either receive the money as a lump sum, fixed monthly payment, or as a line of credit. The U.S. Department of Housing and Urban Development’s home equity conversion mortgage (HECM) is perhaps the most common type.

If you are already 62 years old and feel confident that you would have enough income sources, an HECM loan serves as an alternative choice with some caveats, including real estate tax and hazard insurance payments.

Qualified Scenarios

A reverse mortgage particularly helps widows and divorcees since they normally have lower Social Security benefits, which makes sense in delaying their claims until 70 years old. In other cases, married couples can adopt this strategy only if they have already understood the financial risks.

Those with little to no savings can also use an HECM loan. Whether or not you intend to take out an HECM loan, senior citizens should first consult with a financial advisor, since a reverse mortgage is a complicated strategy.

While delaying your Social Security to maximize benefits may seem like a good idea, you need to determine your sources of income until your desired age to file claims. In addition, you should use a reverse mortgage when the rewards outweigh the supposed risks.


Facts About Mortgage Rates That You Must Know Before Getting a Loan

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mortgage rates seen on a computer software projected on a screenOne of the most important steps of acquiring a home is securing financing. Once your mortgage is approved, you would be in a position to tell the amount of money that you could spend on a purchase.

Before you start sending loan applications to multiple lenders in Salt Lake City, you must know some important facts about mortgage rates. City Creek Mortgage shares some of them.

Low Interest Doesn’t Always Symbolize a Good Deal

Even credible lenders are in the business for the profits. This only affirms that a low-interest rate does not guarantee the best deal. In most cases, the lender will be compelled to charge higher costs on other dealings. Depending on where the catch is, your finances could be affected in the end. That said; aim at finding a reasonable deal and not necessarily the lowest interest rates.

Fixed and Adjustable Mortgage Rates are Different

Fixed rates offer a deal where your settlements will not change on a monthly basis until your loan is fully repaid. On the other hand, adjustable rates vary depending on the market conditions. Knowing the difference between the two types of rates would p help you make informed decisions before securing a mortgage.

Your Credit Score Matters

Your credit score is among the greatest factors that would affect your chances of getting approved for a loan. While it’s possible to secure financing with a bad credit rating, this often attracts high-interest rates and unforeseen financial problems. There are proven strategies for fixing poor score issues and it is best to consider repairing or improving your credit report before applying for a home loan.
Before you start shopping for the best mortgage loan in Salt Lake City, ensure that you have a solid financial plan. It is not all about qualifying for a loan; it is also about setting clear lines between what you can afford and what is not within your financial means. Do the math to determent the amount of money you can spend on monthly mortgage repayments.

Gold Bars: A Beginner’s Buying Guide

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Stack Of Gold BarsAside from real estate properties and stocks, gold is also a great form of investment. Gold bars and coins are seen as a form of tangible security blanket. Meaning, when the stock business is affected, and currencies plummet down, the value of gold would barely be affected, according to Atkinsons Bullion.

Therefore, it is no surprise why more and more people invest in gold. As a first-time gold buyer, here are some things to help you decipher how to buy the right gold bars for your first investment. 

A guide to buying gold bars:


The two most common types of gold bars are minted and cast. Both types of gold are poured into a mould. Cast gold is refined. Minted bars, on the other hand, are cut from a large piece of a gold block and then formed to have uniform dimensions. Minted gold has a finer appearance which attracts buyers. However, others do prefer cast gold’s natural or rustic appearance. Whichever type of gold you are purchasing, a certificate of quality is always given. 


Gold bars come in different sizes. People who just entered the gold investing business, or are on a budget often choose to invest in bars that weigh just a few grammes. These light bars obviously have the same quality but come at more affordable prices because of its weight and can easily be shipped in different parts of the world. 


Following the gold bar trend and its price movement won’t be necessary. Investing in gold is different from investing in stocks and therefore the approach should be different. The right time to buy gold is when you need it. Gold prices are pretty much stable and are not easily affected by the movement in the international market so you can buy whenever you want and whenever you need. 

Buying gold is easy. But remember to buy from trusted sources and always have a certification to ensure the quality you are buying. Happy shopping and investing!

5 Smart Ways to Find Best Mortgage Rates

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Mortgage Rate on paperWhen purchasing a home, it’s advisable to consider finding low mortgage rates that are comfortable and efficient. If you are not certain of what mortgage to go for, here are some tips to ensure you achieve low mortgage rates.

Compare different mortgage rates

During the process of acquiring a home loan, the primary concern of your agent will be to get the agreement sealed as fast as possible. However, choosing the lowest mortgage rates in Utah is essential and you can find one by comparing the different mortgages rates.

Find the best mortgage lenders

Mortgage rates are competitive nowadays. As a result, it’s advisable not to go only for the lowest mortgage rates, but also to find the best mortgage lenders in the market. This is one of the easiest ways to secure the best mortgage.

Check for adjustable rates mortgages

Go for flexible rates. If possible, choose the ones that require lower down payments and low initial interest rates for a shorter period. Sometimes, the interest rates will rise and fall periodically according to the financial index.

Choose on how long you will keep the mortgage

The duration on how long you choose to use the mortgage is important. This helps change or choose the kind of mortgage to work with, depending on the interest rates of a certain mortgage. Indeed, shorter loan terms come with a lower interest rate.

Contact a couple of financial institutions

By having a variety of mortgages lenders to choose from it will guide to compare their interest rates and to go for the best agency. Ensure that you visit or contact the various firms and ask them to clarify about their mortgage packages and rates.

It’s important and wise to consult and choose the most favorable mortgage rates for you when trying to secure a home loan.

Diversify Your Investment Portfolio Through Commodity Trading

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A hand resting on a pile of coins Stock markets can become unusually volatile at times that you, the investor, may become uneasy. Naturally, you will want to diversify your portfolio to minimise risks. Although you may easily turn to traditional securities for diversification, you can also actually invest in commodity trading.

Commodity Opportunities

You may have heard about commodity trading already, and as you probably know, most investors remain with stock markets and traditional securities. Commodity trading takes up significant amounts of time, money, and expertise that you need for a successful investment.

Today, however, you can invest in commodity markets through different ways.


You can engage in commodity trading through the different commodity exchanges around the world. You can find a commodities trading exchange here in Singapore. You can invest through a top Singapore brokerage firm.

Once you have a brokerage firm and one or several exchanges in mind, you can start thinking about the commodities you want to trade in.

Commodity Categories

Commodities include metals, energy, livestock and meat, and agricultural products. Specific commodities consist of gold, silver, aluminium, and others for metals. Crude oil, natural gas, gasoline, and other products make up energy commodities.

You can already guess what livestock and meat commodities involve. Finally, agricultural commodities include corn, soybean, coffee, and others.

Trading Strategy

As you invest in commodities, however, you can focus on avoiding unnecessary risks rather than getting rich within a short amount of time. You will simply fail and lose money if the latter motivates you in your investment.

To profit as much as possible, you will need to be patient and to conduct heavy research. You can only succeed in trading commodities in this way.

You can learn more knowledge on commodity trading from research. You can also ask experts such as a Singapore brokerage firm to teach you how the commodity markets work. As an investor, you can only achieve profitability through careful study of specific markets.

Golden Opportunity: Why Gold Coins and Bars Are For You

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Keeping your GoldTechnology has provided people with more means of investing their money. Some people choose to invest in real estate. Others invest in the development of new businesses and mobile applications or apps. However, there are people who still choose to invest in gold, silver, and other rare gems.

If you’ve always wanted to buy gold coins as a form of investment, Atkinsons Bullion cites some of the advantages a gold investment gives you.

  1. Stability

Compared to other investments, gold often goes up or retains its value even if the other investments go down. Gold can give your portfolio a stabilising effect even when the market isn’t doing well.

  1. Privacy

You don’t need to report that you have gold coins. Unlike other investments that require public announcements, keeping your collection of gold coins privately is possible. For some people, this is a good advantage.

  1. Accessibility

One of the biggest advantages to buying gold coins and bars is their accessibility to private investors. You could easily acquire and sell your investment if you wish to do so.

  1. Overall Control

When you own gold coins and bars, they become a “risk-free” investment because the value does not rely on someone else’s business or promises. This means that you have 100 percent control over your investment. You can also choose to sell it anytime you want. Gold investments are usually not affected by economic collapse or inflation.

  1. Storage Choice

Since gold bars and coins are tangible investments, you need to secure a place to store it. While some people keep their gold stash at home, this is not always advisable. Apart from theft, keeping gold investments at home means they become vulnerable to natural disasters such floods, storms, and fire. The best way to keep your gold investments safe is to put them in a safe-deposit box at a bank.

Worth Its Weight In Gold

People have been investing in gold, silver, and other precious metals for a long time. What’s great about these investments is that you can control this investment and its value will remain more or less the same in any situation. An investment in gold could protect your financial portfolio even in economic downturns.

Your Employees: Are They Tangible or Intangible Assets?

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In your business, you would know that your assets fall into two categories: tangible and intangible assets. But what about your employees? The question whether employees are tangible, intangible, or even assets at all is a tricky one.

Tangible vs Intangible

Legal consultants such as AssetProtectionAtty.com define tangible assets as things you can convert to employeecash such as investments, property, and things that you can sell. Intangible assets on the other hand are nonphysical things like your copyrights, and trademarks, and even Internet domains.

Obviously, an employee is a physical being but you cannot really sell them for cash as you can with other tangible assets. Technically, they come out as expenses on your balance sheet but this does not mean that they are not assets.

Skills as Assets

Employees seem to fall in-between these two types of assets and the answer to the big question is simpler than you think. When it comes to hiring people, you do not really hire them for who they are but what they do. It is the employees’ skills and qualifications that you look for, and in this light, their abilities can be intangible assets.

Despite this, you cannot actually place an employee’s skills in your balance sheet. Basically, assets are things that you own, and you do not really own an employee’s skills even if you did play a hand in training them. You can guide your employees, instruct them when to use their skills and all that, but these abilities ultimately belong to them.

Whether you consider employees as tangible or intangible, they no doubt play an important role in your business’ success. A troubling thought is how you can actually secure your employees as your principal “assets” despite all the technicalities.

It is simple: keep them happy. Make them like working and working for you. Treat them fairly and with the same respect they give to you. Even if you decide to sell your business they might just follow you to your new venture, and a reliable employee is an “asset”you can never replace.

Utah Homeowner Troubles: The Curious Case of Mortgage

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mortgageLiving in Utah and starting a family on this side of the world has many benefits. Ask any native Utahn and you will be convinced that this is most probably true, except for one thing – mortgage.

Mortgage problems are always present in every stage and unless you were born with a silver spoon, you cannot easily escape the pangs of mortgage anxiety. Here are the problems you may just bump into when dealing with mortgage loans:

Selecting a program

There are loads of mortgage loan options on the market. There are fixed-rate or adjustable loans, for a start. You may qualify for first-time homeowner grant or other state specific benefits. Do you qualify for refinancing? Consulting mortgage experts like AltiusMortgage.com can save you the dilemma of determining what the best program is for you as many factors affect your selection. For a head start, you may want to consider the price of the property you are meaning to buy.


Applying for mortgage is tough, but not as tough as the maintaining or settling part, which will be tackled later. The application process may be different from one lender to another. The basic discussion or interview will revolve around income, household expenses, underwriting, collateral, credit score, assets and history of employment. Getting a passing credit score is where most people get stuck. At the present, a good score falls to 680 and higher.


This stage is based from what you have agreed on. It really depends if your contract sufficiently predicts your requirements, like, is a five-year mortgage settlement within your capacity? Can you really pay the monthly requirement that consists of principal, interest and accompanying taxes?

Every adult may have dealt with or are dealing with mortgage loans. Get as much data as you can to help you make an informed decision.

Circumstances that May Affect Your Investments (and what you can do about them)

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financial investmentAn old maxim says, “Money makes the world go round.” Most people would deny this, but everyone knows deep down that this is quite true. People need money to buy the things they need and live comfortably. This is the reason getting a job is essential to live in this world. People work hard to save up for a house, a car, a child’s education, etc. Some other people use their wits and skills to start a business and amass wealth.

Unfortunately, just as it is difficult to collect money, it is also easy to lose it. You can take precautionary measures to protect your wealth by enrolling in an insurance policy or getting an asset protection attorney. Utah state and federal laws support these types of defenses as an assistance to citizens who worked hard for their money.

Here are some incidents that may let you lose your investments if you aren’t being careful:


Whether you own a company or have stocks invested in a corporation, liquidation is a great threat to your funds. Not only will it affect your income, but all other reserves as well, whether monetary or non-monetary. It may even be possible that you will not be able to retrieve most of the assets you put into the business.

Lawsuits and other legal problems

Apart from reputation that is at stake, getting in court can be heavy on the expense. That is not mentioning the probability of properties that the petitioner may take away from you. This may involve a large amount of money for compensation, or physical properties, especially in the case of divorce.

Illnesses / Accidents

You may take good care of your business, but there are instances that may still take a great deal away from your funds. These unforeseen circumstances include sudden medical diagnosis, calamities, and accidents. Unlike bankruptcy and lawsuits, you will not be able to prepare for the healthcare costs and other expenses without safety nets like insurance.

Nobody wants the fruit of their hard work swept away in an instant. Your properties and your savings are the product of years of labor. There are many institutions that can assist in securing your wealth against these circumstances. Utilize them so you won’t have to worry about your future.