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Articles in Home | Finance Bankruptcy Commodities Credit Credit Cards Debt Consolidation Home Equity Loans Investments-trading Leases Loans Mortgages Mutual Funds Personal Finance Real Estate Retirement Planning Student Loan-student Credit Card Tax Management Wealth Building Title|Newest|Oldest Europe’s Property Prices To Drop In 2006  By : Tribune Holiday home prices in some areas of Europe could drop by ten per cent or more in 2006, predict European real estate specialists Tribune Properties. Could this be the time to get a bargain, or would your money be better off in a bank than property? A Beginner's Guide to Three Real Estate Investing Strategies  By : Jeanette Joy Fisher If you're thinking about investing in real estate to make money, you need to first determine your financial goals. Do you need to make money quickly, invest for your children’s college fund, or build wealth for your retirement? What's the difference between income and investment property? Once you determine your financial goals, you need to decide which type of investing strategy works for you--fast cash, income, or investment. Knowing The Facts About A Quick Cash Advance  By : Mark Woodcock If some unexpected expense has come up, and it is still days away from payday, it is possible to take out a type of short-term loan known as a cash advance. A cash advance, or a payday loan, can help you if you are in a bind by using your upcoming paycheck as a guarantee for repayment. A cash advance is a quick way to get the money you need. However, it is important to know exactly what this type of loan is, what the terms are, and what the risks are before you decided to tak... E Gold Investments: Investing Smartly With E-Currency Exchange  By : Charles Cruz Investors are now starting to move their investments to the most recent investment trend: Making money with E-gold. When you make an investment in E gold is a all about a profitable system that allows you to capitalize from the money that is moved through online transactions everyday. The process that is going on when you are trading e-Gold (or e-currencies) is providing the support for online cash. But let me back up the cassette. What am I trying to say by "support for o... Few Facts on Samuel Blankson Books  By : Ispas Marin Samuel Blankson has been born and raised in Ghana, an underdeveloped country in West Africa. He proved himself to be an extremely good entrepreneur. He showed the first signs of being special at a very early age when he started reading, actually devouring the books. He was extremely interested in acquiring new knowledge that he could find only in books. 5 Ways Poor Credit Scores Costs You Extra Money  By : Most of us want a good credit report to obtain automobile financing, credit cards, and to purchase a home. But, beyond these consumer loans, your credit report can cost you in everyday living expenses. What you don't know about your credit could be costing you money. Having a credit card means that you can order tickets, rent a car, and reserve hotel rooms. Besides these conveniences, your credit report can mean that you must pay higher deposits and fees for everyday servi... Is Online Banking Safe?  By : Bart Samuri Online banking has many positive sides to it, but one of the biggest concerns of internet banking is if it’s safe. The fact is, that online banks take security very seriously. UK Consumers Regaining Control Of Runaway Levels Of Personal Debt  By : Mr Hanna The UK in recent years has seen a massive growth in the levels of personal debt and thanks to increases in secured loans corresponding to a strengthening of the housing market; it does not appear to be slowing down. Recent figures from Creditaction show that since the end of 1993, when debt levels were around the £400bn level, they have now risen to an astounding £1148bn, and it is growing at a rate of 10.2% per annum, or £100bn over the last year alone. Mortgage loans cu... Surety Bonds Are Not Property  By : Michael Weisbrot People often mistake surety bonds for insurance. While there are many similarities there are probably even more differences between the two. Need Some Help? Think About Getting a Grant.  By : Hanu Nirukurti Do you want to go to college? Help the community? Start a business? Do you wish there were a way to improve the quality of life of your community? Have you ever said, “I really wish this could happen, and I know I can make it work, but I just don’t have the money”? Money is Emotional  By : Drew Miles Pathfinder operates on 10 principles originating from books “Money Mastery” by Alan Williams and Peter Jeppson and “The Richest man of Babylon” by George Clason as well as information I’ve learned over the years. Do you have good posture?  By : Drew Miles When I started saving, I wasn’t saving much. Powering Down Debt  By : barry shapiro Along with the lowest savings rate in the industrial world, the United States had the highest consumption rate. Financial Terminology: Jargon Buster S - Z  By : Richard Evans S 1. Self-certification Should your income be difficult for a lender to assess through normal methods, you may need a self-certification mortgage. If you receive high bonuses, or work seasonally or on commission, or are self-employed this may be your only option. You will declare your income, usually backed up by a certificate from your accountant if you have one. Lenders want to see as much guaranteed income as possible. To compensate the lender for the increased risk on... Financial Terminology: Jargon Buster M-R  By : Richard Evans M 1. Mortgage A mortgage is a loan taken out in order to buy a home. The property that you buy is the security against which your repayments are held, so if you don't repay the loan, the home is repossessed. 2. Mortgage term The period of time over which the mortgage loan is to be repaid. N 1. Negative equity You go into negative equity when the value of your home is less than the amount that you owe on your mortgage. Can happen very easily if you take out ... Financial Terminology: Jargon Buster F-L  By : Richard Evans F 1. Fraudulent application An application where false information has been used to illegally obtain a loan. 2. Flexible repayment Allows you to vary monthly payments to fit temporary changes in your circumstances. You can pay off some of the loan amount in months where you have excess cash (for example, as a result of a bonus or extra commission), or you can reduce payments, or even withdraw cash, when you need extra funds. Not common on dedicated car loans. 3. Fr... Financial Terminology: Jargon Buster A - E  By : Richard Evans A 1. Account holder The person who has a personal loan account. 2. Advance The mortgage loan itself is called the advance. 3. APR (Annual Percentage Rate) An interest rate designed to show you the total annual cost of getting credit. It should include all the interest and charges payable by you as a condition of taking the loan. Where taking Payment Protection Insurance is a condition of taking the loan, this should also be included in the APR. The typical APR is ... It’s no Secret—We’re getting older and broker  By : Drew Miles By 2015, 77 million Americans will be over 50 years old and only approximately one-third of them will be able to retire. The Danger of Inflexible Enterprises  By : A value investor discusses the risk involved in buying stock in an inflexible enterprise. He uses several examples of large corporations and the problems they have encountered in recent years to illustrate his point. The Lincoln Cent – Part I – The Beginning  By : Keith Scott This 4-part series will cover the history of the Lincoln Cent and Upcoming Changes The Lincoln Cent – Part 2 – Controversy  By : Keith Scott This 4-part series will cover the history of the Lincoln Cent and Upcoming Changes The Lincoln Cent – Part 3 – The Many Changes  By : Keith Scott This 4-part series will cover the history of the Lincoln Cent and Upcoming Changes The Lincoln Cent – Part IV – Upcoming Changes  By : Keith Scott Part 4 of a series covering the history of the Lincoln Cent On Banks  By : A discussion of competitive advantages in the banking industry. This article was inspired by a Morningstar articles asking "Do All Banks Have Moats". Several different reasons are discussed explaining why these "moats" exist. Identifying Profit Centers.  By : J Dubo The books you keep as part of the administration of any business will undoubtedly include a profit & loss calculation, (or P&L). This, of course, is of central importance as it tells you if you're making money or going nowhere fast!Profit, Books, Money, Bills Exchange Traded Funds: Why You Should Never Buy a Mutual Fund Again  By : John M. McClure Exchange Traded Funds are a relatively new and exciting investment vehicle, offering investors flexibility, lower costs and more efficient investment options. Preventing Fundraiser Burnout  By : Michelle Pearson Guidelines for keeping your fundraiser offerings fresh, your customers interested, and your salespeople enthusiastic. Annuity Lead Generation  By : Brian Maroevich Five tips on how to generate more annuity leads in your annuity marketing campaigns. Vending Machines - A Benefit For All!  By : Stefan Rockhaus The big machine that dispenses merchandise when you deposit money is what is called a vending machine. When you deposit your money, it is checked by a currency detector, and then the machine allows you to get your desired item. You find them everywhere; in shops, malls, offices and in any other busy locations. Discover The Many Facets of Finances  By : Tom Takihi The finance of a business is its lifeblood without which there is no point in putting up or maintaining one. At the end of the day, money is what matters in any kind of business and that is an established fact. Most of us know how elaborate money matters are. Mergers and acquisitions  By : verena Mergers and acquisitions are very present in the modern organisation of economies. This article deals with the fundamentals of such a phenomenon, highlighting the consequences of such a trend and providing the basics for understanding the workings of mergers and acquisitions. Analysis of Modern Portfolio Theory  By : verena The core concept of the Portfolio Theory is based on asset diversification and directly relies on the conventional wisdom which advice to avoid putting all eggs in one basket Merger of the Royal Bank of Scotland (RBS) and National Westminster Bank  By : verena The merger of The Royal Bank of Scotland (RBS) and National Westminster Bank (Nat West) as well as other major British banks including Barclays and Woolwich Building Society has created major economical and social interest boasting scholarly debate. E-banking (Online Banking) and its role in today’s society  By : verena This article is aimed at providing an insight into the role played by E-Banking in the daily banking affairs of individuals and will highlight the adoption and concerns among its customers. How effective can Financial Performance Analysis be?  By : verena With heightened competition, market concentration and regulation, British Telecom (BT) has employed a number of tactics to maintain profitability, market share and overall financial performance. Five areas to reduce the money you spend and how you can achieve this goal effectively.  By : David Brown Learn top tips and secrets which will assist you to reduce your spending. 10 Questions Angel Investors Will Ask You  By : David Rapp If you are looking to raise business capital from angel investors, you better know what will be asked of you. The ten most important questions will be asked right off the bat. The way you answer these questioins could make or break the deal. What’s Going On In The “GO Zone”  By : Chris Anderson Hurricanes Katrina, Rita, and Wilma have had a major impact on real estate investors..... much of it good! This article introduces the Go Zone and some of the massive opportunities the exist because of special tax legislation. 3 Powerful Tips for Becoming a Financial Master Mind  By : Tony Mase In his classic masterpiece, "The Science of Getting Rich", Wallace D. Wattles wrote: "... to think riches when in the midst of appearances of poverty, requires power; but he who acquires this power becomes a MASTER MIND. He can conquer fate; he can have what he wants." In this article, I'll share with you three powerful tips for becoming a financial "master mind" that'll help you conquer fate and have what you want. Setting and Achieving Your Financial Goals  By : Marj Salada Financial goals are something you are going to want to put in writing and at some point in time and if you have a partner, they should do the same. If you have a partner you are going to want to discuss your goals together to see how compatible these goals and desires are. If they are completely different, you will need to find a common ground that is going to work for both of you. When is a 1031 Exchange the Wrong Answer?  By : Keith John Gill The grass is always greener, isn’t it? Maybe you see something better on the other side, or maybe you have problems with one of your current properties. But before diving into a 1031 exchange, consider why you want to exchange, and whether or not it will solve your problems. Do You Take Responsibility for Your Finances?  By : Marj Salada Part of eliminating your debts is taking responsibility for your finances. It is your name that is on your accounts and the bottom line is, it is you that the lender will call if your credit cared payment is not made on time. So just how much attention do you pay to that credit card statement when it comes in the mail each month? Legitimate investment or Ponzi scheme: some clues to help you decide  By : Timothy Rohrer Ponzi schemes are a type of illegal pyramid scheme named for Charles Ponzi, an Italian immigrant who used technique in New England in the 1920's. Although it was he who is most well known for using this scheme, the concept has been around for a long time. UK Resident Doctors and Dentists - Are You Planning Your Financial Future Or Being Sold Policies?  By : Ray Prince There are really only two types of services you can choose from when getting help with planning your finances, although some financial advisers do not offer both. The key question you should ask yourself is which one is best: Financial Advice or Financial Planning? Commercial Business Loan  By : Darren Dunner A Commercial business is the best option to finance all our business needs. With the help of a commercial business loan you can purchase a new business, refinance a business, expand your current business or use it for any other business activity. Now a day’s commercial business loan can also be obtained by individuals to start on a new business or for business establishment. Sports Arbitrage: Is it really “risk-free”?  By : Timothy Rohrer In the financial world, an arbitrage represents the purchase of securities on one market for immediate resale on another market in order to profit from a price discrepancy. An Analysis of Nintendo (NTDOY)  By : A value investor analyzes Nintendo (NTDOY) from both a qualitative and quantitative perspective to determine if the current stock price is attractive. September 14 is the World-wide "Improving the Success Rate Day" in Trading  By : Brian McAboy On September 14th, 2006, trading veterans, brokers and tens of thousands of traders are coming together for the Improving the Success Rate Day to alter the success rate in the trading. When thousands of traders break past the hidden obstacle that has been holding traders back for decades, a shift will occur in the overall industry success rate. Where To Find Small Business Grants For Your Start-Up  By : Susan Chiang Grants are given every year for a variety of reasons, from small business start-ups, continuing education, preserving historic monuments, to art. Business grants are usually given to applicants that have a solid business plan, and the more detailed the reports are, the better chance of getting the grant. Ford has a better idea  By : Richard Stoyeck Ford motor announces restructuring-Not Enough Mortgage Broker Or Direct Lender?  By : Paul Jerome Which is preferable – the mortgage broker or the direct lender? Hewlett Packard-What was she thinking?  By : Richard Stoyeck Hewlett Packard-Turns out CEO wasn't thinking either. Purpose of NTL  By : ron NTL clarifies the method of Gulf of Mexico OCS Region (GOMR) regarding the implementation of requirements for general lease surety bonds that are present in 30 CFR 256, Subpart I. However, these securities are obligatory to make sure that you act in accordance with regulatory and lease requirements for including rents, royalties, environmental damage and clean-up activities fully that are not linked to oil spills, abandonment and site-clearance, and other lease obligations. You can now buy a Millionaires home on a budget!  By : Nicholas Marr Owning a millionaire property or a luxury yacht can now be made possible with a brand new concept called fractional ownership. Nothing to do with timeshare the benefits can dramatically extend your spending power NHS Pension Benefits - Should You Increase Them?  By : Ray Prince One of the recurring themes we deal with as financial planners is the subject of buying more NHS Pension benefits. Should you invest in added years, AVCs, ISAs? This is now worth a revisit as the situation is probably changing again! For the punch drunk amongst you, we will try to keep this as painless as possible. Stock Investing--25 Pearls of Wisdom for the Individual Investor  By : David Van Knapp This article is for individual investors. It contains 25 "rules" for smart investing under the ''Sensible Stock Investing'' approach. European Banking Industry: How Different Are European Banks From U.S. Banks?  By : Serdar Pala In recent years, it seems as though the European banking industry has gone through a collective boom. However, it is still unclear as to whether or not this boom will have positive or negative affects on the actual people of Europe and their banking. Retail Banking in Turkey Development & History  By : Serdar Pala Retail banking in Turkey has not always been a successful endeavor. In fact, much of the retail banking development has occurred in just the past few years. Switching Banks: Is Your Bank Giving You The Best Deal?  By : Peter K If you believe that your bank is costing a more money than it really needs to be, then perhaps it is time to change the habit of a lifetime and switch banks. Although many people remain loyal to their banks for life, there is no need to do this. Valuing Stocks Using Valuation Ratios  By : David Van Knapp This article demonstrates how the individual investor, in minimal time, can place a ''valuation'' on a potential stock purchase to see whether he or she is paying too much, a fair amount, or getting a bargain. Stock research and the price of leadership-corporate, public, private  By : Richard Stoyeck There's always a cost to GREED Finding The Bank That Is Right For You  By : Peter K Perhaps the most important aspect when looking for a bank is how high their fees and rates are. Many banks are similar in terms of products offered and service levels, and most of the major chains will have a branch near you How Important Are Dividends?  By : David Van Knapp This article discusses the pros and cons of dividend-paying companies and non-dividend-paying companies, from an individual investor's point of view. The Human Index  By : A short article discussing the arbitrary and "human" nature of the Dow Jones Industrial Average. Looks at the last Dow reshuffle (2004) and the six companies involved: Verizon (VZ), AIG (AIG), Pfizer (PFE), Eastman Kodak (EK), International Paper (IP), and AT&T (T). Do You Know The Difference Between A Hard Inquiry And A Soft One?  By : Liz Roberts Too many inquiries on your credit report can ruin your credit. When you apply for a loan, credit card or cell phone, they pull your credit. Some of these inquiries are considered "hard" inquires and some of them are "soft" inquires. Knowing the difference will help you protect your credit. Banking With Bad Credit  By : Peter K If your credit problems are behind you but you still think that your current bank is giving you a poor deal, then maybe it is time to switch banks Stock Picks-Is GM Chairman losing it?  By : Richard Stoyeck GM wants Nissan to pay tribute, you got to be kidding? Identity Theft - When It Happens To You  By : Liz Roberts Identity theft is one of the fastest growing crimes in the country. Let me show you what to do if you realize someone has stolen your credit, and how to make sure it never happens again! How to Estimate Current Market Value  By : Michael Zari Real estate investing is a lot like buying stocks; ideally you want to buy low and sell high. Getting a great price means understanding the current market conditions, and the current market value of the project under consideration. This article looks at the various techniques that investors use for determining Current Market Value. How to Identify Excellent Companies  By : David Van Knapp This article outlines how time-pressed individual stock investors can quickly identify excellent companies worthy of their consideration. Tips For Safe And Secure Banking  By : Peter K Although most of us never have any security problems with are banking, fraudsters and identity thieves are finding more and more ways to steal our hard earned money Friendly's CEO Resigns; Largest Shareholder Requests Seats  By : On Thursday, Friendly Ice Cream (FRN) announced its CEO, John Cutter, had resigned. It was not immediately clear whether he had been forced out or left voluntarily. Friendly's largest shareholders, Sardar Biglari, has requested two board seats. Biglari, a value investor in the vein of Buffett, runs a hedge fund called "The Lion Fund" and serves as Chairman of Western Sizzlin (WSZL). Dow Flirts With New High Six Years On  By : As the Dow flirts with a new high (and the financial media tests everyone's patience), it's worth remembering how far the average investor has fallen and why. Stock Investing--Why Controlling Risk Is So Important  By : David Van Knapp This article explains why controlling risk and avoiding large losses are so important to the overall returns from stock investing. How To Avoid Common Personal Banking Mistakes  By : Peter K Using a bank can really save you money, but there are also ways in which you lose a lot of money. If you are not proactive in recognising potential dangers and mistakes, then you could be caught out Design Your Financial Future in 3 Simple Steps  By : Sherwin I am very sure many of have some idea about the future of your financial situation. However, have you penned it down? 6 Tips On How You Can Fund Your Way Through College  By : Alvin Toh Going to college or university is a first step towards a brilliant career. It is also the time when you encounter the first major financial issue in your life. 10 Tips for Debt Free Living  By : Marj Salada Debt Freedom—it is something that everybody wants to achieve, but the question is, how you get there. Reaching debt freedom involves changing the way we think about our money and the way we manage our money. I am not saying you need to give up all the things that you like, but you may want to take a good hard look at what is really important in your life. Choosing The Right Bank Account For Your Needs  By : Peter K Choosing the right bank account can be difficult, with so many seemingly similar options available to you it can just seem easier to pick the first account you come across Are You Making These Retirement Planning Mistakes?  By : Ray Prince The subject of pensions seems to be constantly in the news. Whether it’s the new legislation that came into effect in April 2006 or the Government’s next Pensions White Paper, keeping on top of what’s important is crucial so that you can plan ahead and make the most of opportunities. Let's take a look at some of the 'Pension Planning Mistakes' that you should strive to avoid. Banking Alternatives: Do You Need A Bank?  By : Peter K Although there are viable alternatives to traditional banking, perhaps the best way to save yourself time and money is to have a combination of accounts. If you are eligible for a credit union, then saving with them is probably the best option How To Solve Banking Disputes  By : Peter K If you have tried negotiating with your bank and you are still unhappy, then seek advice from an independent financial advisor or banking disputes company. Although most disputes are simply sorted out with a letter or phone call Monaco To Start Recording Finance Figures  By : Robert Palmer Monaco has announced it will calculate her GDP for the first time. For the second smallest country in the world it's an indication that her status as a tax haven won't stop Prince Albert wanting to play a bigger part in world affairs. 5 Things To Consider About Debt Consolidation  By : Brian May Debt Consolidation....How could you not think about it? Several times a week you are presented with the "best option" for debt consolidation through either the mail, a telemarketer(we all love them), e-mail, or advertising online, just to name a few. Do you find it strange that so many people are concerned with your well-being and financial stability that they want to help you? Don't be. There are obvious reasons that we all know, that companies want your debt. Huge Profits! Seniors Win Big With New IRA Rules  By : Four ways that the new IRA Rules help senior IRA owners Business Banking Basics  By : Peter K One of the most important features of large and small business is to have good business banking. Good business banking will allow the money within your company to flow, and will greatly save you time and money Putting It on Paper: Successfully Applying for Government Grants  By : Joseph Hanoa The first step for obtaining one of the many government grants available through federal and state governments is writing a good grant proposal. There are professional grant writers you can hire, but if you’re on a limited budget, or are an experienced writer yourself, it’s entirely possible to write a winning grant on your own. Stock Research – Republican Congress in hot seat  By : Richard Stoyeck Election looms big in November-Had Enough Income Protection  By : Michael Colucci A number of recent studies have shown that disability is an issue that everyone should be concerned with, even people who are young. To avoid this, it is important to make sure your income is protected. Be Confident That You’ve Put Your Proposals for Government Grants in Capable Hands  By : Joseph Hanoa Government grants aren’t always easy to obtain. There are many qualified and worthy individuals and organizations competing for them. That’s why a well-written and persuasive application can make all the difference. Drafting a grant proposal, however, is no short order. Many organizations turn to professional grant writers when applying for government grants. 3 Biggest Misconceptions About Use Value Versus Cash Value  By : Tony Mase In two previous articles, I shared with you one of the single most important concepts Wallace D. Wattles wrote about throughout his writings for those seeking financial success, that of giving more in use value than you receive in cash value. The concept is simple. However, in spite of its simplicity, there are three big misconceptions concerning it. In this article, I'll share them with you. UK Resident Doctors and Dentists - 7 Tax Saving Tips for the Next 12 Months  By : Ray Prince Achieving success with your financial planning is as much about how much money you manage to keep rather than how much you earn. Saving tax is one area where you can make a big difference to your net income, so use these strategies to your advantage... Banking For Students And Graduates  By : Peter K If you are a student or have recently graduated, then there a large number of bank accounts and financial products designed specifically for you 5 Super Wealth-Building Tips Pave the Way to Financial Freedom  By : Chris Robertson Here are five super wealth-building tips for the success-minded individual... Surety Bonds  By : ron The construction industry is a very good competitive marketplace. Contractors used to come across several projects that require them for as long as surety bonds guaranteeing their recital of the contract and looking out for sustaining a steady flow of work as well. Joint Bank Accounts And The Problem Of Divorce  By : Peter K If you are in the unfortunate situation of getting divorced, then you may be wondering how to sort out your joint bank accounts Hotel Rewards Cards For Free Stays  By : Joseph Hanoa It is a fact: major hotel chains want your business. Moreover, if you use them frequently they want to reward you with free stays during future visits. Most hotel chains offer a points system giving you the opportunity to snag a free night or two down the road. However, you need a little extra help in order to achieve this feat and that is where a hotel rewards card can really help you out. Read on and we’ll explore the advantages of using a hotel rewards card to get the points that you need. How to Manage Your Grocery Bill  By : Joseph Hanoa It can be painfully clear: your grocery bill eats up a significant part of your monthly budget. Some families report that as much as 30, even 40 percent of their budget is spent on food items that they must have and simply cannot do without. Is your grocery bill unmanageable? If so, read on and we’ll take a look at ways you can trim the cost without trimming the food. Cash Flow, Growth Money, Business Funding Beyond the Banks  By : Debra Maples The number one reason for business failure in the U.S. today is lack of working capital. Businesses need money to grow. The asset-based lending industry helps a business to leverage its "liquid assets" (most commonly accounts receivable, ie. invoices/contracts, purchases orders) and get cash to the business much faster than traditional sources. Buying Used Cars After Bankruptcy  By : Aurel Radulescu If you have recently been through a bankruptcy, you may be feeling as though it is impossible to obtain credit. [1] [2] [3] [4] [5] [6] [7] [8] [9]

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