186 Most Recent Articles About:
Finance

1	Giving While You're Living, Or When You're Dead Instead? Written by: Lee Hale | Distributed: 2010-11-16 | - Word Count: 569 | Viewed: 792 | Votes: 0 Over the years, there have been many opinions and thoughts as to the legitimacy of Cash Gifting as a viable and honest means of generating cash. But at the heart of Cash Gifting is a fundamental principle that is often overlooked and convoluted with greed and the love of money. This principle is quite simple...
2	Understanding Your 401(k), IRA and Other Pre-Tax Investments Written by: Irene A. Majchrzak | Distributed: 2010-08-03 | - Word Count: 1005 | Viewed: 923 | Votes: 0 What does all of the bad economic news mean to you, the average investor. Well, if you are still working and contributing to your pre-tax 401(k)'s, 403(b)'s, or IRA savings your strategies for salvaging your retirement will include reviewing all of the investment options found in your 401(k), etc.
3	Xerox Follow Apple on the Comeback Trail Written by: Jennifer Robinson | Distributed: 2010-07-27 | - Word Count: 1238 | Viewed: 1372 | Votes: 1 | Rating: 0.00 In many ways the companies share similar fortunes. Apple (founded by Steve Jobs, Stephen Wozniak, Ronald Wayne) produced the first successful personal computer with a graphical operating system. Xerox (founded by Chester Carlson, Joseph C Wilson) were the inventors of Xerography (later called the photocopier).
4	Payday Advance Loans Are Now Only One Toll Free Call Away Written by: Tom Tierney | Distributed: 2010-07-27 | - Word Count: 599 | Viewed: 727 | Votes: 0 A friend of mine recently went through financial troubles and asked me, knowing that I'm a finance writer, if I could push him in the right direction for a short term loan to help out with his expenses. Here's his story:
5	Stock Market Falls Sharply Written by: Irene A. Majchrzak | Distributed: 2010-07-27 | - Word Count: 879 | Viewed: 880 | Votes: 1 | Rating: 1.00 The stock market has been having a bad week. Wednesday the market ended the day down over 300 points. I heard reports that this was the result of investors taking their profits. Happens all the time. Then within a few days, the prices on many great stocks is so low that the investors are buying the stocks right back up.
6	Finding the Best Credit Card Applications Written by: Jeffrey Weber | Distributed: 2010-07-27 | - Word Count: 403 | Viewed: 704 | Votes: 0 Online credit card applications can be confusing. That's the way the banks want them. This article will help eliminate some of the confusion.
7	Reduce Your Monthly Budget By Eliminating Duplicate Insurance Coverage Written by: Quinton Becker | Distributed: 2010-04-27 | - Word Count: 648 | Viewed: 944 | Votes: 2 | Rating: 2.50 There's absolutely no sense in paying for the same insurance coverage from multiple insurance companies. This is an area where a lot of consumers could eliminate some unnecessary spending from their family budget. This article explains where to look for duplicate coverage.
8	Understanding the State-Mandated Minimum Auto Liability Insurance Written by: Quinton Becker | Distributed: 2010-04-19 | - Word Count: 762 | Viewed: 759 | Votes: 1 | Rating: 5.00 Few people understand what those auto liability insurance numbers really mean. In this article, I break down 10/20/10 and other minimum liability insurance coverage so that everyone can understand it.
9	Understanding Uninsured Motorist And Underinsured Motorist Insurance Coverage Written by: Quinton Becker | Distributed: 2010-04-16 | - Word Count: 740 | Viewed: 919 | Votes: 0 Uninsured Motorist (UM) and Underinsured Motorist Insurance (UIM) are often the most under-appreciated and misunderstood forms of insurance available to consumers. This article will explain both...
10	The Problem With Business Planning Written by: Scott Bywater | Distributed: 2010-04-12 | - Word Count: 324 | Viewed: 697 | Votes: 0 If you go to a conventional business seminar, you are going to get the following advice: Write a business plan Do a swot analysis A competitor analysis etc. etc. And I can see why so many people are held back from starting a business. But I have another approach. A simper approach.
11	Cost Reduction: Cutbacks Are Unavoidable Written by: Thayne Carper | Distributed: 2010-03-15 | - Word Count: 497 | Viewed: 1085 | Votes: 3 | Rating: 1.00 Good cost reduction means you must slash your expenses and costs when possible, provided that this does not affect your product quality or harm your operations. There are numerous approaches to cutting expenses, and you cost reduction plan must identify where you can save money.
12	Do You Know the Difference Between an Investment Advisor and a Broker? Written by: Tome Tomaj | Distributed: 2010-03-11 | - Word Count: 408 | Viewed: 984 | Votes: 3 | Rating: 4.67 As an fee-only investment advisor I come across clients from all walks of life. Lately I have noticed something in common with many of these investors. Many do not know the difference between an investment advisor and a broker who manages and/or makes securities recommendations for their clients' investment portfolios. With the almost unprecedented volatility in the securities markets, you cannot afford to dig your head in the sand when it comes to whom is managing your assets.
13	The Decline and Fall of the Retirement Empire Written by: Irene A. Majchrzak | Distributed: 2010-03-10 | - Word Count: 1317 | Viewed: 965 | Votes: 0 "I have a pension and it'll have to be enough!" As a financial Advisor over the past 10 years I have often heard this statement. It was difficult 10 years ago to explain to future retirees why this was an impossible belief to hold. 10 years ago no one would believe the changes that would occur in our world view.
14	Business Turnaround: Stabilize Your Environment with Positive Cash Management Written by: Thayne Carper | Distributed: 2010-03-10 | - Word Count: 531 | Viewed: 1087 | Votes: 0 A good business turnaround requires you to stabilize your environment; without this step, your business will likely remain unprofitable.  Maintaining both a positive cash balance and abiding by a smart budget is vital.
15	Online Brand Protection - Must-Know Tactics to Safeguard Your Business Written by: Enzo F. Cesario | Distributed: 2010-03-02 | - Word Count: 652 | Viewed: 776 | Votes: 0 Intellectual property, trademarks and copyrights--if you are in business, you probably know what these are and how important they are. However, an online business has additional factors that must be considered to protect its brand within the Web’s wide exposure.
16	Business Turnaround: Reorganize Your Company and Focus on Its Profitable Areas Written by: Thayne Carper | Distributed: 2010-02-25 | - Word Count: 539 | Viewed: 817 | Votes: 0 After you have determined the root cause of your company's problems, you must now reorganize to make your company profitable. All companies have strengths and weaknesses, and it would be wise to recognize which areas are assets to you and which need improvement.
17	Cost Reduction for Business: How to Best Manage Your Costs Written by: Thayne Carper | Distributed: 2010-02-23 | - Word Count: 506 | Viewed: 1153 | Votes: 1 | Rating: 2.00 Companies have to use various forms of financial studies - estimates, budgets, forecasts, analyses, and evaluations - to report and control their costs.
18	New Year Still Is A Time Of Uncertainty For Economy Written by: Barbara Wulf MS, ACC, CPCC | Distributed: 2010-02-02 | - Word Count: 509 | Viewed: 1040 | Votes: 0 As we look back on the first decade of the new millennium, we realize in many ways it was a dud and disappointment. We witnessed the World Trade Towers being toppled with senseless terrorism. We closed the decade with the toppling of the global economy that resulted in high unemployment and massive job loss for young and old, skilled and unskilled.
19	Business Startups with Bad Credit Written by: K. MacKillop | Distributed: 2010-01-26 | - Word Count: 734 | Viewed: 680 | Votes: 2 | Rating: 3.50 Bad personal credit is a common stumbling block for entrepreneurs. Working for your self is the best opportunity for building wealth. While bad personal credit can make the startup process slightly more challenging, it is not a total barrier to business ownership and business success.
20	Obama Tells the Banks to Lend! Written by: Martin Harshberger | Distributed: 2010-01-26 | - Word Count: 641 | Viewed: 649 | Votes: 2 | Rating: 2.50 Any kind of real recovery and job creation is impossible without access to credit by small to mid-sized businesses. New entrepreneurs, and even experienced business people, often ask me to help them write plans to get SBA financing for a new or troubled venture. I tell them it just doesn't happen that way. The SBA, USDA, and most other federal loan programs simply guarantee bank loans. You have to get the bank to approve your loan first. But banks are not in the venture capital business. They want secure loans.
21	Purchase Another Vacation Rental? Why Not Written by: Jon Ludwig | Distributed: 2010-01-19 | - Word Count: 560 | Viewed: 1183 | Votes: 7 | Rating: 2.57 As a vacation home rental owner and operator of a vacation rentals by owner advertising website, I have been following the situation closely with regards to the recent sharp decline in both real estate prices (commercial and single family homes) and the stock market. Like a lot of investors out there that I have spoken with, I pulled my savings out of the stock market a few months ago (phew...) and have been wondering what to do with my investment capital.
22	Cash or Accrual Basis of Accounting? Which Should You Select When Starting a Business? Written by: K. MacKillop | Distributed: 2010-01-13 | - Word Count: 830 | Viewed: 2163 | Votes: 3 | Rating: 2.00 One startup decision that seems to cause entrepreneurs heartburn is whether to set up their accounting system on a cash basis or on an accrual basis. Although this sounds like secret accounting code, the implications are straightforward, and, for most businesses, the right method is easy to see.
23	Understanding Term Life Insurance and Getting Quotes Written by: Brian Greenberg | Distributed: 2010-01-13 | - Word Count: 520 | Viewed: 973 | Votes: 1 | Rating: 2.00 Buying term life insurance can be a scary process but understanding the different types of life insurance can remove the fear. What you should know about term life and how requesting life insurance quotes online can be easy and very convenient.
24	Can Acquisitions Work? Written by: Martin Harshberger | Distributed: 2010-01-12 | - Word Count: 858 | Viewed: 670 | Votes: 2 | Rating: 3.00 With annual merger and acquisition activity in the United States averaging about 1.5 trillion dollars the question, "Can Acquisitions Work?" may seem to be uninformed and strange question. Yet according to a number of recent academic studies, between 55 percent and 83 percent of mergers and acquisitions fail to add value to the acquirers... This article will review some of the reasons why acquisitions fail...
25	How to Earn Extra Money This Holiday Season Written by: Elizabeth Johnson | Distributed: 2009-12-30 | - Word Count: 682 | Viewed: 1095 | Votes: 2 | Rating: 2.50 Regardless of the state of the economy, many people find themselves a little strapped for money around the holidays. Heating costs, food for holiday gatherings, holiday travel costs, and gifts all factor in to making November through January the most expensive time of the year. Luckily, as much as this time of year can cost more, there are more opportunities to make a little bit of money to offset these inflated expenses. Below, we'll share with you the top five ways to earn a little extra cash over the holidays...
26	Avoid IRS Penalties and Interest This Tax Season Written by: Manny Davis | Distributed: 2009-12-30 | - Word Count: 437 | Viewed: 734 | Votes: 4 | Rating: 3.00 With the US economy sputtering along, Federal tax revenues falling, the IRS is much more cognizant of those taxpayers who have fallen out of compliance. In fact, if anything the IRS's computerized Automated Collection System (ACS) is stronger and well funded from the Federal Stimulus. Here are a few key things to know about penalties and interest when filing or paying your taxes...
27	The Decline in the Personal Savings Rate - What Happened to the Discipline? Written by: Tome Tomaj | Distributed: 2009-12-15 | - Word Count: 873 | Viewed: 807 | Votes: 2 | Rating: 3.50 As more and more American baby boomers are nearing and entering their retirement years, many of them are concerned about whether their retirement savings will last them long enough to ensure their current quality of life, and rightly so.
28	What My Mother Taught Me About Credit Cards And Family Finances Written by: Braxton Heitz | Distributed: 2009-12-01 | - Word Count: 1285 | Viewed: 1493 | Votes: 19 | Rating: 2.74 My mother is an amazing woman. She made some of the hardest jobs imaginable look easy. No matter how hard her day was, she always had a smile and perfect hair.
29	Student Credit Cards Can Help Lay The Foundation For Prosperous Adult Living Written by: Braxton Heitz | Distributed: 2009-11-24 | - Word Count: 948 | Viewed: 1400 | Votes: 11 | Rating: 2.82 Credit is one of the most fundamental aspects of the financial structure we have built our society. In fact, a great credit score can be one of the most valuable assets an individual will ever have in his or her life.
30	How The Internet Has Changed The World... Written by: Braxton Heitz | Distributed: 2009-11-10 | - Word Count: 1379 | Viewed: 2113 | Votes: 11 | Rating: 2.27 As most of us sit down at our computers each day, we might realize that we have begun to take this Information Age for granted. What would we do if we did not have 24/7 Internet connections to keep us connected to the world?
31	Credit Card Companies Reward Consumers Who Shop Around Written by: Braxton Heitz | Distributed: 2009-11-03 | - Word Count: 1159 | Viewed: 1473 | Votes: 10 | Rating: 2.50 With Ronald Reagan came mass deregulation in many industries. One of the industries that benefited from deregulation was the financial industry. As a result, hundreds of new financial companies were introduced to the American consumer during the 1980's. With the sudden explosion of new competitors in this industry, credit card companies began to struggle with how to retain existing customers and to recruit new customers.
32	The Effect of Inflation and Deflation on Retirees Written by: Irene A. Majchrzak | Distributed: 2009-10-27 | - Word Count: 1324 | Viewed: 1512 | Votes: 1 | Rating: 0.00 When we worry about how long our retirement income will last, we consider so many factors. The current economy is causing a drain on 401(k)'s and IRA's. So we have become much more cautious about withdrawing money to use it as part of our pensions.
33	Learn About Short Term Insurance Written by: Tom Lustina | Distributed: 2009-10-15 | - Word Count: 337 | Viewed: 626 | Votes: 1 | Rating: 1.00 This is by no means an extensive lesson about short term insurance, but it is a good start. Since most policies are temporary, coverage is relatively cheap.
34	Why 529 College Savings Plans Still Make Sense Written by: Charles Montgomery | Distributed: 2009-10-15 | - Word Count: 544 | Viewed: 781 | Votes: 1 | Rating: 0.00 Discussion of saving for college and investing in 529 plans. Answers the question, 'Is it safe to invest in a 529 plan?'
35	Ten Tips: When You Lose Your Health Insurance Written by: Rickey Pearce | Distributed: 2009-09-29 | - Word Count: 319 | Viewed: 725 | Votes: 5 | Rating: 2.80 Tips on how to cope with losing your health insurance and replace it if possible.
36	Hedge Your Bets With Job Loss Protection Insurance Written by: Kyle Fitzsimmons | Distributed: 2009-08-28 | - Word Count: 372 | Viewed: 1382 | Votes: 9 | Rating: 2.89 Even if you believe your job to be secure in the current economic downturn, you should learn about Job Loss Protection Insurance, just in case your "secure job" gets eliminated. You should also understand what your Job Loss Protection Insurance policy will actually do for you. The time to learn what your insurance policy does and does not cover is NOT when you have lost your job and your agent tells you that your policy does not cover "that".
37	Understanding Gambling Addiction Written by: Skyler Ace | Distributed: 2009-07-22 | - Word Count: 715 | Viewed: 1817 | Votes: 13 | Rating: 2.54 There's nothing wrong with gambling, if you use it the right way - as means of having fun, as a hobby or a way of de stressing. The danger comes when the roles get reversed and gambling starts using you.
38	Easy Tips To Reduce Your Cost Of Living And Survive Recession Written by: Fred Vanhoosen | Distributed: 2009-07-14 | - Word Count: 505 | Viewed: 1298 | Votes: 15 | Rating: 2.53 Recession is a period of general economic decline and we need to prepare for it. Surviving the recession is much easier when you are prepared for it. Here are some tips for surviving the current economic crisis.
39	Cutting Corners In A Stressed Economic Situation Written by: Hadley Kincaid | Distributed: 2009-07-09 | - Word Count: 603 | Viewed: 918 | Votes: 8 | Rating: 2.38 The economy has really taken a toll upon my family. My wife was laid off from her job, significantly reducing our total monthly income. This has forced us to stick to a very rigid budget, cutting our cost of living and finding money where we never expected to find extra money.
40	Taking Advantage of the Stock Market Written by: Irene A. Majchrzak | Distributed: 2009-07-09 | - Word Count: 738 | Viewed: 914 | Votes: 8 | Rating: 3.50 Is the market rebounding? The Dow, leveling out each week because it gets a rise in the market one day and a pullback the next day, comes from investors' taking their profits. This will probably continue for a year or so until the really large investors such as Hedge Fund Managers, Institutional Investors like Mutual Fund and 401(k) managers start purchasing the really great stocks at lower prices for the longer term. You may have questions... This article will show you how you can take advantage of the current stock market conditions...
41	13 Tips For Saving Money And Reducing Your Cost Of Living Written by: Fred Vanhoosen | Distributed: 2009-07-09 | - Word Count: 899 | Viewed: 933 | Votes: 12 | Rating: 2.42 During this current economic downturn, people are rediscovering how to save money during hard times. In this article, we document thirteen of the most useful tips for helping you and your family save money and reduce your overall expenses.
42	Can Debtors Afford Bankruptcy? Finding Low-Cost, Cheap Bankruptcy Written by: Benji O. Anosike | Distributed: 2009-07-08 | - Word Count: 1718 | Viewed: 1265 | Votes: 14 | Rating: 1.93 It seems there is today in these current hard national economic times, palpably one ominous additional burden for the average heavily indebted American consumer who, perhaps, sees his or her only recourse for some relief from his crushing debt as lying in filing bankruptcy: the cost for bankruptcy, and finding cheap, low-cost bankruptcy that debtor can afford. This often mean, in essence, finding pro se or non lawyer bankruptcy alternative. The bankruptcy lawyers' current fees for bankruptcy are so high they've been said by one expert to have "priced the average debtor out of bankruptcy." In deed, according to some bankruptcy experts, many of whom are themselves bankruptcy lawyers, though a new record of some 1.1 million debtors filed for bankruptcy in 2008, yet another set of debtors of equal size qualify for and seek to file for bankruptcy, but can't do so merely for the fact that they cannot afford to pay the lawyers fees. Consequently, affordability of bankruptcy cost constitutes the most critical impediments today to being able to file for bankruptcy for the average debtor seeking to file bankruptcy.
43	Understanding Compulsive Gambling Written by: Skyler Ace | Distributed: 2009-07-08 | - Word Count: 700 | Viewed: 1289 | Votes: 8 | Rating: 2.50 People gamble for many reasons. Some do it for the pure thrill and fun of it, and others just because they're feeling lucky, and many do it out of habit. Whatever the reason may be, gambling becomes a problem when it is done in excess. In fact, people often don't realize that it's become an addiction, until they are in so deep and affects normal life. This checklist will help you determine if you are a compulsive gambler, who is in need of help.
44	How to Invest in a Rough Economy: Investment Advice from the Experts Written by: Sarah Simmons | Distributed: 2009-07-08 | - Word Count: 692 | Viewed: 769 | Votes: 8 | Rating: 3.38 The stock market crash of 2008 lost many investors a lot of money, and had many other investors bailing out of stocks for the safety of savings and checking accounts, treasury bills and gold. However, it is still possible to invest - and yes, even make money - during the current rocky economy.
45	21 Plus Tips To Help You Recover From A Personal Financial Crisis Written by: Fred Vanhoosen | Distributed: 2009-07-07 | - Word Count: 2200 | Viewed: 977 | Votes: 13 | Rating: 1.69 In this article, we show you exactly how we were able to overcome a recent financial crisis in our family's personal finances. We detail 21 primary tips that can help you reduce your overall cost of living, but we also include other tips that can help you to recover your finances enough to survive the crisis.
46	Protection of Your Hard-Earned Retirement Written by: Irene A. Majchrzak | Distributed: 2009-07-07 | - Word Count: 872 | Viewed: 787 | Votes: 13 | Rating: 2.54 Many articles discuss debt, what it is, how to get out and stay out, how to learn to spend cash instead of using credit cards and how to give up the bad debt habits developed over a lifetime. More articles discuss your retirement accounts, what the mutual funds really look like internally, how to choose investments based on your tolerance for risk and different strategies for investing in today's economy. What is only lightly touched on is protection of your lifestyle today and in Retirement, which is what you will discover in this article...
47	A Baker's Dozen of Grocery Coupon Websites And Resources Written by: Fred Vanhoosen | Distributed: 2009-07-07 | - Word Count: 580 | Viewed: 1262 | Votes: 13 | Rating: 2.38 In the past, many people read newspaper and magazine articles about and watched news segments showing others who often food shop for free using coupons. The average family often does not have the time to organize and purchase food in bulk to make such a stupendous leap into savings. But, by following the links in the article and visiting the referenced websites once a month, any family can learn how to cut their grocery costs from a little to a lot...
48	Seven Tips That Could Add Hundreds Of Dollars To Your Monthly Budget Written by: Fred Vanhoosen | Distributed: 2009-04-23 | - Word Count: 1348 | Viewed: 896 | Votes: 6 | Rating: 3.33 In this article, we offer seven tips that if used can help the average American family reduce their living expenses by at least $100 per month.
49	When Pennies Count, These Budgeting Tips Could Save You Hundreds of Dollars Per Month Written by: Fred Vanhoosen | Distributed: 2009-04-22 | - Word Count: 911 | Viewed: 841 | Votes: 5 | Rating: 2.20 The current state of the economy has been a wake-up call for many people and it's causing them to get serious about saving money and eliminating debt now. This article will give you a lot of ideas on how to reduce your spending, pay off your debts, and move more money into savings - through the current recession or any financial emergency you may experience.
50	Debt, America's Greatest Failure at All Levels of Society Written by: Irene A. Majchrzak | Distributed: 2009-04-21 | - Word Count: 775 | Viewed: 930 | Votes: 2 | Rating: 3.00 The truth is debt management cannot start early enough. When your debt is minimal, for needs only, you can stop the bleeding from your bank account and investments by buying less. Begin to learn how your buying and spending habits contribute to your debt. Uncontrolled Debt has the most disastrous effect on your lifestyle and retirement.
51	The Joy of Being Debt-Free Written by: Irene A. Majchrzak | Distributed: 2009-04-16 | - Word Count: 429 | Viewed: 1725 | Votes: 9 | Rating: 3.00 Being debt-free! What would that mean for your life? It could mean the difference between a good retirement and a great retirement leading to more freedom to have the things you want.
52	Will Global Financial Crisis Result in Benefits to Expired Domain Market? Written by: John Khu | Distributed: 2009-04-15 | - Word Count: 495 | Viewed: 809 | Votes: 3 | Rating: 2.00 The year 2009 seems to be a year of uncertainties and imponderables. Now that this year is in front of us, most people are under tremendous tension and stress with looming job losses and depreciation of cash assets. With so much doubts lingering about their abilities to make a decent living, people may start looking for alternative sources of income that is just enough to sustain their living. When the money deposits are no safer in a bank, how does an investor plan to keep his or her money?
53	Government Measures to Help with Health Insurance Written by: Kevin Kielty | Distributed: 2009-04-02 | - Word Count: 502 | Viewed: 908 | Votes: 2 | Rating: 3.00 Changes to COBRA and the State Children's Health Insurance Program can provide valuable assistance to those recently unemployed.
54	3 Mistakes Guaranteed to Increase Your College Costs Written by: Marc R. Hill | Distributed: 2009-04-02 | - Word Count: 959 | Viewed: 795 | Votes: 4 | Rating: 3.75 The decision to reduce your college costs is entirely in your hands. While it's commonly believed that there's nothing you can do to reduce these expenses, as a financial planner and as a parent, I can assure you that the strategies not only exist, but they're also very effective. But on the flip side of the college funding coin, there are some pricey mistakes that any parent can make. Let's take a look at three of these mistakes.
55	Advantages and Disadvantages of Individual and Group Health Insurance Written by: Kevin Kielty | Distributed: 2009-04-01 | - Word Count: 639 | Viewed: 2476 | Votes: 9 | Rating: 2.78 The cost of individual and group health insurance coverage varies greatly as does the type of coverage they both offer. Making the switch can bring some surprises.
56	Investing in Life's Necessities Written by: Mack Courter | Distributed: 2009-04-01 | - Word Count: 1324 | Viewed: 739 | Votes: 6 | Rating: 3.00 With the stock market down 55% or so from its high of October 2007, many investors feel they are between the proverbial rock and a hard place. We've all seen the data that shows that over the long term, stocks outperform every other common asset class, but that knowledge certainly doesn't make the going any easier on a day to day basis.
57	Tips For Restoring Your Credit In The Aftermath Of Foreclosure Written by: Fred Vanhoosen | Distributed: 2009-03-19 | - Word Count: 1621 | Viewed: 795 | Votes: 8 | Rating: 1.75 If you have met foreclosure or bankruptcy and you are wondering about your ability to rebuild your credit, this article will be useful to you, as it shows you several techniques for rebuilding credit after foreclosure, repossession or bankruptcy.
58	Learn From History - The Anatomy Of An Economic Meltdown Written by: Arlo Mooney | Distributed: 2009-03-18 | - Word Count: 2376 | Viewed: 978 | Votes: 6 | Rating: 2.50 When we look at the current economic crisis, lots of people are asking how we got into this mess. This story walks out the steps the brought us into the current economic meltdown, prompted by the recent credit crisis.
59	Options for Affordable Health Insurance Written by: Kevin Kielty | Distributed: 2009-03-03 | - Word Count: 732 | Viewed: 825 | Votes: 6 | Rating: 2.17 Every day many more people are finding themselves out of a job during this recession. With the loss of a job comes the loss of health insurance coverage. Finding affordable health insurance to replace an employer-sponsored plan, is becoming a high priority for many families.
60	Happy New Year, Class of '10! And Welcome to Your College Financial Aid Base Year Written by: Marc R. Hill | Distributed: 2009-02-27 | - Word Count: 695 | Viewed: 873 | Votes: 4 | Rating: 3.25 As they were ringing in the New Year on January 1, high school juniors and their parents were also ringing in their college financial aid "base year." Understanding the pros and cons of any financial moves made during your base year - or any year in which financial aid is applied for - from both a tax and financial aid standpoint goes a long way toward determining what you pay for college. So, let's take a look.
61	Buying Property In Italy On The Cheap Written by: Fabrizio Giglioli | Distributed: 2009-02-24 | - Word Count: 511 | Viewed: 1636 | Votes: 7 | Rating: 2.57 An Italian property expert offers invaluable tips on where to buy the cheapest properties in Tuscany.
62	Easy Loans During the Current Credit Crunch Written by: Arlo Mooney | Distributed: 2009-02-24 | - Word Count: 745 | Viewed: 1389 | Votes: 2 | Rating: 2.00 Everyone is talking about the difficulty of borrowing money right now during the current credit crunch. But I have learned from my unique experience that there is still money available to borrow, even in these current market conditions.
63	A Cruzader Christmas Written by: Lisa Stockmann Karp | Distributed: 2009-01-23 | - Word Count: 1185 | Viewed: 1048 | Votes: 4 | Rating: 2.50 Jun and Joyce Dela Cruz couldn't believe their eyes. In November 2000, they watched a disturbing television news report that changed their Christmas forever. Thousands of the more than 10,000 homeless on Los Angeles' Skid Row would be going without a Thanksgiving or Christmas meal that year.
64	Anybody Can Spend, but Can You Save? Written by: Rich Thawley | Distributed: 2009-01-22 | - Word Count: 527 | Viewed: 1203 | Votes: 13 | Rating: 3.77 We have a great weakness in our society of wanting immediate gratification. We are under a constant barrage in all forms of media to buy this or to buy that. In our world of credit cards and charge accounts it is a challenge for many to resist the temptations of materialism. Don't get me wrong, I think it's fun to have nice things, but only after we can afford them.
65	Banks Do Not Want To Foreclose Your Home Written by: Arlo Mooney | Distributed: 2009-01-09 | - Word Count: 1166 | Viewed: 1516 | Votes: 12 | Rating: 2.58 When the phone is ringing every day and the bank is threatening to foreclose your home, because you are behind on payments, it is easy to believe that the banker is drooling over the possibility of foreclosing on your home. But you should know that the bank stands to lose a lot of money if they are forced to foreclose on your home. Read this article to learn the real truth about banks and foreclosures.
66	Available Loan Products During a Credit Crunch Written by: Fred Vanhoosen | Distributed: 2008-12-10 | - Word Count: 1273 | Viewed: 893 | Votes: 4 | Rating: 1.75 As we turn on the news each day or pick up our local newspaper, we are inundated with the bad news about the effects of the credit crunch on the larger economy. With so much bad news about the economy, it is easy to believe that the credit crunch is deep running and affecting every sector of the economy. But the truth of the matter is that the credit crunch is pretty much regional in nature and it is only affecting certain types of lending. Continue reading this article as we explain this assertion.
67	Payday Loans - Convenience and Danger Written by: Fred Vanhoosen | Distributed: 2008-12-08 | - Word Count: 1027 | Viewed: 971 | Votes: 6 | Rating: 3.17 Payday / Cash Advance Loans are a godsend for those consumers who truly have a temporary short-term cash need, but what is a blessing for one consumer can easily be a nightmare in the offing for another consumer whose financial needs are more dire and long-term in nature. Get the facts before you select this kind of loan product.
68	Embracing the Recession Written by: Heather Villa, CMA, MBA, MSM | Distributed: 2008-11-25 | - Word Count: 682 | Viewed: 921 | Votes: 5 | Rating: 4.00 We live in uncertain economic times. Every time we turn on the news we hear of another company that is going under or another company that is laying off thousands of its workforce or another company that has had to respond to a lack of shareholder confidence with kneejerk reactions. People just don't want to watch the news anymore!
69	On Being Ready for Recession Written by: Tim Benedict | Distributed: 2008-11-17 | - Word Count: 564 | Viewed: 798 | Votes: 4 | Rating: 3.00 One of the biggest problems people faced during the Great Depression was that they just weren't prepared for it, and didn't know how to respond to it once it hit. But they could have been.
70	Hopefully President Obama Will Break A Few Campaign Promises Written by: Arlo Mooney | Distributed: 2008-11-07 | - Word Count: 1272 | Viewed: 1100 | Votes: 7 | Rating: 3.14 Although I did not vote for President Barack Obama, I wish him well and I hope that he is as successful as President Bill Clinton. But I also hope that there is one campaign promise that Obama breaks, and here is the reason why I hope he breaks this promise...
71	Finding Money in a Credit Crunch Written by: Daniel Lamaute | Distributed: 2008-10-28 | - Word Count: 525 | Viewed: 968 | Votes: 5 | Rating: 2.00 The credit crunch coupled with a recession means that access to capital has become scarce for most businesses and individuals alike. The crashing home prices have wiped away the ability of most individuals and small business owners to obtain cash from home equity withdrawals or in refinancing their house.
72	Top 5 Things You Can Do to Sell Your House Written by: Bob Johnston | Distributed: 2008-09-03 | - Word Count: 761 | Viewed: 1235 | Votes: 4 | Rating: 1.25 In the past couple years, the real estate market has been flagging and the economy overall has been floundering. With the economy where it is, it is becoming more and more difficult to sell your home at this time. If you want to sell your home for a great price, you are going to have to work hard to sell your home and to make it look desirable in today's market. While it may seem difficult to sell these days, there are things you can do to make your home an attractive buy for buyers today. Here are the top five things you need to do if you want to sell your home as soon as possible, even on a market that is on the downswing today.
73	Four Simple Steps to Recession-proof Your Income Written by: Mike Peterson | Distributed: 2008-09-02 | - Word Count: 1020 | Viewed: 882 | Votes: 5 | Rating: 2.20 Recession. It's a scary word that makes even the most fiscally responsible among us cast a nervous eye on our bank accounts. Even scarier, not everyone can even agree whether our economy is in a temporary slump or an all-out free fall. But, recession or not, you can take steps to ensure that you and your family are secure in a weak economy.
74	Why Over 3,000 US Companies Have Chosen the Frankfurt Stock Exchange to Go Public Written by: Ron Crowe | Distributed: 2008-07-31 | - Word Count: 786 | Viewed: 3647 | Votes: 12 | Rating: 2.42 The Frankfurt Stock Exchange, one of the world's largest trading centers for securities, has over 3,000 United States companies listed. North American and other foreign companies are choosing Europe, over the United States, to go public because of the punishing Sarbanes Oxley Act introduced in the United States in 2002.
75	Reverse Mortgage Costs Are Not Too High Written by: N. Sioris | Distributed: 2008-07-29 | - Word Count: 1120 | Viewed: 977 | Votes: 6 | Rating: 3.50 Reverse mortgage costs are repeatedly cited as one of the main reasons for seniors not to get a reverse mortgage loan. However, the same folks that harp on costs as being a reason not to use this financial resource rarely offer a less expensive option or an alternate proposal. Don't fall into the trap of listening to the negative hype without doing your own research. Find out what the true costs are and whether they are justified or not. Compare the cost of a reverse mortgage to the cost of selling your home, downsizing or moving into assisted living. Pull back the curtain and take a good look, then make your own determination. Don't base your decision on an uninformed friend, relative or media reporter.
76	Five Reasons Why Nice Girls Don't Get Rich Written by: Lois P. Frankel, Ph.D. | Distributed: 2008-07-24 | - Word Count: 587 | Viewed: 245 | Votes: 0 Based on book Nice Girls Don't Get Rich, this article illuminates five personality types that prevent women from accumulating wealth.
77	The Cost Segregation Study Process for Achieving Real Estate Investment Tax Benefits Written by: Casey Moher | Distributed: 2008-07-22 | - Word Count: 908 | Viewed: 1828 | Votes: 13 | Rating: 3.38 Real estate investors and owners can greatly benefit from using cost segregation studies in order to accelerate the overall property depreciation. This may sound baffling at first glance, but when you realize the dramatic current income tax benefit, the advantages become much clearer.
78	Reverse Mortgages Are Not Part Of Foreclosure Crises Written by: Niki Sioris | Distributed: 2008-06-24 | - Word Count: 789 | Viewed: 810 | Votes: 5 | Rating: 2.60 Many people confuse reverse mortgages with traditional forward mortgages and are hesitant to consider them during the current housing crises. This article explains why reverse mortgages are safe from the chaos going on in the housing and credit markets.
79	FHA Loans- Affordability Solutions for First Time Homebuyers Written by: Jared Martin | Distributed: 2008-06-05 | - Word Count: 1131 | Viewed: 5089 | Votes: 27 | Rating: 3.30 This article discusses the features of the FHA loan, both good and bad, and presents the circumstances under which it’s a beneficial program to the homebuyer.
80	In Fear of Retirement Written by: Daniel Lamaute | Distributed: 2008-05-08 | - Word Count: 646 | Viewed: 1171 | Votes: 7 | Rating: 3.86 Many baby boomers are staring at retirement like a deer caught on oncoming headlights. They are not sure what to do or what else to do. They fear that whatever they have in savings just might not be enough. Less than 1 out of 5 workers felt very confident about having enough money for a comfortable retirement, according to the April 2008, EBRI Retirement Confidence Survey. And with good reasons, inflation is zooming at the same time that asset values are flagging.
81	Consolidating of High Rate Credit Card Debt with a 401K Loan Written by: Daniel Lamaute | Distributed: 2008-04-23 | - Word Count: 406 | Viewed: 1672 | Votes: 7 | Rating: 1.29 Banks are putting the squeeze on even their best long term card holders at a time when other sources of credit, such as home equity loans for example, are harder to come by. A lot of people are shocked to receive notices that their credit card rate has jumped to as high as 28 percent even though they've kept good credit and an excellent payment history.
82	Micro Lending: Find Your Voice And Inspire Others To Find Theirs Written by: Robert Thornton | Distributed: 2008-04-23 | - Word Count: 748 | Viewed: 2309 | Votes: 7 | Rating: 2.57 Many, many thousands of people in the third world have achieved economic independence through the pioneering work of internationally revered Nobel prizewinner Muhammad Yunus. As the founder of the Grameen Bank, the world's first lending institution to focus solely on providing unsecured start-up capital for the working poor, Professor Yunus has gained world-wide recognition and a slew of awards for his extraordinarily effective efforts.
83	For Love and Money - Minimize Financial Trouble In Relationships Written by: Kimberly Clay | Distributed: 2008-04-16 | - Word Count: 933 | Viewed: 1247 | Votes: 6 | Rating: 2.00 All too often, dealing with money matters within relationships is much like mixing oil and water. The two simply don't mix. Whether we're talking about family members, friends or others close to us, when money concerns enter into the relationship, all too often things turn out badly.
84	What's the Scoop on Payday Loans? Written by: Robert Thornton | Distributed: 2008-04-15 | - Word Count: 1014 | Viewed: 972 | Votes: 5 | Rating: 3.40 What is a payday loan? A payday loan is a loan provided until your first or second payday that rarely exceeds 30 days, in most cases not to exceed 14 days. It is a high interest loan with no credit check.
85	How to Avoid Private Mortgage Insurance (PMI) Written by: Jim Cramer | Distributed: 2008-02-20 | - Word Count: 523 | Viewed: 1157 | Votes: 6 | Rating: 2.50 There is more than one way to get your desired home without having the 20 percent down payment and avoid PMI at the same time.
86	Using a 401K Loan to Stop Foreclosure Written by: Daniel Lamaute | Distributed: 2008-02-11 | - Word Count: 465 | Viewed: 5197 | Votes: 14 | Rating: 2.29 A bankruptcy or foreclosure can cripple one's ability to obtain decent credit for many years. In addition, some employers and landlords won't hire or rent to a candidate with terrible credit history. Thus, it is a good idea to discuss all options with a financial planner before ending in bankruptcy or foreclosure.
87	Protecting Your Aging Relative's Financial Security Written by: Denise M. Brown | Distributed: 2008-02-06 | - Word Count: 425 | Viewed: 1073 | Votes: 7 | Rating: 2.14 Your aging relative needs help at home. Before hiring home care, take time to protect your care recipient's financial security. It's not that you don't trust, it's that you value prudence.
88	Beating the Stock Market Written by: Dustin Johnson | Distributed: 2008-02-05 | - Word Count: 419 | Viewed: 1049 | Votes: 10 | Rating: 3.20 Many people dream about beating the market through their stock investments. However, is this really worth the effort and is it really possible?
89	Deals For My Wheels! How Do I Sell This Thing? Written by: Adam Rooney | Distributed: 2008-01-30 | - Word Count: 500 | Viewed: 1755 | Votes: 9 | Rating: 2.22 Are you ready to cash in your existing vehicle for a newer model, or are you just looking for ways to unload a gas guzzler? Selling your car can be daunting - from listing to showing and all of that paperwork. But done correctly, your efforts can pay off in the end. Here's a few tips on selling your used car or truck:
90	Why Should I Invest In Mutual Funds? Written by: Eric Krammer | Distributed: 2008-01-29 | - Word Count: 470 | Viewed: 1224 | Votes: 6 | Rating: 3.50 Hoping that the lottery will make you rich is as unreasonable. However, mutual funds have proven that they are a good investment tool that has been successfully used by many, which has resulted in accumulation of a real fortune.
91	Will You Outlive Your Retirement? Written by: Bill Garrett | Distributed: 2007-12-26 | - Word Count: 1193 | Viewed: 1123 | Votes: 4 | Rating: 2.25 Today, Americans are living longer than ever. During the twentieth century life expectancy in America increased from age 47 to age 77. Longer life spans present problems for retirees, however. Assuming some rate of inflation, you will need an ever- increasing income to maintain your standard of living.
92	Curious Employee Foils Corporate Credit Card Fraud Scam Written by: Scott Burke | Distributed: 2007-12-25 | - Word Count: 1411 | Viewed: 1241 | Votes: 11 | Rating: 2.45 MOLLY, THE ASSISTANT, Molly treasurer at XYZ Corp. in Miami, opened an e-mail from a former colleague who no longer worked for the organization. The e-mail read: "Hi Molly, there should be a refund of $716 on my old corporate Visa card from the IP Conference. I paid for, but did not attend, the conference and did not turn in the charge to XYZ for reimbursement. Can you have Visa issue a refund check to me? Thanks very much for your help."
93	Understanding Credit Card Transaction Fees Written by: Scott Burke | Distributed: 2007-12-18 | - Word Count: 813 | Viewed: 1986 | Votes: 6 | Rating: 2.00 Q: I'm starting a new business and want to accept credit cards. It seems that all the credit card processors charge a lot of fees for each transaction. What are these fees?
94	All I Want For Christmas Is a New Roof? Written by: Wesley Berry, AAF | Distributed: 2007-12-12 | - Word Count: 443 | Viewed: 2534 | Votes: 4 | Rating: 2.25 What are you wishing for this Christmas? One Ohio florist is getting a new roof that he hopes will not only be strong enough to withhold the weight of Santa Claus, but also to prevent any further rain from damaging his flower shop.
95	Is Investing In A Trading System A Rip Off Compared To Going To University? Written by: Dean Whittingham | Distributed: 2007-12-11 | - Word Count: 828 | Viewed: 1174 | Votes: 8 | Rating: 3.00 The differences between a university education and that of a financial eduction are massive. Apart from the costs, the main difference is perception. However there is also now a glaring difference between tuition that works and tuition that does not. Most can not see the difference until it's too late.
96	Making Money With Your 1st Or 50th Website Using Google Adsense Written by: Clinton Douglas IV | Distributed: 2007-12-06 | - Word Count: 1721 | Viewed: 1956 | Votes: 10 | Rating: 2.70 If you are just starting online with your first website, you have quite a learning curve in front of you. I know that your learning curve is still long, because I have been making money online for years, and I am still learning new stuff everyday
97	How Do You Make Money In Currency Trading? Written by: Tom Howze | Distributed: 2007-12-05 | - Word Count: 727 | Viewed: 1038 | Votes: 4 | Rating: 3.00 The question, "How do you make money in currency trading?" is being asked by investors and potential investors worldwide as they witness the multi-year downturn trend of the US dollar and upswings in other currencies such as the Euro or Canadian Dollar.
98	Section 179 - 4th Qtr Tax Saving Strategy for Small Business Written by: Sean Marten | Distributed: 2007-12-05 | - Word Count: 345 | Viewed: 1888 | Votes: 6 | Rating: 3.33 Use the power of available deductions to boost your business's bottom line in 2007. Purchase new or "new to you" used business equipment now. Then place it in service by December 31st to realize exceptional tax savings.
99	A Better Way To Sell A Structured Settlement - Via Auction Written by: Clayton Frantz | Distributed: 2007-11-30 | - Word Count: 1342 | Viewed: 1130 | Votes: 8 | Rating: 2.75 Structured settlements were introduced in Canada and the United States in the 1970's. They were introduced as an alternative to lump sum payments, common in insurance settlements and lottery winnings. In the decades since, they have also been accepted as legal financial instruments in England and Australia. In a nutshell, a structured settlement by legal definition is a statutory agreement to pay a specified sum of money over a period of time, on a payment system.
100	Small Business and Work Opportunity Tax Act of 2007 Written by: Michael Schlesinger | Distributed: 2007-11-27 | - Word Count: 998 | Viewed: 1088 | Votes: 3 | Rating: 3.33 The 2007 Small Business Tax Act ("SBTA") targets a number of situations, namely, small businesses by providing tax incentives such as extending and enhancing the Code Sec. 179 expensing, extending the Work Opportunity Tax Credit, etc. To make the new bill revenue neutral, revenue raising provisions were inserted, namely expansion of Code Sec. 1(g)'s Kiddie Tax
101	The Tale Of A 100 Traders And 1 Trading System Written by: Dean Whittingham | Distributed: 2007-11-15 | - Word Count: 728 | Viewed: 1074 | Votes: 5 | Rating: 3.00 100 traders were subscribed to and given a stock pick from a highly reputable trader/advisor. The pick came with entry price, stop loss and method of trail. His accuracy in the past has made him second to none, however very few of his clients can make the sort of returns he does, even though they follow his stock picks religiously.
102	Equipment Financing and The Five Cs of Credit Evaluation Written by: Sean Marten | Distributed: 2007-10-17 | - Word Count: 698 | Viewed: 1251 | Votes: 6 | Rating: 3.50 Equipment financing lenders, as well as banks, use the Five Cs to evaluate loan applications: Character, Credit, Cash Flow, Capacity and Collateral. However, while banks look at small-to-medium size companies from a Fortune 500 perspective, equipment financing companies see applicants from a small business perspective, which highlights a sixth C: Common Sense.
103	Selecting Between a 401(k) And 403(b) For a Nonprofit Written by: Daniel Lamaute | Distributed: 2007-10-11 | - Word Count: 333 | Viewed: 6247 | Votes: 17 | Rating: 2.65 Newly released IRS regulations impose several new requirements and fiduciary responsibilities on employers with 403(b) plans. While the regulations generally don't take effect until January 1, 2009, there are some provisions that apply sooner.
104	Where to Start When You Have Bad Credit Written by: Grant Eckert | Distributed: 2007-10-10 | - Word Count: 569 | Viewed: 1084 | Votes: 3 | Rating: 3.33 Whether they realize it or not, more people than ever have bad credit. When it comes to buying a home, this is bad news for the prospective buyer. If you are ready to buy a home, you need good credit in order to impress the lenders you will be asking to loan you money. But sometimes it can be confusing to see where you should begin to repair your credit. With so many leaks in your financial history, how do you begin to plug them up?
105	401K Loans for Emergencies Written by: Daniel Lamaute | Distributed: 2007-10-10 | - Word Count: 343 | Viewed: 1297 | Votes: 9 | Rating: 3.00 For many people the quickest way for them to access an emergency loan quickly is to tap their credit cards, or their retirement account. But these methods have their drawbacks. Credit cards generally carry high double digit interest rates and wicked fees. On the other hand, early withdrawals from an IRA or 401K can trigger tax and penalties of up to 45% of the money withdrawn.
106	The Panic Of 2007 - The Recent Volatile Markets Explained Written by: John F. Mauldin | Distributed: 2007-08-28 | - Word Count: 5305 | Viewed: 1215 | Votes: 4 | Rating: 2.75 This article covers China possibly revaluing their currency, the Subprime debacle, Hedge Funds and their quantitative systems, and the difference between the markets now and 1998.
107	Subprime and the Fugu Ultimatum Written by: John F. Mauldin | Distributed: 2007-08-24 | - Word Count: 4635 | Viewed: 1159 | Votes: 7 | Rating: 2.43 This article covers China possibly revaluing their currency, the Subprime debacle, Hedge Funds and their quantitative systems, and the difference between the markets now and 1998.
108	Automated Trading Systems For Financial Markets And Recommendations For Their Usage Written by: Nikita Laukhin | Distributed: 2007-07-31 | - Word Count: 2011 | Viewed: 1273 | Votes: 10 | Rating: 2.90 Today, using information and trading platforms has become a de facto requirement for successful trading in the financial markets. Their advantages as compared to conventional trading schemes include, for example, an unprecedented speed of processing and delivery of information to end users, the level of integration with data providers, and a wide array of built-in technical analysis instruments.
109	How An Envelope Online Budgeting System Can Help You Take Control Of Your Finances Written by: Gust Lenglet | Distributed: 2007-06-22 | - Word Count: 626 | Viewed: 1253 | Votes: 6 | Rating: 3.67 Have you ever felt that your hard-earned cash is slipping through your fingers? Are you genuinely surprised by how much money you and your family spend? Do you regularly run out of money before the end of the month? Are you racking up credit card debts to fund the difference between what you earn and what you spend? Do you wish that you had more control over your personal budget or your household budget? Don't just sit there, take control over your finances.
110	How Generation *R* Got It Right! Written by: Kent Jacobson a.k.a. Mr. Success | Distributed: 2007-06-14 | - Word Count: 472 | Viewed: 1460 | Votes: 10 | Rating: 3.40 Who is generation R? I'll tell you, they are our retired mothers and fathers, and even our grandparents who were born in the 20's and 30's. Why am I writing about this generation of people?
111	Reduce The Stress Of Home Selling By Making Good Decisions Early Written by: Claudia Abberley | Distributed: 2007-06-12 | - Word Count: 1117 | Viewed: 1504 | Votes: 6 | Rating: 2.00 Relocating is always a difficult thing to do, and selling your current home will only add to the hassle. Being able to quickly find a buyer for your home is ideal. Having an unoccupied home you have to continue paying for becomes a real financial burden, especially when the selling process drags on for a long period of time. Selling your home before you begin paying for another one is the best alternative for your bank account.
112	Direct Lender And Commercial Mortgage Broker Differences. Written by: Kirkham Burbidge | Distributed: 2007-05-01 | - Word Count: 1216 | Viewed: 1423 | Votes: 6 | Rating: 2.17 Navigating the seemingly dangerous waters of lending can be tricky. But let's face facts, you need money for a building and don't have it. The good news is: money is more available now than ever before and in today's market the rates are better than ever.
113	Is There A Perfect Storm Brewing For Single Family? Written by: Donna Robinson | Distributed: 2007-03-19 | - Word Count: 921 | Viewed: 1335 | Votes: 6 | Rating: 2.17 A glut of new construction combined with higher than normal resale inventory, plus a sharp increase in foreclosures is leading to massive oversupplies of single family housing in most areas of the country.
114	Check The Appraisal Carefully To Avoid Being A Fraud Victim Written by: Donna Robinson | Distributed: 2007-03-15 | - Word Count: 893 | Viewed: 1169 | Votes: 5 | Rating: 2.80 There is a type of fraud in which an unsuspecting Real Estate investor believes he is buying a property worth a certain amount, when in reality the property is worth much less. This places the investor in a hopelessly upside down situation, owing more money than the property will ever be worth.
115	Mortgage Arrears And Repossession Guide -- How To Prevent Repossession Written by: James Copper | Distributed: 2007-03-09 | - Word Count: 1084 | Viewed: 1468 | Votes: 6 | Rating: 2.33 A look at what happens when you fall into debt and fail to keep up to date on your mortgage payments. Including an overview of the repossession process.
116	Your Credit Rating And Loans - The Facts Written by: James Copper | Distributed: 2007-03-07 | - Word Count: 679 | Viewed: 1158 | Votes: 9 | Rating: 2.44 An overview of how credit scoring works and how it affects your ability to get financing.
117	3 Classic No Down Payment Strategies Written by: Donna Robinson | Distributed: 2007-03-02 | - Word Count: 1114 | Viewed: 1453 | Votes: 6 | Rating: 2.00 Everyone has heard a story or read about someone who bought a property without paying a single dime as a down payment. But how does this work? There are several * classic * methods commonly used to purchase real estate with no money down. There are an infinite variety of situations in a real estate transaction that could lead to a deal with no down payment. But for the sake of reality, I will focus on those that are most commonly seen in the current market.
118	Ten Important Questions To Ask Your Mortgage Loan Broker Written by: James Copper | Distributed: 2007-02-20 | - Word Count: 820 | Viewed: 1376 | Votes: 10 | Rating: 2.50 A list of ten questions that you need to consider and ask your mortgage broker before you take out a home loan.
119	Protecting Assets from Nursing Home Costs Written by: Rocco Beatrice | Distributed: 2007-01-24 | - Word Count: 470 | Viewed: 2159 | Votes: 9 | Rating: 2.44 About protecting senior/elder assets before entering nursing home. Planning for your retirement by reducing your nursing home costs has to be done early and definitively 5 years before you plan to get sick. If offering is a taxable gift then taxes are paid on the gift by the transferor; oppositely, the receiver obtains the gift tax-free.
120	Medicaid Asset Protection Written by: Rocco Beatrice | Distributed: 2007-01-23 | - Word Count: 646 | Viewed: 1293 | Votes: 7 | Rating: 3.43 Learn how to include senior Medicaid asset protection as part of your senior tax planning strategies. What are the tax implications of Medicaid and why it needs to be planned carefully? About seniors Medicaid asset protection as part of the senior tax planning strategies. Explains the new 5-year look back provisions for seniors to qualify for Medicare assistance into nursing home program.
121	Questions to Ask Your Realtor Written by: Clint Wooley | Distributed: 2007-01-23 | - Word Count: 380 | Viewed: 1205 | Votes: 8 | Rating: 1.50 When you begin your search for a new home, especially if you are a first time home buyer, choosing the right Realtor may be the most important decision you make.
122	How to Hide Assets Written by: Rocco Beatrice | Distributed: 2007-01-19 | - Word Count: 507 | Viewed: 2476 | Votes: 6 | Rating: 1.00 How to hide your assets by repositioning your assets through an irrevocable trust with an independent trustee.
123	Hide My Assets From Medicare Written by: Rocco Beatrice | Distributed: 2007-01-18 | - Word Count: 740 | Viewed: 1674 | Votes: 11 | Rating: 2.64 How the new Medicaid spend-down provisions can affect seniors and what are the options to obtain government assistance for the Medicare nursing home program.
124	Reasons to Be Pre-approved Written by: Clint Wooley | Distributed: 2007-01-18 | - Word Count: 322 | Viewed: 1125 | Votes: 12 | Rating: 2.33 Taking the time to apply for a mortgage before beginning your home search and being able to make offers based on a pre-approval can speed the buying process and give you additional negotiating power.
125	Buyer's Market, Seller's Market? A Market in Transition Written by: Clint Wooley | Distributed: 2007-01-16 | - Word Count: 423 | Viewed: 1220 | Votes: 11 | Rating: 2.64 The national home market is in transition at the moment, most markets already showing signs of slowing and increased inventory. Now may be the best time to buy!
126	Finding the Perfect Home - Does it Exist? Written by: Clint Wooley | Distributed: 2007-01-11 | - Word Count: 396 | Viewed: 1114 | Votes: 6 | Rating: 2.50 There is no 'perfect home', but there is the 'best' home to suit your needs...here are some tips to keep in mind during your search for a new home.
127	Understanding the Mortgage Process Written by: Clint Wooley | Distributed: 2007-01-10 | - Word Count: 652 | Viewed: 1234 | Votes: 10 | Rating: 2.50 Understanding what will happen during the process of applying for a mortgage through closing can remove some of the anxiety of an already stressful venture. This is a brief, but useful overview that was created from real-world situations.
128	Making Offers and Negotiating on Homes Written by: Clint Wooley | Distributed: 2007-01-09 | - Word Count: 683 | Viewed: 1397 | Votes: 12 | Rating: 2.92 A realistic approach to making offers and negotiating to get the most home for your money, this article has everyday, practical suggestions about how to make offers and negotiate through your Realtor.
129	Why You Should Buy a Home Now Written by: Clint Wooley | Distributed: 2007-01-09 | - Word Count: 588 | Viewed: 1334 | Votes: 9 | Rating: 3.22 These days there is literally too much information for first time homebuyers to make a decision sometimes. Fear can prevent first time home buyers from ever acting on their dream of home ownership. When you look at facts, though, buying a home makes as much sense now as it ever has.
130	Closing on Your Home Written by: Clint Wooley | Distributed: 2007-01-08 | - Word Count: 430 | Viewed: 1332 | Votes: 10 | Rating: 3.50 The closing process of purchasing a home can be one of the most confusing parts. This article is an attempt to help first time home buyers understand the basics of the process to settle fears and anxieties about the process.
131	How To Beat Your Banker At Their Own Game Using Loopholes In Their Own Rules Written by: Jeff Spellman | Distributed: 2006-12-26 | - Word Count: 854 | Viewed: 1371 | Votes: 7 | Rating: 2.43 Imagine what it would be like if you could pay off your mortgage sooner than anticipated. Sure, we all think about it, we tell ourselves that next year we will start paying more than is required each month, or that once we pay off the car loan, we can put more money to that mortgage. Unfortunately, many homeowners never seem to have that extra money to put towards their mortgage payments.
132	How Foreclosures Work and Steps You Can Take To Avoid Foreclosure Written by: Jeff Spellman | Distributed: 2006-12-21 | - Word Count: 1232 | Viewed: 2048 | Votes: 8 | Rating: 2.50 A lender provides you with a mortgage and the home is considered to be collateral until you pay off the mortgage in full and with interest. If you stop making payments on your mortgage, the lender has the legal right to foreclose and take possession of your home in order to recoup the money that they originally loaned you.
133	Don't Hate The Rich - Be One Of Them! Written by: Willie Crawford | Distributed: 2006-11-14 | - Word Count: 1439 | Viewed: 1165 | Votes: 10 | Rating: 1.90 When I was a child, growing up on the farm in North Carolina ( extremely poor), my grandmother's favorite saying seemed to be "Money doesn't grow on trees!"
134	30 Seconds to Creating an Awesome Checkbook Balance Written by: Darlene Arechederra | Distributed: 2006-11-02 | - Word Count: 506 | Viewed: 1441 | Votes: 3 | Rating: 3.33 Have you ever watched a squirrel balancing up on the highwires? He actually makes the balancing act look easy, doesn't he? I always wonder what will happen to the squirrel should he lose his balance. You see, the highwires are not part of his natural habitat. They are manmade, and he has no safety cushion built in to protect him.
135	Affordable Health Insurance Options in Ohio - An Interview With Ohio Department of Insurance Director Ann Womer Benjamin Written by: Erin Shaughnessy | Distributed: 2006-10-31 | - Word Count: 730 | Viewed: 1181 | Votes: 9 | Rating: 3.33 What options are available for Ohioans who do not have access to employee or government health insurance plans? Ohio Department of Insurance Director, Ann Womer Benjamin, discusses Health Savings Accounts, Open Enrollment, the Massachusetts model, and pending health coverage legislation in Ohio.
136	Advertising Cheaply And Effectively Written by: Cathy Qazalbash | Distributed: 2006-10-27 | - Word Count: 372 | Viewed: 1254 | Votes: 6 | Rating: 3.00 Advertising is the lifeblood of your business. To be effective you will need to advertise on a regular basis. One advertisement rarely brings instant results. Your potential customer needs to see your ads several times before purchasing.
137	The True Cost Of Smoking, Literally Written by: Dave Sabat | Distributed: 2006-10-26 | - Word Count: 557 | Viewed: 1299 | Votes: 9 | Rating: 1.33 What would you and your partner do with £407,887.50? Spend it on cigarettes perhaps? Well, if you and your partner both smoke 60 cigarettes a day between you, and you both smoke for another 50 years, this is exactly how much it will cost you.
138	Why Forex Trading Is So Popular Written by: Richard Goldberg | Distributed: 2006-10-12 | - Word Count: 503 | Viewed: 1276 | Votes: 7 | Rating: 2.86 The Forex market is often more appealing to people that like to live on the edge. There is more uncertainty by far and the rewards of knowing when to buy and sell can be immense. For those of you who don't know, the Forex stands for, Foreign Exchange Market.
139	What Does Short, Long, Flat And Square Mean In Forex Trading? Written by: Sam Beatson | Distributed: 2006-10-11 | - Word Count: 525 | Viewed: 1951 | Votes: 15 | Rating: 2.87 Short, long, square and flat explained in terms of forex trading (Spot FX).
140	Developing a 401k Strategy In The Modern Employment Market Written by: Jason Alba | Distributed: 2006-10-04 | - Word Count: 870 | Viewed: 1360 | Votes: 8 | Rating: 2.50 What is the biggest pain that comes with every job search? I'm not talking about the job search itself, I'm talking about some of the typical "housekeeping" that you have to do. Is it file for unemployment? Is it refigure your budget? Is it developing a new schedule? For me, one of the biggest hassles is figuring out what to do with my 401k account.
141	Your Home: A Powerful Tax Advantage Written by: Mark Felder | Distributed: 2006-09-29 | - Word Count: 319 | Viewed: 1144 | Votes: 7 | Rating: 2.29 Afraid of the big commitment? Home ownership is always an excellent investment offering discounts every year and guaranteed retirement savings. It can be one of the best investments anyone can make.
142	How To Pay For The Finer Things In Life Written by: Emerson Lockwood | Distributed: 2006-09-28 | - Word Count: 605 | Viewed: 1219 | Votes: 8 | Rating: 0.63 Everyone likes to enjoy luxury, but often the average consumer does not consider himself financially able to do so. The truth is, that with a good budget and smart financial planning, many people can afford to treat themselves to fineries they may not have considered a possibility.
143	How to Find Financial Freedom Written by: Kent Jacobson a.k.a. Mr. Success | Distributed: 2006-09-26 | - Word Count: 457 | Viewed: 1450 | Votes: 12 | Rating: 3.08 Many people make finding financial freedom harder than what it actually is. In order to find financial freedom all you have to do is follow a few simple steps.
144	Tax Free Retirement Income with the Roth IRA and Roth 401(k) Written by: Daniel Lamaute | Distributed: 2006-09-26 | - Word Count: 435 | Viewed: 1594 | Votes: 9 | Rating: 2.56 Under this year's new tax rules it's possible to have a Roth 401(k) in addition to a Roth IRA for Tax Free Retirement Income.
145	How Secure is Your Future? Written by: Angela Recchia | Distributed: 2006-09-15 | - Word Count: 485 | Viewed: 1288 | Votes: 7 | Rating: 2.86 In today's fast changing world do you know if your J.O.B. is secure? Are you prepared for what the future holds in store for you? Will you have enough in your retirement fund to have you lead the lifestyle you have dreamed of in those "Golden Years?"
146	Retirement: What Should I Save, When? Written by: Robert Wade | Distributed: 2006-09-15 | - Word Count: 529 | Viewed: 1087 | Votes: 9 | Rating: 2.11 Who can save for retirement? It's hard enough just keeping up with today's expenses. But like it or not, a fairy godmother is not going to appear in your later life to take care of you. You need to plan ahead, and the sooner the better.
147	The Dangers of Predatory Lending and Loan Fraud Written by: Robert Wade | Distributed: 2006-09-13 | - Word Count: 443 | Viewed: 1160 | Votes: 8 | Rating: 3.13 Predatory lending in an unregulated practice typically affecting women, minorities and elderly individuals. This practice involves unfair, discriminatory lending practices, often for mortgage or refinance loans, including (but not limited to):
148	Are You Working Too Hard At Saving Money? Written by: Darlene Arechederra | Distributed: 2006-08-29 | - Word Count: 702 | Viewed: 1244 | Votes: 12 | Rating: 3.17 You work hard for your money. And chances are, you work even harder to 'save' some of that money. But what happens when a year later you're not any closer to achieving your savings goal? That's exactly what happened to Heather. See if you can relate to her experience during rush hour on a sweltering, humid evening not too long ago...
149	Profitability: How To Get From Just Enough To Extra Written by: Mark Silver | Distributed: 2006-08-29 | - Word Count: 959 | Viewed: 1140 | Votes: 9 | Rating: 2.44 During the last Heart of Money class someone was asking why scraping by is the norm, and it's so hard to come by having extra money. It came up in the context of paying yourself first. I had told them that you have to pay yourself first, into a savings account or other account, before you paid your bills. "How in the heck can I pay myself first, when it feels like I don't have anything left over after my expenses are paid?"
150	Saving for Retirement: Compound and Grow Your Employer Matching Retirement Plan Written by: James Lange | Distributed: 2006-08-24 | - Word Count: 354 | Viewed: 1481 | Votes: 9 | Rating: 1.78 If your employer offers a matching contribution to your retirement plan, the cardinal rule is: contribute whatever the employer is willing to match-even if it is only a percentage of your contribution and not a dollar for dollar match.
151	Identity Theft: The New Threat to Your Credit Written by: Josh Pike | Distributed: 2006-08-24 | - Word Count: 363 | Viewed: 2378 | Votes: 8 | Rating: 4.00 When we think of thieves, images of burglars creeping into homes and apartments come to mind. However, there are new thieves that can take much more than your money or possessions. If your personal information falls into the hands of an identity thief, your credit and finances can be ruined.
152	Identity Theft: How Can You Protect Yourself? Written by: Robert Wade | Distributed: 2006-08-23 | - Word Count: 474 | Viewed: 868 | Votes: 9 | Rating: 2.44 Yes, it can happen to you - from seemingly minor credit card use just one dispute away, to full-fledged devastation where multiple people use your social security number to acquire jobs - making you responsible for thousands of dollars in taxes. Both Gartner Research and Harris Interactive estimate about seven million people have fallen victim to identity theft, which equals 799 people each hour or 19,178 each day. Not all incidents are easy to resolve, either. The average identity theft victim spends 600 hours conducting tasks to recover from the crime, while some never recover.
153	A Recipe for Good Credit Written by: Josh Pike | Distributed: 2006-08-17 | - Word Count: 369 | Viewed: 1207 | Votes: 7 | Rating: 3.57 If your credit is not as good as you want it to be, take action now! It's easier than you think to improve your credit.
154	Credit Score Essentials Written by: Josh Pike | Distributed: 2006-08-10 | - Word Count: 319 | Viewed: 1109 | Votes: 9 | Rating: 2.89 Most credit scoring systems are calculated from all the different credit data in your credit report. This data is grouped into five categories:
155	DRiP Investing: Helping Beginners Get a Foot in the Door Written by: Robert Wade | Distributed: 2006-08-09 | - Word Count: 387 | Viewed: 1275 | Votes: 7 | Rating: 3.14 Are you one of those nay-sayers who feels its simply impossible to save on the meager salary you bring home each month? Do you picture those with portfolios balanced in stocks and bonds as suits-draped Wall Street gurus glued to their Ameritrade account on a daily basis, trading and balancing risk each morning? Think again.
156	Credit: How to Get It, Build It, and Use It! Written by: Josh Pike | Distributed: 2006-08-04 | - Word Count: 359 | Viewed: 1079 | Votes: 6 | Rating: 2.83 When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history.
157	9 Questions To Answer Before You Prepay Your Home Mortgage Written by: Frank Oakerson | Distributed: 2006-08-02 | - Word Count: 1257 | Viewed: 2142 | Votes: 12 | Rating: 2.25 We are all different. At different times in our lives we have different goals and needs. You can ask different experts in financial planning, Texas mortgage brokers, and your banker "should I prepay on my home mortgage?" and you will get answers from "that is the greatest idea" to "that will be the worst financial mistake you will ever make". So what is a person to do? Let us look at 9 things you need to consider and have answered before you "prepay your home mortgage".
158	What is a 1031 Property Exchange? Written by: Mark Felder | Distributed: 2006-07-28 | - Word Count: 302 | Viewed: 1046 | Votes: 11 | Rating: 2.36 Anyone selling, buying or constructing real estate should look into the benefits of the 1031 Property Exchange. This offers both federal and state tax advantages to investment or business property exchanges for other like-kind property. What's a like-kind property?
159	Yes! You Really Can Save Money Written by: Josh Pike | Distributed: 2006-07-27 | - Word Count: 367 | Viewed: 1071 | Votes: 9 | Rating: 2.33 Sometimes, saving money may seem impossible. You buy groceries on Monday, pay bills on Tuesday, and by Wednesday your paycheck has disappeared. However, if you establish a savings plan, you'll "find" money in places you've never thought to look!
160	Setting SMART Financial Goals Written by: Josh Pike | Distributed: 2006-07-26 | - Word Count: 503 | Viewed: 1230 | Votes: 8 | Rating: 1.63 Managing your money wisely is the best way to make sure you and your family gain financial security. Money management is also extremely important if you own a business.
161	10 Simple Ways to Create Your First Back-to-School Fund Written by: Darlene Arechederra | Distributed: 2006-07-26 | - Word Count: 589 | Viewed: 2152 | Votes: 6 | Rating: 2.33 If you're looking for a *practical* reason to save, how about building a Back-to-School Fund? It can help you limit or even avoid using a credit card for back-to-school shopping.
162	Real Estate Foreclosure Investing: An Advanced Strategy That Can Make You Money Written by: Joel Teo | Distributed: 2006-07-25 | - Word Count: 545 | Viewed: 1236 | Votes: 10 | Rating: 2.70 Foreclosure investing is probably the hottest niche in the real estate business. Real estate foreclosure investing has gained immense popularity, since real estate costs have escalated to an all time high. As people seek out avenues for purchasing real estate at an affordable rate, foreclosure investing has emerged as a superlative way to obtain distressed properties at low prices.
163	Creative Real Estate Investing: 4 Basic Strategies You Should Know Written by: Joel Teo | Distributed: 2006-07-20 | - Word Count: 779 | Viewed: 1362 | Votes: 10 | Rating: 2.00 Creative Real Estate Investing refers to those methods of purchasing and selling real estate that are considered rather unconventional. The answer to the question whether the techniques are unconventional largely depends on whom you ask.
164	Is Renting Better Than Buying, In This Economy? Written by: Mark Felder | Distributed: 2006-07-19 | - Word Count: 315 | Viewed: 1513 | Votes: 7 | Rating: 2.29 With the real estate market changing dramatically in the past few years and some regional markets more than doubling in property value, is it a good time to buy property? Consider the factors: real estate has increased in value while interest rates have dropped to record lows.
165	Balance Transfer: Can It Get You Our Of Debt? Written by: Robert Wade | Distributed: 2006-07-19 | - Word Count: 360 | Viewed: 976 | Votes: 11 | Rating: 2.18 The offers are tempting: 0% for six months or 4.99% for 12 months on balance transfers. Sure, you can cut your rate and pay your balance down faster. But, like everything else in life, do your homework.
166	Gas Spikes Lead To Alternate Fuel Popularity Written by: Clinton Douglas IV | Distributed: 2006-07-13 | - Word Count: 313 | Viewed: 1291 | Votes: 11 | Rating: 2.73 Tired of paying from your bottomless wallet for gas prices that can double in no time? Commuting has grown beyond expensive for the average American household, leaving many Americans researching alternative fuel sources. Not only do these alternatives offer new tax breaks, but they can also save a great deal of money at the pump while having a less harsh impact on the environment.
167	Real Estate Investing: Real Estate - The Hidden Investment Written by: Robert Wade | Distributed: 2006-07-07 | - Word Count: 303 | Viewed: 1317 | Votes: 15 | Rating: 3.20 With REITs and 1031 Exchanges, real estate investing can be confusing landscape. But It's also a fun and challenging opportunity. What exactly is it, and why has it made so many millionaires in this latest boom?
168	5 Tips On How To Reduce Your Mobile Phone Costs! Written by: John Bertone | Distributed: 2006-07-06 | - Word Count: 579 | Viewed: 1112 | Votes: 10 | Rating: 2.20 Mobile phones are great. They allow us to communicate and "stay in-touch" in a way that was not possible in the recent past. However, this increased connectivity comes at a cost, and if you are not careful you may end up spending money unnecessarily. Here are five basic tips for reducing your mobile phone costs without sacrificing your communications with your family, friends or business contacts.
169	Credit 101: What's It All About? Written by: Robert Wade | Distributed: 2006-07-06 | - Word Count: 370 | Viewed: 1083 | Votes: 8 | Rating: 2.75 It's important to establish and maintain positive credit, whether you're just starting out or planning for retirement. But most people only have a vague understanding of what that actually entails. Add the onslaught of identity theft to the mix and you have a recipe for disaster. Here are some tips, tricks and techniques you should understand and adhere to:
170	The 10 Biggest Mistakes In Home Mortgage Refinancing Written by: Frank Oakerson | Distributed: 2006-06-23 | - Word Count: 775 | Viewed: 1528 | Votes: 13 | Rating: 2.31 If you have owned a home for some time, then likely you have considered refinancing your home mortgage in order to get a better rate on your loan. This decision can be a wise one, especially if your current rate is high and the new loan rate is lower. Not all refinancing decisions are wise, so here is what you should look for to help you avoid the ten biggest mistakes in home mortgage refinancing:
171	Cohen Research Report Bullish on Pacific Asia China Energy Written by: James Finch | Distributed: 2006-06-21 | - Word Count: 867 | Viewed: 1052 | Votes: 10 | Rating: 2.70 We reviewed a research firm's report on a coalbed methane company. Cohen Independent Research Group issued a Buy recommendation on the shares of Pacific Asia China Energy (TSX: PCE), calling those shares "grossly undervalued." Why is it undervalued?
172	Why You Should Never Operate Any Business as a Sole Proprietor Written by: Germaine A. Hoston, Ph.D. | Distributed: 2006-06-21 | - Word Count: 982 | Viewed: 2006 | Votes: 6 | Rating: 2.50 All too often new freelancers assume that being independent means being a "sole proprietor." There is no question that operating a sole proprietorship is the easiest, simplest way to start a business. But, no matter what the jurisdiction in which you operate, this is not the way you should operate your business -- even just to "get started". Taking any other option, which would involve establishing a legal entity separate from yourself -- such as a corporation or limited liability company -- is infinitely preferable to operating your business as a sole proprietor.
173	Warranty Buying Guide - Understanding Warranties on Hot Tubs and Other Big Ticket Items Written by: Emerson Lockwood | Distributed: 2006-06-16 | - Word Count: 1473 | Viewed: 1291 | Votes: 12 | Rating: 2.42 In this article, we are going to introduce you to all of the in's and out's of hot tub warranties. One thing to keep in mind is that while the article is focused on hot tubs, the warranty information included can apply to any big-ticket item, such as a car, television, clothes washer, clothes dryer, refrigerator, dish washer, air conditioner, central heat and air system, swimming pool, hot tub or spa.
174	Forex in a Nutshell Crash Article Written by: Sam Beatson | Distributed: 2006-06-15 | - Word Count: 770 | Viewed: 1404 | Votes: 14 | Rating: 2.50 The Forex or foreign exchange is also known as FX, and can be traded upon by anyone from home who has an internet connection and some knowledge. Most people have the belief that trading currency is extremely risky and a gamble. However there are many ways to technically analyse the market and identify the pattern of the movement to the point we can instigate "good" trades on a consistent basis.
175	6 Ways To Buy A Home Without A Down Payment Written by: Frank Oakerson | Distributed: 2006-06-14 | - Word Count: 788 | Viewed: 1682 | Votes: 15 | Rating: 2.53 Entering the housing market for the first time can be an elusive dream for so many would be homeowners. Down payments, closing costs, attorney fees, and so much more can thwart even the average buyer. If you have credit problems, little or no savings, or a low income, purchasing a home may be out of the question. On the other hand, there are programs available for buyers to help them purchase their first home.
176	Considering A Loan To Buy A Hot Tub Or Any Other Big Ticket Item? Written by: Emerson Lockwood | Distributed: 2006-06-08 | - Word Count: 1192 | Viewed: 1626 | Votes: 5 | Rating: 3.20 Unless you have been saving up your money for some time, it is likely that you will need to take out a loan in order to purchase a hot tub or any other big ticket item. There are many options available to get financing. The option that you choose to finance your purchase will depend greatly on your personal financial situation and on the best deals that you can find. In this article, we will take a look at the various financing options.
177	Type At Home -- Is It Really 'Easy Money'? Written by: Caiden Felix | Distributed: 2006-06-01 | - Word Count: 647 | Viewed: 2040 | Votes: 14 | Rating: 3.07 If you have stumbled across the Type At Home programe on the web or in a magazine and wondered what it is all about...I am going to give you a sneak preview...this is my own personal opinion formed from my own personal experience!
178	Will Linked Recognition Lead to a Cancer Vaccine? Written by: James Finch | Distributed: 2006-06-01 | - Word Count: 1080 | Viewed: 1161 | Votes: 7 | Rating: 1.86 Dr. Lorne Tyrrell pioneered lamivudine as the standard treatment for hepatitis B virus (HBV). Now a success, he observed the drug's shortcomings. Now CEO of ViRexx Medical, Tyrrell hopes his latest development, Chimigen, will offer new hope for HBV, other infectious diseases, and cancer.
179	Is Homeowners Insurance Enough in the Toughest of Times? Written by: Brandon Miller | Distributed: 2006-05-19 | - Word Count: 381 | Viewed: 1230 | Votes: 10 | Rating: 2.30 Homeowners Insurance is supposed to protect us in case of disasters. That is what we have come to expect from our homeowners insurance over the years. But what if the disaster is the costliest in U.S. History? What if your insurance agent's home and office were destroyed in the disaster also?
180	The Good, the Bad, and the Ugly: Why Your Broker May Not Be Recommending The Most Competitive Annuity Written by: Tom Hamlin | Distributed: 2006-05-12 | - Word Count: 1036 | Viewed: 2447 | Votes: 10 | Rating: 2.90 There are over two thousand life insurance companies offering over fifteen thousand different annuities, and they run the gamut from horrific (I wouldn't offer it to an enemy) to outstanding...
181	Safest Ways to Invest in Uranium Companies Written by: James Finch | Distributed: 2006-04-27 | Because of soaring uranium prices, hundreds of companies have formed to capitalize upon the latest craze. How do you avoid being fooled? Look to ISL uranium companies. About 21 percent of the world's nuclear reactors are now fueled by uranium mined using this method. How do you evaluate the many uranium companies now developing their ISL operations?
182	Real Estate Investment Deals That SkyRocket Your Net Worth Written by: Alain Diza | Distributed: 2005-06-30 | This is called 'Wholesale Real Estate Investing' - the process of buying a lot of equity at a very significant discount from another real estate investor who has already done the hard work of finding a deal and getting it under contract.
183	Online Trading of Stocks - Basic Requirements. Written by: Akien Stokie | Distributed: 2005-03-10 | Though there are many success stories, the fact remains that three out of four traders lose money. To be an effective online stock trader, ensure that you get a real-time quote of the stock price you are keen on buying...
184	Your Retirement Plan Should Be Both Flexible And Allow You To Track Your Established Goals. Written by: Abigail Vanderbeek | Distributed: 2005-02-03 | When developing your plan, one of the first things you need to consider is flexibility in your savings.
185	Baby Expense: What To Do When Baby's On The Way And Money Is Tight… Written by: Adriana Copaceanu | Distributed: 2004-10-01 | As you probably know, baby expense should be high on your list of things to plan for, before the baby comes. There is no cheap way to have and raise a baby: it takes sweat, work, lots of cash, patience, and more to have a happy, healthy baby. Some studies suggest that you will spend anywhere between $150,000 and $200,000 for your kids by the time they are 18 years old, not including private schools, special lessons, or college.
186	Critical Factors for Starting an Online Business Written by: Alan Cheng | Distributed: 2004-09-17 | We all wish to have an extra stream of income to help ourselves and family become financially independent - trying to get out of the 9 till 5 office job. Having an internet business doesn't mean you have to be a programmer or a web designer to do it. So get that thought out of your head first.