If you are financing your home then your mortgage company insists that you purchase homeowner's insurance. But the truth of the matter is, the vast majority of people who have paid off their homes and are no longer forced to purchase homeowner's insurance still choose to do so.
The reason is obvious. The vast majority of people in Alabama recognize that their house is their most valuable asset and they are anxious to do everything in their power to protect that asset.
This is just good, common sense. Still, it is also good, common sense to want to get the best value for your dollar and not pay more than necessary for your homeowner's insurance.
And that's where this article comes in. We are going to discuss several things you can do that can allow you to get the same homeowner's coverage that you now enjoy - only at a price that's lower than what you are now paying.
Let's start by looking at how much homeowner's insurance you have. You need enough insurance to completely rebuild your house from the foundation up and to replace all of the possessions that are currently in your home in case of a disaster. But what you don't want to do is to make the rookie mistake of including the cost of the land under your house in your calculations.
Keep in mind that most standard homeowner's policies in Alabama have restrictions on wind damage. If this is a concern to you be certain that you discuss this issue separately with your insurance agent. Also, no standard homeowner's policy in Alabama includes flood insurance. If you wish flood insurance this must be purchased separately from a government-guaranteed fund; your agent will have all the details.
If you want to get the best rates on homeowner's insurance in Alabama then you'll need to make your home as burglar-proof as possible. Install motion-sensitive floodlighting, trim bushes back away from all ground floor windows, install deadbolt locks on all exterior doors and make certain that all windows have a working lock.
You will also need to make your property safe from liability suits due to preventable accidents. This involves repairing or replacing old, broken or buckled cement walkways, repairing or replacing worn, broken or lose floorboards on porches and decks and filling in any potholes or other hazards around your property.
If you live in a fire danger area, be certain that all brush and weeds are cut back at least ten feet from all structures.
If your home is 10 years old or older, talk to your agent about how much you would save month after month if you made a one-time investment in your property and had your plumbing and electrical system upgraded. You might be surprised at the savings you could realize. Run the figures and see if they make sense to you. If they do, then upgrading your home will both save you money as well as make your home a safer place to live.
Make sure you have installed the appropriate number of smoke and fire detectors based on the size and configuration of your home. Detectors need fresh batteries twice yearly - many people change batteries each time they set their clocks forward or backward an hour.
Buy a kitchen-rated fire extinguisher and keep it handy for any kitchen fires.
Consider how large of a deductible you can afford. Keep in mind that if you have a claim you will have to come up with the cash to pay your deductible out of your own pocket, so don't make promises you can't keep. However, also keep in mind that the larger your deductible the lower your monthly premium payment.
Now go online and find 3 different websites that encourage you to compare prices from different insurance companies for homeowner's insurance in Alabama. Enter the same information into the form on each site so that you'll be comparing the same policy on all of them.
When you're done comparing prices, then all that will be left is to choose the lowest-priced company and your job is done - you've found the best rates on homeowner's insurance in Alabama and you can rest easy at night knowing that you are getting the coverage you need at a price that's saving you money month after month, year after year.
About the Author:
My recommended sites for low rate home insurance http://www.ezquoteguide.com/home/ http://www.myquoteguide.com
Saturday, December 15, 2007
Credit Card Debt Relief: How To Put An End To Credit Card Debt
Thousands of people are constantly finding themselves deep in debt due to credit cards. Sometimes they find ways to come up with payments and are able to climb out of their financial hole, but there are other people who do not know of any other way out except to file for bankruptcy.
However, there are many other ways to get credit card debt relief besides filing for bankruptcy, but unfortunately, most people do not seem to be aware of these procedures.
Let's take a look at how credit card debt builds up. Say you owe $20,000 on a single credit card. That might seem like a huge amount, especially if you do not have the means to pay for it. But the thing is that you did not really spend that entire amount during your shopping sprees. Probably more than half of that amount actually came from accumulated interest rates.
This brings us to the first and probably the best way you can get some credit card debt relief, and that is by negotiating with your credit card company to lower your interest rates. You would be surprised at how many companies would be very willing to grant this request, particularly if you have been with them for quite some time.
In addition to the interest rates, you can also request for them to lower your late fees. Some credit card companies might even be willing to completely waive your late fees if you commit to paying more than the minimum payment for the succeeding months. You can also have some credit card debt relief by requesting for an extension of payment lines.
If you do not have the convincing skills to negotiate with the credit card company on your own, you can always enlist the help of a credit card debt relief company to make the settlements for you. In addition to helping lower your interest rates, most of these financial agencies will also teach you how to manage your credit cards more efficiently in order to ensure continuous credit card debt relief.
However, when choosing a credit card debt relief agency, you have to be very careful as there are many crooks out there posing as helpful institutions but are really just stealing people's money right from under their noses. It is always a good idea to select a credit card debt relief agency that has an excellent reputation and has been around for quite a while.
Still, if you want to get permanent credit card debt relief, the best solution is to learn how to use your credit cards more sensibly and how to keep yourself from making purchases that are way beyond your budget.
The second technique of achieving credit card debt reduction is by opening a new credit card account with a much lower interest rate. This might sound crazy, because why would you open a new account when you obviously can't pay off the accounts you already have?
The answer is simple. You will be using this new card not to make new extravagant purchases but to pay off your old debts. Once you transfer your previous debts to the new card, you will obviously be paying a lower interest rate and you will be able to pay off your total debt in no time.
About the Author:
You can also find more info on http://www.getdebtreductionhelp.com/category/debt-reduction-planners-and-how-they-can-save-you-from-bankruptcy on debt reduction planners and http://www.blogger.com/ on debt relief council.
However, there are many other ways to get credit card debt relief besides filing for bankruptcy, but unfortunately, most people do not seem to be aware of these procedures.
Let's take a look at how credit card debt builds up. Say you owe $20,000 on a single credit card. That might seem like a huge amount, especially if you do not have the means to pay for it. But the thing is that you did not really spend that entire amount during your shopping sprees. Probably more than half of that amount actually came from accumulated interest rates.
This brings us to the first and probably the best way you can get some credit card debt relief, and that is by negotiating with your credit card company to lower your interest rates. You would be surprised at how many companies would be very willing to grant this request, particularly if you have been with them for quite some time.
In addition to the interest rates, you can also request for them to lower your late fees. Some credit card companies might even be willing to completely waive your late fees if you commit to paying more than the minimum payment for the succeeding months. You can also have some credit card debt relief by requesting for an extension of payment lines.
If you do not have the convincing skills to negotiate with the credit card company on your own, you can always enlist the help of a credit card debt relief company to make the settlements for you. In addition to helping lower your interest rates, most of these financial agencies will also teach you how to manage your credit cards more efficiently in order to ensure continuous credit card debt relief.
However, when choosing a credit card debt relief agency, you have to be very careful as there are many crooks out there posing as helpful institutions but are really just stealing people's money right from under their noses. It is always a good idea to select a credit card debt relief agency that has an excellent reputation and has been around for quite a while.
Still, if you want to get permanent credit card debt relief, the best solution is to learn how to use your credit cards more sensibly and how to keep yourself from making purchases that are way beyond your budget.
The second technique of achieving credit card debt reduction is by opening a new credit card account with a much lower interest rate. This might sound crazy, because why would you open a new account when you obviously can't pay off the accounts you already have?
The answer is simple. You will be using this new card not to make new extravagant purchases but to pay off your old debts. Once you transfer your previous debts to the new card, you will obviously be paying a lower interest rate and you will be able to pay off your total debt in no time.
About the Author:
You can also find more info on http://www.getdebtreductionhelp.com/category/debt-reduction-planners-and-how-they-can-save-you-from-bankruptcy on debt reduction planners and http://www.blogger.com/ on debt relief council.
How To Save Money And Get Discount Car Insurance In Alabama
Alabama is serious about requiring every driver on a public road in Alabama to buy car insurance. That's why so many drivers are looking for ways to save money and get discount car insurance in Alabama.
So how can you save money on your car insurance here in Alabama? Start by driving legally and safely at all times. Nothing drives up the cost of car insurance like a speeding ticket or other moving violation - unless it's a DUI or DWI conviction.
If you are convicted of a DUI (Driving Under the Influence) or if you are convicted of a DWI (Driving While Intoxicated) you'll be out of luck as far as getting discount car insurance for at least 3 years. If you receive a second DUI or DWI conviction you may never see cheap car insurance again in your lifetime.
If you have a garage and you can keep your car in a garage at night let your agent know - it could save you money every month on your policy.
Add safety features to your car. Ask your agent if you could save money by purchasing and using a steering wheel lock. Ask about a simple electronic device that disables your fuel pump unless you enter a secret code or press a hidden button; such devices are inexpensive and easy-to-install and can save you money on your insurance every month.
If you're in school and under age 25 stay where you are and work hard. If you can maintain at least a "B" grade point average you can save as much as 5% each month with your Good Student Discount.
Are you recently retired? If so, let your agent know. If your car is no longer being driven to work and back every day there is a rather nice discount on your insurance.
And speaking about not driving your car so much, many people are now starting to use public transportation for as many of their traveling needs as possible, only using their cars for emergencies and special occasions. If you can knock your monthly driving down to under 500 miles let your agent know - you will be entitled to a Low Mileage Discount.
What about your deductible? Think about it carefully because this is cash you'll have to come up with out of your own pocket if you ever have a claim, but the larger your deductible the smaller your monthly premium payment.
If you're over age 55 ask your agent if your company offers a driver's refresher course. If so, and if you pass it, you could save as much as 10% each and every month on your car insurance.
Using the information in this article see if you can put together a car insurance policy on paper which will save you as much money as possible - and then get online and see what you can find on at least 3 of the websites that allow you to compare prices at various insurance companies.
Compare the policy you just created on at least 3 of those websites and then simply choose the lowest price you can find. That's it. Now you have saved money and gotten discount car insurance in Alabama! Good job!
About the Author:
My recommended sites here: http://www.ezquoteguide.com/car/ http://www.myquoteguide.com/
Secret To Fianancial Freedom!
Financial freedom, secret of success from investment, real estate, stock market wealth, profit, investment, internet marketing, millionaire, income, security, opportunities, home-based business, money, cash, fortune!!
It has always been mankind dream and desire to seek Freedom – Freedom of thoughts, Freedom of speech, Freedom of belief, and Freedom of expression! Why then not Financial Freedom!
Wikipedia definition – "Financial freedom describes a well-planned lifestyle where one no longer is required to work for income to cover their expenses".
Rich Dad, Poor Dad series and other books on personal finance really got me interested and wondered why school and college didn't teach us how to be financially intelligence. Ultimately, whether all these books have been fictionalized or are real story are debatable. The important point here is that it advocates financial independence through investing, real estate, owning businesses, and other means of money generating and protection tactics.
Most of us are hungry and aspire to achieve financial freedom. When one works in an organization without decision making capability. Management will dictate your financial well being. You will bear the consequence of management failure, within or beyond their control. It could be external macro factors such as - market environment, competition, government policies, act of god…… intentionally or unintentionally. You will bear the fruits of management mistake - retrenchment, down sizing, pay cut, and stagnant pay.
What happens next…..? You start to look for another job. Maybe this time round, your lady luck is shining, you manage to secure…wrong words to use, get a job working in a big blue chip company, maybe better, work as a civil servant with an iron rice bowl. In your minds, you must be saying - I have finally made it in life….. !! Do some souls searching – do you really make it? Your income from salary may or may not to be able to support your daily living expense. Or may be you are one of the million out there still struggling to pay mortgage loan, car loan, credit card, utility and telephone bill…bills that without ending…….!
Maybe you are very fortunate, able to find a job that the pay check exceeds your current living expense. Maybe you are one of the fortunate few that earn good income working in the top echelon of an organization. But ask yourself this question - Are you happy? Are you out of the everyday rat race? Are you out of the merciless office politics? Are you out of getting stuck in the daily morning traffic jams that never seem to subside?
It could be true that you like your job. Excellent….! But are you growing your money? Are you using the power of compounding to accumulate wealth so that when there is a day that you finally decided to quit your job, you have a mountain of wealth supporting you? It is only when you have reached that financial stage that you can proudly say, "I do what I love to do because I want to!!"
Financial freedom does not simply mean free of debt, debt is another expenses. As long as one passive investment income is able to cover all expenses, one is consider as financial free. This large enough "nest egg" passive investment should also be easily be liquidated if there a need. In simplified term, financial freedom is where one does not need to work for money, but let money works for you!!
"How do you achieve it?" It could be achieved by finding, learning and putting time, effort and money into building something (passive investment) that creates income profitably and consistently, long after you have 'completed the building'. There are many ways to build such money-making machine. It could be investment or trading of stock, forex, future, commodity or whatsoever financial instrument that can generate money. Internet marketing, MLM, business ventures and real estate ownership for rental/capital income are other forms of money-making vehicle.
The biggest obstacle to financial freedom is not everyone has the necessary skills, experience, know-how and money to build it. The key to wealth is to find something that suits one's ability and build it. The "money generating machine" may be more than one, it could be multiple machines. How big or how many machines you intend to build will greatly depend on one's desire, capital and risk tolerance level. Everyone is different. The important point is you must be the one in control of those decisions that affect your life!
Your chosen path to financial freedom will also greatly depend on your interest and the amount of money you have. It is true that you need money to generate money, but it is also true that you can create wealth with little money. Many wealthy men and women have proven that if there is a will, there is always a way!!
If you seriously want to achieve financial greatness, you must first eliminate all subconscious blocks you have towards money making. You must finally free your mind to create the wealth that you deserve!!
About the Author:
JoonTrader is the owner of http://www.forexdiscover.com/. For further recommended resources on how to achieve financial freedom using Forex Trading as instrument Click here to your financial freedom!
It has always been mankind dream and desire to seek Freedom – Freedom of thoughts, Freedom of speech, Freedom of belief, and Freedom of expression! Why then not Financial Freedom!
Wikipedia definition – "Financial freedom describes a well-planned lifestyle where one no longer is required to work for income to cover their expenses".
Rich Dad, Poor Dad series and other books on personal finance really got me interested and wondered why school and college didn't teach us how to be financially intelligence. Ultimately, whether all these books have been fictionalized or are real story are debatable. The important point here is that it advocates financial independence through investing, real estate, owning businesses, and other means of money generating and protection tactics.
Most of us are hungry and aspire to achieve financial freedom. When one works in an organization without decision making capability. Management will dictate your financial well being. You will bear the consequence of management failure, within or beyond their control. It could be external macro factors such as - market environment, competition, government policies, act of god…… intentionally or unintentionally. You will bear the fruits of management mistake - retrenchment, down sizing, pay cut, and stagnant pay.
What happens next…..? You start to look for another job. Maybe this time round, your lady luck is shining, you manage to secure…wrong words to use, get a job working in a big blue chip company, maybe better, work as a civil servant with an iron rice bowl. In your minds, you must be saying - I have finally made it in life….. !! Do some souls searching – do you really make it? Your income from salary may or may not to be able to support your daily living expense. Or may be you are one of the million out there still struggling to pay mortgage loan, car loan, credit card, utility and telephone bill…bills that without ending…….!
Maybe you are very fortunate, able to find a job that the pay check exceeds your current living expense. Maybe you are one of the fortunate few that earn good income working in the top echelon of an organization. But ask yourself this question - Are you happy? Are you out of the everyday rat race? Are you out of the merciless office politics? Are you out of getting stuck in the daily morning traffic jams that never seem to subside?
It could be true that you like your job. Excellent….! But are you growing your money? Are you using the power of compounding to accumulate wealth so that when there is a day that you finally decided to quit your job, you have a mountain of wealth supporting you? It is only when you have reached that financial stage that you can proudly say, "I do what I love to do because I want to!!"
Financial freedom does not simply mean free of debt, debt is another expenses. As long as one passive investment income is able to cover all expenses, one is consider as financial free. This large enough "nest egg" passive investment should also be easily be liquidated if there a need. In simplified term, financial freedom is where one does not need to work for money, but let money works for you!!
"How do you achieve it?" It could be achieved by finding, learning and putting time, effort and money into building something (passive investment) that creates income profitably and consistently, long after you have 'completed the building'. There are many ways to build such money-making machine. It could be investment or trading of stock, forex, future, commodity or whatsoever financial instrument that can generate money. Internet marketing, MLM, business ventures and real estate ownership for rental/capital income are other forms of money-making vehicle.
The biggest obstacle to financial freedom is not everyone has the necessary skills, experience, know-how and money to build it. The key to wealth is to find something that suits one's ability and build it. The "money generating machine" may be more than one, it could be multiple machines. How big or how many machines you intend to build will greatly depend on one's desire, capital and risk tolerance level. Everyone is different. The important point is you must be the one in control of those decisions that affect your life!
Your chosen path to financial freedom will also greatly depend on your interest and the amount of money you have. It is true that you need money to generate money, but it is also true that you can create wealth with little money. Many wealthy men and women have proven that if there is a will, there is always a way!!
If you seriously want to achieve financial greatness, you must first eliminate all subconscious blocks you have towards money making. You must finally free your mind to create the wealth that you deserve!!
About the Author:
JoonTrader is the owner of http://www.forexdiscover.com/. For further recommended resources on how to achieve financial freedom using Forex Trading as instrument Click here to your financial freedom!
Friday, December 14, 2007
Spending At The Right Time To Control Your Finances
If we had our way, we would most probably find ourselves spending like crazy on anything we see and want to own. But the reality is we need cash and finances to make it happen and while we can work our way to buying and spending a lot, we just have to be practical that we simply cannot have it all.
Of course, determining where you will invest begins with researching the available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.
If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.
You will of course learn as much about the investment as possible, and would want to see how past investors have done with that particular investment. Learning about the stock market and investments can take a lot of time, but it is of course time well spent. There are numerous books and websites on the topic. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.
You can make pretend investments, and see how they do. Do a search with any search engine for 'Stock Market Games' or 'Stock Market Simulations.' This is a great way to start learning about investing in the stock market.
Other types of investments outside of the stock market, however they do not have simulators. You must learn about those types of investments the hard way – by reading.
As a potential investor, you should read anything you can get your hands on about investing, but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.
Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions. I mean this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals.
The opportunities for stock investment is not only limited to the stock markets of your home country. With the increasingly easier access to foreign economies, buying shares of international companies is now a practical option you can consider as part of diversifying your portfolio. It is also an opportunity to take part in booming economies and faster-growing stock markets.
Like any other investment venture, investing abroad has its own set of benefits and risks. They key is to consider the pros and cons and evaluate if this fits your risk tolerance as an investor. Most investors who venture beyond their home countries are high net worth individuals who have a fund surplus after investing in local stocks, bonds, mutual funds, real estate, etc. Buying foreign shares is not limited to rich investors though. You can start with just $500 and build from there if you later decide that international stock markets suit your portfolio.
About the Author:
Jon Caldwell has extensive knowledge in accounting and finance practices. You can find out more on accounting at http://www.accountingshack.net/accountingshack_cat/accountlist.php
Of course, determining where you will invest begins with researching the available types of investments, determining your risk tolerance, and determining your investment style – along with your financial goals.
If you were going to purchase a new car, you would do quite a bit of research before making a final decision and a purchase. You would never consider purchasing a car that you had not fully looked over and taken for a test drive. Investing works much the same way.
You will of course learn as much about the investment as possible, and would want to see how past investors have done with that particular investment. Learning about the stock market and investments can take a lot of time, but it is of course time well spent. There are numerous books and websites on the topic. With access to the Internet, you can actually play the stock market – with fake money – to get a feel for how it works.
You can make pretend investments, and see how they do. Do a search with any search engine for 'Stock Market Games' or 'Stock Market Simulations.' This is a great way to start learning about investing in the stock market.
Other types of investments outside of the stock market, however they do not have simulators. You must learn about those types of investments the hard way – by reading.
As a potential investor, you should read anything you can get your hands on about investing, but start with the beginning investment books and websites first. Otherwise, you will quickly find that you are lost.
Finally, speak with a financial planner. Tell them your goals, and ask them for their suggestions. I mean this is what they do! A good financial planner can easily help you determine where to invest your funds, and help you set up a plan to reach all of your financial goals.
The opportunities for stock investment is not only limited to the stock markets of your home country. With the increasingly easier access to foreign economies, buying shares of international companies is now a practical option you can consider as part of diversifying your portfolio. It is also an opportunity to take part in booming economies and faster-growing stock markets.
Like any other investment venture, investing abroad has its own set of benefits and risks. They key is to consider the pros and cons and evaluate if this fits your risk tolerance as an investor. Most investors who venture beyond their home countries are high net worth individuals who have a fund surplus after investing in local stocks, bonds, mutual funds, real estate, etc. Buying foreign shares is not limited to rich investors though. You can start with just $500 and build from there if you later decide that international stock markets suit your portfolio.
About the Author:
Jon Caldwell has extensive knowledge in accounting and finance practices. You can find out more on accounting at http://www.accountingshack.net/accountingshack_cat/accountlist.php
Long Term Care Insurance, What Am I Protecting?
What does long term care insurance protect? In some instances this is an obvious answer. Let's keep the burden of care giving away from our kids; they have their own lives to live. The other obvious answer is protecting ones assets. The longer we live the greater the chances of having a long term care event in our lives. Let's take a look at both areas.
Having come from a family where my mother was the primary care giver for my grandmother after her onset of Alzheimer's disease, I can truly concur with many people who absolutely do not want to, and will not put their own children in peril of being a caregiver.
I actually saw my own mother age probably 10 years, over an actual 2 year period of care giving, before my grandmother was admitted to a 24-hour skilled care facility. This definitely made its mark on me, something one will never forget I assure you.
Other than the transfer of burden of away from your own children, there is one other item that sticks in my mind. That is the choice involved with your own care or your spouse's care.
Most people prefer to stay at home as long as possible. Long Term Care insurance is one way to accomplish this without dipping into family funds or care giving. Let's face it, a LTC event is costly, both mentally and financially. One year stay in a long term care facility can cost up to $90,000. That cost will rise significantly within the next 10 to 15 years. Without long term care insurance the options are very bleak unless you are independently wealthy. Having a plan that can offer financial means as well as a feeling of being in control is an alternative to having everything taken from you.
Secondly, your assets are being protected. There are basically three phases of money: Accumulation, Protection, and Disbursement.
Accumulation Phase
The accumulation phase is what you work for all your life to build up for retirement and to pass on to your heirs. Without a Long Term Care insurance policy, an event like Alzheimer's or a Stroke could definitely put this nest egg of accumulated wealth in jeopardy.
Protection Phase
The protection phase of money is just that, protects what you have worked for and earned over the years. You cannot look at LTC insurance as a cost, but rather a simple way to protect your assets so that they are there when you need them. If these assets are diminished from a LTC event, it could leave you, and or your spouse impoverished for many years to come. Not to mention not being able to pass assets on to your heirs in the disbursement phase of money.
With a Long Term Care insurance policy in hand, the possibility of having choice, being well cared for, not putting a burden on your kids, and being able to live out retirement in the manner of which you are accustomed becomes a real possibility!
In conclusion, long-term care insurance serves two purposes. The first is to provide money to help cover a long term care and event without having to burden our family are children with this responsibility. The second is to protect our nest egg from the financially devastating impact of a long term care event.
About the Author:
Neil Gholson, President LTC Financial Solutions began his career in the Insurance industry in 1989. . LTCi experience includes Regional Sales Manager for LTPC from 1999-2003, and Regional Manager for the National Education Association's Long Term Care Program. For more info visit: For more info visit: http://www.longtermcareinsurance-guide.com/long-term-care-insurance-protect.html
Having come from a family where my mother was the primary care giver for my grandmother after her onset of Alzheimer's disease, I can truly concur with many people who absolutely do not want to, and will not put their own children in peril of being a caregiver.
I actually saw my own mother age probably 10 years, over an actual 2 year period of care giving, before my grandmother was admitted to a 24-hour skilled care facility. This definitely made its mark on me, something one will never forget I assure you.
Other than the transfer of burden of away from your own children, there is one other item that sticks in my mind. That is the choice involved with your own care or your spouse's care.
Most people prefer to stay at home as long as possible. Long Term Care insurance is one way to accomplish this without dipping into family funds or care giving. Let's face it, a LTC event is costly, both mentally and financially. One year stay in a long term care facility can cost up to $90,000. That cost will rise significantly within the next 10 to 15 years. Without long term care insurance the options are very bleak unless you are independently wealthy. Having a plan that can offer financial means as well as a feeling of being in control is an alternative to having everything taken from you.
Secondly, your assets are being protected. There are basically three phases of money: Accumulation, Protection, and Disbursement.
Accumulation Phase
The accumulation phase is what you work for all your life to build up for retirement and to pass on to your heirs. Without a Long Term Care insurance policy, an event like Alzheimer's or a Stroke could definitely put this nest egg of accumulated wealth in jeopardy.
Protection Phase
The protection phase of money is just that, protects what you have worked for and earned over the years. You cannot look at LTC insurance as a cost, but rather a simple way to protect your assets so that they are there when you need them. If these assets are diminished from a LTC event, it could leave you, and or your spouse impoverished for many years to come. Not to mention not being able to pass assets on to your heirs in the disbursement phase of money.
With a Long Term Care insurance policy in hand, the possibility of having choice, being well cared for, not putting a burden on your kids, and being able to live out retirement in the manner of which you are accustomed becomes a real possibility!
In conclusion, long-term care insurance serves two purposes. The first is to provide money to help cover a long term care and event without having to burden our family are children with this responsibility. The second is to protect our nest egg from the financially devastating impact of a long term care event.
About the Author:
Neil Gholson, President LTC Financial Solutions began his career in the Insurance industry in 1989. . LTCi experience includes Regional Sales Manager for LTPC from 1999-2003, and Regional Manager for the National Education Association's Long Term Care Program. For more info visit: For more info visit: http://www.longtermcareinsurance-guide.com/long-term-care-insurance-protect.html
Should You Get A Mortgage Now?
It's never a good sign when your home loan company files for bankruptcy. Sadly, that's just what's happening to many sub-prime mortgage lenders these days. Mortgage rates are low right now (about 5.5% - 6% for a 15-year fixed interest loan at the time of this writing), but the lenders who managed to stay afloat are tightening their lending guidelines. Should you get a mortgage while the housing market is so volatile?
Simply put, yes, you should get a mortgage if you're in a position to afford a house. But it's not that simple. Before you sign that dotted line, you need to consider some things.
First, do your research. Learn about mortgages and mortgage professionals. If you get a good offer, don't assume that it's the best you'll get. Shop around and compare offers. You might find that that initial offer wasn't as great as it seemed. Compare the terms you're offered to the current national mortgage rates. You can find these online at My FICO. By familiarizing yourself with what's out there and with what can be expected, you're protecting yourself from scams.
Mortgage scams are a problem, but they can be avoided. Just remember that mortgages that seem too good to be true probably are. The Mortgage Asset Research Institute reported that 26 states have "serious problems with mortgage fraud". Some tactics include pressuring home buyers to file quitclaim deeds; buying homes at low prices and re-selling them for profit through dishonest appraisals; and manipulating fees and penalties to re-classify performing loans as defaults.
When choosing who you'll do business with, be sure to select an established business with a good reputation. This doesn't necessarily mean that the largest lenders will give you the best terms; don't forget to look for local firms, too. Check them out online through the Better Business Bureau and Rip-off Report. Ask to speak with previous clients, or solicit opinions through online forums or classified ads. If you're very concerned, you can always hire a lawyer to represent your best interests.
Also, don't accept a variable-interest loan, or a mortgage with a low-interest introductory period. That period won't last forever, and your interest rates – and monthly payments – will likely soar when it's over. Look at how many homes have been foreclosed because buyers couldn't afford the payments after their interest reset at a higher rate. Carefully read everything you sign, and demand clarification for any vague or unspecified points. It wouldn't hurt to have an attorney look it over, too.
Finally, you should consider using a professional mortgage broker. As pros, they have the knowledge and resources to find great loans quickly and easily. Using a broker will cost you some up front money, but will save you time and stress.
We've all heard the myriad horror stories about families losing their homes, houses that were foreclosed and auctioned off for insultingly low prices. This should not scare you away from buying a home, but it should serve as a cautionary tale for anyone looking to secure a mortgage: take your time, and do your homework. If you get caught up in the dream of owning your own home, you're more prone to take the first good deal that comes along. Don't make yourself vulnerable to unscrupulous lenders. Instead, arm yourself with knowledge and keep your head about you. Taking your time to think things through could make all the difference.
About the Author:
This article has been provided courtesy of Destroy Debt, http://www.destroydebt.com/
Simply put, yes, you should get a mortgage if you're in a position to afford a house. But it's not that simple. Before you sign that dotted line, you need to consider some things.
First, do your research. Learn about mortgages and mortgage professionals. If you get a good offer, don't assume that it's the best you'll get. Shop around and compare offers. You might find that that initial offer wasn't as great as it seemed. Compare the terms you're offered to the current national mortgage rates. You can find these online at My FICO. By familiarizing yourself with what's out there and with what can be expected, you're protecting yourself from scams.
Mortgage scams are a problem, but they can be avoided. Just remember that mortgages that seem too good to be true probably are. The Mortgage Asset Research Institute reported that 26 states have "serious problems with mortgage fraud". Some tactics include pressuring home buyers to file quitclaim deeds; buying homes at low prices and re-selling them for profit through dishonest appraisals; and manipulating fees and penalties to re-classify performing loans as defaults.
When choosing who you'll do business with, be sure to select an established business with a good reputation. This doesn't necessarily mean that the largest lenders will give you the best terms; don't forget to look for local firms, too. Check them out online through the Better Business Bureau and Rip-off Report. Ask to speak with previous clients, or solicit opinions through online forums or classified ads. If you're very concerned, you can always hire a lawyer to represent your best interests.
Also, don't accept a variable-interest loan, or a mortgage with a low-interest introductory period. That period won't last forever, and your interest rates – and monthly payments – will likely soar when it's over. Look at how many homes have been foreclosed because buyers couldn't afford the payments after their interest reset at a higher rate. Carefully read everything you sign, and demand clarification for any vague or unspecified points. It wouldn't hurt to have an attorney look it over, too.
Finally, you should consider using a professional mortgage broker. As pros, they have the knowledge and resources to find great loans quickly and easily. Using a broker will cost you some up front money, but will save you time and stress.
We've all heard the myriad horror stories about families losing their homes, houses that were foreclosed and auctioned off for insultingly low prices. This should not scare you away from buying a home, but it should serve as a cautionary tale for anyone looking to secure a mortgage: take your time, and do your homework. If you get caught up in the dream of owning your own home, you're more prone to take the first good deal that comes along. Don't make yourself vulnerable to unscrupulous lenders. Instead, arm yourself with knowledge and keep your head about you. Taking your time to think things through could make all the difference.
About the Author:
This article has been provided courtesy of Destroy Debt, http://www.destroydebt.com/
The Do's And Don'ts Of Secured Credit Cards
It's hard to get away from using a credit card these days. If you want to travel, you must have a credit card to reserve a hotel room. Renting a car? It takes a credit card. Want to get a membership at the new video rental store? Present your credit card, please.
For those with bad or challenged credit, life can be tough without a credit card. Secured credit cards can help to bridge this gap for those without credit or with damaged credit.
A secured credit card works like this: you deposit a set amount into an account (usually between $300 and $500) and that becomes your credit limit. Your deposit, in essence, "secures" the credit card. If you don't pay, your money becomes the issuing credit card company's security against default.
After you have established good credit, you can increase the credit line by depositing more money, or the credit card company might extend you more credit without an additional deposit.
Secured credit cards can be an excellent choice for many people, but there are a few things to know:
* Almost all secured credit cards have an annual fee. But these fees can vary greatly from one issuing company to another. Shop around.
* Many banks no longer offer secured credit cards, but often credit unions do. If you want to go this route, you can open an account at many credit unions for as little as $5 and then look into the secured credit card there.
* Most issuing companies will require that you pay the balance in full each month. They don't take your payment due from the money you have deposited – you must send a payment just as you would for a traditional credit card. These are usually not revolving credit accounts.
If you think a secured credit card is the right thing for you, there are some do's and don'ts to consider. First, the do's:
* DO shop around. Not all offers are the same. Don't take the first offer that appears in your mailbox. Do your own research.
* DO look into getting a secured credit card with a higher balance if that's what you need. In other words, if you have $3,000 to deposit, find an issuing company that will allow you to deposit that much to start so your limit will be higher.
* DO make sure this is the best option for you. If you have never had credit before, or you have severely damaged credit, this might be the only option. But if you think you can get a traditional card, that's a better option.
* DO read all the fine print. Every single word. Some companies charge so many fees, your small $300 deposit might be eaten up in fees before you can ever use the card. Some require you to purchase insurance, for $50 or more a month. But many companies don't do these things and those are the companies you're looking for. Do your research and get the best deal for you.
Although secured credit cards are a good option for many people, there are some don't considerations. These include:
* DON'T be casual about this credit card. If you have damaged credit, using a secured credit card is an excellent way to re-establish your good credit rating. If you have never had credit, this is a way to establish credit so you can acquire traditional credit later.
* DON'T try to go over your limit (or deposit amount). Not only will the charge not go through, but it will be a mark against you. Keep careful records each month you use the card so you know you're not charging right up against the credit limit.
About the Author:
This article has been provided courtesy of Creditor Web, http://www.creditorweb.com
Understanding Your Credit Card Rights
When you apply for and are issued credit, your signature on the credit application acts as your acceptance of the terms set forth by the issuing financial institution. Even though it may seem that the issuer has the upper hand in all matters related to using the credit, that's not entirely true.
You have certain rights, many of which are provided under the Fair Credit Billing Act. What's important when exercising these rights is ensuring that you take all required steps in the order and time frame specified. Let' start with the biggest credit problem, billing disputes.
Billing disputes
Billing disputes in which merchants charge cardholders for items not received or items received defective happen all the time. According to the Fair Credit Billing Act, you have a right to dispute such charges by taking the following steps.
Step 1
Within 60 days of the date you received the first statement listing the disputed item, you must contact the issuer of the credit card in writing. Be sure to use the separate address listed for Billing Inquiries. Also be sure to mail your letter which must include your name as listed on the cardholder account, account number, details of the disputed item and what you want to happen (i.e., that the error be corrected).
Step 2
Before sending the letter, sign it and make a copy for your records. Include copies of all supporting documentation (dated receipts, etc.) and use a mailing method that offers proof of delivery such as certified mail. The issuer will notify you within 30 days of receipt of your written dispute and will then investigate the matter.
While the investigation is underway you are not required to pay for the item in dispute nor the corresponding finance charges. If the dispute sides in your favor, you are released from further liability in the matter. If not, you will be responsible for making the payment as outlined in cardholder agreement.
Unauthorized charges
This is another big problem with credit cards. However, as a cardholder, your responsibility for proven unauthorized charges is limited to $50; not the full amount. Unauthorized charges can easily run into the hundreds and thousands of dollars so even though it seems high, $50 is a small price to pay if you're ever a victim of identity theft.
When you cannot pay your bill
When you use credit cards to make purchases you're considered a debtor. If you're ever not able to repay credit debt that you incur, you'll likely be contacted by a debt collector.
In the past, debt collectors used all sorts of threatening and intimidating tactics in their efforts to collect debt. Fortunately, the Fair Debt Collection Practices Act prohibits such unfair treatment of debtors. The Act also determines when and how debt collectors may contact debtors. For example, debt collectors are prohibited from making false statements about you or your debt or about any consequences of you not paying that debt, such as saying you'll be arrested or that your wages will be garnished.
None of the above means you're relieved of your responsibility to repay your debt. It just means you have the right to be treated fairly while debt collection efforts are underway.
For more information
If there's ever any question about your credit card rights and you need fair, unbiased answers including an explanation of your rights, try contacting the FTC at http://www.ftc.gov/. There you can learn about credit card fraud, dealing with lost or stolen credit/debit cards, fair billing rights, unfair or deceptive business practices, internet and phone orders, and more. Information on these and other consumer issues is free.
To better understand your credit cards rights as they relate to complicated issues such as declaring bankruptcy or divorce, consider consulting an attorney.
About the Author:
This article has been provided courtesy of Creditor Web, http://www.creditorweb.com
You have certain rights, many of which are provided under the Fair Credit Billing Act. What's important when exercising these rights is ensuring that you take all required steps in the order and time frame specified. Let' start with the biggest credit problem, billing disputes.
Billing disputes
Billing disputes in which merchants charge cardholders for items not received or items received defective happen all the time. According to the Fair Credit Billing Act, you have a right to dispute such charges by taking the following steps.
Step 1
Within 60 days of the date you received the first statement listing the disputed item, you must contact the issuer of the credit card in writing. Be sure to use the separate address listed for Billing Inquiries. Also be sure to mail your letter which must include your name as listed on the cardholder account, account number, details of the disputed item and what you want to happen (i.e., that the error be corrected).
Step 2
Before sending the letter, sign it and make a copy for your records. Include copies of all supporting documentation (dated receipts, etc.) and use a mailing method that offers proof of delivery such as certified mail. The issuer will notify you within 30 days of receipt of your written dispute and will then investigate the matter.
While the investigation is underway you are not required to pay for the item in dispute nor the corresponding finance charges. If the dispute sides in your favor, you are released from further liability in the matter. If not, you will be responsible for making the payment as outlined in cardholder agreement.
Unauthorized charges
This is another big problem with credit cards. However, as a cardholder, your responsibility for proven unauthorized charges is limited to $50; not the full amount. Unauthorized charges can easily run into the hundreds and thousands of dollars so even though it seems high, $50 is a small price to pay if you're ever a victim of identity theft.
When you cannot pay your bill
When you use credit cards to make purchases you're considered a debtor. If you're ever not able to repay credit debt that you incur, you'll likely be contacted by a debt collector.
In the past, debt collectors used all sorts of threatening and intimidating tactics in their efforts to collect debt. Fortunately, the Fair Debt Collection Practices Act prohibits such unfair treatment of debtors. The Act also determines when and how debt collectors may contact debtors. For example, debt collectors are prohibited from making false statements about you or your debt or about any consequences of you not paying that debt, such as saying you'll be arrested or that your wages will be garnished.
None of the above means you're relieved of your responsibility to repay your debt. It just means you have the right to be treated fairly while debt collection efforts are underway.
For more information
If there's ever any question about your credit card rights and you need fair, unbiased answers including an explanation of your rights, try contacting the FTC at http://www.ftc.gov/. There you can learn about credit card fraud, dealing with lost or stolen credit/debit cards, fair billing rights, unfair or deceptive business practices, internet and phone orders, and more. Information on these and other consumer issues is free.
To better understand your credit cards rights as they relate to complicated issues such as declaring bankruptcy or divorce, consider consulting an attorney.
About the Author:
This article has been provided courtesy of Creditor Web, http://www.creditorweb.com
Get Rewards That Feel Rewarding
In the modern world, credit cards have become a basic necessity. Between the ease of using them for shopping, whether in person or online, and the necessity of having one in order to do simple things like make hotel and car reservations, it's difficult to impossible to go without one for long. So as long as you have to have one, you may as well be getting some benefit out of it. Different credit cards come with a vast array of rewards programs that can be redeemed for a variety of products and services, so check out the available options and get a card that actually feels rewarding.
If you have the travel bug, or frequently travel on business, you should consider getting a frequent flier credit card. These credit cards earn you air miles for the purchases that you make on your card and, depending upon the card sponsor, may even give you double benefits for spending at specific venues. Frequent flier credit cards can be sponsored either by a bank, or by an airline, and which type of card-sponsorship you chose can change the benefits you will get.
If you chose an airline-sponsored card, you will get benefits like air miles and airport lounge privileges, but only with your sponsoring airline, so you'll want to make sure it's an airline that travels in your area, and where you want to go. On the other hand, if you go with a bank-sponsored frequent flier credit card, you can use your miles with more than one airline.
The most important thing about using a frequent flier credit card is to watch the fine print. Most frequent flier credit cards come with heavy interest rates, so you only want to use this card for purchases you know you can pay off every month.
Flying isn't for everyone, and credit card companies know this, so there are lots of other options for people who want to enjoy credit card rewards close to home with both of their feet planted solidly on the ground. If you have a long commute, or frequently go on road-trips, you might investigate different gas rebate cards. Gas rebate cards give you cash rebates on the gas that you buy for a small percentage of the overall cost of your gas. Some even offer rebates on the oil you use to heat your home, or purchases that you make at applicable gas stations' convenience stores. The percentage of the rebate varies from card to card, but most of them will send you your rebate once a year in one lump sum so that you really see your savings.
As with the frequent flier credit card, though, it's really only worthwhile to get a gas rebate if you don't plan on carrying a balance. These cards typically come with higher interest rate for any unpaid balance, so only use your gas rebate credit card if you know you'll be able to pay it off.
Feeling like you might miss out on rewards because you aren't constantly on the move? There are options for you too! Different rewards cards offer reward points that can go toward anything from Broadway tickets to books. Entertainment cards are usually pretty benefit-specific, so you'll want to pick a card that offers you points at a place where you'll actually be interested in using them.
But always remember, the terms and conditions always matter more than the rewards you might get from a credit card, especially if you plan on carrying a balance. Free tickets to Cats aren't worth getting stuck with a bad interest rate on your debt.
About the Author:
This article has been provided courtesy of Creditor Web, http://www.creditorweb.com
If you have the travel bug, or frequently travel on business, you should consider getting a frequent flier credit card. These credit cards earn you air miles for the purchases that you make on your card and, depending upon the card sponsor, may even give you double benefits for spending at specific venues. Frequent flier credit cards can be sponsored either by a bank, or by an airline, and which type of card-sponsorship you chose can change the benefits you will get.
If you chose an airline-sponsored card, you will get benefits like air miles and airport lounge privileges, but only with your sponsoring airline, so you'll want to make sure it's an airline that travels in your area, and where you want to go. On the other hand, if you go with a bank-sponsored frequent flier credit card, you can use your miles with more than one airline.
The most important thing about using a frequent flier credit card is to watch the fine print. Most frequent flier credit cards come with heavy interest rates, so you only want to use this card for purchases you know you can pay off every month.
Flying isn't for everyone, and credit card companies know this, so there are lots of other options for people who want to enjoy credit card rewards close to home with both of their feet planted solidly on the ground. If you have a long commute, or frequently go on road-trips, you might investigate different gas rebate cards. Gas rebate cards give you cash rebates on the gas that you buy for a small percentage of the overall cost of your gas. Some even offer rebates on the oil you use to heat your home, or purchases that you make at applicable gas stations' convenience stores. The percentage of the rebate varies from card to card, but most of them will send you your rebate once a year in one lump sum so that you really see your savings.
As with the frequent flier credit card, though, it's really only worthwhile to get a gas rebate if you don't plan on carrying a balance. These cards typically come with higher interest rate for any unpaid balance, so only use your gas rebate credit card if you know you'll be able to pay it off.
Feeling like you might miss out on rewards because you aren't constantly on the move? There are options for you too! Different rewards cards offer reward points that can go toward anything from Broadway tickets to books. Entertainment cards are usually pretty benefit-specific, so you'll want to pick a card that offers you points at a place where you'll actually be interested in using them.
But always remember, the terms and conditions always matter more than the rewards you might get from a credit card, especially if you plan on carrying a balance. Free tickets to Cats aren't worth getting stuck with a bad interest rate on your debt.
About the Author:
This article has been provided courtesy of Creditor Web, http://www.creditorweb.com
Thursday, December 13, 2007
Bankruptcy Debt Relief - The Last Resort
Are you buried neck-deep in debt? Do you owe a total of more than a hundred thousand dollars? Have you been repeatedly turned down by debt relief services? If so, don't lose hope because there is still one last resort for you and that is to file for bankruptcy.
Bankruptcy debt relief has been the way out for thousands of people who have no idea of how to escape the financial hole they have inadvertently trapped themselves in. There are even individuals who have filed for bankruptcy more than once in their life.
However, before you join their ranks and go for bankruptcy debt relief yourself, you have to make sure first that there is really no other option for you.
The moment you file for bankruptcy, you will immediately be free of all existing debts. This idea might sound very appealing especially for someone who is already up against the wall in terms of financial obligations. However, you will have to completely understand the workings of the bankruptcy debt relief system before you affix your signature on the bankruptcy documents.
Probably the biggest drawback of bankruptcy debt relief is that once you are officially declared bankrupt, your Credit Bureau report will be stamped with the word 'Bankruptcy' in big, bold letters. When the lending companies see this on your record, you can be sure that they will not be sending any credit card offers your way.
Usually, your credit report will be cleared only after a period of seven years. This means that during this time, you will have to live on whatever cash you have because no creditor will be crazy enough to lend money to someone who obviously doesn't have the means to pay for it. Of course, you can always borrow from generous relatives and friends but that would probably push down your rank in their list of favorite people in town.
Seven years can be a pretty long time and it may not be worth the initial freedom that you can get from bankruptcy debt relief. It is therefore critical that you try all alternatives first before filing for bankruptcy. There are thousands of institutions in the country that offer debt counseling services.
Before opting for bankruptcy debt relief, it would be a good idea to consult with some of these financial experts and bankruptcy attorneys so that you can determine if bankruptcy debt relief is in fact the best option to take.
When you are at a financial website that claims to offer debt relief programs, the first thing you have to look for is whether the address and phone number of their company is listed on the site. If there is no contact information and only a P.O. Box number is supplied, that is a sure sign of a scam and you shouldn't waste your time on that site.
If a telephone number is listed, you must try calling the debt relief program company. Communicating on the phone with an actual person is always better than just corresponding with them via email.
About the Author:
You can also find more info on http://www.getdebtreductionhelp.com/category/credit-card-debt-reduction on credit card debt reduction and http://www.getdebtreductionhelp.com/category/debt-consolidation-and-reduction-is-the-way-to-financial-freedom on debt consolidation.
Bankruptcy debt relief has been the way out for thousands of people who have no idea of how to escape the financial hole they have inadvertently trapped themselves in. There are even individuals who have filed for bankruptcy more than once in their life.
However, before you join their ranks and go for bankruptcy debt relief yourself, you have to make sure first that there is really no other option for you.
The moment you file for bankruptcy, you will immediately be free of all existing debts. This idea might sound very appealing especially for someone who is already up against the wall in terms of financial obligations. However, you will have to completely understand the workings of the bankruptcy debt relief system before you affix your signature on the bankruptcy documents.
Probably the biggest drawback of bankruptcy debt relief is that once you are officially declared bankrupt, your Credit Bureau report will be stamped with the word 'Bankruptcy' in big, bold letters. When the lending companies see this on your record, you can be sure that they will not be sending any credit card offers your way.
Usually, your credit report will be cleared only after a period of seven years. This means that during this time, you will have to live on whatever cash you have because no creditor will be crazy enough to lend money to someone who obviously doesn't have the means to pay for it. Of course, you can always borrow from generous relatives and friends but that would probably push down your rank in their list of favorite people in town.
Seven years can be a pretty long time and it may not be worth the initial freedom that you can get from bankruptcy debt relief. It is therefore critical that you try all alternatives first before filing for bankruptcy. There are thousands of institutions in the country that offer debt counseling services.
Before opting for bankruptcy debt relief, it would be a good idea to consult with some of these financial experts and bankruptcy attorneys so that you can determine if bankruptcy debt relief is in fact the best option to take.
When you are at a financial website that claims to offer debt relief programs, the first thing you have to look for is whether the address and phone number of their company is listed on the site. If there is no contact information and only a P.O. Box number is supplied, that is a sure sign of a scam and you shouldn't waste your time on that site.
If a telephone number is listed, you must try calling the debt relief program company. Communicating on the phone with an actual person is always better than just corresponding with them via email.
About the Author:
You can also find more info on http://www.getdebtreductionhelp.com/category/credit-card-debt-reduction on credit card debt reduction and http://www.getdebtreductionhelp.com/category/debt-consolidation-and-reduction-is-the-way-to-financial-freedom on debt consolidation.
Who Are Online Payday Loans For?
There may be a time where you are hit with an unexpected cash emergency, such as a bank overdraft, an unforeseen car repair, medical bill, or unexpectedly high utility payment. If you find yourself in a situation where you need emergency cash, there is now the option to apply for an online payday loan. When handled correctly, receiving an online payday loan is an advantageous economical alternative to costly overdraft fees, bounced check charges, taxes or possibly losing your job if you do not have money on hand for a needed car repair.
The months. The criterion regarding the minimum amount of time you have to be employed will vary depending on the payday lender and their policies.
The last major requirement for an online payday loan is verifiable income. The minimum required take home pay is dependent upon the payday lender and can vary from $1,200 to $2,000 a month. Since your payment would be automatically deducted from your bank account, you must have requirements for an online payday loan are few. First, you must have access to the computer and the Internet. With many households having at least one PC with the Internet, the ability to perform tasks that used to require you to personally visit the company or establishment, like applying for a cash advance or short-term loan, can now be performed in the privacy of your own home.
Secondly, to be eligible for instant cash through an online payday loan you must be at least 18 years old and employed permanently full time or part time for a minimum of 3 months, a checking account and be paid by direct deposit from your place of employment.
If you were considering applying for your first online payday loan, the amount that you could borrow would be dependent on policies of the payday lender you choose. Australias leading online payday loan lender allows payday loan recipients to borrow up to 30% of their net income. Regardless of your income, if you were paid weekly and you are a first time borrower, your maximum loan would not exceed $200. If you were paid every two weeks or fortnightly, the maximum online payday loan allowable would be $300. If you are paid monthly, you could borrow the lesser amount of $400 or 20% of your income. After you paid off your first loan, most payday lenders would allow you to borrow more on your next loan as long as your situation did not change.
Applying for an online payday loan would be a means to secure money quickly for those with a PC and have steady income such as those in clerical, recruiting, accounts, sales and insurance. If you manage your loan correctly, receiving an online payday loan would be a cost efficient alternative to paying costly overdraft fees, bounced check charges or possibly losing your job if you could not afford a repair on your vehicle. For these reasons, consult an online loan company. They are the convenient and hassle free way to solve some of your financial problems.
About the Author:
Greg Ellis co-founded Cash Doctors, Australias largest online payday lender. Cash Doctors founders understand the Internet and their clients intimately, having found themselves in need of a source of fast, convenient credit in years gone by. In 2005 they created one http://www.cashdoctors.com.au/
The months. The criterion regarding the minimum amount of time you have to be employed will vary depending on the payday lender and their policies.
The last major requirement for an online payday loan is verifiable income. The minimum required take home pay is dependent upon the payday lender and can vary from $1,200 to $2,000 a month. Since your payment would be automatically deducted from your bank account, you must have requirements for an online payday loan are few. First, you must have access to the computer and the Internet. With many households having at least one PC with the Internet, the ability to perform tasks that used to require you to personally visit the company or establishment, like applying for a cash advance or short-term loan, can now be performed in the privacy of your own home.
Secondly, to be eligible for instant cash through an online payday loan you must be at least 18 years old and employed permanently full time or part time for a minimum of 3 months, a checking account and be paid by direct deposit from your place of employment.
If you were considering applying for your first online payday loan, the amount that you could borrow would be dependent on policies of the payday lender you choose. Australias leading online payday loan lender allows payday loan recipients to borrow up to 30% of their net income. Regardless of your income, if you were paid weekly and you are a first time borrower, your maximum loan would not exceed $200. If you were paid every two weeks or fortnightly, the maximum online payday loan allowable would be $300. If you are paid monthly, you could borrow the lesser amount of $400 or 20% of your income. After you paid off your first loan, most payday lenders would allow you to borrow more on your next loan as long as your situation did not change.
Applying for an online payday loan would be a means to secure money quickly for those with a PC and have steady income such as those in clerical, recruiting, accounts, sales and insurance. If you manage your loan correctly, receiving an online payday loan would be a cost efficient alternative to paying costly overdraft fees, bounced check charges or possibly losing your job if you could not afford a repair on your vehicle. For these reasons, consult an online loan company. They are the convenient and hassle free way to solve some of your financial problems.
About the Author:
Greg Ellis co-founded Cash Doctors, Australias largest online payday lender. Cash Doctors founders understand the Internet and their clients intimately, having found themselves in need of a source of fast, convenient credit in years gone by. In 2005 they created one http://www.cashdoctors.com.au/
Secrets Of Eating Healthy And Cheap
There are many secrets in the world of food and many secrets in the world of fiscal management. This article will attempt to focus on both by presenting a reasonable point of view that expresses the benefits of healthy eating and how it can have a positive impact on your financial reality. You do not have to spend more cash to eat properly, but you do have to shop smart and keep your eyes open for ideas and ways in which to prepare food in more healthy, smart ways.
Eating healthy is generally seen as a matter of balance. Do not attempt to cut out that cheeseburger or that BBQ ribs meal without cause. That said you should aim to have a balanced diet. A nutritious diet should be low in saturated fat and contain mostly breads, cereals, vegetables and fruit. Cut out the occasions on which you eat less nutritious foods and replace it with a healthier alternative on two-thirds of the times you partake. This helps ensure that you are maintaining many of the facets of your original dietary plan and merely integrating new aspects to your diet, helping you get over any transitional period by showing your body and your palette that your old tastes still exist and are still possible to enjoy. Create short term goals that are achievable. If you reach your goal, allow yourself a small treat.
In order to perform this task and accomplish this goal without damaging your budget ideologies, you need to shop smart with your cash. For some, creating a list before going shopping helps ensure that you stick to a budget. As long as you stick to only buying items on the list, you can also ensure that you don't purchase too many non-nutritious items. Try vegetable markets and fruit stands for those items, as they tend to have a higher quality product offered at a lower cost to the consumer. They cut out the middle person, being the supermarket, which in turn cuts out a lot of the cost. Often, produce brought through these outlets may be fresher and of a higher nutritional quality. Try a local butcher as well. The same reasoning applies here as the butcher merely brings the quality meat to the consumer instead of passing through another avenue. It is always best and, generally, less expensive to seek out smaller retailers for your quality items.
Ration yourself and your finances. Remember, too, the important principle of seeking help when you need it. If you need help planning your diet around your budget, you may want to consult a dietician. If you need help planning your cash situation in general, you may want to consult various online and offline financial institutions. Various useful articles can be found online about issues like budgeting, loans or even just finance in general. Some finance companies can transform the reality of your financial situation into something else. You may find that a short term loan, cash advance or payday loan could be your best option. By having both a healthy diet and a great fiscal outlook thanks to some loan companies, the sky is virtually the limit.
About the Author:
Greg Ellis co-founded Cash Doctors, Australia's largest online payday lender. Cash Doctors' founders understand the Internet and their clients intimately, having found themselves in need of a source of fast, convenient credit in years gone by. In 2005 they created one http://www.cashdoctors.com.au/
Eating healthy is generally seen as a matter of balance. Do not attempt to cut out that cheeseburger or that BBQ ribs meal without cause. That said you should aim to have a balanced diet. A nutritious diet should be low in saturated fat and contain mostly breads, cereals, vegetables and fruit. Cut out the occasions on which you eat less nutritious foods and replace it with a healthier alternative on two-thirds of the times you partake. This helps ensure that you are maintaining many of the facets of your original dietary plan and merely integrating new aspects to your diet, helping you get over any transitional period by showing your body and your palette that your old tastes still exist and are still possible to enjoy. Create short term goals that are achievable. If you reach your goal, allow yourself a small treat.
In order to perform this task and accomplish this goal without damaging your budget ideologies, you need to shop smart with your cash. For some, creating a list before going shopping helps ensure that you stick to a budget. As long as you stick to only buying items on the list, you can also ensure that you don't purchase too many non-nutritious items. Try vegetable markets and fruit stands for those items, as they tend to have a higher quality product offered at a lower cost to the consumer. They cut out the middle person, being the supermarket, which in turn cuts out a lot of the cost. Often, produce brought through these outlets may be fresher and of a higher nutritional quality. Try a local butcher as well. The same reasoning applies here as the butcher merely brings the quality meat to the consumer instead of passing through another avenue. It is always best and, generally, less expensive to seek out smaller retailers for your quality items.
Ration yourself and your finances. Remember, too, the important principle of seeking help when you need it. If you need help planning your diet around your budget, you may want to consult a dietician. If you need help planning your cash situation in general, you may want to consult various online and offline financial institutions. Various useful articles can be found online about issues like budgeting, loans or even just finance in general. Some finance companies can transform the reality of your financial situation into something else. You may find that a short term loan, cash advance or payday loan could be your best option. By having both a healthy diet and a great fiscal outlook thanks to some loan companies, the sky is virtually the limit.
About the Author:
Greg Ellis co-founded Cash Doctors, Australia's largest online payday lender. Cash Doctors' founders understand the Internet and their clients intimately, having found themselves in need of a source of fast, convenient credit in years gone by. In 2005 they created one http://www.cashdoctors.com.au/
Shopping On A Budget
Most of us struggle to find clothing for girls that don't make your favorite five-year-old look like a midget Britney Spears. There are plenty of stores to find age appropriate items like Old Navy, Children's Place, and the Gap. These stores offer great pieces, for reasonable prices. Always buy items like pants and jackets one size up, so that it can last into the beginning of the following year.
H&M has some of cutest clothing for girls at even cheaper prices than the GAP. Avoid department stores that tend to price childrens clothing at the same price point as adults. There is no justification for a 4T Ralph Lauren skirt to cost that same as an adult skirt. The one exception is at Macys, which has great deals on children's clothing during their major sale events.
The best store to bargain shop for girls is at Target. The options are limitless and the clothes are well constructed with most items in the $10-$17 range. Plus shopping at target is very acceptable (unlike K-MART), so you can save money without worry about the "cool" factor.
It seems like the designers for boys clothing are hell-bent on making them look like little action heroes. Bargain shopping for these tykes is an art form that few know how to do. Target has great stuff for little guys, with Children's Place giving the most for your bucks. However, SEARS is also a great place to find cute little items from designers like Sean John and Levi, for very reasonable prices.
Although Old Navy is great place for basics like Cargo pants, the really cool stuff is at GAP. Bright colored lumberjack jackets and knit caps will keep your little guy looking stylish. Another good place is Marshall's and T.J. Maxx. Usually both these stores have nice suits from designers like Polo Ralph Lauren for such a bargain that you could also pick them up a little toy to make up for forcing them to go shopping.
Further signs of a shift in the market include both Morrisons and Tesco selling energy efficient lightbulbs at low prices, while Asda, the Co-op and Somerfield greatly increased the proportion of in-season vegetables produced in the UK.
But the survey, carried out by the independent group Sustain, says no retailer has yet risen to the challenge of being a truly green business, with even the top performers failing to implement basic measures. No supermarket got top marks for the amount of British in-season produce on sale, while the report noted the "wildly varying performance" in terms of unnecessary packaging and plastic bags.
Larry Whitty, chair of the NCC, said: "The food we eat is responsible for one-third of our impact on climate change. NCC's research has spotted important signs of progress right across the market ... but much remains to be done if supermarkets are to become truly green grocers."
Meanwhile, separate research being published today by the Climate Group reveals poor consumer awareness of companies taking the lead on climate change. The research shows that two-thirds of people were unable to name any brands that are taking a lead, but said 80% of consumers were making some effort to be green.
About the Author:
Jon Caldwell is an avid bargain shopper consumer. You can check out his latest shopping spree at http://www.bargain-shoppers.com/bargain-shopperscat/bargain-shopperslist.php
H&M has some of cutest clothing for girls at even cheaper prices than the GAP. Avoid department stores that tend to price childrens clothing at the same price point as adults. There is no justification for a 4T Ralph Lauren skirt to cost that same as an adult skirt. The one exception is at Macys, which has great deals on children's clothing during their major sale events.
The best store to bargain shop for girls is at Target. The options are limitless and the clothes are well constructed with most items in the $10-$17 range. Plus shopping at target is very acceptable (unlike K-MART), so you can save money without worry about the "cool" factor.
It seems like the designers for boys clothing are hell-bent on making them look like little action heroes. Bargain shopping for these tykes is an art form that few know how to do. Target has great stuff for little guys, with Children's Place giving the most for your bucks. However, SEARS is also a great place to find cute little items from designers like Sean John and Levi, for very reasonable prices.
Although Old Navy is great place for basics like Cargo pants, the really cool stuff is at GAP. Bright colored lumberjack jackets and knit caps will keep your little guy looking stylish. Another good place is Marshall's and T.J. Maxx. Usually both these stores have nice suits from designers like Polo Ralph Lauren for such a bargain that you could also pick them up a little toy to make up for forcing them to go shopping.
Further signs of a shift in the market include both Morrisons and Tesco selling energy efficient lightbulbs at low prices, while Asda, the Co-op and Somerfield greatly increased the proportion of in-season vegetables produced in the UK.
But the survey, carried out by the independent group Sustain, says no retailer has yet risen to the challenge of being a truly green business, with even the top performers failing to implement basic measures. No supermarket got top marks for the amount of British in-season produce on sale, while the report noted the "wildly varying performance" in terms of unnecessary packaging and plastic bags.
Larry Whitty, chair of the NCC, said: "The food we eat is responsible for one-third of our impact on climate change. NCC's research has spotted important signs of progress right across the market ... but much remains to be done if supermarkets are to become truly green grocers."
Meanwhile, separate research being published today by the Climate Group reveals poor consumer awareness of companies taking the lead on climate change. The research shows that two-thirds of people were unable to name any brands that are taking a lead, but said 80% of consumers were making some effort to be green.
About the Author:
Jon Caldwell is an avid bargain shopper consumer. You can check out his latest shopping spree at http://www.bargain-shoppers.com/bargain-shopperscat/bargain-shopperslist.php
Saturday, December 08, 2007
Gas Reward Cards - An Extra Gallon Can Truly Help
By Derek Lenehan
I'd like to share an experience I had a few weeks ago. I was putting gas into my '92 Eagle Talon at a gas station a couple miles from my home. Perhaps I hadn't anticipated rising fuel costs, or I wasn't conscious of my wallet contents, but I filled my car with $32 of regular unleaded, and I only had $30 on me. A mere two dollar oversight.
I did what any typical driver would do in this situation: I began raking beneath my seats for any change I could find. A chipped fingernail, two packets of barbeque sauce and an unopened piece of mail later, I had discovered only 98 cents comprised of mostly pennies with a couple nickels encapsulated in an unknown sticky substance.
I asked the portly station attendant if he could spot me the $1.02 that I lacked. He sized me up while spitting tobacco juice into a Fanta can, and promptly said no. I waited for a kind-hearted customer to arrive that I could beg from, but that proved fruitless after a half hour. Never fill your tank around 3:45 a.m., it's asking for doom.
'How could this have been avoided?' I asked myself while walking the distance back home to retrieve a dollar and two cents. I thought real hard and realized that I wanted two things to change. First, I didn't want to have to rely on my spotty memory and cash. Second, I wanted to be repaid for this fiasco, I wanted to get a reward to soothe my ruffled feathers.
The answer became simple. I'd seen the ads everywhere, and why I hadn't done it before was a mystery. A credit card that features cash back on gas purchases. Several companies offer them with a cash back reward of about 5% on any money spent on fuel.
I did the math while attempting a shortcut through a golf course. 5% on my $32 purchase was $1.60. Combined with the sticky change I had mined from beneath my seats, I would have able to pay for the fuel and even thrown in a half gallon of generic iced tea.
I realized shortly after, while walking across the fairway on the scenic and lovely 14th hole, that the rewards aren't typically instant. This information only had me down for a moment or two, because I realized that if I'd had a gas rewards credit card from the first day I had a car, the cash back I could have amassed over time would have been easily enough to pay for the entire tank. Maybe two.
I got home at 5:54 a.m., pawed through my change jar and took what I needed. A police officer stopped me while I was walking back to the gas station, and was kind enough to give me a ride back. I paid the bill, drove back, immediately went to bed as the sun was rising, and dreamt of fuel-beneficial credit cards and a better pair of shoes.
About the Author:
Derek Lenehan attends Kent State University in pursuit of a major in Journalism. He is also a credit card commentator at CompareCC.com, a site dedicated to providing the largest selection of gas reward credit cards available online.
Article Source: Article Submission Directory - Easy Article Submit
I'd like to share an experience I had a few weeks ago. I was putting gas into my '92 Eagle Talon at a gas station a couple miles from my home. Perhaps I hadn't anticipated rising fuel costs, or I wasn't conscious of my wallet contents, but I filled my car with $32 of regular unleaded, and I only had $30 on me. A mere two dollar oversight.
I did what any typical driver would do in this situation: I began raking beneath my seats for any change I could find. A chipped fingernail, two packets of barbeque sauce and an unopened piece of mail later, I had discovered only 98 cents comprised of mostly pennies with a couple nickels encapsulated in an unknown sticky substance.
I asked the portly station attendant if he could spot me the $1.02 that I lacked. He sized me up while spitting tobacco juice into a Fanta can, and promptly said no. I waited for a kind-hearted customer to arrive that I could beg from, but that proved fruitless after a half hour. Never fill your tank around 3:45 a.m., it's asking for doom.
'How could this have been avoided?' I asked myself while walking the distance back home to retrieve a dollar and two cents. I thought real hard and realized that I wanted two things to change. First, I didn't want to have to rely on my spotty memory and cash. Second, I wanted to be repaid for this fiasco, I wanted to get a reward to soothe my ruffled feathers.
The answer became simple. I'd seen the ads everywhere, and why I hadn't done it before was a mystery. A credit card that features cash back on gas purchases. Several companies offer them with a cash back reward of about 5% on any money spent on fuel.
I did the math while attempting a shortcut through a golf course. 5% on my $32 purchase was $1.60. Combined with the sticky change I had mined from beneath my seats, I would have able to pay for the fuel and even thrown in a half gallon of generic iced tea.
I realized shortly after, while walking across the fairway on the scenic and lovely 14th hole, that the rewards aren't typically instant. This information only had me down for a moment or two, because I realized that if I'd had a gas rewards credit card from the first day I had a car, the cash back I could have amassed over time would have been easily enough to pay for the entire tank. Maybe two.
I got home at 5:54 a.m., pawed through my change jar and took what I needed. A police officer stopped me while I was walking back to the gas station, and was kind enough to give me a ride back. I paid the bill, drove back, immediately went to bed as the sun was rising, and dreamt of fuel-beneficial credit cards and a better pair of shoes.
About the Author:
Derek Lenehan attends Kent State University in pursuit of a major in Journalism. He is also a credit card commentator at CompareCC.com, a site dedicated to providing the largest selection of gas reward credit cards available online.
Article Source: Article Submission Directory - Easy Article Submit
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