Monday, May 31, 2010

E-Banks that Accept US Casino Players

Recently, the US Federal government banned online casinos from operating in America by making it illegal to transfer money to them through any US bank or payment system. As a result of this law, most of the popular online casino networks such as Party Gaming and PlayTech left the United States. Overnight, online casino players found themselves being chased by the Federal government.

But, after a fortnight, the online casino industry came up with a solution and new online casinos started taking root. These began to operate under a different business umbrella, and by doing that, rendered the transfer of money to and from them legal. A major part of this was enlisting electronic banking systems that would accept this new clarification and start doing business with me. Listed in this article are the electronic banking systems that accept players from the United States that wish to play in online casinos.

The Payment Systems You Can Use:
1, 2) MasterCard and Visa:
The most popular credit cards in the world, you can use these for depositing money into your casino account. But, please note that the casinos do not deposit your winning through your credit card. They use one of the other electronic payment systems. This is also the biggest reason why you should refrain from using your personal credit cards today for gambling.

3, 4) Visa Delta, Visa Electron:
These are debit cards that one can use to deposit cash into their casino account. By debit card, it means that the money you pay through the card, is immediately withdrawn from your bank account. This is a comfortable option, but here too, you cannot receive money into it.

5) Neteller:
Based in the UK and traded on the London AIM Stock Exchange, this e-bank company is one of the major independent electronic banking entities in the world, and it allows players to transfer money to and from an online casino.

6) Neteller Instacash
This is Neteller's version of the Debit Card, and, in fact, it is just like any other debit card with one difference. To use, InstaCash, you have to pay a small amount. But, most casinos will offer to pay this for you, so read their regulations.

7) EcoCard
Based in the European Union, EcoCard offers a wider range of electronic banking solutions than the other e-banks. Other than the regular card and debit system, you can decide beforehand how to create a flexible financial account. Because they use a wide network of banks in Europe, transactions made through EcoCard are quick and efficient.

8) FirePay
This e-banking system is solely web-based and carries out its transactions just like a debit card. You place cash into your FirePay account, and then, you can use that money to pay or deposit into your casino account. While it will not cost you a dime to open an account, you will be charged a minimal amount each time you transfer money from your bank account to FirePay.

9) Moneybookers
All you need to open an account is an email address! This e-banking system uses transactions from your credit or debit card or your bank account to whichever company you wish to move your money to. Regulated in the UK and run by Gatcombe Park Ventures Limited, this is one of the relatively new e-finance companies that allow transferring money to online casinos.

10) eWalletXpress:
Owned and run by Navaho Networks Inc, eWalletXpress is a new electronic payment system that has been created to answer the need for US players to transfer funds to online casinos.

11) 900Pay:
This is a completely different e-banking system. Instead of charging your bank account or your credit card, 900Pay charges your telephone bill for all your financial transactions. This is one of the fastest methods of electronic payment because you do not have to go through a long and detailed sign up process. And, if you were wondering, this does work to fund your casino account.

Sunday, May 30, 2010

Easy Ways to Start Saving

The holidays can really have us searching for a deeper meaning -- one that tells how to make the dollars go further. There are easy ways to start saving money.

Start with the simple things. Eat out less, and stay home more often. Have your friends over for a movie night instead of going out on the town. Start a rotation. Have friends over to your house one weekend, and go to their's the next weekend. This way you both save without having to sacrifice your social life.

There are many ways to save money shopping for your children. All it takes is a little research. You can often find clothing at a consignment or thrift store for half of the original cost. But be careful -- you can often find the outfit new on sale for the same price. Once you have shopped around for a while, you'll learn where to look.

Set up a clothing swap with your friends who have children. You can hand down clothes to a younger child who will then hand them, and others, back down to your younger child.

There are other areas that you can save money when it comes to your children. You may have noticed that children love to draw. Instead of sacrificing your new office paper, let them use your used office paper. Simply stick a box in your office that you toss paper into. I do this. My children know to just get paper from the box and get busy. You can even re-use paper grocery bags for a change of pace.

Babysitting costs can add up. Wouldn't it be great to find a free babysitter? Try rotating sitting with your friends. We keep the kids on Friday night and our friends go out. On Saturday, we hit the town. Both couples get to enjoy a night out without the added expense of a babysitter.

Speaking of the weekends, don't blow all that you have saved on the weekend. You have worked so hard all week, so it's easy to think that you deserve a little fun. While that is true, there are ways to enjoy the town without spending a lot of money. For example, instead of going to the amusement park (which can cost a small fortune), go to a new park and ride bikes through the trails. Picnics, hikes and scavenger hunts cost little, but make lasting memories for your children.

One of the biggest ways that money is lost is through simple mismanagement. Credit cards do help make ends meet, but only temporarily. If you can't pay off the balance at the end of each month, you are going to be in a world of hurt in the future. Interest charges and minimum payments can stretch out a small amount of money into a long, endless repayment period.

Overdrafting your account is another example of lost money that you could be saving. Even if you have overdraft protection, the fees will cost you in the long run. If you have a $25 overdraft fee, and overdraft four times a month, you will lose $1,200 a year. Was it really worth it? What could have been purchased with $1,200?

There are ways to save money that don't take a lot of effort. It may seem like a little bit here and there is just useless. But it only takes 100 pennies to make a dollar.

Saturday, May 29, 2010

Easy Ways To Handle Bank Foreclosure

Recently, my significant other and I found ourselves facing bank foreclosure on our home. We knew it was coming. We had missed several mortgage payments while we were laid off from our jobs at the mine. Stupidly, we decided not to communicate our problems to the bank. We tried to make do with part time jobs at fast food restaurants, but trying to make all of our payments on time and still have money to buy diapers and food for the kids was very difficult. It was a scary situation to be in.

The first step in bank foreclosure is missing a payment. It does not matter why you miss that first payment, but the foreclosure ball starts rolling at that point. Once fifteen days have passed from your missed payment, the bank usually tries to contact you. If you do not talk to the bank, more problems are in store. Forty-five days later, the next step is taken. At this point, you are usually warned, in writing, that you are facing foreclosure if you do not take action immediately. If you allow another thirty days to pass with nothing, the formal paperwork will begin.

There are several steps you can take before the formal foreclosure process begins. All of these, though vary from state to state. In some states, you can file for bankruptcy. Most will allow you to keep your home as a protected asset. There are two types of bankruptcy you can file for. You can have your debts wiped out, or you can have your debts reorganized so you can continue to pay lenders as much as you can while still having money to survive on. Either way, the ability to file for bankruptcy and keep your home will depend entirely upon the laws in your state. Another thing you can do before the formal bank foreclosure process starts is talk to your lender.

Most lenders are willing to work with customers to lower payments temporarily, suspend payments for a few months until you get back on your feet, or make some other arrangements. Banks do not want to foreclose on people. There isn't some guy sitting in an office giggling manically thinking, "Hmm, whose house can I take today?" Foreclosures are just as much hassle for the bank as they are heartache for you. The final thing you can do before the formal bank foreclosure process begins is look for resources to help you within your state. Many states have foreclosure prevention associations that will provide you with the resources you need in this difficult time.

Even with the best resources in the world, you may still be unable to prevent the sheriff from showing up on your doorstep with a foreclosure notice and giving you a few minutes to get any belongings you can grab and head for the streets where you may be spending a very long time. The important thing to remember is to try to prevent this nasty process before it starts.

Friday, May 28, 2010

Bankruptcy 101

‘Bankruptcy’ the term that can raise the goose bumps of almost every individual who hears it and even a nervous breakdown to those who confront it. Bankruptcy stands for the situation when a person runs into huge debts and there is hardly any money left with him to repay those debts. The clouds of bankrupt situation can hover over anybody’s life be it a successful business man who has never ever fathomed it or any greenhorn entrepreneur who had thought of going a long way ahead.

There are several reasons behind this insolvency-

Indebtedness-people usually take big loans from the banks and private companies in order to run successfully their business or company. However, since the economy is constantly fluctuating, one might not be able to incur expected results or profits. So, the loan debt with interest rates gets piling on. The loan can also be taken to pay off a bill that you missed paying. The loan is taken instantly in this case without an assessment of the interest rates. This can be cause snags later.

The credit card bills are also a source of trouble. They are charged with good interest and at the end of the month when the expenditure has chewed your month’s income; the credit card bill can make you bite the dust.

In the world today where fraud and betrayals are considered to be the bets virtues, any partner or shareholder or director might connive to pitch the company or business to bankruptcy. Here the reasons can be mutual squabbles and vengeance.

Gradual denouncement from the market- the commodity you sell today at price X, may be sold tomorrow by some other company at a much cheaper price Y. This can oust or eject your product from the market replacing it with a relatively cheaper one.

However, where there is a will, there is definitely a way. Just as there are two sides of a coin, there are two aspects attached to everything. When you glare at the negative side of the situation, its positive aspect is lurking behind according to which bankruptcy can be seen a situation that provides you a golden chance to start things afresh.

This is done by filing your application for bankruptcy, in a way seeking help from the government to help you overcome the disaster. Once you forward your application and it is accepted, the government repays most of your debts. This becomes possible by taking hold of your assets and dividing them amongst the creditors in an organized manner. But the debts that are associated with embezzlement or those huge ones that cannot be covered up via one’s assets can be problematic. In case of businesses filing for bankruptcy, certain procedure has to be followed up.

Besides this there are a few debt consolidation services that advertise themselves through television, print media etc. Debt consolidation signifies using a loan provided by that service to repay other debts. This loan is comparatively at a lower rate of interest and it often becomes easier for many to repay one loan instead of five to six ones.

In any case, if you are seeking financial aid from the government, banks, services etc., there stands the barrier of qualification. It is that you should be able to prove the service or the bank that your case is authentic and not a fraud. In order to escape future troubles, the government has formulated strict laws and eligibility criterion in this area.

However, in any case it is better to seek the advice of an advisor before seeking help to make up your crisis. This will not just educate you about all the related terms and conditions but also the possible legal and financial consequences. Just keep in mind that help always comes to those who are look for it with a true heart.

Thursday, May 27, 2010

Bankrupt! But Still Receiving Credit Card Offers

Those who have bad credit or who have recently filed for bankruptcy may be surprised to find that they are still receiving numerous credit card offers. This has become a well known issue, and it is apparent that banks either don't know or don't care that the people they are sending offers to already have bad credit. In most cases, banks and credit card companies don't take the time to research people they send offers to.

While most credit card companies are partial to consumers who have excellent credit, some companies have programs that are directed towards those who have little or no credit. Despite this, credit card companies should still not be sending offers to consumers who have filed for bankruptcy or defaulted on their credit cards in the past. In most cases, banks are either intentionally sending offers or just don't know about the credit history of those they mail offers to.

Traditionally, credit card companies have used a business strategy that is very profitable. They would charge consumers 19% interest on the money that was borrowed, and they would also charge an annual fee that could be a high as $20. Combine this with the money the received from retailers who accepted their cards, and you are looking at an industry which generates billions of dollars each year. During this time, banks were cautious about who they gave cards to, because they couldn't afford to suffer heavy losses.

By the 1990s, banks begin to have access to detailed credit information about their customers. Institutions like Equifax, TransUnion, and Experian allowed banks to make specific decisions about customers who applied for credit cards. With this technology, you have to wander why credit card companies would send offers to anyone, including those who have filed for bankruptcy. The answer is because it is cheaper to mass mail cards to thousands of consumers rather than look for specific individuals who qualify.

It is best for those who have bad credit to avoid applying for these offers. If you get denied, you can be hurt even more, and you should want to repair you credit. If you want to avoid all credit cards, it may be a good idea to look at prepaid debit cards, which can be used like credit cards without the problems often seen with them. The use of credit cards is important in the US, and if you can't apply for one there will always be other options.

Wednesday, May 26, 2010

Banking Online Has A Great Deal Of Advantages.

Online banking is one of the newest internet fad, with millions of users flocking to their personal computers to pay their bills online. With a variety of advantages, such as convenience and simplicity, it is no wonder that so many are enthralled by this current trend.

To pay bills through a virtual banking system, you need a personal computer, access to the world wide web, and in some occasions, software provided by your local bank. A broad percentage of the larger banks now offer completely functional internet banking free of charge, or for a small fee. The more progressive banking websites even give you the opportunity to view your different credit card accounts, inspect your brokerage accounts, and get stock quotes for free.

Small banks will allow you to see your account balance and history, but you will not be able to make payments. Making transactions and paying bills online can be virtually effortless. To begin, you will need to create an address book on your computer that lists all of the the companies that you will be paying. When you receive a virtual statement, select a payment amount and the date that you would like it to be paid.

Then, click; the rest is up to your bank. It is that simple. A positive aspect for most people is that a majority of payment programs will allow you to schedule to pay your bill in advance, according to the billing cycle. What does this mean for you? No more late payment charges!Banking online has a great deal of advantages. For one, banking websites are open 24 hours a day, seven days a week; they never close! Also, you have access to your banking account from anywhere in the world.

All you have to do is find a computer, the web, and are banking. You never have to worry about security. You can be assured that online banking websites are furnished with secure servers. And almost any banking site can perform a transaction faster than your average ATM.

Virtual banking websites now allow you to manage a variety of your accounts such as securities and IRAs.With the advantages come the disadvantages. If you are not familiar with the internet or personal computer, navigating a banking website may be tricky at first. You must tutor yourself, and learn all of the basic aspects of the online banking system.

Another unsatisfactory detail is the time it takes to actually get your online banking account set up. You must first go to your local branch and supply identification and complete forms. Once this is completed, you are given a user id and password for the actual website. Then, you are finally ready to begin your adventure in the online banking world.

Tuesday, May 25, 2010

Banking Machinary

Capital, then, is wealth invested in industry, finance is the machinery by which this process of investment is carried out, and international finance is the machinery by which the wealth of one country is invested in another.

Let us consider the case of a doctor in a provincial town who is making an annual income of about L800 a year, living on L600 of it and saving L200. Instead of spending this quarter of his income on immediate enjoyments, such as wine and cigars, and journeys to London, he invests it in different parts of the world through the mechanism of international finance, because he has been attracted by the advantages of a system of investment which was fashionable some years ago, which worked by what was called Geographical Distribution.

[2] This meant to say that the investors who practised it put their money into as many different countries as possible, so that the risk of loss owing to climatic or other disturbances might be spread as widely as possible. So here we have this quiet country doctor spreading all over the world the money that he gets for dosing and poulticing and dieting his patients, stimulating industry in many climates and bringing some part of its proceeds to be added to his store. Let us see how the process works.

First of all he has a bank, into which he pays day by day the fees that he receives in coin or notes and the cheques that he gets, each half year, from those of his patients who have an account with him. As long as his money is in the bank, the bank has the use of it, and not much of it is likely to go abroad. For the banks use most of the funds entrusted to them in investments in home securities, or in loans and advances to home customers. Part of them they use in buying bills of exchange drawn on London houses by merchants and financiers all over the world, so that even when he pays money into his bank it is possible that our doctor is already forming part of the machinery of international finance and involving us in the need for an explanation of one of its mysteries.

A bill of exchange is an order to pay. When a merchant in Argentina sells wheat to an English buyer, he draws a bill on the buyer (or some bank or firm in England whom the buyer instructs him to draw on), saying, "Pay to me" (or anybody else whom he may name) "the sum of so many pounds." This bill, if it is drawn on a firm or company of well known standing, the seller of the wheat can immediately dispose of, and so has got payment for his goods. Usually the bill is made payable two or three, or sometimes six months after sight, that is after it has been received by the firm on which it is drawn, and "accepted" by it, that is signed across the front to show that the firm drawn on will pay the bill when it falls due.

These bills of exchange, when thus accepted, are promises to pay entered into by firms of first-rate standing, and are held as investments by English banks. Bills of exchange are also drawn on English houses to finance trade transactions between foreign countries, and also as a means of borrowing money from England. When they are drawn on behalf of English customers, the credit given is given at home, but as it is (almost always) given in connection with international trade, the transaction may be considered as part of international finance.

When they are drawn on behalf of foreign countries, trading with other foreigners, or using the credit to lend to other foreigners, the connection with international finance is obvious. They are readily taken all over the world, because all over the world there are people who have payments to make to England owing to the wide distribution of our trade, and it has long been England's boast that bills of exchange drawn on London firms are the currency of international commerce and finance.

Some people tell us that this commanding position of the English bill in the world's markets is in danger of being lost owing to the present war: in the first place because America is gaining wealth rapidly, while we are shooting away our savings, and also because the Germans will make every endeavour to free themselves from dependence on English credit for the conduct of their trade.

Certainly this danger is a real one, but it does not follow that we shall not be able to meet it and defeat it. If the war teaches us to work hard and consume little, so that when peace comes we shall have a great volume of goods to export, there is no reason why the bill on London should not retain much if not all of its old prestige and supremacy in the marts of the world. For we must always remember that finance is only the handmaid of industry. She is often a pert handmaid who steals her mistress's clothes and tries to flaunt before the world as the mistress, and so she sometimes imposes on many people who ought to know better, who think that finance is an all-powerful influence.

Finance is a mighty influence, but it is a mere piece of machinery which assists, quickens, and lives on production. The men who make and grow things, and carry them from the place where they are made and grown to the place where they are wanted, these are the men who furnish the raw material of finance, without which it would have to shut up its shop.

Monday, May 24, 2010

Banking and savings – customer service and reputation forefront in decision-making.

52% of us have moved our savings because we were unhappy with customer service, according to the latest user polls. 42% of us have avoided a particular account provider due to a friend’s bad experience.

With bank account providers, 46% of us have moved current account because of bad customer service and 45% have avoided a certain bank because of a friend’s bad experience.

Accessing our banking and savings via the internet is becoming increasingly popular but still many of us prefer to pick up the phone or visit a branch. Our finances are something that we need to take seriously and can cause a lot of stress. This means when we want to discuss them or need help, we need to be treated fairly and receive a good service.

Banks are continually being slated in the press for unfair charges and for things such as going overdrawn. This, along with hearing about people close to us having had a bad experience, would be enough to put many of us off choosing a certain account provider. However important good service is to us, we should still be aware of interest rates being offered by different providers.

The average rate of interest paid on current accounts is 1% gross on a balance of £1. However, current account best buy charts on show that rates of over 4% can be earned on these accounts. Banking facilities should also be looked at when choosing your current account. For instance, is it important to have a branch near to you? Do you want to use internet banking?

As well as these things, if you use an overdraft on your current account it is wise to compare rates of interest on these. Moneyfacts’ research of overdrafts shows that some providers are charging EARs (Effective Annual Rates) on authorised overdrafts of over 20% and for unauthorised overdrafts over 30%. Again, best buy charts on show that better deals are available with rates on authorised overdrafts as low as 0% (introductory) and unauthorised at under 6%.

Rates on savings accounts also vary greatly. On no notice accounts at £1,000 the average rate of interest is around 2%. The savings best buys charts show that rates of over 4.5% can be found. Again, account facilities should be considered.

Sunday, May 23, 2010

Bank Of America Online Banking

Bank of America online banking is available to any customer who currently does business with the bank. Participation in the Bank of America online banking program is free and easy to set up.

One feature that sets the Bank of America online banking program apart from its competitors is the way it handles bill payments. You’d think a lot of data entry would be required, but that’s not the case. The program already knows the billing addresses of the most commonly used payees.

To set up a payee such as your electric company, start by accessing the built-in list of payees that the Bank of America online banking program maintains. The program already knows the names of the major players in the community and maintains the names and billing addresses that most customers are likely to use such as electric, cable, and utility companies, area department stores and local major financial institutions. Pick the payee from the list, enter your loan or account number and in seconds, that payee is set up.

If the payee does not exist in the list, you enter payee details one time, and you never have to deal with a payee again until there’s a change in address or other account details. When you have all your payees entered, they appear listed in alphabetical order. Next time you open the Bank of America online banking program to pay bills, you select the payee, enter the amount due and the day you want the payment to show up at the payee address.

Now here’s the cool part about the Bank of America online banking bill paying option. The money for the payment is not debited from your account until the payment arrives at the payee billing address. Most other bill paying options debit the money the day the payment is mailed not delivered, meaning the bank has 4 – 7 days to earn interest on your money! So in effect, you actually earn money by using the Bank of America online banking option.

Saturday, May 22, 2010

Balance Transfer Tips – Maximizing The Benefits of Transfers

While transferring your balance from a high interest credit card to one with a low interest rate is easy, there are certain things that should be taken into consideration. The first thing you want to do is look at your current credit standing. If you have a good credit history, you should have no problem getting a card that has a 0% interest rate. Once you get this card, you can transfer over your balance from the high interest credit card to your new card that has a 0% interest rate.

By doing this you can save hundreds or thousands of dollars each year. When you decide to conduct a balance transfer, it is also important to determine how much you want to transfer. If you have a balance that exceeds $10,000, it is unlikely that you will be able to move over the entire amount to one card. Many credit card companies will give you a limit on how much you can transfer. Even if this is the case, moving over as much as you can will allow you to immediately begin saving money.

Some people become discouraged when they realize they can't transfer over the entire amount, but this is not the right attitude to have. Paying off a large credit card balance won't happen in one day, and it is important to take your time and use discipline. Another thing you will want to consider is the fee that may be charged if you transfer funds. A typical fee will be 3% of the total amount transferred, and this could be a large amount depending on the amount you want to transfer. Some banks have solved this problem by placing a limit on how much they charge in order to transfer a balance.

While transferring your balances can be a smart move, the best way to avoid debt is to stay disciplined and avoid putting more money on the card. It is important for consumers to realize that they, not the credit cards, are the problem. Properly managing your personal finances is the best key to avoiding debt. Many wait until they are in excessive amounts of debt before they try to do something to correct the problem.

They come up with ingenious ways to pay off their debts, but fail to realize the underlying cause of the problem. Consumers have to realize that credit cards are tools that can help or harm them. While they are convenient to use, not using them properly can lead to severe problems.

Friday, May 21, 2010

Balance Transfer Help; What To Do?

Considering a balance transfer? Help in understanding whether or not to make this move is necessary. Unless you are a financial scholar, it all seems like too much to grasp. Should you transfer your balance to a new loan or should to maintain what you already have? There are many things to consider and here, we’ll give you a little balance transfer help that may just allow you to make a decision.

First, consider your interest rate as well as the amount of principal you have. Many consolidation loans or refinances, will allow you to transfer your current balance into that of a new loan. But, this can hurt you. If you borrow a sum of money and pay it off, the principal will lower with each payment. To know whether or not a balance transfer will be useful to you, you will need to find out what the total payments will be on your loan including interest. If you transfer to a lower interest rate but increase the duration of the loan, you may lose money. But, if your principal amount is still high, this can be an excellent way to save money on interest.

To know whether a balance transfer to a new loan can help you, it is often wise to use a trustworthy financial consultant to help you understand your specific need and the value of your loan. While many of these loans can be very good choices, especially when you need to purchase a new car and are carrying a balance, careful management of the loans can keep you out of financial tightness. Balance transfer help can be provided by financial consultants or even the trustworthy banker.

There are also many information portals now devoted to the subject and we recommend reading about it at one of these. Try googling for “balance transfers” and you will be surprised by the abundance of information on the subject. Alternatively you may try looking on Yahoo, MSN or even a decent directory site, all are good sources of this information.

Thursday, May 20, 2010

Balance Transfer Credit Cards FAQ

When it comes to using balance transfer credit cards, many consumers are filled with questions and concerns. While there are many benefits to using a balance transfer credit card, it is always best to have these questions answered and the concerns satisfied before moving forward with applying for one of these cards.

How Can Balance Transfer Credit Cards Save Me Money?

Balance transfer credit cards can save you money by reducing the amount of finance charges you pay every year. If you transfer even a small amount of money, such a $1,000, from a card with a higher APR to one with a lower APR, you will see a difference. For example, if you have a credit card with a 20% APR, you will pay $200 per year to maintain that $1,000 balance. On the other hand, you will pay only $80 on that same balance if you have a credit card with an 8% APR. That is a savings of $120! Imagine how much you will save on larger balances.

Even better, the best balance transfer credit cards offer 0.00% introductory APRs, which means you will pay no finance charges while that introductory period is active. With some balance transfer credit cards, this special rate remains in place until the entire amount you transferred is paid off.

What is an "Introductory Rate?"

An introductory rate is a special APR that lasts for a limited time. Often, the length of time this rate is in place is determined by your credit history. The introductory rate can be in place for as long as one year, though more common durations are six months, three months, and one month.

What is a "Fixed Rate?"

A fixed rate is a rate that does not change. Balance transfer credit cards with a low fixed rate may not offer a 0.00% introductory APR, but they might offer a 7.99% APR that remains this low no matter how long it takes you to pay off your balance, rather than skyrocketing up to 19.99% after the introductory period is over.

Why Does Everyone Say Balance Transfer Credit Cards are More Convenient?

Many people feel balance transfer credit cards are more convenient because it places all of your debt in one place. This makes it easier to track your expenses, to create a budget, and to get your bills paid on time.

Is it OK to Pay Only the Minimum Payment on My Balance Transfer Credit Card?

From a legal standpoint, all you are required to pay on your balance transfer credit card is the minimum payment. From a financial standpoint, however, this is a bad habit to get into. If you pay only the minimum payment, it can take you decades to pay off your debt - and that assumes you are not adding any more debt to your balance. So, if you want to get out of debt (and who doesn't?), it is best to pay off more than your minimum payment. Set up a budget that allows for regular payments above your minimum payment to be sent to the credit card company - and stick to it.

Will a Balance Transfer Credit Card Get Me Out of Debt?

Yes and no. If used alone, a balance transfer credit card will not get you out of debt. If you transfer all of your credit card balances to your balance transfer credit card and pay only the minimum payment, it can still take you years to pay off the debt. Therefore, a balance transfer credit card should be viewed as one tool in you tool belt for helping you work your way out of debt. If used correctly and to its fullest advantage, it can help you get out - and stay out - of debt.

Wednesday, May 19, 2010

Bailiffs and Council Tax - Know Your Legal Rights

Many of us do not know how bailiffs work to collect arrears. Basically, bailiffs are private personnel hired by the local council to handle Council Tax and Poll Tax. Anything that they get from you is auctioned as a way of paying your existing debt. This process of taking your goods, selling them, and paying your debt is called "distraining" or "levying".

Since October of 1998, the County Court ruled that bailiffs must carry a certificate with them as a proof that they have been hired by the local council. Any complain about a bailiff not following this order can be brought to the attention of the court immediately.

Since April of the same year, a process involving bailiffs and debts has also been at work. This process states that you, as a debtor, must get a letter from the Council which contains the details of your credits. The same notice would bear the warning that if ever you fail to pay your financial obligation within 14 days, bailiffs will be sent to your aid. You may contact a member of the local council within the period for your concerns. You can also make suggestions to the council about the most convenient payment scheme that you can afford. If the council approve of your suggestion, they will ask the bailiffs to stop calling you and save you extra fees in the long run.


One thing that you must know about bailiffs is that you do not have the responsibility to take them in whenever they come. In fact, you can choose not to let them inside your home. If the bailiffs have never been into your home, they have no right to come in at anytime of the day. It is also unlawful for them to break in.

As a form of precaution, avoid the following scenarios:

- Do not open your doors to the bailiffs. Once you entertain them, they will have the power to push past you. If they get inside, they will have the right to enter again and take more of your goods.
- Do not leave your doors and windows unlocked because bailiffs can easily take advantage of any kind of opening. As they cannot ask the police to help them break in, your carelessness is their only ticket.
- Do not fall to any kind of trap. Bailiffs can make several bluffs like asking to use the toilet or the telephone just so they can lure you towards letting them in.
- Do not leave your valuables lying around. Bailiffs can easily take away anything valuable that they lay their eyes and hands on. Make sure that your cars are always shielded from view.
- Do not make transactions inside your home. If you have a certain amount to pay the bailiffs out for your debt, do so but make sure that you transact outside. Do not forget to take a receipt as well.
- Do not sign anything that the bailiffs ask you to. The bailiffs do not have the right to make you sign any sort of document, whether it was left posted in your door or handed out to you personally.


If you allowed the bailiffs go inside your home at once, you are in for a more serious situation. Once bailiffs are let inside, they will have the right to come back again. If you choose not to let them in the second time, they will have the right to break in. What you can do to repair this problem is to get in touch with your local council immediately or make the necessary arrangements with the bailiffs. You can ask your local councilor for help or you can devise a specific payment scheme that you can afford and present it to the bailiffs. If they agree on your terms, you can prevent them from coming back and take any more of your things. Also make sure that you take a receipt of your every payment to be on the safe side.


Most of your valuables can be legally taken by the bailiffs except for the following:
- Anything that was rented or hired.
- Items or equipments that are necessary for your personal and professional use.
- Your basic daily needs such as clothing, bedding, and furniture.

You will notice that exemptions are not really item specific. The bailiffs may have different interpretation of which items they can take legally or not. If you feel that what they have taken away should have been exempted, you can file an appropriate complaint in your local council.


It has been clearly established by the law that the bailiffs can only take what are legally yours. This include items that you co-own with your partner. If the bailiffs attempt to take anything that you do not own, politely tell them about the item's ownership by showing receipts or proofs of purchase that will indeed tell them that it is not yours. Also, the owner of the goods can make a sworn statement or a statutory declaration about the real ownership of the items.

Other things that bailiffs cannot take are the ones that are rented or hired. Make sure that you keep a copy of your agreement with the real owner so the bailiffs will not take them away.


It is legal to hide your valuables if the bailiffs have never been inside your home. Once they step in, however, they will list all the items they intend to take. If you try to hide any of those things elsewhere other than your home, you will be committing an offence that is punishable by the law. If you are able to keep the items discreetly out of sight, the bailiffs can rightfully search for them on visits.


The good news is that bailiffs cannot break inside your home just like that. They are also covered by certain laws and procedures that they must adhere to including the following:
- Bailiffs must bring with them a written authorization or a certificate from the local council.
- Bailiffs must hand you a copy of the "Enforcement Regulations" which contain information on what they are only allowed to do.
- Bailiffs must also bring with them a statement of charges that they can take with each visit. They should never make additions to blow up your debts.
- Bailiffs must also bring with them a "Walking Possession" agreement duly signed by you. This agreement contains the list of items that they have warned to take right from their first visit.


The most effective measure to stop the bailiffs from taking away your things is to make an arrangement on how you can pay your debt. Devising an effective installment plan will be beneficial for you especially if the bailiffs have never been into your home. Offer only what you can afford to pay to prevent any form of misunderstanding to take place.

The bailiffs cannot send you to prison. If they fail to break into your home, their most appropriate action is to pass your debt back to the council. If this happens, it would be much easier to settle the problem. You better take this as a priority debt because if you do not act on it immediately, the council will find another way to recover the money. They can file an Attachment of Earnings Order, which will take out money from your earnings or other form of order that will summon you to pay your financial obligations dutifully.

In some instances, the council may agree to exempt your case from bringing it to the bailiffs' attention. The council allow direct payment schemes for those who are on Income Support, Pension Credit, and Job Seekers' Allowance. Better yet, ask the council whether they can take back your case from the bailiffs so you can deal with them directly. Your local councilor can help you make the deal with the council. Explain your reasons and whatever difficulty it will bring you in case the bailiffs break into your home and take your things to stand a chance for a consideration.


There are Enforcement Regulations that the bailiffs must adhere to. However, the National Standards for Enforcement Agents issued by the Lord Chancellors Department is quite tricky. Although it provides specific guidelines on bailiffs' behavior in carrying out their duties, mentioning these standards in your complaint may be or may not be beneficial to you. You can look out for the standards yourself through the Department for Constitutional Affairs website


The law concerning the bailiffs is complex but you can start learning it through by reading the law yourself and trying to understand every bit of technicalities in it. Your personal effort, however, may not be sufficient. If you can, it would be best to get a legal advice on what you can do against what you feel is unlawful action of the bailiffs.

Since October 1998, the bailiffs need to act with a certificate at hand. This certificate to collect Council Tax must be granted by the court. Filing a complaint against the bailiffs can have their certificate withdrawn and their right to enter your house forfeited. To file a complaint, you can write a formal letter to the Court Manager so he can administer a hearing. Once the court find substance in your complaint, it can rule out to cancel the bailiffs' certificate, order compensation as well as return of the surrendered goods. Some cases acted favorably to the complainants where their debts have been written off due to the bailiffs' illegal acts. This is one of the reasons why you should not take your complaint sitting down. Once you discover an irregularity, you must rush to the Magistrates Court to file a complaint.

The bailiffs report directly to the council and it would be ideal to bring your case there. Once it receives your complaint, it must order the bailiffs to change their procedures. If this do not work, you can call the attention of your local councilor or your local government Ombudsman to look through your case.


If the bailiffs are asking for excessive charges, you can use it as a case for complaint. You can make a written notice to the council telling them that what has been taken from you may be way too much. You can also seek advice from the County Court regarding the appropriate fines the bailiffs can charge you.

Your common sense and your knowledge on local processes can also be useful in determining what amount of fine is reasonable and what is not. If, for example, the bailiffs charged you £80 for attendance with a van and hiring a van costs only £40, you are obviously charged unfairly. When such circumstance takes place, you can instantly call the attention of the bailiffs. Warn them that you will take further action for your complaint to be recognized if they refuse to follow the regulated schedule.

Submit a written complaint to the council so they know how the bailiffs are illegally carrying out their duties. Other than that, you can also apply for a "Taxation" in the County Court. This kind of application will ask the court to look through your complaint within 12 months after which they should submit a decision whether the bailiffs charges have been excessive or not. If the court decides against you, you will be held liable for the bailiffs' firm's court costs. That's why you must be careful in taking such action. Please remember, however, that making complaints is worth your every effort especially when you are loaded with evidences that will prove that the bailiffs stepped out of the line.


The Secretary
Association of Civil Enforcement Agencies
Kensington House
33 Imperial Square
Tel: 01242 241456

The Secretary
Enforcement Services Association (ENSAS) (formally The Certificated Bailiffs Association)
Ridgefield House
14 John Dalton Street
M2 6JR
Tel: 0161 839 7225

Local Government Ombudsman (England)
Millbank Tower
London SW1P 4QP
Advice Line: 0845 602 1983
Monday to Friday, 9.00 am - 4.30 pm
Note: There are a total of three local government Ombudsman offices for England. You may check whom to send a complaint by calling the Advice Line.

Local Government Ombudsman (Wales)
Derwen House Court Road Bridgend
CF31 1BN
Tel: 01656 661 325

Tuesday, May 18, 2010

Bad Debt Loans- Old Days Are Gone Now

There was a time when lenders use to see bad credit holders as potentially risky customers to lend money to. But with the increasing number of people having poor credit, lenders started seeing a huge potential of market in there and came up with financing plans especially for adverse credit holders.

A person can get bad credit tag due to defaults in previous debts, arrears, declaration of bankruptcy, CCJ etc. it means that credit rating of that person is below 620 which is not seen as a good one in loan market. But loans for bad debthave totally reversed the situation enabling bad credit holders also to secure cash when they need it.

Use of loaned amount
These loans can be taken in any form – bad credit home loan, bad credit car loan or bad credit personal loan etc. and use of the money depends on the which scheme you have applied for. But you have a certain degree of freedom to use the money wherever you want.

The types:
These loans can be secured in secured or unsecured forms. In case of secured ones collateral has to be placed against the money and it will help to negotiate with the lender to certain degree. But with unsecured bad debt loans there is no need of any security.
These loans can be applied for either long term or short term scheme. In case of the first one, money can be repaid within 10 to 25 years and rate of interest rate will be less. But with short term repayment term will be 3 to 5 years and interest rate will be high. Being, regular in repayment will help you to improve your credit score.

Any amount in the range of £10000 to £25000 can be secured. Interest rate will vary from lender to lender. These loans are available in banks, private loan lending agencies or from online lenders also.

Monday, May 17, 2010

Bad Credit Mortgage Refinance Loan

The loan market is quite a tough ride for those borrowers who are facing bad credits. That is because not all the lending companies offer loan to the borrowers with bad credits. Generally, the lenders who offer to give a bad credit mortgage refinance loan charge a very high rate of interest than the regular loans. The terms and conditions of these bad credit loans are also very rigid. It does not help at all to get a bad credit mortgage refinance loan but the borrowers do not have any other option left for the pressure of the situations.

Borrowers who own a property, which is worth a good deal, can secure a loan from the bank in case of bad credits. But people without anything to show as collateral or any asset can have a tough ride while applying for a bad credit loan.

Finding the Right Lender for Bad Credit Mortgage Refinance Loan

Finding a lender to secure a bad credit mortgage refinance loan is a tough job. Generally, the banks would not like to refinance a bad credit borrower and even if it does the interest rates will be sky high and the terms and conditions for the repayment of the loan will not at all support the borrower in any way. It might even make the scenario much worse than it was before.

The borrower has to look for a lending company who offers these kinds of loan. An online search may turn out successful. Bargaining on the interest rates may lower down the interest rates a little bit, but it would not help the borrower as much as a regular loan could do. The borrowers may apply for a bad credit mortgage refinance loan online filling out a loan application form but has every chance of getting rejected. The lenders will check on the credit history, which might turn out wrongly for a bad credit borrower. Finding the right lender helps the borrower to repay his mortgage loans or credit and also improve his financial status, which has gone down considerably due to bad credits.

Making Amendments to improve Credit History with Bad Credit Mortgage Refinance Loan

A bad credit can happen due to various factors like job loss, irregular payments, unwanted expenses, huge medical expenses and many others. But a borrower must do everything possible to raise his credit scores. If a borrower could secure a bad credit mortgage refinance loan he should repay all his debts and hence improving his credit records for future loan requirement. A borrower can even wait for sometimes and improve his credit scores and then apply for a regular loan. This will give him the privilege of acquiring a regular refinance with favorable interest rates and easy terms and conditions for repayments.

A Brief Overview

Bad credit is never desirable to anyone and to avoid such a situation one has to be particular about the repayment time. Paying in time helps to keep the credit records high and thus making the person more eligible for a refinance or a second loan easily.

Sunday, May 16, 2010

Bad Credit History? Need A Mortgage?

Imagine this. You see that beautiful bungalow while driving past the marina. Your heart asks you to get out of the car, pay a visit to the seller and buy the house immediately. But then you realize that your wallet is not as fat as you would expect It to be. This results in you applying for a mortgage loan on your current property. Now the first question to hit your mind will be about your credit history. You must be asking yourself whether the lender will grant mortgage, keeping in mind your bad credit history. Want to know more??Well, read on to find out.

Several people face inadequacies which do not permit them to repay their loans, which results in a bad credit history. Credit history is a record of your past credit details. It also includes your non payment of debt and credit arrears. Many people, who have previously defaulted in payment of bills, have a bad credit history. Generally, lenders are not very keen on favoring borrowers with bad credit history. Also, lenders are very strict in not offering mortgages to people who have been bankrupt before. But there are some lenders who offer mortgages for people with bad credit history. This is known as a sub-prime mortgage. Bad credit loans may seem very enticing. The borrower has to give a cheque to the lender, assuring him of repayment. The interest rates associated with sub-prime mortgages are very high compared to other mortgages. While going for a subprime mortgage loan, ensure that interest rates are not too high or else they will worsen your credit condition and that is the last thing that you want. Subprime mortgage rates can range from around 7% to 13% and therefore it is absolutely important that you are under the least obtainable interest rates. So ensure that you do your homework before approaching the broker. Due to bad credit history, lenders demand a higher down payment before procurement of the mortgage. If you are able to afford this down payment, then the monthly interest rates will be lowered, thus improving your credit history. The best way for you to obtain your subprime mortgage loan is through a mortgage broker. A broker will guide you through all the formalities that have to be completed. But there are some downsides to subprime loans as well.

Interest rates generally tend to increase as the year progresses. This proves to be a real problem for those who are just able to manage the current interest rates. An increase in rates can result in disaster, and if a large number of borrowers end up in such a position, a crunch situation is created and affordability related problems are brought out onto the forefront. Also prepayment penalties will keep you stuck to the loan for a longer time than necessary. You have to negotiate in order to obtain the least possible penalty.

The final verdict is that there are several subprime lenders and it is your job to handpick the right one by comparing interest rates. Hiring a broker is highly recommended.

Saturday, May 15, 2010

Bad Credit Car Loans: A Second Chance For Bad Credit Risks

Newsflash: someone said that you are a lowlife. Not directly, of course. But they said it.

If you've ever had a brief period of financial trouble, and couldn't pay your obligations for any reason, and you had the opportunity to listen to what others said about people in your same situation, you've know what people think about people who don't pay their bills. They are labeled as less than human, with no thought to the individual's situation.

They are labeled as bums and deadbeats. They are blacklisted as the scum of the earth. Snakes are better than a person who doesn’t pay his bills on time. They're deadbeats. And because they are considered this, and you hear it, might be inclined to put yourself in this same class because of their accusations.

In short: you've labeled yourself as a very bad person because of the things that they have said..

You've heard that, and you have applied all that talk to yourself. Those around you would never say such things to your face, but when they talk about others that have bad credit, for whatever reason, they always speak about them in a negative light, and you feel something deep inside..

They speak as if nothing bad every happens. That life sometimes takes people down a path they didn't want to go down. That sometimes, people unknowingly dig financial holes they can't handle. That sometime people are just stupid, and make stupid mistakes.

Yes, life does happen, and people do stupid things, and people go down paths that they can't control. And the worst thing about it all is, it could only be for an instant or a season, these side paths. But sadly, in many cases, they have a long-term impact on one's financial future.

But, even if you're going through one of these times, it doesn't have to be that way. With a little persistence, you can find lenders who are ready an willing to give people a second chance.

If you need a car or a truck for transportation, and can't get financing because of a past mistake, or a series of mistakes, you should consider taking a look at a bad credit car loan. There are many people who automatically think that a bad credit car loan means high, rip off rates, but that doesn't have to be the case...if you know how to shop for a loan.

You can get a bad credit car loan for very comparable rates with a regular loan. Consider that 6 out 10 people do no shopping for a car loan at a competitive rate. That means only 4 out of 10 people actually took the time to find another offer outside of the one that they got from their bank or the dealer. That's money that they could have saved, and extra savings that they left on the table when negotiating a new or used car purchase.

Our site has a comprehensive list of the top 10 dealer and financing auto rip offs. You should check it out, as well as our mini-fact page with more information of getting the best deal (even with bad credit) and bad credit car loan lender listings.

Because even so called "bad people" need a break once in a while.

Friday, May 14, 2010

Bad Credit? Start Rebuilding

Bad Credit? Lose The Shame, Take Responsibility, and Begin Rebuilding

According to the research firm Sherbrooke and Associates, 43 percent of American households are "credit constrained." This is probably because they carry too much current debt, or they were forced into making poor choices with their credit in the past. With interest rates rising and the housing market cooling, the number of credit constrained households is likely to increase. If you find yourself in a such a situation, know that you're not alone.

Having excess debt and bad credit is a source of shame for many, and it has even been known to break up otherwise loving marriages. Many people who are credit-constrained feel there is no way out - particularly now that bankruptcy laws have been changed to make filing for bankruptcy more difficult for people with even average incomes. The truth, contrary to what most bankruptcy lawyers will tell you, is that bankruptcy is rarely the answer. You can dig yourself out of debt and repair your credit - all that it takes is commitment, discipline, and most of all, a new attitude.

Step #1 - Let Go Of Your Shame

Unless you fraudulently charged items that you had no intention of paying for, you need to let go of all shame related to your bad credit and debt. After all, the credit system is set up with the understanding that some people will be unable to pay their debts - that's why lenders are paid interest, to compensate them for risk. If you buy a corporate bond and the company goes under, nobody feels sorry for you, so don't let your creditors make you feel sorry for them. Just like buying a bond, your creditors took a financial risk by lending to you, and they didn't do it out of the kindness of their hearts - they did it to make money. So long as you had every reason to believe that you'd be able to pay for your debts, you have nothing to feel guilty about.

Letting go of your guilt and shame is not the same as abdicating all responsibility. To one degree or another, you are responsible for your situation. To another degree, externalities - things in the outside world - are responsible. Take responsibility for your actions, but do not let anyone make you feel guilty or they will wield that guilt as a weapon against you.

Step #2 - Contact Your Creditors

Once you've let go of your shame and have committed to taking responsibility, it will be much easier to face your creditors. Explain to them that you're over your head in debt, and while you want to honor your commitments, you would appreciate it if they would work with you to make doing so easier. Most of the time, your creditors will be more receptive than you would imagine - after all, they're used to people in your position ducking under a rock and ultimately sticking them with the bill.

Your creditors may offer to let you skip a payment or two in order to help you get back on your feet, or they might offer to lower your interest rates. If you still have your accounts open, they might offer to suspend your credit while you pay off the balance in principal only at regular monthly intervals. Finally, they may offer to settle your accounts at less than the full amount due if you pay in one lump sum.

Step #3 - Begin Rebuilding Your Credit

While restructuring your payment terms, by all means, stop abusing credit. You need to work out a budget that will prevent you from finding yourself in this situation again. If you still have credit cards that haven't been canceled, you should continue to use them - but make absolutely sure that you can pay for everything you've charged that month when the bill comes due. By doing this, you'll keep a credit account active, which is good for your credit.

Many of these negotiated payment plans will adversely affect your credit - particularly settling for less than the total amount due, which will be a black mark on your credit report for up to seven years. The fact is that negotiated settlements may still may be superior to falling deeper and deeper into debt, which could ultimately destroy your credit and lead to legal action being taken against you.

Once you're back on your feet, be sure not to repeat the same mistakes you made in the past, but don't swear off credit altogether, either. Just because you're in bad shape now doesn't mean that you always have to be. Open up a small credit account and pay your bills in full and on time, and in a matter of just a few short years, your credit can be just as good as anyone else's. The sooner you start rebuilding after a near credit meltdown, the sooner you'll be able to experience the security and peace of mind that the other 57 percent of Americans enjoy.

Stay safe.



Thursday, May 13, 2010

Baccarat History and American Baccarat Rules

If we put aside the black ties, the velvet curtains and the overall exclusive atmosphere, baccarat is one of the simplest casino games around. In addition, baccarat is a beatable game with a low house edge, which makes it one of the best bets you can make! Here you can read about baccarat history and learn how to play the game.

Both the American and European versions of baccarat and the French Chemin de Fer are late developments of the Italian game called baccara, which means zero in Italian. The origins of baccara go back to an old Etruscan myth. According to the myth, a blonde virgin had to toss a nine sided die to decide on her destiny. If the die landed on eight or nine, she would have to fulfill her destiny and become a priest. If the die landed on six or seven, she would be forbidden to participate in any religious activity. If the die landed on any other number, the virgin had to walk into the sea.

The Italian game baccara was popular among French aristocracy during the end of the 15th century. Baccara had evolved to the European version of baccarat, which is still played in European casinos today as well as the French variation of baccarat known as Chemin de Fer, which is mainly played in casinos in France. The American version of the game was introduced to Nevada casinos in the 1950s by Francis Tommy Renzoni, who imported the game from Havana.

Baccarat still carries an aroma of aristocracy and exclusivity. In American casinos, baccarat is played in a separated area of the casino, hidden behind velvet curtains. Baccarat players are usually dressed up and the betting limits are higher comparing to other table games. In order to attract the medium budget players, a lower limit version of baccarat, called mini baccarat, was invented. Mini baccarat is played on a smaller table, inside the casino gambling area with lower betting limits than baccarat.

How to Play Baccarat

Baccarat is played with 3 dealers and up to 12 or 14 players. Baccarat is usually played with 8 standard card decks. Aces valued as one, face cards and ten cards valued as zero, and the rest of the number cards worth their face value. The suit has no meaning. The object of the game is to get as close to 9 as possible.

The play begins by all players, including the dealer, placing their bets either on the player, the banker, or on a tie. Traditionally, the dealer bets on the banker. The dealer can be the house dealer or one of the players. After everyone has placed their bets, the dealer gives two cards to each player and to the banker.

The score of each hand is calculated as the sum of the two cards minus the left digit. For example, if the sum of the two cards is 15, the score would be 5. The decision whether to deal a third card is determined by a set or rules and it is not up to the player or the dealers decision.
If the score of the players hand is 9 or 8, he wins
If the score of the dealers hand is 9 or 8, it is a tie
If a players score is 7 or 6, he can be dealt a third card
If a players score is 5 or less, he has to receive a third card
If a player gets a third card and the score of the dealers hand is 2, 1 or 0, he must draw a third card
If the score of the dealers hand is 3 and the players third card is any value but 8, he must draw a third card
If the score of the dealers hand is 4 and the players third card value is between 2 and 7, he must draw a third card
If the score of the dealers hand is 5 and the players third card value is between 4 and seven, he must draw a third card
If the score of the dealers hand is 6 and the players third card is 6 or 7, he must draw a third card.
If the score of the dealers hand is 7, he cannot draw a third card.

Wednesday, May 12, 2010

Bacara el Preferido del Agente 007

El Agente 007 y su audacia con el juego continúan deslumbrando año tras año a sus sensuales compañeras en escena y derrotando a sus astutos enemigos.

El Bacara: El Juego preferido del clásico James Bond: Bacará y el Agente 007

El Bacará es el clásico juego de apuestas originado en Italia en el siglo 15 y es también característico del famoso espía 007. En cada escena lo identifican una elegancia y excelencia, que junto con su impecable Martini en mano y las apuestas en otra James Bond ha mantenido una leyenda desde su origen desde los años 50 hasta el presente. Es así como el espía ingles domina la versión francesa del juego Bacará llamada Chemin de Fer con gran talento y admiración.

Bacara siempre fue popular entre la alta sociedad, especialmente en el siglo 15, cuando surgió en Italia. Bacara significa cero en italiano y a lo largo de su expansión en diferentes países nuevas reglas y variaciones fueron inventadas y adaptadas como en Estados Unidos o en Francia el Chemin de Fer, o el denominado Juego de James Bond.

El juego consiste en el "Jugador" y la "Banca" el nombre que se la a las opciones de apuestas, estos son repartidos dos o tres cartas cada uno con el objetivo simple de llegar a 9 sin pasarse de el. Mientras tanto la banca decide según las reglas del juego cuando detener la jugada y los jugadores ya han debido apostar a cual de las dos Jugador o Banca ganara la mano. Los jugadores o el jugador apuesta y el que apuesta a la mano que gano el puntaje mas correcto, gana la mano. En la adaptación americana, el juego funciona en contra a la banca, mientras que en Chemin de Fer, los jugadores compiten el uno con el otro. Uno representa al jugador y el otro a la Banca.

En compañía del Chemin de Fer los libros de Ian Fleming junto a las adaptaciones en escena de James Bond, han deslumbrado por décadas las diferentes aventuras del espía, con ayuda de su impecable poder del juego y su atractivo estilo. Hasta su último estreno en el 2006 James Bond sigue disfrutando de la lujuria de las mesas verdes de los casinos junto a su cigarro y el su sensual compañera en acción. En el anio 1964, las novelas y capítulos de James Bond, fueron escritas por Kingsley Amis, John Pearson, John Gardner, Raymond Benson, y Charlie Higson. Tambien sus actores variaron comenzando con el conocido Sean Connery, siguiendo con Geroge Lazenby, Roger Moore, Tomothy Dalton, Pierce Brosnan y Daniel Craig.

Si observas, es muy interesante ver la manera en que el Agente apuesta al juego y a su vez actúa y descubre los secretos que lo rodean con la misma rapidez, seguridad y astucia. Enlas películas de James Bond el juego Chemin de Fer transcurre en elegantes salas llenas de mujeres elegantes y hombres adinerados que detrás del juego tienen otros intereses por revelar. En la realidad el enlace entre el Bacará y El Agente 007 es de un acompañante fiel de aventuras secretas y emocionantes de mas de cinco décadas que hicieron de el una leyenda inolvidable que resurge de generación en generación.

Tuesday, May 11, 2010

Avoiding Trouble While Getting A Payday Advance

Pay day advances are all about having the cash to haul you out of trouble. The reasons why you need the cash could be numerous. It could be because your planning went haywire or maybe because you forgot to account for certain expenses. It could also be that your tight financial situation is actually because of no fault of yours as some unexpected expenses have come up or maybe your house or your car is in need of urgent repairs. On the other hand, you might want to take a payday loan for a much happier reason. You might plan to splurge on a birthday or an anniversary gift for someone special. Or maybe you are planning to go on a holiday and would like to have a little extra cash to have some fun. Whatever the reason, a payday cash advance can be a great way of getting the requisite extra cash. At the same time, even though a payday cash advance offers numerous benefits, it would help to be cautious when you apply for a loan.

The trouble creators
When you look for a payday advance USA, you can rest assured that you would have unlimited choice. Surely, each payday advance USA that is available would be extremely lucrative. But don’t just get taken in by the lucrative offer; make it a point to look at what lies beneath. This implies that even though most advance payday service providers are quite dependable, there are certain cases where you might end up with a ‘not so dependable’ lender. The biggest indicator that a lender is not dependable is if he refuses to be transparent about the terms and conditions of the loan. At the same time, the lender might tell you that getting an extension to pay back the loan is not a problem at all but would not disclose the extra fee or the interest that you would need to pay in this case.

If you are unable to pay back the loan, a lender might offer another loan in order to pay off the first. In this case, it becomes imperative to compare the fee that you would be paying for an extension on the first loan and the interest rate of the latter. If the lender is not dependable, then in most cases, the second option would turn out to be more costly. So, take your decision after due consideration.

A piece of advice
You definitely should be extra cautious while getting a payday cash advance. Try not to borrow more than half of amount you would get in your next paycheck. As if you do so, you would be left with no cash to see you through next month and as a result, you might end up in trouble again. So while you take an informed decision about the payday advance service, also take a careful decision about the loan amount.

Monday, May 10, 2010

Avoiding The Sound Of Jingle Bills

The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, "non-elderly vulnerable groups, particularly disabled people, whose difficulties in relation to fuel poverty have been known for a long time".

A lack of gas supplies from Europe, and dwindling North Sea production has been blamed for the price increases by most of the major energy suppliers leading to average bills being put up by as much as 15% recently, with fears that costs are likely to rise even higher if the UK experiences a cold winter.

The Committee report also added that: "If fuel prices continue to rise it will be essential to provide further assistance to the elderly."

The news also appears to be bleak for many non-elderly or disabled groups, following research commissioned by Egg.

The results of research by the online bank Egg has shown that the average household monthly income is just £1,953 in the UK while the average monthly spend on bills is £888. After all bills and regular monthly costs have been included, Egg calculated that the average Briton spends about 23 days a year, effectively without any money, and living on overdrafts and credit cards. A survey by YouGov earlier in the year found that 4 out of 5 people were not saving enough for a comfortable retirement, and personal debt was seen as a major factor for many in preventing future saving.

Egg suggests that a reliance on credit cards and poor budgeting are proving to be expensive for many consumers, who are currently borrowing to cover the short-fall at an average authorized current account overdraft rate of 12.6% and at an unauthorized rate of 24.3%. To add insult to injury, almost a third of consumers have been penalised by their current account provider during the last 12 months, at an average cost of £27.

The financial comparison site Moneynet ( ) has also recently warned that when finances are stretched to breaking point then store cards and unsolicited cheques sent by the credit card companies can be very seductive, “just to get through to next pay day”. Moneynet chief executive Richard Brown says, “We have always advised consumers to avoid credit card cheques like the plague. Many people have no idea that these cheques carry extra charges and do not work like the credit card in their wallet. It’s unethical and irresponsible.”

Mr Brown also feels that, “Store card charging structures also need to be radically reformed. The worst offenders are invariably some of the most prominent names on the High Street, and government watchdogs need to properly show their teeth and crack down.”

Following the festive period overspend a lack of financial knowledge and inadequate budgeting skills can lead to a very poor new year. The growth in the number of financial products and advice can lead to an information overload and a fear of taking any action, however the organisations such as the BBC provide some useful sources of information and several financial help sites like and Fool ( ) have sprung up in recent years to enable consumers to get over their financial phobia and easily compare the rates of credit cards, loans, bank accounts, gas and electric suppliers as well as other financial services.

Until statutory legislation is put in place to control rates charged for credit, and other financial services, consumers need to take control of their own personal finances. While little can be done by most to significantly increase their income, most people can reduce the amount of unnecessary spending that occurs on a continual basis through the use of over priced financial services.

All information contained in this article, is for general information purposes only and should not be construed as advice under the Financial Services Act 1986.

You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

Sunday, May 9, 2010

Avoiding Impulse Spending

Avoiding Impulse Spending

Answer these questions truthfully:

1.) Does your spouse or partner complain that you spend too much money?

2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had?

3.) Do you have more shoes and clothes in your closet than you could ever possibly wear?

4.) Do you own every new gadget before it has time to collect dust on a retailer’s shelf?

5.) Do you buy things you didn’t know you wanted until you saw them on display in a store?

If you answered “yes” to any two of the above questions, you are an impulse spender and indulge yourself in retail therapy.

This is not a good thing. It will prevent you from saving for the important things like a house, a new car, a vacation or retirement. You must set some financial goals and resist spending money on items that really don’t matter in the long run.

Impulse spending will not only put a strain on your finances but your relationships, as well. To overcome the problem, the first thing to do is learn to separate your needs from your wants.

Advertisers blitz us hawking their products at us 24/7. The trick is to give yourself a cooling-off period before you buy anything that you have not planned for.

When you go shopping, make a list and take only enough cash to pay for what you have planned to buy. Leave your credit cards at home.

If you see something you think you really need, give yourself two weeks to decide if it is really something you need or something you can easily do without. By following this simple solution, you will mend your financial fences and your relationships.

Free Traffic #2
Free Traffic #3

Saturday, May 8, 2010

Avoiding Closing Costs When Buying a Home

Most homebuyers – especially those doing it for the first time – are faced with a tough challenge when it comes to closing costs. Enough consumers who have saved for many years may not have enough available funds to cover fees related to a major real estate transaction. But there are ways to at least minimize the costs, and there are several strategies for buying without incurring any immediate closing costs.

With excellent credit you may qualify for loans over and above the price of the property you’re buying. And if that happens, you can cover your closing costs with the extra funds you borrow. For example, you might be able to qualify for a loan of 107 percent of the selling price, enough funds to pay for the house plus all of your closing costs. If the price of the home you intend to buy is $200,000 and you borrow $214,000, the first $200,000 covers the house and down payment, and the rest pays your closing fees. Because the lender considers you a low risk borrower thanks to your high credit rating, they see the bigger loan as good business for themselves, while it offers great convenience for you.

Another common way to avoid closing costs is by using a “80/20” or “piggyback” loan. This type of loan is actually two loans packaged together. One of the loans works in a conventional way, and is for 80% of the purchase price. The 2nd part of the loan is a smaller 20 % loan that is used to cover the down payment. So in reality, the lender is letting you borrow your 20% down payment. You can expect to pay higher rates on the down payment portion of the loan, but you get to buy a house with essentially zero down.

Sometimes a seller will offer owner financing and also pay your closing costs, to help you close a transaction. Or you can buy from your landlord and use a “lease purchase” contract. The way those work is that the landlord/seller lets you apply monthly lease payments toward the purchase price until enough money has changed hands to compensate for the down payment. So you can avoid the biggest closing cost of all, by gradually using monthly rent to come up with your down payment.

If you are self-employed, be sure to investigate whether or not you qualify for special loans that are intended to help people buy houses. Some apply to those who are veterans of military service, and they offer loans with little or no down payments and reductions in other closing costs. Other loans are created by the government to assist lower income families; and there are even programs managed through various non-profit organizations that fund grants to help consumers buy homes. If you find a loan that fits your circumstances, don’t hesitate to apply for it – sometimes special grants and loan funds are budgeted and dispersed on a “first come, first served” basis and then they run out quickly.

Friday, May 7, 2010

Avoiding Bank Fees

Occasionally many of us will experience the dread of a bounced check, this will result in an abundance of fee’s that include an overdraft charge and a fee for the bounced check with the bank alone. Not to mention the fee charged by the establishment that accepted the check. This article is geared towards helping you avoid fees that are typically associated with bouncing a check. It is important that you consistently keep track of everything that goes in and comes out of your checking account.

Each time you perform anything on your checking account it is important that you update your register. This holds true with each check that is written, any withdraws made via an ATM machine, if make use of your debit card for a purchase, or if you use your account as a direct payment method for our expenses. Any time that you do any of these actions and do not have the proper amount within your checking account; it will result in your account being overdrawn.

When this happens your bank has a few choices, they could either pay the amount owed even if you do not currently hold the correct amount in your account. If they choose this option, you will be charged what is called an overdraft charge. Your bank could also choose to simply return the check marked NSF (Non Sufficient Funds) without paying a penny on it, you will then be charged a fee for bouncing the check with the bank as well as the merchant.

To avoid these fees make sure you are consistent within your register, make sure that you write every check, withdrawal, or purchase within it immediately, along with any fees that are charged with these actions. Keep your register balanced at all times, this will help ensure that you have an up-to-the-minute track of what you do and do not have. Furthermore, make sure you always keep track of any online payments and direct debit payments that you could have created for utility payments or other types of expenses. When you receive your statements every month, always balance and review them with your register. This will help you know which checks have or have not cleared as of yet.

If you do happen to make an error, you should immediately deposit the proper amount of funds into your account to try to avoid any additional fees that may be charged. In addition, you ca help with these fees if you have a savings account linked directly to your checking account to help cover these types of events. You could also apply for credit with your bank to set up a limit of overdraft; this allows the bank to “lend” you the money you would need to cover your bounced check or overdraft.

Thursday, May 6, 2010

Avoid Foreclosure -- Save Your Credit

Are you several months behind on your mortgage?

Is the phone ringing off of the hook?

Do you feel like just giving up?

This is the scenario that is sweeping across America!

The banks made it way too easy over the last few years to get more money out of our homes. Property values kept rising, the real estate market was booming and every homeowner was sitting on a gold mine. This was sure to lead to disaster and it has.

Now with the market declining and home values taking a dramatic plunge, most homeowners are sitting on over inflated mortgages and under valued homes.

The unfortunate part is that a lot of people can no longer afford their mortgage. They are facing the possibility of foreclosure and losing their homes is a very real threat.

The good news is that the banks are realizing this and are now giving homeowners options. Otherwise, the banks will be sitting on all of these homes after foreclosure and will be stuck paying the property taxes and insurances until they sell. Factor in the foreclosure costs, attorney costs, and marketing this is not in their best interest.

One option that is being offered is called a short sale.

This is where the bank allows you to sell your home at or below the current market value in order to get a quick sale, regardless of what you owe. Let’s say that your mortgage is $180,000, but similar homes in your area are selling for $150,000. You can ask for $150,000 and can even possibly take lower bids.

The bank in turn will take a loss on the home, since the sale will not cover the full mortgage, but they will not be stuck with the home. As far as the homeowner, they just walk away after the sale, free and clear.

It is suggested that you hire a real estate agent that is knowledgeable on short sales and preferably has had some experience and success with them. This is in your best interest, since they know the ins and outs and the paperwork involved. Not to mention, since you are already walking away with no money and this option will not cost you anything, it really is a no-brainer.

That’s right, not only does the bank take a loss on the home, but they also negotiate and pay the realtor fees.

Now there are disadvantages, and it is not as wonderful as it sounds. Your credit will suffer, just not as much as a foreclosure. It is estimated that your credit can drop 80-100 points with a short sale. However, it will drop over 200 points with a foreclosure.

You will not be able to buy a new home for up to 2 years with a short sale. It would be 3 years with a foreclosure.

Obviously, with this in mind the best solution would be to catch up your mortgage and then to make on time payments. Since this option is not viable for many people, I would seriously look into a short sale before it is to late.

Just remember that the mortgage company is not the enemy and not to be afraid of them. They are willing to help; you may just have to talk to several people until you find someone to work with. Ask if they have a loss litigation department. These are the people that are ready to and able to help you.

Stay Positive, Stay Strong, and Good Luck!

Wednesday, May 5, 2010

Auto loans are great ideas

Auto loans are great ideas to purchase a car, but wise shopping is required with these products too. There are areas where you can be ripped off in auto loans where you need to be careful about. To avoid future shocks make a purchase after a study that has given you all the information to make the best of auto loans.

Credit scores are undeniable areas that can dominate the scene of auto loans. If you have a good credit score you need not in the most case fear the interest rates. But chances are very high to be charged with illegitimate interest rates if you have bad scores. Bad scores lead to high interest rates for auto loans or any other loans, but there can be nasty and unruly hikes with bad scores that can be avoided if little caution is employed.

To make sure you just borrow what you need from auto loans you can sell your old car and use that money in the purchase to contribute to a big down payment thereby reducing the need for less money as a loan, which mean less interest rate and less EMI!

Getting a used car which has at least a couple more years of manufacturer warranty can get you better loan amounts. Lenders do not lend more margins if the vehicle is very old or has exhausted the mileage or has undergone a road hit and repair previously. You need to scrutinize the insurance records of the car to make sure of the repairs that it has undergone.

You can get some better deals with auto loans in terms of less interest rates if you negotiate with the lender directly; however, if you are going to let the dealer shop the loan for you, he is going to add some commission price in to auto loans making it a bit high for you.

You need to be very sure to just accept the EMI that you can afford. If the lender is not agreeing you can get it from someone else; never feel pressurized to close an auto loans purchase fearing that someone else may not give you a loan. Be patient to find the best and affordable from the many auto loans lenders.

Compare auto loans by using the loan repayment calculator. Read reviews and get some expert help before finalizing the car rate and the auto loans interest rate!

Tuesday, May 4, 2010

Assistance For Seniors In Nevada Seeking Long Term Care

The state of Nevada has several services and advocacy groups that help the elderly who are in need of long term care. Some of the groups are listed below:

Advocate for Elders : Just as the name implies, they are advocates and offer assistance to seniors 60 or older who are primarily homebound.

Community Home-Based Initiatives Program (CHIP ) offers non-medical services to seniors 65 and older to help them maintain independence in their own homes rather than being placed in a nursing home.

Elder Protective Services (EPS) provides services for seniors 60 and over who may be experiencing abuse, isolation, neglect or exploitation.

Homemaker Program: A community based service that believes in home care can help preserve or improve quality of life and reduce the need for unnecessary out of home care.

Long Term Ombudsman: Long Term Care Ombudsman Program was created to deal with issues and challenges that residents in long-term care facilities face. The Ombudsman ensures confidentiality of a resident's records and protects the in the event of a complaint.

Senior Ride Program: (Clark County only): Senior Ride program provides discounted taxi fares to seniors and people with disabilities living in Clark County .

State Health Insurance Assistance Program (SHIP): Provides counseling, information and assistance to Medicare beneficiaries statewide in Nevada. They offer one on one counseling and assistance for problems that seniors encounter with Medicaid supplemental health insurance and long term care options.

Tax Assistance/Rent Rebate Program: Seniors 62 and older may receive a rebate of a portion of their property taxes on their own home or by property taxes paid by renter though their rent.

Waiver for the Elderly in Adult Residential Care (WEARC): A program for seniors 65 and older that offers a less expensive alternative to supervised care in a residential setting.

Please view our recommended sources for insurance quotes and low rates. These are also great sources for information on how to lower your rates and save money every month on your insurance.

Monday, May 3, 2010

Assets Haven Protects Financial Privacy In Post 911 Era

Ordinary Americans are discovering the vast asset protection, offshore and privacy opportunities previously only available to the extremely wealthy. With growing government surveillance in the post 9/11 era everyone should be concerned about financial privacy. Many financial websites now offer ground breaking information on offshore financial contacts, bankers' secrets and tricks , and banking tools and tips revealed for the first time to the public. The information is easy to use and up-to-date, and allows small investors to bypass middlemen and set up their own accounts offshore and in Switzerland. By setting up accounts themselves, investors can save thousands of dollars in consulting fees.

In today's post 9/11 world, financial privacy is being invaded at a rapid and alarming pace. The information contained in these websites can help preserve your assets, but only if you act on the instructions provided.

The information is available on many related topics, such as the names of the most important tax havens and offshore financial centers and their most common usage, and of course also the local contact names and addresses of banks, financial services, advisors, mail drops, accountants, company formation services, and other useful contacts. There is cutting-edge information data on virtually everything an investor could want to know about asset protection, anonymous and offshore banking, mail forwarding, international regulations and legal requirements for account holders, privacy, dual citizenships and second passports, tax avoidance, tax reduction and tax and asset haven related matters, and much more.

There are many reasons to use offshore accounts. Some people want to hide income from spouses or greedy, sponging relatives. Entrepreneurs, whose incomes vary widely from year to year, may wish to keep some of their assets overseas in order to avoid having them seized in case of bankruptcy. Tax resisters and libertarians, who wish to live free from the federal government, place their money in asset havens to avoid taxes. A fear of publicity may also lead the very rich to hide their assets from public view, to avoid being targeted by kidnappers, extortionists, and thieves. Newspapers and tabloids publish lists of the richest Americans, creating unwelcome publicity for individuals who wish to live private lives.

However, it is important to note that illegal activities can no longer be easily hidden by overseas banks. The Bank Secrecy Act (or BSA) requires financial institutions to assist government agencies to detect and prevent money laundering. Financial institutions are required to keep records of cash purchases of negotiables and file reports of cash transactions exceeding $10,000 (total daily amount), and to report suspicious activity that might be construed as money laundering, tax evasion, or other criminal activities.

In an effort to stop terrorists from importing funds to be used in terrorist acts within America, the 2001 USA Patriot Act created many new rules for U.S. Banks in an attempt to stop secret money transfers. A list of suspect banks has been created and American banks are no longer allowed to wire money to them. Also, all new customers opening an account at an American bank are asked if they are a U.S. citizens, and if not, if they are involved in politics abroad or connected to foreign political figure in any way. They must also provide their occupation and state if they plan to have foreign funds wired to their accounts.

Sunday, May 2, 2010

Asset Protection - Who Needs to Protect Their Assets?

America has often been referred to as a litigious society, meaning that we are prone to engaging in lawsuits for even the most frivolous of offenses. Ordinary people have been sued for anything and everything including: having wireless internet in their homes, not raking their front walkways, coughing in public, and giving bad reviews of former employees. Thus, no matter who you are, it is important to stay vigilant about protecting your assets.

You may not be able to protect yourself from falling victim to lawsuits. However, you should take every measure possible to ensure that a plaintiff cannot deplete your estate, should the court rule in his or her favor. After all, if your estate is vulnerable, you risk losing not only all of your money, but the entire estate intended for your children and other desired beneficiaries.

We have compiled a short list and corresponding explanation of the four most basic methods that will help you protect your assets from lawsuits.

The Children’s Trust
The Children’s Trust is set up to directly benefit your child. You will not have access to funds once they are placed into the Children’s Trust. However, you will ensure that your children will have sufficient monies for use on things such as an education or first home.

Each spouse may put a maximum of $12,000 per year into the Children’s Trust. If you and your spouse both put money into the Trust, you can put a combined total of $24,000 per year into it.

If your child is over the age of 14, you shift income tax on the gifted assets when you put money into the Trust. As stated before, once you put money into the Trust, you cannot retrieve it. You also cannot transfer the money during a lawsuit, when a claim against you is pending. Thus, it is smart to periodically invest money into your Children’s Trust so that your children will have sufficient support in the event that your estate is depleted.

The Irrevocable Life Insurance Trust
An Irrevocable Life Insurance Trust, otherwise known as an ILIT, is a smart move for individuals even if they are not faced with litigation. An ILIT allows you to pass your life insurance policy on to your heirs tax-free upon your death. If you did not have an ILIT, then the death benefit would be subject to estate taxation.

Here’s how an ILIT works: a trustee that you name manages your ILIT. The trustee purchases a life insurance policy on you. You provide the funds for him to purchase the policy through tax-free gifts.

Unlike a direct beneficiary designation, you can control how the funds from an ILIT are spent. You can designate a portion of funds to education, individuals, and other causes to ensure that your hard-earned money is spent how you want.

Family Limited Partnership
A Family Limited Partnership is like a limited partnership for business assets in that you and your family members will have control over a mutual pool of assets.

There are two different types of Family Limited Partnership interests: General Partnership interest and Limited Partnership interests. The General Partnership interest allows you to have control over the funds and how they are used. The Limited Partnership interest keeps your involvement at a minimum.

As with a business partnership, each partner (or family member) has access to a specified amount of funds when the assets are distributed.

Foreign Asset Protection Trust
A Foreign Asset Protection Trust is like having a foreign bank account because your transactions will take place overseas. Your Trust will be out of the hands of U.S. jurisdiction. In other words, the U.S. courts cannot access your money in the event that you are sued and found responsible for a portion of the damages awarded to the plaintiff.

With a little help and planning, you can protect yourself and your family from predatory lawsuits against you. The above methods not only save you from losing your entire estate, but they are also strategic ways to set aside funds for your beneficiaries.

It is easy to set up your Trusts wrong. Penalties for setting up your Trusts and bank accounts wrong range from your beneficiaries losing control of your assets to you being prosecuted for not recording your assets properly on your taxes. It is important that you speak with a qualified attorney when setting up your Trusts and Limited Partnership interests so that you never run into any unforeseen problems with your estate plan.