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    (Published: Thu, 06 Oct 2005 04:34:21 -0700)
    Refinancing Your Home Why You Should And Why You Would.
    There are many people in today’s society that have, for one reason or another, found themselves in massive financial difficulty.

    The reasons for this are widespread but typically include credit card debt, loan debt, Car Loans (believe it or not), or mortgage problems.

    All of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 06 Oct 2005 05:22:39 -0700)
    Tips Regarding Interest Only Loans
    What are interest-only loans? How are they structured and who are they right for? How do you avoid common mistakes people make when choosing interest-only loans?

    Loans with the option of paying only the interest every month are called interest-only loans. These loans allow you to pay on the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 06 Oct 2005 05:39:08 -0700)
    Tips Regarding Interest Only Loans
    What are interest-only loans? How are they structured and who are they right for? How do you avoid common mistakes people make when choosing interest-only loans?

    Loans with the option of paying only the interest every month are called interest-only loans. These loans allow you to pay on the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 06 Oct 2005 05:41:47 -0700)
    Interest Only Loans – What You Need To Know?
    If you are shopping for a house or refinancing, you’ve probably seen ads for interest-only loans. While this type of loan is beneficial for some homebuyers, other homebuyers might regret the decision to take out an interest-only loan.

    Interest-only (IO) loans are structured so that the borr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 08 Oct 2005 01:28:54 -0700)
    Faxless Payday Loans – The Convenience Of It All
    At the start of the payday loan industry people often looked to their local cash advance store to get cash they needed for an emergency. With the emergence of the Internet, the face of the industry has radically changed. Cash advance stores are still doing a tremendous amount of business and are sti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 08 Oct 2005 01:55:43 -0700)
    How Do Those No Fax Payday Loans Work?
    The traditional forms of payday loans involve those small walk-in offices that you find in strip malls or smaller plazas; often they are not the friendliest looking place. They provide small term loans of a few hundred to possibly one thousand dollars. Typically they are for just a couple weeks or a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 08 Oct 2005 03:09:17 -0700)
    Home Equity: Your Ace In The Hole
    Almost 15 years ago, you bought your first home. You’ve been diligent in working and paying on the mortgage, and finally have more equity than mortgage. Ah, the sweet smell of victory, and home ownership. But are you playing the financial investment game as well as you think? Are you missing out on
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 08 Oct 2005 03:15:32 -0700)
    How To Invest And Breathe Simultaneously
    Well, you say you’re ready to being investing, on your own. No stockbrokers, no financial advisers, just you and the open market. What a thrilling prospect. Wait, are you seriously considering this proposition?

    Please allow me to give some advice: Don’t do it. I speak with some experience,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 09 Oct 2005 23:49:36 -0700)
    Avoid Payment Holidays When Offered
    Once you’ve been paying off a credit card for a while you might be offered a ‘payment holiday.' You’ll get a letter stating that since the company knows it’s difficult for some families around Christmas they’re offering you a month off from paying as a ‘special present.'

    Why Would They Do T
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 01:24:52 -0700)
    Top 7 Small Business Tax Tips
    Here are seven ways for owners of small businesses to save money on their taxes.

    1. Incorporate Yourself: If you`re still a proprietor or partner of a business, it`s time to incorporate yourself. Not only will you limit your liability, but you may enjoy lower tax rates on small busin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 01:48:12 -0700)
    Mortgages – How Much Are You Really Borrowing?
    How much are you paying back?

    When considering a mortgage do you consider all of the right questions, for example do you consider which bank is best because of their reputation or do you instead look solely at the interest rate tables, do you look at the ability to switch mortgage provider
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 01:55:42 -0700)
    Mortgage Equity Withdrawal - The Refinancing Trend
    Mortgage Equity Withdrawal is the formal name for equity refinance, reverse mortgages or simply home loans based on equity (as the security for the loan).

    Mortgage Equity Withdrawal rose to 8.7 billion pounds in the second quarter of this year to its highest since the third quarter last yea
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 02:44:55 -0700)
    Forex Versus Futures
    The origins of today's futures market lies in the agriculture markets of the 19th century. At that time, farmers began selling contracts to deliver agricultural products at a later date. This was done to anticipate market needs and stabilize supply and demand during off seasons.

    The current
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 22:46:36 -0700)
    Mortgages – How Much Are You Really Borrowing?
    How much are you paying back?

    When considering a mortgage do you consider all of the right questions, for example do you consider which bank is best because of their reputation or do you instead look solely at the interest rate tables, do you look at the ability to switch mortgage provider
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 22:49:26 -0700)
    Mortgage Equity Withdrawal - The Refinancing Trend
    Mortgage Equity Withdrawal is the formal name for equity refinance, reverse mortgages or simply home loans based on equity (as the security for the loan).

    Mortgage Equity Withdrawal rose to 8.7 billion pounds in the second quarter of this year to its highest since the third quarter last yea
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 10 Oct 2005 22:57:46 -0700)
    Best Credit Cards
    Choosing the best credit cards to meet your personal credit needs is an important step to take. Credit cards are the best for short-term credit borrowing, and if you choose the best credit cards wisely, you won't be struggling with unmanageable cards payments either. But how do you go about choosing
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 11 Oct 2005 02:43:00 -0700)
    Credit Card Charge-Off – What Does It Mean And What Should You Do About It?
    Have you been told by a creditor that your debt is about to "charge-off"? Did the bill collector make it sound like you will be ruined financially if you allow this catastrophe to happen? If you're behind on your bills, unable to keep up with payments on your credit cards and other debts, sooner or
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 11 Oct 2005 05:38:52 -0700)
    Need Some Mutual Fund Info?
    Mutual fund info is one of the most sought after things on the market when it comes to investing. People are considering this fun option for many reasons. First, what is a mutual fund? It is a way of allowing many investors to pool their money together and to allow a professional investment manager
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 11 Oct 2005 05:40:47 -0700)
    Can You Get A Credit Card If You Have Bad Credit?
    Getting a credit card with bad credit is harder than if you have good credit but it is far from impossible.

    Bad credit is nothing more than a slight hindrance these days. There was a time when bad credit would keep you from getting any form of credit or loans but not anymore.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 11 Oct 2005 06:06:21 -0700)
    Balance Transfer Help; What To Do?
    Considering a balance transfer? Help in understanding whether or not to make this move is necessary. Unless you are a financial scholar, it all seems like too much to grasp. Should you transfer your balance to a new loan or should to maintain what you already have? There are many things to consider
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 12 Oct 2005 02:06:30 -0700)
    Futures Option Spreads – Delta Neutral Trading
    There are many ways to trade futures option spreads. One way is to trade spreads that can profit from time decay. You can sell options which you believe will lose more time value than the options you buy.

    Another way is to buy and sell options based on their deltas. Some of these trades ar
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 12 Oct 2005 02:22:19 -0700)
    Pensions
    Pensions are definitely a political “hot potato” in most countries around the world as population demography changes with an increase in the numbers of retired citizens. Canada is no exception as private pension schemes are being promoted to take the heat off the Governments Canada Pension Plan that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 12 Oct 2005 03:12:52 -0700)
    Understanding How Interest Rates Work
    Interest rates are a complex subject. In some cases you will want them to be high, in others you'll want them to be as low as possible. But, what they are is not something that you or I can change. It is determined on many things especially on the way the economy is moving. So, how much you will pay
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 13 Oct 2005 23:05:07 -0700)
    The New Way To Lower The Cost Of Health Insurance
    It seems that every day there is an article about the rising cost of health insurance, the high number of people with no health insurance, and our system of financing medical care which is broken and needs repair or replacement.

    What goes unreported is that since January 1, 2004 there is a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 13 Oct 2005 23:33:08 -0700)
    Personal Loans – How To Make Sure You Get The Best Deal
    If you are in need of obtaining additional money quickly, then your main choices are using a credit card or obtaining a personal loan from a bank, building society or from a specialist loan company. For short term borrowing credit cards can be useful, but for longer term borrowing a loan may seem to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 13 Oct 2005 23:34:08 -0700)
    The Myth Of The Christmas Loan
    If you think Harry Potter was going to be the most imaginative marketing plot this Christmas, think again. Each Christmas, as consumers look at their finances and investigate the different sources of funding to cover their Christmas shopping, loan companies and credit card providers polish up their
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 14 Oct 2005 13:43:35 -0700)
    Tax Tips for the Self Employed
    Tax Tips for the Self-Employed By R.L. Fielding If you are self-employed, it’s important that you take control of your finances and become aware of the changes that can affect your taxes. But how do you know if you are considered by the IRS to be self-employed? And if you are, what should you k
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 14 Oct 2005 18:15:44 -0700)
    How To Improve Your Credit Score – Even If You Are Not A Financial Expert!
    If you have less than perfect credit, and you've ever tried getting a loan or credit card, then you know just how much poor credit can cost you.

    So, the next step to getting yourself completely out of debt is learning how to clean up your credit file!

    Many people think that by pa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:25:42 -0700)
    Pay It Off And Plan Ahead
    Maybe you’ve looked at your calendar and realized that October is fast approaching. You have set some goals earlier this year in the area of your finances but have not achieved them. Now is the time to make a committed effort to begin paying those bills off and plan ahead. Why? As holiday season app
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:26:55 -0700)
    Small Business Credit Cards: Reap The Rewards!
    Are you looking to finance some of your small business related expenses? Did you know that small business credit cards can help you afford many of your business expenses? In fact, small business credit cards not only help you pay for business related expenses, but they also provide myriad benefits t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:47:41 -0700)
    0% APR Credit Cards: A Tool To Eliminate Debt
    It is interesting to note that what started off as a marketing gimmick has now become an almost permanent part of the credit card industry in America and today 0% APR credit cards can in fact play a significant role in helping a person reduce or get out of debt.

    What Is A 0% APR Credit C
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:48:37 -0700)
    Gas Rewards Credit Cards Save You Money At The Pumps
    Gas prices breaking your budget? Switch to a cash back credit card rewards plan and save 2% to 5% on all your purchases at your favorite gas station. For credit savvy consumers that can make a difference in real dollars and cents.

    Branded gas company cards can cost you

    By us
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:50:05 -0700)
    Fixing Your Credit Score Doesn't Have To Cost You
    Credit repair advertisements claim to guarantee a quick fix on your credit report. They promise for a fee (not always disclosed at first) to clean up your credit history so that you can qualify for a new home, car, insurance, a job, or premium credit cards. Before you sign up with one of these compa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:51:36 -0700)
    Why Your Credit Score Matters
    Among the many innovations that emerged after World War II, credit use has become a major factor in our entire economic profile. As a result, your credit rating is the most important factor in determining your credit APR when you apply for any type of credit: credit cards, 0% APR transfer offers as
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:54:11 -0700)
    Preventing Identity Theft And Credit Card Fraud: How To Protect Your Credit Information
    According to a recent poll by Experian, one in five Americans has reported they have experienced some form of identity theft. If it happens to you, and your identity is stolen, you might be in for a lengthy hassle that could cost you your credit rating and leave a permanent blight on your financial
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:56:11 -0700)
    Cash Back Credit Card: Earn While You Spend!
    Cash back credit cards are an excellent way to earn money while you spend! Instead of making purchases with standard credit cards, you might want to consider applying for cash back credit cards because such cards reward you with cash back on every purchase you make! Further, in addition to cash back
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 15 Oct 2005 22:56:54 -0700)
    Are You Having Sleepless Nights Because Of Your Finances?
    You’ve worked hard all day and come home at night, only to discover that you can’t get comfortable in your own bed. You toss and you turn for well over three hours. As 3a.m. approaches, you finally go to sleep but the alarm sounds all too quickly at 6 a.m. It’s time for you to go to work. Day two co
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 16 Oct 2005 12:31:55 -0700)
    Settle your debts the easy way
    The process of contacting creditors directly or through a third party and negotiating for a lump sum payoff of your debts is known as debt settlement. Benefits of debt settlement * You can reduce your principal debt amount by around 40% to 60%. * Eliminate your late fees, lower your APR. * R
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 17 Oct 2005 01:02:23 -0700)
    The History Of Gold As Money
    Turning Gold Into Money

    Gold is one of the most dynamic elements of the modern economy and some might find it funny that the oldest form of valuing physical commodities is still thriving today. The first gold coins were produced in 700 BC and since then the precious metal has been us
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 17 Oct 2005 02:09:09 -0700)
    Getting Payroll Tax Figured Out
    There is nothing escaping payroll tax. It is something that you will need to deal with from the day that you get your first job until the day you retire. Payroll tax is the amount of money that comes out of your paycheck each and every time for the various services that you need to pay for. And, the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 17 Oct 2005 02:11:15 -0700)
    Getting Bad Credit Help
    Getting the bad credit help that you need is quite hard. First of all, it is embarrassing and difficult to admit that you need help managing the debt and credit problems that you have. Whether or not you are to blame or whether or not you could do anything about it, really doesn't matter now. Now, w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 17 Oct 2005 02:30:41 -0700)
    The History Of Gold As Money
    Turning Gold Into Money

    Gold is one of the most dynamic elements of the modern economy and some might find it funny that the oldest form of valuing physical commodities is still thriving today. The first gold coins were produced in 700 BC and since then the precious metal has been us
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 00:20:04 -0700)
    Debt Stress, The Really Bad Side
    In all the information and discussion about credit card debt there is one thing that gets largely ignored. Stress. Credit card debt is extremely stressful and can have a very negative effect on your life if you let it.

    It’s very difficult to not feel its effect but you can learn to deal wi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 00:35:03 -0700)
    7 FAQs When You Apply For A Credit Card
    There are so many credit cards out there to choose from that deciding which one to get can feel really daunting. What makes one offer better than the hundreds of others you’ve seen? Here are top 7 FAQs to finding the right credit card:

    1. Are You a Student?

    If you are, then you’l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 00:44:46 -0700)
    Credit Card Debt Consolidation: Top 3 Factors To Consider
    If you’ve got a number of credit cards and insurmountable credit card debt, then perhaps it’s time to consider a debt consolidation loan. A consolidation loan is a loan that you can use to pay off all your debts, meaning that you can pay them off for less money without having to worry about lots of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 00:45:35 -0700)
    Why You May Need Credit Card Debt Consolidation
    You find yourself in a situation of mounting credit card debt. You have 5 credit cards in your wallet and have been shopping more than you earn. Initially you had no problems managing your funds but it has started to snowball not too long ago. Your spending has been steadily increasing as you find i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 23:14:08 -0700)
    Low Cost Life Insurance
    Finding low cost life insurance need not be a complex process. The life insurance market in the UK is extremely cost competitive, with a glut of cost orientated life insurance companies keeping the cost of life insurance at record low levels. Competition in low cost life insurance has increased furt
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 18 Oct 2005 23:45:24 -0700)
    Are You A Credit Risk? No? Are You Sure?
    You may not find out how bad your credit really is until you apply for a mortgage. Then you will quickly realize that the low interest rates everybody raves about these days, the rates that are a big part of the rising prices of real estate across America, don't apply to everyone. To be specific, th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 19 Oct 2005 00:13:02 -0700)
    The Role Of A Tax Collector
    The County Tax Collector is as independent government agency and is elected for a four-year term in the Presidential election year. It is essential that a County Tax Collector is independent to ensure that it can serve the taxpayers, local businesses and local and state agencies correctly.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 19 Oct 2005 01:43:03 -0700)
    Forex Trading: Making Money With Money
    Forex trading is one of the growing markets for making money in today’s world economy. If you are part of the forex trading game, you need well thought out and planned strategies. You also need up to the minute information and reliable data to help you along the way. With this said, in order to be s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 00:18:02 -0700)
    Home Loans
    Approvals of home loans in January 2005 fell to their lowest level since January 1999. Only 126,300 mortgage loans were approved throughout the month, representing a 28% year-on-year drop in mortgage loan approvals. With competition between lenders in the home loans market remaining strong, and fewe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 01:03:17 -0700)
    Lower Mortgage Payments Can Increase Wealth
    Creating and maintaining wealth is a very difficult task. Ask any millionaire!!! The delicate balance of living a dream lifestyle and holding expenses tight creates this difficulty. As a financial advisor, I have assisted people accumulate monies to live their dream life while discovering ways to re
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 01:21:46 -0700)
    The Inside Scoop On Cash Advance Loans
    What is good about cash advance loans? These loans do offer individuals a wealth of help when it comes to needing money in a big hurry. In many cases, they are the only thing that keeps people above water. But, they are also deadly traps when individuals that get them do not take the proper measures
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 04:19:37 -0700)
    Nsecured Loan To Secured Loan - How A Loan Company Can Convert Your Debt And Claim On Your Home
    Warnings have been issued recently by debt counselling charities, regarding an increasing trend by some of the high street lenders to issue “charging orders” on borrowers’ homes in order to recover bad debts. Major names in loan provision such as Abbey, Alliance and Leicester, Bank of Scotland, Hali
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 04:20:35 -0700)
    Store Cards, Credit Cards And Loans – How To Borrow Money Effectively.
    You don’t have to have the lifestyle demands of Paris Hilton to need extra money these days. According to Credit Action, the total UK personal debt was 1,122 billion, a growth of about 10.5% over the previous year and in the UK and each adult in the UK has an average of 4.1 credit cards in their wal
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 20 Oct 2005 12:05:34 -0700)
    Pump money back into your pocket at the Gas pump.
    With pump prices hitting record highs every week since early March, gasoline rebates may be overtaking airline miles as a favorite reward among credit card users. The gas-rebate cards are the newest tip for drives. “Gas credit cards has been really a new action item in the credit card industry”-
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 22 Oct 2005 01:25:20 -0700)
    3 Steps To Profitable Stock Picking
    Stock picking is a very complicated process and investors have different approaches. However, it is wise to follow general steps to minimize the risk of the investments. This article will outline these basic steps for picking high performance stocks.

    Step 1. Decide on the time frame and th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 22 Oct 2005 03:09:44 -0700)
    Debt Settlement & Income Taxes – What You Need To Know
    Debt settlement has become a popular approach to resolving problem debts without having to file bankruptcy. With this approach, creditors agree to accept a portion of what you owe (usually around 50% or less) to settle the account, and the remaining balance is forgiven. This technique will certainly
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 22 Oct 2005 04:15:32 -0700)
    Have You Lost Your Credit Cards?
    If you have ever lost your wallet or purse with your credit cards inside you know that feeling of fear that sets in. We have all heard so much about identity theft that losing credit cards is enough to strike the fear of God into anyone. If you lose your credit cards you don’t have any time to waste
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 22 Oct 2005 04:26:09 -0700)
    Where Can You Buy The Dinar Safely?
    There are a lot of places where you can buy the Iraqi dinar. It will be a half year dayjob to test them all!

    So where can I buy the dinar safely?

    Look for the companies that are involved in more than only selling the new Iraqi dinar. They do not want to destroy their good n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 04:17:43 -0700)
    The Top Five Morgan Silver Dollars
    Why waste everyone’s time? Let’s skip the appetizers and get to the meaty stuff right now: The Morgan silver dollars poised to increase the most in value in the years ahead are the 1895, 1892-CC, 1894, 1878-CC, and the 1883-CC. Pretty bold prediction, eh? At this point, the reader now has three opti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 04:19:33 -0700)
    Identifying US Coins With Bullish Futures
    Okay, let’s get something straight… I do not advocate the purchase of United States coins strictly for investment purposes. Like most traditional collectors, I believe coins are to be primarily appreciated for their artistic beauty, historical connections, and the joy of pursuing them. However, it s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 04:21:47 -0700)
    Grandma’s Mercury Dimes
    One vivid memory of my very early childhood back in the 1960’s was of driving to church on Sunday mornings with my family. Since my grandparents lived close to us, Dad would always swing by and pick them up, and we’d all carpool together. It was the job of “Little Danny” (as I was affectionately nic
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 04:31:35 -0700)
    Why You Should Use A Prepaid Credit Card?
    Prepaid credit cards have been growing in popularity over the past few years. But despite the 'credit card' name, no credit is actually involved. Here’s how it work's.

    When a standard credit card is used, you pay for the convenience of being able to purchase items without saving the money
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 05:37:44 -0700)
    Do You Bank Online?
    If you haven’t made it to the world of options offered in bank-online fields, the fact is that you should be. Yes, there are many opportunities for you to walk into a teller and get your information taken care of. But when do you pay bills? Do you do it in the middle of the night, usually the night
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 23 Oct 2005 05:39:03 -0700)
    How To: Avoid Foreclosure
    In order to avoid foreclosure, you need to find the companies and the services that are able to provide you with high quality information. You do not need someone to come in and try to sell you yet another deal. For honest to goodness help in getting out of this debt and mess, you need high quality
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 24 Oct 2005 03:55:24 -0700)
    Your Guide To Successful Forex Trading
    If you were wondering; forex trading is nothing more than direct access trading of different types of foreign currencies. In the past, foreign exchange trading was mostly limited to large banks and institutional traders however; recent technological advancements have made it so that small traders ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 24 Oct 2005 04:00:47 -0700)
    Discount Life Insurance
    Life insurance is a type of insurance policy that provides financial security and peace of mind for you, your family and dependants. It is based on the simple principle that should you die during the term of the life insurance policy, the person(s) named in the insurance policy will receive a lump s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 24 Oct 2005 04:02:27 -0700)
    “How To” Start Trading The Forex Market?
    What Is FOREX or FOREX MARKET? PART I

    The Foreign Exchange market (also referred to as the Forex or FX market) is the largest financial market in the world, with over $1.5 trillion changing hands every day.

    That is larger than all US equity and Treasury markets combined!
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 25 Oct 2005 05:12:57 -0700)
    Home Mortgage Loans
    Getting rid of the mortgage early is something that many home owners in the UK aspire to achieve. Being free of the principal financial debt in most people's lives at the earliest stage possible offers financial security and peace of mind for later on in life. Paying off the mortgage early is no pip
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 25 Oct 2005 05:38:24 -0700)
    New Generation Of Financial Information Systems Makes Crunching Numbers Faster And Easier
    In what seems like only a few short years, fiscal selective information systems (FIS) have evolved from simple, back-office support systems into fully integrated solutions that can handle everything from payroll to accounts receivable and gross cycle management. But such increased functionality woul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 25 Oct 2005 23:45:15 -0700)
    Student Loan Options For Financing Your Education
    When you begin applying for colleges, you will find that tuition and boarding fees are extremely expensive. Unless they are independently wealthy, few people can pay for college outright. If you do not qualify for scholarships, financing your education can seem virtually impossible, even with the he
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 26 Oct 2005 04:11:31 -0700)
    Unsecured Loans
    When looking for a personal loan, borrowers normally have two options to choose from - unsecured personal loans or secured personal loans. Unsecured loans are loans where the borrower does not have to officially put down any collateral against the loan. They are open to both homeowners and tenants,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 27 Oct 2005 02:34:55 -0700)
    Carrying Car Insurance Is A Smart Choice
    Carrying car insurance is a crucial decision for anyone on the roads today. With so many drivers on cell phones, eating fast food and even watching TV while at the wheel, it isn’t unusual to find yourself in a “fender bender” or serious wreck. Having car insurance can make such an ordeal a lot less
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 27 Oct 2005 03:21:43 -0700)
    Car Insurance For High-Risk Drivers
    If you are classified as a high-risk driver, finding car insurance can be quite a hassle. Some insurance companies will deny insurance to high-risk drivers, while others just choose to charge extremely high premiums. No matter which insurance company you choose, you will most likely end up with a hi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 27 Oct 2005 23:59:31 -0700)
    Used Car Loans
    Want to buy a used car but just don't have the funds sat in your bank account? If so, why not consider taking out one of the many used car loans available on the loans market.

    Used car loans are specifically designed by loans companies to provide used car buyers with a competitive finance
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 28 Oct 2005 00:23:05 -0700)
    The Role Of Gold Bullion Coins In Your Portfolio
    Are Gold Bullion Coins Worth It?



    Today's world offers investors plenty of avenues for their money. Which ones are worth it and which ones just bring unnecessary risks with very low chances of profit?



    Many people have turned to buying gold bullion in order to impr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 28 Oct 2005 04:06:05 -0700)
    Life Insurance - Money saving Top Tips
    More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product. Despite the underlying simplicity of life insurance, most web sites c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 28 Oct 2005 21:53:34 -0700)
    “How To” Start Trading The Forex Market? ( Part 2)
    Why is FOREX trading so popular?

    Because you can trade from anywhere. From your kitchen table, bedroom, garage or from the nearest Starbucks coffeehouse ( most of them have wireless Internet connection).

    If you have or like to travel, take your laptop with you and you can tr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 29 Oct 2005 01:11:59 -0700)
    Life Insurance - Money Saving Top Tips
    More and more people are buying life insurance online and the numbers seem to be doubling every two years. The reasons are clear. Prices are lower on the Internet and life insurance is fundamentally a simple insurance product.

    Despite the underlying simplicity of life insurance, most web s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 29 Oct 2005 01:35:02 -0700)
    Loans
    The cost of borrowing money in the UK is at its lowest level for some years. Interest rates as set by the Bank of England have stabilised at a low lending rate, enabling consumers to take out loans and credit agreements that are altogether very affordable. In fact, despite personal debt reaching rec
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 29 Oct 2005 01:50:56 -0700)
    Properly Funding Your Trading Account
    Although many will suggest that you can trade with the minimum margin requirement we do not necessarily recommend it.

    Let's say that you are about to start trading an S&P; 500 futures daytrading system. Let's say that the exchange minimum margin requirement is $25,000 and the system drawdow
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 09:20:16 -0700)
    Getting the Best Deal on Auto Insurance
    Let your fingers do the walking... Remember that Yellow Pages Ad Campaign? Excellent advice if you’re shopping for auto insurance. Shop around and do it yearly. Don’t just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal ava
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 20:00:30 -0700)
    Learn How To Fix Your Credit & Debt Problems – Before Buying Your Next House!
    Most people think – mistakenly – that if you have credit problems, you have to wait 7 years for them to go away. Well, that's not always true.

    Credit repair can help you...once you know how to do it. The time to clean up your credit and pay off your debts is RIGHT NOW, before you start
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 20:07:03 -0700)
    5 Simple Ways To Lower Your Monthly Bills – And Save Lots Of Money!
    Here you're going to learn several ways to save money every month by lowering your monthly bills.

    There are lots of ways to save money, no matter how much of it you have - or don't have!

    Having struggled for many years paying my own bills, I learned many ways to save money
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 20:19:33 -0700)
    Here You're Going To Learn Several Ways To Save Money Every Month By Lowering Your Monthly Bills.
    Has debt got you down?

    If so, you’re not alone. These days getting into debt is easy. Getting out is not. Buying lottery tickets and hoping to “win the big one” is not the answer.

    No matter how much money you owe, and no matter how tight money gets, remember that life is too
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 20:29:12 -0700)
    Credit Repair System
    The Credit Repair System has tools available that helps many debtors find relief. Credit repair system is the steps to recovering from debts, while getting back on your feet again. If you have bad credit, you already know how difficult it is to reestablish a respect in society. Struggling down many
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 21:45:11 -0700)
    Be Prepared When You Apply For A Credit Card
    Getting and having a credit card can be a beneficial thing for most people. You will have a big advantage when you have a credit card. A credit card can be especially useful when you want to purchase items remotely. Think how much easier it is to make purchases online, and reserve plane fare or hote
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 30 Oct 2005 21:48:37 -0700)
    How A Bad Credit Report Affects Your Life
    A low credit rating or bad credit report can negatively affect virtually every aspect of your life. Whether you are consistently late on your mortgage or utility bills or you are over your limit on your credit cards, bad credit can make purchasing on credit virtually impossible, and it can limit you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 31 Oct 2005 20:38:56 -0700)
    Pros And Cons Of Credit Cards
    Credit cards are very convenient. There’s no need to carry any cash; you can just take a credit card with you to the shop and charge for your shopping.

    When you shop on the Internet or over the phone, it’s the only good way to make purchases online. This is more convenient than posting a c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 31 Oct 2005 20:41:43 -0700)
    Credit Cards: Top 7 Mistakes That Card Holders Make
    You need to manage your credit cards wisely. Otherwise, you may end up in financial trouble. Unfortunately, there are many who don’t realise that they may be making huge mistakes with the use of their credit cards. Here are top 7 credit card mistakes that card holders make:

    1. Paying Just t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 31 Oct 2005 21:23:09 -0700)
    Easy Tips For Your Late Credit Card Payment
    There are three reasons that you might have missed a payment on your credit card: either you can’t afford to pay, the payment didn’t get there in time or you just plain forgot. For whatever reason, there’s one thing you need to do, and quickly – get on the phone.

    Then, apologise like you’ve
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 07:37:20 -0700)
    Government Credit Repairs
    If you are building a credit history, suffering bad credit or else your credit is great, there are sources available that will help you maintain credit, repair credit, and build credit history. If you have bad credit you must at least apply for two loans and be turned down before, the government wil
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 07:49:12 -0700)
    Credit Repair And Avoiding Court
    If you ever entered a courtroom, you know that the stress elevates, even if you are in the room for someone else. Courts are an automatic source for lifting stress. Moreover, to avoid the courts means we have to abide by laws and pay our debts. If you have taking out a home mortgage, car loan, perso
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 08:15:54 -0700)
    Life Insurance Rates
    Life insurance at the present time is very affordable. Competition in the life insurance market together with the cost savings that life companies are making by operating on the Internet has depressed insurance rates, bringing them down to historic low levels. For a healthy non-smoker in their 20s,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 20:18:01 -0700)
    What’s the .382 Fibonacci Ratio in Forex Trading?
    It was mentioned in a past article that Fibonacci forex trading is the basis of many forex trading systems used around the world by profitable forex traders. These systems are all based on the famous Fibonacci ratios (.236, .50, .382, .618, etc.) and each of them can specialize in a particular ratio
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 20:22:27 -0700)
    What’s Fibonacci Forex Trading?
    Fibonacci forex trading is the basis of many forex trading systems used by a great number of professional forex brokers around the globe, and many billions of dollars are profitable traded every year based on these trading techniques. Fibonacci was an Italian mathematician and he is best remember
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 22:36:29 -0700)
    Choosing Cash Back Credit Cards
    Many merchants and large department stores offer their customers credit cards with a “cash back” option, hoping that the credit cards will entice their customers to do more of their shopping in their particular store, and charge their purchases with the credit card in order to receive the cash back
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 01 Nov 2005 22:45:12 -0700)
    How To Buy A Car (Trust Me - I Used To Sell Them)
    We Americans like to buy a car at the dealership in one afternoon, and the dealerships try very hard to make us think that is possible and even smart. But it’s not. Realize how big a purchase a car is. And it is complicated.

    Buying a car is the second-largest purchase most people make after
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 02 Nov 2005 09:46:46 -0700)
    Buying Life Insurance online – is it a really good idea?
    The advent of the internet has opened up the possibility of cheaper life insurance for all.

    In years gone by, if you were considering life insurance you would probably have invited an insurance salesman from your favourite insurance c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 02 Nov 2005 09:48:14 -0700)
    Buying Life Insurance? One tip to save you £thousands!
    It's simple, always have your Life Insurance policy “Written in Trust”. This may sound technical but it is easy to understand and it's so easy to organise.

    “Written in Trust” ensures that in the event of a claim, the policy will pay directly to the beneficiaries you name on the polic
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 03 Nov 2005 00:21:03 -0700)
    Buying Life Insurance Online – Is It A Really Good Idea?
    The advent of the internet has opened up the possibility of cheaper life insurance for all.

    In years gone by, if you were considering life insurance you would probably have invited an insurance salesman from your favourite insurance company to meet you or alternatively gone to your local i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 03 Nov 2005 00:34:20 -0700)
    Buying Life Insurance? One Tip To Save You Thousands!
    It’s simple, always have your Life Insurance policy “Written in Trust”. This may sound technical but it is easy to understand and it’s so easy to organise.

    “Written in Trust” ensures that in the event of a claim, the policy will pay directly to the beneficiaries you name on the policy when
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 03 Nov 2005 01:23:05 -0700)
    Visa Or Mastercard: Which Credit Card Should You Apply For?
    Should you get Visa or MasterCard? Is one of them better than the other? Will one of them help your credit rating more than the other? Many people ask themselves these types of questions when they think about getting their first credit card or additional ones. The fact is, few differences exist betw
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 04 Nov 2005 01:25:47 -0700)
    Interest Only Home Loans
    When choosing home loans home buyers are presented with a choice of borrowing formats. They can either select repayment home loans or interest only home loans. Repayment home loans involve the home owner making monthly repayments where the amount repaid includes the interest charged for that month A
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 04 Nov 2005 01:28:10 -0700)
    Insurance Quotes
    Obtaining insurance quotes can be a laborious job. Hours may be spent on the telephone speaking to different insurance agents in the hope that they'll be able to give you a cheaper price than the quotes you've already received. Each time you phone a new agent you find yourself churning out the same
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 04 Nov 2005 04:40:44 -0700)
    Thoughts On Securing A Bad Credit Mortgage
    Over spending, the endless nights of partying, eating out and more or less buying everything on a whim, has most likely put a dent in your financial situation and will affect how you live your life for years to come. Clearly, the best option is to dampen your lavish lifestyle sooner than later.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 04 Nov 2005 04:55:19 -0700)
    Getting Started With Online Investing
    As with everything else these days, the stock market has gone online. If you can shop, pay bills, and do your banking online, why not invest too? Investing online is not as big of an ordeal as some people make it out to be. The key is to know what you want before you start.

    When opening a n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 04 Nov 2005 10:42:18 -0700)
    Super Balance Transfer Credit Cards
    Credit cards are a great way to spend money that you do not have and we all know that so it is nothing new to us. A credit card is a spending tool that many of us would feel as if we had had a limb cut off if we could no longer have one, would also ring true to a lot of people. Start Making Money
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 06 Nov 2005 02:14:49 -0700)
    Building Credit Ideas
    There are several ways that we can build credit. If you are tired of collectors hounding you, or if you are frustrated that no one will loan you money because you never had credit, it is time to learn how to build your credit. First, and foremost never purchase items you do not need. If you 'want',
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 06 Nov 2005 03:11:07 -0700)
    Instant Approval Credit Cards - The Advantages Of Applying Online
    Getting instant approval for a credit card – and sometimes getting immediate access to use it – can now be done in less than 60 seconds. No muss, no fuss like the old days when getting a credit card took a month or more. If you weren’t aware of how instant your approval could be, now is the time to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 06 Nov 2005 04:03:26 -0700)
    Super Balance Transfer Credit Cards
    Credit cards are a great way to spend money that you do not have and we all know that so it is nothing new to us. A credit card is a spending tool that many of us would feel as if we had had a limb cut off if we could no longer have one, would also ring true to a lot of people.

    Start Mak
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 07 Nov 2005 08:04:51 -0700)
    Credit Card Minimum Payments Create Debt
    A credit card minimum payment means that you can spend more and pay as little back as the credit card issuer will allow you. Sounds great in theory but it is a system that will turn out to be your worse nightmare. If you stick to it before long you will find that you have reached your limit, have no
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 07 Nov 2005 22:09:11 -0700)
    Credit Card Minimum Payments Create Debt
    A credit card minimum payment means that you can spend more and pay as little back as the credit card issuer will allow you. Sounds great in theory but it is a system that will turn out to be your worse nightmare. If you stick to it before long you will find that you have reached your limit, have no
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 03:31:24 -0700)
    Buying a Used Car
    Before getting your own car, it pays to do some homework. Think about what you need, what the car will be used for, and your budget. Look in books and online and think about repair costs, safety tests, mileage etc. All this research can save you some serious money and help you avoid being rip
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 03:38:26 -0700)
    Why You Should Consider Pet Insurance For Your Family Pet
    Want to consider the following pointers as to why you should consider pet insurance for your family pet:
  • 1 in every 3 family pets will visit a vet this year for treatment
  • 40 percent of all vet fees are caused by ‘unforeseen’ illnesses or accidents
  • less than 15 percent of family
  • Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 07:33:38 -0700)
    Getting approved for a credit card
    It is a fact of modern life that credit cards are an increasingly essential financial tool. There are many situations in which if you do not have a credit card, you will either be unable to pay for goods and services, or to take up special promotions. There are also countless more situations when ha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 07:35:31 -0700)
    Bad Credit Debt
    In today’s world, there are a lot of things that its very difficult to live without. One of them, is credit. Can you imagine trying to save up for a car until you had enough cash to just pay for it outright? Do you think you would be able to pay for college tuition and study at the same time? Who wo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 13:28:29 -0700)
    Learning The Importance Of Bonding, The Hard Way
    Sometimes people won’t listen to solid advice unless it directly effects them. Unfortunately, some people simply need to learn the hard way before they make more sound decisions. This can be seen almost every time suretyship makes its way to the news. Since surety bonds are not the most exciting thi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 13:30:18 -0700)
    Performance Bonds - How times change
    Turning back the clock…..and bond agents working for a living. Do you recall the late 90’s and way early in 2000 when getting approved for contractors Performance
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 13:32:06 -0700)
    Critical Illness Insurance Do you really need it? Or is it a waste of time?
    GREAT NEWS! There’s now a one in five chance of you winning the lottery before you retire. Getting excited? Think it’s just a matter of time before you win? Think again, it’s not going to happen - but it got you thinking! Now think of the same odds but this time about bad news. There is a 1 i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 13:33:50 -0700)
    Offset Mortgages. A dream for well off homeowners.
    Offset mortgages represent one of the biggest mortgage innovations seen in recent years. Six years ago there was hardly an offset mortgage to be seen. Now they and the current account mortgage, to which they are closely related, account for £10 out of every £100 of new lending. What’s more, one
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 08 Nov 2005 19:46:37 -0700)
    More Return On Equity For Your Investment Property Dollar
    Few would deny that real estate is a solid investment. It provides an attractive combination of stability, reliable cash flow, preservation of principal and capital appreciation. However, many investment property owners nearing retirement find themselves in a quandary. They are equity rich, but cash
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 02:30:31 -0700)
    How To Invest Wisely And Make Your Money Grow
    Wise investments of your spare funds can be a great way to grow rich. These days, savings accounts offer very low interest and it is a waste to allow your money to lie in them. Based on your appetite for risk and your financial needs, you have various other investment schemes and options to choose f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 02:44:20 -0700)
    Currency Trading: Finding Your Niche
    Currency trading is quite similar to trading stocks on the market. While you may or may not have any familiarity with those options, you should know that trading in this form is quite popular and it keeps gaining in popularity. There are many reasons for that, but in most cases it is popular because
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 03:19:58 -0700)
    Bridging Loans
    A couple of years ago my wife and I were in the process of selling our house. We were pretty sure we had found a buyer and had agreed on a price acceptable to both them, and us but they wouldn’t be able to buy our house for about three months. My wife and I were totally ok with this since we weren’t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 06:30:45 -0700)
    Tips On How To Arrange Cheaper Home Contents And Buildings Insurance
    If you are looking for tips on how to reduce the yearly premiums you pay on your home contents and/or home buildings insurance policies, the following are some sure-fire ways to do it: Increase the insurance excess amount While still maintaining a sensible threshold, why not increase th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 08:21:46 -0700)
    Credit Cards Bring Festive Cheer
    Christmas is almost upon us once again and the worry of meeting the demands that it has on our finances comes to the fore. Many will get themselves into a level of debt that they cannot sustain and if it’s paid for with your current credit card or god forbid a store card, then the expenditure will b
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 08:36:43 -0700)
    Prepaid Credit Cards
    If you have a history of bad credit and are unable to obtain a mainstream credit card, then prepaid credit cards may be just the answer you are looking for. First of all, although prepaid credit cards are accepted at any retail outlet where the credit card logo is displayed, strictly speaking the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 09 Nov 2005 10:15:21 -0700)
    When Does it Pay-Off to Obtain a Home Mortgage?
    If you are in dire need of money and don't have the financial means for a large cash transaction to buy a house, then opting for a home mortgage is worth consideration. Basically, a mortgage refers to a long-standing credit that a debtor obtains from a financial institution or from a property se
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 00:15:22 -0700)
    Loans For Bad Credit
    Personal debt in the UK has soared to record levels over the past few years. The Bank of England has recently confirmed that personal debt on a national level now amounts to more than £1,065 billion. Recent media reports suggest however that with low interest rates on loans that the UK public are be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 00:38:56 -0700)
    How Your Credit Score Determines The Size Of Your Bank Account
    Every time you apply for any type of loan or you are issued credit or you pay any bill, it becomes a part of the equation that determines your credit rating.

    The primary or big three credit agencies are: Experian, Equifax and Trans Union. The credit score they determine is what all major le
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 00:48:30 -0700)
    The Countless Alternatives To Credit Cards
    Thanks to the constant stream of credit card offers you receive in the mail or through television few people understand that there are viable alternatives. Below are five of those alternatives.

    1. Debit Cards
    Debit cards have been used in many European countries for a number of years,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 01:41:53 -0700)
    Loans Are Not Just For Christmas. Surviving The Holiday Debt Hangover.
    Christmas is coming - A time for decorations, songs, over-eating, gift giving, visiting the family, consumer spending and the increasing of personal debts. Bah humbug.

    While most people see Christmas as a joyful period there are many who see it as a time of financial worry as they cannot af
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 03:47:20 -0700)
    Avoiding Loan Penalties
    Have you ever been late on a loan repayment? It seems that just at the time that you need it least, banks and other lenders slap hefty charges on your account. This is the last thing you need, especially when you’re finding it difficult to keep up with your repayments. It’s like a spiral, you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 03:48:52 -0700)
    Choose A Better Balance Transfer Card
    If you are currently experiencing problems making repayment of your credit card debt, then the time has come to consider switching your credit card account to a 0% account. However, if you make the wrong choice, you could end up in the situation where you actually pay more to the credit card com
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 07:44:07 -0700)
    A Basic Guide To Home Contents Insurance
    Basically, home contents insurance is insurance protection against the replacement cost that you would otherwise have to pay to replace the contents of your home in the event of then being lost, damaged or stolen. As is the case with home buildings insurance, the main factors contributing to ground
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 08:33:51 -0700)
    Say Hello To Those 0 Credit Card Deals
    Getting the best deal on a credit card is not always about jumping from one 0% APR card to another and getting a bad name for you. As you will because the credit card companies are getting wise to this and are beginning to refuse serial jumpers their credit card application. This though is not a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 10 Nov 2005 14:47:01 -0700)
    Digital Surety Bonds
    Electronic bonding is the way of the future for the surety bond industry. Filing a surety bond electronically will allow agencies to issue a bond and the principals to obtain their bond in a shorter period of time. However, I think the use and integration of such a system is still a long ways off.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 01:32:23 -0700)
    What Makes A Business Worth Investing In?
    You have always been interested in investing in a business, however you always hold back because you are scared of making a bad choice and losing your investment. However, there are some ways to evaluate businesses to reduce the risk you are taking when you invest. Of course, risk is never eliminate
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 01:34:58 -0700)
    Say Hello To Those 0% Credit Card Deals!
    Getting the best deal on a credit card is not always about jumping from one 0% APR card to another and getting a bad name for you. As you will because the credit card companies are getting wise to this and are beginning to refuse serial jumpers their credit card application.

    This though is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 01:39:43 -0700)
    Protecting Your Health With Private Medical Insurance
    We scrimp and save over the latest designer wear, even the hottest cars or fancy jewelry but only a handful of people have actually thought about protecting their financial future with private medical insurance. This beauty behind having a private medical insurance is that it enable you to live your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 01:54:45 -0700)
    Debt - Strategically Pay It Back
    When paying back debt, a little strategy goes a long way. It can literally save you hundreds, even thousands of dollars in interest charges. And the best part is that the best, most effective strategy is so easy to follow.

    List Your Debt
    Make a list of all your debt: The amount of eac
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 02:15:45 -0700)
    15 Ways Average Person Can Overcome Increasing And Overwhelming Debt
    Before sharing these recommendations, I suggest that you have a way of tracking your expenses. This will give you a clear picture of what you spend daily, weekly and/or monthly and aid you in reducing expenses where needed.

    1) Accept the fact you are in debt and forgive yourself. If you ar
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 02:32:49 -0700)
    Why This Lawyer Says You Should Buy Car Insurance From An Independent Broker
    I don't sell car insurance, but as a lawyer practicing in the field of personal injury I frequently see people suffer because they have the wrong insurance coverage. Often, this happens because they purchased directly from an insurance company instead of an independent broker.

    Many of my c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 11 Nov 2005 04:34:41 -0700)
    The Facts About Second Mortgages
    Your home: It's probably your biggest asset. Having a home to back you up when you need a loan is one of the greatest advantages of home ownership. In recent years, there has been a major increase in the amount of people looking to use their homes as a way to get access to extra money when th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 12 Nov 2005 02:44:32 -0700)
    Cash Back And Rewards Credit Cards: Offers You Can’t Refuse
    The competition to get your credit card business has heated up so extensively that banks are literally paying you to take a credit card from them. Nearly every major issuing bank now offers a credit card that gives you bonuses for using their card. Consider the following offers you can find today on
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 12 Nov 2005 04:12:22 -0700)
    Business Loans - 7 Reasons Not To Use A Bank
    So you're a small business owner and you need a business loan to further the objectives of your company. Where do you turn?

    When it comes to a business loan or commercial real estate loan, there are many good reasons NOT to turn to a traditional bank. Here are some of the most important re
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 01:00:38 -0700)
    How To Avoid Bankruptcy & Get Out Of Debt Faster Using Debt Negotiation!
    Has credit card debt got you thinking about bankruptcy?

    You’re not the only one these days. Even with the new bankruptcy laws, credit card debt continues to climb. Unfortunately for most of us, our paychecks don’t climb as quickly.

    If you’re on the verge of bankruptcy, y
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 01:15:29 -0700)
    What's The Fuzz About E-Currency Trading
    You keep hearing about this money making system that requires no selling, only an hour a day (max) and no special skill.

    Yeah right.

    At least that's the first impression for someone who has been in the internet for a while.

    Enter E-Currency Trading.

    What if yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 02:21:11 -0700)
    Checks And Balances
    Checks are basically written for the transfer of funds from the account of a check holder in a bank or any other depository institution. The purpose of checks is similar to that of money, easing transactions.

    One needs to keep in mind certain things to avoid problems on a later date. Take
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 02:39:01 -0700)
    Understanding The Money Market
    The money market is one of the safest financial markets available. It is commonly used by large corporations, financial institutions and governments to secure their money resources for a short period of time. They are often compared to the bond. They are secure investments that are specialized. The
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 08:24:22 -0700)
    Credit Card Stoozing – Time To Stop Snoozing
    Lets stop snoozing and start “stoozing” Do not think that we are trying to get you involved in any criminal activities here, we’re not and the whole process is legal and above board and will give you the chance to get one over on the credit card companies, who have been relieving us of our cash
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 08:26:02 -0700)
    Credit Card Stoozing Time To Stop Snoozing
    Lets stop snoozing and start “stoozing” Do not think that we are trying to get you involved in any criminal activities here, we’re not and the whole process is legal and above board and will give you the chance to get one over on the credit card companies, who have been relieving us of our cash
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 14 Nov 2005 08:27:32 -0700)
    Use Your Credit Card To Have A Merry Christmas
    We are getting to this time of year again, when your credit card is used a lot more than at any other time of the year. So much so that if it is not the credit card that is screaming for mercy then you will be when that first credit card statement after the festivities, falls on the doormat.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 00:35:20 -0700)
    Eight Rules For ETF Success
    Managing a global portfolio of exchange-traded funds (ETFs) is a great way to build a diversified portfolio with exposure to equities around the globe. Fortunately, you need not be a rocket scientist to do this, but many investors fail to observe some basic guidelines, and it can get them into real
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 00:52:29 -0700)
    Credit Card Stoozing – Time To Stop Snoozing
    Lets stop snoozing and start “stoozing”

    Do not think that we are trying to get you involved in any criminal activities here, we’re not and the whole process is legal and above board and will give you the chance to get one over on the credit card companies, who have been relieving us of our
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 00:53:52 -0700)
    Use Your Credit Card To Have A Merry Christmas
    We are getting to this time of year again, when your credit card is used a lot more than at any other time of the year. So much so that if it is not the credit card that is screaming for mercy then you will be when that first credit card statement after the festivities, falls on the doormat.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 02:14:05 -0700)
    The Tales Of The 0% APR Credit Card
    People used to think that they had enough on their benefits with their credit cards. They thought that the rewards they get and the low interest they have is already enough to last a lifetime.

    However, there are instances when they get to have the chance of seeing promotions like 0% APR. N
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 02:14:50 -0700)
    Online Credit Card Application: The Easiest Way To A Customer’s Heart
    Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 02:20:21 -0700)
    Cash It Back With Credit Cards
    What is a cash back credit card?

    A cash back credit card gives annual rebates or gives back money to the card holder based on how much have been purchased with it. This type of credit card is suitable for those who rarely use cash in their transactions. The rebate is computed as a percenta
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 09:30:15 -0700)
    Using Your Credit Card While On Vacation
    Aiming to save money on our credit cards should be something that we all should be doing. This can be done by switching your credit card to one that has a 0% interest free offer on balance transfers and purchases, or simply playing a credit card game such as “stoozing”. The term stoozing is used to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 15 Nov 2005 13:52:26 -0700)
    What Would Jesus Invest In?
    According to the bible, we already know how Jesus felt about moneychangers in a house of worship but what investments would Jesus possibly deem acceptable and suitable in today's society? Residential Real Estate A residential dwelling is a good place for a family to live in and a good thing fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 01:18:22 -0700)
    Life Insurance – Medical History Increases The Cost For 66% Of Applicants
    Lucky applicants for life insurance can be insured within 48 hours and at the premium quoted - but 2 in 3 applicants are faced with delays plus the prospect of having their premium loaded.

    So who are the lucky ones? Basically, you’ll have to be as fit as a flea with no family history of se
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 02:08:24 -0700)
    Using Your Credit Card While On Vacation
    Aiming to save money on our credit cards should be something that we all should be doing. This can be done by switching your credit card to one that has a 0% interest free offer on balance transfers and purchases, or simply playing a credit card game such as “stoozing”. The term stoozing is used to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 02:40:17 -0700)
    Consolidation Loan Student Programs: Bringing Your Dept Under Control
    If you are like many students and recent graduates, you very well have amassed a great deal of student loan debt. In this regard, you may be looking for ways in which you can bring your outstanding student loan balance under control. You might want to consider the various consolidation loan student
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 21:34:41 -0700)
    Get Out Of Debt With These Budget Building Secrets
    Many people dread the task of building a budget because they view it as overwhelming and frustrating. But it will make the job easier if you look at it in another way; the only way to financial freedom. Do you feel as though there is no way to get out of the red and into the black, much less plan ah
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 21:38:12 -0700)
    Can Credit Counseling Really Help?
    If you have high debt, and are in trouble, you have probably heard the term “credit counseling,” but do you understand what it is? Oftentimes this term is used in the same sentence as debt negotiation or debt settlement, but actually, it’s a completely different process. With credit counseling, you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 21:42:30 -0700)
    The Easy Way To Build A Great Credit Report
    The most important thing you can do when building credit is to always pay your bills on time and to never borrow more than you can afford to pay back. It sounds silly for me to say, but unfortunately people do this every day. Credit is enticing and it very easy to get in over your head. Beware becau
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 21:51:56 -0700)
    Credit Fraud Secrets Thieves Don't Want You To Know
    Have you ever been a victim of credit card fraud? If so, you know just how traumatic it can be. What’s more, if you don't detected it early enough, it could leave bad marks on your credit report that could haunt you for many years. The most commonly thought of credit card fraud is when your wallet o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 16 Nov 2005 22:15:40 -0700)
    Of Stocks, Stockholders And Stock Market
    A copper mining enterprise Stora Kopparberg first introduced the system of stock in the 13th century. The financial backers and owners felt the need to raise money for investment in the new projects of the same company so they started the method of stock and shares. It was also required in order to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 00:30:12 -0700)
    Using The “Autograph” To Get Cheap Motor Insurance
    What if your motor insurance provider told you that you could get up to 25 percent discounted from your next car insurance policy simply by showing them that you were a safe driver? It would sound obvious won’t it - after all, basically, isn’t that what a no claims bonus is all about? Well, you can
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 00:32:01 -0700)
    Why You Should Have A Credit Card In Your Own Name
    If you have ever been asked by your wife, husband, child or friend to have someone else as an authorised signatory to you, i.e. a supplemental signatory, on your credit card account you no doubt gave this some serious thought. If you agreed to the request, the following are some reason why you shoul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 00:37:13 -0700)
    Finding The Cheapest Loans
    If there’s one thing it’s always worth doing, it’s shopping around for best deal. This is generally true for all purchases you’re going to make, but one place it’s more important than most is with loans. Many people don’t think about it too much, but loans are for many people, the single biggest fin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 00:39:32 -0700)
    Loans For Unemployed
    It is one of life’s small cruelties that the times when you need credit most badly, are also the times when lenders are least willing to give it to you. When you are finding it hard to meet your obligations, your car payments are behind, your credit cards are all fully loaded, and you’re barely meet
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:02:28 -0700)
    Buying Into Japanese And German Exporters
    With the euro down nearly 15% this year and at a two-year low against the U.S. dollar, the world’s largest exporting nation is worth a good look. So is another country that has thriving exports in spite of a stronger currency. We’re talking about Japan and Germany, respectively, the world’s second-
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:27:32 -0700)
    The Bad Credit Card That May Do Good.
    Millions of people use credit cards all around the world. A huge chunk of those users made mistakes when dealing with their credit cards. The consequence of the errors is costly.

    A lot end up in debt and most of the time these are the people who rant about the credit card being the devil.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:27:44 -0700)
    Options For The Best Credit Card
    Consumers who want to maximize their options on a credit card should first find out all the terms and related costs associated with a particular card. For those who feel that the best credit card is one that is low-rate and no-frills, they should determine if the card has annual charges, as no-frill
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:33:12 -0700)
    Know How To Get The Best Credit Card Deal
    Getting your own credit card is not as easy as you may think. Applying for a credit card account needs a lot of thinking.

    Before marching down to your credit card agent, ask yourself some questions like do you want to pay for the credit every month or carry a balance instead? The type of c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:35:54 -0700)
    The Best Credit Card Reward: For Those Who Had Been Naughty And Nice
    Think about it. If people would normally pay all their credit card balances in time, then what is the purpose of interest rates?

    None.

    And how will people get the benefits that their credit card company claims? It is through the credit card rewards.

    These are freebies or
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 01:43:59 -0700)
    Reap More, Save More With The Best UK Credit Card
    In the United Kingdom, the credit card phenomenon is not at all different from what the United States or any other country has for that matter. This just goes to show that a lot of people are finding credit cards as feasible means as well.

    However, most people in UK would rather obtain the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 15:50:58 -0700)
    Euro Real Estate To Fall In 2006
    Some areas of Europe popular with second home buyers could see property prices fall by ten per cent or more in the year ahead, according to overseas property specialists Tribune Properties. 2005 saw the first signs of a property slow down, and even the reverse of sharp gains in holiday home price
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 17 Nov 2005 17:40:15 -0700)
    When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet. He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming projec
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 02:00:43 -0700)
    7 Ways To Protect And Improve Your Credit Rating
    Your credit score accounts for the amount of interest you have to pay for a loan or a credit card. Increasing your score in just a few points will make a big difference in the interest rate you will pay for a purchase. If your credit score is high enough, you’ll have no problem qualifying for a lend
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 02:13:35 -0700)
    Insurance And Ethics
    Insurance contracts are often seen as a form of gambling. That is because they appear as a type of wager that takes place over the lifetime of the policy. Basically the insurance company is willing to bet that you and your property will not suffer the loss insured against. In exchange for making thi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 02:21:22 -0700)
    Chase.com Credit Card: An New Breed Of Cashless Shopping
    When people started using plastics as their primary source of financial disbursements when shopping, they did not yet realize its greatest potential until today.

    It is only now that consumers learned how to treat credit cards with utmost care and concern as these could be one way to their
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 02:24:54 -0700)
    10 Cons Of An International Credit Card
    Credit card fraud is a fast increasing crime in the world. International Credit Card holders are mostly the victims of this unauthorized access to their accounts. Let’s take a closer look of the problems faced by international credit cards.

    1. Repetitive use of credit card numbers. After a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 02:52:47 -0700)
    Debt Management Plans – A Way To Survive The Debt And Come On Top
    Debt Management Plans

    Debt Management Plans (DMP) is placed one step beyond credit counseling and a stone's throw short of bankruptcy. If you are too deep into debt and unable to pay them, a credit counseling agency may recommend Debt Management Plans. This is a serious step that sho
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 18 Nov 2005 15:10:44 -0700)
    A Crash Course On Credit Scores
    You sit down to look at your credit report for the first time. If you’re scores are above 720, congratulations! You have excellent credit; stop worrying. If you’re scores are not above 700, no problem—a journey of thousand steps begins with the first one. Take solace in the fact that the national av
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 03:05:07 -0700)
    How Do You Know If Your Credit Card Agent Is The Best?
    Since you are the customer, there must be a glut of credit card agents constantly hounding you day-in, day-out. They may try to cram all their pitches in hour long phone call marathons or minute long infomercials and may run the gamut of personalities from friendly to annoying, smart to eccentric. B
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 03:08:22 -0700)
    Consolidate, Before It's Too Late.
    Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in 1950.

    It gave consumers limited credit that, at times, even surpassed their own personal savings. It allowed them to buy items they cannot usually afford with a straight cash purc
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 03:13:16 -0700)
    Credit Card Debt Management
    Credit cards that are used in moderation could be helpful in managing your finances. This means that splurging through the use of credit cards is almost financial suicide.

    Here are few tips to manage the way you use your credit card to prevent you from acquiring debts that could lead to yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 18:16:29 -0700)
    Beating Debt with a Stick
    Debt is a Product in America The #1 sickness in America concerning finances right now is debt. Debt is a product in our culture and it is vigorously aimed at you and me everyday, everywhere. As a society, we borrow more money than
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 18:56:35 -0700)
    TEN BENEFITS OF OWNING A CONDO HOTEL
    Why the Latest Trend in Vacation Home Ownership Has Appeal You may have heard about the latest trend in vacation homes – condo hotels. Suddenly, consumers have the ability to own a second home in a wonderful destination without any of the hassles of ownership. To see why the condo hotel concept
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 19:01:58 -0700)
    CONDO HOTELS, EIGHT QUESTIONS YOU SHOULD ASK BEFORE BUYING
    Condo hotels have been getting a lot of press lately. Often touted as vacation homes/investments, they offer an interesting alternative to timeshares and other second homes. Essentially, they are condominiums located in four- and five-star hotels in cities like Miami, Orlando, Las Vegas and Ch
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 19 Nov 2005 21:35:00 -0700)
    “How To” Start Trading The Forex Market? (part 3)
    10 REASONS TO START TRADING FOREX!

    More and more well informed investor and entrepreneurs are diversifying their traditional investments like stocks, bonds & commodities with foreign currency because of the following reasons:

    1) FOREX is the largest financial market in th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 20 Nov 2005 21:07:43 -0700)
    3 Ways To Get Your Free Annual Credit Report
    Yes, you can now get your credit report without paying a dime. And unlike before, now it is truly free. No longer do you have to sign up for a "free" credit report by signing up for "credit monitoring protection service" for a low annual fee of $79 a year! The days of dodging the annoying charges an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 00:31:04 -0700)
    Investors Chasing Uranium Mining Stocks, Again: A Favorite Emerges
    Fifty years ago, uranium fever hit Wall Street. It was then just a few years after a Navajo shepherd in New Mexico, by the name of Paddy Martinez, discovered “yellow rocks” on his property, mistaking them at first for gold. An avalanche of 1950s dollars (more valuable than the ones we have today) po
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 04:19:48 -0700)
    Balance Transfer Credit Cards How Good Are They
    Are you looking for ways to save yourself money? If the answer is yes then read on as I have the answer to your prayers, by changing your credit card to one that offers a balance transfer deal. The credit card companies are looking for your business, so there has never been a better time to check
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 04:21:45 -0700)
    Getting A Better Interest Rate Is Not So Hard
    If you are unhappy with the interest rate you currently receive for your credit then there are a number of steps you may wish to consider taking in order to get yourself better rates and more favourable terms. These include: · Ensuring that you credit report is accurate and up to date · Requesti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 05:38:48 -0700)
    Benefits Of Getting Universal Life Insurance Quotes
    What is Universal Life Insurance?

    “Universal” is the term used for life insurance that offers built in flexibility to change your premiums and the amount of life insurance you carry throughout the life of the policy. A universal life insurance policy will accumulate value as the prem
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 08:23:20 -0700)
    Identity Theft: It Won't Happen To Me.
    "I got bad credit, I'm not worried" "It happened to a friend of a friend" "I've got other priorities now" "All it takes is guarding your Social Security number" "I can trust the people around me" These quotes are all too common regarding identity theft. The problem is the Federal Trade Comm
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 21 Nov 2005 11:20:33 -0700)
    Life Insurance and Life Assurance are not the same!
    The average man in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don't hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance perform different financial roles and are pole
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 03:21:10 -0700)
    Prevent Identity Theft
    Identity theft is fast becoming the major way in which criminals are stealing your money. They are not only stealing your money but they are stealing your identity, using your personal details to gain access to your credit and open up new accounts in your name redirecting the mail to a new address.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 03:21:30 -0700)
    Car Insurance - How Can You Lower Your Premiums?
    Many factors influence the premium for your Motor insurance policy. Your insurer will have asked you many questions whilst producing your quote - some of which will affect your premium and some will not. Below we discuss the key variables that are within the policyholder's control.

    Consolid
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 03:22:01 -0700)
    Life Insurance And The Law. A Layman's Introduction.
    There are no laws in the UK that require a person to have life insurance. It’s an entirely voluntary insurance. About 40% of the UK's working population are covered by life insurance either through their own policy or via an arrangement through their employer.

    So the simple things first. Y
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 03:28:47 -0700)
    Life Insurance And Life Assurance Are Not The Same!
    The average man in the street assumes that Life Insurance and Life Assurance are names for the same form of insurance. How wrong they are! But don't hang your head in shame, many financial commentators get it wrong too! Life Insurance and Life Assurance perform different financial roles and are pole
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 07:54:51 -0700)
    Getting A Better Interest Rate Is Not So Hard
    If you are unhappy with the interest rate you currently receive for your credit then there are a number of steps you may wish to consider taking in order to get yourself better rates and more favourable terms. These include:

    · Ensuring that you credit report is accurate and up to date
    ·
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 22 Nov 2005 21:12:25 -0700)
    Balance Transfer Credit Cards – How Good Are They?
    Are you looking for ways to save yourself money? If the answer is yes then read on as I have the answer to your prayers, by changing your credit card to one that offers a balance transfer deal.

    The credit card companies are looking for your business, so there has never been a better time to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:17:14 -0700)
    On Credit Card Instant Approval
    Credit card applications nowadays have begun to provide clients with an instant approval feature. Meaning, the person applying for a credit card would easily know whether he or she is eligible for applying. This process of instant approval is basically used online or through the internet.

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:20:43 -0700)
    Swipe Age: What Is A Credit Card Machine?
    Credit card machines nowadays come in various types and prices. The kind of business a merchant is venturing on determines the kind of credit card machine that he or she is going to use.

    If a transaction should be typed in the machine for it to be validated, a machine without a printer woul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:23:57 -0700)
    Get A Credit Card With A Low Interest Rate
    Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:24:53 -0700)
    What Is A Credit Card Merchant Account: The Most Important Element Businesses Have To Know
    With the proliferation of the Internet technology, everything revolves in a fast digital world of information technology, and credit cards had continuously dominated the scene with tremendous rate.

    Today, credit cards had already brought shopping online. The convenience it brings to the peo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:27:07 -0700)
    Loan Payment Protection Insurance – Worth The Cost?
    Nowadays, every time you apply for a loan you will most likely be offered payment protection insurance. If you are taking out a particularly large loan, the idea may seem very attractive. These insurance policies will take over repayments on your loans in the event of losing your job or being involv
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:29:14 -0700)
    Credit Card Services And Why We Need Those Little Cards
    Practically everyone in the United States has credit cards. From teenagers to retirees, almost everyone has at least one credit card. Everywhere we go we see ads - in the television, radio, newspapers, billboard advertisements - on credit cards. Some credit cards are even mailed directly to our home
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 01:57:37 -0700)
    Closing Your Credit Card Account
    It is one of the most frustrating feelings in the world. You’re trying to rid yourself of your debts. You’re putting more and more of your paycheck towards your credit cards. You’re gradually paying them off. Finally, the day arrives when you clear the entire outstanding balance. The card is finally
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 09:50:08 -0700)
    5 tips about Debt consolidation
    Debt consolidation is a way to financial freedom, having a positive impact on the credit rating. Credit rating, quality of living, and the impact on the family, are affected when creditors harass for payment and the payment made causes the balance to rise instead of decrease. Due to continued inte
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 09:51:21 -0700)
    First things to know in Debt settlement
    If you're considering using a debt settlement or debt consolidation service to help you get out of debt quicker and lower your monthly payments, be sure to do your homework before choosing a debt settlement company. The first thing you should know is that debt settlement, debt negotiation and deb
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 09:51:57 -0700)
    Things good to be known about Debt relief
    Debt relief is available to you the consumer, so you shouldn’t worry about getting out of debt anymore. Although financial problems can be very overwhelming, there are debt relief solutions for you. You might be doing a lot of analyzing and asking yourself where things went wrong, but don't beat y
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 09:52:42 -0700)
    Credit management - The way to the Top
    Debt relief is available to you the consumer, so you shouldn’t worry about getting out of debt anymore. Although financial problems can be very overwhelming, there are debt relief solutions for you. You might be doing a lot of analyzing and asking yourself where things went wrong, but don't beat you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 09:53:11 -0700)
    Debt reduction - The perfect guide
    Many people may say that the process of debt reduction is common sense and obviously, the best way to handle your finances is to pay with cash. Just because you have incurred debt, doesn't necessarily imply that you've mismanaged your entire financial life. Once you suspect that your debt is s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 23 Nov 2005 21:38:37 -0700)
    Fantasy Credit Report
    Your Credit Report (the Boring Part) Your online credit report is a collection of files and records pertaining to your credit history. It is often referenced for hiring, renting, mortgages, loans, background checks and many other situations which may require an involvement of a larger sum of your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 24 Nov 2005 02:29:39 -0700)
    The Key To Protecting Your Money
    Have you ever experienced a major paradigm shift? You know, the kind where you think you already know something about something...

    But suddenly, you learn something new about that 'something' that changes your whole perspective and outlook on the topic. If so, then you know exactly what I'
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 24 Nov 2005 02:33:19 -0700)
    Reverse Mortgage: A Dignified Way For Retirees To Supplement Income And Take Care Of Expenses
    For many Americans reaching the retirement age, the equity build up in their home is their only real asset. Reverse mortgage is a way to tap into this asset and create a stream of income needed for retirement or take care of an unexpected financial need that is usually related to health care costs i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 24 Nov 2005 05:06:01 -0700)
    Be Smart With Your Credit Card
    We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one wa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 24 Nov 2005 11:52:51 -0700)
    Smart and easy steps to debt free life
    Being in debts is not a crime. This is what all consumers should keep in mind before they start taking loans and credits. But the fact remains that most debtors take loans often going beyond their affordability and fail to make the payments. What is required is a little awareness on debt related iss
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 02:50:34 -0700)
    Magnificent Kinkakuji
    Last week during his tour of Kyoto Japan, President Bush visited the Golden Pavilion (Kinkakuji) and described it as “magnificent”. He was probably referring to the 1398 Japanese architecture but may just as well have been referring to gold prices which are at an 18-year high. Gold has been a magnif
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 03:01:11 -0700)
    The Best Ways To Build Credit: How Credit Cards Can Help
    If you have not yet established a credit record for yourself or you are in the process of rebuilding your credit, getting a credit card can greatly help you. The fact is, credit cards are one of the best ways to build a credit history and increase your credit worthiness.

    If you wonderi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 03:01:40 -0700)
    Debt Consolidation – Is Your Future Bright?
    Most people have taken out plenty of loans and other forms of credit, from various sources over the years. These could include student loans, credit cards, store cards, a bank overdraft, car loan, goods bought on a buy now pay later basis. All of these sources of credit will have different terms dep
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 03:13:45 -0700)
    Financing With A Home Equity Loan
    If you have good credit, a homeowner, your mortgage is paid on time every month and you are thinking about borrowing money, the home equity route may be the way to go. What this allows is suppose your home is worth substantially more than your current mortgage, for example, your mortgage is for £100
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 03:18:12 -0700)
    Loan Insurance – Worth The Extra Cost?
    There are many factors, out of your control that can make you unable to repay your loans. You might become sick or get involved in an accident that takes you out of work for an extended period of time. Maybe your employer has to cut back and make wage decreases or lay-offs. If you are working for yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 25 Nov 2005 08:56:13 -0700)
    Debt Reduction
    If you feel like you are swimming in a sea of credit card debt, you are not alone. This fact probably will not make you feelany better, but the fact that you have lots of company means that there are a variety of debt reduction strategies and debt consolidation services you can use to get back on so
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 00:10:05 -0700)
    Home Loans – A Basic Introduction
    The most popular method of financing a home purchase is with a mortgage. This is a loan that is secured over the home.

    There are a number of different mortgage suppliers and you will have to shop around in order to get the best deal. Given that your home is probably the single biggest purch
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 02:52:09 -0700)
    10 Easy Tips To Save Money On Your Home Heating Bills
    With energy costs higher than they have ever been in recent history, it pays to find ways to reduce your home heating costs. I put together some tips that are easy, cost effective and will all add up to reduce your home heating bills by a significant amount! You don’t need to be Bob Villa either. So
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 02:55:33 -0700)
    Be Smart With Your Credit Card
    We all wish that our credit cards were interest free all the time. How much pleasure would it be to know that what you spend is what you pay back and there would be no interest to pay. What is happening is the credit card companies are fighting it out to see who can get the most customers and one wa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 03:34:22 -0700)
    Home Insurance And Hurricane Preparations
    The violent winds, rains and storm damage from hurricanes can devastate communities and cause billions of dollars worth of destruction. The losses from hurricanes this year alone have surpassed that from almost any other natural disaster in years. The risk to your home and possessions can be enormou
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 03:38:11 -0700)
    Advantages Of Switching Credit Cards
    Switching credit cards is an everyday part of life now whether it is taking advantage of the introductory offers or simply deciding that your existing credit card account is old hand and you are looking for a newer better credit card deal than you have already. If you choose your new credit card wis
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 26 Nov 2005 17:54:43 -0700)
    Credit Card Debt Settlement
    Have you started receiving credit card debt settlement notices in the mail? Have you been receiving collection calls? If this is the case, you have probably been in debt and been dealing with financial difficulties for quite some time. Creditors are sometimes willing to settle the account for a l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 01:17:45 -0700)
    Would You Like To Save Big Money On Your Auto Insurance And Reduce Your Risk Of Auto Theft?
    With the rising price of gas, skyrocketing health care costs, etc... Americans are feeling the economic crunch. Lets put some money back in your pocket right now and lets take a bite out of auto theft.

    The best part is

    (1) You don’t have to switch insurance carriers.

    (2) L
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 03:32:01 -0700)
    Credit Card Debt
    If you can't sleep at night because of credit card debt worries, you're not alone. Many people get in over their heads charging things they think they can't live without.

    You don't need to cut up all of your credit cards. Save your major bank cards, but stop charging needless temptations on
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 04:17:11 -0700)
    Credit Scores: Don't Waste Your Money
    Did you know that your credit score that you purchase online is not the same credit score your loan officer gets?

    You probably know that when you apply for a mortgage, your loan officer gets all three credit reporting agencies reports with three different scores. From your three cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 05:20:59 -0700)
    Refinancing Your Loan
    Refinancing your home or property is a big decision that could drastically affect your financial future, for the good or the bad, depending on how smart you go about the process. Take the time to explore all of the different refinancing options you have available to you. Many loan agents offer you r
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 05:22:22 -0700)
    Remodeling A Bathroom
    So you've decided that it's time to update your bathroom. Whether you're planning to sell your home or you've simply decided your family needs a more updated space, there are a few important decisions you should make before you start.

    First of all, consider what needs to go (no pun intended
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 05:39:39 -0700)
    Do you speak currency trading?
    Travelling is the best recreation one can enjoy. You learn and have fun at the same time. Travel doesn’t only happen at a geographical level, but at a psychological level also, like mind travel. Any book (or the Internet) can transport a person miles and miles away in space, time and dimension. Many
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 06:29:29 -0700)
    Credit Card Debt: How To Deal With It
    Do you have a hard time paying your credit card bills? Starting to get notices from waiting creditors to pay? Worried that you might lose your properties like your house because of credit debt? Chin up: Dealing with credit card debt is not as hard as you may think.

    If there's any consolati
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 06:31:39 -0700)
    How To Do A Credit Card Debt Consolidation.
    Credit card debt consolidation allows you to pay your current debts in 3-6 years. Under a debt consolidation plan, terms and conditions change. The purpose of debt consolidation is to speed up your paying time and at the same time makes lower monthly bills.

    Always make sure that the new cos
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 06:47:17 -0700)
    Auto Insurance – Which Type Is Right For You?
    Auto insurance is a form of insurance available to consumers who own cars, trucks and other vehicles. It covers the insured party against the risks involved in owning or driving a vehicle. This may be a car accident, damage caused to other cars or property, loss to passengers in your car, and damage
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 07:07:19 -0700)
    How Do You Accept Credit Card: Let Me Count The Ways
    Nowadays, everything seems to revolve around plastics. That is, more and more people are finding credit cards as the most convenient way to shopping, whether it is online or not.

    Hence, with the arrival of credit cards in the market today, most businesses have found its feasible ways when
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 07:08:20 -0700)
    How Credit Card Points Are Earned
    Credit card companies offer varying benefits and promotions to entice their customers to use their credit cards not only in their everyday purchases but also for major buying decisions.

    One of the promotions that credit card companies have is the rewarding of points to their users for ever
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 07:42:38 -0700)
    How To Get A Higher Credit Card Limit
    Almost all credit card holders are aspiring for a higher credit card limit. This is because a higher credit card limit will enable them to make otherwise unaffordable purchases. Credit card holders need to remember that to get a higher credit card limit; they must abide by the terms and conditions o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 07:53:28 -0700)
    The Best Advice Ever About Money
    Wanna know the best advice ever you can get about money?

    Here it is...

    Let's say that you are getting regular monthly salary from work and you are happy with it. Now, at the end of the month (and most of the time, two days after you get your paychecks), you wonder where all your mo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 07:55:45 -0700)
    Criticism Of Insurance
    Insurance policies work by taking premiums from customers in exchange for baring the risk of certain costly events occurring. For example, if there is one fire in your town each month, everyone could just sit tight and hope their house doesn’t burn down next, or everyone could pitch in and pay an in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 08:07:27 -0700)
    How To Avail Of Credit Card Point Redemption
    I have a friend who’s a frequent traveler who’s most of the time always out of the United States. While he’s always traveling, his purchases done in other countries are done over his credit cards. He prefers using his frequent traveler credit card in buying his plane tickets as these that allow him
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 08:23:11 -0700)
    What's The Best Credit Card For Me?
    So, you have decided you need a credit card. However, you must remember that not all credit cards are created equally. Your friend's credit card doesn't mean that it is also the best for you. Before going to this bank and get its credit card, you must consider the several factors that you should tak
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 08:26:52 -0700)
    How To Apply For A Credit Card Online
    The average American mailbox gets sales pitches from credit card companies at about two a day. With this overload of information, choosing the best product that fits your needs can get pretty overwhelming. The sheer number of brochures and application forms not only make it inconvenient to make an i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 22:26:02 -0700)
    How To Avoid Credit Card Pitfalls?
    Seeing people buying food or shopping clothes using credit cards has been commonplace these days. The phrase "Charge it!" has become a favorite expression of card users, and has been commonly heard in shops, dining places, and elsewhere.

    After all, who does not want to use these credit car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:13:10 -0700)
    Settle Smart: How To Do Credit Card Payment
    The first step in doing a credit card payment is to understand your monthly billing. The following are terms you will encounter:

    Statement date – The date that the bill was printed.

    Payment due date – this is the day that the cardholder must pay any outstanding balance. Payments m
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:13:49 -0700)
    Getting A Run For Your Money: How Do You Consolidate Credit Card Debt
    Spending is such a hard habit to break, especially when people use their credit cards. Once they get addicted, they continuously endure the agony of spending in spite of imminent problems that tag behind.

    And when things eventually get out of hand, most people will soon realize that they a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:24:07 -0700)
    Things To Know About Mastercard
    Credit card is known today as the plastic money. But it stretches the limit of a typical paper money. Credit cards increase the buying power of a consumer because of what is known as the credit limit. Payments are made easier because you don’t have to make stops to the billing centers. What’s best i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:36:55 -0700)
    Best Strategies For Online Approval Of Credit Card Application
    Credit cards had been a popular form of purchasing items on a "chargeable" or borrowed term.

    The advantages of having a credit card are:

    1. Security, since one does not have to carry a large amount of cash to purchase certain items.

    2. Convenience. In case one has to purc
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:37:22 -0700)
    Perks Of Citibank Credit Card
    Citibank credit cards offer a wide range of benefits. Basically, all of it features offer clients with security during emergencies, the advantage of not bringing cash and checks, and improving independence and responsibility in financial management.

    Other than these basic perks of credit ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 27 Nov 2005 23:48:22 -0700)
    The War On Low Apr Credit
    The interest rate is definitely a key factor consumers consider before signing up for a credit card. This is especially true for those carrying balances, as a card with low rates will generate significant savings. Thus, MasterCard, Visa and other leading credit card groups are now competing in terms
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 28 Nov 2005 21:35:59 -0700)
    Cars and Credit Reports
    The Problem I was driving home from the store the other night when I noticed a license plate that made me laugh to myself and then I proceeded to feel sorry for the poor sap driving. The plate read "0 DOWN". It was a white, shin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 29 Nov 2005 01:01:40 -0700)
    I'm A Credit Card Deadbeat: You Can Be One Too!
    I am delighted to say that I am a credit card deadbeat! In fact, some of you might already be credit card deadbeats too, if so, I commend you for your excellent work! Now, as for those who don’t know what a credit card deadbeat is, before you start thinking I have a screw loose, you may want to cont
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 29 Nov 2005 06:46:37 -0700)
    Saving money on auto insurance
    Auto insurance can dig deep holes in your pockets and you can save substantial amounts of money each year by choosing the right auto insurance. Taking the time to check out different car insurance companies and comparing their quotes can be a very good investment. You can often save several hundred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 29 Nov 2005 09:45:19 -0700)
    Work At Home Moms - Save Money This Holiday Season
    As the holidays approach, many work at home moms begin feeling a sense of dread --

    * How will we afford gifts?

    * Will I start the new year even further in debt?

    Saving money is the same as making money, in my opinion. Either way, you'll have more money in your bank acco
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:36:30 -0700)
    Choosing The Best Credit Cards For You
    The best credit cards for you are those tailored to your individual financial needs and objectives with low interest rates and, of course, those for which you will be approved. To find out what you’re looking for, answer the following questions:

    1. Do you anticipate any large purchases in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:38:27 -0700)
    Change Your Thinking And Get Richer
    Imagine two situations; 1) finding £1000, that is yours to keep with no strings attached and 2) earning £1000 through hard-work.

    I'm curious - is there any difference between the value of them? Do you consider one to be worth more than the other? Is there any difference in how you would sp
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:48:01 -0700)
    Travel Rewards From Using Your Credit Card
    Responsible use of your credit card allows flexibility and leverage as it helps people manage their money. By using the principle of interest rates in credit, it allows large and expensive purchases like buying furniture and appliances. Payment for these large purchases can be extended over a specif
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:52:55 -0700)
    Learning More About Visa Credit Card
    Today when everything is just a click away, owning a credit card or two is nothing knew. Plastic cards have replaced paper money. Why it’s very convenient! You don’t have to worry about running out of cash every time you go shopping. Spending time counting pennies or loose change is no longer a prob
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:56:21 -0700)
    Credit Card Interest Rates 101
    So you just opened an envelope that contained a shiny piece of plastic with your name on it. Awesome … a bank or financial institution just gave you a line of credit! Before you start joyously swiping it on just about any cash register, take the time to read this article to understand the credit car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 01:56:50 -0700)
    What Are Credit Card Rates?
    Credit card rates have always been an issue in applying for a credit card. These rates are what everyone should know before choosing a credit company from another. Shopping around for the best rates will give you the best deal.

    For you to own a credit card, you should first know what are c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 02:21:11 -0700)
    Factoring Can Be An Ideal Solution For Start-Up And/Or Growing Businesses
    Factoring is one of the oldest methods of business financing in existence. The history of factoring dates back to the days of moneylenders in the middle ages. Factoring has been the working capital facility of choice in Europe for centuries. It has taken on a new life in recent years as a financing
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 07:29:55 -0700)
    Dig out of debt
    As you may have read, the savings rate for people today is at its lowest point in many years, maybe at its lowest point ever. Many people do not even have the two to three months of wages put aside that most financial experts suggest keeping as an emergency fund. Given the low savings rate, any t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 10:46:38 -0700)
    Credit Report Repair Software History
    The credit report repair project started back in 1995. During that time, I had just freed myself from the long hours work schedule as a Financial Planner for American Express. I made lots of money as a Financial Planner but I spent little time with my family. My daughter was only 2 years old at t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 16:03:11 -0700)
    When Should a Payday Loan be Used?
    Anyone who has ever gotten a payday loan has also incurred some type of an overdraft fee on their bank account. This is because overdrafts fees and cash advances are Overdraft fees that are assessed when you write a check or make a payment for something that costs more than the funds currently avail
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 01 Dec 2005 20:05:15 -0700)
    1031 Exchange and Tenancy-in-Common: Seeking the Right Advisor to Achieve TIC Investment Objectives
    A long-established section in the federal tax code, section 1031, allows real estate investors to sell property that has been held for investment purposes and defer capital gains and depreciation recapture taxes if they acquire "like-kind" exchange property of equal or greater value and reinvest all
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 00:40:55 -0700)
    Forex: Why Psychiatrists Make Better Traders Than Expert Economists?
    It should be noted that millionaire traders, Elder, Williams and some others are in fact professional psychiatrists. And it is not accidental that not the economists are the leaders and most successful traders, but professional psychiatrists and psychotherapists. Think about it. You will become a su
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 00:55:02 -0700)
    How Credit Card Debt Effects You
    The statistics are truly mind numbing and continue to get worse each and every year. At the current rate about 1% or one in a hundred families will be forced to declare bankruptcy at some point and over 90% of Americans' disposable income is spent paying back debts.

    Not a happy picture but
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:12:56 -0700)
    Balance Transfer Credit Cards: Are They Right For You?
    If you are carrying a balance on one or more credit cards you already have, you may want to think seriously about applying for a new 0% balance transfer credit card offer.

    Now you may be wondering how an issuer can possibly offer 0% balance transfers on credit cards, but it’s true. Many le
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:24:12 -0700)
    Question - When Is A Credit Card Better Than Cash? Answer – When It’s Stolen!
    For many people, bring up the term, “credit card,” and they’ll roll their eyes. Most of us understand the powerful pull that pulling out the plastic has on us. It’s almost addictive, the ability to pull out your credit card and use it to charge anything, anywhere, anytime. Many money counselors will
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:32:15 -0700)
    More Than Meets The Eye: What Is A Chase Credit Card?
    With so many credit cards dominating the market these days, people can no longer tell the difference between one card to another. It all seems like a wide array of credit cards all committed to provide the consumers with substantial means in cashless shopping.

    However, there is one credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:34:24 -0700)
    Homework On College Credit Cards
    With credit cards dominating the market world today, even college students are already prospective clients of most credit card companies. This is because studies have revealed that most college students have difficulty in maintaining their expenses especially to those who are far way from home. That
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:39:53 -0700)
    Money At Christmas - Surviving The Festive Period Without A New Year Financial Hangover
    Money always seems to be tight. Every year at Christmas the financial situation always seems to get worse. Increased electricity and heating bills to pay, expensive party food to purchase, presents to buy, travel costs to visit relatives, the list seems to be endless, while finances are certainly no
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 01:57:12 -0700)
    For Reality: What Is A Low APR Credit Card
    Shopping had never been lousy since the advent of credit cards. Since then, people had always been indulging into various cashless shopping due to the convenience of the credit card.

    However, most people get credit cards only for the sake of shopping. They do not even read the fine print o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 02:01:02 -0700)
    It’s Easy To Find A 0 APR Credit Card
    Millions of Americans have credit cards, using them almost every day for everything from mundane things like groceries to exciting purchases like vacations. But unless you already have a 0 APR Visa, Mastercard, or Discover credit card, chances are you’re still looking for one. Who wouldn’t want a cr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 02 Dec 2005 02:12:43 -0700)
    What Sets A Student Credit Card Apart From Other Credit Cards
    Today, most parents contend that it is okay to let college students obtain their very own credit card. Not only because they want to let their kids manage their finances alone but also because having credit cards or a credit history for that matter is extremely important.

    With the advent o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 00:46:09 -0700)
    The 7 Rules of Credit Card Balance Transfer
    The 7 Rules of Credit Card Balance Transfer Credit card balance transfer is a great way of consolidating your credit card debt, and also finding a way of avoiding the terrible burden that debt can bring. Transfer offers are in high demand and many credit card issuers highlight their balance trans
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 01:27:21 -0700)
    New Credit Card Balance Transfer Alert Service
    Who wouldn't want interest free credit for years and years? In theory that's possible. You just ensure you sign up for a 0 interest credit card balance transfer every time your 0 interest period expires. But is your bank ever going to actually tell you when the expiry date comes round? Of course not
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 03:03:59 -0700)
    How to buy and export a used Japanese car
    Japan has been a rich source of used cars for many years and each day thousands of people buy a used car direct from Japanese car auctions. The benefits are many: * Good quality, reliable, economical and famous Japanese brands such as Toyota, Honda, Nissan and Mitsubishi. * Low milage. Most ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 06:59:05 -0700)
    Before Entering Into That Payday Cash Loan
    Payday cash loans are starting to become the most popular way for people to borrow money. This is partially because they are just so much more convenient then other professional loan alternatives. A store offering a payday cash loan is almost as easy to find these days as a corner coffee shop. They
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 07:48:25 -0700)
    Low Interest Rates = Bigger Savings
    When choosing a credit card, the interest rate should be the first thing to consider. Low interest rates only mean one thing: more savings! The bigger the balance of the account, the bigger sum of money will be saved. As more money gets saved, more money gets stored and more interests will roll in t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 08:13:55 -0700)
    No Fuss Credit Card Application
    Today's consumers want the least possible hassle, processing time and related fees when they make credit card applications.

    One question that immediately comes to mind is acceptance. Credit card applicants generally should not worry if they comply with all the requirements set by their car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 12:17:00 -0700)
    Great information on debt consolidation home loans
    If you are facing the frightening perspective of getting buried in debts, credits or mortgages, you should know there is a way of easing your life. And this way is called debt consolidation home loan. What is exactly a debt consolidation home loan? Well it is a very popular method of helping you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 03 Dec 2005 12:40:46 -0700)
    Great information on debt consolidation home loans
    If you are facing the frightening perspective of getting buried in debts, credits or mortgages, you should know there is a way of easing your life. And this way is called debt consolidation home loan. What is exactly a debt consolidation home loan? Well it is a very popular method of helping you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 04 Dec 2005 09:26:53 -0700)
    The History of Ferrari
    When Enzo Ferrari created his company Scuderia Ferrari in Italy in 1929 his intentions was to sponsor amateur race car drivers and invent racing cars, and it would take more than 15 years before Ferrari began to create their own road cars in 1946. Ferrari is still devoted to the creation of racing c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 04 Dec 2005 09:26:56 -0700)
    The History of Ferrari
    When Enzo Ferrari created his company Scuderia Ferrari in Italy in 1929 his intentions was to sponsor amateur race car drivers and invent racing cars, and it would take more than 15 years before Ferrari began to create their own road cars in 1946. Ferrari is still devoted to the creation of racing c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 04 Dec 2005 13:01:04 -0700)
    Bugatti and Koenisegg – two amazing exotic cars
    There are only a few cars in the world that can do over 200 mph, but here are two that have been officially timed at over 240 mph! The fastest is the Bugatti Veyron 16.4, which has a monster of an engine. This W-16 unit has a capacity of 8.0 liters, and four turbochargers boost the power to 1001
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 01:59:04 -0700)
    How to find an Online Payday Lender
    With all the payday loan websites out there, it can be confusing trying to pick one. Most importantly, you have to be careful about choosing a company that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 02:39:07 -0700)
    How to Lower the Cost of Your Car Insurance
    Buying auto insurance is an important part of your overall financial planning. The auto insurance premium rate varies depending on the company and the type of policy coverage you choose to have. Here are some guidelines to lower the cost. Shop Around- Compare the costs by shopping around at least
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 03:58:14 -0700)
    Credit Card Balance Transfer Revisited
    Credit card balance transfers are one of the financial world's great empowering features, but they can only be done successfully if you follow the rules and don't fall foul of them. Firstly you must consider the benefits, then the pitfalls. These two aspects are more or less permanent features of th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 04:00:33 -0700)
    Tired of High Texas Energy Bills?
    In Texas, the typical family spends $1500 per year on home energy costs, but that figure is likely to rise. Due to increased demand, natural disasters, and other factors, energy costs have risen across the board this year, and Texans are taking notice to their electric bills. Just as you have had
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 05:21:42 -0700)
    Penny Stock Strategies
    Why should the rich guys have all the fun? The small investor can seek out huge returns too...if they know how.

    Technical analysis that uses statistics for forecasting price fluctuations is one approach. However, because it is difficult to track changes in fractions of a penny, there simpl
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 11:52:01 -0700)
    Can You Afford A House?
    The time has come to buy a house. Questions buzz around in your head like a swarm of angry bees: “How much can I borrow? How much do I have to put down? How much will my payments be?” Well, let me suggest starting with the “How much can I borrow?” question. There are many factors you need to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 13:28:32 -0700)
    Determining how much Auto Insurance Coverage you Need
    The Three Basic parts to an Auto insurance Policy 1: Other Party: Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much cov
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 19:09:32 -0700)
    Small Business Credit Cards: Make Your Accountant Obsolete
    Small business credit cards can play an important role in the success of many enterprises and small businesses. Yet currently most folks view of small business credit cards is extremely limited. Mostly they only think of them as tools to aid them in obtaining certain incentives for small businesses
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 19:15:01 -0700)
    Fix Bad Credit In Easy Steps
    Fixing bad credit requires some time and research on your part and a plan you can stick to. Fixing bad credit is not as difficult as you might initially think. The following will help you bump up your credit score so you can get the new car or the new home you deserve.

    1. Know your credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 19:42:56 -0700)
    Buying A Car – What Is The Best Finance?
    Your car is one of the most expensive purchases you will ever make. Probably the only thing you will buy that costs more than your car is your house. You wouldn’t just accept the first mortgage you came across, and likewise you shouldn’t just accept the first vehicle financing option that comes your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 19:46:47 -0700)
    Credit Rescheduling
    Many people let their finances get a little out of hand at some stage. It’s just a fact of life that today, with all the credit that lenders throw at us, and the amount of temptation out there to consume and buy more, that we end up spending more than we have. Indeed, with lenders advancing more and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 20:01:12 -0700)
    Car Insurance – How Did They Calculate That?
    Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Insurance is a significant cost associated with the item insured and should not be rushed into. It is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 05 Dec 2005 20:02:16 -0700)
    Loans For Self-Employed
    One of the most fundamental details that all banks will look for in all loan applicants is a steady, dependable income. The amount of this income will decide how much the applicant will be granted. If there were no dependable income, then on the face of it, it would appear to a lender’s calculation,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 09:43:23 -0700)
    Adjustable Rate Mortgages: This Home Mortgage Loan May Not Be For The Weak At Heart
    I heard the news about another interest rate hike and thought it was about time to look into refinancing my mortgage. I contacted my mortgage company first.

    "I am interested in a fixed mortgage rate." I said.

    "May I ask why that is?" The broker asked politely.

    "I don't wan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 09:46:40 -0700)
    Credit Counseling – Can It Get You Into More Trouble?
    Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don't even know what options are available to help them. They just struggle paycheck to paycheck
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 09:48:57 -0700)
    What Does Your Brokerage Do For You?
    A brokerage should work for you, the way that you want your money managed. In fact, you will need to communicate these needs and desires with the firm long before a commitment is made to you by the firm. But, what does your brokerage provide for you? Why do you use one company over the other? And, m
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 09:57:30 -0700)
    Understanding Option Trading, Simply
    Option trading is one method of trading that you can partake in. But, in order to take advantage of it, you need to find out just what it is and how it works. This will help you to make decisions that will affect you throughout your trading experience. Here is some basic information about option tra
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 09:59:44 -0700)
    College Financial Aid: Unraveling The Myths
    Entering college is a big deal both emotionally and monetarily. Everyone should have the opportunity to get the education they deserve and to help in that process, you can look for college financial aid. This is money that is provided to you in one or another fashion so that you can get the loans th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 11:34:51 -0700)
    The Truth About 'Free' Credit Reports
    Too many people are being confused, mislead and taken advantage of by the term, "Free Credit Report". We set the record straight so that won't happen. How many of us have looked at anything offered to us for “free”? Not me? Of course I have. In this day and age when gas prices are listed as “Arm” an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 18:23:01 -0700)
    Mortgage Broker Bonds: Will Other States Follow Colorado’s Lead?
    The Colorado Association of Mortgage Brokers’ has proposed a requirement of a $100,000 surety bond to be filed with mortgage brokers’ licenses. The state is one of few that do not currently require a bond. Most are welcoming the idea with open arms, as it should help protect the state and it’s citiz
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 18:24:59 -0700)
    Mortgage Broker Bonds: Will Other States Follow Colorado’s Lead?
    The Colorado Association of Mortgage Brokers’ has proposed a requirement of a $100,000 surety bond to be filed with mortgage brokers’ licenses. The state is one of few that do not currently require a bond. Most are welcoming the idea with open arms, as it should help protect the state and it’s citiz
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 18:57:59 -0700)
    What Makes A Good Surety Bond Producer?
    The difference between bond producers can be night and day. A good producer knows the surety industry and the construction industry (for contract bond producers). For contractors, a bond producer is a key to the door of suretyship. The differences in contract producers could be the difference of app
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 19:44:06 -0700)
    Georgia Proposing Increase For Autp Dealer Surety Bond
    The state shut down a bill in 2004 to increase the dealer surety bond amount from $20,000 to $50,000. The argument for the increase is to better protect consumers purchasing vehicles from fraud. The argument against the increase is from the dealers trying to do what they can to keep their costs down
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 20:13:53 -0700)
    buySAFE Expands The Surety Bond Market
    The surety bond market is currently conservative and hesitant to write anything out of the ordinary. It is rare to hear about bonding companies taking risks on new ideas, especially ideas that involve new technologies. Suretyship, in general is behind the times. I was pleased and suprised when I hea
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 20:15:57 -0700)
    buySAFE Expands The Surety Bond Market
    The surety bond market is currently conservative and hesitant to write anything out of the ordinary. It is rare to hear about bonding companies taking risks on new ideas, especially ideas that involve new technologies. Suretyship, in general is behind the times. I was pleased and suprised when I hea
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 20:37:37 -0700)
    Why Do I Need A License Surety Bond?
    There are thousands of different surety bonds in the United States alone. One of the most common types are license bonds. Simply put, these bonds are required by the government in order to obtain a license to legally operate a business. Often, people ask, “Why Do I Need A Surety Bond For My Licen
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 06 Dec 2005 22:52:03 -0700)
    College Students and Credit Card Debt Consolidation
    Credit card debt is a major problem for many Americans and college students today. Many people today are overextended with debt because of extensive credit card debt they have built up. It seems like the credit card companies know when you are able to get a credit card, cause once you are able you a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 07 Dec 2005 04:03:53 -0700)
    Debt Management and Debt Consolidation
    How do you know that you are in DEBT? How do you know that you are really in deep DEBT? Do you think you need DEBT MANAGEMENT or DEBT CONSOLIDATION? This are the questions that most professionals will ask you about. If not, you will ask yourself this question. The true fact is that once you are inte
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 07 Dec 2005 04:16:52 -0700)
    Debt Management and Debt Consolidation
    How do you know that you are in DEBT? How do you know that you are really in deep DEBT? Do you think you need DEBT MANAGEMENT or DEBT CONSOLIDATION? This are the questions that most professionals will ask you about. If not, you will ask yourself this question. The true fact is that once you are inte
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 02:19:34 -0700)
    Car Insurance Pricing Plans
    The law requires liability insurance for all drivers and vehicles. This means that if you are involved in a serious accident, and it turns out that it was your fault, your insurance company will pay out any claims that are made against you. Extra coverage on your own vehicle, called comprehensive in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:09:46 -0700)
    Loans For Those With Bad Credit
    If you have bad credit, you may be finding it increasingly difficult to get vital loans. While this is generally a sign that you should try to avoid further borrowing, there are certain circumstances in which it is just vital that you get credit. This may include paying rent, especially if you have
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:11:33 -0700)
    How To Define A Business
    Businesses are everywhere. They are the units that perform most of the economic activity in our economy. Most businesses exist to generate a profit. There are some businesses that exist to perform a function other than profit, such as cooperatives and non-profit organisations. The traditional defini
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:12:08 -0700)
    Car Insurance On Rentals
    When it comes to car insurance, there are a couple of traps you can fall into. The contracts are complicated and extremely difficult to understand, and that’s if you even have the time to read them. The fact is that most people don’t read insurance contracts and there is a significant information sh
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:31:43 -0700)
    Student And Graduate Loans
    Student and graduate loans are becoming more popular as student debt continues to rise and students seek alternative ways of dealing with it. The good news is that student or graduate loans are generally available without the need to show steady income or offer security. This is extremely helpful, a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:37:45 -0700)
    Secrets Of Credit Repair
    Rick Miller: Helping Credit Ridden Individuals Recover from Debt

    Millions of individuals all around the world are in over their heads in debt. Debt can turn an individual or their family’s life upside down. Without the proper help from experienced professionals, many individuals only end u
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:39:17 -0700)
    Credit Repair Made Easy
    In recent years, more people than ever before have found themselves deeply in debt with no remedy in sight. For many of those people, filing bankruptcy seems the only answer. In the majority of cases, however, this is not the case. With some careful planning, skilled help and patience, people can re
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:40:13 -0700)
    True Credit Secrets
    Figuring out exactly how credit scores work is problematic. Like nuclear fission, learning Chinese and setting the clock on your DVD player, credit scoring is not something that most people can easily master.

    In the complicated world of credit scores there is one fact that pretty much ever
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:49:55 -0700)
    Dodge Those Credit Card Fees
    Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 04:51:30 -0700)
    Cash In With A Cash Back Credit Card
    A cash back credit card is a fantastic way for you to make some cash, while all the time spending! Although it does only suit the customers who pay their bill in full at the end of each month. A cash back credit card will give you the chance to earn as you spend. A percentage is returned to you o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 05:46:59 -0700)
    Student Loan – The Basic Facts
    There are a lot of different ways of funding your way through college. You might be one of those students lucky enough to have a full scholarship. You may also have rich or generous parents who are willing or able to pay the bills.

    However, many students are not so lucky. Most of the above
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 20:06:46 -0700)
    Mortgages,UK Mortgages,Home Mortgage,Mortgages Loan Rate,Best Mortgage Rate,Adjustable Mortgages UK
    SEEK.UK http://www.seek.uk.com FIXED AND AJUSTABLE MORTGAGES For UK Looking for low mortgage rates? Do you want to access some of the best low mortgage loan rate available in UK (United Kingdom). At your Mortgages, an online mortgage company will help you to avail a best adjustable mortgage
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 20:07:41 -0700)
    Mortgages,UK Mortgages,Home Mortgage,Mortgages Loan Rate,Best Mortgage Rate,Adjustable Mortgages UK
    SEEK.UK http://www.seek.uk.com FIXED AND AJUSTABLE MORTGAGES For UK Looking for low mortgage rates? Do you want to access some of the best low mortgage loan rate available in UK (United Kingdom). At your Mortgages, an online mortgage company will help you to avail a best adjustable mortgage
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 08 Dec 2005 20:29:17 -0700)
    Secured Loan,Secured Loans,UK Secured Personal Loans,Bad Credit Secured Loans,Cheap Secured Loans UK
    Seek.Uk http://www.seek.uk.com SECURED LOANS IN UNITED KINGDOM from SEEK.UK.COM Secured Loans - The perception of the world has changed over the past few years. As borrowing money today is not considered a taboo. Though, it is seen as the most preferred way to dig oneself out of a financial m
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 01:53:37 -0700)
    7 Quick Cash Fixes To Recover From A Money Emergency
    When you are desperate to raise emergency funds, it usually doesn’t take very long for you to realize who really cares about you, who is truly a friend ... be they family or not.

    Here are a few emergency budgeting tips:

    Budgeting Tip #1: The first thing you want to do is prioriti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 01:55:10 -0700)
    No Faxing Payday Loans - Understanding Payday Loan Basics
    Do you need extra money? If so, you may be a good candidate for a no faxing payday loan. Payday or cash advance loans are convenient, and the perfect solution when you need extra cash. While some people are hesitant to obtain a quick personal loan, there is no reason to be ashamed. We all experience
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 01:56:57 -0700)
    Adjustable Rate Mortgage Loans - Understanding The Basics
    Adjustable rate mortgages (ARM), developed when mortgage interest rates were high, can help you finance the purchase of a home with low interest rates. An ideal choice for those who expect their income to rise or move in a couple of years, an ARM also increases your risk for higher payments. Fortuna
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 01:58:13 -0700)
    Balloon Or Reset Mortgage Loans - Understanding The Basics
    A balloon mortgage, also called a reset mortgage, offers lower interest rates with the option in 5 or 7 years to pay off the balance or resent the loan. Considered more risky than an ARM since interest rates can jump significantly, it is a valid option for those expecting to move or interest rates t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 01:58:26 -0700)
    Subprime Lenders: Find Financing With A Bad Credit History
    Subprime lenders finance high risk groups to enable them to buy a home. While you need to be aware of predatory lending practice, by researching lenders you can find a mortgage loan at a reasonable rate.

    Bad Credit Factors

    Before you sign up with a subprime lender, be sure that you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:05:34 -0700)
    Fixed Rate Mortgage Loans - Understanding The Basics
    Fixed rate mortgages are the most common type of mortgage loan for home buyers. With predictable payments, long term homeowners can plan their budgets and guard against rising interest rates. But a fixed rate mortgage is not for everyone with its higher interest rates and a reduction in your buying
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:06:51 -0700)
    Home Refinancing Rates - When Is It Worth It To Refi?
    When interest rates were two points below your current mortgage rate, it was considered a good rule of thumb to refinance. But with today’s low closing costs, a difference of one percent can save you money on your interest costs. Even with low fees, it only worth it to refinance when you can be sure
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:07:36 -0700)
    Refinance Your Fha Home Mortgage Loan - Refinancing With The Streamline Process
    You can now refinance your FHA loan with their streamlined process. With reduced paperwork, your lender can process your mortgage much quicker. There are some unique requirements to refinance your FHA loan, but you continued to be backed by the FHA through this process.

    Basic Requirements <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:10:59 -0700)
    Refinancing Your Home Mortgage Loan - Refinance Your Adjustable Rate Mortgage
    Refinancing an adjustable rate mortgage (ARM) is a common practice for borrowers. However, it may not always be the best option. Depending on how high interest rates climb, there are cases when you could end up spending more on converting your mortgage than you would save with a locked in interest r
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:14:28 -0700)
    The Cost Of Refinancing - What Costs To Expect When You Refinance Your Home Mortgage Loan
    Refinancing can save you thousands, especially if you have several years left on your mortgage. However, you can also choose to refinance simply to tap into your home’s equity or reduce your monthly payments.

    “How much will it cost?” is a common question for homeowners considering refinanci
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:15:52 -0700)
    Home Mortgage Loan Refinance - Refinancing A Fixed Rate Mortgage
    Refinancing a fixed rate mortgage is usually only suggested when interest rates fall, but you can also save money by changing your loan terms. You can also pull out part of your equity to pay bills or renovate.

    Lower Interest Rates

    In general when interest rates are at least 1% low
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:18:44 -0700)
    Adverse Credit Mortgages - Home Loans For People With Poor Credit
    Mortgage lenders offer many financing options for people with adverse credit. For those who don’t qualify for an A loan, you can use a B, C, or D loan to finance the purchase of your home.

    These home loans offer short-term financing until your credit score improves and you can qualify for a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:19:30 -0700)
    Saving Money For College… Key Strategies
    One day you will wake up and your children will be ‘grown’ and heading off to school.

    Have you thought about how you will finance their education?
    If you haven’t heard already, the cost of a decent education is continually rising above and beyond what ordinary people can afford.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 02:51:41 -0700)
    How To Start, Survive, And Finish Your Journey To Super Success
    "The more you hate, the more you love."

    What an ironic statement. Whoever said those words must have been drunk. The bottom line is this: It is extremely difficult to like or love something that you despise.

    But what can we do to solve this dilemma? What if you're trapped in an env
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 03:46:01 -0700)
    Lawyer Professional Liability Insurance
    Under a Lawyer Professional liability insurance, the insurer is obligated to pay the legal costs of a business in a covered liability claim or lawsuit. Covered liability claims include bodily injury, property damage, personal injury and advertising injury (damage from slander or false advertising).
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 03:51:28 -0700)
    Antique Car Collector Insurance
    Insuring classic and collector cars can be confusing for first-time buyers and veterans alike. Many questions arise as to the types of vehicles that can be covered, coverage’s, costs, claims, etc.

    How are most collector cars insured? Less than half of the collector vehicles on the road tod
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 03:53:03 -0700)
    Dental Insurance For Individuals
    Individual dental insurance plans are important to men as well as women. Men spend as much as women on dental services, though they visit dentists less often, according to a study published recently in the Journal of the American Dental Association. The study suggests that the more people spend on p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 04:32:42 -0700)
    Disability Insurance
    Disability can occur at any time. While many people take their body and health for granted, serious accident or injury can happen to anyone and if you find yourself disable, for a short period or long term, how will you cope?

    Disability insurance is a sub set of health insurance that will
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 04:33:18 -0700)
    The Iraqi Dinar In A Nutshell
    The Iraqi dinar (pronounced: di-'när) is the legal currency of Iraq.

    Old Iraqi dinar

    The Iraqi dinar was introduced into circulation in 1931 and was at par with the Pound sterling. The Iraqi dinar replaced the Indian rupee that was the official currency at the time of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 04:42:50 -0700)
    The Travails Of The Pros And Cons Of A Small Business Credit Card
    For small business credit card getting a sense out of a deal is, in some instances, the most difficult thing to do. This is because most people could not instantly figure out the benefits they can derive from obtaining it.

    Take for example the case of small business credit card. Some people
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 16:08:38 -0700)
    Good Mortgage Broker vs. Bad Mortgage Broker
    According to the NAMB (National Association of Mortgage Brokers), two out of three Americans work with a mortgage broker to purchase a home because of the broker’s expertise and wide selection of loan products and lenders. However, with so many so called “experts” out there, how does one separate th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 20:48:26 -0700)
    So, Do You Need Financial Planning?
    Well do you need Financial Planning? In this article, I will show you how you can answer this question.

    Immediately after we complete our college education, we automatically participate in a race call rat race.

    Everyone started the race with a cart. In this cart, we have personal
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 21:09:40 -0700)
    Life Insurance vs Life Assurance
    People spend a lot of money on complicated financial products and it is sometimes difficult to keep track of what products perform what tasks. Many people are not aware of all the financial products that are available or they only know of them vaguely. They may not know how much they cost or the pot
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 21:12:08 -0700)
    Dodge Those Credit Card Fees
    Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 21:14:58 -0700)
    Cash In With A Cash Back Credit Card
    A cash back credit card is a fantastic way for you to make some cash, while all the time spending! Although it does only suit the customers who pay their bill in full at the end of each month.

    A cash back credit card will give you the chance to earn as you spend. A percentage is returned to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 09 Dec 2005 23:57:52 -0700)
    Driving An Expensive Or High-Performance Car? Make Sure Your Car Has Adequate Insurance
    When buying insurance, most people ask for "full coverage" without knowing what they're asking for. What's the problem? There is no such thing as "full coverage". While understanding your coverage is important for everyone, it is vitally important if you're driving a Mercedes, BMW, Bentley, Rolls-Ro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 00:41:57 -0700)
    Important Questions To Ask When Choosing Insurance Coverage
    When was the last time you sat down and actually thought about your insurance coverage? Let's face it, it's not exactly on the weekly "to do list" for a wide variety of reasons and so… it's not surprising that many are caught unprepared when an emergency happens. One thing to remember is that you do
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 00:43:21 -0700)
    A Case Of Coin Telemarketing Fraud: Here's What I Shoulda Done
    One day back in 1985, I received an unexpected phone call at my office from a man named Gordon Carl (not his real name – but whose real name I’ll never forget). The thing that initially struck me the most about the polished Mr. Carl was his heavy New York accent, like something you might hear in a g
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 00:58:36 -0700)
    Home Insurance Rates
    Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Insurance is a significant cost associated with the item insured and should not be rushed into. It is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 01:01:40 -0700)
    Do You Need Life Insurance
    It can be very difficult to decide if you need life insurance. Life insurance can be an extremely onerous financial commitment and investment, and it will also last for a considerable period of time, so you should take careful consideration in deciding if it is the best way of achieving the financia
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 01:32:32 -0700)
    Budgeting Over Christmas
    Christmas is one of everybody’s favourite times of year, but it can also be one of the most expensive. Most people want it to be a special and happy time, and are willing to pay for the little luxuries that make Christmas what it is, but they usually don’t want to spend the rest of the year paying f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 01:59:05 -0700)
    Reverse Annuity Mortgage – Tapping Into Your Equity
    Reverse annuity mortgages (RAM) were created to allow older Americans to tap into the equity of their paid for or nearly paid for home. Homeowners receive a tax-free payment each month, and the mortgage is paid when the home is sold. Before you choose a RAM, make sure you have evaluated the risks si
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 02:01:12 -0700)
    Buy More House With A Buy Down Mortgage
    A buy down mortgage allows you to buy more house with your income and enjoy low monthly payments for a couple of years. With reduced payments, you can pay for move in costs and furnishings. You also qualify for a larger mortgage due to lower monthly payments.

    Buy Down Mortgage Terms
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 02:02:34 -0700)
    Interest Only Mortgage? Consider A Graduated Payment Mortgage
    Graduated payment mortgages (GPM) offer financing solutions for those who expect their income to rise in the future. A hybrid of an adjustable rate mortgage and fixed-rate mortgage, a GPM with its fixed interest rate starts with low payments that increase yearly based on the loan’s terms. If you hav
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 02:10:33 -0700)
    Fannie Mae And Freddie Mac Mortgage Loans - Conforming Loans Provide Low Interest Rates
    Conforming loans provide low interest rates since they are almost guaranteed to be purchased by Fannie Mae or Freddie Mac, which allows more funds to be available for borrowers. However, these corporations have terms, such as maximum loan, that limit how much you can borrow. If you don’t meet their
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 02:25:56 -0700)
    Bankruptcy And Buying A Home - 3 Benefits To Buying A Home After Bankruptcy
    If you have filed bankruptcy recently, you may wonder if you can get approved for a home loan. You may also wonder if buying a home after a recent bankruptcy is a good idea for you.

    While a bankruptcy can make getting approved for a mortgage loan more difficult, it is still possible to get
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 02:27:56 -0700)
    Refinance Advisor Online - What To Ask Before You Sign When Refinancing
    Before you sign your new mortgage loan, be sure that your lender or mortgage broker has disclosed their annual percentage rate (APR) and their terms. Lenders are legally required by the Truth in Lending Act to disclose the cost and terms of your financing package before you sign any final paperwork.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 03:01:11 -0700)
    Auto Refinance Secrets: Refinance Your Car Loan And Save Every Month
    Refinancing your auto loan can be a easy and effective way to lower your monthly payments and save you a good deal of money in the long term. Huge numbers of people are taking advantage of refinancing in the face of much lower interest rates. If you think you are paying way too much money on your lo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 03:09:11 -0700)
    Are Unsecured Debt Consolidation Loans Right For You?
    When it comes right down to it, there are very few situations in which bankruptcy has to be the answer. Often times, when it comes to debt issues, unsecured debt consolidation loans are much less damaging answer than bankruptcy. What is important, though, is that you understand what it is about befo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 10 Dec 2005 03:10:38 -0700)
    Ameriquest Mortgage Company Tips, Tricks, And Offers For Refinancing Loans For Your Home
    Ameriquest’s loans are easy to qualify for, and they are willing to work with you to custom design a loan that fits your needs. An Ameriquest mortgage can mean that you can lower your current monthly payments, have cash back, and take a thirty day break from all of your current payments. A refinanci
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 00:50:36 -0700)
    Budgeting Through Elective Utilities
    Telephone, Internet, and television service are all examples of elective utilities. These utilities, though many times necessary, are not essential to basic living standards in the United States like gas, electricity, and water. Elective utilities are no less important to a household budget.
    <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 01:19:02 -0700)
    Debt Consolidation Loans - Knowledge Is Power
    A debt consolidation loan pays for multiple other loans or lines of credit. If you find yourself swimming in debt, this might be a good option. Debt consolidation loan is the best option when you have maxed out your credit cards and are yet paying for your car and house.

    A debt consolidator
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 01:44:31 -0700)
    Subprime Hybrid Mortgages
    Subprime hybrid mortgages offer temporarily low rates for borrowers while they work to rebuild their credit. With a sub-prime hybrid mortgage, you don’t have to pay PMI, saving hundreds a year. After two or three years of on time payments, you can then refinance for conventional mortgage rates.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 01:54:52 -0700)
    Car Loans After Bankruptcy - 3 Tips On Financing Your Car With Bad Credit
    If you have recently filed bankruptcy, you may wonder if its possible to get auto financing again. There are more and more loan companies all the time that have new programs to help finance people with bad credit. An auto loan is easier to get financing for than a personal loan or an unsecured loan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 01:55:39 -0700)
    5 Simple Tips For Getting Out Of Debt In 2006!
    Is credit card debt driving you crazy? Spent too much this holiday season?

    Well, you’re definitely not alone. Credit card debt is a way of life these days. Especially now, right after the holidays!

    For many people, money gets REAL tight this time of year – we need to pay for all th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 01:58:18 -0700)
    100% Financing Or No Down Payment & Bad Credit Mortgage Loans
    Sub-prime lenders now offer financing packages with zero down. Interest rates are higher on these types of loans, but they make purchasing a house easier. And unlike a conventional loan, there is no private mortgage insurance required. There are two types of zero-down mortgage packages, each with th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 02:02:10 -0700)
    Bad Credit Mortgage Lenders - The 3 Most Common Subprime Lending Scams
    Legitimate sub-prime lenders provide a needed service to many wishing to buy a home. By offering financing to those with adverse credit, sub-prime lenders offer a valuable financing options. However, predatory lenders take advantage of people with poor credit by charging excessive fees, forcing fore
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 02:02:58 -0700)
    Subprime Mortgages – Low Down Payments And No Pmi
    Sub-prime mortgages offer financing for those with poor credit to finance the purchase of a home. Today’s sub-prime mortgages offer low down payment options with no private mortgage insurance (PMI). As a result, more people are finding it easier to buy a home.

    Sub-prime Mortgage Options
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 02:07:55 -0700)
    Subprime Mortgage Lenders - Sub-Prime Loans Now Available Through Traditional Lenders
    Sub-prime loans are becoming more readily available through traditional lenders. Even with a bankruptcy or foreclose in your credit history, you can still find financing for the purchase of your home. The key to sub-prime mortgages is to do your research and compare both terms and rates.

    Yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 02:26:51 -0700)
    Home Owners: Avoid Complications In Credit Repair
    Avoiding complications in credit repair is almost important as getting out of debt.

    When we have bills that were neglected simply because we didn’t have the money to pay the bills, or else we purchased items instead of paying the bills, we are in debt.

    If you are considering a Ho
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 12:58:42 -0700)
    The History of GM - General Motors
    The history of GM, the world's largest automaker, saw it's beginning in 1908. The company was founded by William Durant in the year 1902. The shrewd businessman that he was, Durant realized that the future lay with cars and not carriages. Initially, the company was founded as a holding company for B
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 13:07:34 -0700)
    An introduction to Corvette.
    The glorious Corvette history started in 1953, when Chevrolet first came out with the Corvettes. It has endured the tests and ravages of time, and is now considered to be at par with some of the greatest cars in the world. The first all American sports car built by an American company, today Corvett
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 21:45:28 -0700)
    Credit Card Applications: Is It Safe To Apply Online?
    Are you wanting to apply for a new credit card but feeling hesitant to perform the credit card application online? If so, you need not be concerned. Advances in the technology of secure e-commerce have made online credit card applications literally safer than filling out a paper application and mail
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 21:47:26 -0700)
    5 Things You Should Know Before Applying For Auto Loan
    5 Things You Should Know Before Applying For Auto Loan

    Applying for an auto loan? We’ll sooner or later we will. So I wrote this short guide as basic must know guide to arm ourselves when the time for an auto loan comes.

    1) Shop Online – Shopping for auto loan online is a great tim
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 22:34:31 -0700)
    Consolidate And Live Debt Free
    Are your credit cards in charge of your life? Are you living payday to payday with no end in sight? Making large payments but not making much of a dent on your principal balance? It may be time to consolidate and live debt free.

    Debt free living opens up so many possibilities for using your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 22:57:06 -0700)
    Subprime Mortgages And A Past Bankruptcy
    Even with a Chapter 7 bankruptcy in your credit report you can still qualify for a sub-prime mortgage. Once approved, you can then use your mortgage to improve your credit history, qualifying you for lower interest rates in the future.

    The Effects of a Bankruptcy

    A bankruptcy will
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:02:12 -0700)
    Debt Help Online - How To Rebuild Your Credit By Consolidating Debt
    By consolidating your debt you can rebuild your credit by making on time payments, paying off your debts, and increasing your cash reserves. Depending on your debt load, you can improve your credit situation within two years, enabling to qualify for better loan terms.

    Consolidating Debts
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:02:23 -0700)
    Consolidating Debt & Debt Reduction Without Owning A Home
    You have two options to consolidate and reduce your debt if you don’t own a home. First, you can use the services of a debt consolidation agency. They will negotiate lower interest rates and smaller payments. The other option is to take out a personal loan and pay off your debt. The best option depe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:02:34 -0700)
    Consolidating Debt - How To Get The Lowest Interest Rate On A Debt Reduction Or Consolidation Loan
    To get the lowest interest rate on a debt consolidation loan, you need to research terms and rates. Lenders realize to remain competitive, they must offer low rates. A difference as little as a quarter percent can save you hundreds a year. The type of loan you choose can also have significant financ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:09:59 -0700)
    Reduce Debt - How To Prevent Bankruptcy By Reducing And Consolidating Your Debt
    You can prevent bankruptcy by consolidating your debt with the help of a loan or debt consolidation agency to reduce your monthly payments and quickly pay off your liability. But before signing final paperwork, you should develop a financial plan and research your options.

    Goal Of Consolida
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:12:20 -0700)
    The Online Mortgage Application Is The Best Option For Good & Bad Credit
    Are you ready to fill out a mortgage application and get your home loan process going? Consider applying for your mortgage online in order to get the best interest rate and the best loan program for you.

    There are many mortgage companies online that will offer you the option to complete you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:24:32 -0700)
    Consolidate A Credit Card To Reduce Your Debt
    Strange though it may sound a credit card can be a useful tool in controlling debt. The properly chosen credit card can, in fact, be used to consolidate debt. There are several features to look for though if you plan to use a credit card in this manner. As is always the case before you scrutinize an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:32:27 -0700)
    Consider A Program To Consolidate Your Debt
    In the present climate of easy credit it is easy to get in over your head with credit card debt. Many people do not realize how many Americans are living payday to payday getting deeper and deeper into the drowning pool of high interest revolving debt. With recent laws mandating higher minimum month
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 11 Dec 2005 23:37:37 -0700)
    Car Donation Facts For You
    Donating money and good is a great way to help out worthy causes while still helping yourself out on your taxes. Car donation is no different. Even though some of the car donation tax laws changed a few years back, this is still a great way to help yourself and others. So if you have an old car and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 01:47:49 -0700)
    Forex Trading And The Obsession To Win.
    Forex trading is one of the great money making opportunities available these days. People from many walks of life, men and women, decide to join the forex trading world everyday looking for the great style of life a profitable forex trader can achieve. But Forex trading is also a war where you ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 01:51:19 -0700)
    Forex Trading And The Characteristics Of Bar And Candlestick Charts.
    There is a very important factor that you should consider with great care if you are willing to become a successful and profitable Forex trader. This always important tool; in other words knowledge, that should be always present in your trader’s portfolio, is the ability to read the charts. Ther
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 01:53:45 -0700)
    Forex Trading And The Characteristics Of Bar And Candlestick Charts.
    There is a very important factor that you should consider with great care if you are willing to become a successful and profitable Forex trader. This always important tool; in other words knowledge, that should be always present in your trader’s portfolio, is the ability to read the charts. Ther
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 01:55:11 -0700)
    Forex Trading And The Characteristics Of Bar And Candlestick Charts.
    There is a very important factor that you should consider with great care if you are willing to become a successful and profitable Forex trader. This always important tool; in other words knowledge, that should be always present in your trader’s portfolio, is the ability to read the charts. Ther
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 08:45:59 -0700)
    A Credit Card Can Sing A Christmas Carol
    “Christmas Time, Mistletoe and Wine” How many times have you heard this so far and its only November? A few I’ll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food buying. This though only leads to us spending mor
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 09:00:31 -0700)
    A Credit Card Can Sing A Christmas Carol Too
    “Christmas Time, Mistletoe and Wine” How many times have you heard this so far and its only November? A few I’ll bet, but with Christmas seemingly becoming earlier to us each year, we will no doubt feel the need to get ahead with our present and food buying. This though only leads to us spending mor
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 19:23:37 -0700)
    Plastic Debt
    The Debt In America, it is not only accepted that the majority of us are knee-deep in credit card debt, it is normal. Two generations ago it was just flat out wrong - a sin, to have any kind of debt at all. Today it is quite a different story and credit card debt is a mega, multi-billion dollar a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 12 Dec 2005 19:25:13 -0700)
    Kill Bills
    Get Rid of Some "Extras" The key to financial freedom is building wealth. The key to building wealth is eliminating all your extra bills so you have money to save. The average consumer's credit report carries quite a burden from these bills as well. Let's start with what hurts the most. Eliminate
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 13 Dec 2005 01:37:50 -0700)
    The Rewards Of Student Credit Cards
    The way to help build a bright future is to extend your education into a higher learning facility. A 2004 study by the U.S. Department of Commerce found that a high school graduate earns an average of $36,000 per year, while a person with a Bachelor of Arts Degree averages $65,442. These startling f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 13 Dec 2005 09:50:38 -0700)
    Payday Loans for the Holidays
    During this time of year people incur extra expenses from holiday spending. You have to buy gifts for everyone, travel to meet relatives, and just tend to spend more money. In the even you have not saved enough to cover holiday needs. Money can cause financial issues that can make the holidays more
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 13 Dec 2005 13:49:17 -0700)
    Payday Loans
    In the early 90’s Colorado had only 12 payday loan stores, by the end of the decade, this number would grow to 188 and account for at least 20% of the licensed loans in that state. This shows that the payday loan industry is growing rapidly. In 1997, there were $42.8 million in payday loans issued i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 13 Dec 2005 20:19:45 -0700)
    Save More Money w/ Low APR
    Using a high interest credit card is like throwing money down the drain! If you’re wasting money with a high APR, you should consider applying for a low interest or 0% APR credit card instead. Although your credit score will ultimately determine your interest rate, apply for a lower APR and you coul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 00:56:39 -0700)
    Rebuilding Your Credit History
    Your credit history is very important for you because when it comes to big loans your credit report will determine if you can get the loan and what rates you’ll have to pay. The credit report will matter a lot when you apply for a mortgage loan, for a car loan or for getting insurance on your house,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 01:53:15 -0700)
    How To Save Money On Gas
    Gas prices just keep going up, and our wallets keep decreasing in size. This how-to will teach you many ways to save money at the local gas station.

    Steps

    1. Take out a credit card. Some credit cards offer gas savings when you use the card for purchases. This works in much the sam
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 01:54:56 -0700)
    Debt Consolidator - How To Compare Debt Consolidators Online
    Debt consolidation companies negotiate lower interest rates for your unsecured bills, such as credit cards. By reducing your interest rates, you can pay off your debts sooner. These debt consolidation programs don’t use a consolidation loan, so you can avoid additional credit issues. The following g
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 01:58:21 -0700)
    Consolidating Debt? 5 Warning Signs Of A Shady Debt Consolidation Or Debt Management Company
    Unfortunately, not all debt consolidation companies are legitimate. To avoid the shady companies, educate yourself on the debt consolidation process and watch out for these warning signs.

    Quote Unusually Low Monthly Payments

    A debt consolidation company works with creditors to lowe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 02:03:53 -0700)
    No Fax Cash Advance - Save Time With No Faxing Payday Loans
    Are you looking for the most hassle-free way to get your payday or cash advance loan? Applying for and receiving your cash advance loan through a company online, is a good idea if you are looking for the easy way to get the loan done. Just make sure the company you go through is reputable so that yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 02:05:27 -0700)
    Bad Credit? Get A Payday Cash Advance Loan With No Credit Check
    Do you have bad credit history? Even with a recent bankruptcy or foreclosure, if you are in need of some emergency cash, you may want to consider getting a payday loan. The benefits are you get the cash fast and it is an easy process, compared to applying for a new personal loan. You can apply for f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 09:09:11 -0700)
    Deciding On The Chase Credit Card
    The first credit card I ever had was cosigned by my parents. My father picked it out for me and did the bulk of the paper work, and I can only assume the card was issued through his regular bank. The Chase credit card I use now is the first one I signed up for myself. I got it after a long research
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 09:11:50 -0700)
    Debt Counseling For Debt Relief
    Debt counseling can be a valuable service, but before you get that far, there are some things you need to do. First, you will need to acknowledge that you have debt and or financial problems. Next, you will need to find the debt counseling service that works for you. Third, you use your debt counsel
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 09:36:46 -0700)
    Credit Card Debt Eliminators, Are They For Real?
    If you have excessive credit card debt, then you have probably not only seen the ads but been tempted to look into them. These are the ads that say you can terminate and wipe out your credit card debt legally. Before you buy into these companies, there is some information you should have that will p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 09:37:55 -0700)
    Consolidate Your Credit Cards – Lower Your Monthly Payments
    If you’re like most North American people today, you go through life carrying a fair amount of credit card debt. And if you’re like most North American people, you’re okay with that. $100 per month in repayments is fine, even if you’re paying that much on three different cards. It’s doable – you can
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 09:40:04 -0700)
    Consolidating Multiple Loans
    If over time you have accumulated multiple loans it may be wise to consider consolidating those loans into one single loan. There are a variety of ways in which this may be accomplished.

    Student Loans
    Multiple student loans must be handled in different ways depending upon whether they w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 12:13:31 -0700)
    Managing the Income Portfolio
    The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market”
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 19:15:04 -0700)
    About Credit Scores
    You may know that different businesses from cell phones to home mortgages base a large part of their decision for giving you their services is based on your credit score. This score is a number between 300 and 850 and is often referred to your FICO credit score. FICO is short for Fair Isaac Compan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 19:39:12 -0700)
    Online or In-Person, Which Should I Choose?
    Millions of people experience short term cash needs at some point. Different people choose different solutions. Some use their credit cards. Some are lucky enough to have reserves of cash. You’ve chosen a payday loan. Now you’re faced with a choice of whether to get your loan in person or onlin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 20:56:48 -0700)
    Eliminate Credit Card Debt - 3 Reasons To Use A Debt Reduction Company Online
    An online debt reduction company can offer you all the services of a traditional debt consolidation company from the convenience of your home. You can shop for the best fees and sort through the scams all without making a commitment. In the end, you get lower interest rates on your bills with an age
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 20:57:37 -0700)
    Debt Consolidation Services - 3 Things To Watch Out For With Debt Consolidation Companies
    Debt consolidation services can provide a valuable service by lowering your interest rate with creditors, enabling you to pay off your unsecured loans and bills in a short period. However, there are companies that would rather take your money than help you. To avoid such scams, watch out for the fol
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 21:09:26 -0700)
    Debt Consolidation Company Information - Compare Debt Consolidation Companies Online
    Not all debt consolidation companies are the same. Some are in the business of offering you a service to pay off your bills and clean up your credit history. Others take advantage of your situation and scam you out of your money. To protect yourself from such companies, compare programs based on the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 21:11:19 -0700)
    Debt Help - Debt Consolidation Loans Versus Credit Counseling
    Debt consolidation loans are a do-it-yourself process, whereas credit counseling helps you to make financial decisions. If you already have a financial plan, then you probably don’t need the services of a credit counselor. However, if you have questions or need help with a budget, a credit counselor
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 21:18:23 -0700)
    Reduce Your Debt - How To Use Debt Consolidation To Get Yourself Out Of Debt Permanently
    Debt consolidation can get you out of debt permanently if you make it part of a financial plan. Within five years, you can have your unsecured loans paid off and on your way to debt-free living. The key is to plan for the future.

    Get Your Bills In Order

    If you are in the hole with
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 21:22:12 -0700)
    Bad Credit Debt Consolidation - What Are Your Options To Reduce Your Debt With Poor Credit?
    To reduce your debt with a poor credit history, you have several options. While none will solve your credit problems overnight, they can help you get on better financial ground. A debt consolidation loan can help you reduce your monthly payments, while lowering interest rates. A debt consolidation p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 22:03:53 -0700)
    What’s the .382 Fibonacci Ratio in Forex Trading?
    It was mentioned in a past article that Fibonacci forex trading is the basis of many forex trading systems used around the world by profitable forex traders. These systems are all based on the famous Fibonacci ratios (.236, .50, .382, .618, etc.) and each of them can specialize in a particular ratio
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 22:13:16 -0700)
    Two Reasons Why Many People Participate In Forex Trading.
    Forex trading is one of those great money making opportunities everyone talks about these days. People from many walks of life, men and women, decide to join the forex trading world everyday looking for the great style of life a profitable forex trader can achieve. Need to know some reason why yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 22:24:50 -0700)
    Three Reasons Why Forex Trading Is Great.
    As a Forex trader you will always be attempting to make more profits than losses from the fluctuations of exchange rates between currencies in the forex market; in short, this is what is called forex trading. The good news is that nobody is going to ask you for a diploma, or somehow verify the amoun
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 14 Dec 2005 22:40:58 -0700)
    Working Capital & Cash Flow Solutions: Should I Borrow From A Bank?
    Recently, my newspaper reported that a local bank “...earned a four star excellence rating for the sixty-fourth consecutive quarter.” That’s sixteen years of four star excellence! The article went on to say that the “rating is based on a complex formula that includes …capital safety levels, quality
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 09:10:07 -0700)
    The Ease Of The 1 Hour Payday Loan
    If you find yourself strapped for cash, and it’s a few days away from payday, you have an option. There are times when taking out a payday loan is a quick, easy, and even sensible solution to your problem. If you are in danger of bouncing a check, or if you need to make a payment on a bill that is d
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 21:25:49 -0700)
    Personal Loans For Self Employed Applicants
    Many people are attracted to the benefits of self-employment, from setting your own hours and being your own boss to having control over the development of your business and career. The control over your lifestyle and work is a good reward for the risks involved in setting out on your own. But there
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 22:41:44 -0700)
    Life insurance – How many cigarettes are too many?
    Many consider that smoking the odd cigarette every now and again socially will automatically place them into the non-smoker category, but recent research has discovered that this is almost certainly not the case where most life insurance providers are concerned. One policyholder discovered that h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 22:49:09 -0700)
    Personal Loans: Getting The Best Deals
    There are certain things that you can always count on. Paying interest on loans is one of them. But there are certain things that you can do to minimise the amount of interest you do pay on loans.

    Everyone has to borrow money at some stage in their lives. Most of life bug decisions will in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 22:56:37 -0700)
    Auto Loans with Bad Credit
    Certain types of loans are very hard to get approved for if you have bad credit. For example, if you have poor credit, getting approved for an unsecured loan or unsecured line of credit is out of the question. However, there are also types of loans that are not difficult for poor credit applica
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 15 Dec 2005 23:45:57 -0700)
    Debt Options
    Debt Consolidation Options Consumers today are bombarded with various types of offers and programs to help them with debt consolidation. From Debt Management / Credit Counseling to bankruptcy to debt consolidation loans, the amount of options out there can be confusing at best. Here is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 02:39:08 -0700)
    The Right Time To Pay-Off Your House Mortgage
    If you are in dire need of money and don't have the financial means for a large cash transaction to buy a house, then opting for a home mortgage is worth consideration.

    Basically, a mortgage refers to a long-standing credit that a debtor obtains from a financial institution or from a prope
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:25:09 -0700)
    The Fair Credit Reporting Act (FCRA) And You
    Your credit report gets viewed by other people besides credit grantors. Potential employers and insurance companies can deny you employment, auto and home owner's insurance based on your credit report. Understand your rights protected by The Fair Credit Reporting Act.

    No matter what many cr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:27:39 -0700)
    The Credit Repair Organizations Act (CROA) And You
    If you have negative information in your credit file, as reflected by the Big Three reporting companies, Experian, Equifax, and TransUnion, proves to be accurate, there is little you can do about it. Only the passage of time will guarantee that information's ultimate removal from your file. The repo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:30:20 -0700)
    Need Credit Repair Help? Try Doing It Yourself!
    No matter what many credit counseling scam artists may try to tell you, no one can legally remove any information that is up-to-date and accurate from your credit report. They can't do it, and you can't do it yourself. However, you CAN request an investigation of anything you find in your credit fil
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:47:25 -0700)
    Immediate Steps To Improving Poor Credit
    Credit can be a wonderful thing, but it can also be a dangerous pitfall, with disastrous results, when it gets out of control, even it happened through no fault of your own. If you find yourself overextended, here are some ideas for improving your credit.

    The first step is to acknowledge yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:51:03 -0700)
    How To Establish Credit
    It's been a Catch-22 dilemma, especially for young people, since the dawn of the Credit Age. You want credit, but you can't get credit because you've never had credit before. It's a situation everyone faces as they begin to try to become creditworthy.

    In order to qualify for a credit card,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 07:55:04 -0700)
    What Does FICO Mean To You?
    Although it may not be a term you're familiar with, the term FICO can be a determining factor as to whether or not you qualify for a credit or loan. But what is FICO, and how does it affect you when it comes to your creditworthiness?

    The acronym FICO actually stands for Fair Isaac Company,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 11:21:41 -0700)
    Just How Important Is Income Protection In This Unpredictable Life Of Today?
    Despite the fact that the world we live in has become increasingly unpredictable and dangerous to live in, most people still do not think too much about the protection of their current and future income. At least not until it is already too late and the damage has already been done. Many people a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 11:39:21 -0700)
    Why Income Protection Insurance Makes Even More Sense To Employers
    It is interesting how group income protection is rising in popularity by the day in the corporate world. It just goes to show that the protection of an employee’s income is important to both the individual and the employer. In fact in some cases it may impact the company much more than it impacts th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 12:03:09 -0700)
    Advantages of Income Protection Insurance
    Sudden illness or injury from an accident to a member of staff can cause plenty of havoc and anxiety at an organization, even in the most stable and established of companies. Although both the employer and the employee suffer serious consequences in the event of the latter being unable to work fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 12:29:57 -0700)
    Mortgage Regrets That Are Best Avoided
    In any person’s lifetime, it is unlikely that they will ever make any financial commitment that will be larger than that of their mortgage. Yet not many take the trouble to ensure that they have taken all the necessary precautions to make sure that he biggest financial deal of their lives goes throu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 13:22:17 -0700)
    Moving Averages Basics And How They Help FOREX Traders.
    With Forex trading becoming a more extended and desired occupation for lots of people around the world, living with the desire of working at home and still having the ability to gain a full time income, the need for accurate trading systems and techniques has become a major necessity for all these n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 13:23:59 -0700)
    Moving Averages Basics And How They Help FOREX Traders.
    With Forex trading becoming a more extended and desired occupation for lots of people around the world, living with the desire of working at home and still having the ability to gain a full time income, the need for accurate trading systems and techniques has become a major necessity for all these n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 20:06:46 -0700)
    Investment Formulas - What Purpose Do They Serve?
    What exactly does a formula do? A complete detailed explanation can be as vast and complex as each individual investor and is beyond the scope of this article but a brief summary of a formula's usefulness would include the two primary functions it fulfills.

    First, over a full market cycle,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 16 Dec 2005 20:09:08 -0700)
    Investing - How To Profit Using Formulas
    A classic Wall Street yarn, concerning a young man who was in the early stages of learning to be a professional speculator goes something like this. The young man had a problem, so he went to an elderly gentleman noted for his shrewd investment judgment, for advice. The young man had taken on quite
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 17 Dec 2005 03:01:15 -0700)
    Selecting The Right Credit Card
    Not all credit cards are created equal. There are many various types of credit cards, and if you are looking to apply for a credit card, it may be difficult to decide which type of card is best for you.

    In this article, we will look at several popular types of credit cards, to help you fig
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 17 Dec 2005 06:53:59 -0700)
    Debt Reduction
    If you feel like you are swimming in a sea of credit card debt, you are not alone. This fact probably will not make you feel any better, but the fact that you have lots of company means that there are a variety of debt reduction strategies and debt consolidation services you can use to get back on s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:12:19 -0700)
    Simpler Solutions For Managing Your Money
    Let’s face it, coming up with smart and simple ways of saving money takes thinking that is a bit more creative.

    Use some of these shortcuts to managing your finances. They are guaranteed to save you time and money.

    Trick your mind into saving

    Can’t always come up with whe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:14:27 -0700)
    How To Get Your Payday Loan Cheap
    Its no secret that Payday Loans are expensive. Payday loan fees and interest are about 5-10 times more than that of a credit card. The benefit to using a payday or cash advance loan is that you can get the cash fast and the loan approval process is relatively quick. There is no credit check, so that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:22:13 -0700)
    Debt Consolidation - Types Of Help Available For Unsecured Debt Consolidation
    There are several types of help available for unsecured debt consolidation. You can choose to take out a debt consolidation loan to lower your rates and payments. You may also choose to use a debt consolidation programs, letting a third party deal with your creditors. And finally, you can turn to a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:24:48 -0700)
    The Payday Cash Loan – Interest Rates Versus Flat Fees
    More and more cash advance lenders are charging flat fees instead of interest rates. This has been in response to increased state regulation. By charging a flat fee, lenders can avoid some of the caps put in place by some states.

    Comparing Interest Rates

    Interest rates for payday l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:26:35 -0700)
    Fast Payday Advance – Know Your Rights
    A payday loan can offer a quick fix to a short term financial emergency. However, you want to be sure that you don’t get taken in by a shady lender. So know your legal rights before you sign any paperwork.

    Your Rights

    Payday loan lenders must abide by both federal and state laws. S
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:41:04 -0700)
    The Quick Payday Loan – Taking A Look At The Loan Agreement
    A payday loan will require you to sign a loan agreement, just like with any type of loan. Before you sign though, you should take the time to read through all the fine print. Not only will you learn your rights, but there is also valuable information to be found in the forms.

    Lender’s Conta
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:43:21 -0700)
    Payday Cash Advance – Understand The Fees
    Cash advance loan fees can be somewhat difficult to understand at first. First you will be given an APR rate for the year, but cash advance loan terms are only for 1 to 30 days. Then you have fees that are separate from the interest rates. All of it can seem confusing unless you understand the purpo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:45:12 -0700)
    Instant Payday Loans – How They Work
    A payday loan allows consumers to borrow up to $1000, depending on their state’s laws and the consumer’s monthly income. Payday loans are intended to be short-term loans, helping get through a financial emergency until your next payday. Online payday loan companies add convenience to the process.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:58:03 -0700)
    New Business Credit Card - Managing Cash Flow With A Business Credit Card
    A business credit card can help you manage your company’s finances more efficiently. With a line of credit, you can handle cash flow issues, keep track of expenses, and qualify for deals and discounts.

    Manage Cash Flow

    Cash flow is always an issue with businesses. Bills are due whi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 02:59:59 -0700)
    The Easy Payday Loan - Why Payday Loans Are Easier To Get Than Credit Cards Or Personal Loans
    Payday loans are easier to get than credit cards or personal loans since there is no credit check involved. And because payday loans are meant for a short period, usually 30 days or less, payday companies don’t require an extensive background check.

    No Credit Checks

    Credit checks t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 03:13:53 -0700)
    Payday Loan Company - Compare Payday Loan Companies To Get The Lowest Rate
    Payday loan companies vary in the rates they charge customers. You can find low rates by comparing the offers of payday loan companies. The annual percentage rate (APR) is an easy tool to find who has the best deal. You also want to take a look at payment plans to make sure you don’t get taken in by
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 03:14:52 -0700)
    Fast Cash Payday Loan - How Expensive Are Payday Loans?
    Payday loans offer fast cash with no credit checks for relatively small finance fees. The important thing to remember with rates is that you are only paying them for a few days, not years. In the end, you should be paying fewer finance fees than with a credit card or loan. However, if you roll over
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 04:18:59 -0700)
    Educate Yourself To Amazing Car Finance
    When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 04:34:48 -0700)
    Eliminate Your Credit Card Debt Forever-Without Stress
    In recent years, the amount of credit card debt being carried by Americans has reached hundreds of billions of dollars, with interest payments each year that would sink the economies of many small nations. But you can eliminate your credit card debt forever, even if everyone around is stuck in an en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 05:02:43 -0700)
    Easy Ways To Handle Bank Foreclosure
    Recently, my significant other and I found ourselves facing bank foreclosure on our home. We knew it was coming. We had missed several mortgage payments while we were laid off from our jobs at the mine. Stupidly, we decided not to communicate our problems to the bank. We tried to make do with part t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 05:32:25 -0700)
    Easy Credit Repair Done Yourself
    We all know that credit is important, but what should we do if we are in need of credit repair? I know if were to find that my credit was in trouble, I would want to solve the problem myself rather than pay someone to do it. Credit repair is a serious thing since your credit determines so much of yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 05:54:12 -0700)
    Deciding To Consolidate Debt?
    What is the point of consolidating debt and when should you do it? What are some of the options for consolidating debt? At some point in their financial lives, many people ask these questions. If you have been pondering these thoughts, read on.

    Consolidating debt means different things to d
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 07:05:59 -0700)
    Six Reasons Why Real Estate Investors Should Buy In December
    December and New Year's Day give home buyers and real estate investors the perfect occasion to buy real estate. Not only can you pick up a bargain property from a motivated seller, you can save on your purchase expenses.

    1. Home shoppers put off looking for a home because of holiday decorat
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 18 Dec 2005 14:00:40 -0700)
    A Home Equity Credit Line
    =================================================== 1 way to borrow against the value of your home is a home stock line of credit, which is a form of revolving credit where your home serves as collateral. With a home stock line, you will be approved for a specific amount of credit -- your credi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 09:37:31 -0700)
    E-Currency: If Forest Gump Was Here, This Is What He Would Be Doing
    So you want to learn currency exchange huh?

    You heard about it and now you decided you want to become the Donald Trump of investing, somehow you know you can pull this off and become the next big thing.

    Well it's quite possible to earn a very good living doing exchanges, but you ha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 09:49:58 -0700)
    101 Cash Advance Uses - Use #17: Car Repairs
    Car problems – is there anything more frustrating? Whether you just bought the car of your dreams or you’ve been in the same vehicle for longer than you can remember, nobody likes it when they hear that indescribable sound followed by smoke followed by the promise of an outlandish repair bill at the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 10:12:32 -0700)
    E-gold Investing: Make Money With Currency Trading
    Many people are already starting to pay attention to the newest online trend: E-gold investing.

    E-gold investing is a all about a system that allows you to profit from the money that is being traded everyday on the internet. What you're doing when you are trading e-gold (or e-currencies) is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 20:28:28 -0700)
    Student Debt And Student Loans
    The statistics show that more and more students are graduating from university with significant debt. The debt levels are growing year on year and many students will be paying them off for years after they graduate. It seems that the consumer addiction to credit and spending has effected the student
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 20:56:10 -0700)
    Life Insurance – Smokers And Overweights Pay Over 50% More!
    The life insurance industry is becoming tougher on smokers and those of us who are overweight.

    When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. (Or with Critical Illness Insurance, the risk that you will become criti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 21:05:33 -0700)
    Loan Cover – Watch Out For Payment Protection Sharks
    The Financial Services Authority (FSA) has been investigating the way Payment Protection Insurance is being sold by loan providers which include some of the UK's biggest banks and building societies. And it's big business. Sales of PPI as it's called, earn lenders more than £1billion a year.
    <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 19 Dec 2005 21:24:00 -0700)
    A Good Credit Report – The Key To Cheap Finance
    Is your credit report important? There are a lot of people who would not consider their credit rating as something too important to them in their life. There are others who, while recognising its importance, would not be overly concerned about the issue or understand the reasons for its importance.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 05:46:43 -0700)
    A New Wall Street Line Dance: Performance
    It matters not what lines, numbers, indices, or gurus you worship, you just can't know where the stock market is going or when it will change direction. Too much investor time and analytical effort is wasted trying to predict course corrections… even more is squandered comparing portfolio Market Va
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 12:58:09 -0700)
    Loan cover – watch out for Payment Protection Sharks
    The Financial Services Authority (FSA) has been investigating the way Payment Protection Insurance is being sold by loan providers which include some of the UK's biggest banks and building societies. And it's big business. Sales of PPI as it's called, earn lenders more than £1billion a year. PPI
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 13:19:07 -0700)
    Keyman Insurance – Protect yourself against some of your biggest businesses risks.
    As a businessman you might have public liability insurance and you insure your buildings, stock and vehicles. You may even have professional indemnity insurance and legal cost insurance. Is that all? What about your other primary assets – your key staff? Key staff represent the heart of every bu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 13:35:57 -0700)
    Calling all smokers. A dream ticket for two to Paradise Island - for all of you!
    Sorry to remind all you died in the wool smokers but November was Lung Cancer Awareness month. But no don't click away – spare a few moments of your time, please …….. If hard words on packets wash over you, let me put the financial case to you for quitting. As well as feeling healthier I can off
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 14:03:12 -0700)
    Memo to myself – I need Keyman Insurance
    Last month I had to drive down to London. I don't like driving at the best of times but the rain, spray and heavy traffic on the M1 made conditions difficult. Radio 2 kept me company and the heater kept me warm. Then I hit that queue - six miles solid and I was soon an hour behind schedule. They
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 14:32:43 -0700)
    Life Insurance – Smokers and Overweights pay over 50% more!
    The life insurance industry is becoming tougher on smokers and those of us who are overweight. When an insurance company calculates its premiums, it has to work out the risk of you dying whilst the policy is in force. (Or with Critical Illness Insurance, the risk that you will become critically
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 15:31:30 -0700)
    Car Loans for Students
    Are you sick of public transportation? Perhaps you are tired of having to walk to class in wet, cold weather? Maybe you need a car to get to and from a new job that you just started. If you are a student seeking an easier means of getting around, there is answer! You can apply for a student car loan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 19:47:47 -0700)
    Car Finance
    These days when you step into a car showroom, there will be two major things that the dealer will be offering you. First he will be offering you cars, and secondly he will be offering you finance packages. This is how you should look at it. The fact of the matter is you may probably wouldn’t buy a c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 23:53:02 -0700)
    Credit Card Interest Rates - Why It's Important To Understand How They Work
    Einstein put it best when he said, "Compounding interest is the greatest mathematical discovery of all time". Now the question you need to ask is, "Do I want this force working for me or against me?" If you own a credit card and you carry-over balances from month to month then you've got that amazin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 20 Dec 2005 23:55:16 -0700)
    Credit Card Payment Holidays - Blessing Or Curse?
    If you have a credit card (most Americans have over 10) then you've probably received an offer called a "payment holiday". You'll receive a letter that says something to the effect, "That because XYZ Credit Card Company understands how difficult it is for some families around this time of year to ma
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 03:00:02 -0700)
    THE TALES OF THE 0% APR CREDIT CARD
    People used to think that they had enough on their benefits with their credit cards. They thought that the rewards they get and the low interest they have is already enough to last a lifetime. However, there are instances when they get to have the chance of seeing promotions like 0% APR. Now,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 03:18:06 -0700)
    Online Credit Card Application: the Easiest Way to a Customer’s Heart
    Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 03:20:05 -0700)
    Online Credit Card Application: the Easiest Way to a Customer’s Heart
    Many credit cards are offered in the market today thus, making companies more aggressive in advertising and marketing their card services. These companies (e.g. banks, department stores, specialty stores, airlines, hotels, etc.) have found a powerful tool in catching the attention of prospective car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 03:32:41 -0700)
    Cash It Back with Credit Cards
    What is a cash back credit card? A cash back credit card gives annual rebates or gives back money to the card holder based on how much have been purchased with it. This type of credit card is suitable for those who rarely use cash in their transactions. The rebate is computed as a percentage
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 10:19:11 -0700)
    Knowing The Facts About A Quick Cash Advance
    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 advanc
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 11:55:34 -0700)
    Planning For Every Expense
    Making a budget for a home business start-up is more of an art than it is a science. No matter how exactly you think you’ve pinned down all your expenses, it’s guaranteed that more will appear that you either didn’t think of or just couldn’t have predicted. That’s why you need to make sure that you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 20:47:16 -0700)
    Short Term Health Insurance
    If you are between jobs or are awaiting another health insurance policy to come into effect you may find that you have a gap in your health insurance coverage. This period is a high risk as you are effectively uninsured when it comes to health insurance. So what are you to do in this interim period?
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 22:00:09 -0700)
    Travel Insurance – Insurance For The Over 65's
    According to a survey published by Mintel, one in three pets needs an unexpected visit to the vet each year. This means that you are more likely to claim on your pet insurance than on a home & contents policy or even your car insurance.

    The word “unexpected” is important here. If you are l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 22:04:53 -0700)
    Health Insurance – It's Important To Know What's Not Insured!
    Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn't. If you expect health insurance
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 22:48:15 -0700)
    What Is A Secured Loan
    What do you think is the biggest concern of banks when they lend you money? Well, cautious and conservative as they are, what banks fear most is that you wont be able to pay back the loan. It is not so much a question of trust, if you try to get away from them, they’ll hire a debt collection agency
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 21 Dec 2005 23:52:05 -0700)
    Refinancing Your Home
    How old is your mortgage? If you took out your mortgage more than a couple of years ago, it may be a good idea to consider refinancing the loan. As house prices continue to rise you may be able to get a considerably better rate. Your mortgage rate will depend on many factors such as the value of you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 02:18:30 -0700)
    Paperless Payday Loan - Points To Consider With A No Fax Payday Loan
    Paperless payday loans subtract the paperwork hassle from the application process. But, you still must meet the payday loan company’s requirements to be approved. They may also delay your approval if your information has to be verified by hand. A lender with good customer support will ensure a quick
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 02:19:18 -0700)
    Refinancing Costs - What To Expect
    Refinancing your current mortgage is a wise financial decision if you can recoup the costs of a refi. An average refinancing deal, you can expect to pay between two and six percent of the loan amount if fees and points. On average if you can lower your interest rate by two points, then you will usua
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 02:27:27 -0700)
    The Best Credit Card - Shopping For A Credit Card
    Credit cards are just like any form of credit, you should shop around to find the best deal. Depending on your situation, you may want to find a card with low rates, a reward program, or a 0% APR for transfers. Make sure you look at several credit card companies to find the best deal for you.
    <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 02:29:50 -0700)
    Credit Card Reward Programs: Getting The Most Out Of Your Credit Cards
    Credit cards can earn you cash, airline miles, or rewards. To get the most out of your credit card company, you have to choose the right program and use your card often.

    Pick The Right Program

    Do you want a free trip to Hawaii or cash at the end of the year? Credit card companies o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 02:34:59 -0700)
    Bad Credit Credit Card - How To Increase Your Credit Score With Credit Cards
    Credit cards are often the first step for a consumer to build their credit score. When you make regular payments with a small credit limit, lenders will be more willing to lend you larger amounts. Before you jump out and open an account, make sure you don’t have too many credit lines open or otherwi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 06:59:55 -0700)
    Creating A Trade Show Budget
    Setting up a display at a trade show is expensive business. You have to rent the space, create a display, promote it, stock it, and staff it. Before you decide to get involved, take a serious look at the costs of all of these components.

    Start planning well ahead. You already know this, rig
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 07:02:19 -0700)
    Avoiding The Sound Of Jingle Bills
    The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, "non-elderly vulnerable groups, particularly disabled people, whose difficulties in relation to fuel poverty have bee
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 07:52:07 -0700)
    Different Kinds Of Investments
    These days, you can’t retire without using the returns from investments. You can’t count on your social security checks to cover your expenses when you retire. It’s barely enough for people who are receiving it now to have food, shelter and utilities. That doesn’t account for any care you may need o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 12:01:32 -0700)
    Finding Lost And Unclaimed Superannuation.
    Thousands upon thousands of Australian employees and employers have billons of dollars in unclaimed or lost (superannuation) Super.

    So how do you know if you are one of the 4.3 million Australian with unclaimed or lost Superannuation, who have every right to claim this pool of almost 4.3 b
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 12:09:39 -0700)
    Flood Insurance
    There are many risks that people are accustomed to insuring against. These will include, health insurance, auto insurance and fire insurance. There are others that are less familiar, such as dental and flood insurance but there are many reasons why you should reassess the insurances you currently ha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 12:10:37 -0700)
    Student Health Insurance
    Health insurance is increasingly important. With the rate at which medical expenses have continued to rise over previous years, and the reductions in government funded health care programs, being without health insurance is less an option today than ever. Many young people have never had to think ab
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 22 Dec 2005 15:02:24 -0700)
    The Domino Effect, Surety Bonds And The Economy
    I have written many articles about the hard surety bond market. To my surprise, many want to know more details as to how we got to where we are at. Like all industries, the surety bond industry is heavily influenced by the economy. We can all remember the strength of the US economy at the end of the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 23 Dec 2005 09:23:19 -0700)
    Hard Times In The Surety Bond Industry
    The surety bond market is currently a very conservative market. Contract and commercial bond departments throughout the nation have tightened up their underwriting practices due to enormous loses throughout the industry. Many sureties have had to close their doors, other have had their ratings drop
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 24 Dec 2005 19:33:28 -0700)
    The Right Way to Get a Credit Card
    If you are like the rest of us, you are probably bombarded on a daily basis with credit card offers. Most are from Visa, Master Card, American Express, or Discover, and, often times two or three from the same company. I’m sure you have even heard the stories of dogs getting credit card offers. So
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 24 Dec 2005 22:01:16 -0700)
    Insurance: The Common Insurance Points
    Most people will be familiar with insurance in some form or another. We all have taken out home insurance, car insurance or credit insurance among others. Insurance contracts are long and complex documents with a lot of small print. Sometimes even a lawyer would get lost in the complexities involved
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 24 Dec 2005 22:17:49 -0700)
    Cheap Equity Loans
    Since the slump in house prices during the early-to-mid 1990s, millions of UK homeowners have seen the value of their property rise by considerable amounts. This has made many a UK homeowner equity rich and, on paper, very wealthy. But, with all the equity tied up in their home the reality of the si
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 24 Dec 2005 22:18:32 -0700)
    Personal Loans Uk
    The UK is a nation of debtors. It is estimated that 15 million people in the UK are struggling with personal debt, while in 2004 some 46,000 people filed for bankruptcy with personal debts running at an average of more than £50,000. Despite these figures though, we continue to borrow on loans and fi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 24 Dec 2005 22:19:11 -0700)
    Personal Loans
    The UK is a nation of debtors. It is estimated that 15 million people in the UK are struggling with personal debt, while in 2004 some 46,000 people filed for bankruptcy with personal debts running at an average of more than £50,000. Despite these figures though, we continue to borrow on loans and fi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 04:26:11 -0700)
    Low Interest Payday Loan - How To Figure Out The Apr Of A Payday Loan
    The annual percentage rate (APR) of a payday loan is a helpful tool to compare rates of lenders. According to the “Truth in Lending Act,” passed by Congress, payday companies are to provide you with the APR. Some companies list this information on their site, while others only provide the fee amount
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 04:30:34 -0700)
    Instant Cash Loans – Avoiding High Fees
    You have heard the stories of people taking out a cash advance only to owe more in finance charges than in principal. You can’t help but ask – how did this happen? Will it happen to me? You can avoid such situations if you shop wisely for a cash advance company and pay your loan on time.

    Ro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 07:57:18 -0700)
    Credit Card Safety Tips
    Credit cards are one of the great conveniences of modern life. They eliminate the need to carry around large amounts of cash for large purchases or emergencies. They make it possible to make online and mail order purchases without having to wait for the post office to send your check to the mercha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 09:55:19 -0700)
    Hummer limousines
    The Hummer limousine is the ideal vehicle for a fun night out, for proms, for the bachelor party, for your best friends’ bridal shower, for the exclusive weddings and so on. When you rent a hummer limousine you can have it fitted to suit the specific event perfectly. A Hummer limousine is up to 38 f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 12:15:16 -0700)
    Five Steps to Getting a Payday Loan Today
    Five Steps to Getting a Payday Loan Today Once you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 13:10:31 -0700)
    The Bad Credit Card That May Do Good
    Millions of people use credit cards all around the world. A huge chunk of those users made mistakes when dealing with their credit cards. The consequence of the errors is costly. A lot end up in debt and most of the time these are the people who rant about the credit card being the devil. But fac
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 13:26:09 -0700)
    Know How to Get the Best Credit Card Deal
    Getting your own credit card is not as easy as you may think. Applying for a credit card account needs a lot of thinking. Before marching down to your credit card agent, ask yourself some questions like do you want to pay for the credit every month or carry a balance instead? The type of credit l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 13:45:13 -0700)
    THE BEST CREDIT CARD REWARD: FOR THOSE WHO HAD BEEN NAUGHTY AND NICE
    Think about it. If people would normally pay all their credit card balances in time, then what is the purpose of interest rates? None. And how will people get the benefits that their credit card company claims? It is through the credit card rewards. These are freebies or prizes designed to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 13:57:37 -0700)
    Options for the Best Credit Card
    Consumers who want to maximize their options on a credit card should first find out all the terms and related costs associated with a particular card. For those who feel that the best credit card is one that is low-rate and no-frills, they should determine if the card has annual charges, as no-frill
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 14:07:27 -0700)
    10 Cons of an International Credit Card
    Credit card fraud is a fast increasing crime in the world. International Credit Card holders are mostly the victims of this unauthorized access to their accounts. Let’s take a closer look of the problems faced by international credit cards. 1. Repetitive use of credit card numbers. After a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 14:22:09 -0700)
    How Do You Know If Your Credit Card Agent Is the Best?
    Since you are the customer, there must be a glut of credit card agents constantly hounding you day-in, day-out. They may try to cram all their pitches in hour long phone call marathons or minute long infomercials and may run the gamut of personalities from friendly to annoying, smart to eccentric. B
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 14:36:40 -0700)
    Credit Card Debt Consolidation
    Credit cards have revolutionized the purchasing experience since Diners Club released the first credit card in 1950. It gave consumers limited credit that, at times, even surpassed their own personal savings. It allowed them to buy items they cannot usually afford with a straight cash purchase.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 14:48:58 -0700)
    Credit card debt management
    Credit cards that are used in moderation could be helpful in managing your finances. This means that splurging through the use of credit cards is almost financial suicide. Here are few tips to manage the way you use your credit card to prevent you from acquiring debts that could lead to your fina
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 15:04:31 -0700)
    Credit Card Instant Approval
    Credit card applications nowadays have begun to provide clients with an instant approval feature. Meaning, the person applying for a credit card would easily know whether he or she is eligible for applying. This process of instant approval is basically used online or through the internet. To be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 15:22:20 -0700)
    Credit card with a low interest rate
    Before you choose a credit card it would be wise to first find out the interest rates offered by all the credit card companies and banks. While you compare credit card companies and banks, take note of the ones with low interest rates and offer the best benefits. Don’t miss the fine print as that is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 18:16:07 -0700)
    Credit card services and why we need those little cards
    Practically everyone in the United States has credit cards. From teenagers to retirees, almost everyone has at least one credit card. Everywhere we go we see ads - in the television, radio, newspapers, billboard advertisements - on credit cards. Some credit cards are even mailed directly to our home
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 18:47:48 -0700)
    Credit card debt
    Do you have a hard time paying your credit card bills? Starting to get notices from waiting creditors to pay? Worried that you might lose your properties like your house because of credit debt? Chin up: Dealing with credit card debt is not as hard as you may think. If there's any consolation, y
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 20:24:03 -0700)
    Reverse Mortgage Fears
    Estimates indicate that there is a target population of some 8.8 million senior households that both qualify for and are good potential candidates for HUD's home equity conversion mortgage (HECM)program. (Under an HECM loan, a lender advances money to a elderly homeowner, in the form of a series of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 21:24:31 -0700)
    Debt Reduction Program And Slowing Your Spending
    The best idea available to any individual or business for debt reduction program is to slow your spending. There are two important factors to be remembered for debt reduction and slowing spending. First one is commen sense - Stop adding to your debts. If you continue to rack them up, you may never g
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 21:49:06 -0700)
    Types Of Healthcare Plan
    There is a lot said about health care these days. With costs rising and no end in sight there is a bigger need than ever for everyone to have the coverage of a health care plan. Health car plans are basically like insurance that helps you cover medical costs. Like any insurance they are sometimes di
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 25 Dec 2005 22:05:13 -0700)
    What Sets A College Student Credit Card Apart From Other Credit Cards
    With college student credit card that today, most parents contend that it is okay to let college students obtain their very own credit card. Not only because they want to let their kids manage their finances alone but also because having credit cards or a credit history for that matter is extremely
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 26 Dec 2005 06:48:12 -0700)
    Quick Cash Loans – The Real Cost
    So many numbers are thrown around when talking about cash advances, also called payday loans, that it can be hard to know what the real cost is. What you actually pay for your payday loan is usually a financing fee rather than an interest rate. APR is used to compare the yearly cost of such a loan,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 26 Dec 2005 06:52:53 -0700)
    The Payday Company – Things To Look For To Avoid A Shady Payday Loan Lender
    Payday loans aren’t just found at your local pawnshop; large financial companies are also in the business. Banks, credit unions, and financing companies offer services in this subprime lending market. There are also companies that conduct scams. Often these are operated overseas.

    Who’s Offe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 07:54:53 -0700)
    All The Truth Around E Currency
    You keep on listening about this profit pulling business that requires no marketing or selling, merely an hour a day (at the most) and no special skill.

    Yeah right!

    At least that's the 1st perspective it gives any person that has been in the internet for some time.

    But Le
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 04:51:49 -0700)
    Home Equity Loans Online - Types Of Home Equity Loans
    A home equity loan allows you to tap into your property’s value to pay off short-term debt, remodel, or pay for college. There are several options for drawing on your equity, each with their own benefits and drawbacks. No matter which option you choose, interest is still tax deductible.

    Ref
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 04:52:51 -0700)
    Fast Cash Loans – How They Work
    A payday loan allows you to receive a cash advance based on the expectation that when you are paid, you will pay the lender back. Finance fees vary between payday loan companies, so it is best to investigate several lenders before filling out an application. Once approved, you can receive your money
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 04:53:41 -0700)
    Best Home Mortgage Loan – What To Look For In A Mortgage
    With a credit score of 680 or higher, you have a plethora of home loan options. Basically, you can choose your terms, but you want to make sure you find the best financing package. That means looking at financing costs, terms, and lenders.

    Financing Costs

    The most competitive mortg
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 05:02:47 -0700)
    Home Loans For People With Very Bad Credit - Improve Your Chances Of Getting Approved
    If you have bad credit and are looking for a home loan, there are a few things you can do to improve your chances of getting approved and to help you get a reasonable interest rate.

    Apply Online - The internet has a few companies that will take your application and submit it to hundreds of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 05:04:41 -0700)
    Subprime Mortgages – How Large Of A Down Payment Do You Need?
    Subprime mortgages offer more flexibility with down payments than conventional home loans. You can choose to put nothing or over 20% down. And with a subprime mortgage, you don’t have to worry about paying private mortgage insurance.

    Zero-Down Mortgages

    Zero-down mortgages allow pe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 05:06:26 -0700)
    Tips On Refinancing Your Home - When To Convert To An Arm
    Common advice tells borrowers they should refinance their adjustable rate mortgage (ARM) to a fixed-rate mortgage. However, there are times when it makes better financial sense to do the reverse. The prime reason is that an ARM provides lower rates.

    Low Interest Rates Of An ARM

    An
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 08:37:47 -0700)
    New Year Home Budgeting
    The pre-Christmas period is the peak time of the year for retail sales, and many department and other stores depend on a successful Christmas for their annual profits. There is another side to that coin: the same period is also the peak time for consumer spending. A surge in consumer spending often
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 08:52:14 -0700)
    Forex And Commodities Futures And Options. What To Know Before You Trade.
    The popularity of trading futures and options has been growly rapidly for several years. The ease of accessing constantly updated data online has prompted an increased fever by day traders to attempt to be successful and make money in this risky investment area. Individuals can now trade these marke
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 10:24:31 -0700)
    Credit card applications
    When applying for a credit card it is always a good idea to know your personal credit score, since this will affect your ability to negotiate beneficial terms for your credit. If your credit score is poor – e.g. due to unpaid bills, a habit of paying your bills to late or an earlier filing for bankr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 10:29:01 -0700)
    Credit card applications
    When applying for a credit card it is always a good idea to know your personal credit score, since this will affect your ability to negotiate beneficial terms for your credit. If your credit score is poor – e.g. due to unpaid bills, a habit of paying your bills to late or an earlier filing for bankr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 10:38:43 -0700)
    Credit card applications
    When applying for a credit card it is always a good idea to know your personal credit score, since this will affect your ability to negotiate beneficial terms for your credit. If your credit score is poor – e.g. due to unpaid bills, a habit of paying your bills to late or an earlier filing for bankr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 16:06:17 -0700)
    Interest-Only Loans Can Buy More House and More Trouble
    They're spreading like wildfire--interest-only mortgages appear to be the panacea for rising home prices and the incomes that can’t quite catch up. You can buy "more house" and have a low mortgage payment and a big tax deduction. Who wouldn’t want one, right? Well, a large number of consumers a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 20:11:44 -0700)
    Rewards Credit Cards And You
    There are many different types of credit cards. In this competitive area, many companies are now offering special rewards credit cards to bribe you to use their cards. There are numerous types of rewards credit cards to choose from. It is likely that no matter what your interests are, there is likel
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 27 Dec 2005 20:50:55 -0700)
    Student Loan Facts
    For a lot of students, a task that is even more intimidating than college itself is working out out how to apply for a student loan. While the paperwork may seem intimidating and complicated at first, there are many resources available to assist you through the process. Many colleges and universitie
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 03:15:49 -0700)
    Why You Should Never Pay To Gamble With A Cash Advance
    Being a compulsive gambler is never really a good thing. That is simple really: you don't ever want to over-gambler, especially when you can't pay for your next "fix." Compulsive gambling is a disease, no matter how you look it; and like any disease-mental or physical-you must take a practical appro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 05:04:50 -0700)
    Save Money On Products You Buy Every Day
    Shopping with online coupons can help you save money on things you use every day. Online coupons sites offers hundreds of coupons that can help you save on items such as vitamins, auto parts and children’s clothing. Best of all, there’s no sales tax. You can often find free shipping and you will sav
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:32:35 -0700)
    New Car Loans – How Much Can You Afford To Borrow?
    Before you start car shopping, first figure out what you can afford for a car payment. Look at your budget, research auto loans, and investigate lenders. Once armed with this information, you can choose a car that you can both enjoy and afford.

    Expense Of A Car

    According to the FCI
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:34:22 -0700)
    Low Interest Rate Credit Cards – Understanding The APR
    When shopping for a credit card, it is important to understand the annual percentage rate (APR) to find the best deal for your situation. If you pay off your bill every month, a no fee and moderate APR plan may be best. However, if you take out cash advances, you will want a low APR on that feature.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:35:12 -0700)
    Payday Loan Companies – What To Expect When Applying For A Payday Loan Online
    Payday loans can be processed in a matter of minutes over the internet. Within hours, you can have up to $1000 transferred into your checking account. However, you will need to provide some basic financial information to process your loan. But, requests for too much information are a warning of a sc
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:44:30 -0700)
    Fha Mortgage Loans - The Benefits Of An FHA Mortgage
    The Federal Housing Administration (FHA) insures mortgages to allow low to moderate income families to purchase their own home. With government backing, families can buy a home at a lower initial cost. However, there are limitations with this program.

    Mortgage Insurance – Section 203(b)
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:45:29 -0700)
    Get A Cheap Credit Card By Understanding The Fees
    Credit card companies charge fees of some sort or another. The key is to find a card with the lowest fees for the services you use. For instance, if you use cash advances, then investigate those fees with credit card companies before you sign up with them.

    Upfront Fees

    Not every cr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 08:46:22 -0700)
    Debt Management Plans – How They Can Help You Get Out Of Debt
    Debt management plans (DMP) consolidate your short term debts into one monthly payment. They also negotiate lower interest rates, enabling you to pay off your accounts usually in less than five years. Before you sign up with one of these companies, you want to investigate them to be sure they are le
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 09:27:57 -0700)
    Understanding The Stock Market
    Watching the numbers roll by on the bottom of your screen during a news cast might seem like nonsense to you. Those numbers are very important to many people because they make their fortune with stocks. They steadfastly watch the stock markets wanting to see how their investment is doing.

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 09:55:39 -0700)
    Home Equity Loans
    Most of us understand that when someone talks about equity they are referring to something related to finances. That might be the extent of their knowledge though and having a more than passing interest in the business of equity is a good thing.

    Equity is defined as the amount of something
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 10:03:22 -0700)
    How Do Interest Rates Work?
    One of the most confusing things about borrowing money is calculating the interest rates. Interest rates vary and when you go to take out a loan or a mortgage it might seem intimidating when the loan officer starts talking about interest rates per annum, nominal rates and market interest rates.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 10:07:15 -0700)
    What’s A Mortgage?
    Buying a home is an exciting prospect. Choosing the location, the floor plan and finally sealing the deal. There is an important element that exists in most home sales and that is the mortgage.

    Whenever you purchase a home and you don’t pay the full price in cash, you have to obtain financ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 10:58:04 -0700)
    Quick Personal Loans - Should You Get A Payday Loan?
    A payday loan is a quick personal loan without the credit checks of traditional forms of credit. It offers you a quick fix for financial emergencies, but it shouldn’t be used for long term credit. Other forms of financing offer better deals.

    Should You Get A Payday Loan?

    The answer
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 10:59:22 -0700)
    Payday Loan Companies - Are Their Rates Too High?
    Payday loan companies do provide cash at higher rates than other types of credit programs. But these rates are for short periods, so fees are often small. While payday loans are not for every credit situation, they can help during a financial emergency.

    Are Rates Too High?

    Payday l
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 11:00:20 -0700)
    Is An Instant Cash Advance Really "Instant"?
    Instant cash advances aren’t really “instant,” but they are quick. Within a matter of minutes you can have a response to your application with cash in your account hours later. These types of companies also automatically deduct your payment, so you don’t have to worry about writing checks.

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 20:57:46 -0700)
    Investing Tips For Beginners
    Investing can be confusing, especially for the beginner. Getting some basic tips can help a beginning investor to make informed choices that fit their needs. Each person has a different goal when investing and that plays a big impact on how you invest. The following list explains some things beginne
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 28 Dec 2005 21:28:45 -0700)
    Factors That Trigger Credit Card Rate Hikes
    Are credit card companies trying to scam you? On the one hand, they provide a valuable service that gives you the added convenience of being able to purchase items and services you need and sometimes don't need and to pay them off in a manner that best suits you.

    On the other hand, some cre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 01:25:57 -0700)
    Fast Cash Personal Loans - How To Get The Loan Fast
    The quickest way to get cash is to apply for a cash personal loan, also called a payday loan. In a matter of minutes your application can be approved and you can find your money in your checking account the next morning. While you are online, you can also check rates to be sure you are paying the lo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 01:26:47 -0700)
    Cash Advance Check Loans - Are Online Cash Stores More Expensive Than Offline Stores?
    Online cash stores offer a variety of rates. More often than not, they are less expensive than offline stores. Of course there are companies that offer extremely high rates, but you can avoid them if you shop around. In fact, that is one of the biggest advantages to online stores – you can compare r
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 02:16:57 -0700)
    Bad Credit Used Car Loan: When Bad Is Not Really Bad At All
    For people who have a low credit score or had encountered some serious credit problems in the past and need to buy a car, then, they have to apply for the so-called bad credit used car loan.

    Basically, a bad credit used car loan provides the debtor the chance to obtain a car. The only drawb
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 06:30:26 -0700)
    Income Tax Help
    There are many websites on the Internet today that gives much needed income tax help for those who have no idea of what's going on during tax time. Income tax is a tax paid on income, unfortunately no matter how little it is. It's paid by employees and people who are self-employed and may also be pa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 07:36:12 -0700)
    Should We Be Aware Of Pay Day Loans?
    Customers at the grocery store all recommend pay day loans as the easy solution for a lack of funds. Could pay day loans be the answer consumers with low bank accounts have been looking for? Is there any harm in using these services? Aren't they better than using credit cards?

    Paying a bil
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 07:38:45 -0700)
    2 Types Of Graduate Loans
    Normally, graduate students pay for tuition fee more than undergraduate. Therefore, the main purpose of graduate loans is to help fund their education. There are two venues in which graduate students can obtain graduate loans: the government and private entities, (who provide alternative graduate lo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 18:26:28 -0700)
    Payday Loans vs. Cash Advances – What’s the Difference?
    In the world of short-term loans, a cash advance and a payday loan are the same thing; both of these terms refer to a type of loan that is based off your next paycheck. This class of loans allows you to get an advance on your next paycheck without any real form of collateral aside from your job, and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 19:22:33 -0700)
    Tax Haven Raises Entry Price
    While Monaco is a well known European tax haven, Andorra has remained little known outside of the financial community despite enjoying the same tax advantages and arguably more private banking. In contrast to the similar financial benefits both Monaco and Andorra residents enjoy, the two small co
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 20:47:08 -0700)
    Considerations When Choosing Life Insurance
    Making the decision to buy life insurance can have a lasting effect. Without a life insurance policy your family could suffer great financial hardship when you die. Life insurance is a way to ensure that you can still take care of your family after you are gone. Knowing what considerations you shoul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 29 Dec 2005 21:25:04 -0700)
    Financial Security vs. Financial Freedom
    As you begin to embark on your journey to financial freedom, one thing that you will discover, if you have not already is that there aren't a lot of people who are going to support your efforts. You may have shared your desires with others and receive responses that may surprise you. For example, he
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 30 Dec 2005 05:20:58 -0700)
    Beginning FOREX - How Are Lots Traded & What The Heck Is A Pip?
    If you are new to Forex, no doubt you are confused by all of the strange and unfamiliar terminology. For example, what is a pip? Also, you are probably already aware that Forex trading can be risky. How can you limit your loss and best protect your funds? This article briefly covers how currency lot
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 01 Jan 2006 23:10:29 -0700)
    Getting The Biggest Benefit From Tax Help
    Taxes are a way of American life. They are own duty to pay and file. Many people go in search of someone to help them when tax time rolls around. Tax help seems to be in abundance from January 1st to April 15th. Unfortunately, some tax help is best avoided. Other times the tax help is something that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 01 Jan 2006 23:11:47 -0700)
    Types Of Student Loans
    Paying for college sometimes means using student loans. Student loans are specifically designed to help students meet the costs of a higher education. Most student loans offer good deals on tax credits, payback and interest rates. However, before getting a student loan it is important to consider th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 01 Jan 2006 23:20:52 -0700)
    Planning For Retirement
    When looking towards retirement many people just think about the joy of not having to work anymore. Unfortunately, even though a person retires they still have bills to pay. The need for careful planning is perhaps the most overlooked part of retirement. Having a set plan in place before retirement
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 02:20:41 -0700)
    Saving For Post Secondary Education
    Post secondary education is very expensive in North America and unless you are fairly wealthy will be a worry for most parents. Obviously, not all kids go onto University or College but if they do and you haven’t planned for it you could find yourself with a large financial burden. This would probab
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 19:17:20 -0700)
    Buying A House After Bankruptcy - Things To Consider
    Bankruptcy can make getting any kind of financing much more difficult. However, it's not impossible anymore to get financing, even a few days after the discharge of a bankruptcy. But, is getting a loan soon after a bankruptcy a smart thing to do?

    It can be tempting to buy a new home, new ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 19:20:05 -0700)
    Credit After Bankruptcy - What To Expect
    If you have recently filed bankruptcy, it won't be long before you are starting to ask yourself, "Ok, now, what do I do when I need a loan? Where do I got to get approved? Can I get approved?" Here are some overall basics about getting any kind of credit after a bankruptcy.

    2-3 Years after
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 19:27:45 -0700)
    Buying A Home After Bankruptcy - Beware Of Shady Subprime Mortgage Lenders
    If you have a recent bankruptcy and are looking to buy a home, be careful of unethical or predatory lenders. Whether you are looking online or offline for a mortgage lender, it is becoming increasingly more common that subprime lenders are taking advantage of bad credit borrowers.

    Many lend
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 19:28:43 -0700)
    Auto Loan After Bankruptcy - Beware Of Shady Lenders
    If you have a recent bankruptcy but need an auto loan, you may be surprised at how easy it still can be to get approved for an auto loan. Because the bank can protect themselves by using the vehicle as collateral for the loan, it's much easier to get vehicle financing with past credit problems than
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 20:17:50 -0700)
    Prepare Your Home For Sale: Kitchen Makeover Ideas
    Money spent updating your kitchen rewards you better than money spent on any other upgrades to your home. When it comes to kitchens, buyers continue to demand improvement in efficiency and style, and they love remodeled kitchens and new appliances.

    Even if you home costs less than the newe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 22:30:37 -0700)
    How To Save Money While At College
    Still struggling to pay off the college loan. Have you disconnected your cell phone fair to keep off those darn creditors. Need a quick beget rich scheme. Well, maybe not that merely in this article you volition discovery approximately practical ways on rescue money while attending your post seconda
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 23:27:18 -0700)
    Refinancing After Bankruptcy - Tips On Refinancing Your Home Mortgage After A Bankruptcy
    Have you filed bankruptcy since you bought your home? Are you now looking to take advantage of lower interest rates by refinancing your home? You will probably soon realize how much more difficult it is to finance or refinance a home after a recent bankruptcy. It is not impossible though. There are
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 02 Jan 2006 23:34:04 -0700)
    You're Roth IRA Withdrawal
    The Roth IRA was born on January 1, 1998 as a result of the Taxpayer Relief Act of 1997. It's named after former Senator William V. Roth, Jr. The Roth IRA provides no deduction for contributions, but instead provides a benefit that isn't available for any other form of retirement savings: if you mee
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 01:57:58 -0700)
    No fax payday loans – paperless loans
    As soon as you finalise the loan terms with a lender, the first thing that you remember to do is to fax your papers to the loan provider. Before the documents can be faxed they have to be arranged. There are always a few documents that you remember at the last moment. To add to the commotion is the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 04:08:11 -0700)
    Low Interest Personal Loans – Unearthed from the Deeps of Impossibility
    Personal loans have a very old history of use in the UK. Banks, even in the yesteryears, would similarly lend money to people for a certain term. The manner in which personal loans are offered may have undergone a vast change because of the incorporation of new technology. However, borrowers’ pencha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 04:35:40 -0700)
    Benefits of getting auto insurance online
    Throughout the world if you want to drive your vehicle you have to get it insured. Having vehicle insurance means that driving is safe and at the same time affordable. It’s very stressful not to have insurance. Having a good insurance policy puts your mind at ease as you drive. It’s the basic du
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 07:55:33 -0700)
    My Simple Penny Stock Picking System
    Before investing your hard-earned cash into penny stocks, it is important to research the penny stocks you want to invest in before committing any cash.. You want to find profitable penny stocks. To do this, you’ll need penny stock leads. Leads are just names of penny stocks that you are thinking of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 07:57:45 -0700)
    Things To Do Before Investing Into A High Yield Investment Program
    We have compiled a short list of some of the things you can do before investing into a program to make sure you get the most for your money:

    #1 - Search all HYIP forums for the name of the HYIP. Check for people spamming about the program, as this usually is a sign of a short lived scam. Lo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 08:10:22 -0700)
    High Yield Investing Is Like A Game Of Poker
    We often get newbies emailing us asking whether or not investing in HYIP's is worth the time and the risk. This is a great question and the short answer is "it all depends".

    First of all, the main question you must ask yourself before investing in any HYIP is: "Do you plan on investing mon
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 08:12:41 -0700)
    How Long Should You Stick With A High Yield Investing Program?
    Most people ask us when we feel is the right time for them to stop compounding/reinvesting and take their money out of a program. This is a tough answer to give. It all depends on the program that is invested in and the rate of return. Usually we recommend the following for the below 3 categories: <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 10:25:03 -0700)
    It’s Your Money - Why Wait?
    The money in your IRA is your money. Every cent you put into that IRA was hard-earned, and if you really think about it, it’s not growing fast enough. What’s worse, you’re a few years away from retirement. Can you really bear the thought of NOT retiring in comfort? Two realities are in play
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 12:26:07 -0700)
    It’s Your Money - Why Wait?
    The money in your IRA is your money. Every cent you put into that IRA was hard-earned, and if you really think about it, it’s not growing fast enough. What’s worse, you’re a few years away from retirement. Can you really bear the thought of NOT retiring in comfort? Two realities are in play
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 13:50:20 -0700)
    Learn How to Repair a Bad Credit Rating
    =================================================== You may have discovered that if you have a bad credit rating, it is extremely difficult for you to get financing, loans, and perhaps even employment. And having a bad credit rating often leaves you feeling helpless and feeling like there is no
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 20:56:44 -0700)
    Concerned You Will Not Retire In Comfort?
    Traditionally people have considered their retirement 401Ks and IRAs to be like safety nets rather than wealth builders. However, with the self directed IRA, you need not be satisfied with growth rates in the single digits. It is possible to realize phenomenal growth potential outside of the tra
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 03 Jan 2006 22:57:25 -0700)
    Payday Loans With No Faxing - Are They Really Paperless?
    There are some convenient and conventional loans in which you pay the amount borrowed in a few weeks’ time. They are called as payday loans. These loans are of two types – one of the payday loans are is where you require to fax the documents required and other one is payday loans no fax. Payday loan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 00:04:24 -0700)
    SOD’S LAW COSTING BRITONS MILLIONS
    From being locked out of home on the coldest day of the year to running out of hot water when getting ready for a date, a quarter (24 per cent) have spent at least £200 putting something right that has gone wrong at home at the worst possible moment. And according to the British public, people ar
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 00:12:18 -0700)
    E Gold Investments: Investing Smartly With E-Currency Exchange
    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 p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 00:15:02 -0700)
    My Most Recent Experiences About E Currency Exchange Trading
    You keep hearing about this money generating model that takes no marketing or selling, merely 60 minutes a day (at the most) and no genius skill.

    I have to see it to believe it!

    At the least that was the 1st feeling for any person that knows the internet for some time.

    Let
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 00:16:41 -0700)
    Direct Line takes Industry Leading Step to Protect Car Insurance Customers
    Direct Line is taking the industry leading step of continuing to offer the 'Driving Other Cars' cover as standard in its car insurance policies. DOC cover is provided for motorists to use other vehicles or to allow another motorist to drive their car when they are in an emergency situation.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 00:30:32 -0700)
    Bad Credit Personal Loan - A changed attitude of lenders towards bad credit
    Are you afraid of applying for a loan, just because you have a bad credit? No need to fear anymore. You need to understand the fact that you are not the only one whose credit status is bad. Bad credit personal loan can be a solution to your this problem. A bad credit personal loan is tailored to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 01:43:56 -0700)
    Insight Into Trading - What Percentage Of Your Trades Are Winners?
    An Inquiry into Trading Systems, Money Management and the Human Psyche
    At a recent seminar, I got involved in an interesting discussion with other attendees centered on trading success. More specifically, the percentage of successful trades and the percent of accuracy you should realistically ex
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 01:47:13 -0700)
    Credit Counseling is it for you
    Are you overwhelmed with bills? are late fees piling? Then credit counseling may be for you. Do you feel like you are always playing catch up with your bills. You keep paying the bills and they never seem to go down. Paying the minimums is not enough. How can you get out of this financial situation
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 02:05:47 -0700)
    Canadian Research Analyst Forecasts Severe Uranium Supply Crunch For Next 10 Years
    Uranium to Head North of $500/pound?

    Rising Uranium Price May Consolidate Exploration Sector, Driving Intense Takeover Activity

    Legendary stock picker James Dines recently compared uranium stocks to the high-flying net stocks of the halcyon days of the Internet expansion era. While
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 02:26:56 -0700)
    Citibank's Citi Simplicity Card: Now You Can Avoid Late Fees
    Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers “permanent forgiveness” for late payments and will no longer assess the customary $39 late fee when a payment arrives after the du
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 02:59:04 -0700)
    Debt Management gives the comfort of a debt free life
    Everyone borrows money from the financial market at one or the other time to meet some urgent needs. But, at that time we don’t realise that taking various debts from different lenders may become a burden one day. If you too are facing the same circumstances then debt management can prove to be the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 06:18:17 -0700)
    Disputing Credit Reports—What You Need to Know
    Provided by http://www.nationalcreditrepair.info Managing credit often becomes complicated when details are lost, confused, unknown or when there are disputes on personal credit reports. Many times there will be errors with purchases or credit records. Other times, you may be dealing with frau
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 06:30:40 -0700)
    No fax payday loans – paperless loans
    As soon as you finalise the loan terms with a lender, the first thing that you remember to do is to fax your papers to the loan provider. Before the documents can be faxed they have to be arranged. There are always a few documents that you remember at the last moment. To add to the commotion is the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 06:43:10 -0700)
    Low Interest Personal Loans – Unearthed from the Deeps of Impossibility
    Personal loans have a very old history of use in the UK. Banks, even in the yesteryears, would similarly lend money to people for a certain term. The manner in which personal loans are offered may have undergone a vast change because of the incorporation of new technology. However, borrowers’ pencha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 07:54:13 -0700)
    How To Avoid Those Mind-Boggling Depreciation Rules
    Tired of dealing with those complex depreciation rules? Thanks to recent tax law changes, here's how to avoid them completely while benefiting from a lucrative small business tax break that not only puts money in your pocket, but also makes the filing of your income tax return much simpler.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 07:56:50 -0700)
    “How To” Start Trading The Forex Market? (Part 5)
    What are *PIPS* ?

    Currencies are traded on a price/ point (pip) system. Each currency pair has its own pip value.

    When you see a FOREX price quote, you'll see something listed like this:

    EUR/USD 1.2210/13

    Explanation:

    a) If you want to BUY the EUR/
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 09:11:38 -0700)
    Free Credit Reports Are Not Always Free
    According to an amendment to the Fair Credit Reporting Act, you can obtain a free credit report on yourself for free one time every year. However, just like with any new law or service, there are people out there looking to take advantage of you. So be aware of what you see when looking for your cre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 10:22:50 -0700)
    Worry About The Surety Bond Last
    Surety Bonds are required for a reason, usually to protect public money. Many contractors and commercial businesses get frustrated by their bond requirements and will put the requirement to the side and put their full attention to what they feel needs it. Unfortunately for them, the obligee will fee
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 12:39:34 -0700)
    Are Student Loans Better Than Credit Cards?
    When applying for student loans, it’s so important for prospective college students to calculate their finances as best they can to receive the appropriate funding. From tuition and books to room and board, living expenses and food, students should make sure to secure the funds they actually will ne
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 13:23:50 -0700)
    Bad Credit Personal Loan - A changed attitude of lenders towards bad credit
    Are you afraid of applying for a loan, just because you have a bad credit? No need to fear anymore. You need to understand the fact that you are not the only one whose credit status is bad. Bad credit personal loan can be a solution to your this problem. A bad credit personal loan is tailored to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 21:54:08 -0700)
    Shopping For a New Home
    Congratulations on your decision to get a new home, now is the time to consider some aspects to help you find your dream home. First and most importantly, find a professional Real Estate agent to help you get through the process. Before you decide how many bathrooms you need, or what area is the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 04 Jan 2006 22:50:01 -0700)
    Homeowners Insurance: Lessons from Katrina and other gulf storms
    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? Tha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 00:58:56 -0700)
    Bank Of America Credit Cards
    Most people want to apply for a credit card online and get the best deal available, including a low interest rate, a reliable credit company, and some sort of reward program like a travel credit card offers. The Bank of America credit card is a card you can trust. They are available online at http:/
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 01:15:32 -0700)
    Cash Back Credit Cards
    Wouldn’t it be great if you could get some of that money you spend on credit card purchases back every year? Well, you can. A cash back credit card is the way to go for people who want all the benefits of shopping with a credit card, plus the perks of belonging to a credit company that offers a cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 01:21:55 -0700)
    Choice Privileges Visa Platinum Card
    For business owners and family members alike, a credit card offer that includes a way to earn points toward travel is a great deal. A travel reward credit card is one that gives you the ability to earn credit with various aspects of the travel experience simply by using you card when you make your e
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 01:22:37 -0700)
    Credit Card Consolidation
    It is not uncommon for families or individuals to find themselves in the midst of credit card debt. Many people wonder if credit card debt consolidation is for them. What is involved in this process? Basically, a credit card balance transfer takes place so that all your credit cards are consolidated
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 01:33:26 -0700)
    Cash Back Credit Cards: How To Play The Cash Back Game
    You have seen them advertised on your television. Likely, you have gotten their solicitations in your mailbox. Your neighbor has one and he just got a brand new gas grille for free! So, what am I talking about? Cash back credit cards, of course. Millions of consumers are making the switch over from
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 04:09:58 -0700)
    Benefits of Home Owner loan – Find out what it holds for you
    “Mid pleasures and palaces though we may roam, be it ever so humble, there's no place like home”, a perfect quotation for a home given by John Howard Payne. Owning a home is a matter of privilege. A home gives a sense of security and gives the owner the control of his living place. A homeowner en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:08:11 -0700)
    1st And 2nd Mortgage Refinance Loan
    Refinancing a first and second mortgage requires some extra considerations. Depending on your equity, you may find that combining the two mortgages results in a higher interest rate. You may also find that you have to carry PMI with the refinanced mortgage.

    Will Refinancing Benefit You?
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:09:55 -0700)
    Home Loan Mortgage Loan Refinance - Refinancing For A Shorter Term To Save Money
    Saving money with lower rates isn’t the only reason to refinance. Opting for a shorter loan can also save thousands in interest and free up income in the future. A short term loan can also help you pay down your principal quicker.

    Better Rates

    A 15 year mortgage has a better rate t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:11:19 -0700)
    Cash Out Refinance - Things To Know About Refinancing Your Mortgage To Get Cash Out
    A cash-out mortgage allows you to refinance your mortgage and pull out part of your equity. Before deciding how much to cash to use, be aware of the impact of PMI and equity amounts. However, you may find the benefits of refinancing outweigh the costs.

    Cash-Out Mortgage Basics

    With
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:35:59 -0700)
    Home Loan Refinancing – When Do You Have To Close?
    Refinanced mortgages have a couple of different rules when it comes to closing. For one, there is a mandatory rescission clause for primary residence mortgages that allows you annul your loan. You can also choose to close at anytime, which is beneficial if you think rates will drop in the near futur
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:37:41 -0700)
    Poor Credit Mortgage Refinance - Refinancing Your Home After Your Credit Score Has Dropped
    You can still refinance with bad credit, but you will need to shop around. Each refinance application is looked at on an individual basis. So even if you have bad credit, other factors could qualify you for a low interest rate. However, if you don’t apply, you will never know.

    Reasons To Re
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 09:38:55 -0700)
    Refinance Mortgage Lenders - Finding The Best Refinance Lender
    Finding a good lender to refinance your mortgage can be almost as important a decision as the actual mortgage you choose. In order to make a wise selection of a refinancing lender you should do four things:

    1. Know the objective of your mortgage refinance

    Do you want to lower your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 14:24:40 -0700)
    Surety Bond Costs
    One of the first questions people ask when they are purchasing something is, "What does is cost?". There is no exception when it comes to surety bond shopping. Unfortunately, bonds are really considered a form of credit and the same rate does not apply to all applicants. It is not that agents do
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 15:10:57 -0700)
    Car pools could reduce risk of road accidents
    Motorists carrying passengers are half as likely to be involved in an accident than those driving solo, the research reveals. One in ten drivers say they have been involved in an accident when driving alone, compared to just one in twenty who were driving with a passenger. And it is not just acc
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 16:15:54 -0700)
    A Look At The Different Credit Card Types
    Every financial decision you make is an important one. Making the wrong decision can lead to trouble or at the very least, less than favorable rates. This is certainly true of picking a credit card. The credit card market is awash with numerous different offers and even picking the right type of c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 16:35:14 -0700)
    Fear And The Profitable Forex Trader.
    Forex trading is one of the most looked for occupations for many people these days. Around the world people is getting tired of fixed working hours and tight cubicles that limit their aspirations of a more relaxed and satisfying working life. In order to start Forex trading the new trader doesn’t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 16:53:22 -0700)
    Unsecured Loans With No Credit
    Lenders label individuals with no credit history as 'high risk'. Being considered 'high risk' can be the 'kiss of death' when it comes to getting approved for unsecured loans. Why? Because unsecured personal loans require no collateral. So, the lender loaning you your money trusts you that you will
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 17:28:48 -0700)
    7 Simple Steps To Real Estate Investing
    Whether you are BRAND NEW to real estate investing or an expert in the game, it’s critical that you understand these 7 Simple Steps to real estate investing. First things first… • Real Estate is NOT a get rich quick scheme. However, if you learn the foundations and put them into practice, you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 18:13:45 -0700)
    Protect Your Identity
    Protect Your Identity One¡¯s FICO score is a very important determinant of the ability to finance the purchase or refinance of a home. The FICO score is determined by a formula developed by Experian and takes into account many different factors. In today's lending environment, automated und
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 18:56:09 -0700)
    Debt Management gives the comfort of a debt free life
    Everyone borrows money from the financial market at one or the other time to meet some urgent needs. But, at that time we don’t realise that taking various debts from different lenders may become a burden one day. If you too are facing the same circumstances then debt management can prove to be the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 20:57:54 -0700)
    Benefits of Home Owner loan – Find out what it holds for you
    “Mid pleasures and palaces though we may roam, be it ever so humble, there's no place like home”, a perfect quotation for a home given by John Howard Payne. Owning a home is a matter of privilege. A home gives a sense of security and gives the owner the control of his living place. A homeowner en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 21:34:25 -0700)
    0% APR Credit Cards: How Can They Do That?
    During the days when the federal bank interest rates were at its lowest, back in 2002 and 2003 to be specific, countless credit card providers offered 0% APR credit cards to many consumers. Needing only to pay the outstanding balance, smart consumers were able to charge up to their limits without in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 05 Jan 2006 22:16:29 -0700)
    Mortgage Calculator
    Finding mortgage loan offers in the UK is not difficult. From newspaper advertisements to surfing the Internet, mortgage loans sporting low interest rates and additional benefits to entice borrowers to sign up are literally everywhere. But, when a mortgage offer claims that it can save 'x' amount ov
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 00:18:27 -0700)
    Boat Loans - To explore the wonders of the sea with your own boat
    Do you dream to drive a boat of your own exploring the vast sea? If yes, then you can choose a powered speed boat to a narrow boat from a house boat to a smaller cruiser, whichever boat you wish to own. But, do you have the money to buy it. If yes, then everything seems to be at the right place. But
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 00:53:12 -0700)
    5 Ways Poor Credit Scores Costs You Extra Money
    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 me
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 01:53:15 -0700)
    Home Equity Loan Comparison - Access Your Home's Equity Through A Second Mortgage Or Equity Loan
    You can access your home equity without the cost of refinancing with two financing options. A second mortgage will give you a lump sum check with a fixed or adjustable rate. A home equity line lets you tap into your equity when you want to. Both options allow you to write off interest on your taxes
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 01:54:40 -0700)
    Sub-Prime Mortgage Loans - Five Ways To Lower Your Rates On A Sub-Prime Mortgage
    Sub-prime mortgages don’t mean you have to pay excessively high interest rates to buy a home. By taking time to do some research and pick the right terms, you can save thousands on your mortgage. The following five tips will help you get low rates with the right subprime lender.

    Compare Len
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 01:55:58 -0700)
    Is Your Subprime Mortgage Lender A Predatory Lender
    Subprime lenders offer financing for people with low credit scores who don’t qualify for a conventional loan. Subprime financing can be offered through traditional mortgage lenders like banks, credit unions, or mortgage lenders. There are also specialized lenders who only deal with subprime mortgage
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 07:47:31 -0700)
    Bad Credit Mortgage Refinancing
    Bad credit mortgage refinancing loans are used to solve two different problems.

    Problem Number One: The homeowner has bad credit, significant high interest credit card debt and a home with substantial equity. In order to pay off the high interest bills, the person refinances his/her home an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 07:49:04 -0700)
    Bad Credit Home Financing - Choosing A Subprime Mortgage Lender
    In the early nineties subprime mortgages accounted for about five percent of all mortgages. Today the subprime mortgage loan sector comprises more than twenty percent of the mortgage market. With this explosion of subprime mortgage lenders and brokers, it is important to know what to look for when c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 08:00:55 -0700)
    Home Equity Loan Refinancing
    If you have lived in your home for more than two years, it has probably appreciated which means that you have built up equity. What is home equity? Home equity is the difference between the value of your home and the amount of all that you owe on your home. If your home has an appraised value of $20
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 08:39:47 -0700)
    Balance Transfer Credit Cards And Their Rewards
    If you haven't been credit card shopping recently, you'd be amazed at the variety offered today. In addition to the different interest rates, the extent of rewards or perks offered is vast. There are cards offered to fit everyone's needs. Good credit, bad credit, in between, 0% APR introductory offe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 10:27:24 -0700)
    Should You Use A Private Wealth Management Broker?
    If you have a business and all of the struggling and hard work you have been doing to make your business successful, then it's probably a good idea to look into a private wealth management broker. You don't have to be a wealthy business, at the moment, but a financial service may be able to help you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 16:20:27 -0700)
    Will Santa Visit Investors in January?
    Bullish investors would likely have rather received a lump of coal in their stockings, given the prevailing lofty level of energy prices, than the uncharacteristically lackluster performance delivered them by the stock market in the waning days of 2005. What made the sour ending so unusual was its
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 16:25:27 -0700)
    Fast Cash – How fast can a payday loan really be processed
    There are hundreds of companies that all claim they can get you fast cash without you having to making any effort. Some of these payday companies are operating online while others work in more traditional storefronts. Regardless of the way you look to get a loan, each has their own way of processing
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 18:02:47 -0700)
    Debt Consolidation
    Credit card debt got you down? Want to consolidate your debt into one low monthly payment? Have high interest rates? We here at Kimberly Credit Counseling can assist you in consolidating your unsecured debts. Our debt management / debt consolidation program can help. Debt consolidation is when we
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 18:54:20 -0700)
    Don't Pay Your Minimum Balance on Credit Cards
    You have two or more major credit cards comfortably snug inside your wallet. You are quite proud of them and they seem to act like your security blanket. But are you sure that security is the commodity being offered by the credit cards? The credit cards offer immediacy. That is, you can immediate
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 21:04:00 -0700)
    Boat Loans - To explore the wonders of the sea with your own boat
    Do you dream to drive a boat of your own exploring the vast sea? If yes, then you can choose a powered speed boat to a narrow boat from a house boat to a smaller cruiser, whichever boat you wish to own. But, do you have the money to buy it. If yes, then everything seems to be at the right place. But
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 21:52:37 -0700)
    What Is A Wage Garnishment?
    A wage garnishment is a legal procedure through which a percentage of a person's earnings are withheld by an employer for the payment of a debt. Most wage garnishments are made by court order. Other types of wage garnishments are of legal or open procedures made by the IRS or state tax collection ag
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 23:04:28 -0700)
    How Buying Invoices Works
    If you have a problem with cash flow, you might consider finding a company that engages in buying invoices to get you on the right track again. Often, through no fault of their own, small and large companies find themselves in a bind because they don't have enough cash to meet debt payments, to pay
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 23:11:21 -0700)
    Property Loans – for greater flexibility and freedom
    Each one of us needs money at one or the other time in our life. You may wish to buy a new home. One can fulfill his or her personal desires by withdrawing money from the savings account. But, do you think it is right to withdraw the savings when an efficient alternative is available that is taking
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 23:14:43 -0700)
    Zero Percent Credit Cards
    When searching for a 0 apr credit card, one with 0% annual percentage rate (apr) for a trial period, one of the best ways to find a good deal is to compare the credit card rate of several sites. One way to find reliable sites is to start with a bank credit card. Bank of America, Citibank, and many o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 06 Jan 2006 23:21:29 -0700)
    Making Your Business’ Credit Card Work Smarter
    Credit cards are convenient financial means for hundreds of millions of people all over the world. However, personal use is not the only way credit cards come in handy. Credit cards can also be a major benefit for covering business expenses. If you own your own business, you may want to consider app
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 00:13:19 -0700)
    How To Contact The IRS Without Breaking Into A Sweat
    We all love to criticize the IRS, don't we? It's easy to ridicule a huge organization of government bureaucrats who often seem to be Public Enemy #1.

    Our negative attitude toward the IRS can lead to a strong desire to just ignore it altogether. But
    self-employed people who ignore the IR
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 03:21:57 -0700)
    A Methodical Approach to Best Secured Loans
    I was always very sure of my analytical and decision making skills, and was sure of my capability to unearth the best secured loans. But the significantly larger number of decisions that one has to make on personal loans had my confidence drooping low. I would have lost any hope of getting a best se
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 06:37:23 -0700)
    Online Mortgage Quote - Tips On Getting A Mortgage Quote Online
    Getting your mortgage loan on the internet has many advantages and benefits, although, it is not a good choice for all homebuyers. Online mortgage loans are both quick and convenient. The application process can be completed in the privacy of your home, at your leisure.

    Applying for a mortg
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 07:47:05 -0700)
    Debt Negotiation Vs. Debt Management
    Debt negotiation and debt management/consolidation both help consumers pay off their debts through two different approaches. Each affects your credit score, payoff period, and taxes differently. Before choosing either options, be sure you understand the long term consequences of each debt management
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 07:48:36 -0700)
    Debt Management Advice
    The best debt management gives you the most financial options. By making regular payments and having a low debt to income ratio, you can access credit when you choose. If you aren’t in that situation, then ask for help from the variety of debt management companies out there. In the end you have to p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 07:49:44 -0700)
    Finding A Company To Consolidate Debt
    A debt management company can consolidate your debt and lower your interest rates by negotiating with your creditors. Debt management companies can also help you pay off your loans sooner. But before you sign up with a company, make sure your research their services, fees, and practices.

    Re
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 08:05:00 -0700)
    Mortgage Loans After Bankruptcy
    Many people believe that once they file for bankruptcy they will have a difficult time getting a mortgage loan. However, there is still hope for being approved even with a recent bankruptcy. If you have bad credit and apply for a mortgage loan, more emphasis will be placed on your income your down p
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 09:00:18 -0700)
    New Year Resolutions: Some Startling Statistics About American Consumers
    Before you whip out your credit card, stop and think. America is often called a consumer society, and it's true. We're also a nation of credit card debt, which is evidenced by some of these startling facts.

    We all know that acquiring overwhelming debt is stressful from a financial standpoin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 09:04:16 -0700)
    Tax Haven Raises 2006 Entry Price
    While Monaco is a well known European tax haven, Andorra has remained little known outside of the financial community - despite enjoying the same tax advantages and arguably more private banking than her better known rival. In contrast to the similar financial benefits both Monaco and Andorra res
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 09:23:44 -0700)
    Free From Debt
    Are you tried of going to the mail box and find many bills in there waiting for taking out your check book? Have you ever wondered if you will ever be free? Each month you pay the minimums and although you KNOW you've got a handle on it - you are not charging your credit card or accumulating new deb
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 09:28:48 -0700)
    Refinancing Student Loans
    Many students and graduates are facing with struggling to repay their student loans. They have to refinance it in order to lower their monthly payments. Refinancing student loans can be a good idea under certain circumstances, but not always. As of late, interest rates have been low but they are in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 13:54:51 -0700)
    Financial Freedom Made Simple
    Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 23:58:31 -0700)
    Free Debt Management Services Compared
    Debt plagues millions of people all over the world. Debt can be a positive thing. For instance, if we never had any debt we would never be able to buy a house or a car. Debt is necessary in many cases, but for some people it can get out of hand. There are many free debt management services available
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 07 Jan 2006 23:59:27 -0700)
    The Best Debt Management Programs - How To Choose
    There are gems and there are duds of any business. This is true of debt management programs as well. Your money is very important to you, so you should choose a program that has the best reputation for success. Reviewing the number one debt management programs is your best option for choosing the co
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 00:06:03 -0700)
    Solve Your Debt Problems
    Although it would be wonderful if debt would magically disappear, the only way to get rid of it is to pay it off. Almost everyone has some sort of debt.

    Although getting rid of debt is not as simple as accumulating it, there is a way you can put a stop to the downward spiral. There is a thr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 00:07:13 -0700)
    No Credit Car Loans - Car Loan Approval With No Credit History
    Getting an approval for a car loan when you have no credit history can often times be almost as difficult as getting a car loan approved when you have bad credit. There are things that can be done, however, which will improve your chances of finding a no credit car loan.

    Ask your employer f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 00:07:59 -0700)
    Secured Loan Debt Consolidation
    Secured loans make your creditors feel more secure about loaning you money. When someone takes out a secured loan, that simply means there is collateral to back up the money they borrowed. This could be a car, or more commonly, a house. There are pros and cons to getting a secured loan as opposed to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 00:15:27 -0700)
    Bad Credit Auto Loan Refinance - Bad Credit Auto Refinance Tips
    Most people know that it is possible to refinance their homes but did you know it is also possible to refinance your auto? Indeed for many people who have high interest sub prime car loans, refinancing their auto loans may be a wise decision. How do you know when refinancing your bad credit auto loa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 10:44:14 -0700)
    The 7 Rules of Credit Card Balance Transfer
    The 7 Rules of Credit Card Balance Transfer Credit card balance transfer is a great way of consolidating your credit card debt, and also finding a way of avoiding the terrible burden that debt can bring. Transfer offers are in high demand and many credit card issuers highlight their balan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 10:45:07 -0700)
    New Credit Card Balance Transfer Alert Service
    Who wouldn't want interest free credit for years and years? In theory that's possible. You just ensure you sign up for a 0 interest credit card balance transfer every time your 0 interest period expires. But is your bank ever going to actually tell you when the expiry date comes round? Usu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 10:45:42 -0700)
    Credit Card Balance Transfer Revisited
    Credit card balance transfers are one of the financial world's great empowering features, but they can only be done successfully if you follow the rules and don't fall foul of them. Firstly you must consider the benefits, then the pitfalls. These two aspects are more or less permanent feat
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 13:27:33 -0700)
    Some Reasons Why You Should Trade Forex and Two Important Forex Concepts You Must Know.
    These days everyone is talking about Forex trading and the great opportunity this activity represents for people willing to brake free from the corporate world and start working from home or any where else without losing their current lifestyle and even improving it. Some of the great reasons why
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 15:28:05 -0700)
    A Methodical Approach to Best Secured Loans
    I was always very sure of my analytical and decision making skills, and was sure of my capability to unearth the best secured loans. But the significantly larger number of decisions that one has to make on personal loans had my confidence drooping low. I would have lost any hope of getting a best se
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 08 Jan 2006 15:46:18 -0700)
    Property Loans – for greater flexibility and freedom
    Each one of us needs money at one or the other time in our life. You may wish to buy a new home. One can fulfill his or her personal desires by withdrawing money from the savings account. But, do you think it is right to withdraw the savings when an efficient alternative is available that is taking
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 03:37:29 -0700)
    Can You Invest With Just $100?
    Many private investors do not have a large amount of capital at their disposal to invest in stocks. Some take the route of Penny Stocks to generate high returns but some people find these too risky. Indeed, Penny Stocks ARE risky – if you do not know how to carry out research.

    There are man
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 05:28:01 -0700)
    Solving Financial Problems With A Cash Advance
    When deciding on loans, it is important to be sure to do plenty of research. It is important to compare all the possible offers you have to choose from. Many times a cash advance from a loan agency is often one of the best choices as far as getting a low APR and finance charges. One aspect of cash a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 05:29:50 -0700)
    Starting Out With Credit Cards
    When you are first starting out with a credit card, it is important to pay attention to credit card interest rates. If possible, you might consider applying for a 0 apr credit card. This means that for a period of time, you would pay 0% interest on your purchases and any balance transfers. If you ar
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 08:56:00 -0700)
    Haunting Student Loan Debts
    In today's ever changing economy, it's hard enough for the average working individual to make ends meet, without a wage garnishment, while supporting themselves or their families. Sometimes living pay check to pay check with the regular bills and sudden unexpected expenses is hard enough without hav
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 09:38:55 -0700)
    When To Sell Penny Stocks
    Penny Stocks can be a very effective way to provide you with a secondary income. They can be used to create passive income because they do not require you to be constantly watching over them. The problem that most people have when it comes to stocks is - not knowing the right time to sell.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 09:58:35 -0700)
    Sub Prime Auto Financing - How To Get Approved
    Auto buyers with blemished credit may wonder how they can get approved to buy a car. The answer is sub prime auto financing. When seeking a sub prime auto loan the question shouldn’t be just, "How do I get approved?" The better question to ask is, "How do I get approved for the best sub prime auto f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 09:59:37 -0700)
    Lower Credit Card Debt
    You can lower credit card debt through a variety of options. Consolidating your debt into one loan can help lower interest rates and monthly payments. If you need additional help, you can use a debt management or debt negotiation company. Both offer programs to reduce your debt, helping you to get a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 10:02:23 -0700)
    Bad Credit Automobile Loans - Tips On Finding A Good Lender
    Much like the bad credit home loan market, the bad credit automobile loan market is a crowded and competitive arena. If you find yourself in the position of needing a bad credit automobile loan use caution in selecting your lender. While most lenders dealing in the bad credit car loan sector are hon
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 10:10:52 -0700)
    Help With Debt Problems
    Many reputable debt management companies can help you deal with your debt problems. You can work with a credit counselor to create your own plan to pay off bills. Companies can also help you reduce your debt through debt management plans, consolidation loans, or debt negotiations. While each program
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 10:12:21 -0700)
    Debt Settlement Vs. Debt Consolidation
    Debt settlement and debt consolidation both offer ways of reducing your debt. Debt settlement eliminates part of your loans, while debt consolidation reduces interest rates. Even though debt consolidation has the least impact on your credit score, there are cases when debt settlement is a better opt
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 10:13:29 -0700)
    Is Debt Negotiation Bad? Points To Consider
    Debt negotiation companies that claim they can wipe your credit clean or guarantee they can reduce your debt are bad because they can’t deliver. But reputable companies can negotiate with your creditors, often reducing your debt 10% to 50%. They can also help you rebuild your credit score by reducin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 21:41:18 -0700)
    The Benefits of Cash Out Refinance for Debt Consolidation
    The Benefits of Cash Out Refinance for Debt Consolidation No matter how good our intentions are, with the “I Want That!” society we live in, even the most diligent of us sometimes over do on debt, especially on credit cards or other non- appreciable debt in the form of installment loans. One popu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 09 Jan 2006 23:16:16 -0700)
    Mobile Home Loans give concrete shape to your mobile home aspiration
    A mobile home is equipped with all the advantage of modern day living. It can give you a new experience away from the disturbances of towns and cities. Mobile home as the name suggest is a movable home that is equipped with complete plumbing, electrical, and heating facilities and are usually less e
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 03:18:21 -0700)
    Balancing The Benefits Of Reward Programs Against Credit Card Costs
    0 APR credit card APR, cash back and optional rewards etc. are several reasons for any one to opt for a good credit card. They are also a useful and a smart way to meet ones financial needs. Most of the credit card companies offer most attractive features to lure their customers.

    These cre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 03:41:39 -0700)
    How To Pick A Profitable Mutual Fund
    We have all heard the advantages of investing in a mutual fund over trying to pick individual stocks. First of all mutual funds hire professional analysts that are market experts and devout many hours of study to the various stocks. Unless you want to devout a large portion of your free time to the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 04:28:23 -0700)
    Family Finance
    One of the hardest things that young couples report during their first year of marriage is getting to grips with joint finances. While most are willing to share what they have with their partner, they are not sure on the best way to bring this sharing into effect so that they can share with their ne
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 05:07:49 -0700)
    Buying Flights Online
    One of the greatest things to happen to the world of travel in recent years is the advent of low cost airlines. Not only do they offer flight travel that is cheaper than any previous airlines by far, but they also offer some other great innovations in booking and paying for flights. Part of the grow
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 06:54:47 -0700)
    Automotive Financing - Benefits To Applying Online
    You can do everything else online, why not acquire an auto loan as well? Some people are hesitant to use the internet for financial transactions or decisions. They don't realize that online auto loans actually have significant advantages to standard auto loans. There are several benefits of applying
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 06:55:59 -0700)
    Finance Your Car With Poor Credit
    Cars don't look at your credit before they decide to breakdown. Anyone, with poor credit or great credit, could find themselves in a situation where they need an auto loan. Fortunately, those with poor credit do have options available for financing their vehicles.

    "Bad Credit Car Loans"
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 06:57:26 -0700)
    Car Loan Quote - Comparing Loan Quotes
    Don't settle for the first auto loan quote that crosses your path. There are various methods now-a-days in which individuals can acquire an auto loan. Be sure to compare all the pros and cons of each method to ensure you are getting the best bang for your buck. There are four main ways to acquire an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 07:02:49 -0700)
    Online Automobile Loan Tips
    The internet is a booming marketplace. Online automotive lending is an industry that has begun to boom. There are several benefits of getting an automobile loan online, but there are some tips you should follow to fully utilize those benefits.

    Online Credit Score The internet is a quick and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 07:03:46 -0700)
    Vehicle Loans - Save Money On Your Next Loan
    Everyone likes to save money. Auto loans can carry significant financial burdens for many people. One way to save money is to lower the financial burden these loans carry. The best way to save money on your next auto loan is to improve your credit score. A higher credit score means a lower auto loan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 07:05:50 -0700)
    Debt Consolidation Mortgage Loan - Pros And Cons
    Debt consolidation mortgage loans can help you lower your interest rates and monthly payments. With reduced rates, you can also pay off your debt sooner. However, reducing your equity could subject you to private mortgage rates. You may also end up spending more on interest payments by delaying paym
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 08 Feb 2006 07:18:39 -0700)
    Keyman Insurance – A Business Essential
    If you own your own business, you'll have insurance in place for your buildings, stock and vehicles, and you will be likely to have public liability insurance. You may also be insured for professional indemnity and legal costs – but have you considered insuring your most important assets – your key
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 08:23:58 -0700)
    New UK Pension Plans to be Unveiled
    After 3 years of research and discussions, Lord Turner is due to officially announce his proposals for reform to UK pension law. We’ve already discussed debt and retirement and the forthcoming pension cru
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 08:46:31 -0700)
    Credit Card Merchant Services: Easy, Cheap and Necessary

    Your online business needs to accept credit cards. That’s true whether your business is the next ebay or you’re just selling your old collectibles on ebay. You’re simply holding your business back if you don’t accept the payment method of choice of the internet. Sadly, many people think they won’

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 09:33:05 -0700)
    Credit Counseling – Can It Get You Into More Trouble?
    Does your heart skip when the phone rings? Are you afraid to open the mail and get another letter from a debt collector? If so, you are not alone. Many Americans are in debt up to their eyebrows and most don't even know what options are available to help them. They just struggle paycheck to paycheck
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 09:34:01 -0700)
    Adjustable Rate Mortgages: This Home Mortgage Loan May Not Be For The Weak At Heart
    I heard the news about another interest rate hike and thought it was about time to look into refinancing my mortgage. I contacted my mortgage company first.

    "I am interested in a fixed mortgage rate." I said.

    "May I ask why that is?" The broker asked politely.

    "I don't wan
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 10:49:38 -0700)
    Debt Collectors Facing Clampdown
    We’ve discussed already in this Debtsolver blog, the issues surrounding the mis-selling of debt repayment insurance, currently under investigation by the Office of Fair Trading (OFT). Another scandal that’s facing the UK, involves the murk
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 22:04:16 -0700)
    License Surety Bonds
    License bonds are surety bonds filed with a license to help protect the public. All different types of businesses are required to file license bonds: mortgage brokers, car dealers, contractors, etc. The one thing that they all have in common is that they typically deal directly with the citizens the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 10 Jan 2006 23:02:27 -0700)
    Churchill Car Insurance reports Dick Dastardly drives other ‘cartoon’ motorists up the wall
    The outrageous antics of the mean and mischievous motorist and his sidekick Muttley put Dastardly way ahead of his cartoon counterparts when it comes to wreaking havoc on the roads, according to the Churchill study. The insurer looked at a whole range of popular cartoon characters, well-known fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 00:14:06 -0700)
    Breakdown Insurance
    Who knows, you are going out for a long drive, and your car breaks down midway. Experts say that there is more than 10% chance of breaking down each year if your car is more than 3 years old. It is worse in the winter. You can avoid breakdowns by taking precautionary measures like re-servicing your
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 00:46:07 -0700)
    Auto Coverage Analyzer
    Buying a car means taking a well thought out decision. However, sometimes taking a well-thought, wise decision gets difficult. This is even more so, when it involves a big investment decision like buying car and insuring it. One wrong decision and you might end up in a financial soup. Once you have
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 06:42:07 -0700)
    How To Avoid Credit Card Penalties
    It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. Th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 06:43:47 -0700)
    Are You Worried About Credit Card Fraud
    Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using their cards as there main source of paying fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:23:29 -0700)
    Car Finance Company Basics
    Purchasing a new vehicle requires more than just deciding what type of car to buy and how much to pay. Unless you have a lot of cash saved and can buy the car upfront, you will have to decide upon some type of financing.

    Before choosing a car finance company, you will want to compare prices
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:25:12 -0700)
    Bill Consolidation Loan Tips
    Bill consolidation loans can lower rates and help you pay of your debt faster. However, you want to be sure that you factor in the cost of fees, find low rates, and pick a short term loan. These tips will ensure that you don’t end up spending more by consolidating.

    Factor In Fees

    D
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:26:59 -0700)
    Bill Consolidation Company Basics
    Bill consolidation companies handle payments for your accounts and lower your rates. They can also negotiate waivers for late payment fees. Before signing up with a company, you will want to compare rates and terms. You also need to monitor your payment statements to be sure there are not errors.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:42:49 -0700)
    Best Car Loan Rate – How To Get The Most From Your Credit Score
    Your credit score is the most important factor to getting the best car loan rate. Many shoppers make the mistake of going to the car dealership and applying for a loan before checking their credit report and score. By checking your credit score ahead of time, you will know where you stand before see
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:44:29 -0700)
    Credit Card Debt Reduction - 3 Tips To Lowering Credit Card Debt
    Credit card debt can be reduced through lower rates or negotiating for reduced balances. With reduced interest, you can pay off the principal quicker with the same monthly payment. The other approach is debt settlement, which eliminates part of your debt at the cost of your credit score.

    1.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 08:46:05 -0700)
    Consumer Debt Solution - Analyzing Your Options
    You have several options to reduce your consumer debt. You can take the do-it-yourself approach by consolidating debts into a low rate loan. You can also find help through companies that management payments or negotiate debt elimination. Each option has pros and cons, and should be analyzed carefull
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 09:32:20 -0700)
    Where Can You Find Sources Of Funds For Your Business?
    If you need help to fund your business, there are some things you need to do first, that can make your business more attractive to investors. The followings are an easy way to improve your business image and make it become good-looking in investors’ eyes.

    The most important thing, you shoul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 09:58:24 -0700)
    Post-Christmas Financial Difficulties
    If you’ve spent more than your budget can cope with, then maybe you’re thinking about credit to help you through January. Many people fear the long, broke month of January. After a lovely Christmas full of joyous smiles January can see a mood swing in the wrong direction. Many of us turn to credit c
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 17:38:00 -0700)
    How Payday Loans And Cash Advances Work
    If you have the need for a Payday loan or cash advance loan, I have good news for you! Payday loans and cash advance loans are very easy to obtain.

    Payday loan and Cash Advance loan stores are readily available in most areas.

    First you must decide if you would like to talk to some
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 17:44:03 -0700)
    Paying Your Bills On Time
    How many monthly bills do you get? You may have a mortgage bill, a car payment, heating, electricity, gas, telephone, television, and that doesn’t even begin with your credit card and store card payments. The fact of the matter is that people today have more monthly commitments than ever before. And
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 18:23:18 -0700)
    How To Avoid Credit Card Penalties
    It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. Th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 18:28:05 -0700)
    Are You Worried About Credit Card Fraud
    Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using their cards as there main source of paying fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 11 Jan 2006 19:36:22 -0700)
    Retiring With A Decent Income
    These days, it’s hard to listen to the financial or economic news for long without hearing something about pensions. These news stories usually give us some bad news about the pensions shortfalls in the gaping holes in pension funds. The chancellor Gordon Brown has recently gone on record suggesting
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 21:59:48 -0700)
    Big Changes On The Horizon For Critical Illness Insurance.
    In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market.

    It's not that critical illness insurance is a bad idea.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:01:12 -0700)
    Critical Illness Insurance – The Press Are Giving Insurers A Hard Time.
    Recent stories in the press have again lambasted the insurers over critical illness insurance. The core problem is that a critical illness claim is not as straightforward as, for example, a claim under life insurance. With life insurance it's going to be hard for the insurance company to argue that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:02:24 -0700)
    Buying A Second Hand Car? 19 Tips To Avoid Getting Your Fingers Burnt.
    • Do your homework. Read up about the model of car you're thinking about. Will it perform as you will want? Be aware of any known mechanical problems with that particular model and remember to check them out when you take it for a test drive (see tip 15).

    • Look up the current second hand
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:03:29 -0700)
    Big Changes On The Horizon For Critical Illness Insurance.
    In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market.

    It's not that critical illness insurance is a bad idea.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:03:36 -0700)
    Critical Illness Insurance – The Press Are Giving Insurers A Hard Time.
    Recent stories in the press have again lambasted the insurers over critical illness insurance. The core problem is that a critical illness claim is not as straightforward as, for example, a claim under life insurance. With life insurance it's going to be hard for the insurance company to argue that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:03:37 -0700)
    Buying A Second Hand Car? 19 Tips To Avoid Getting Your Fingers Burnt.
    • Do your homework. Read up about the model of car you're thinking about. Will it perform as you will want? Be aware of any known mechanical problems with that particular model and remember to check them out when you take it for a test drive (see tip 15).

    • Look up the current second hand
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:21:35 -0700)
    Adverse Credit – When Is A Credit History Labelled As Being “Adverse”?
    If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as “adverse”. The expressions “poor credit”, “bad credit” and “sub-prime” all describe exactly the same situation. This leads to a number of questions; what credit information is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:23:23 -0700)
    Everything You Need To Know About Choosing A Health Insurance Plan
    The purpose of health insurance is to protect you from the alarming cost of medical care by providing you with insurance coverage for specified health and medical care services. Generally, you will pay a monthly premium, a deductible, and co-payments for services you receive. The cost for insurance
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:24:20 -0700)
    Adverse Credit – When Is A Credit History Labelled As Being “Adverse”?
    If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as “adverse”. The expressions “poor credit”, “bad credit” and “sub-prime” all describe exactly the same situation. This leads to a number of questions; what credit information is
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:24:31 -0700)
    Everything You Need To Know About Choosing A Health Insurance Plan
    The purpose of health insurance is to protect you from the alarming cost of medical care by providing you with insurance coverage for specified health and medical care services. Generally, you will pay a monthly premium, a deductible, and co-payments for services you receive. The cost for insurance
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:42:40 -0700)
    Making The Most Of Your Business Credit Card Account
    Every individual has now developed a habit of availing the credit. Credit cards have suitably sufficed the needs of individuals. With the growing business credits are also required for business and the personnel associated with them.

    Business credit card offers various benefits to the busin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:43:34 -0700)
    Making The Most Of Your Business Credit Card Account
    Every individual has now developed a habit of availing the credit. Credit cards have suitably sufficed the needs of individuals. With the growing business credits are also required for business and the personnel associated with them.

    Business credit card offers various benefits to the busin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:49:32 -0700)
    Life Insurance – Why Does The UK Have A £2.3 Trillion Protection Gap?
    According to Swiss Re, one of the world's largest re-insurance companies, less than half of the UK population has any form of life insurance protection. They then go on to put a figure on the value of this protection gap. Using an average income of £20,000 and assuming that the value of protection n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 22:50:23 -0700)
    Life Insurance – Why Does The UK Have A £2.3 Trillion Protection Gap?
    According to Swiss Re, one of the world's largest re-insurance companies, less than half of the UK population has any form of life insurance protection. They then go on to put a figure on the value of this protection gap. Using an average income of £20,000 and assuming that the value of protection n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:03:37 -0700)
    Your Credit Rating
    Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra cr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:04:20 -0700)
    Choosing Life Insurance
    Take your time in taking decisions, chalk out which one is best suited for you and your family from the policies made available by different insurance companies. Look into your age, condition of health, income, health habits, marital status, number of children and lifestyle.

    You must always
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:05:03 -0700)
    Your Credit Rating
    Not many people spend too much time thinking about it, but every one of us, has a computer file somewhere that contains all the information that makes up our credit history. This information will include our current and previous addresses, our income level, our outstanding debt and how much extra cr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:05:49 -0700)
    Secured Loans / Second Mortgages
    During the past five years lenders have seen a boom in the demand for second mortgages as borrowers look to capitalise on the equity in their home. The low cost of borrowing coupled with the spiralling value of homes in the UK has led to a substantial strengthening of the equity position of many a h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:09:23 -0700)
    Choosing Life Insurance
    Take your time in taking decisions, chalk out which one is best suited for you and your family from the policies made available by different insurance companies. Look into your age, condition of health, income, health habits, marital status, number of children and lifestyle.

    You must always
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:09:41 -0700)
    Secured Loans / Second Mortgages
    During the past five years lenders have seen a boom in the demand for second mortgages as borrowers look to capitalise on the equity in their home. The low cost of borrowing coupled with the spiralling value of homes in the UK has led to a substantial strengthening of the equity position of many a h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:18:45 -0700)
    Life Insurance Companies
    Insurance is all about the evaluation of risk and it is something that life insurance companies know a lot about. Every time life insurance companies receive an application for a life insurance policy, the companies decide how much of a risk that applicant poses to their business. This is to say tha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:19:41 -0700)
    Cost Of Buying A New Car
    One of life’s joys is buying a new car. The excitement of looking through those glossy brochures, choosing the brand, model, colour, plus the features is incredible. Ask most men and I’m sure they’ll tell you it’s one of the things they enjoy most in the world. And these days, with women reported to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:22:25 -0700)
    Life Insurance Companies
    Insurance is all about the evaluation of risk and it is something that life insurance companies know a lot about. Every time life insurance companies receive an application for a life insurance policy, the companies decide how much of a risk that applicant poses to their business. This is to say tha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:22:35 -0700)
    Cost Of Buying A New Car
    One of life’s joys is buying a new car. The excitement of looking through those glossy brochures, choosing the brand, model, colour, plus the features is incredible. Ask most men and I’m sure they’ll tell you it’s one of the things they enjoy most in the world. And these days, with women reported to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 13 Jan 2006 23:59:42 -0700)
    Your Budget And Rising Petrol Prices
    If you have a mortgage and are not struggling with the increasing cost of petrol … you are in the minority. And if you aren’t struggling now, how will you fare when the flow on effect of high petrol costs starts to increase the cost of living across the board. For many Australians the question of ho
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 00:01:12 -0700)
    Your Budget And Rising Petrol Prices
    If you have a mortgage and are not struggling with the increasing cost of petrol … you are in the minority. And if you aren’t struggling now, how will you fare when the flow on effect of high petrol costs starts to increase the cost of living across the board. For many Australians the question of ho
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 02:39:33 -0700)
    How To Do A Credit Card Debt Consolidation?
    Credit card debt consolidation allows you to pay your current debts in 3-6 years and more card consolidate credit debt information will help you. Under a debt consolidation plan, terms and conditions change. The purpose of debt consolidation is to speed up your paying time and at the same time makes
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 02:39:39 -0700)
    How To Do A Credit Card Debt Consolidation?
    Credit card debt consolidation allows you to pay your current debts in 3-6 years and more card consolidate credit debt information will help you. Under a debt consolidation plan, terms and conditions change. The purpose of debt consolidation is to speed up your paying time and at the same time makes
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 03:27:33 -0700)
    UK Consumers Regaining Control Of Runaway Levels Of Personal Debt
    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 w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 03:35:01 -0700)
    UK Consumers Regaining Control Of Runaway Levels Of Personal Debt
    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 w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 03:57:52 -0700)
    Car Loan Financing – Finding A Good Lender
    When purchasing a new vehicle, most people don’t have enough funds to pay cash and must obtain car loan financing. After deciding which type of car to buy, the next important step is finding a good lender. While you may have no problem qualifying for car loan financing, it is important to shop aroun
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 03:59:25 -0700)
    Low Interest Rate Car Loan – Put Your Good Credit To Work
    If you are in the market for a new vehicle, you will want to find a low interest rate car loan. One of the first things to do before starting your search for a new car is to obtain a copy of your credit report. You will want to make sure you have a good credit standing before applying for a new car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 03:59:33 -0700)
    Low Interest Rate Car Loan – Put Your Good Credit To Work
    If you are in the market for a new vehicle, you will want to find a low interest rate car loan. One of the first things to do before starting your search for a new car is to obtain a copy of your credit report. You will want to make sure you have a good credit standing before applying for a new car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:00:36 -0700)
    Bad Credit Used Car Loan – Financing Tips
    If you have previous credit problems on your record and need to purchase a car, you may need to apply for what is called a bad credit used car loan. A bad credit used car loan will allow you to purchase a vehicle, but you will usually be expected to pay it off in a shorter time frame and at a higher
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:02:12 -0700)
    Car Loan Financing – Finding A Good Lender
    When purchasing a new vehicle, most people don’t have enough funds to pay cash and must obtain car loan financing. After deciding which type of car to buy, the next important step is finding a good lender. While you may have no problem qualifying for car loan financing, it is important to shop aroun
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:02:24 -0700)
    Bad Credit Used Car Loan – Financing Tips
    If you have previous credit problems on your record and need to purchase a car, you may need to apply for what is called a bad credit used car loan. A bad credit used car loan will allow you to purchase a vehicle, but you will usually be expected to pay it off in a shorter time frame and at a higher
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:44:39 -0700)
    Debt Elimination Program - Comparing Debt Programs
    Debt elimination programs help to reduce your debt and improve your financial situation. But not all programs offer the same benefits or risks. Depending on your situation, some programs will be better than others.

    Debt Management Plans – Programs To Handle Accounts

    Debt management
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:45:53 -0700)
    Debt Management Plan - Know What Plan Works Best For You
    Debt management plans (DMP) work to reduce your unsecured debt. They can also reduce your interest rates with most types of unsecured loans. To know what plan will work best for you, identify your own needs first. Then look for a company that has answers to your questions, reasonable rates, and a go
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:46:39 -0700)
    Debt Reduction Program - Finding The Right Program For You
    Find the right debt reduction program begins by asking yourself some key questions. Once you have identified your situation and goals, you can pick the program with the best results.

    Ask Yourself Some Questions

    What kind of debt are you dealing with – mortgage or credit cards? How
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:47:45 -0700)
    Debt Elimination Program - Comparing Debt Programs
    Debt elimination programs help to reduce your debt and improve your financial situation. But not all programs offer the same benefits or risks. Depending on your situation, some programs will be better than others.

    Debt Management Plans – Programs To Handle Accounts

    Debt management
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:47:52 -0700)
    Debt Management Plan - Know What Plan Works Best For You
    Debt management plans (DMP) work to reduce your unsecured debt. They can also reduce your interest rates with most types of unsecured loans. To know what plan will work best for you, identify your own needs first. Then look for a company that has answers to your questions, reasonable rates, and a go
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 04:47:54 -0700)
    Debt Reduction Program - Finding The Right Program For You
    Find the right debt reduction program begins by asking yourself some key questions. Once you have identified your situation and goals, you can pick the program with the best results.

    Ask Yourself Some Questions

    What kind of debt are you dealing with – mortgage or credit cards? How
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:08:58 -0700)
    Are Business Buyer Notes Profitable?
    Like anything else, it depends on the type of business you're selling. Business buyer notes are documents secured by a business, much like a mortgage broker except there is no real estate involved. Often, personal property like cooking equipment, furniture, and office equipment obligates one individ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:11:32 -0700)
    Are Business Buyer Notes Profitable?
    Like anything else, it depends on the type of business you're selling. Business buyer notes are documents secured by a business, much like a mortgage broker except there is no real estate involved. Often, personal property like cooking equipment, furniture, and office equipment obligates one individ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:51:37 -0700)
    Unsecured Debt Consolidation - Pros & Cons
    Unsecured debt consolidation lowers your rates, helping you to pay off your debt sooner with one easy payment. You can also reduce your monthly payments. However, consolidating your short term loans can temporarily lower your credit score. You may also be tempted to use your paid off accounts, creat
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:52:32 -0700)
    Debt Recovery Solutions
    Debt piled up can lead to a financial crisis. However, there are several solutions available to help you recover from debt. Securing a loan to consolidate your bills can create one low interest monthly payment. Debt management companies can also help you reduce your debt and interest rates. A credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:53:32 -0700)
    Home Mortgage - Reasons To Refinance Your House
    Refinancing can have other financial benefits besides lowering rates. Locking in rates can protect you from higher rates, saving you money on future interest costs. You can also change your ARM for better caps to prevent huge monthly increases. Consolidating your bills with your equity saves on cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:54:33 -0700)
    Unsecured Debt Consolidation - Pros & Cons
    Unsecured debt consolidation lowers your rates, helping you to pay off your debt sooner with one easy payment. You can also reduce your monthly payments. However, consolidating your short term loans can temporarily lower your credit score. You may also be tempted to use your paid off accounts, creat
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:54:42 -0700)
    Debt Recovery Solutions
    Debt piled up can lead to a financial crisis. However, there are several solutions available to help you recover from debt. Securing a loan to consolidate your bills can create one low interest monthly payment. Debt management companies can also help you reduce your debt and interest rates. A credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 06:55:04 -0700)
    Home Mortgage - Reasons To Refinance Your House
    Refinancing can have other financial benefits besides lowering rates. Locking in rates can protect you from higher rates, saving you money on future interest costs. You can also change your ARM for better caps to prevent huge monthly increases. Consolidating your bills with your equity saves on cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 08:42:38 -0700)
    Home Buyers’ Guide
    Who buys home for the first time will face many difficulties not only having to understand the process of buying a home but also having to know which type of loan suits them the most. Advice from well meaning loved ones can be helpful, but buying a home is a major financial commitment and you would
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 08:45:05 -0700)
    Home Buyers’ Guide
    Who buys home for the first time will face many difficulties not only having to understand the process of buying a home but also having to know which type of loan suits them the most. Advice from well meaning loved ones can be helpful, but buying a home is a major financial commitment and you would
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:14:48 -0700)
    Mortgage Brokers For Home Loan Refinance - Refinance Online
    Online brokers negotiate financing deals with several lenders. This may mean that you can find a better deal through their site than by working with the lender. Not all mortgage brokers guarantee the lowest refinancing rates, so you should also compare brokers.

    Understanding Mortgage Broker
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:14:52 -0700)
    Mortgage Brokers For Home Loan Refinance - Refinance Online
    Online brokers negotiate financing deals with several lenders. This may mean that you can find a better deal through their site than by working with the lender. Not all mortgage brokers guarantee the lowest refinancing rates, so you should also compare brokers.

    Understanding Mortgage Broker
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:21:04 -0700)
    Bad Credit Home Loan Mortgage Services – 3 Crucial Things To Watch Out For
    When you are seeking out bad credit home loan mortgage services, there are 3 crucial things to watch out for. Predatory lenders are common among bad credit home loan lenders so it’s important to watch for signs of a shady lender.

    However, if you take your time and pay attention to details,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:21:59 -0700)
    Car Loan Refinancing - When To Refinance Your Car Loan
    Want to save money? Lower your monthly payment? Then refinance your old car loan. Trade in your high interest rate loan for a lower rate, especially if your credit score has improved. You can also lower your payments by extending your loan terms, helping your cash flow.

    Trading In High Rate
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:22:49 -0700)
    Comparing Auto Lenders Online
    Auto lenders each offer unique financing packages. Even if rates are the same for auto loans, differences in terms and restrictions can help you decided between lenders. While you compare interest rates, also look at the fine print to be sure you can buy a car where and when you want.

    Ask A
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:23:41 -0700)
    Bad Credit Home Loan Mortgage Services – 3 Crucial Things To Watch Out For
    When you are seeking out bad credit home loan mortgage services, there are 3 crucial things to watch out for. Predatory lenders are common among bad credit home loan lenders so it’s important to watch for signs of a shady lender.

    However, if you take your time and pay attention to details,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:23:51 -0700)
    Car Loan Refinancing - When To Refinance Your Car Loan
    Want to save money? Lower your monthly payment? Then refinance your old car loan. Trade in your high interest rate loan for a lower rate, especially if your credit score has improved. You can also lower your payments by extending your loan terms, helping your cash flow.

    Trading In High Rate
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:23:52 -0700)
    Comparing Auto Lenders Online
    Auto lenders each offer unique financing packages. Even if rates are the same for auto loans, differences in terms and restrictions can help you decided between lenders. While you compare interest rates, also look at the fine print to be sure you can buy a car where and when you want.

    Ask A
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:29:14 -0700)
    Car Loans For People With Bad Credit - Points To Consider
    Car loans are a real possibility for people with bad credit and often a huge step in rebuilding one’s credit score. Before you apply for vehicle financing, check your credit report and shop with several lenders. Also, remember that you can refinance for better rates once your credit score has improv
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 10:30:13 -0700)
    Car Loans For People With Bad Credit - Points To Consider
    Car loans are a real possibility for people with bad credit and often a huge step in rebuilding one’s credit score. Before you apply for vehicle financing, check your credit report and shop with several lenders. Also, remember that you can refinance for better rates once your credit score has improv
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 21:05:21 -0700)
    Working Capital Is Paramount To A Businesses Livelihood
    All of the planning in the world is an exercise in futility without the working capital to successfully carry out the plan. If a business sells to customers on terms, then working capital availability is dependent on cash flow timing. In most instances a business will incur a cash flow gap between t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 23:45:29 -0700)
    Real Estate Investments’ Guideline
    Investing in real estate can be profitable if you know the correct ways to do business in this field. As real estate investment experts say there are several keys to making significant profits in real estate investment deals. And when the deals are profitable, you will certainly be well on your way
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 14 Jan 2006 23:47:17 -0700)
    Real Estate Investments’ Guideline
    Investing in real estate can be profitable if you know the correct ways to do business in this field. As real estate investment experts say there are several keys to making significant profits in real estate investment deals. And when the deals are profitable, you will certainly be well on your way
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:09:14 -0700)
    The Time To Consolidate Your Student Loans Is Now
    I don't know if you're a fan of financial guru and radio show host Dave Ramsey, but I certainly am.

    I listen to Ramsey every day and find his advice to be based on common sense principles for getting out of debt and building wealth.

    One thing that Ramsey recommends is that if you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:10:25 -0700)
    Why A Good Credit Score Is Important To Your Business
    Do you know your credit score is?

    Do you even know WHAT a credit score is?

    Don't feel bad.

    Most people don't.

    Your credit score tells lenders the type of borrower you will likely be based on your credit history. Scores in the United States run between 300 and 950
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:11:36 -0700)
    The Time To Consolidate Your Student Loans Is Now
    I don't know if you're a fan of financial guru and radio show host Dave Ramsey, but I certainly am.

    I listen to Ramsey every day and find his advice to be based on common sense principles for getting out of debt and building wealth.

    One thing that Ramsey recommends is that if you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:11:47 -0700)
    Why A Good Credit Score Is Important To Your Business
    Do you know your credit score is?

    Do you even know WHAT a credit score is?

    Don't feel bad.

    Most people don't.

    Your credit score tells lenders the type of borrower you will likely be based on your credit history. Scores in the United States run between 300 and 950
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:42:23 -0700)
    Is Day Trading For A Living Your Cup Of Tea?
    If you like working with other people's money, then maybe day trading for a living is what you should be doing. This type of trading works daytime hours only, from the moment the stock market opens at 9am until it closes at 4pm in the afternoon, you can do a lot of trading in that amount of time. Or
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:42:32 -0700)
    Is Day Trading For A Living Your Cup Of Tea?
    If you like working with other people's money, then maybe day trading for a living is what you should be doing. This type of trading works daytime hours only, from the moment the stock market opens at 9am until it closes at 4pm in the afternoon, you can do a lot of trading in that amount of time. Or
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:50:46 -0700)
    Instant Car Loans – Benefits Of Car Loans Online
    In a hurry to get approved for a car loan or just don’t have the time to schedule a visit to the bank? Instant car loans have become popular as more people are doing their loan research online. The more you know about applying for a car loan and what rates to expect, the better prepared you will be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:51:40 -0700)
    Used Car Auto Loan - Tips On Financing Your Used Car
    Used cars are not as easy to finance as new cars. Lenders are more hesitant of financing vehicles with unknown pasts. However, you can find reasonable rates on auto loans by lining up your financing before you go car shopping. A down payment of 10% or more, plus shopping with a car dealer can also i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:51:45 -0700)
    Used Car Auto Loan - Tips On Financing Your Used Car
    Used cars are not as easy to finance as new cars. Lenders are more hesitant of financing vehicles with unknown pasts. However, you can find reasonable rates on auto loans by lining up your financing before you go car shopping. A down payment of 10% or more, plus shopping with a car dealer can also i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:52:31 -0700)
    The Bad Credit Mortgage Company – How To Avoid Predatory Mortgage Lending Companies
    One of the most important parts of choosing a bad credit mortgage company to work with is avoiding predatory lenders. Predatory lenders run smooth operations, and specialize in taking advantage of those who are inexperienced or think that they have few or no other loan options. However, thoughtful a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:53:30 -0700)
    Instant Car Loans – Benefits Of Car Loans Online
    In a hurry to get approved for a car loan or just don’t have the time to schedule a visit to the bank? Instant car loans have become popular as more people are doing their loan research online. The more you know about applying for a car loan and what rates to expect, the better prepared you will be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 02:53:44 -0700)
    The Bad Credit Mortgage Company – How To Avoid Predatory Mortgage Lending Companies
    One of the most important parts of choosing a bad credit mortgage company to work with is avoiding predatory lenders. Predatory lenders run smooth operations, and specialize in taking advantage of those who are inexperienced or think that they have few or no other loan options. However, thoughtful a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:03:15 -0700)
    Debt Consolidation Solution – How To Know What Your Solution Is
    If you’re struggling with debt, you may find that debt consolidation could be your solution. There are a few basic types of debt consolidation, and familiarizing yourself with their primary features will help to choose the best debt consolidation solution for your individual financial situation.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:06:43 -0700)
    Debt Consolidation Solution – How To Know What Your Solution Is
    If you’re struggling with debt, you may find that debt consolidation could be your solution. There are a few basic types of debt consolidation, and familiarizing yourself with their primary features will help to choose the best debt consolidation solution for your individual financial situation.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:48:24 -0700)
    Cashflow Problems: How To Get Your Money
    One of the most common problems that affects businesses is that their customers owe them money. When you've done the work but people are being slow to pay you, you can get behind with bills and be short of money to invest in your business. This is, understandably, an annoying situation -- you're bei
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:49:30 -0700)
    Cashflow Problems: How To Get Your Money
    One of the most common problems that affects businesses is that their customers owe them money. When you've done the work but people are being slow to pay you, you can get behind with bills and be short of money to invest in your business. This is, understandably, an annoying situation -- you're bei
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:53:37 -0700)
    Savings Bonds
    Savings bonds are a great way to save money for your future. Either purchased yourself, or given as a gift, savings bonds ensure you that you will have at least some amount of savings later on.

    Although you may already know a little about savings bonds, either owning them yourself or having
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:55:03 -0700)
    Tax Invoice
    A tax invoice is a legal document that offers a look at what the GST is for a transaction. Read on to learn about your obligations for issuing, holding, and supplying the different types of tax invoices.

    You can easily learn what the general requirements are for keeping tax invoices and wha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:55:07 -0700)
    Tax Invoice
    A tax invoice is a legal document that offers a look at what the GST is for a transaction. Read on to learn about your obligations for issuing, holding, and supplying the different types of tax invoices.

    You can easily learn what the general requirements are for keeping tax invoices and wha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 03:56:00 -0700)
    Savings Bonds
    Savings bonds are a great way to save money for your future. Either purchased yourself, or given as a gift, savings bonds ensure you that you will have at least some amount of savings later on.

    Although you may already know a little about savings bonds, either owning them yourself or having
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:05:26 -0700)
    The Importance Of A Financial Advisor
    When it comes to managing your finances, you can certainly do it yourself. If you don’t feel comfortable doing that, you can use the services of a financial analyst or a financial advisor. Choosing one is easy once you know what they can do for you.

    A financial analyst and a personal financ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:07:27 -0700)
    The Importance Of A Financial Advisor
    When it comes to managing your finances, you can certainly do it yourself. If you don’t feel comfortable doing that, you can use the services of a financial analyst or a financial advisor. Choosing one is easy once you know what they can do for you.

    A financial analyst and a personal financ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:10:53 -0700)
    Mortgage Lender
    It is unavoidable some people are getting deeper into debt. When everything goes badly, they view mortgage lender as an angel who can help to recover from financial difficulty. This is one of alternatives that many people are seeking for and this is a way for them to minimize and consolidate their e
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:11:43 -0700)
    Is Home Mortgage Good?
    Basically, a mortgage refers to a long-standing credit that a debtor obtains from a financial institution or from a property seller. If you are in a need of large amount of money to buy a house, a home mortgage is a good alternative for you.

    In most cases, the house is the usual collateral
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:12:46 -0700)
    Mortgage Lender
    It is unavoidable some people are getting deeper into debt. When everything goes badly, they view mortgage lender as an angel who can help to recover from financial difficulty. This is one of alternatives that many people are seeking for and this is a way for them to minimize and consolidate their e
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:12:52 -0700)
    Is Home Mortgage Good?
    Basically, a mortgage refers to a long-standing credit that a debtor obtains from a financial institution or from a property seller. If you are in a need of large amount of money to buy a house, a home mortgage is a good alternative for you.

    In most cases, the house is the usual collateral
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:15:53 -0700)
    Invest In Real Estate With No Money Down
    Are you thinking of investing in real estate? But you do not have enough cash to do so. Here is a tip you can use as long as the property seller is willing to negotiate with you. To be fair, not every seller will be interested (or even understand) the concept outlined. Your best bet is to find a pro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:16:40 -0700)
    Lease Option Technique
    Why do people sell properties using lease options? There is a reason that some of the most successful real estate investors use the lease option technique.

    No Down Payment: I know what you're thinking, "I would never offer such a thing!" You don't have to. As a real estate investor rich in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:17:31 -0700)
    Invest In Real Estate With No Money Down
    Are you thinking of investing in real estate? But you do not have enough cash to do so. Here is a tip you can use as long as the property seller is willing to negotiate with you. To be fair, not every seller will be interested (or even understand) the concept outlined. Your best bet is to find a pro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 04:17:41 -0700)
    Lease Option Technique
    Why do people sell properties using lease options? There is a reason that some of the most successful real estate investors use the lease option technique.

    No Down Payment: I know what you're thinking, "I would never offer such a thing!" You don't have to. As a real estate investor rich in
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:16:31 -0700)
    Building Credit After Bankruptcy: Three Strategies
    Here are three "Building Credit After Bankruptcy" strategies you can use to increase your chances of being approved for auto loans, credit cards, and home loans if you have a bankruptcy on your credit report:

    Building Credit After Bankruptcy Strategy #1

    Apply for credit where you h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:17:15 -0700)
    The Best Balance Transfer Credit Cards: Get Yours Now!
    Have you read your credit card statement lately? Do you know what your annual percentage rate is? How about your annual fee? You may be surprised to learn that your current card is not the bargain you once thought it was. If you are tired of paying fees and big monthly payments then shopping for a n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:18:34 -0700)
    Building Credit After Bankruptcy: Three Strategies
    Here are three "Building Credit After Bankruptcy" strategies you can use to increase your chances of being approved for auto loans, credit cards, and home loans if you have a bankruptcy on your credit report:

    Building Credit After Bankruptcy Strategy #1

    Apply for credit where you h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:18:36 -0700)
    The Best Balance Transfer Credit Cards: Get Yours Now!
    Have you read your credit card statement lately? Do you know what your annual percentage rate is? How about your annual fee? You may be surprised to learn that your current card is not the bargain you once thought it was. If you are tired of paying fees and big monthly payments then shopping for a n
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:24:50 -0700)
    How Did Your Credit Score Today?
    Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit Report.

    It can make a difference of up to 18% in loan repayment costs.

    For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.59%, or $860
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:26:33 -0700)
    How Did Your Credit Score Today?
    Keep Your Credit History Clean - Remove A Negative Credit Record From Your Credit Report.

    It can make a difference of up to 18% in loan repayment costs.

    For example, on a 30-year, $150,000 fixed rate mortgage, a borrower with the best credit score, 760-850, will pay 5.59%, or $860
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:33:00 -0700)
    Money Making Idea - Building A Successful You
    Okay, this is the first thing you should remember.YOU are the absolute most important factor for building your success to make money, whether your business is online or offline. This is a making money opportunity for everyone to consider.

    I have personally researched successful and unsucce
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:34:13 -0700)
    Money Making Idea - Building A Successful You
    Okay, this is the first thing you should remember.YOU are the absolute most important factor for building your success to make money, whether your business is online or offline. This is a making money opportunity for everyone to consider.

    I have personally researched successful and unsucce
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:40:44 -0700)
    Travel Credit Cards
    One of the best perks of using a credit card these days is earning airline miles that you can use for your next family vacation or business trip aboard. If you apply online for credit card offers, you can find a wide variety of airline miles reward programs. One of the most popular is one from Capit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:41:50 -0700)
    Travel Credit Cards
    One of the best perks of using a credit card these days is earning airline miles that you can use for your next family vacation or business trip aboard. If you apply online for credit card offers, you can find a wide variety of airline miles reward programs. One of the most popular is one from Capit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:55:48 -0700)
    Providian Credit Cards
    You may have received an offer in the mail to apply for a Providian credit card. Why should you follow through? Simply put, this is a chance to get a 0 apr credit card online. With no interest for a trial period, you can pay out your balance transfers without accruing any extra interest payments. Pl
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 07:57:50 -0700)
    Providian Credit Cards
    You may have received an offer in the mail to apply for a Providian credit card. Why should you follow through? Simply put, this is a chance to get a 0 apr credit card online. With no interest for a trial period, you can pay out your balance transfers without accruing any extra interest payments. Pl
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 08:56:26 -0700)
    Buying A Home After Bankruptcy - How Long Should You Wait To Buy?
    Individuals interested in purchasing their own home strive to maintain a positive credit rating. This is achieved by paying bills on time, having a low debt to income ratio, and so forth. Nevertheless, several lenders are eager to offer home mortgages to individuals with bad credit. These mortgages
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 08:59:35 -0700)
    Poor Credit Mortgage Refinance – Getting Approved
    Because of low interest rates, many homeowners are opting to refinance their homes and cash-out at closing. The refinance process is similar to the procedure of obtaining the original mortgage. Homeowners must be approved by a lender and pay fees associated with acquiring a new loan – closing cost,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:19:29 -0700)
    Bad Credit Debt Consolidation Loans – Choosing The Right Lender
    If you are ready to bring your finances under control, a bad credit debt consolidation loan may be the right move for you. However, in today’s fiscal climate, there are a lot of debt consolidation scams to watch out for. Choosing the wrong lender can leave you in a financially worse position than wh
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:22:23 -0700)
    Bad Credit Debt Consolidation Loans – Choosing The Right Lender
    If you are ready to bring your finances under control, a bad credit debt consolidation loan may be the right move for you. However, in today’s fiscal climate, there are a lot of debt consolidation scams to watch out for. Choosing the wrong lender can leave you in a financially worse position than wh
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:53:59 -0700)
    Online Accounting
    Accounting in USA has seen lots of change. There was a time when the accounting was more of book keeping done in huge ledgers and was the purview of select few. It’s not so anymore. Accounting is much more widely accepted as a business function and general people also look for the accounting details
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:54:50 -0700)
    Saving Bonds
    Saving Bonds are issued by US Treasury Department. These are not tradable anywhere in the market. The bonds are non-marketable securities. For any buying and selling activity, you need to go to the agents authorized by the government. These agents are called Issuing and Paying agents. The saving bon
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:56:23 -0700)
    Online Accounting
    Accounting in USA has seen lots of change. There was a time when the accounting was more of book keeping done in huge ledgers and was the purview of select few. It’s not so anymore. Accounting is much more widely accepted as a business function and general people also look for the accounting details
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 09:56:33 -0700)
    Saving Bonds
    Saving Bonds are issued by US Treasury Department. These are not tradable anywhere in the market. The bonds are non-marketable securities. For any buying and selling activity, you need to go to the agents authorized by the government. These agents are called Issuing and Paying agents. The saving bon
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 10:04:11 -0700)
    Dealing With Debt!
    Nobody wants to go into debt. Before things are getting worse and far out of hand, you should learn about some of these debt handling solutions.

    First of all, you should know about basics. Basics are lower insurance deductibles for your homeowners, renters and vehicles policies where appro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 10:04:14 -0700)
    Dealing With Debt!
    Nobody wants to go into debt. Before things are getting worse and far out of hand, you should learn about some of these debt handling solutions.

    First of all, you should know about basics. Basics are lower insurance deductibles for your homeowners, renters and vehicles policies where appro
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 10:05:04 -0700)
    How To Manage Your Mortgage Payment
    Normally, banks and financial consultant will advice you to pay extra money into your mortgage. With this method, it will help you cut down the huge interest amount and reduce the period over which you pay back the loan.

    For example, if you borrow $200 000 over 30 years at a rate of 5%, yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 10:06:05 -0700)
    How To Manage Your Mortgage Payment
    Normally, banks and financial consultant will advice you to pay extra money into your mortgage. With this method, it will help you cut down the huge interest amount and reduce the period over which you pay back the loan.

    For example, if you borrow $200 000 over 30 years at a rate of 5%, yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 12:34:31 -0700)
    Basic Tips on Personal Finance
    Do you ever wonder where your money goes every month? Does it sometimes seem as though you cannot afford to do things because your financial obligations are holding you back? If you find that you are asking yourself these sorts of questions, perhaps you should take a look at your financial situation
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 15:10:45 -0700)
    The Real Cost Of Your Debt
    I want you to take a good long look at your debt. Do you really know what it costs you to be in debt? Are you thinking that you can handle it or is it getting you down? Once you start really analyzing your debt position and the cost (to yourself) of having the debt, the results can be mind-nu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 15 Jan 2006 15:29:11 -0700)
    Three Proven Ways To Save Thousands When Selling Your Home
    by Dan Pool © 2006 It's exciting. It's stressful. It's expensive. Selling your home sends you through a whirlwind of emotions. From the excitement of moving to your new residence to the frustration of knowing you'll pay thousands in real estate listing commissions, the journey can often feel
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 01:28:57 -0700)
    Credit Card Consolidation
    It is not uncommon for families or individuals to find themselves in the midst of credit card debt. Many people wonder if credit card debt consolidation is for them. What is involved in this process? Basically, a credit card balance transfer takes place so that all your credit cards are consolidated
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 01:34:22 -0700)
    The Legalities And Issues With An IRS Levy
    An IRS levy is an order from the Internal Revenue Security directing TVA to withhold a specified amount of an employee’s pay to satisfy a tax debt. If the IRS determines that we owe back tax then it may issue an IRS levy requiring the deductions from the pay till the back taxes are paid. They may as
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 03:27:08 -0700)
    Avoiding Credit Card Fees
    Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 03:32:10 -0700)
    Credit Card Rates
    There are a number of factors that will effect the credit card rates you will be offered by credit card providers. Credit card providers never offer the same credit card interest rate to all of their customers, but using complex calculations of risk assessment and credit worthiness, they set a numbe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:29:57 -0700)
    Avoid Getting Ripped Off From Payday Loans
    Payday loans can, at first, seem like the long awaited answer to all your financial problems. Payday loans offer customers the opportunity to be pre-approved no matter what their credit history and receive quick, easy, cash loans prior to their next payday. What could go wrong? In fact, payday loans
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:31:10 -0700)
    Avoid Getting Ripped Off From Payday Loans
    Payday loans can, at first, seem like the long awaited answer to all your financial problems. Payday loans offer customers the opportunity to be pre-approved no matter what their credit history and receive quick, easy, cash loans prior to their next payday. What could go wrong? In fact, payday loans
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:50:32 -0700)
    An Analysis Of Lexmark
    In 2005, Berkshire Hathaway bought about a million shares of Lexmark. I haven’t followed this story closely, but I assume the stock was purchased by Lou Simpson rather than Warren Buffett. I have only two reasons for believing this: the total purchase was small relative to Berkshire’s investable ass
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:53:59 -0700)
    Comparing Google's Search Franchise To Mccormick's Spice Franchise
    Google has a competitive advantage. In fact, one might even say it has a franchise in web search. I wouldn’t say that. I mean, Google does have a franchise; but, it doesn’t have a monopoly on web search and never will. There are real problems with Google’s model that are often overlooked. It does a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:55:26 -0700)
    Against The Top Down Approach To Picking Stocks
    If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds. At this point, they may also decide upon the relative mix of foreign and domestic
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:55:26 -0700)
    An Analysis Of Lexmark
    In 2005, Berkshire Hathaway bought about a million shares of Lexmark. I haven’t followed this story closely, but I assume the stock was purchased by Lou Simpson rather than Warren Buffett. I have only two reasons for believing this: the total purchase was small relative to Berkshire’s investable ass
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:56:35 -0700)
    Comparing Google's Search Franchise To Mccormick's Spice Franchise
    Google has a competitive advantage. In fact, one might even say it has a franchise in web search. I wouldn’t say that. I mean, Google does have a franchise; but, it doesn’t have a monopoly on web search and never will. There are real problems with Google’s model that are often overlooked. It does a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 05:56:41 -0700)
    Against The Top Down Approach To Picking Stocks
    If you have heard fund managers talk about the way they invest, you know a great many employ a top down approach. First, they decide how much of their portfolio to allocate to stocks and how much to allocate to bonds. At this point, they may also decide upon the relative mix of foreign and domestic
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 06:24:06 -0700)
    Is There Really A Magic Formula For Investing?
    One question almost every investor asks at some point is whether it is possible to achieve above market returns by selecting a diversified group of stocks according to some formula, rather than having to evaluate each stock from every angle. There are obvious advantages to such a formulaic approach.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 06:24:12 -0700)
    Is There Really A Magic Formula For Investing?
    One question almost every investor asks at some point is whether it is possible to achieve above market returns by selecting a diversified group of stocks according to some formula, rather than having to evaluate each stock from every angle. There are obvious advantages to such a formulaic approach.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 06:25:48 -0700)
    Why Are Duopolies So Competitive?
    A duopoly is a situation in which two firms control nearly all of the market for a product or service.

    Duopolies can be surprisingly competitive. If you remember that the price of a product or service is determined solely by the highest losing bid price and the lowest losing ask price, you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 06:28:38 -0700)
    Why Are Duopolies So Competitive?
    A duopoly is a situation in which two firms control nearly all of the market for a product or service.

    Duopolies can be surprisingly competitive. If you remember that the price of a product or service is determined solely by the highest losing bid price and the lowest losing ask price, you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:03:02 -0700)
    Credit Card Rates
    There are a number of factors that will effect the credit card rates you will be offered by credit card providers. Credit card providers never offer the same credit card interest rate to all of their customers, but using complex calculations of risk assessment and credit worthiness, they set a numbe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:25:43 -0700)
    The Easiest Way To Eliminate Your Credit Card Debt
    Credit cards can offer customers the option of a quick solution to financial worries. However, many people who begin using credit cards often find it to be almost addictive. For many people who begin using credit as a means of payment for expenses, credit card debt can become a huge problem. Credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:27:19 -0700)
    The Easiest Way To Eliminate Your Credit Card Debt
    Credit cards can offer customers the option of a quick solution to financial worries. However, many people who begin using credit cards often find it to be almost addictive. For many people who begin using credit as a means of payment for expenses, credit card debt can become a huge problem. Credit
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:34:38 -0700)
    Proposed Changes Could Result In Lower Car Insurance Premiums
    At the moment, the legal system in Britain forces all personal injury claims to go through the courts and be judged on an individual basis. Many of these claims crawl through the courts at a leisurely pace, the result being expensive court costs. Even worse, for every ?0„51 that is paid out in compe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:35:44 -0700)
    Foreign Currency Mortgages – The Pros And Cons
    Virtually all mortgage borrowers go with a mainstream UK lender to make the biggest purchase of their lives, it’s the done thing and to be honest most people don’t realise there is a viable alternative – the foreign currency mortgage.

    Interest rates are reasonably healthy in the UK at the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:37:00 -0700)
    Proposed Changes Could Result In Lower Car Insurance Premiums
    At the moment, the legal system in Britain forces all personal injury claims to go through the courts and be judged on an individual basis. Many of these claims crawl through the courts at a leisurely pace, the result being expensive court costs. Even worse, for every ?0„51 that is paid out in compe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 07:37:03 -0700)
    Foreign Currency Mortgages – The Pros And Cons
    Virtually all mortgage borrowers go with a mainstream UK lender to make the biggest purchase of their lives, it’s the done thing and to be honest most people don’t realise there is a viable alternative – the foreign currency mortgage.

    Interest rates are reasonably healthy in the UK at the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 08:25:46 -0700)
    UK Debt Advice
    These days people are incurring more debt than ever before and it sometimes becomes more than they are able to manage due to illness, unexpected expenses or a job loss. Fortunately, there are many tools today to help manage your debt problems. It is important to fully understand the options availa
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 08:33:08 -0700)
    Credit Card Fraud, Be Aware
    Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 08:39:59 -0700)
    Compromising With The IRS
    Few things threaten your well-being like the harassment and anxiety of persistent tax problems. Most people make 3 mistakes that get them in trouble with the IRS. They procrastinate. They attempt to represent themselves. They hire sub-par representation and now are in MORE need of help than ever bef
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 08:42:17 -0700)
    Compromising With The IRS
    Few things threaten your well-being like the harassment and anxiety of persistent tax problems. Most people make 3 mistakes that get them in trouble with the IRS. They procrastinate. They attempt to represent themselves. They hire sub-par representation and now are in MORE need of help than ever bef
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 17:01:31 -0700)
    Flipping Real Estate: Calculating Costs
    If you been in the real estate investing business, or more specifically been flipping real estate, for more than a few days, you’ve inevitably gotten an email that reads something like this: “Investor’s Dream. This property will go QUICK. - Property Address: 1234 Main Street - Asking Price: $
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 17:10:25 -0700)
    18 Tips for privately buying a second hand car
    • Do some initial homework. Find out about the type of car you are considering. Check out any known mechanical problems with that model. • Check out the current second hand values for the car. A good place to start is www.what car .com. Also get your local paper and some of the specialist seco
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 17:39:26 -0700)
    Life Insurance – Why does less than half the UK population have cover?
    Less than 50% of the UK population has any form of life insurance cover, says Swiss Re, one of the largest insurance companies in the world. In their latest annual report they estimate that £4.2 trillion worth of insurance cover is needed whereas only £1.8 trillion has been taken up. That leaves an
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 17:48:56 -0700)
    Avoiding Credit Card Fees
    Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the en
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 18:01:33 -0700)
    Critical illness Insurance. Insurers under fire
    Recent press coverage has again lambasted the insurance industry over critical illness insurance. The underlying problem is that a critical illness claim is not as straightforward as, for example, a claim under car or life insurance. With car insurance it's patently clear whether or not you've had a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 18:20:16 -0700)
    Critical Illness Insurance. Big changes on the horizon
    In recent years sales of critical illness insurance have flagged. The primary cause is the huge 70% increase in premiums experienced during recent years. For many, critical illness insurance has simply priced itself out of the market. It's not that critical illness insurance is a bad idea. After
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 19:11:58 -0700)
    Credit Score Boosts
    Everyone wants to boost their Credit Score, right? I mean, why would anyone want to pay a higher Interest Rate, whether it’s for a home, a car, or the credit cards? Whether you have good credit, or are credit challenged, the following information is designed to help you boost your Credit Score sig
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 19:39:16 -0700)
    Car insurance premiums could be falling soon
    The legal system in Britain currently means that all personal injury claims have to go through the courts individually. Many personal injury claims crawl through the courts at a snail’s pace. The result is lengthy and expensive court costs, and for every £1 that is given in compensation, it has been
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 19:51:07 -0700)
    Foreign Currency Mortgages – the advantages and disadvantages
    The vast majority of mortgage borrowers get their mortgage from a mainstream UK lender, paying in pounds sterling and following the Bank of England base interest rate. But there are alternatives… The UK’s domestic interest rates are quite low, especially in comparison with recent years, however
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 16 Jan 2006 23:33:17 -0700)
    how to compute tax withholding amount
    Having the correct tax withheld for the year is important for a couple of reasons. Having too little taxes withheld and most likely you will need to pay taxes, and having too much withheld means that you will have overpaid taxes which you could have kept and used during the year, instead of getting
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 00:33:50 -0700)
    What Is A Mini Forex Account?
    Nowadays many people around the world is looking for entering the world of Forex trading due to its very high profitability potential and many other advantages the Forex market has over other capital markets. But one of the main worries of the new trader is if he will need lots of money in order
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 00:42:36 -0700)
    Credit Repair After Bankruptcy: Your Options
    When it comes to credit repair after bankruptcy you have essentially three options:

    1) Hire a credit repair company

    2) Buy credit repair software

    3) Do it yourself (free!)

    Before we go further, for the purpose of this article "credit repair" means the removal of a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 00:49:59 -0700)
    Forex Trading, What Hours Should I Be Ready For Trading?
    Once you have decided to enter the Forex trading world you will find that FX trading has many advantages over other capital markets. Including among others; very low margins, free trading platforms, high leverage and around-the-clock trading. It is my main concern in this article to let you know
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 02:26:39 -0700)
    How to Find Affordable Health Insurance
    Affordable health insurance - it seems, especially today, those words just don't belong together in the same sentence. Health insurance monthly premiums have become the biggest single expense in our lives - surpassing even mortgage payments. In fact, if you have any permanent health problems, such a
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 02:31:26 -0700)
    Easing Credit Card Worries
    Credit cards getting you down at the moment, wish there was a way to ease the burden for a short while and save yourself some money in the process, well read on and find out how. Balance transfers could be the answer to your prayers, some of the introductory deals on balance transfers are really
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 03:06:03 -0700)
    Start Investing Early in Your Career
    The time to start investing is when you are young. If you have a college degree and you start investing immediately after you graduate and get your first job, it is possible to retire as a millionaire. Find an employer that will match your 401K contribution. You’re young, you just landed a new jo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 06:34:38 -0700)
    Reverse Mortgages Explained
    Can't remember how many times I've been asked "What is a reverse mortgage"? Reverse mortgages are a great way to get a loan using your primary asset. As in all cases of financial lending, the flexibility comes at a price. A reverse mortgage is a loan using your house and is referred to as a "rising
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 06:34:55 -0700)
    Cash Back Credit Cards
    Cash back credit cards are a fantastic way for you to make some cash, while spending on your credit card, though it does only suit the customers who pay their bill in full at the end of each month. A cash back credit card will give you the chance to earn as you spend, as a percentage is returned
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 06:36:40 -0700)
    How to avoid credit card debt
    There are certain things in life that you will wish to avoid if you want to have a secure financial present and future for yourself and your family. Credit card debt is certainly one of those things that you should be avoiding. People do not always realise or think about it but keeping an outstandin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 08:27:18 -0700)
    Bankruptcy in the UK
    Bankruptcy is a way to free you from significant debt after all other reasonable options have been exhausted. You can choose to present the bankruptcy petition yourself or it can be presented by a creditor that is owed at least £750 in unsecured debt. You need to be aware that a Cash For Structured Settlements - The Smart Way
    For most people when they buy a house it is considered their life’s largest deal. In some cases of structured settlements the compensation and financial considerations for a persons life duration and the total present value of the settlement can reach few millions of dollars. Therefore it is strongl
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 08:34:57 -0700)
    Cash For Structured Settlements - The Smart Way
    For most people when they buy a house it is considered their life’s largest deal. In some cases of structured settlements the compensation and financial considerations for a persons life duration and the total present value of the settlement can reach few millions of dollars. Therefore it is strongl
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:38:49 -0700)
    Interest Only Mortgages
    By definition, a mortgage is a temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt. Simplified, that means you borrow money from a financial institution and they essentially buy your house and you pay it back. How can this happe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:41:14 -0700)
    How To Get The Right Credit Score
    Imagine that you are going into a lender's office prepared to apply for and receive a loan. You know what your credit scores are and you even got one score from each of the three major credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe you were appr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:41:14 -0700)
    Interest Only Mortgages
    By definition, a mortgage is a temporary, conditional pledge of property to a creditor as security for performance of an obligation or repayment of a debt. Simplified, that means you borrow money from a financial institution and they essentially buy your house and you pay it back. How can this happe
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:42:31 -0700)
    Easy Ways To Get A Higher Credit Card Limit
    It is normal for many credit card holders aspire for a higher credit card limit. With this allowance will enable them to purchase higher price items or even unaffordable merchandises.

    First and foremost, credit card holders need to remember that to get a higher credit card limit, they must
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:43:54 -0700)
    How To Get The Right Credit Score
    Imagine that you are going into a lender's office prepared to apply for and receive a loan. You know what your credit scores are and you even got one score from each of the three major credit bureaus: Equifax. Experian, and TransUnion. You are shocked when your loan is denied, or maybe you were appr
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:44:01 -0700)
    Easy Ways To Get A Higher Credit Card Limit
    It is normal for many credit card holders aspire for a higher credit card limit. With this allowance will enable them to purchase higher price items or even unaffordable merchandises.

    First and foremost, credit card holders need to remember that to get a higher credit card limit, they must
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:52:30 -0700)
    Buy Things Online With Credit Card
    When buying online, you can ask for delivering a check payment to you in the mail. Most shopping basket software allows you to select this option when you are setting it up. If you already have an offline, bricks and mortar business, you may simply wish to accept credit card payments over the phone.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 09:54:05 -0700)
    Buy Things Online With Credit Card
    When buying online, you can ask for delivering a check payment to you in the mail. Most shopping basket software allows you to select this option when you are setting it up. If you already have an offline, bricks and mortar business, you may simply wish to accept credit card payments over the phone.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 10:31:44 -0700)
    Master the art of Debt management
    In making any purchase, you want that the item purchased must have a long term utility. However, while selecting the debt management technique a shift in the approach is quite noticeable. We find that short term debt management techniques like debt consolidation loans are much greater in use. Nevert
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Tue, 17 Jan 2006 10:48:13 -0700)
    Real Estate Marketing – Getting Focused
    The single biggest question I get from people getting started in real estate (and experienced for that matter) is “how to find deals?” They say, “I don’t know what to focus on in real estate. Should I focus on rehabbing? Should I focus on finding absentee owners? Should I focus on direct mail?” T
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 04:30:47 -0700)
    Credit Card Interest Rates
    If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 04:34:38 -0700)
    Using Your Credit Card Wisely
    Keeping your credit card debts in check should be your sole aim in life if you want to live a financially viable life, because if you don’t the fall out of having a lot of debt on your credit cards can start to affect other parts of your life. As much as credit cards are a handy spending tool, th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 07:02:01 -0700)
    Easing Credit Card Worries
    Credit cards getting you down at the moment, wish there was a way to ease the burden for a short while and save yourself some money in the process, well read on and find out how.

    Balance transfers could be the answer to your prayers, some of the introductory deals on balance transfers are
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 07:06:12 -0700)
    Easing Credit Card Worries
    Credit cards getting you down at the moment, wish there was a way to ease the burden for a short while and save yourself some money in the process, well read on and find out how.

    Balance transfers could be the answer to your prayers, some of the introductory deals on balance transfers are
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 07:38:32 -0700)
    Tax Haven Raises 2006 Entry Price
    While Monaco is a well known European tax haven, Andorra has remained little known outside of the financial community - despite enjoying the same tax advantages and arguably more private banking than her better known rival.

    In contrast to the similar financial benefits both Monaco and Andor
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 07:45:59 -0700)
    Tax Haven Raises 2006 Entry Price
    While Monaco is a well known European tax haven, Andorra has remained little known outside of the financial community - despite enjoying the same tax advantages and arguably more private banking than her better known rival.

    In contrast to the similar financial benefits both Monaco and Andor
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 07:59:47 -0700)
    Credit card fees
    For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider wi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:12:09 -0700)
    Why Not to Pay PPI (Payment Protection Insurance)
    One way to save money on your credit card bill is to not take the payment protection insurance, this is a waste of money and the only one who will benefit from this is the credit card company. Some people don’t realise that they are actually paying the payment protection insurance it can be hidde
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:13:07 -0700)
    Diminish the Fear of Credit Card Fraud
    One way to save money on your credit card bill is to not take the payment protection insurance, this is a waste of money and the only one who will benefit from this is the credit card company. Some people don’t realise that they are actually paying the payment protection insurance it can be hidde
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:13:27 -0700)
    Avoiding Credit Card Penalties
    It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. Th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:16:58 -0700)
    Credit Card Fraud Be Aware
    Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:19:52 -0700)
    Revealing The Truth Behind The Garnishment Laws
    Garnishment law has been in force to improvise the mode of collection of payment for the money due towards the federal government or any other creditor. Garnishment law also states wage garnishment according to which the money is deducted directly from the person’s salary after assessing the monthly
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:19:57 -0700)
    Credit Card Fraud Be Aware
    Are you worried about your credit card or debt card being stolen? You’re not alone, it’s estimated that 51% of people in the UK are concerned about their credit and debt cards being stolen. Credit card fraud is a consent worry, and with more people using there cards as there main source of paying fo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:25:34 -0700)
    Revealing The Truth Behind The Garnishment Laws
    Garnishment law has been in force to improvise the mode of collection of payment for the money due towards the federal government or any other creditor. Garnishment law also states wage garnishment according to which the money is deducted directly from the person’s salary after assessing the monthly
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:50:18 -0700)
    Finding A Payday Loan
    When deciding on loans, make sure to do plenty of research. It is important to compare all the possible offers you have to choose from. Many times a payday cash advance from a loan agency is often one of the best choices as far as getting a low APR and finance charges. One aspect of payday loans tha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 08:51:50 -0700)
    Finding A Payday Loan
    When deciding on loans, make sure to do plenty of research. It is important to compare all the possible offers you have to choose from. Many times a payday cash advance from a loan agency is often one of the best choices as far as getting a low APR and finance charges. One aspect of payday loans tha
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 10:07:23 -0700)
    0% APR Introductory With Balance Transfer Option
    The Christmas Holiday Season brings retailers 25% and more of their yearly sales. It's safe to assume the month of January most likely shows the highest consumer credit card balances. As impulse buying often times is the culprit in charging more than we planned, it's easy to see how one could get ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 10:11:19 -0700)
    0% APR Introductory With Balance Transfer Option
    The Christmas Holiday Season brings retailers 25% and more of their yearly sales. It's safe to assume the month of January most likely shows the highest consumer credit card balances. As impulse buying often times is the culprit in charging more than we planned, it's easy to see how one could get ca
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 13:40:35 -0700)
    Bonding Companies Contractor Criteria
    Bonding companies look at far more than just owners’ personal credit when it comes to contract surety over $100,000. A surety wants to have confidence in their bonded contractors prior to approval. There are numerous different actions a contractor can take to instill confidence in a bonding company.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 15:44:38 -0700)
    Need A Credit Card? No Problem. And That's The Problem
    Need a credit card? No problem! And that's exactly the problem. In a nation where instant gratification is touted as a virtue, credit is available to anyone no matter what their credit history. This is causing personal and financial problems for many consumers who abuse the easy availability of cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 15:44:41 -0700)
    Need A Credit Card? No Problem. And That's The Problem
    Need a credit card? No problem! And that's exactly the problem. In a nation where instant gratification is touted as a virtue, credit is available to anyone no matter what their credit history. This is causing personal and financial problems for many consumers who abuse the easy availability of cred
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 15:47:29 -0700)
    Earn Extra Income; Start Distributing Credit Cards Yourself
    Become a Credit Card Distributor

    Mastercard International is targeting a 40 per cent growth for the financial year 2004-05. At present, it has 7 million debit cards and 5 million credit cards. ...

    People will always need credit cards; it seems the average person has about 4 cards i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 15:48:19 -0700)
    Earn Extra Income; Start Distributing Credit Cards Yourself
    Become a Credit Card Distributor

    Mastercard International is targeting a 40 per cent growth for the financial year 2004-05. At present, it has 7 million debit cards and 5 million credit cards. ...

    People will always need credit cards; it seems the average person has about 4 cards i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 22:53:17 -0700)
    Credit Cards With Bad Credit
    If you have less than perfect credit, you may have seen ads promising you a credit card regardless of your credit history or job status. Most of these ads are actually for a secured credit card, which can be a great way to rebuild your credit. Your credit may need rebuilding if you have a history of
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 23:10:57 -0700)
    Are New Bankruptcy Laws Going To Help You?
    There are 2 sides to the changes in bankruptcy rules. It will be a lot harder to file bankruptcy under chapter 7 and get a totally clean slate.

    For businesses, relying on issuing credit, the new personal bankruptcy law is doing great, reducing personal bankruptcy claims from the thousands t
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 23:53:34 -0700)
    Cash Advances And Credit Card Checks - A Closer Look
    Chances are you own numerous credit cards but you may not have realized that they offer other methods of extending you credit. One such alternative is the credit card check. Not commonly used but it does have its place in certain circumstances. Another commonly used method of extending credit offere
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 23:53:40 -0700)
    Cash Advances And Credit Card Checks - A Closer Look
    Chances are you own numerous credit cards but you may not have realized that they offer other methods of extending you credit. One such alternative is the credit card check. Not commonly used but it does have its place in certain circumstances. Another commonly used method of extending credit offere
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Wed, 18 Jan 2006 23:56:51 -0700)
    Getting the Best Deal on Auto Insurance
    Shop around and do it yearly. Don’t just keep paying the invoice over and over without comparison shopping. Below are a few suggestions to help you get the best deal available on your automobile insurance policy. Insurance agents really have a lot of leeway. They can price match and they can off
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 03:26:33 -0700)
    Payday Loans: What Are They?
    Payday loans are loans that just about anyone can tap into. If you have a steady job and need a fast loan option, then these may be just the right solution for you. The loans are only good as your paycheck, though, so you’ll need to have a steady flow of income coming in. Here’s how they work.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 04:00:29 -0700)
    Retirement: Planning For When You Get There
    Are you ready for retirement? For most hard working individuals, retirement doesn’t seem like it is close enough. But, for those that realize the amount of money needed to be well off through the later stages of life, there is nothing more important than pushing retirement a little farther away.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 05:02:09 -0700)
    Mbna Credit Cards For Students
    Most college students are eager to begin their lives as independent adults. Part of this journey is learning how to be financially stable and responsible with a student credit card. If you are looking for a good deal on a student credit card and you are a big fan of your particular university, you m
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 05:08:09 -0700)
    Mbna Credit Cards For Students
    Most college students are eager to begin their lives as independent adults. Part of this journey is learning how to be financially stable and responsible with a student credit card. If you are looking for a good deal on a student credit card and you are a big fan of your particular university, you m
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 09:12:24 -0700)
    Making Money in Real Estate
    WARNING: This single step can double your real estate investing income in the next 90 days. Decide on your target market Determine what your target market will be. I know from experience that it is really easy to want to do EVERYTHING: Foreclosures, probate, absentee owners, abandoned properti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 09:38:33 -0700)
    Handling Credit Card Debt
    When you find yourself in the midst of credit card debt, you may wonder if there is any way to pay off your balances without accruing so much interest and becoming trapped in what seems an inescapable cycle. If you can go online, visit the America Express website at http://www.americanexpress.com to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 09:44:43 -0700)
    Handling Credit Card Debt
    When you find yourself in the midst of credit card debt, you may wonder if there is any way to pay off your balances without accruing so much interest and becoming trapped in what seems an inescapable cycle. If you can go online, visit the America Express website at http://www.americanexpress.com to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 10:18:40 -0700)
    Cash Back Credit Cards
    Cash back credit cards are a fantastic way for you to make some cash, while spending on your credit card, though it does only suit the customers who pay their bill in full at the end of each month.

    A cash back credit card will give you the chance to earn as you spend, as a percentage is ret
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 10:21:50 -0700)
    How To Avoid Credit Card Debt
    There are certain things in life that you will wish to avoid if you want to have a secure financial present and future for yourself and your family. Credit card debt is certainly one of those things that you should be avoiding. People do not always realise or think about it but keeping an outstandin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 10:24:22 -0700)
    Cash Back Credit Cards
    Cash back credit cards are a fantastic way for you to make some cash, while spending on your credit card, though it does only suit the customers who pay their bill in full at the end of each month.

    A cash back credit card will give you the chance to earn as you spend, as a percentage is ret
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 10:26:28 -0700)
    How To Avoid Credit Card Debt
    There are certain things in life that you will wish to avoid if you want to have a secure financial present and future for yourself and your family. Credit card debt is certainly one of those things that you should be avoiding. People do not always realise or think about it but keeping an outstandin
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 12:43:43 -0700)
    student financial maze
    You just finished high school and realize you have two months to work and save up for your very expensive post secondary education. Your parents are willing to help you out a bit, you have a very impressive $4.32 stashed in your savings account, and you have a rewarding job at Wal-Mart 3 days a week
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 12:45:11 -0700)
    student financial maze
    You just finished high school and realize you have two months to work and save up for your very expensive post secondary education. Your parents are willing to help you out a bit, you have a very impressive $4.32 stashed in your savings account, and you have a rewarding job at Wal-Mart 3 days a week
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 14:14:56 -0700)
    Credit Cards and You
    Australians owe $32 billion in credit card debt, according to Reserve Bank figures, and some experts predict this will balloon to almost $50 billion by 2009. Thats a staggering figure and as it would it appear it's definately on the rise with Baycorp Advantage, a credit information provider, sayi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 15:39:11 -0700)
    Annuity Transfer - What Are The Risks
    Many people who know in the back of their minds that they got the possibility to transform a monthly payment or annuity long term payments into a big lump sum and by that to relieve some temporarily financial problems, or need to buy a new car or a house or help their children and so forth are tempt
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 15:46:15 -0700)
    Annuity Transfer - What Are The Risks
    Many people who know in the back of their minds that they got the possibility to transform a monthly payment or annuity long term payments into a big lump sum and by that to relieve some temporarily financial problems, or need to buy a new car or a house or help their children and so forth are tempt
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 19:57:45 -0700)
    Using Your Credit Card Wisely
    Keeping your credit card debts in check should be your sole aim in life if you want to live a financially viable life, because if you don’t the fall out of having a lot of debt on your credit cards can start to affect other parts of your life.

    As much as credit cards are a handy spending to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 20:10:21 -0700)
    Credit Card Interest Rates
    If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Thu, 19 Jan 2006 20:48:01 -0700)
    Home Equity Loan
    Home Equity Loan is the money that you get as a loan based on the value of your own home. In other words the money that you have invested in purchasing that lovely home can be leveraged to buy a Car, pay off Student Loan or any other loans. Other then being easily available at attractive rates, it’s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 03:12:36 -0700)
    Credit Card Interest Rates
    If you are concerned about the credit card interest rates you are being offered, or any other terms or conditions that you feel are unfair or less favourable than those to which you are entitled to, you may wish to familiarise yourself with the Fair Credit Reporting Act or FCRA as it is abbreviated.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 03:14:08 -0700)
    Paying your credit card on time
    One of the most common ways to get a penalty charge from your credit card company is if you fail to pay your credit card monthly statement on time. Therefore, if you are finding that you are being charged with a lot of penalty charges on your card or cards, one of the first things you will need to s
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 03:21:27 -0700)
    Are You Worried About Credit Card Debt
    Properly every one of us has some sort of credit card debt, but when do we know that it’s spiralling out of control? Well one way is if you’re pay more than 15% of your monthly salary to your credit card bills then start to worry, but a worse way of dealing with this is borrowing cash from one credi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 03:22:49 -0700)
    Better the Devil You Know
    To save money on your credit cards, doesn’t always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a better deal than the one that you are getting at present.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 04:19:24 -0700)
    Best Homeowner Loans – Perfect Package for homeowners
    What is the first thing that comes to your mind when you hear the word “home”? The very first thing which comes in the mind of most of us would be a place filled with love, support and care of family members. Each one of us is emotionally attached to it. I want my family members to be happy and you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 07:35:43 -0700)
    Personal Finance 101 - Credit Checks
    Credit cards, personal loans, mortgages and other forms of personal credit are an everyday part of financial life for all UK consumers. Looking at the figures for UK personal debt shows that Britain appears to be addicted to borrowing money and still continues obtaining more from the financial insti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 07:47:42 -0700)
    Personal Finance 101 - Credit Checks
    Credit cards, personal loans, mortgages and other forms of personal credit are an everyday part of financial life for all UK consumers. Looking at the figures for UK personal debt shows that Britain appears to be addicted to borrowing money and still continues obtaining more from the financial insti
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 10:39:30 -0700)
    Second Mortgage a Good First Step
    A second mortgage can be the first step to climbing out of debt, especially for homeowners who have bad credit. A second mortgage is a loan taken out in “second position” on a property that already has a mortgage. There are fixed-rate loans, adjustable-rate loans and home equity lines of credit (als
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 17:44:16 -0700)
    Budget Insurance Enhance Travel Insurance Proposition
    The partnership has recently launched and will see the Group offering a wider selection of travel Insurance products with increased flexibility and competitive prices. As a result of the new venture Budget expects to see a considerable increase in volumes for travel insurance, particularly from thei
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 19:22:05 -0700)
    A Hud Reverse Mortage For Retirement?
    HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.

    HUD Reverse Mortgage Eligibility

    Homeowners must meet the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 19:26:41 -0700)
    A Hud Reverse Mortage For Retirement?
    HUD reverse mortgages can be a great tool for Seniors that are looking for additional funds for retirement. Through a HUD reverse mortgage, seniors can tap into the equity from their homes without having to make repayments.

    HUD Reverse Mortgage Eligibility

    Homeowners must meet the
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 23:15:23 -0700)
    Life Insurance report from LifeSearch females buying protection has doubled since 1999
    In 1999, just one in five of LifeSearch’s customers were female, however, figures for 2004 and 2005 so far show that the number has now increased to 39%. With more than 150,000 lives covered, the information represents a large number of customers and shows that many more females are thinking abou
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Fri, 20 Jan 2006 23:55:36 -0700)
    Drive Safe This Winter With Express Car Insurance
    By taking precautions you can reduce the chances of having any unfortunate accidents, even a small collision into another vehicle could affect your car insurance costs in the following year, so to avoid heartache this Christmas follow some of our hints and tips. · First and foremost, is the journ
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 00:28:48 -0700)
    Forex and Some Important Facts about Bollinger Bands.
    Forex trading is nowadays one of the most looked after occupation for many persons of all ages around the world. This is due to its great advantages over other capital markets and its high profitability potential; among these advantages you will find that is extremely easy to access a trading platfo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 01:02:48 -0700)
    Tax Magic: How To Turn Taxable Income Into Tax-Free Income
    Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit.

    Here's one of my favorites. It's been part of our tax code for over 30 years, yet many still don't take advantage of it.

    What am I talking about?

    The IRA
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 01:06:47 -0700)
    Tax Magic: How To Turn Taxable Income Into Tax-Free Income
    Believe it or not, there are ways to convert taxable income into non-taxable income, without any fear of an IRS audit.

    Here's one of my favorites. It's been part of our tax code for over 30 years, yet many still don't take advantage of it.

    What am I talking about?

    The IRA
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 01:36:21 -0700)
    Best Homeowner Loans – Perfect Package for homeowners
    What is the first thing that comes to your mind when you hear the word “home”? The very first thing which comes in the mind of most of us would be a place filled with love, support and care of family members. Each one of us is emotionally attached to it. I want my family members to be happy and you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 02:43:43 -0700)
    Breakdown Cover Is it Worth it?
    I read in the newspapers last year that 1 in 4 people drive on the UK roads without adequate protection for a breakdown. This included not having a suitable spare tire, jack, or a basic tool kit in case the worst were to happen. But what is more surprising is how many people take to the roads withou
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 02:46:07 -0700)
    Breakdown Cover Is it Worth it?
    I read in the newspapers last year that 1 in 4 people drive on the UK roads without adequate protection for a breakdown. This included not having a suitable spare tire, jack, or a basic tool kit in case the worst were to happen. But what is more surprising is how many people take to the roads withou
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 03:24:07 -0700)
    Oning a Ferrari is it worth it?
    Driving a Ferrari has always been a dream of mine. I am unfortunate that I remember Danny Wild driving his red Ferrari around Europe in the Persuaders on TV back in the early 70s. But then when you do get to drive one, you realise that they are only designed to be driven one way, and that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 03:25:57 -0700)
    Oning a Ferrari is it worth it?
    Driving a Ferrari has always been a dream of mine. I am unfortunate that I remember Danny Wild driving his red Ferrari around Europe in the Persuaders on TV back in the early 70s. But then when you do get to drive one, you realise that they are only designed to be driven one way, and that
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 08:10:14 -0700)
    Expert Tips On Choosing A Credit Counseling Agency
    With the debt levels at all time high, credit counseling agencies are reaping on the boom. However, as a consumer, it is in your best interest to choose a credit counseling agency wisely. In generally accreditation is helpful and an accreditation with either the National Foundation for Credit Counse
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 08:18:54 -0700)
    Expert Tips On Choosing A Credit Counseling Agency
    With the debt levels at all time high, credit counseling agencies are reaping on the boom. However, as a consumer, it is in your best interest to choose a credit counseling agency wisely. In generally accreditation is helpful and an accreditation with either the National Foundation for Credit Counse
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 08:36:13 -0700)
    How To Improve Your Chances To Qualify For A Conventional Home Loan
    Before you give up on the idea that you will never be able to get a home equity loan because of your bad credit, first be sure you can’t get one. It may save you a lot of work, and it opens up more possibilities for home purchases and help from real estate agents.

    You might be surprised to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 08:39:01 -0700)
    How To Improve Your Chances To Qualify For A Conventional Home Loan
    Before you give up on the idea that you will never be able to get a home equity loan because of your bad credit, first be sure you can’t get one. It may save you a lot of work, and it opens up more possibilities for home purchases and help from real estate agents.

    You might be surprised to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:14:21 -0700)
    Diminish The Fear Of Credit Card Fraud
    There is so much credit flying about these days, that keeping tabs on the credit you have and the credit you have had in the past, would be a full time job. That’s if you decided to apply your time to it. Not only that the threat of fraud being committed in your name is becoming a bigger and bigger
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:14:27 -0700)
    Diminish The Fear Of Credit Card Fraud
    There is so much credit flying about these days, that keeping tabs on the credit you have and the credit you have had in the past, would be a full time job. That’s if you decided to apply your time to it. Not only that the threat of fraud being committed in your name is becoming a bigger and bigger
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:47:58 -0700)
    No Credit Check Fast Cash Loans - 3 Things To Know About Cash Advance Loans
    For people who work with a tight monthly budget, even the smallest financial emergencies can seem like full-blown disasters. It’s hard to pay for an unexpected increase in utility bills or for unforeseen home repairs – especially if you live from paycheck to paycheck. To make ends meet, you may need
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:51:32 -0700)
    Bad Credit Home Purchase Loans – Should You Purchase A Home?
    Today, those with damaged credit have more opportunities to borrow to buy a house than they have had in the past. There are many lenders that specialize in what is often referred to as a bad credit home purchase loan. However, as with many things in life, just because you can, doesn’t mean you shoul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:54:11 -0700)
    Credit Card Debt Help – What Are Your Options With Credit Card Debt?
    If you find yourself feeling overwhelmed by your credit card debt, it is time to take action. There is credit card debt help out there and you do have options available to you to help bring your credit card debt under control. Once you investigate the options open to you and determine what is best f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:57:43 -0700)
    No Credit Check Fast Cash Loans - 3 Things To Know About Cash Advance Loans
    For people who work with a tight monthly budget, even the smallest financial emergencies can seem like full-blown disasters. It’s hard to pay for an unexpected increase in utility bills or for unforeseen home repairs – especially if you live from paycheck to paycheck. To make ends meet, you may need
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:58:05 -0700)
    Bad Credit Home Purchase Loans – Should You Purchase A Home?
    Today, those with damaged credit have more opportunities to borrow to buy a house than they have had in the past. There are many lenders that specialize in what is often referred to as a bad credit home purchase loan. However, as with many things in life, just because you can, doesn’t mean you shoul
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 10:58:05 -0700)
    Credit Card Debt Help – What Are Your Options With Credit Card Debt?
    If you find yourself feeling overwhelmed by your credit card debt, it is time to take action. There is credit card debt help out there and you do have options available to you to help bring your credit card debt under control. Once you investigate the options open to you and determine what is best f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 11:05:55 -0700)
    Getting 100% Financing With Bad Credit - Is No Down Payment A Good Idea?
    Getting 100% financing with bad credit can get you into a home with little out-of-pocket expense. However, higher rates will make the loan more expensive than financing with a down payment. There are some cases when zero down can be a benefit, especially if you plan to move or refinance soon.
    <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 11:08:40 -0700)
    Subprime Mortgage Loans - 3 Questions To Ask Your Subprime Mortgage Broker
    Subprime mortgage brokers offer a variety of mortgage loan packages from different lending companies. They can find financing for almost anyone, regardless of their credit score. Even though brokers offer a valuable service, you still need to ask questions to be sure you are getting the best deal. <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 11:11:08 -0700)
    Getting 100% Financing With Bad Credit - Is No Down Payment A Good Idea?
    Getting 100% financing with bad credit can get you into a home with little out-of-pocket expense. However, higher rates will make the loan more expensive than financing with a down payment. There are some cases when zero down can be a benefit, especially if you plan to move or refinance soon.
    <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 11:11:29 -0700)
    Subprime Mortgage Loans - 3 Questions To Ask Your Subprime Mortgage Broker
    Subprime mortgage brokers offer a variety of mortgage loan packages from different lending companies. They can find financing for almost anyone, regardless of their credit score. Even though brokers offer a valuable service, you still need to ask questions to be sure you are getting the best deal. <
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 17:36:29 -0700)
    Disney Credit Cards
    You can turn your daily purchases into a fabulous Disney vacation. Bank One offers a new Visa Disney credit card that provides you and your family with great Disney rewards in exchange for making your everyday purchases using your travel credit card. You could turn your credit card debt into a fun-f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 17:42:15 -0700)
    Disney Credit Cards
    You can turn your daily purchases into a fabulous Disney vacation. Bank One offers a new Visa Disney credit card that provides you and your family with great Disney rewards in exchange for making your everyday purchases using your travel credit card. You could turn your credit card debt into a fun-f
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 18:07:45 -0700)
    Credit Card Terms And Conditions - A Closer Look
    It's sad but today most credit card companies are devious and they've designed everything possible into the fine print of their terms of service to catch you. Therefore, when looking at any credit card offer, make sure you take a close look at the fine print.

    Believe me, I am fully aware th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 18:09:54 -0700)
    Credit Card Terms And Conditions - A Closer Look
    It's sad but today most credit card companies are devious and they've designed everything possible into the fine print of their terms of service to catch you. Therefore, when looking at any credit card offer, make sure you take a close look at the fine print.

    Believe me, I am fully aware th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 18:19:08 -0700)
    0% APR Credit Cards: Use Them To Your Advantage!
    The era of 0% APR credit cards is still with us. Yes, you can obtain a spanking new credit card featuring a very low introductory interest rate and take advantage of what amounts to "free money" for you for up to one year. You can use your new card to your advantage, but you must be careful that you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 18:22:43 -0700)
    0% APR Credit Cards: Use Them To Your Advantage!
    The era of 0% APR credit cards is still with us. Yes, you can obtain a spanking new credit card featuring a very low introductory interest rate and take advantage of what amounts to "free money" for you for up to one year. You can use your new card to your advantage, but you must be careful that you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:17:50 -0700)
    Why Not To Pay PPI (Payment Protection Insurance)
    One way to save money on your credit card bill is to not take the payment protection insurance, this is a waste of money and the only one who will benefit from this is the credit card company.

    Some people don’t realise that they are actually paying the payment protection insurance it can be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:22:06 -0700)
    Why Not To Pay PPI (Payment Protection Insurance)
    One way to save money on your credit card bill is to not take the payment protection insurance, this is a waste of money and the only one who will benefit from this is the credit card company.

    Some people don’t realise that they are actually paying the payment protection insurance it can be
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:31:00 -0700)
    Credit Card Fees
    For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider wi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:36:43 -0700)
    Credit Card Fees
    For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some people, for many of them their credit card provider wi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:44:58 -0700)
    Avoiding Credit Card Penalties
    It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. Th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 19:45:01 -0700)
    Avoiding Credit Card Penalties
    It is a sad fact of life that credit card companies are very willing and fast to slap a penalty charge on your account for every mistake, delay and slip up you cause, immediately and without a second thought. These penalty charges can amount to millions of dollars taken from consumers each month. Th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:07:14 -0700)
    Get A Better Rate: Get A Credit Card Deal
    When people look for a credit card option to help them through Christmas or a holiday, over half the time they just take the first credit card deal thrown their way. Some people get an application in the mail and fill it in without even checking the details, only to be amazed when they get their car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:10:15 -0700)
    Get An Auto Loan Even With Bad Credit
    Getting an auto loan can be a painful enough experience in its own right, but having bad or less than ideal credit can make the process that much more convoluted and unattractive. Luckily there are companies that specialize in dealing with such situations, making it possible for someone with bad cre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:13:34 -0700)
    Get A Better Rate: Get A Credit Card Deal
    When people look for a credit card option to help them through Christmas or a holiday, over half the time they just take the first credit card deal thrown their way. Some people get an application in the mail and fill it in without even checking the details, only to be amazed when they get their car
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:13:48 -0700)
    Get An Auto Loan Even With Bad Credit
    Getting an auto loan can be a painful enough experience in its own right, but having bad or less than ideal credit can make the process that much more convoluted and unattractive. Luckily there are companies that specialize in dealing with such situations, making it possible for someone with bad cre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:22:58 -0700)
    Get Help With Consumer Debt Counseling Service
    It is difficult to know when you might need to seek help with those high credit card bills and overall debt. You want to be self reliant and it’s hard to admit you need the help. Keep in mind, though, that the longer you let debt problems fester, the more difficult it will be to help yourself. If yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:26:48 -0700)
    Get Help With Consumer Debt Counseling Service
    It is difficult to know when you might need to seek help with those high credit card bills and overall debt. You want to be self reliant and it’s hard to admit you need the help. Keep in mind, though, that the longer you let debt problems fester, the more difficult it will be to help yourself. If yo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:53:37 -0700)
    What Is A 401(K) Plan?
    The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most businesses and tax-exempt organizations can create th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 20:57:30 -0700)
    What Is A 401(K) Plan?
    The 401(k) retirement plan is funded by employee contribution and a matching employer contribution. The major feature of the plan is that the contributions are taken from pre-taxed salary. The fund accumulates tax-free until it is withdrawn. Most businesses and tax-exempt organizations can create th
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 23:25:29 -0700)
    Wealth Management: Effectiveness Is A Must
    You have spent many years of your life managing your finances. You now have a good amount of money set aside. You need someone to handle wealth management for you so that that money will grow at a good rate without being lost. While you can do all the investing and managing yourself, you may want to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sat, 21 Jan 2006 23:28:08 -0700)
    Wealth Management: Effectiveness Is A Must
    You have spent many years of your life managing your finances. You now have a good amount of money set aside. You need someone to handle wealth management for you so that that money will grow at a good rate without being lost. While you can do all the investing and managing yourself, you may want to
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 00:14:05 -0700)
    How to Improve Equity for Lending
    How to Improve Equity for Lending Home equity is a give/take arrangement, since the borrower is wagering his home, putting it entirely in the lenders hand in exchange for a large sum of money. Therefore, home equity loans take great consideration. Many borrowers step into loans with a goal i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 00:40:07 -0700)
    How to Bargain for the Best Equity Rates
    To keep up with the rates of equity loans, you should read any information available to you. If you have the Internet, you can go online and read surveys, which will guide you to links that will provide updates on equity loans and rates. For example, the rates on equity change on set intervals,
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 01:07:32 -0700)
    How to Double Your Home Equity
    Equity loans were developed to help homeowners up the equity on their home in order to make profit, or else take out another loan on the home. Home value goes up each year, making the home worth more everyday that it exists. Home’s equity then is the total worth of the property, minus the amoun
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 05:24:38 -0700)
    Home Refinance Closing Costs - Things You Should Know
    Home refinancing closing costs should be consider before signing a contract. You can actually lose money on closing costs if you aren’t careful. Shopping lenders can help you find lower fees, but you may find other financing options have lower costs.

    Length Of Time To Recoup Costs

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 05:26:41 -0700)
    Debt Consolidation Company – Qualities To Compare
    When you decide that using a debt consolidation company may be your best route out of debt, you’ll need to do some research to be sure that you choose the best company for your needs. There are a variety of qualities to compare, ranging from the industry reputation of the companies you are consideri
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 05:32:32 -0700)
    Home Refinance Closing Costs - Things You Should Know
    Home refinancing closing costs should be consider before signing a contract. You can actually lose money on closing costs if you aren’t careful. Shopping lenders can help you find lower fees, but you may find other financing options have lower costs.

    Length Of Time To Recoup Costs

    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 05:32:38 -0700)
    Debt Consolidation Company – Qualities To Compare
    When you decide that using a debt consolidation company may be your best route out of debt, you’ll need to do some research to be sure that you choose the best company for your needs. There are a variety of qualities to compare, ranging from the industry reputation of the companies you are consideri
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:50:12 -0700)
    Personal Debt Consolidation Loan – Things To Consider
    There are a few things to consider before you make the decision to apply for a personal debt consolidation loan. You’ll want to make sure that that is your best option for your financial situation. After reviewing your options, if you still find that a personal debt consolidation is the best means o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:52:11 -0700)
    Do You Need A Company To Consolidate Your Debt?
    Once you’ve made the decision to take action to reduce your personal debt, the next step is a solid debt reduction plan. For some, that plan rests upon using the services of a debt consolidation company. But, do you need a company to consolidate? An important question, one that deserves real conside
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:53:38 -0700)
    Subprime Mortgage Lenders - Differences Between Subprime And Other Lenders
    Subprime mortgage lenders specialize in offering financing to people with poor credit or riskier loans. Conventional lenders focus on low-risk loans and borrowers. While you will find better rates with conventional lenders, suprime companies offer more flexibility in requirements and loan terms.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:55:22 -0700)
    Do You Need A Company To Consolidate Your Debt?
    Once you’ve made the decision to take action to reduce your personal debt, the next step is a solid debt reduction plan. For some, that plan rests upon using the services of a debt consolidation company. But, do you need a company to consolidate? An important question, one that deserves real conside
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:55:34 -0700)
    Subprime Mortgage Lenders - Differences Between Subprime And Other Lenders
    Subprime mortgage lenders specialize in offering financing to people with poor credit or riskier loans. Conventional lenders focus on low-risk loans and borrowers. While you will find better rates with conventional lenders, suprime companies offer more flexibility in requirements and loan terms.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 06:55:38 -0700)
    Personal Debt Consolidation Loan – Things To Consider
    There are a few things to consider before you make the decision to apply for a personal debt consolidation loan. You’ll want to make sure that that is your best option for your financial situation. After reviewing your options, if you still find that a personal debt consolidation is the best means o
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:02:41 -0700)
    Bad Credit Home Mortgage Refinance – Should You Refinance
    A bad credit home mortgage refinance is possible for people with previous credit problems. The interest rates will not be as low as those for consumers with good credit but you can still end up saving in the end.

    There are several questions you should ask yourself when considering a home mo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:04:58 -0700)
    100% Home Equity Loans - Should You Max Out Your Home's Equity?
    A 100% home equity loan can free up your cash at a low interest rate. While favorable rates and tax benefits make this option look good, consider your own financial situation first. Asking yourself the following questions will give you a better idea of how much a 100% home equity loan can help you.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:07:11 -0700)
    Bad Credit Home Equity Line Of Credit Loans - 3 Tips On Getting Approved
    Home equity line of credit loans gives you flexibility to access your cash with low rates. Even with bad credit, you can find a lender who offers rates more reasonable than credit cards or personal loans. The following three tips will help you get approved with the best financing company.

    1
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:10:17 -0700)
    Bad Credit Home Mortgage Refinance – Should You Refinance
    A bad credit home mortgage refinance is possible for people with previous credit problems. The interest rates will not be as low as those for consumers with good credit but you can still end up saving in the end.

    There are several questions you should ask yourself when considering a home mo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:10:28 -0700)
    100% Home Equity Loans - Should You Max Out Your Home's Equity?
    A 100% home equity loan can free up your cash at a low interest rate. While favorable rates and tax benefits make this option look good, consider your own financial situation first. Asking yourself the following questions will give you a better idea of how much a 100% home equity loan can help you.
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 07:10:32 -0700)
    Bad Credit Home Equity Line Of Credit Loans - 3 Tips On Getting Approved
    Home equity line of credit loans gives you flexibility to access your cash with low rates. Even with bad credit, you can find a lender who offers rates more reasonable than credit cards or personal loans. The following three tips will help you get approved with the best financing company.

    1
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 09:45:31 -0700)
    How to Avoid Bad Equity Loans
    The Federal Trade Commission has issued alerts to homeowners–and specifically homeowners who are elderly and poor–in recent months. The market is swarming with mortgage lenders providing equity loans and some of these lenders are taking advantage of the misfortune. Some lenders are giving lo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 10:15:58 -0700)
    How to Increase Equity for Borrowers
    How to Increase Equity for Borrowers Equity is the value of a home vs. the value of the loan. Many homeowners today are searching for ways to increase the value in their home, payoff debts, buy a new motor vehicle, or else take a long needed vacation and few take out equity loans to accomplis
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 15:24:06 -0700)
    Military Hummers - A Bargain
    Maybe you are one of all the people that are dreaming about their own Hummer and some people fulfil that dream by buying a cheap surplus Hummer from the military: A surplus Hummer is considerably cheaper than buying a Hummer H1 from a dealer but is still not to be considered cheap. A military Hummer
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 15:53:37 -0700)
    How to Mitigate Negative Equity
    How to Mitigate Negative Equity Negative equity is the difference between balance and equity. In other words, if you are applying for an equity loan and the balance owed on the home is greater than the value of the home, then this is called negative equity. One of the loans you could tak
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 16:39:07 -0700)
    How to Consider Loans for Equity
    How to Consider Loans for Equity If you are searching for an equity loan, you might want to read up on the latest news to stay ahead of the lender. When a borrower takes out loans for equity and the borrower has a feel of mortgages, then lenders are less likely to try to take advantage of hi
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 16:43:42 -0700)
    Save Money Cutting Your Home Energy Bill
    Heating bills are rising up in every part of the country and the trend will continue because of World energy demands. The average US household expense on energy bills is estimated at 6% of the income in 2005, compared to 4% in 2003. Owners of efficient new houses spend considerably less than the peo
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 17:50:13 -0700)
    Driving This Winter
    Well winter is here and we were warned. Back in October the TV weather teams told us that this winter would be the worst for many years. Some quoted the worst for 10 years and some did the usual and quoted the worst ever. Already we have seen the gridlock in the UK and many motorists stranded ove
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 18:56:17 -0700)
    How to Obtain Declined Equity Loan Support
    How to Obtain Declined Equity Loan Support If you were recently declined for equity loans, you may want to perform another thorough assessment of the market, since lenders are now opening the doors to bad credit borrowers, no credit borrowers, and current home borrowers. If you were recently
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 20:01:55 -0700)
    An Analysis Of Overstock.com (OSTK)
    Why is a value investor writing about an unprofitable internet company? Because value investing is about finding dollars that trade for fifty cents; with a market cap of less than 75% of sales, Overstock.com (OSTK) looks like it may be exactly that.

    But isn’t it too risky?

    The gre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Sun, 22 Jan 2006 20:01:59 -0700)
    An Analysis Of Overstock.com (OSTK)
    Why is a value investor writing about an unprofitable internet company? Because value investing is about finding dollars that trade for fifty cents; with a market cap of less than 75% of sales, Overstock.com (OSTK) looks like it may be exactly that.

    But isn’t it too risky?

    The gre
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 01:37:55 -0700)
    Refinance Home Loan - What You Must Know Today
    Many banks compete to give you a refinance on your home loan. Some of the popular web sites will give you multiple quotes from different lenders. However, you need to be very careful about the home loan you choose. Since the prices of real estate have sky rocketed, there are many refinance loans you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 01:42:13 -0700)
    Refinance Home Loan - What You Must Know Today
    Many banks compete to give you a refinance on your home loan. Some of the popular web sites will give you multiple quotes from different lenders. However, you need to be very careful about the home loan you choose. Since the prices of real estate have sky rocketed, there are many refinance loans you
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 02:16:47 -0700)
    Consolidate Debt Into A Single Payment
    Are you drowning in debt? Do you feel you are paying too much in credit card bills and struggling to pay the minimum amount on your credit cards? In such cases, debt consolidation loan might be a viable alternative.

    A debt consolidation loan is a loan you can take against your home. Some ba
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 02:20:35 -0700)
    Consolidate Debt Into A Single Payment
    Are you drowning in debt? Do you feel you are paying too much in credit card bills and struggling to pay the minimum amount on your credit cards? In such cases, debt consolidation loan might be a viable alternative.

    A debt consolidation loan is a loan you can take against your home. Some ba
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 06:06:44 -0700)
    How To Pay Your Home Mortgage Off And Be Debt Free In 6-10 Years Or Less With Little Change To Income Or Expenses The New Zealand Way
    Ariel Metekingi knew there was a way to pay off debts and a home mortgage quicker than what was being offered on the US market. Living in New Zealand where homeowners pay off their homes and are debt free on an average of 6-10 years, he experienced how it worked there and in Australia.

    "I
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 06:11:05 -0700)
    How To Pay Your Home Mortgage Off And Be Debt Free In 6-10 Years Or Less With Little Change To Income Or Expenses The New Zealand Way
    Ariel Metekingi knew there was a way to pay off debts and a home mortgage quicker than what was being offered on the US market. Living in New Zealand where homeowners pay off their homes and are debt free on an average of 6-10 years, he experienced how it worked there and in Australia.

    "I
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 06:52:39 -0700)
    3 Steps You Must Do If You Want To Pay Off Your Mortgage In 7 Years Or Less
    One of the single largest financial purchases a person makes in a lifetime is a home. And more often than not, a home mortgage is required to fund the purchase. But how many people have been told, that the current way a mortgage is paid off, is like a cancer on our financial health? The mortgage and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 07:01:46 -0700)
    3 Steps You Must Do If You Want To Pay Off Your Mortgage In 7 Years Or Less
    One of the single largest financial purchases a person makes in a lifetime is a home. And more often than not, a home mortgage is required to fund the purchase. But how many people have been told, that the current way a mortgage is paid off, is like a cancer on our financial health? The mortgage and
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 08:19:40 -0700)
    Beware Credit Card Users--It Is All In The Fine Print
    Not reading the fine print of the credit cards you use is a sure invitation to have your blood sucked. Now a days millions of people are using credit cards to make purchases. If you pay for anything with a credit card, then beware that the 9% interest rate you thought you were locked into could actu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 08:25:33 -0700)
    Beware Credit Card Users--It Is All In The Fine Print
    Not reading the fine print of the credit cards you use is a sure invitation to have your blood sucked. Now a days millions of people are using credit cards to make purchases. If you pay for anything with a credit card, then beware that the 9% interest rate you thought you were locked into could actu
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 08:43:22 -0700)
    5 Ways You Can Avoid Costly Credit Card Late Fees
    Credit card late fees are a fact of life for some consumers, but they don’t have to be for you. Legally, credit card companies can hit you with pretty much whatever fees they want. On the other hand, you don’t have to pay them, but only if you avoid them in the first place. Here are five sure fire w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 08:46:01 -0700)
    5 Ways You Can Avoid Costly Credit Card Late Fees
    Credit card late fees are a fact of life for some consumers, but they don’t have to be for you. Legally, credit card companies can hit you with pretty much whatever fees they want. On the other hand, you don’t have to pay them, but only if you avoid them in the first place. Here are five sure fire w
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 09:02:51 -0700)
    How to Find Equity Lenders and Loans
    How to Find Equity Lenders and Loans Equity lenders and loans are swarming like flies aboard the World Wide Net, offering savings galore. Thousands of homeowners are applying for home equity loans to pay off credit cards, school bills, debt consolidation, and even applying to remodel their h
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 09:53:45 -0700)
    Early Retirement: What You Should Know
    For many reasons, more and more people are opting to retire at an early age. The growing trend for the retirement is based on the fact that people are enticed to retire early than continue working and wait until they reach their retirement age of 65.

    In fact, most of the surveys conducted i
    Author: Annetherese Cullen
    Directory: Finance
    (Published: Mon, 23 Jan 2006 09:56:05 -0700)
    Financial Planning For Retirement: For Worry-Free Retirement
    Planning can be a tedious activity especially if you are planning for retirement. Many people realize how advantageous financial planning for retirement can be while others find it mysterious.

    In fact, most experts say th