801.||Home Equity Line of Credit - Great Idea for Rainy Day Emergencies by Charles Essmeier|
Most Americans tend to live on a paycheck-to-paycheck basis, and the typical household has nearly $10,000 in credit card debt. Adding to that is the fact that Americans are saving money at the lowest rate in history. We spend what we earn, when we earn it, and there’s little or ...
[Added: 07 Jun 2005 Hits: 325 Words: 420]
802.||Fibonacci - Who Was He And How Could He Improve My Stock Trading Profits? by Chris Towland|
The word Fibonacci means a lot of things to a lot of different people. For mathematicians, Fibonacci is an important number sequence. For some painters, sculptors, and other visual artists, Fibonacci is a principle theory of the arts. For traders, businessmen, economists ...
[Added: 06 Jun 2005 Hits: 280 Words: 621]
803.||Eight Ways To Sink Yourself Financially by Richmond Acheampong|
1. Don’t focus on your finances
The reason most people get into debt is because they don’t spend enough time focusing on their finances. You need to get a grasp of where you’re at financially, keep track of your income in relation to expenses and spending habits.
[Added: 06 Jun 2005 Hits: 263 Words: 346]
804.||Ethical Finance: Who Benefits From Our Spending? by Rachel Lane|
On one hand consumers are being universally criticised for running up significant amounts of debt on credit cards, yet conversely many companies are capitalising on the growing credit card debt, from charities and political organisations to football clubs, the Association of Surgeons and somewhat ...
[Added: 04 Jun 2005 Hits: 306 Words: 279]
805.||An Estate Planning Primer by Bill Willard|
An estate is the total value of everything we own--and business and personal assets can add up quickly. Everyone has an estate. And realize it or not, everyone also has an estate plan.
[Added: 04 Jun 2005 Hits: 449 Words: 1065]
806.||An Annuities Primer by Bill Willard|
Annuities are long-term investment tools for supplementing retirement income. There are no IRS-imposed annual contribution limits, and annuity earnings grow tax-deferred until the funds are withdrawn or paid out as income.
Though popular among today’s aging Baby Boomers and members of ...
[Added: 03 Jun 2005 Hits: 509 Words: 1229]
807.||Fair Isaac Corporation Credit Or FICO Score by Roy Thomsitt|
As I am not from the US, I had no idea what FICO meant before researching it. FICO stands for Fair Isaac Corporation, a company based in California. FICO, put simply, is a person's credit score. ...
[Added: 01 Jun 2005 Hits: 264 Words: 733]
808.||Start Taking the Headaches out of Your Finances with this Do-It-Yourself Financial Plan by Neil Willner|
Actions You Take Today Assure Your Comfortable Future
It’s not really news but - You’ll need money the rest of your life. Hopefully you’ll have all you need. To get there you need to think ...
[Added: 01 Jun 2005 Hits: 642 Words: 1041]
809.||Retirement Planning Wars by Lyle Wilkinson|
Through our working lifetime, saving forces battle the ‘live life’ forces. In our family sometimes saving won and sometimes spending won. As retirement approached we had equity in our home, a small nest egg, and no ...
[Added: 01 Jun 2005 Hits: 289 Words: 829]
810.||Gift Shopping Tips For Tight Budget by Karen Couillard|
Have you seen the prices of greeting cards lately? It is hideous! Once you purchase the card and gift-wrap, your overall cost can easily increase by $10 to $15. If you are on a tight budget, this can be difficult as you spend more on the fluff and ...
[Added: 31 May 2005 Hits: 245 Words: 378]
811.||Does the Moon Have Covers? by Kemberly Wardlaw|
Recently, one late winter night, my four-year old son and I counted stars with one another. After a few minutes, he pointed to the bright moon and asked, "Why doesn't the moon have covers?"
"Covers? What do you ...
[Added: 26 May 2005 Hits: 264 Words: 451]
812.||Good Credit Is a Necessity for Daily Living by Jeanette Joy Fisher|
Most of us want a good credit report to obtain vehicle financing, credit cards for emergencies and luxuries, and to finance a home mortgage. However, beyond these consumer loans, a great credit report makes your life easier.
Having a credit card means that you can order ...
[Added: 26 May 2005 Hits: 283 Words: 379]
813.||Home Equity - Is it Time to Cash Out and Move? by Charles Essmeier|
During the last five years, home prices have increased nationwide. In some parts of the country, notably California, home prices have doubled or even tripled. The median price of a home in the Los Angeles area is now nearly $450,000 and ...
[Added: 25 May 2005 Hits: 285 Words: 472]
814.||Save Money with Cheap Long Distance Plans by Jayden McKenzie|
There are many different cheap long distance plans to choose from, in fact it can be a little overwhelming with all the choices you have for cheap long distance and unlimited long distance plans. Most cheap long distance plans offer an unlimited long ...
[Added: 17 May 2005 Hits: 295 Words: 424]
815.||Marketing your Fundraiser for Success by Brooklynn Anderson|
One of the biggest mistakes most groups and organizations make is to not properly market and publicize your fundraiser. Don’t make the mistake of thinking they will just find you because you and your group will be in the right place at ...
[Added: 16 May 2005 Hits: 258 Words: 500]
816.||Choosing A New Floor by Garry John|
Is it time to give that tired kitchen floor a face lift? Are you looking for just the right finishing touch for your new living room? The floor you choose can brighten a dark room, make a small ...
[Added: 13 May 2005 Hits: 260 Words: 527]
817.||How To Tap In To Your Home Equity by Frank Kelly|
With today's relatively low interest rates and climbing
property values, many consumers are considering taping into
their home equity to finance everything from home
improvement projects to debt consolidation.
Secured home loans, also called home equity loans, are
loans backed by the borrower's ...
[Added: 12 May 2005 Hits: 277 Words: 341]
818.||Applying for financial products online by Neil Brown|
In the olden days, about 10 years ago, before the internet, consumers would have to fill in applications for credit cards, loans, mortgages and so on by hand. It’s hard to believe now, but this lengthy process was the ...
[Added: 11 May 2005 Hits: 294 Words: 466]
819.||Structured Settlements Offer Advantages over Lump-Sum Payments by Charles Essmeier|
A structured settlement, which offers injury victims cash payments through a long-term annuity as compensation for their damages and medical expenses, offer a number of possible advantages over payment in a lump sum. While the lump sum payment is the traditional way for responsible parties to pay accident ...
[Added: 30 Apr 2005 Hits: 270 Words: 405]
820.||Balance Transfers and Purchase Offers by Neil Brown|
These days, credit cards in the UK are competing with each other on two very attractive offers with a headline rate of 0%. These 0% credit cards will be either balance transfers; introductory purchases offers ...
[Added: 20 Apr 2005 Hits: 321 Words: 530]
821.||Benefits Tailored to the Changing Needs of Canadians by Anna Dorbyk|
Increasingly, traditional benefits packages are disappearing from the Canadian business landscape. As the face of the Canadian workforce continually changes, companies are finding it necessary to address these shifts. The reality for many employers is that it ...
[Added: 13 Apr 2005 Hits: 297 Words: 344]
822.||5 Tips On How To Save Money At The Gas Pump by Robert Smith|
1. Keep an eye on your gas consumption
The more aware you are of the amount of fuel that you use the more you can do to try to reduce your gas costs.
If you notice that your gas efficiency is decreasing ...
[Added: 12 Apr 2005 Hits: 386 Words: 716]
823.||Emergency Savings Accounts by John Cook|
Unexpected expenses sneak up on the best of us. Paying these unexpected expenses looks impossible when you are in debt and barely making the payments from month to month. If you're like most, you have to reach for the ...
[Added: 07 Apr 2005 Hits: 265 Words: 668]
824.||The Debt Free Lifestyle by John Cook|
Many people have been taught that you cannot get ahead without debt. We are also inundated with advertising telling us we can have anything we want. All we need to do is put it on our credit card.
We have become an impatient society, we want it right now. ...
[Added: 04 Apr 2005 Hits: 278 Words: 624]
825.||Save Big By Being Patient by Jeffrey Strain|
Publishing Guidelines: This article may be freely distributed so long as the copyright, author's information and an active link (where possible) are included - there is no need to include these guidelines. A complimentary copy of any newsletter or a link ...
[Added: 01 Apr 2005 Hits: 404 Words: 603]
826.||Billionaire Playboy by Elvis Preston King|
Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. I also ask that you activate any html links found in the article and in the byline. You may make minor editorial corrections only. A copy would be ...
[Added: 14 Mar 2005 Hits: 864 Words: 422]
827.||Dividend Paying Stocks by Charles M. O'Melia|
You have permission to this article either electronically or
in print as long as the author bylines are included, with a
live link, and the article is not changed in any way (typos
excluded). Please provide a courtesy mailto:
firstname.lastname@example.org telling where the ...
[Added: 12 Mar 2005 Hits: 335 Words: 799]
828.||Buy: Hold: Sell: Jump by Charles M. O'Melia|
You have permission to this article either electronically or in print as long as the author bylines are included, with a live
link and the article is not changed in any way. Please provide a courtesy e-mail to email@example.com telling where the article was published. ...
[Added: 10 Mar 2005 Hits: 284 Words: 911]
829.||Refinance your way out of debt by Danny Doane|
Sometimes it makes good financial sense to use the equity in your home to consolidate debt. Depending on your financial goals, it may be just the thing to do if you want to:
Refinance to Pay Off Credit Cards And ...
[Added: 07 Mar 2005 Hits: 279 Words: 249]
830.||It Must Be Joe Cocker's Market by Kemberly Wardlaw|
Agonizing displays of poor theatrics failed to entertain my mind one recent Saturday evening. I scrolled across several television channels hoping for an engaging program. Finally, one particular concert intrigued my senses. There on the stage performed one ...
[Added: 04 Mar 2005 Hits: 277 Words: 377]
831.||6 Things to Consider Before Refinancing by Rob Sallay|
Perhaps you're a homeowner in need of some quick cash.
Maybe you want to consolidate your debts so you have better control of your money.
Perhaps a lender is urging you to refinance because interest ...
[Added: 02 Mar 2005 Hits: 283 Words: 817]
832.||The 7 Secrets to Getting—and Staying—Out of Debt by Rob Sallay|
As vice president of the American Credit Foundation, a nonprofit organization that helps individuals and families manage their debt, Mike Peterson knows firsthand how financial problems can wreak havoc in one's life. Each day, counselors at the Midvale, Utah-based foundation help desperate ...
[Added: 02 Mar 2005 Hits: 287 Words: 863]
833.||A Fresh Start for Family Finances in 2005 by Rob Sallay|
While 40% to 50% of us make New Year's resolutions on January 1—a ritual that has existed since ancient times—approximately 60% to 80% of us have already broken them by the end of February, according to researchers.
It's still not too late, however, to ...
[Added: 02 Mar 2005 Hits: 430 Words: 779]
834.||Straddle Strategies in Option Trading by Steven T. Ng|
The straddle strategy is an option strategy that's based on buying both a call and put of a stock. Note that there are various forms of straddles, but we will only be covering the basic ...
[Added: 28 Feb 2005 Hits: 307 Words: 853]
835.||How To Get A Visa or MasterCard With No Credit Check by ReliefLoans.com|
How To Get A Visa/MasterCard With No Credit Check
SHAPING YOUR APPLICATION TO FIT THE RIGHT PEOPLE
Creditors approve credit to those people who most closely match the
right profile. They arrive at ...
[Added: 28 Feb 2005 Hits: 341 Words: 2107]
836.||Fair Debt Collection by ReliefLoans.com|
Fair Debt Collection
If you use credit cards, owe money on a personal loan, or are
paying on a home mortgage, you are a "debtor." If you fall behind
in repaying your creditors, or an error is made on your accounts,
[Added: 28 Feb 2005 Hits: 303 Words: 1238]
837.||The 5 Secrets to Getting Out of Debt Fast by Rob Sallay|
As they stare down at a teetering pile of bills, so many consumers wonder how they racked up such a large debt. The answer boils down to simple mathematics.
“On a basic, fundamental level, the problem is created by spending more than ...
[Added: 22 Feb 2005 Hits: 344 Words: 689]
838.||Unsecured Business Finance by Steve|
It helps to be a well-established businessperson if you are looking for unsecured business finance. If you are well-established, with a record of success to back you, many financial institutions would be willing to offer unsecured business finance ...
[Added: 12 Feb 2005 Hits: 291 Words: 443]
839.||College Savings Plans - are they the best choice for my child? by Vanessa McHooley|
College Savings Plans, also called Section 529 plans, are one of the best ways to save for college because they offer:
- Tax advantages
- A variety of investment options
- Flexible contribution options
- Parental control
- Little impact on eligibility for need-based financial aid
Investments in ...
[Added: 03 Feb 2005 Hits: 340 Words: 790]
840.||Financial Aid - when should I apply for? by Vanessa McHooley|
Financial Aid - when should I apply for?
Many different types of financial aid are available to you in the form of scholarships, grants, and loans. With billions of dollars at stake, it is important to begin the search process early and ...
[Added: 18 Jan 2005 Hits: 311 Words: 489]
841.||An Overview Of Balance Transfers by Neil Brown|
What is a balance transfer ?
A balance transfer can be explained simply as a balance transfer! When a balance is transferred usually from a credit card, but possible from a bank account or ...
[Added: 14 Jan 2005 Hits: 367 Words: 768]
842.||How to Shrink Your Phone Bill by Brad Dudley|
Most people don't think it makes a difference which long distance provider they choose anymore. But, fact of the matter is, if you are still using one of the big three, you could save up to 60% ...
[Added: 18 Dec 2004 Hits: 262 Words: 412]
843.||Balance Transfers Can Help You Stop Putting Money Down The by Claire Bowes|
As you probably know, interest rates are at all time low right now and if you aren't getting the best deal from your credit card company then they owe it to you to either lower your rate, or you owe ...
[Added: 13 Dec 2004 Hits: 260 Words: 821]
844.||UK Debt When Moving Abroad by Nicola Bullimore|
The idea of moving abroad to escape debt seems to be more of a common practice these days. People who have failed businesses or are swamped in debt believe that moving abroad will give them a fresh start and allow them to ...
[Added: 19 Nov 2004 Hits: 323 Words: 712]
845.||Justify Social Security ... Don't Save for Retirement by Kemberly Wardlaw|
It is a common question when investors review their retirement plan—should we include social security benefits into our retirement income projections?
It seems the closer an investor is to retirement, the more likely he/she will include social security benefits into the analysis. Younger investors, however, ...
[Added: 18 Nov 2004 Hits: 281 Words: 428]
846.||The Effects of Consumer Debt by Nicola Bullimore|
The Effects of Consumer Debt
Consumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what ...
[Added: 06 Nov 2004 Hits: 629 Words: 574]
847.||Total Cost Of Credit vs Monthly Payments by David Wilding|
I read a press release the other day which points to the fact we need
to be very careful with our finances. The subject of the release was
home mortgages. A company was announcing the availability of
40 year mortgages for its customers. The stated purpose ...
[Added: 11 Oct 2004 Hits: 287 Words: 463]
848.||What Will You Take For A Dollar? by David Wilding|
The other day I sat in a meeting listening to a
young man extol the virtues of owning real estate.
Much of what he said was true. However two things
made me sit up and take notice. I couldn't help but
[Added: 11 Oct 2004 Hits: 280 Words: 434]
849.||Stupid Ideas Can Ruin Your Financial Life by David Wilding|
Stupid ideas come in all sorts of packages. Bad
debt, various loans, purchase decisions, and delayed
savings. Most people reach the age of 65 with little
or no savings. They live off social security and
what little else they ...
[Added: 11 Oct 2004 Hits: 373 Words: 643]
850.||401(k) Plans by Charles M. O'Melia|
You have permission to this article either electronically or in print as long as the author bylines are included, with a live link, and the article is not changed in any way. Please provide a courtesy e-mail to firstname.lastname@example.org telling where the article was ...
[Added: 02 Oct 2004 Hits: 289 Words: 963]