tag:blogger.com,1999:blog-83257873089916328892024-02-20T04:53:55.239-08:00Financefind your loan money here, information about profit, money borr
ower informatin, credit and otherFinancehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.comBlogger870125tag:blogger.com,1999:blog-8325787308991632889.post-32803208783473100302012-03-08T21:36:00.001-08:002012-08-26T21:37:35.623-07:00If You Had To Choose, Would It Be A Ton Of Bricks Or A Ton Of Feathers?<br />
In the world of traditional business and employment, we face several dilemmas. The first dilemma of traditional business is obviously the start-up capital. The amount of capital usually required is enormous in the brick and mortar world. The second dilemma of traditional business is the rise and fall of profits or the "not knowing" if the business will survive. Traditional brick and mortar requires the ownership to participate in a twenty-four hour endeavor just to keep the business in operation. The third. Dealing with employees. I speak to business owners and one of the biggest challenges they face is dealing with employees. Employees in today’s world tend to move around from job to job, therefore for business owners it becomes a continuous, daunting task of hiring.<br />
<br />
Being an employee is not without its’ woes either. As an employee, we have to contend with a very competitive business world. In this competitive world of business, we have to compete with competitive wages. I do not know anyone personally who is surviving on today’s wages without having to work two or more jobs to support themselves. It’s a tough world out there, only getting tougher. If we continue down the employee mentality path and not observe more rewarding opportunities out there in the world to benefit our lives, than one thing is for sure. Do not plan on getting ahead if you do not think outside the box.<br />
<br />
Now, let’s put together a simple scenario. Here you are now reading this article. Think about your situation.<br />
<br />
In the game of life, what really matters is where you end up. What does that mean? After all of the hard work, what is going to happen should you live to be old? A reality we all must face.<br />
Now, what about the quality of life until our passing?<br />
<br />
Here is a simple scenario. Imagine there’s a rope in front of you. Now imagine this rope is tied to a hatch above you. When you pull the rope, the hatch opens and something will fall on your head. What falls on your head represents your financial planning decisions. In this case, what falls on your head is either a ton of bricks or a ton of feathers. So, does a ton equal a ton? In weights and measures, yes. But not to the one who pulls the rope.<br />
<br />
(c) Copyright 2006.All Rights Reserved<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com1tag:blogger.com,1999:blog-8325787308991632889.post-39717852468730289172012-03-07T21:34:00.001-08:002012-08-26T21:36:18.765-07:00How to Find a Good Inexpensive Hotel<br />
When going on vacation somewhere you have never been it can be hard to find a good quality Hotel working on a budget. So here is a guide to help you find a good place cheap, so you don’t have to worry about where you will stay.<br />
<br />
In my life I have done a great deal of traveling, and I have many nightmare stories about the things that have happened to me in some of the cheap hotels I have stayed in. I remember once I was ok a ski trip and half the floor in my room actually dropped about 6 inches. I woke up and my head was lower then the rest of me and was confused for several seconds before I managed to come to my senses. Lucky for me the room was on the first floor. On another trip, the police raided the hotel looking for illegal immigrants, and there was noise all night long. It was probably quiet the next night, but I did not stick around to see.<br />
<br />
Finding a good inexpensive hotel should not be a gamble. The best way to find a good hotel is to go to a place you have been before, but assuming that is not an option the next best thing is from someone who has been there. <br />
<br />
If you know someone who has been to the same vacation spot as you are planning on going, ask them about the place they stayed, the worst that can happen is they tell you they hated it or that it was too expensive.<br />
<br />
But what if no one you know has ever been to where you are going to be? Unless you like to gamble, you can't just make reservations anywhere, if you are looking to gamble on something play blackjack or poker in a casino, but don’t roll the dice with the place you are going to use as your home base for your vacation.<br />
<br />
Use the internet to look for hotel reviews. There are many websites that have reviews from people who have stayed in the hotel. Now one mans hell may be another mans heaven, but at least this way you can see that 5 people stayed there and said it was fine and two said it was not good maybe these 2 people were the exception.<br />
<br />
Or maybe the two that did not like the hotel were in town for business in an area popular with tourists. This can be an annoying situation when everyone around you is partying and you are trying to sleep, this is one of the reason why no business is conducted in Daytona Beech during Spring Break.<br />
<br />
Talking with a travel agent is always a great way to assure your happiness with your lodgings, and helps keep the gambling in the casinos and out of your room.<br />
<br />
A good thing to do is to make sure to ask lots of question on the phone with any hotels you are considering staying in.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-37047368812160891812012-03-06T21:30:00.001-08:002012-08-26T21:31:52.048-07:00How do payday cash advances work?<br />
Payday cash advance loans are essentially short-term loans that may use a borrower’s paycheck as collateral. Working individuals who are mainly dependent on their paychecks for money may occasionally find themselves in a spot where an emergency requirement arises and the next paycheck is still far away. <br />
<br />
<br />
In such instances, lenders offer cash advances to adult individuals with an assured net income of at least $ 1000 per month. The loan amount is to be repaid by the borrower in full on the next payday. Cash advances charge a rate of interest of up to 20% and should ideally be taken in small amounts so that they can be repaid easily. The high rate of interest is charged as these loans are short term and given without a credit check. Most lenders offer a first-time payday cash advance of up to $1000. <br />
<br />
<br />
The process of applying for and obtaining a cash advance is automated and can be carried out online. The borrower is required to submit a short application, which is usually replied to via email. The money is transferred to the borrower’s account upon the signing of the loan agreement and submission of postdated checks. Alternatively, the lender can directly withdraw money from the borrower’s account on the designated due date. Inability on part of the borrower to pay the loan in full may imply a violation of the loan agreement which can prompt the lender to demand non-sufficient funds (NSF) costs. If a lending agency chooses to refer a borrower’s poor payment record to the credit bureau, it can harm a person’s credit score and affect his chances of obtaining a loan. <br />
<br />
<br />
Ideally, a person should refrain from taking payday cash advances often as these incur a high rate of interest. They should be kept as the final option when loans from friends cannot be availed and credit cards cannot be used. Factors that affect the approval of a payday cash advance include federal and state lending regulations, net income, and existing previous payday advances or other loans. Usually payday cash advances are scheduled for payment 15-18 days from the application date. Individuals can avail only one payday cash advance at a time from a given lender. <br />
<br />
<br />
Lenders allow for an extension of the payment date and deduct an extension of payment fee on the original due date. There is a limit to the number of extensions allowed by the lender. Most allow up to four extensions of the payment date. The next scheduled date for repayment is usually the date of receiving a paycheck.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-51839543839732232742012-03-05T21:25:00.001-08:002012-08-26T21:29:57.719-07:00So, Do You Need Financial Planning?<br />
Well do you need Financial Planning? In this article, I will show you how you can answer this question. <br />
<br />
Immediately after we complete our college education, we automatically participate in a race call rat race. <br />
<br />
Everyone started the race with a cart. In this cart, we have personal bills, loans and our allowance. As we are single, everything is good and manageable. We can spend what we earn without worry. <br />
<br />
Then we meet our partners and get married. Thus we begin our next chapter in life. Our cart becomes heavier and we now worry about our spouse's bills and loans and kids allowance. Some of us must support our parents too. We may even need to bring our family to vocation. As we grow older, our carts get heavier and heavier. Do you have enough savings to meet these expenses?<br />
<br />
As we know, life is never a straight and smooth path. We will encounter obstacles. Some of these obstacles may set us back in terms of our financial standing .If we do encounter a big obstacle (e.g. critical illness, operation, surgery, business failure) and need a huge sum of money to recover, Do you have enough money to meet this expense? What if the big obstacle results in us being permanently bed-ridden or out of work for a long time, what is going to happen to our cart? Do you have enough money to support yourself and family if that happens?<br />
<br />
Many may say, well we have friends and relatives to turn to for help. But our friends and family have their own carts to pull too. If they help push our cart, who is going to push theirs? <br />
<br />
We will all retire from work eventually. From then on till we all rest in peace, we do not have regular income but our life must still go on. We still need to pay our bills and we still need to eat. Do you have enough money to support yourself during retirement? <br />
<br />
At old age, our body is no longer working as well as they used to. Our health conditions deteriorate, as we get older. We will need to seek medical help frequently. We may even need to employ a person to take good care of us. Do you have enough money to spend on these medical expenses?<br />
<br />
So do you need Financial Planning? If you answer ‘Yes’ to all the above questions, then you are safe and need not worry about Financial Planning. Otherwise, I suggest you start thinking about it.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-64909612885458562072012-03-04T21:23:00.001-08:002012-08-26T21:24:46.216-07:00Why You Need a Virtual Safety Deposit Box<br />
Advances in information technology, paired with recent weather-related disasters and a growing awareness of the need for access to vital documents has lead to the creation of a new solution designed to protect your most important documents: a virtual safety deposit box. Whether you are looking for a safe place to store vital records such as birth certificates or marriage licenses, or other important documents such as health records, insurance policies, living wills or financial data, a virtual safety deposit box can help keep your critical documents just a few keystrokes away from any computer in the world.<br />
<br />
Considered a safe alternative to traditional archives in bank deposit boxes or in-home lockboxes, a virtual safety deposit box provides peace of mind paired with instant access in times of need. Gaining popularity during the aftermath of Hurricanes Katrina and Rita in 2005, this safe method of document storage has become a preferred method of protecting assets around the world. The news media is filled with stories of families who lost everything during the hurricanes, banks whose records were in shambles and law offices whose records perished in high water and storm-damaged conditions. <br />
<br />
Elsewhere in the country and the world, stories are common about houses burning to the ground with vital records still inside, families denied access to important documents after a loved one’s death and important paperwork swept away by vicious tornados. Any asset that you have that is paper-based can easily be converted for storage in a virtual safety deposit box. For a small monthly or yearly fee – comparable to the price you would pay for a bank deposit box and less than the purchase price of an in-home safe – you can choose to upload copies of your documents on your own, fax or mail documents to secured processing sites, or have a technician visit your home or office to complete your archival work for you. <br />
<br />
After your virtual safety deposit box is set up, you can access your information safely and securely 24 hours a day, 7 days a week, and 365 days a year from any internet-connected computer on the planet. All archived data is guaranteed against breaches in security and fraud and virtual safety deposit box providers utilize many reliable, prove and trustworthy safeguards against any wrong-doing. Securing your family’s future and well-being is job one, and using a virtual safety deposit box only makes that job easier.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com1tag:blogger.com,1999:blog-8325787308991632889.post-74962379994012407992012-03-03T21:20:00.001-08:002012-08-26T21:23:02.879-07:00Money Counters – Simplifying Money Management<br />
When you hear the word “money counter”, the first thing that comes to your mind is someone who counts money. Money counters do count money, but they are not persons. A money counter is a machine that can count, add, stack, and detect money. Money counters are used by banks, arcades, casinos, restaurants, multi national companies and any firm that handles a lot of cash or change in a day.<br />
<br />
Money counters are used all across the world to increase speed of counting cash, eliminate errors and simplify money handling. There are machines that can handle international currencies. These machines can detect the currency from various countries and display their values.<br />
<br />
Money sorters come in all kind of shapes, sizes and types, as well as configurations and price ranges. There are simple banks meant for children that help them count their allowance and there are complex counters that place coins into rolls and tally the exact amount. There are other money counters that count and sort cash as well.<br />
<br />
Counterfeit Detectors<br />
<br />
A counterfeit detector is a built-in setting in a money counter that detects fake currency from the rest of the bundle. If the currency is counterfeit, an alarm alerts the user. A counterfeit detector has the following components<br />
<br />
· A magnetic detector scans the bills for the magnetic component that is used while making bills. In case of US bills, the bills when passed over the detector will produce a positive magnetic response.<br />
<br />
· A magnifying detector is used to detect and check micro printing, fine-line printing pattern, serial number, inscribed security thread etc that is customized on various currencies. These cannot be seen with the naked eye. Hence magnifying detectors are used.<br />
<br />
· A watermark is a specialized marking found on the US currency. It is produced by applying pressure on the bill mold. Holding the currency against a UV bulb will detect the quality of the watermark. A weak watermark means fake currency.<br />
<br />
· Every US dollar bill has unique color shifting property on its lower right hand side corner. If you focus the bill on the lighted reflector, that part changes color from green to black. If there is no change in color, then it means the currency is counterfeit.<br />
<br />
Use counters to improvise your money management mechanism!<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com1tag:blogger.com,1999:blog-8325787308991632889.post-61097226476551089462012-03-02T21:17:00.001-08:002012-08-26T21:20:53.821-07:00Linking Debt to Solutions<br />
I owe, I owe, it is off to work I go. This is a common no nonsense saying that has been used for many years. Most of the people that make this statement are saying I am in debt.<br />
<br />
When you are in debt, you just have to start linking debt to solutions. When you think solutions, your mind often opens up to new ideas. New ideas are a guider that directs you to discovering your choices.<br />
<br />
Your choices include<br />
<br />
Debt management<br />
<br />
Time management<br />
<br />
Debt consolidation<br />
<br />
Debt counseling<br />
<br />
Bankruptcy<br />
<br />
The last option of course is something you want to avoid, so start thinking debt management. Debt management is a structural process. You begin by evaluating your debt. Think of each item you pay for weekly. Once you create a list you commence to eliminating, some of your debt by terminates some of your expenses. For instance, if you pay weekly for cable television, you can save money by thinking of your package. If you spend $11 weekly, which amounts to $55 monthly you may have options to reduce your monthly cable bill. Perhaps you can accommodate to basic cable rather than pay full cost for all features.<br />
<br />
With time management, you construct a debt management solution. Instead of focusing first on your debt, you compare the time you spend each week to progress. If you spend too much time eating out, you see that by cutting back on dining out you can save money and time.<br />
<br />
Debt consolidation is an option, yet you want to explore each company. The goal is to reduce debt, not increase the debt you owe. Some debt consolidation companies will charge fees, hidden fees, high interest, etc to help you payoff your debt. Look for debt management solutions instead of going this route. If you see no other recourse, then check the background of each company you are considering debt consolidation.<br />
<br />
Debt counseling is another option. Like debt consolidation options, you want to find a way to reduce debt, rather than take on additional debt. Check the background of each company to make sure it has a good reputation, certifications, license, etc to offer you debt alternatives.<br />
<br />
As I mentioned earlier, you want to avoid bankruptcy. Therefore, start linking debt to solutions to find a way to manage your money.<br />
<br />
The best alternative is debt management. If you can set up a structural pattern, you will reduce your debt dramatically. Instead of spending time saying, "I owe, I owe, it's off to work I go" - do something about your debt problem now.<br />
<br />
Visit your local library and take out some systematic guides to relieving debt. These resources offer you great solutions that link to debt reduction.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-55033177086471830102012-03-01T21:15:00.001-08:002012-08-26T21:17:25.739-07:00 Pets: How to Take Care of your DogThe Bond that can come between a person and a dog can be extremely strong, especially if that bond had been strengthened living with each other for many years, I have personally cried after loosing our family dog that had been like a best friend to me from my birth till I as 15 years old, when he was hit by a car one morning.<br />
<br />
Dogs serve many different needs for people. Some people get a dog because they are lonely and need a loyal friend or because they want a dog to protect the home. A dog that is taken good care of and given attention to regularly will give his life to help protect his home and his owner. For the blind a dog can be a pair of eyes to help them get around and for the police a dog can be an important tool and a loyal partner, with a nose that nothing can beat.<br />
<br />
The first thing you need to know about taking care of a dog is that dogs need lots of exercise. This is the same for large dogs and small dogs. All dogs need to be let out at least once every 8 hours and should given at least a 20 minute walk to give the dog some fresh air, exercise and a chance to relieve themselves.<br />
<br />
It is also important to play with the dog on a regular basis. This can mean going to the park on a weekend or day off and having a good game of fetch, tossing the ball around in your back yard or just wrestling on the ground with the dog, just make sure if you are ruff housing with a little dog that you don’t accidentally hurt the dog. Playing with the dog for a half hour a day, is not only good for the dogs physical health but a dig that is played with regularly is mentally healthier and less likely to become a depressed dog, it also lowers your blood pressure as well and it will form an unbreakable bond between you and your pooch, which will extend to your family if you should start having one after having the dog.<br />
<br />
What you feed your dog is very important to the dogs continued good health. The better dog foods will be marked for what are groups the food is appropriate for. Younger dogs need certain vitamins and minerals in larger amounts then an adult dog, and the same goes for an elderly dog they need more calcium in their food to help protect their bones and joints. Feeding your dog the wrong food can stunt the dog's growth and opens the dog to a larger risk of surgery when they are older.<br />
<br />
Just like a person a dog should be taken to the veterinarian's office every 6 months, and must receive their shots every year. Regular checkups and vaccinations will also help assure that your dog grows to be an old happy dog.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-55913403027664218462012-02-29T21:11:00.001-08:002012-08-26T21:15:31.813-07:00Tenant Loans-No More Torn Pockets<br />
Introduction:<br />
To lead a happy life is the main aim for everyone in this world. For this they will be having a planned monthly budget and they will be maintained it nearly perfectly. But in this fast moving world it’s a bit tough task maintaining the entire family budget easily without any ups and downs. If some ups and downs occur in your monthly budget the first idea that comes in your mind is taking a debt to tackle those problems. But being a tenant it is little bit tough getting debts. For tenants there are specially designed loans called as tenant loans.<br />
<br />
Main features:<br />
As you are a tenant, you will not be having an own home to keep as a collateral against the loans from lender. In these cases you can go to the help of tenant loans, which are specially designed to help tenants. In these loans you can get money in huge amounts. The interest rate for these loans will be also very low so you need not get tensed about it. These loans are available online with a variety of schemes.<br />
<br />
Types:<br />
In tenant loans that come to help you in cases of financial crisis, there are two types of loans available.<br />
1) <a href=" http://www.unsecuredloansfortenants.com/unsecured_loans_for_tenants.html ">unsecured loans for tenants</a>.<br />
2) Secured loans.<br />
In <a href="http://www.unsecuredloansfortenants.com/">unsecured loans for tenants</a>, you need not submit any collateral to the lender for getting loans. All you need to do is to prove to the lender that you will be able to pay the rate of interest in time and the loan amount that the lender provides will be secure.<br />
In secured loans for tenant, you need to submit some collateral some collateral to the lender. The collateral can be any of your personal assets like own car, own land area, jewelries, etc. In these loans the loan amount depends on the equity of the collateral. The repayment term will be 2 to 3 years.<br />
<br />
Summary:<br />
Through <a href="http://www.unsecuredloansfortenants.com/Tenants_loans.html"> tenant loans</a> you can get loans to meet your personal expenses. The loan amount availed can be used according to your wish as you need not explain to the lender about the usage of the loan amount. The luxuries involved in these loans are very large so you can feel free to attain tenant loans. You can get these loans online so it’s very easy<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-1748882004765231362012-02-28T21:08:00.001-08:002012-08-26T21:11:32.965-07:00Offshore Banking - When It Pays To Go Abroad<br />
While you might presume anyone with ‘money in offshore accounts’ is involved in some scurrilous business affairs, the truth is that anyone can use this form of investment as a totally legitimate way to defer or reduce your tax payments. <br />
<br />
Locations for offshore accounts can be held in banks in British waters – the Channel Islands or Isle of Man for example, or you could look further afield to the Republic of Ireland or Luxembourg. As with other investments, there are different ways to send your money abroad, with different levels of risk attached.<br />
<br />
Some of the benefits include current accounts with higher levels of interest – check out the high street banks, many of which offer offshore instant access accounts. These are a relatively safe way to invest. There are also ‘notice’ savings accounts which can yield exceptionally high rates of interest. <br />
<br />
You may choose to put money into an offshore investment fund, which is similar to the normal onshore type, only you usually find that you pay a performance related fee to your fund manager. This could mean that they have more incentive to make sure your money is working hard for you. Check investment companies like Schroders and Gartmore for this type of fund.<br />
<br />
Money funds are a high risk form of investing – your funds will be pooled with those of other investors’ and used to buy international currency at wholesale rates. Your shares will be exposed to the vagaries of international exchange rates, and this can be a nerve-wrackingly unpredictable way to invest abroad.<br />
<br />
More and more people are choosing to buy property abroad – whether as future dream retirement home or as profit making venture. In Eastern Europe and the Middle East you can pick up property for remarkably low prices – developments and agencies advertise in the property sections of newspapers, and websites abound. While this could prove a sound long-term way of investing, there are numerous things to take into account – the stability of a country’s economy, complicated legal agreements and the cost of travel to and from the property are major factors. <br />
<br />
Different countries operate wildly different property law, and you will need to get sound advice on all the implications before buying abroad. Check things like inheritance law – for example, in France, there are obstacles to simply leaving property to named recipients in your will. If you do buy abroad, you will probably find it useful to open a multi-currency account.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-81172124604506077262012-02-27T20:10:00.001-08:002012-08-23T20:11:24.477-07:00Why Planning Your "Re-Fired" Retirement Is Vitally Important<br />
Just about all of us plan to retire one day. You may visualize yourself with plenty of free time on your hands, no commute, and finally with an opportunity to travel with the person you love.<br />
<br />
But statistics show that golden dream comes true for only a very few of Americans. Some studies reveal less than 10 percent of us ever retire. Even more alarming, other studies show a large percentage die within a year or two after retirement.<br />
<br />
Clearly, an enjoyable, healthy retirement is not something that just "happens." To get past all the challenges that lie in your way, you need to plan for your retirement wisely.<br />
<br />
I advise people in my seminars NOT to retire, but to RE-FIRE. Instead of looking at retirement as merely leaving the world of work, look at retirement as a time when you can finally achieve the things you've always wanted to do.<br />
<br />
Most retirement advice centers around telling you to put a lot of money in a savings account. While saving for retirement is important, most of what you should do to retire well can be accomplished within five years of retirement.<br />
<br />
Much of what you need to do to retire successfully is mental and spiritual. When many of us retire, we walk away from a life of work that filled our days, exercised our minds, and included most of our good friends. Once you're retired, you find your days become empty and unfulfilling, even depressing.<br />
<br />
That's why it's critical to plan new tasks, goals, and attitudes for retirement. While sitting in an easy chair and relishing not having to go to work can be fun for a while, you'll soon need activities and relationships to make your days fulfilling. You'll also need ways to create a satisfying social life that often includes important new friends.<br />
<br />
That's why RE-FIREING in your retirement years is the right approach to take. Rather than giving up, you're recharging and moving forward to an even more exciting life.<br />
<br />
Focus on attaining optimum good health, creating the fine-tuned relationships you've always wanted, and finally accomplishing some of your true purposes in life. Re-firing can help you figure out what has been missing from your life, what you really want to do in your senior years, and help you develop solid strategies for quickly achieving your important goals.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-39514652098525164672012-02-26T20:09:00.001-08:002012-08-23T20:10:42.564-07:00Rules Governing Lenders<br />
There are various laws introduced to have a check on the various Banks and Lending institutions such that there is a limit to the lenders rate and principle amount being lent.<br />
<br />
According to the website enotes.com, the law governing the financial institution is a fusion of federal laws and laws governing the respective states. Article 3 of the Uniform Commercial Code involves negotiable instruments act, Article 4 of Uniform Commercial Code governs bank deposit and collections. Some of the laws governing the lenders and financial institutions are: a. National Banking System. b. Federal Reserve Act of 1913. c. Bank holding company act of 1956. International act of 1978, require foreign banks to fit within the federal regulatory and interest Rate Control Act of 1978, created Federal Financial institutions Examination Council d. Depositors institutions deregulation and monetary control act, this was implemented to remove the ceiling on interest rate e. Crime Control Act of 1990- this provided regulators to combat frauds. F. Housing and community development act of 1992-to combat money laundering g. Reigie-Neal interstate Banking and Branding efficiency Act of 1994, permitted bank holding companies that were adequately capitalized and managed to acquire bank in any state. H. Gramm-Leach Biley Act-restriction of disclosure of non-profitable customer information by financial institutions.<br />
<br />
Article 9, which govern the Secured Transaction. Accordingly banks demand for a property or house to be used as security while advancing loans to a borrower. In the light wherein the borrower is not able to pay the loan amount the interest from the property is used by the bank to cover the loan amount, even if the borrower goes into bankruptcy the Bank uses the property to settle the loan amount.<br />
<br />
Truth in lending: Part of the Consumer Credit Protection Act requires lenders to disclose the various conditions involved while advancing loans The various areas where the lenders must disclose are the following a. Total amount of principle being lent b. Payment due date’s c. Terms of loans d. Details of valuables used as security. e. Finance charges involved. f. Processing fees. g. Payment penalties. The various private institutions and lenders are supposed to abide by the various disclosure agreements such that the borrowers rights are protected.<br />
<br />
These various sets of Acts and rules are actually a merger of both the federal laws and the various state laws. The state tries to implement and pass acts, which can protect the various local financial institutions and lending Banks.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-90061913601071769982012-02-25T20:08:00.001-08:002012-08-23T20:09:46.733-07:00Payday Loan Application Procedures<br />
Payday loan is the fastest way of getting emergency cash within 24 hours. And it’s easy to apply for. Here’s what do for a payday loan application.<br />
<br />
Loan approval is the first phase of a payday loan application. Fast cash through a payday loan begins by going online on the Internet. Online payday loan companies line search engines. Once a payday loan outfit is chosen, register with the following information before a payday loan application is made. US citizenship is a must, a job that pays at least $1,000 monthly, a job that has been kept for at least 3 months up to the present, at least 18 years of age or more, a checking account opened for three months now, and a good credit record. All these are to be filled out on the online registration form prior to the payday loan application.<br />
<br />
Once the registration is done, the client proceeds to fill out the online payday loan application. Most payday loans offer a minimum loan of $100 and a maximum of $600 to $1,000. But be sure to take note of the repayment term on the payday loan application form. Check out the interest rate and ensure that it is within the acceptable range of 20 to 25 percent. Indicate the amount to be loaned and fill out other pertinent information on the payday loan application.<br />
<br />
Bad credit records are no cause for worry. Most payday loans are approved regardless of credit standing---though bad credit records incur higher interest rates. When payday loan application is ready, submit it and wait for an acknowledgement from the loan company. It takes only about a few seconds or 30 minutes, at most, for payday loans to be approved. Bad credit records may take longer. An email is often sent to acknowledge approval. Then, about an hour from the approval of the payday loan application, the loaned amount is transferred to the checking account, ready for withdrawal or for issuing checks on. <br />
<br />
Paying a payday loan usually falls on the second week, or just before the next payday, according to the terms specified in the payday loan application. The whole amount must be paid in full on the deadline of payment through the checking account. <br />
<br />
A payday loan application is easy to accomplish and submit. No documentation hassles as in traditional loans, no need to fax anything or stand in line waiting. A payday loan application gets approved within the hour and money is sent directly to the checking account within 24 hours or less.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-7445859770116748302012-02-24T20:07:00.001-08:002012-08-23T20:08:37.595-07:00Living Wills and Healthcare Power of Attorneys Help to Make Sure Your Wishes are Met<br />
No one can foresee problems that may arise should he become incapacitated. Yet, you can avoid negative consequences of unforeseen problems by creating Living Wills and Healthcare Power of Attorneys (HCPOA). <br />
<br />
Setting up a Living Will or HCPOA is a relatively simple task. The first step it to consult with an attorney that specializes in estate planning to ensure that your documents are clear. Here’s an overview of what you can expect from your Living Will and HCPOA.<br />
<br />
Healthcare Power of Attorney<br />
The HCPOA, otherwise known as a “healthcare proxy” is a legal document that enables an individual that you appoint (your “agent”) to act as your healthcare representative if you become incapacitated. The agent becomes your acting representative at the moment you become incapacitated, thus eliminating the need for your loved ones to argue over your rights and wishes in court.<br />
<br />
Your agent has the authority to request or deny any medical treatment that he determines to be appropriate. Therefore, it is a good idea to choose someone that you trust as your agent. Please note: In most states, your spouse will be your default agent. If you are not married but are in a lifelong relationship your partner, he does not automatically become your agent. Make sure that you appoint your partner as your agent to ensure that he or she has control over your medical decisions if you are unable to make them.<br />
<br />
Because your agent has whatever powers you give him or her, make sure that he or she understands your desires. Some of the decisions he or she may need to make include but are not limited to:<br />
• Deciding whether or not you will receive medical treatment<br />
• Withdrawing life-support <br />
<br />
Living Will<br />
A Living Will and HCPOA should be used in tandem, since one document complements the other. Your Living Will is a document that clearly expresses your desires. In short, your Living Will provides your medical team with instructions for how to carry out your wishes should you become incapacitated. For example, if you become brain dead, you can state in your Living Will that you wish to receive or not to receive life support. <br />
<br />
By creating a Living Will, you ensure that your desires will be carried out without court involvement that can be costly and stressful for your family. Criteria for enacting a Living Will vary by state; so make sure that you consult with an attorney to ensure that your Living Will complies with the rules in your state.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-90037088069360843122012-02-23T20:06:00.001-08:002012-08-23T20:07:46.615-07:00Is Online Trading In Your Future?<br />
So you've heard about the stock market right? How about the foreign exchange market or forex for short? What about day trading? Did you know that there are now very affordable ways to be your on broker by doing online trading? That's ok not many people who don't do this stuff every day know much about this otherwise excellent opportunity too make many investment dollars. So you are getting in at a good time before there is a glut of investors creating competition and parity and driving profit potential way down.<br />
<br />
In the foreign exchange people exchange their money into different (foreign currencies) according to how they think the economy of that country compares with others and/or the public perception there of. Just like in the stock market if you buy low and sell high you make money. And the potential is there to make a lot of money in online trading depending on how knowledgeable you are about international economies and how current events affect people and their confidence or lack thereof in any given economy. People who know the systems whether it is the stock market or foreign exchange and are therefore willing to invest and assume that risk, will make money.<br />
<br />
So how do you learn online trading? Well one way is to just strike out on your own and learn by making good and bad choices (hopefully more good than bad!) and weather those first few stormy years before they get good enough to be profitable. The other way (which I prefer) is to learn from those who have gone before and have made the mistakes learning valuable lessons. Basically if you can gain experience without the risks you can start out making a profit. Sounds great right? Sounds worth a small upfront and one-time cost to get this valuable knowledge?<br />
<br />
Let me assure you that it definitely is, but you have to be careful. Just like in the rest of life you have to discern between good and bad advice. So look at the track records of the people offering online trading advice. How long have they been at the game? Are they well known in the industry? Are they upfront people, willing to talk with you about their product? When you find this "mentor" latch on to their system and learn it well. This really is your best chance to have good success without the pain of large financial loss from stupid mistakes.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-13174235224111256182012-02-22T20:05:00.001-08:002012-08-23T20:06:36.222-07:00How to Concentrate in 4 Magic Steps<br />
One of the main problems that deter a person's success is their lack of concentration. Lapses encourage disturbances to get in the way and stall progress. If ones wishes to proceed on their road to success, it is imperative they learn how to concentrate. Here, we show you some easy to learn exercises that are easy to implement.<br />
<br />
1) Silence or Noise:<br />
Most people cannot concentrate when it is too noisy, but others work better with music or others in the midst of a crowded room. If you are not aware as yet what best suits you, then try out the different environments. How? Take a notepad and a pencil or pen with you and try and write down a letter in all the three circumstances in a set amount of time. Ten minutes. That is all you will need to determine where your source of concentration lies. How? Check not only for length but also for development as that is more important.<br />
<br />
2) Focal Point:<br />
Every morning, before you leave for work or on the way, stare at any object for ten minutes. You can do this while in the toilet, car or bus. You will find this difficult, but whatever happens, do not move your gaze away. Hold it. Wait. And then, as the minutes pass you will find yourself deeply meditating about things that happened to you yesterday or challenges you have to face in a few minutes. Congratulations. You have just conquered the art of meditation.<br />
<br />
3) Deep Breathing:<br />
In the beginning, you can do this while staring at the object from tip number two, but if you wish to move towards real concentration, do this separetly. Sit down on the floor. If its hard, place a cushion. Close your eyes. Breathe. Count the number of inhales. When you have reached 100, start counting backwards but this time count the exhales. Mastering this will take you a while, but once you do move on to other kinds of mathemathical calculations such as naming the months of the year from December backwards or alphabetically. After that, make up exercises as you like.<br />
<br />
4) Movement:<br />
Focus on an animal: cat, dog or even ant or bird. Follow their every movement as if they exist in a vaccumm. Study every tiny spot on their body. The point of this is to learn how to diversify your concentration in such a way that movement does not deter you from your goal.<br />
<br />
Conclusion:<br />
Practice the above four tips and like magic, you will start enjoying life to its fullest because you will be able to focus on the things you want to focus on and disregard those that disrupt. Practive the above tips daily and you will be that much more closer to achieving your dreams and goals. Best of Luck!<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-66066317129738395282012-02-21T20:05:00.000-08:002012-08-23T20:05:41.477-07:00Should You Pursue Lease Options To Purchase a Home<br />
The real estate market is a place where people can get very creative. This brings us to the rent with option to buy programs you see on the market. <br />
<br />
Should You Pursue Lease Options To Purchase a Home<br />
<br />
Leasing is a fairly popular form of living arrangement since it basically involves renting over a pre-set period of time, usually 3, 6, or 12 months at a time. Leases provide lower rates than a month by month rent. However, when looking to lease, one will often come across the “Lease Option.” A lease option is essentially the same thing as a lease except that it provides the option to purchase the property at a future date.<br />
<br />
The option is just that, an option. It may be an interesting offer for some renters, but others will want to pass it up. The option does not have to be taken, since there is a fee required to purchase the option. Although the amount can vary, the fee is usually up-front and paid when entering the lease. In general, lease options are offered in times of slow real estate markets, since generally owners of property look to simply sell during the hot times.<br />
<br />
There are some definite advantages and disadvantages when it comes to a lease option. On the downside, the lease option is rarely exercised and therefore it ends up being money wasted. Many people pay the money thinking they will buy later and then either lose interest or find they can’t qualify for a mortgage. When this happens, the money paid to purchase the option is lost and you will be wondering what you could have possible been thinking when you entered into the agreement.<br />
<br />
An area where a lease option is commonly used is real estate investment. In such a situation, a real estate investor believes he or she can flip the home in a short period for a profit. They find the lease option to be very attractive because it allows them to secure the home without dedicating significant cash resources to the deal. Once they purchase the option, they then start hunting for a buyer that will pay more than the seller is looking for in the original sale. If the investor can pull it off, they exercise the right to buy and immediately sell to the third party. In many cases, the two transactions will happen at the same time! This leaves the investor with a smile on their face and the original seller in a grumpy mood. <br />
<br />
As with anything, there are upsides and downsides to a lease option. For investors, it makes sense in many situations since it frees up cash flow. For people looking for a place to live and raise a family, it rarely makes sense.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-73015929442548444042012-02-20T20:03:00.001-08:002012-08-23T20:04:55.167-07:00What Is Inflation?<br />
That is a good question and one that unfortunately there has not been an answer that everyone agrees upon. The term is a general description of the decreasing value of a unit of money over time. Therefore if you were to have 5 dollars now and went out and buried it and left it there for fifty years you would not have as much purchasing power with that 5 dollars that you had back when you buried it.<br />
<br />
This is what scares lots of people into investing. You see in order to beat inflation and actually have something of their retirement savings when they need it most they will have to beat the rate of inflation with their money. One of the only ways to do this is to is to invest at a rate that beats the rate of inflation. This is often more than the rate that a typical savings account will get you even when you take into account the concept of compounding interest.<br />
<br />
So what determines inflation? It can either be described as the increasing prices for goods or services as measured by the consumer price index. Or it can be viewed in terms of the overall increase in the supply of money. This is often created by the government printing more money in order to meet the demands of a larger and larger (more global) demand for US dollars (for example). The government prints and ships this out to the world in order to better meet the demand and stop prices from falling.<br />
<br />
Who else, other than the government, has the power to change the rate of inflation? Well who else would it be other than the federal reserve. The federal reserve is a consortium of some of the top banks in our country who serve as a committee that decides where to set interest rates in order to enhance the economy and prevent recession. Lowering interest rates tends to promote buying and selling of goods and services on credit or loan. Increasing the interest rates on the other hand promotes the savings of dollars in the bank and is a sign of a stronger economy when this all happens.<br />
<br />
So what is the moral of the story? Well invest to beat the effects of inflation for one thing. And secondly don’t get bent out of shape by the increasing prices that are just a fact of life. No one can explain them and eventually they will probably be reset lower and that will be like the “fall back” of daylight savings terminology.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-16702668836883126202012-02-19T20:02:00.002-08:002012-08-23T20:03:44.707-07:00Protect Your Identity This Holiday Season<br />
With the holiday spending season fast approaching, it’s crucial that you understand the dangers of identity theft. Though many of the methods thieves use to steal identities are out of our control, there are many measures you can take to protect yourself from the threats identity thieves pose.<br />
<br />
Protect Your Credit Card Number From Prying Eyes<br />
<br />
When making purchases with your credit or debit card, make sure that only the last 4 digits of your card number are shown on the receipt. The first 12 digits should be unknown, and are usually replaced by Xs. If they aren’t, by law you are permitted to mark out the first 12 digits on the merchants copy with a pen. <br />
<br />
It is especially important that you check your credit card receipt at restaurants. Don’t leave the restaurant’s copy on the table after your meal if all 16 digits are shown. It’s best to cross out the first 12 digits and personally hand the receipt to the wait staff. Otherwise, you risk an identity thief walking away with your name, account number, and quite possibly your card’s expiration date.<br />
<br />
Only Use Your Social Security Number When Absolutely Necessary.<br />
<br />
Though it is necessary to use your social security number when applying for credit or opening a bank account, it isn’t always necessary that you use it in other circumstances. Although not that common nowadays, some stores and organizations may want to use your SSN as an ID number within their system. Though this practice is discouraged by law, you will still run across it from time to time. In these situations it is best to use your judgment. If for any reason you feel uncomfortable, there is usually an alternative available if you ask.<br />
<br />
Your Trash is Treasure to an Identity Thief<br />
<br />
The most important investment you can make in protecting your identity is a good paper shredder. Identity thieves won’t think twice about going through your trash in order to find sensitive personal information that will help them obtain credit in your name. Shred anything and everything that has personal information, such as credit card numbers, social security numbers, dates of birth, phone numbers, etc. Do it at home. Do it at work. <br />
<br />
The holiday season is a time for us to enjoy shopping for our friends and family. With every swipe of our credit cards, however, it is imperative that we protect our financial futures from the dangerous threats identity thieves pose.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-73367284166299558082012-02-18T20:00:00.001-08:002012-08-23T20:02:41.690-07:00Men, Women and Their Finances<br />
What do you worry about most when it comes to your finances and debt or your credit card repayments? It seems that men and women have different outlooks and think differently about their finances. A survey was carried out to see whether men and women thought differently or the same about their finances.<br />
<br />
Women tend to look at their current levels of debt while men tend to look to the future and are more likely to plan ahead when it comes to their finances. Women worry more about how they are going to pay off all their current credit card bills, store cards and loans along with their mortgage, shopping and living expenses with three quarters of women doing so, meanwhile less than 50% of men worry about the same thing. Only 13% of men know what their current debt levels are.<br />
<br />
While men are laid back about their current debt levels they are better prepared for the future. Men are better at investing their money with half of all men investing in an ISA while only 35% of women are doing the same. Only five out of ten of women have a savings account with men in the lead with six out of every ten. Three quarters of men are paying into a pension for when they retire while only half of women are preparing for their retirement.<br />
<br />
The only things that were found to be very little difference in when it came to our finances was the fact that both men and women have little knowledge of credit reports and how they work, although we think we do. Three quarters of men and women said they new what affected credit scores and how companies make their decision but nearly all got at least one question wrong when asked about credit reports. Only 5% of men and women have inspected their credit report in the last year.<br />
<br />
1 in 4 of people asked did not realize that late payments affected your score; just over 40% of people did not know that if you have asked for credit regularly then this can also affect your credit score. Three quarters of people wrongly thought that if you had unpaid household bills that this would affect a decision made by lenders. Unbelievably, 60% of men and 67% of women thought that credit reference agencies make the decisions about credit applications, whereas it is the credit card companies, banks and other lenders that make the decision.<br />
<br />
Knowing your credit score and understanding how credit scoring works is the only way to fully know where you stand financially and help you make better decisions about how and when you apply for credit.<br />
<br />
<br />
Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-43324478071366464432012-02-17T00:35:00.000-08:002012-08-10T00:36:39.738-07:00How To Get Out Of Credit Card Debt Much Faster & Save Lots Of Money – Without Filing For Bankruptcy!The most important lesson I learned about getting out of debt is that you'll NEVER get out of debt playing by the rules of your creditors. No matter what they say, they really don't want you to get out of debt.<br />
<br />
After all, the longer it takes you to pay off your debt, the more money they'll make.<br />
<br />
So trust me, you’ll NEVER get out of debt by just making minimum payments. Or by paying ridiculously high interest rates...or by paying late fees, overlimit fees, or any other fees charged by your creditors.<br />
<br />
How You Can Get Out Of Debt Faster, Too<br />
<br />
So, how do you pay off your credit card bills...especially when money is REAL tight?<br />
<br />
Work out an agreement with your creditors to pay off your credit card bills at a reduced amount. You'll be able to pay off your bills more quickly, and the credit card companies will get their money faster.<br />
<br />
This process is called debt negotiation, or debt settlement.<br />
<br />
Most people don't know this type of debt reduction is even an option - which is exactly what the creditors want you to think. (You'll also learn other strategies to help you get out of debt faster.)<br />
<br />
But believe me, debt negotiation really does work.<br />
<br />
Find Out If Debt Negotiation Is Right For You<br />
<br />
Debt negotiation is a more aggressive approach to getting out of debt (usually, you must be behind on your payments to get the creditors to agree to a settlement), and is not necessarily right for everyone.<br />
<br />
So make sure to ask lots of questions. And compare different programs. Then decide if it is right for you.<br />
<br />
My only regret is that I did not find out about this option until I had already paid my credit card companies thousands of dollars in interest!<br />
<br />
The most important point to remember is that you’ll NEVER get out of debt playing by the creditor’s rules.<br />
<br />
So take a few minutes to find out how you can pay off your credit card bills faster, and save yourself LOTS OF MONEY at the same time.<br />
<br />
If you're looking for a more traditional way to get out of debt, then debt consolidation may be the answer for you. You might not get out of debt as fast, but you still may be able to lower your interest rates and save yourself a bunch of money!Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-50179724750817286622012-02-16T00:32:00.001-08:002012-08-10T00:35:44.003-07:00Searching For A Financial AdviserThe market has so many investment choices that it can offer you, people tend to become overwhelmed just with the thought of them. It is important to have a plan, the discipline, and proper guidance when implementing any financial goals. There are many things within the market that can become extremely tempting, that they will come out with portfolio’s that are misaligned, thus resulting in high risks and poor performance within the market. <br />
<br />
Any person wanting to become involved with the market should seek out the council and advice of a financial advisor. This professional can help you meet your goals, as well as helping you protect the finances you have. A financial advisor that is a professional should have all the necessary expertise, qualifications, and tools that can help you focus on your long term goals.<br />
<br />
When searching for a financial adviser, you will want a person that helps you to build a plan according to the priorities you currently hold, as well as helping you build for the financial needs within your future. You should seek a person that is willing to meet regularly with you to make any adjustments that are necessary and monitor your progress. Here are specific qualities you will want to look for in your financial advisor:<br />
<br />
• Personally meet with you for discussion in how your finances are handling and deciding your goals for the long term.<br />
<br />
• Answer any and all questions that you have about the financial advisors experience, compensation, and qualifications in their area. <br />
<br />
• Reviews your plan in regularly scheduled sessions<br />
<br />
• Keeps you informed and current on all changes regarding your portfolio<br />
<br />
• Informs you of new opportunities of investments that could prove beneficial to you<br />
<br />
<br />
Your relationship with your financial advisor should be a personal one, you must communicate with him or her on a regular basis. You will need to convey to them many things such as your risk tolerance and your goals, as well as any other information the financial adviser may require. It is important that you both work easily together, will allow you to help meet your short term needs, as well as those for your future.<br />
<br />
When you meet with your chosen financial advisor you should be prepared to ask them any questions you may have, some of these questions should include:<br />
<br />
• The qualifications they possess<br />
• Experience they possess<br />
• Services offered<br />
• Their specific approach in financial planning<br />
• How many people you will work with in meeting your goals<br />
• Compensation for services<br />
• Charges for services<br />
• How their company is regulated<br />
• Services, fees, and plan in writingFinancehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-68480321858517246422012-02-15T17:44:00.000-08:002012-07-20T17:45:02.246-07:00Keep your financial troubles at bay – immediate personal loan!Procure immediate decision unsecured loans and execute your home revamp plans, consolidate your debts, ferry to your dream land or just repay your medical bills…the choice is yours. If instant decision on your personal loan is what you are looking out for…then instant unsecured same day loans is the right loan option for you. <br />
Interested borrowers can avail cheap instant personal loans to refurbish home, finance education, wedding, holiday or even to pay off your debts or bills. If you’re wondering how the personal loan process is completed so quickly, lack of security or collateral will answer your question. Fast Cash Personal Loan since unsecured personal loans don’t require you to pledge any property for the loan amount you can procure these loans without the hassle of any tedious property verification procedure or even long waits for loan approvals. Unsecured fast approval personal loans are available to both tenants and homeowners who are wary of pledging their property.<br />
<br />
Based on the rate of interest, personal loans can be classified as fixed rate personal loans and adjustable rate personal loans. However rates of interest on unsecured personal loans are normally higher than rates enjoyed by your counterpart who offers security for the loan amount. But you can overcome this problem by comparing unsecured loan rates online. Lenders outdo each other by offering lower and lower interest rates all in an attempt to attract borrowers. So why don’t you broaden your horizon by logging onto the internet and securing rates as low as 5.7 % APR?<br />
<br />
Not true…immediate cash loans poor credit guaranteed approval is approved without a collateral backed up. Run less risk with no collateral, no credit check immediate decision loans, what more can a tenant with poor credits ask for? Clear off all multiple unsecured debts with a guaranteed approval secured personal poor credit loan and fight out bad credits. Don’t just tackle debts but enhance your credit scores as well. Bad credit tenant or homeowner loans instant decision is here to help you out.<br />
<br />
You may need repairs or even a medical emergency can arise and leave you stranded. All you need to do is apply online. It is fairly easy to qualify for and get approved for. You just need to answer a few questions, provide verification of employment and banking information and you can be well on your way. It will not only give you cheap rates but up to thirty days to pay it off.Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-74079724210217638932012-02-14T17:42:00.001-08:002012-07-20T17:44:02.808-07:00Think Green around the homeThere are many things we can all do at home to help out our environment, the following are some tips from HG-TV that we could all use:<br />
1) Use that BBQ! You knew grilling was a healthy way to cook, but did you know it was good for the air? Outdoor grills take less energy than electric kitchen stoves. They also keep heat out of the house, lowering air conditioning costs. Stick with grills that use propane or natural gas; they emit 5.6 pounds of carbon dioxide into the atmosphere per hour while a charcoal grill belches 11 pounds of the air-polluting compound for the same. <br />
2) Upgrade your monitor! An LCD flat panel model uses as little as a third of the electricity of conventional tube-based models, saving you on your power bill the equivalent of leaving a 50-watt bulb on all year.<br />
3) Buy local organic foods. Organic food tastes better and it's kinder to the earth. Thirty percent of the fossil fuel used on farms goes into the making of fertilizers. Get greener by buying items grown or produced within 100 miles and you'll reduce the amount of diesel fuel needed to ship food. You can get fresher food and help small-scale agriculture by shopping at neighborhood farmers' markets <br />
4) Buy eco friendly paint. If you feel a little woozy after painting the bedroom with latex-based enamel, choose a product low in volatile organic compounds (VOCs) instead. New designer colors and improved quality make these safer paints equivalent to standard ones and they benefit your health as well as the planet's.<br />
5) Upgrade your light bulbs. You've heard that replacing old light bulbs with compact fluorescent ones can trim 5 percent from your monthly electricity bill. But this doesn't mean you have to live beneath the ugly glow of low-end fluorescent bulbs. Go for the premium fluorescents that cast a pure white or buttery golden light across your interior. The cost difference? Bargain basement fluorescent bulbs cost between $3 and $5; the higher grade ones cost $9 to $12. <br />
6) Talked to the garbage man lately? Chances are you're doing a few things with your recyclables that drive him crazy. Local recycling practices vary, but there are some universal no-nos. <br />
7) Shopping bags never go in your bins, even if they do organize the empty wine bottles nicely. Look on the bottom of your plastic items for a number and only put the articles with a 1 or 2 in your bin; most areas don't take the ones with higher numbers. Don't put light bulbs, broken glass, or bits of food in your bin, either. They gum up the process and make your waste professionals feel a little, well, tossed aside.Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0tag:blogger.com,1999:blog-8325787308991632889.post-85837068123780357462012-02-13T17:41:00.001-08:002012-07-20T17:42:41.901-07:00Shares - Should I, Shouldn't I?Buying Shares<br />
<br />
You should consider buying shares only if:<br />
<br />
* You have at least one year's income saved and available on demand<br />
<br />
You need to have instantly accessible savings to pay for the unexpected. The unexpected can include funerals, washing machines or repairs to the car after an accident. The unexpected is just that, and you do not want to have to sell your shares at a time when their value may be temporarily low just because you have no other savings to cover that essential expense.<br />
<br />
* You accept that share prices can fall and you might lose money<br />
<br />
Intellectually you know that prices can fall, but you need to accept this as something that can happen to you. You must be comfortable with the idea of losing a good part of your capital, should the market fall, or the fortunes of your chosen company go down.<br />
<br />
* You understand the stockmarket<br />
<br />
Only a fool invests money in something that he or she does not fully understand. It is only by understanding the stockmarket that the investor can work out when to sell and when to buy.<br />
<br />
* You have the time and ability to research which stocks to buy<br />
<br />
Research into a company's financial condition requires time and the ability to understand the company's accounts. It is no good relying on the stock picks from the Sunday newspapers, as so many do. You need to understand terms such as yield, Price/Earnings ratio, historical debt, and many more. If your understanding of theese terms is less than complete then you should consider investing in unit trusts instead and use the managers' expertise. Without this expertise you would be almost as well off putting your $5,000, or whatever, on a horse with a name you liked.<br />
<br />
* The time is right<br />
<br />
Consider timing your share acquisition to coincide with a general fall in share prices. Go against the herd. If there are few buyers then the price will be low and you will be able to acquire more shares for your money.<br />
<br />
Similarly, when the stockmarket is high and everybody and their dog is talking about share prices then consider selling, because these are signs that the market has peaked and is only rising because of its momentum, rather than because of any intrinsic increase in value of companies.Financehttp://www.blogger.com/profile/08492984088460511517noreply@blogger.com0