June 2021


Douglas Greenberg’s New Website Highlights Business Finance & Entrepreneurial Expertise

Douglas Greenberg’s business acumen shines in his new website for Pacific Northwest Advisory.

Money is involved in every aspect of life. Douglas Greenberg is an expert financial advisor whose expertise is woven into every page of the new website for his new business, Pacific Northwest Advisory. The content of the website comprehensively covers all financial needs for individuals, families, and business owners.

As a business owner himself, Douglas Greenberg’s practical experience and extensive financial knowledge is a huge asset for his entrepreneurial clients. The new website for Pacific Northwest Advisory clearly shows how Douglas Greenberg and his trusted team of financial advisors work alongside business owners to help them achieve their unique financial goals.

There are many examples of how Douglas Greenberg has helped business owners in various situations to change their work-life balance while keeping financial priorities in mind. The website for Pacific Northwest Advisory masterfully shares some specific stories in Case Studies pages of the business owner section. Many successful business owners have dedicated their lives to building their businesses. At a certain point, they begin to look for a transition that prioritizes their financial interests while also freeing up their time and energy to begin to enjoy life. Douglas Greenberg and his team provide financial guidance to facilitate this transition smoothly.

For those who are looking for financial advice but aren’t business owners, Douglas Greenberg’s new website also details important financial matters. Individuals and families especially need financial management advice to help reach their goals. Pacific Northwest Advisory helps individuals and families with budgeting and cash flow, managing debt, investment planning and management, planning for retirement, and developing a legacy and estate plan.

Most importantly, the new website for Douglas Greenberg’s financial advisory business, Pacific Northwest Advisory, clearly shows that clients are the priority. Serving clients and all of their financial needs are central to the success of this business.

Douglas Greenberg serves as a fiduciary, working exclusively with business owners providing independent, unbiased guidance. PNWA has created a private company sales process that incorporates valuation, tax planning and modeling of a transaction. Based on an objective view of their needs and incorporating a deep understanding of the business owners’ goals, PNWA creates a customized solution. Prior to forming PNWA, Douglas Greenberg was an Executive Director at Morgan Stanley for 24 years. Douglas Greenberg has been recognized as a top financial advisor by the Financial Times, Barron’s, Forbes and has earned the Certified Investment Management Analyst (CIMA) designation.

Douglas Greenberg holds a B.S. in Business from the University of Texas at Dallas and has studied at both The Wharton School of the University of Pennsylvania and the University of Chicago Booth School of Business.

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What is mind mapping and how can you use it?

Mind mapping can be a significant instrument in the inventive reasoning cycle. A psyche map is a visual reasoning instrument. Ideal for conceptualizing, investigating thoughts. And introducing data in an interestingly visual manner.

Of every one of our faculties, vision is the most significant. As our most prevailing sense, our visual experience is the primary way. That we sort out the world and learn new things. It’s thus clear why so many of us learn through pictures.

As a visual portrayal of your contemplations. It bodes well to utilize mind mapping inside our ordinary working life. As a method of investigating our thoughts. And, in any event, dealing with our work and assignments.

You’d be excused for imagining that mind mapping is a fairly dated cycle. It’s an idea that has been around for quite a long time. Also, it is frequently connected with conventional techniques for note-taking and thought age.

However, with the progressions in innovation throughout the long term. The potential outcomes extend our reasoning power. And deal with our work all the more viably are developing persistently.

Your cerebrum is mind planning each day – you simply don’t understand it

Pause for a minute to consider how your cerebrum functions. When you think of a thought for something. This typically will start different lines of reasoning.

Mind mapping works similarly. While making a psyche map.  You start with a focal thought and afterward add different branches. To every plan to investigate various ideas in more noteworthy profundity.

This is basically what occurs inside your cerebrum. When you permit your psyche to meander. One idea prompts another. Which triggers a relationship in your mind to start further. And also interconnected thoughts.

Mind mapping takes what occurs inside your cerebrum. And transforms them into something substantial, using a particular blend of shading. Then symbolism, and visual-spatial attention to dominating creative minds. And innovative reasoning abilities.

For example, your memory, capacity to learn. However, even issue settlement would all be able to be improved through the force of mind mapping.

Dive into the link to explore a better mind mapping app.

It’s the initial phase in the advancement cycle

Each incredible business achievement starts as a thought. That thought can emerge from one imaginative flash of motivation. Moreover, even a group of individuals working together with the real world. That’s why the mind mapping app is better for this.

In this advanced age, it’s getting perpetually hard to stand apart from the group. As contenders utilize new and intriguing approaches to connect with and energize clients.

It’s hence indispensable for organizations to search for one-of-a-kind encounters. That commands the notice of their crowd. However, offer them something that impacts them. Including creative scholars inside your group is an enormous resource.

Notwithstanding, making a mind mapping is an incredible route for you. To catch your thoughts when they come to you. You would then be able to return to your brain map. When you have more opportunity to investigate these thoughts in additional detail. Which may simply prompt your next light second.

How could mind planning help improve my everyday work?

Mind mapping is thought age at its center; consequently. It’s something that can be utilized in an entire scope of various circumstances. From arranging your next advertising effort to introducing your most recent report information in a fascinating and connecting way.

Making mind mapping for a work project permits you to track any innovative arrangements. Then you may have a specific part of your work. And separate these utilizing branches to additionally investigate these arrangements.

Last Thought

At last, you would then be able to keep this bank of thoughts to hand at whatever point you need.  A groundbreaking plan to keep your work new. It’s basic for innovative squares to occur.

Regardless of your field of work. When confronted with a test. It tends to be critical to make a stride back and evaluate the circumstance from an alternate point. Adding your plans to a mind mapping normally permits your brain. To consider a scope of conceivable outcomes. That may somehow or another have been left undiscovered.

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Why Choose Moneylender Singapore Financing For Your Company

Compared to investors, a moneylender Singapore company is never ever going to interfere with just how your organization is managed. If you find a capitalist, you will need to function along with them. And unless they’re a silent affiliate, they will anticipate to have a say in how their cash is invested by the organization. Meanwhile, moneylenders don’t care what you do with the money provided that you’re going to be able to settle the balance with extra interest. What takes place in between now and then is entirely approximately you. So, if you intend to maintain complete management over your organization and just how it grows and beefs up, a company loan is normally the best choice.

A financing tool for development

Probably the most evident factor to think about a small organization loan is to purchase a growth possibility for your business. When organization is flourishing, continuing to grow your company can help make sure that your earnings don’t stagnate or shrivel.

Obviously, additional development has lots of expenses, such as advertising, brand-new real estate, building improvements, and boosting team sizes, and it’s unlikely you’ll have the money on hand to cover everything unless you take it from the funds that maintain your business operational.

Loans can help you cover the costs of growing your organization without devouring your operational funds, to ensure that you can continue to impress clients while growing your organization.


  • Smaller sized loan quantities– If you need only a small quantity, such as ₤ 15,000, then an unsecured loan makes good sense especially if you’ve real estate and don’t want to expose it to the threat of foreclosure.
  • Adaptable repayment periods– unsecured loans can have any repayment period, up to around 5 years. The lengthier the loan period, the lesser the interest rate you’ll be billed on the loan.
  • Good for those currently trading– as the loan is unsecured, the loan provider will examine it against your organization’s trading position. They will also perform background inspections such as your credit history, cash flow position, annual report, money reserves and might request a personal assurance versus the loan.
  • Faster to obtain– unsecured loans for modest amounts are speedier to get approved, with fewer procedures and legal headaches.
  • Lower property direct exposure– no requirement to set up real estate as security and couple of admin expenses.


  • Can be harder to access– if you do not have a strong trading position, it can be hard to get a big unsecured loan.
  • Bad for huge amounts– loan providers typically will not lend more than around $25,000 as an unsecured loan even to a strong company, and loans higher than $40,000 are really uncommon.

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Tips for applying for home loans when you are self-employed

Many banks and financial institutions have a streamlined process for home loans that are similar for salaried and self-employed individuals. However, when it comes to your income and employment, the eligibility criteria differ. This is because the nature of income and its stability are different.

They ask for a varied set of home loan documents required to fulfil the set parameters. You also get the loan amount sanctioned differently than salaried professionals. It is best to check the same with the home loan eligibility calculator. If you are confused going into the process due to separate parameters, read on to find out what you need.

Documentation: The paperwork for the loan process consists of personal identity proof, resident proof, age verification, banks statements of the last six months, a professional practice or business certificate, tax returns of the previous two years, proof of business continuity, profit and loss statements, etc. These requirements vary from lender to lender. However, it is best to stay prepared with the standard documentation to calculate home loan eligibility with ease.

Stability: Lenders evaluate your income based on the past two years’ performance or your business or professional practice. They are concerned not only about your earnings but its feasibility. They want to see the tangible profits you produce to gauge the longevity of your entrepreneurship.  This is why most start-ups struggle with being eligible despite backable funding. So, make sure you have sustainable revenue to show for your home loan eligibility.

Tax returns: Inconsistent tax filing is a norm if you have a small-scale business without a proper auditor. However, not only does this affect your financial statements but also your home loan application. To satisfy eligibility for home loan, you should have filed tax returns properly for the past two years of application. You should also have all the documents required to prove the same. So, make sure to stay up to date with your filing and avoid delay.

Good credit history: This remains the top priority for lenders for sanctioning loan to all applicants. It becomes even more prudent for self-employed as there is a frequency of debts involved. They finalise your home loans eligibility by evaluating your credit history. They analyse your credit score, which should be 750 or above. They also look at your repayment patterns from the credit report. It is advisable to pay off debts that are written off to sustain a healthy rating.

Most of the parameters remain the same. However, your maintenance of profit and loss statements and other financial documents is essential for a smooth loan process. The lenders scrutinise your applications with stringent terms due to fluctuating income. It is best to create a solid financial standing to counter such concerns.

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A Few Good Reasons to Prefer a Local Mortgage Lender

Looking for the best mortgage loan is not just about finding a lender who is offering you the best interest rate, but also it is important to ensure how comfortable you are with that particular company that is offering you loan.

As such, the mortgage process remains almost the same across various lenders. However, a few differences here and there can affect the fees that you may be charged and the kind of service you will receive. These factors are worth considering while shopping around for mortgage lender.

Home buying is probably the largest purchase that most of us will make in our lifetime. Therefore, while choosing the right lender for a mortgage it should not be chosen just by looking at a very low interest rate as compared to many others.

You may find mortgage lenders in many different sizes and shapes, while you may be quite familiar with a Seattle mortgage lender where people are quite well known to you. Although these days’ online lenders offer lots of convenience that may sound appealing, however, there are many reasons to go for a local mortgage lender that may be your good option.

How can you find your best mortgage lender?

As mentioned before, these days it has become much easier than before to find a mortgage lender. If you Google search, you will find many mortgage lenders have put on very aggressive advertisements.

You can also contact your bank or credit unions, if you have your accounts with them that are also good places to search for mortgage loan, as they may offer a special rate and fees for their customers.

Another way could be by talking to your friends and a few real estate professionals who will be ready to offer references. You may get a good suggestion from them as they usually deal with many clients and help in getting their loan.

The following are a few sources of getting your mortgage loans

1.     Conventional banks

Banks are the traditional mortgage loan source. You can apply online or in person and it will be processed accordingly. If you have your account in the same bank then you may get a certain preference.

2.     Credit unions

You must be a member of the credit union to obtain a mortgage loan. You may also have any family member as a member, who may be living in that area or may be connected with them. Often people prefer credit unions due to members-only deals.

3.     Nonbank mortgage lenders

A few companies also offer their services online and they specialize in only mortgage loans or few other types of loans. One plus point is they work with great speed. Also, if your credit rating is not too good then they can offer you a few options.

4.     Mortgage brokers

A mortgage loan through this route may cost you more as brokers also charge their commission that you will have to pay. You must do a review and compare their brokerage fees charged with other options.

While looking for your mortgage lender it is always better to go for a local mortgage lender because of the following reasons:

1.     Local knowledge

Most local mortgage lenders being an active part of that community must be living in the same communities where you want to live. Hence, they understand the local landscape and also know the real estate trends.

2.     Local decisions

Any local lender will always be well familiar with the local market and have their underwriters, which will allow them to easily approve loans. They are also well connected to many other resources, e.g. title companies and appraisers, etc.

3.     Personalized service

By working with any local mortgage lender, the lender may meet you in person and will take a little time to know you and also your financial situation. Thus, you can get the mortgage matched with your requirement.

There is always value in selecting a mortgage lender who is familiar with the area where you are buying your home. They also are aware of local market conditions. You can always contact them personally and get good help during your home buying process.

If you are running short on cash and no longer able to afford the monthly mortgage payments to your house, maybe it is time for a loan modification. Applying for loan modification can provide some relief from the pressures of bills piling up and allow you more time to make the payments. Learn more here

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Why should you set the correct IDV for comprehensive car insurance policies?

Four-wheeler insurance is mandatory for all vehicles in India. If you are caught driving an uninsured car, you need to pay a fine for violating the country’s laws. Precisely the reason why most of us buy insurance. However, car insurance goes beyond abiding by the vehicle laws of the country.

It offers you financial security if you incur monetary expenses or liability arising out of the vehicle. It covers your financial penalties if your car gets damaged, stolen, or destroyed owing to natural or human-made calamities. It handles your third-party liabilities if the vehicle causes injuries or damage to the third-party person or asset. You also receive compensation if the accident results in your disability or death.

Broadly, you can either buy a third-party or comprehensive insurance plan. The third party covers you against third-party legalities arising from your car. On the other hand, you receive broader coverage under a comprehensive plan by including add-ons.

Which is the ideal plan for your car?

The ideal car policy is the one that provides adequate coverage to pay off the financial liabilities arising out of your car without paying costly premiums. You need to strike the right balance between insurance coverage and premiums.

Thus, before buying the car insurance policy, you should thoroughly analyse the coverage you will receive for your premiums. Use the insurance calculator to know the premium of the plan accurately. You can find the instrument easily online and check different premiums offered by other insurers.

The auto insurance calculator considers parameters like insurance type, car details, geographic location, add-ons, and the IDV for determining the policy premium. The IDV is the biggest factor that influences the premiums of the comprehensive policy.

What is IDV?

The Insured Declared Value is the maximum sum insured amount fixed by the insurance company. It is the maximum claim amount that your company agrees to pay under the insurance policy if your vehicle gets damaged due to an unforeseen accident. In case of theft or a total loss, the insurer pays you the entire IDV as decided when buying the insurance. The IDV gets determined based on the current market value of your vehicle.

This is because the value of your car starts depreciating as soon as it moves out from the showroom. Even if the vehicle is as good as new after a year, it suffers depreciation owing to its age. Depreciation is considered an estimated reduction in the vehicle value following its age. The higher the age of the vehicle, the higher depreciation on it.

The calculation of IDV is as follows:

IDV = Selling price of the car as listed by the manufacturer – Depreciation depending on the age of the vehicle

Now, the IDV differs between insurers. Hence, it is essential to check them before you buy offline or online car insurance. Meanwhile, the depreciation for older cars is fixed for up to five years.

Why decide the correct IDV?


The IDV of the vehicle is directly proportional to the premiums of the comprehensive policy. The higher the IDV of the insurance plan, the higher will be the premiums. Therefore, opt for an IDV amount that does not result in an expensive insurance premium.

Maximum claim amount

The IDV is the maximum claim amount that the insurance company pays if your car witnesses’ complete loss or gets stolen. If you opt for a lower IDV, the claim amount might be insufficient to cover the actual cost. So, choose a comprehensive policy with an IDV, which is sufficient to cover the losses of the car.

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