Is “Help to Buy” Really Helping

Get to Know the Hidden Consequences

Since the inception of “Help to Buy” schemes in 2013, the limelight has never strayed from the lending policies brought forward by the government. However, one is finding it increasingly difficult to tell if they are here for the better or worse.

 

The agenda certainly appeared to lend support to home buyers. The economic fall back in the UK had indeed forced authorities to come up with something that would console the housing market. But the paradigm seems to be shifting away, from providing help to prospective home owners, toward deeply palpable increase in house prices. Discover in this post, how else one is forced to face uphill by choosing Help to Buy.

Understanding home refinancing basics

Dealing with home refinancing is not an easy task given the present conditions, tough qualifying norms and selecting the right lenders. Even if you become successful in getting all, you should check on the costs involved and calculate to see if this is a viable option for you.

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Refinancing a home is a situation when you are not able to pay the loan amount you took to purchase a home, or you want to take it to lower the interest on the existing mortgage and replace it with a new loan. By refinancing, a person takes another loan to pay the first loan amount. 

Subprime loans and their importance in times of recession

Subprime loans are the only hope left for those with exceedingly poor credit. Credit scores cannot reach the highest levels even if you clear all your debts in a day. It is a gradual process and takes its own time to recover.

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Many a times you get into a situation when you need to take a loan urgently, but the lenders reject you because of your bad credit score. If you have a bad credit score and you need to take an urgent loan, then you are only left with an option to take “subprime loans “. This has become truer looking at the current situation where the recession and economic crisis have resulted in massive losses and people are forced into a poor credit situation because of job loss, salary cuts or the business losses. To get loans from lenders has become tougher. Lenders suffer huge losses and in order to protect themselves from any further losses they want stringent lending norms, which mean that only those who have a good credit can qualify them. 

Shall I choose to invest in Starbucks

To Start Off:

Starbucks (NASDAQ:SBUX), has always been considered a haven for the upper-middle class. The conversational trendy atmosphere has separated itself from other competitors in terms of what it has to offer. Recently Starbucks has turned to alternative ventures almost steering away from its traditional business model while maintaining its originality.

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International Growth:

What are the goals and outlook for Starbucks at this point? Right now the company is looking to expand into China which should serve as the company's most profitable international market.

Why being a leader is different from being a manager

A leader manages people, and a manager leads people, but, there’s a stark difference between the two traits – managing people and leading people. We all somehow, relate these two traits as the same, without ever analyzing it, because that’s what others tell us. Look at someone who has passed out from a reputed management school. He may never become a great leader. He may end up as a skilled manager, who will, perhaps, earn a hefty pay packet.

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Leading people is different. Those who are great leaders have the innate ability to rise to the occasion. They have this extraordinary ability to communicate. Their speech rattles your spirit. It makes you want to believe in them. Leaders not just influence your mind, but they affect your spirit, which is more effective.

Though, it may happen that a great leader is also a great manager, or a vice- versa. However, it’s essential to understand why leaders are rated highly than managers. Why we fail to ever understand the reason that makes them different?