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- Internet Business Marketing: Tips For Repeat Web Traffic [1 Update]
- Fun Online Trivia Game Questions And Answers [1 Update]
- Credit Card Debt Solutions: Begin Before It Is Too Late [1 Update]
- Money Management: Fighting Personal Bankruptcy And Winning [1 Update]
- Financial Planning: Get Answers About Bankruptcy Before Its Too Late [1 Update]
- Self Help Credit Repair: Second Chance Credit [1 Update]
- Homeschooling Benefits Both Parents And Children [1 Update]
- College Search: How To Solve Your Dilemma On College And College Degree Selection [1 Update]
- Do I Need A College Degree? [1 Update]
- Preschool: Toddler Innocence Or Wisdom? [1 Update]
- Debt Consolidation: Debt Relief [1 Update]
- Credit Card: Do It Yourself Credit Repair [1 Update]
- Pursuit Of Happiness: Having The Ideal In Life... Just Imagine! [1 Update]
- Rule Of Four: What You Need To Know About Small Business Financing Credit Cards [1 Update]
- Best Balance Transfer Credit Cards May Save Your Life [1 Update]
- Visa Student Credit Cards: Plastics With Lessons [1 Update]
- Making Sense Of Those Car Insurance Policies And Terms [1 Update]
- What Can You Do In Advance To Get A Better Mortgage Rate? [1 Update]
- Why Using A Mortgage Broker Can Save You Money [1 Update]
- How To Buy Home Insurance [1 Update]
- Is An Interest Only Mortgage What You Need? [1 Update]
- Cash Back Credit Cards - Are They Worth It? [1 Update]
- How To Calculate How Much Home Insurance You Need [1 Update]
- Is Mortgage Financing Possible With Bad Credit? [1 Update]
- How To Know When To Get A Remortgage [1 Update]
- "Deanna Mascle" <submissions@isnare.net> Mar 23 06:50PM +0800
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Article Title: Internet Business Marketing: Tips For Repeat Web Traffic
Author: Deanna Mascle
Word Count: 393
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1. Update the pages on your website frequently. Stagnant sites are dropped by some search engines. You can even put a date counter on the page to show when it was last updated.
2. Offer additional value on your website. For affiliates and partners you can place links to their sites and products and ask them to do the same for you. You can also advertise their books or videos, if these products relate to your industry and are not in competition with your own product.
3. You can allow customers to 'opt in' to get discounts and special offers. Place a link on your site to invite customers to 'opt in' to get a monthly newsletter or valuable coupons.
4. Add a link to your primary page with a script 'Book Mark or Add this site to your Favorites'.
5. Add a link 'Recommend this site to a Friend' so that the visitor can email your website link, with a prewritten title, "Thought you might be interested in this", just by clicking on it.
6. Brand your website so that visitors always know they are on your site. Use consistent colors, logos and slogans and always provide a 'Contact Us' link on each page.
7. Create a 'Our Policies' page that clearly defines your philosophy and principles in dealing with your customers. Also post your privacy policy as well so that clients know they are secure when they visit your site.
8. Create a FAQ page which addresses most of the doubts and clarifications about your product or your company that are likely to be asked. This helps to resolve most of the customers doubts in their first visit to your site.
8. Ensure that each page on your website has appropriate titles and keywords so that your customer can find their way back to your site if they lose the book mark.
9. Never spam a client, who has opted for newsletters, with unsolicited emails. Later if they decide they want to 'opt out' of the mailings, be sure you honor their request and take them off the mailing list. They may still come back if they like your products. But they will certainly not come back if you continue to flood their email box with mails they no longer wish to receive.
About The Author: FREE Internet Business Marketing Tutorial: 7 Steps To Establish Your Epresence at http://epresence.biz
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- "Deanna Mascle" <submissions@isnare.net> Mar 23 06:40PM +0800
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Article Title: Fun Online Trivia Game Questions And Answers
Author: Deanna Mascle
Word Count: 368
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Question: Infants have more or less number of bones than adults?
Answer: More
Trivia Teaser: A baby's body has about 300 bones at birth. These eventually fuse, or grow together, to form the 206 bones that adults possess.
Question: What are the holes in Swiss cheese called?
Answer: Eyes
Trivia Teaser: In order to make cheese you need bacteria. Propionibacter shermani is one of the three types of bacteria used to make Swiss cheese, and it's responsible for the cheese's distinctive holes. Once P. shermani is added to the cheese mixture and warmed, bubbles of carbon dioxide form. These bubbles become holes in the final product. Cheesemakers can control the size of the holes by changing the acidity, temperature, and curing time of the mixture.
Question: Greenland belongs to what country
Answer: Denmark
Trivia Teaser: Although its closest neighbours are Canada and Iceland, it belongs to Denmark. In this vast area there are only 55,000 inhabitants, most of them Inuits, but also people from Denmark, Faroe islands, and some from other Scandinavian countries and USA.
Question: How much blood does the human body contain?
Answer: 6 quarts or 5.6 liters
Trivia Teaser: The heart pumps about 55-80 ml (1/3 cup) of blood with each beat for adults and around 25-85 ml per beat for children. An adult heart pumps about 6,000-7,500 liters (1,500-2,000 gallons) of blood daily.
Question: How many oceans are there in the world?
Answer: Four
Trivia Teaser: Although the oceans of the earth are all connected and truly one "World Ocean," most often the world is divided into four major "oceans" - the Pacific Ocean, Atlantic Ocean, Arctic Ocean, and the Indian Ocean. Some consider there to be five oceans - the fifth being an ocean surrounding Antarctica called the Antarctic Ocean or Southern Ocean.
Question: What is the tallest mammal on the planet?
Answer: Giraffe
Trivia Teaser: Male giraffes are larger than females. Males weigh between 2,400 and 3,000 pounds and stand up to 19 feet tall! Female giraffes weigh between 1,600 and 2,600 pounds and grow to be 16 feet tall.
About The Author: If you enjoy Free Online Trivia Game and Free Trivia Questions and Answers you should visit the Trivia Teaser Online Contest at http://TriviaTeaserOnline.com
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- "Deanna Mascle" <submissions@isnare.net> Mar 23 06:30PM +0800
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Article Title: Credit Card Debt Solutions: Begin Before It Is Too Late
Author: Deanna Mascle
Word Count: 584
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Are you looking for a credit card debt solution? If you in desperate need of a credit card debt solution, but do not want to spend big dollars or hours to get the job done, here are a few pointers to help get you started.
In the world of credit cards, credit debt is all too common. Debt from credit cards can be very stressful, and lead to a very crippling situation. No one is immune to credit card debt, as even students can experience debt with their credit cards as well. With people using their credit cards more these days, more and more people continue to take the plunge into debt. Debt is never good, as it leads to bankruptcy and the destruction of your credit report.
Even though getting in credit card debt is simple to do, getting out of it is something that takes a lot of work. Even if you go to an agency or company that specializes in helping people out of debt, it won't happen overnight. To get out of debt, it will take you quite a bit of time and effort as you get the debt under control and begin the long process of rebuilding your credit.
To properly defend yourself from credit card debt, you will need to know quite a bit about credit, managing your money, and finances in general. Normally, you can stay out of debt by creating an ideal budget and saving money whenever you can. If you stick to this plan and avoid steering away from it, you'll normally have no problems staying out of debt.
If you have other credit cards that you don't use, such as store credit cards that are known for high interest rates, you should dispose of them. If you have a lot of open accounts, you should look into debt consolidation, which will combine all of your debts into one payment so you can get them out of the way quicker. By using debt consolidation services, you will only have one bill to pay.
When you receive your credit card bill, you should always strive to pay more than just the minimum. If you only pay the minimum amount, you could very well end up being in debt the rest of your life - as you could be paying nothing but the interest. Every month, you should strive to pay the minimum amount and then some. Paying more than the minimum amount will also help to pay offer your credit card bill faster as well.
No matter how much credit card debt you are in, you can always find debt management services and agencies that will help you fight back. Credit card debt is very common these days, something many of us have experienced. Although there are ways out of credit card debt, the best way to get out of it is to avoid it all together. If you pay your bills on time and never miss a payment - you'll always live a debt free lifestyle.
So, there you have it. Now that you have been given at least five ways to improve your credit card debt solution, the next step is up to you. Take this information and make use of it. It is easier to do nothing, but in the end you will thank yourself for having taken action on a credit card debt solution.
About The Author: Deanna Mascle shares more advice at her site "Credit Repair" at http://answersaboutcredit.com where you can also download the free ebook "What To Do When Your Credit Goes Bad"
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- "Deanna Mascle" <submissions@isnare.net> Mar 23 06:20PM +0800
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Article Title: Money Management: Fighting Personal Bankruptcy And Winning
Author: Deanna Mascle
Word Count: 529
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Today's culture has seen an unmatched rise in the number of people who file personal bankruptcy. With the amount of consumer debt at an all-time high, a growing number of people feel that this is the best option for them so they can start over with their finances. The only problem with this idea is that it does not change a person's behavior. Instead, it almost reinforces the irresponsible habits and behaviors that resulted in the debt in the first place. People who find themselves in this predicament and want to avoid personal bankruptcy will want to look into bankruptcy alternatives before making their final decision.
Bankruptcy occurs when a person - the debtor - has a large amount of debt that they cannot repay for one reason or another. People who file bankruptcy often feel that there is no other option for them to get out of the insurmountable pile of debt that they have acquired. The accumulated debt can come from a variety of sources, including medical bills and credit cards, but not all debts are eligible for dischargeable status under bankruptcy regulations. The situation can also occur for a variety of reasons, from a legitimate catastrophic life event to merely years of irresponsible spending habits.
For years, many people decided to file bankruptcy in order to rid themselves of their student loans. Unfortunately for some people, the United States has recently made laws that exempt federal student loans from personal bankruptcy status. This means that even when a person has declared bankruptcy, they are still responsible for their federal student loans. Currently, this is the only exemption that debtors cannot add to their bankruptcy, but certain circumstances can allow for special provisions in very few cases.
For those who want to avoid bankruptcy, there are several ways to get out of what might seem to be insurmountable debt. Several bankruptcy alternatives are available and they are worth the extra amount of effort and work in order to preserve your credit. Since the United States passed new laws, it is almost impossible to have all of your debts simply relieved. Debts are more likely placed in a repayment plan with courts relegating a percentage of your income to each debt. The problem with this is that you can make deals with your creditors to make payments yourself without damaging your credit as much as a personal bankruptcy would do.
Even if it takes some hard work and effort, researching your financial options is of utmost importance for making the right decision. Instead of just allowing a personal bankruptcy to affect your credit for years to come, look into the ramifications it will have on your financial future. For instance, it will always affect your ability to get a low interest rate when you decide to buy a home or for many other types of major purchases. The best thing to do is to pick up as much overtime and negotiate with your creditors in order to pay them off. Of course, it will take some extra effort on your part, but your credit rating will thank you for it.
About The Author: Do you need help with personal finance budgeting and money management? Check out our free report "15 Ways To Save Money" at http://answersaboutfamilyfinance.info for more information
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- "Deanna Mascle" <submissions@isnare.net> Mar 23 06:10PM +0800
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Article Title: Financial Planning: Get Answers About Bankruptcy Before Its Too Late
Author: Deanna Mascle
Word Count: 696
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The very word "bankruptcy" puts fear into many people's hearts. For years, the word has been equated with being destitute, being unable to pay bills and being financially insecure. But is that all that bankruptcy is about? The truth of the matter is that many people simply don't understand what bankruptcy really is. For many people, bankruptcy is a way out of a bad situation and a hand up when they need it most. It is also a life changing experience. These questions and answers are designed to teach you about bankruptcy, what it is, what it can do and what it cannot do.
What is bankruptcy?
Bankruptcy is a legal declaration of the inability to pay your creditors. This does not mean you have no money. On the contrary, many people who declare bankruptcy have enough money to live on. Instead, it means that you do not have enough money to match your basic living expenses and pay people to whom you owe money. How much this is can vary from person to person because every person needs a slightly different amount of money to meet their living expenses. Since there is no set amount, bankruptcy is often granted by a judge.
How do I apply for bankruptcy?
Laws very from state to state, of course, but applying for bankruptcy isn't very hard. At its base, it simply requires the filling out of bankruptcy paperwork. This paperwork will ask you about various items, such as your current income and your current assets. Using this paperwork, the bankruptcy judge will decide if you qualify for bankruptcy and how it will work for you. You may want to speak with a lawyer before filling out this paperwork. A lawyer will be able to inform you of what kind of bankruptcy would best suit your needs and will help you identify some of the particulars.
How does bankruptcy help me pay my debts?
There are several different types of bankruptcy, all of which function in different ways. Businesses have several different versions of bankruptcy, some of which are useful for individuals. In general, should you need to file for bankruptcy, one of three things will happen. Either you will be required to pay a fixed amount per month until your debts are paid off, your assets will be liquidated and sold off to pay your debts and you will pay monthly to cover the rest, or your assets will be liquidated and sold off and then you will be absolved of any further debt. With any of these options, creditors can not attempt to collect above and beyond the agreed payment.
What are the most common types of bankruptcy?
The most common types of bankruptcy are called Chapter 7 and Chapter 13. A Chapter 7 type of bankruptcy is a basic liquidation. This is when the courts sell your assets, use the money to pay off creditors, and call it even. After that, creditors are not allowed to attempt to seek further payment. Chapter 13 bankruptcy is rehabilitation with a payment plan. This is the kind of bankruptcy you file if you have steady income. It cancels debts up to a certain date and fixes a payment per month for anything else owed. Under Chapter 13 bankruptcy, assets are not liquidated, but it does require certain amounts of payment every month.
What happens to businesses that file for bankruptcy?
Essentially, the same thing as happens to individuals. Either the business is shut down, their assets liquidated and their creditors paid off or they set up a payment plan and pay a certain amount per month. The only difference is when it comes to Chapter 13 bankruptcy and what is considered "disposable income." For businesses, disposable income is generally taken to mean "profits," although there is still some wiggle room here. Some less than honest business people will quickly give themselves a raise before filing, thus making it look like they make less profit than they do. However, barring small details, it is essentially the same for a business as it is for an individual.
About The Author: Do you need help with personal finance budgeting and money management? Check out our free report "15 Ways To Save Money" at http://answersaboutfamilyfinance.info for more information
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Article Title: Self Help Credit Repair: Second Chance Credit
Author: Deanna Mascle
Word Count: 579
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Many times when people feel that their credit is ruined, they give up all hope of ever trying to apply for anything again. What these people may not know is there are still programs available to help them achieve the things they want without having to worry about credit issues.
Each creditor will set their own standards for deciding whether or not you are eligible to be approved, and their views on your credit history will vary. There are some that will only look at your record from recent years, and some will be more lenient with giving you credit if it appears that your payment history has steadily improved. A good way to determine whether or not you will qualify with a company is to call the creditor directly and discuss their regulations with them. The worst that could happen is that you could be denied, and even though this may be an incredible blow to your ego, you will not be any worse off than before you made the phone call.
Many creditors are open to working out a repayment schedule. However, you should only consider this option if you are unable to work out a schedule for yourself but you feel like you can work under the deadlines of a creditor's budget. There will be no good result if you waste someone's time making them find the best option for you, and then fall behind on your payments again. There are also credit organizations as well as non profit companies that are dedicated to helping people get on schedule with their payments, but try to research these companies before enlisting their help because they are not always trustworthy. You should also make sure that you learn about all of their fees upfront whether they are higher than average or hidden fees. Also, just because a company is non-profit, it doesn't mean that you have to make a contribution. If you were in a position to give money away, you would not be requesting their help. If you are going to get help from a management company, make sure that you find one that will conduct their services in person as opposed to the Internet.
Too often people feel the only way out of a bad credit situation is through bankruptcy. Filing for bankruptcy is not the easy way out at all. When you file for bankruptcy it will take you at least seven years to recover and your goals of buying a house or a car will be even further out of reach. In October of 2006 a new amendment was added to the bankruptcy laws stating that everyone filing for bankruptcy must seek credit counseling within six months of filing. If you think about it, it might be worth your while to seek the counseling and learn how to better manage your credit rather than file for bankruptcy and postpone the inevitable.
Although you think your future credit looks bleak, you have to remember that there are steps you can take to fix your credit and get it back on the right track. Whatever you do, don't give up. Rather than hide your head in the sand or look for the easy way out, make an attempt to fix your credit, whether it's through counseling or other means. If you do that, then somewhere along the line someone will be willing to take a chance on you again.
About The Author: Deanna Mascle shares more advice at her site Credit Repair at http://answersaboutcredit.com where you can also download the free ebook "What To Do When Your Credit Goes Bad"
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Article Title: Homeschooling Benefits Both Parents And Children
Author: Deanna Mascle
Word Count: 449
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Parents choose homeschooling for many different reasons. Some families want to build up their family ties; homeschooling offers the parents freedom to create and pattern individualized and specific curriculum, safety reasons, peer pressure and discontentment with the school system.
Homeschooling moms and dads devote a lot of time guiding and working with their kids, usually having the feeling that modern fast paced living is ruing the closeness of the family.
Family undertakings and activities like shared chores, group projects and games are consistent elements of the homeschool plan, wherein these families benefit from the quality time they devote to each other. Parents believe that homeschooling reinforces the family and permits the children to formulate their own personal decisions and choices without the influence of peer pressure.
One doesn't have to have or acquire a remarkable educational attainment or background or have plenty of money in order to be successful at homeschooling. Studies show that parents who merely finish high school or even less can do a good job in educating and teaching in homeschool as those parents with education degrees.
The structure that you want for your child's educational knowledge and involvement will be determined whether you settle to teach from a "homeschool curriculum" package or an unstructured homeschooling approach, offering individualized and flexible time, allowing you to teach subjects in accordance to the child's development and interest; the quantity of unit or hours of learning per subject would be entirely to your own judgment.
Homeschooling permits the parents to adapt and customize the curriculum according to the child's learning capabilities. Children needing extra time to spend developing their math skills will be provided with that time, by cutting the period of time spent on subjects that the child is progressing well on so that he/she can have ample time to spend in his weak area.
In addition, parents can also construct the curriculum to meet the child's personal learning style; some kids' learn best through hearing, others through reading, and others are hands-on learners. It is only in homeschooling that children can go into and investigate subject matters in such a manner that they "learn best".
Homeschooling benefits are only as restricted as to the parents' own imagination and creativity. As the child's parent, nobody is more familiar with what informative interests your child holds and only in a homeschool and as a teaching parent can you can find out and establish the time required to be used on any subject for your kids to complete and accomplish with the understanding and support that they truly deserve.
About The Author: Are you considering home schooling your family? Then check out the free "Parents Guide to Home Schooling!" at http://childrenlearnmore.info
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Article Title: College Search: How To Solve Your Dilemma On College And College Degree Selection
Author: Deanna Mascle
Word Count: 455
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Deciding to go to college and finish a degree is a life-defining move. You must agree that the choices you make in this stage of your life will most definitely affect your career path and your future in general.
Since this is so, be sure to read these tips in choosing the best college degree:
1. First, you must know what your skills are, academically speaking, that is. Are you mathematically-inclined? Or are you much better in the languages and science? You see, it would be a nightmare for you to take up law when you are much more interested in, say, writing.
2. If you can, sign up for internships so that you can get a 'feel' of the work environment in each college major option that you have.
3. Aside from your skills, choose a course that offers flexibility when you start job-hunting. Is this course that you're deciding to take up gonna require more training before you are hired?
Now that you have some degrees in mind, the next level is to choose the college that you will attend. Here are, again, some tips in choosing the best colleges that would offer your chosen field:
1. First, be certain if you would rather attend a college near your home or one that would take you miles away from family.
2. Consider if you would want a big and famous university or a small and private campus. Your personality would dictate this. If you are the type that likes crowds, then go for the university that offers it all. If you are more of an introvert, then, by all means, go for the college with less population.
3. If you are sports-oriented, be sure to check out campuses that offer gyms or outdoor fields that can support sports of your choice. If you are more of a computer geek, there are colleges that offer a much subdued environment that is conducive to learning.
4. If you belong to a different denomination, as much as you can , look for a university that supports your belief or, at least, respects it. For example, Mormons have the Brigham Young University which was founded by people that share their belief.
5. The next thing to consider is your budget. There are several public and private colleges in the country. By rule, private colleges are much more expensive than the public ones but that doesn't mean that they provide a less quality in education. Just be able to scout for the right public school.
These tips are just here as guidelines. What matters most is still YOU. What does your heart dictate and crave?
About The Author: Are you considering a college degree? Are you on a college search? Then check out the free ebook "Selecting Your College & Your Degree" at http://answersabouteducation.com
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Article Title: Do I Need A College Degree?
Author: Deanna Mascle
Word Count: 440
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"I don't think I'll go to college." How many times have we heard that line in TV shows and movies? Countless. But if parents can afford sending their students to colleges or universities, they do. Statistics show that those who pursue further studies after high school are more successful in the real world.
Most companies hire potential employees who have college diplomas. If they come from Ivy League universities, the better. They know there are some applicants who may not have the same education as those of the Harvard and Princeton graduates yet possess street skills. They are also hired, as long as they have certificates from colleges or an associate degree.
That is the exact reason why people are finding ways to afford colleges. Parents are already saving up while their children are still young. They apply for trust funds and education plans.
Unfortunately, some parents can't afford colleges. There are those who aspire to step into a college or a university, thus they make it happen themselves. They are working students.
There are also men and women in their mid 30s or 40s attending night classes to get a diploma or certificate. They know that this piece of paper is crucial in the professional world. It will give them an edge when they apply for a certain positon in a big company.
There is a demand for higher education. Whether it be from a private college, public university, vocational institution or community college, as long as the student has the papers showing that he pursued further studies, a business establishment is more interested with his potential.
"Why do I need a college degree?" This is the question most high school students ask. This question is often answered by the fact that men and women who went to college or obtained an education similar to it (associate degrees, night school, online degree, college or state campuses) earn more money than a high school graduate.
Imagine this. One year of college already empowers the individual to cash in more money each year than a person who completed all four years of high school.
So if you are thinking of pursuing a career, you must already save up for the future. Colleges take up a whole lot of preparation. If you have parents who can cash you on with this plan then you are lucky.
If not but you are determined, start handing out your resume to part time opportunities now. It's an investment worth taking for a better future.
About The Author: Are you considering a college degree? Are you on a college search? Then check out the free ebook "Selecting Your College & Your Degree" at http://answersabouteducation.com
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Article Title: Preschool: Toddler Innocence Or Wisdom?
Author: Deanna Mascle
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Innocence: It is an absence of guilt; harmless; freedom from evil; lack of worldly experience; not recognizing the harmful intentions of other. This is the definition of innocence according to the Encarta Dictionary. These days it's difficult to find true innocence in the world, but if you have ever watched a month-old puppy sleeping or gazed into the eyes of a toddler-aged child you can still see it. At that age, everything is new and exciting, not routine and boring such as for the rest of us who have become jaded over the years.
Little kids, especially barely verbal kids, watch and listen to everything. All kinds of things fascinate them; the graceful motion of goldfish, the gentle waving of tall grasses, the color yellow, and the bouncing of a beach ball. All the things adults take for granted, toddlers find endlessly amazing. They believe everything we tell them; they have no concept of lying, or even fanciful jest. Myths, childhood legends, make-believe, wonderful fantasies of all sorts and even bogeymen that lurk in their closets at night are all real to them. Kids believe it just because we say it. Like the sleeping puppy, their total absence of guile seems to last such a short time! This innocence seems to vanish within the first few years of their lives, never to be reclaimed.
What takes the place of childish innocence? We can only hope that it is wisdom. As children learn the ways of the world, this knowledge can sometimes be disappointing. There's no such thing as Santa Claus or Superman. The tiny puppy grew into a big dog that bites if its ears are yanked. Grandmother died - she isn't "sleeping." And there are monsters, but they don't live in the closet at night; they are teachers and babysitters and the nice man next door who has some strange pictures of naked kids.
As their innocence is depleted, little kids simply accept the world as it is, not as it should be as adults often do. This is another example of a child's wisdom; things are what they are. A hurricane blew our house away. Some people who live far away don't like us, and they hurt a lot of people in New York. Many people, even kids, get really sick and they go to live with God where they won't be sick anymore. My Mommy and Daddy don't live in the same house.
Strange, isn't it? Even when they know the truth, little kids still have the wisdom to tell it like it is and cope with it, whatever "it" may be. They don't have ulcers, drink too much alcohol, or brood about ways to take revenge on someone who hurt them. They trust that they'll have food to eat and clothes to wear. They don't worry about paying the mortgage; they just put their toys away before bed like Mommy said. As adults, it seems incredible that we too were once as innocent as our youngest children are now. Then life happened - so did divorce, addiction, unemployment, war and illness.
Only a foolish and cynical adult would carelessly shrug and say, "That's just how it will be for them, too." We hope our children will inherit a better world, but we know they probably won't. As they gracefully surrender the innocence of youth, they inherit the wisdom of the years. If our toddlers can do this without becoming jaded, angry and bitter, then this is wisdom indeed. In the end, perhaps they are still innocent.
About The Author: Deanna Mascle shares tips and strategies for Preschool Education and Preschool Learning with her free preschool education newsletter at http://preschoolerslearnmore.com
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Article Title: Debt Consolidation: Debt Relief
Author: Deanna Mascle
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Mortgage, cell phone, car payment, insurance, cable, household utilities and various other loans can all add up and be difficult to keep track of. Before you know it, you feel like you're doing nothing but paying bills and feeling like the items you own, own you. It's a cycle that never seems to end and only gets worse over time. One way to keep a cap on this is to consolidate your debt. There are a few ways you can manage your debts by consolidating them into one lump sum to save you money.
You can consolidate by using credit cards. The goal is to take all of the credit cards that are currently in your possession, and try and find the lowest interest rate between all of them. After you find the lowest issuer, try to transfer all of the balances over to one credit card. You will have one large balance, instead of ten semi-large ones, and you will also only have one payment to make a month. You can also apply for a new card and make a transfer so that you only have two cards, with obviously two payoffs. However, be careful when applying for new cards. Too much credit can equal a lower rating for your credit score.
Another method you can use is a home equity loan. With this kind of loan you can borrow against the value of your home with a fixed amount of money for a standard period of time. Usually these loans will offer lower rates, lower payments, and their amounts can be tax deductible if you itemize. You may also choose to refinance your home and take out money in order to pay for some of your bills. There is also another type of loan called a personal security loan. This loan can be tricky because the only thing that you are offering for a guarantee is yourself. These loans are more risky so it is likely that the loan will be more expensive, and you will be repaying on that loan for an average of 10 to 15 years. The personal loans can be harder to get if you have a substantial amount of debt.
You may seek counseling for your debt, but a credit counselor is not going to consolidate your debt, rather they will work out a feasible payment schedule for you to follow. You will make one payment to the credit agency and they will turn around and pay your bills. However, most do not offer this service for free, so make sure that you are unable to get your act together before enlisting the help of a professional.
Today many people choose to have a debt settlement company speak to creditors on their behalf. When using this option you stop paying your bills and the creditors contact your debt settlement company instead of you. Then the two sides will negotiate a way to reduce the amount of your balances, sometimes up to as much as 50%. With this option people often find that they are out of debt within two years.
When it comes to being in debt remember that you are not the first, nor the last person to be in a tight situation. Before debt totally consumes your life investigate some of the more common solutions to managing your finances. Try to find other people who may have gone through the same thing you are experiencing and see what they did to get themselves out of debt.
About The Author: Deanna Mascle shares more tips about living with debt at her Debt Solutions site at http://AnswersAboutDebt.com where you can download the "Free Guide To Debt Relief"
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Article Title: Credit Card: Do It Yourself Credit Repair
Author: Deanna Mascle
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Trying to keep your head above financial waters can be difficult. All you know is you have gotten yourself into a sticky situation and you don't know how to stop or fix it. Where do you begin to look for help? Is there an easy way out of this financial hole you have dug for yourself? The best place to look is to yourself and not to the many scams that are out there today.
Everyday your email is bombarded with quick fixes and miraculous claims from companies saying they can guarantee the removal of bad credit. They offer countless ways around the legal system in order to give you shiny new credit once again. The best thing you can do is toss that right in the trash. However, if you feel that you have found a legitimate company there are a few things that you need to watch for.
If a company does not give you all of the information on your own personal legal rights, or if they don't explain that you can do things for yourself for free, they are probably an irresponsible company. If someone tells you that you cannot contact a credit report company directly, they are lying. If anyone asks you to pay for any sort of credit fixing services up front, they are scamming you. If a company tries to get you to make up an identity and apply for an Employer Identification Number instead of your Social Security number, make sure that you like them because you will probably be sharing a prison cell with them.
The truth is that no one has the capabilities of removing anything negative from your credit report. You may dispute something in your credit report, but you can't have someone go into the computer system and erase it. The point is simple: everything that a credit repair service can do, you can do for yourself. The issue then becomes whether or not you want to do it yourself.
Everyone is entitled to a free credit report if you have run into problems like being denied for something like insurance, or employment. You do have to ask for the credit report within 60 days of denial though. If you are unemployed, on welfare, or if you are suspecting identity theft, you are entitled to one free report a year. Certain companies are required to fill this free request such as Equifax, Experian, and TransUnion to name a few. If you decide that you need an additional copy of your credit report before 12 months, you will have to pay a $9.50 additional charge.
The only way to stay out of debt is to remain vigilant and stay on top of your payments. Some people will employ a company to keep an eye on their credit reports for them as an added security measure. A company like Equifax will check for mistakes or signs of identity theft, and keep your records up to date for you. There are additional governmental resources that will help you determine how to fix your credit. One such easy-to-navigate site is http://www.ftc.gov. Although it is better to deal with your credit repair on your own, it is even better not to have to deal with it at all. The only way you're going to do that is by not allowing things to slide.
About The Author: Deanna Mascle shares more advice at her Credit Repair site at http://answersaboutcredit.com where you can also download the free ebook "What To Do When Your Credit Goes Bad"
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Article Title: Pursuit Of Happiness: Having The Ideal In Life... Just Imagine!
Author: Deanna Mascle
Word Count: 592
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For most of us the finding true happiness means a search for an ideal life.
Ideal. It lives in your imagination and seeks to express itself in your life. Nurture your ideal. Let it breathe in your soul.
You can always be an idealist by believing in the plausibility and possibilities of imagination. Like John Lennon who said, "reality leaves a lot to the imagination," be a dreamer.
Imagination revealed things in various science fiction stories never existing before that are today common place. Imagination fueled the work of Albert Einstein. Imagination makes hope and faith tangible.
We can create paradise on Earth. Want to live forever? Want to never get sickness or disease? Want to eradicate poverty? We'll invent a way! For every problem there is a solution. We are inventing new things all the time, and at a more and more accelerated rate.
"If your mind can dream it and believe it, you can achieve it" is a popular saying. It reminds us that we have control and mastery. Can you dream? Can you believe? Of course we can. It's child's play!
Imagination lets you savor and have gratitude for every moment of your life and turns negatives into positives. Believing that everything happens for the greatest good makes everything an ideal situation. So you can always be in an ideal situation, thanks to your imagination.
Do you ever notice that we have a knack for creating our own truth? Do you see the truth of that situation? Ever notice how our prophecies and predictions get fulfilled? How expectations meet us at our level of expecting? Makes for good reason to expect the best!
Imagination can fill in all the places where we are lacking. So dream it to be it, that's what thoughts are for. Who could ask for more?
Beauty is in the eye of the beholder. All of life can be beautiful if seen through the eyes of love. Our vision, as well as all our senses, are an extension of feeling. Feel love and you have what is called the rose colored-glasses effect. Something we create for ourselves with our idealist imagination.
Love is there when one only sees perfection. In such a state, it is easy to say that love is all that matters. It is the state of mind of poets, lovers, and dreamers. They practice the art of fantasy, play, discovery, and adventure.
Happiness can be found through creative expression. That is idealism in action. Reality is never static as it is always being shaped. We need not conform to stifling rules and boundaries. We need not be boxed in by limitation. Imagination has no limitation!
Our life is a product of our imagination. Expand your perception and you'll find the world itself expands.
We are knowing and having more and more. We are also having more and more to look forward to. It is because we are growing and evolving. What will we evolve to be? Can we grow wings and fly to heaven? Or beyond?
What is ideal? We may not know yet, but will certainly come closer and closer to not only finding out, but growing into it as well. Use your imagination to think beyond the brink, feel it real, and boldly be. You will achieve the ideal.
Through our finding true happiness we can achieve our perfect life.
About The Author: Learn more about the Pursuit of Happiness and Finding True Happiness at http://smilesbydawggone.com where you can download a free ebook about Happiness
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Article Title: Rule Of Four: What You Need To Know About Small Business Financing Credit Cards
Author: Ellene Bauer
Word Count: 639
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Money is not everything. There are travelers' checks, money orders, and credit cards. When you start your own business, there's a way for you to obtain much-needed capital, too. This way is called small business financing credit card.
Small business financing credit card, also known as small business starter credit cards, is a great way to keep your personal and business finances separate.
Personal Credit Card Versus Small Business Financing Credit Card
In the past and even at present, lots of entrepreneurs rely on their personal credit to get their business up and running. The problem with this is that they carry the debt from their business into their personal credit cards. Ultimately, they end up hurting their personal credit scores.
This is where small business financing credit cards come in. They offer higher credit limit. Additionally, they keep business and personal expense separate, thereby making it painless to track tax deductions. More importantly, you may write off your small business financing credit card's finance charges and annual fees.
Why Get a Small Business Financing Credit Card
1. Build Credit
A small business financing credit card is a good way to build a financial history. Your business is a start-up; it's unknown. This makes it difficult for your business to obtain loans. A small business financing credit card will remedy this. It will provide banks with the spending footprints they need to reassure themselves you're a responsible borrower.
2. Avoid Intermingling
When it comes to managing your expense, there's one thing you should always do. Segregate, segregate, segregate. Do not mix business and personal transactions. This might later on create tax and money management problems.
3. Prevent Shoebox Accounting
It is always a nightmare to track business expenditures. With a small business financing credit card, however, you can turn the nightmare into one you can easily snap out of. Your credit card company will provide you with a year-end statement where you can find your transactions summarized, itemized, and categorized. With such a report available, there's no need to keep a shoebox stacked with receipts.
4. Special Rewards
The credit card industry is so competitive providers fall over themselves to lure borrowers. Accordingly, a reward and discount program for small business credit card users was developed. Every time you use your small business financing credit card, you qualify for discounts and rewards, ranging from office supplies and plane tickets to phone services.
How to Manage Your Small Business Financing Credit Card Effectively
Credit cards, whether personal or corporate, will always be open to potential abuse. Effectively manage your small business financing credit card by:
1. Limiting card hopping
Sure, you qualify for multiple cards, but this does not mean you should sign up. You shouldn't. This will only tempt you to overspend. It will hurt your credit rating, too.
2. Steering clear of cash advances
Never use this credit card feature unless you need to bail yourself out of jail. It comes with whooping credit card fees and interest costs.
3. Avoiding late payments
The more delinquent your payments are, the higher the fees and interest rates you would be saddled with. Moreover, late payments hurt your credit reputation.
4. Using grace
Many companies offer a 21-day grace period to clients before asking them to pay for purchases. Turn this to your advantage by drawing up a schedule of your purchases and payments.
Use your small business financing credit card prudently. Remember, credit cards should be a financial safety net, not a trap.
About The Author: Planning to get small business financing credit cards ( http://www.creditcardmonitor.org/business.php )? Visit http://CreditCardMonitor.org now and learn more about low interest fixed rate credit cards ( http://www.creditcardmonitor.org/lowinterest.php )and credit card application online approval ( http://www.creditcardmonitor.org ).
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Article Title: Best Balance Transfer Credit Cards May Save Your Life
Author: Ellene Bauer
Word Count: 687
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Having a credit card can give you a false sense of security. Somehow you find yourself being lured to make purchase after purchase by that little piece of plastic between your fingertips. It's a very common scenario. And if you are a part of the working class, it's not likely that you will be able to afford to pay your balance in full. So you find yourself paying the minimum amount due printed on your statement every month, only to find out months later that you're not that far from where you've started.
The reason for this is high interest rates compounded on top of your outstanding balance. Some credit card companies charge interest of up to 18%. And if you are only paying minimum, or slightly above minimum, you just can't win. Its time to think of an alternative and that is finding the best balance transfer credit cards.
What Is a Credit Card Balance Transfer?
Simply put, a balance transfer means moving your debt from one credit card to another. This is a very good way of saving money. If you have more than one credit card, you can even consolidate your debts by transferring all your outstanding balances to just one card. Many credit card companies offer an interest-free period, making them the best balance transfer credit cards. There are also some offering considerably lower interest rates than what you are putting up with.
How Does It Work?
A credit card balance transfer is pretty straightforward. All you need to do is apply for a new credit card. Once approved, you can give the details of your old credit card to the new issuer and they can transfer the balance for you. If your new credit card has an online banking feature, you can even do the transfer yourself. Of course, you have to do your research and find the best balance transfer credit cards that fit your needs.
How Can I Find the Best Balance Transfer Credit Cards?
Research might be painstaking but it can help you find the best balance transfer credit cards. Find a credit card that would let you transfer your outstanding balance from your old card with a 12-month 0% annual percentage rate, or APR. Also make sure that the new credit card offers low interest rates after the period is over.
Read the Fine Print.
If you plan to make purchases with your new credit card, be very careful. Even if they have a balance transfer rate of 0%, most credit cards still offer the standard, and sometimes even higher, interest rates for purchases. Any payments made goes towards your balance transfer. As a result, interest is compounded each month until your balance transfer is paid in full. The best balance transfer credit cards offer 0% or low interest rates for both the balance transfer and purchases. Also be aware that some credit card companies will charge a transfer fee for every balance transfer.
Protect Yourself.
Once you have chosen the best balance transfer credit cards for your needs, don't be too cocky to take further precautions. Where money is concerned, there are a hundred and one ways for things to go wrong.
• Do the balance transfer as quickly as possible. Most credit card companies have a limited period for you to take advantage of any promotions.
• If the approved credit limit is not high enough for your outstanding balance, just move what you can. Most people make the mistake of not using the new credit card because the credit limit is not high enough.
• Even with an interest of 0%, it is still debt. Always pay at least the minimum amount required to avoid penalties, or worse, losing the deal offered by the best balance transfer credit cards that you chose.
Manage your credit cards responsibly, or else you just might create more debt without a way of paying for it.
About The Author: Interested in best balance transfer credit cards ( http://www.creditcardmonitor.org/balancetransfers.php )? Visit http://CreditCardMonitor.org today and find easy to get credit cards ( http://www.creditcardmonitor.org ), particularly zero interest credit cards ( http://www.creditcardmonitor.org/lowinterest.php ).
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Article Title: Visa Student Credit Cards: Plastics With Lessons
Author: Ellene Bauer
Word Count: 538
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When you're 18, beautiful, and restless, what could be headier than vast spending power at your fingertips? The answer is none, and this is precisely why visa student credit cards are so popular and addictive.
With visa student credit cards, college students can easily swipe their merry way into a mile-wide list of purchases.
The Benefit
Visa student credit cards are highly popular because they're handy. You can use them to pay off student loans, for example, or gas up your convertible. You can use them to buy groceries, articles of clothing, furniture, and even plane tickets! Statistics show that the average college student owes at least $60,000 in student loans payable. Because no part-time job pays this much in a year, or even in five years, visa student credit cards are typically seen as manna from heaven.
The Catch
Even manna from heaven, however, comes with a catch. Consider this scenario. You are a student. You like something. You take out your credit card and swipe away. You go home crowing with glee over your purchase. If you think the story ends here and this way, you are sadly mistaken. Many college students forget that credit and payment go hand in hand. They buy and conveniently forget that what they take now, they would have to pay for later.
The fact that visa student credit cards grant their owners huge purchasing power only makes it worse. You would find it so much harder to restrain yourself from charging this and that.
Swiping Responsibly
If you are among those with visa student credit cards, make sure you avoid falling into debt by doing the following:
1. Pay on time.
If you have plans of moving, notify your credit card provider so they can update your contact information for you. Credit card bills frequently get lost due to errors in addresses. As much as possible, do not fall behind your payments. Some providers charge as much as $30 for late payments. Additionally, they bump up interest rates, too, if you miss one payment too many.
2. Do not ask for extra credit.
Extra credit will only lure you to borrow more. What you should do is look for visa student credit cards that come with a restrictive credit line. A restriction on your credit line, ranging from $500 to $4,000, will discourage unnecessary purchases.
3. If you don't want a restrictive credit line, why not secure a secured credit card instead?
The best thing about a secured credit card is that your credit limit hinges upon your savings at a certain bank. So, you never end up spending money you do not have.
4. Do not go crazy over cash advances.
If you think they have the same rate as your swiped purchases, think again. Cash advance interest rates are typically higher.
Visa student credit cards should work for you, not against you. The ultimate purpose of your visa student credit card should be to rescue you in times of need, not push you into huge debt.
About The Author: Interested in student visa credit cards ( http://www.creditcardmonitor.org/student.php )? Learn more about credit cards for teens ( http://www.creditcardmonitor.org ) and low interest credit card application ( http://www.creditcardmonitor.org/lowinterest.php ) when you visit http://CreditCardMonitor.org today!
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Article Title: Making Sense Of Those Car Insurance Policies And Terms
Author: Joseph Kenny
Word Count: 528
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When it comes time to get auto insurance for your car, you will be faced with a number of decisions about the various types of available insurance. Basically, there are six different parts of an insurance policy. Some of them are mandatory when you purchase car insurance, and some may be optional. Here is a brief explanation of the different types.
Collision Insurance
This is the part that allows your car to be paid for when you get in an accident. If you were to hit another vehicle, have another vehicle hit your car, or you hit another object (such as a tree), then the damage to your vehicle is covered. It also will cover your vehicle in the event of a rollover, too. There are some exceptions, such as stunts and racing, which will void your being covered during those events.
Comprehensive Insurance
This coverage will protect your car in those events that are not listed under Collision Insurance. This means that if your car were caught in a fire, flood, is vandalized, stolen, or damaged by falling objects, then it would be covered. For older cars, you probably should just drop this part of your policy.
Medical Payments
This part of your policy provides medical coverage for any bodily injuries to you or your passengers while you are driving. It also covers people who drive your car with your permission, or you and passengers when you are driving someone else's car. Funerals are covered, too, in the event of any deaths that may occur. It may also be called Personal Injury Protection in some states.
Bodily Injury Liability
Whenever you get sued because of a bodily injury or a death, then this part of the policy covers you. There are a number of exceptions under this part of the policy as to who may not be covered and under what circumstances. It would be a good idea to familiarize yourself with them - or the liability for a lawsuit may fall on your responsibility unnecessarily.
Property Damage Liability
Any property that becomes damaged as a result of your driving, or if your vehicle is driven by someone that you gave authorization to, it is covered under this part of the car insurance policy. This part is usually written together with the Bodily Injury Liability.
Uninsured Motorist Coverage
This is for that other guy who did not bother to buy car insurance. With more than 25% of motorists being uninsured in some states, you definitely need this. It will also cover you in the event of a hit and run driver. It is not available in all states.
Each of these sections of your policy can be adjusted by you in order to lower your car insurance rates if necessary. Ask your insurance agent what the recommended limits (legal) amounts are, and go from there upwards. You should seek to have these minimums - and more, if possible. You can also reduce your insurance costs by raising your deductible amount to $500 or $1,000.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.nationsfinance.co.uk/insurance/ and also http://www.insure121.com
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Article Title: What Can You Do In Advance To Get A Better Mortgage Rate?
Author: Joseph Kenny
Word Count: 555
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When it comes time for you to think about getting a mortgage, you should know that there are some things that you can do to help yourself get a better deal. In most cases, they can be performed over a few months, but will prove their worth in savings over the term of your new mortgage. Here are some of those things.
1. Look Over Your Credit Scores
You need to get a copy of your credit report from the big three (Equifax, Experian, and TransUnion) and look them over for wrong entries. It is not uncommon for items to be mistakenly reported on a credit report. It will only take, however, one item to adversely effect your credit score. Bring it up to where it should be by trying to correct anything that is not where it needs to be.
2. Raise Your Credit Levels
If you find that your credit really is not at the level where you feel it could be, take some time (if you can wait) and raise it. This can be done through credit cards that report to the credit bureaus, taking out short-term loans and paying them off on time and quickly.
This could be a key factor in getting a mortgage worth having. The interest rate that you will be able to get is largely based on your credit scores. Generally all three scores (or more) will be averaged and that is the figure that the lender will base the calculations on.
3. Reduce Your Total Indebtedness
It is always a good idea to reduce your indebtedness before applying for a mortgage. While you can have indebtedness, and even bad credit, you get the best rates when your indebtedness is about 28% of your income or lower. Having more than this will limit the size of your mortgage possibly more than you want. While it may be possible to get a different kind of mortgage, such as an ARM, it may not be the best in the long run - depending on what kind.
Reducing your debt will prove your ability to pay. You can pay off some credit cards and other small debts by consolidating them with 0% APR interest credit cards for their introductory offer, but you really don't want to close all of those credit cards. Leaving one or two open, perhaps even with small balances, could be more helpful to your credit rating than closing them all down.
4. Get A Larger Down Payment Ready
This will help you tremendously by reducing the overall amount that you need to borrow. The more that you can put down means that you are less of a risk to the lender. They will trust you more and give you a lower interest rate. Your goal should be somewhere in the vicinity of about 20%, if possible.
Another way to save when you actually start shopping around for your mortgage is to compare a number of mortgage quotes. Look for the best deal after you understand the terms and your various options. Even if you do all of the above to help get the best rate, you could lose it simply by signing on to the wrong deal - so be careful.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk/mortgages.html and also http://www.nationsfinance.co.uk/mortgages
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Article Title: Why Using A Mortgage Broker Can Save You Money
Author: Joseph Kenny
Word Count: 538
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Being able to get the house you want should make you happy as a lark. But what if, after you move in, you find out that you may have been able to get a much better financial deal than what you got? Would you still be as happy as a lark? It is quite possible to get the best deal in the first place by using a mortgage broker. Here is how a mortgage broker can save you some money.
It needs to be stated from the start that a mortgage broker will not always be able to get you the best deal, but could, probably, in most cases. So many people, however - too many people, in fact, are still accepting the first offer they are given for their mortgage. Getting that good deal, however, takes more than just comparing loans.
A bank lender will only be able to offer mortgage products that their own bank creates. These products, of differing values, are limited. Sometimes a lending agent may not want to compare the different products his or her bank offers in order to find an exact match for your needs. At other times, a bank agent will work very hard for you.
A mortgage broker, however, only gets paid when a sale is made - in other words - when a mortgage is signed. This means that it is in their best interests to get for you a highly competitive deal. They deal with many different lending companies on a regular basis and know what each of them are willing to do - in the very recent past. When you contact a mortgage broker, there often will not be any fees. They will then get your information from you and send it to several companies that they think will give you a very competitive offer.
Another benefit comes from the way that they perform their services. A banker will give you a more institutionalized service, and your interaction with him or her will be more formal. A mortgage broker, however, will be glad to take more personal time with you, making you feel more welcome and will probably spend more time with you and for you. In fact, he or she may even come to your house.
Mortgage brokers have access to mortgages at a slightly less price than a banker might provide. This is because they deal with wholesale prices rather than the retail. Their service offered to lenders means a savings for the lender because the lender does not need to maintain sales staff – except when a sale is made.
Even when there may be a problem with your credit, the value of a mortgage broker can really be seen. Because they know many different lenders and each of their specialties, they can work to find lenders that can give you a great deal. They would already know which lenders regularly give money to those with bad credit – or whatever special need you may have. A bank representative, however, while still able to offer a number of products, is limited to only what their branch offers and the special deals they give.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk/mortgages.html and also http://www.nationsfinance.co.uk/mortgages/
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Article Title: How To Buy Home Insurance
Author: Joseph Kenny
Word Count: 582
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Before you can settle on that house you want to buy, you will have to provide proof of home insurance. Your lender will require it, and truthfully, it is in your best interest - unless you can afford to buy another one with cash. Like any other product, though, there are a wide variety in prices and content, so it will pay you to shop around. As you do, here are some things that will help you choose a good one.
Calculate How Much Insurance Is Needed
Before you even start to find out how much home insurance will cost, you need to know just how much you need. This means you will need to take several things into consideration in order to arrive at how much you need - or want. You will buy home insurance at different levels of protection. Some policies may only cover loss in the event of a dozen possible situations, but more expensive ones may provide for 18 or more types of potential disasters.
There is also a difference in covering a home's value and providing a replacement value and you will need to select one or the other. Generally, if you insure the value of your home, you will only receive up to that amount. If your home or possessions, however, are replaced - this is better. For instance, assume you had a wide screen TV that is now 5 years old. By choosing to receive the value, you would only get the equivalent of a 5-year-old wide screen TV. Replacement value, on the other hand, would ensure that you received a new wide screen TV of about the same cost as what you paid for the original one.
In order to cover the value of the contents of the house, this will mean a careful inventory. For best results, it means using a digital camera, or movie camera and go through the house completely. Get each item so that the quality of the item can be seen - not just described. Also, go through the closets, the cupboards and everything.
Shop Around
Once you calculate how much home insurance you need, then you need to shop around. Many homeowners do not take the time to look around at the various offers and end up paying much more than is necessary. Some home insurance companies will charge a lot more for the very same product. By getting several quotes first, you will be able to pick and choose not just the cheapest one - but the one that actually will be the best for your situation.
Consider Buying From Your Car Insurance Dealer
This could be a good way to knock off a few more bucks each month. Most insurers will give you a discount if you carry more than one policy with them. Before you sign, though, you still will want to do a comparison with offers from other insurers. It still may be possible to find a much better deal some place else. You will never know how much
you could save each month, until you look around.
After you get your estimates, you may need to make some adjustments in order to bring the cost down. Be sure that you do not add the value of the land (no one is going to steal it), and you may want to increase your deductible up to $1,000.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.insure121.com and also http://www.nationsfinance.co.uk/insurance/
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Article Title: Is An Interest Only Mortgage What You Need?
Author: Joseph Kenny
Word Count: 529
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Interest only mortgages are becoming more in demand - now that people are learning about them. Recent changes have made them more popular and it could be just the thing that you need. Here are a few tips that will help you determine if you should get an interest only mortgage.
Interest only mortgages give you the opportunity to buy a larger house than you might be able to obtain otherwise. They have an initial period of from 5 to 10 years in which the interest only is being paid. During this time period, your payments are lower because you are paying interest only. In a regular mortgage, each month normally includes some of the principal involved in the payment, and this slowly reduces both the principal and the interest.
An interest only mortgage is often attached to an adjustable rate mortgage, but can just as easily come as a fixed rate mortgage. If you get an interest only mortgage on an adjustable rate mortgage, it will enable an even greater reduction in the payment each month.
The actual idea of an interest only mortgage is a little deceiving. For one thing, there is no such thing as an interest only mortgage - you must pay the principal at some time. This mortgage is generally divided in two sections – the first part being interest only with smaller payments, and then it changes to a fixed rate mortgage with payments that will enable a full amortization.
The individual that is best suited to this type of mortgage is someone who is on a short road to success - or at least believes they are. Not having all the money they need up front, they need to get a larger house, but are quite sure that their financial situation will rapidly be improving - soon. The lower initial payments gives them the opportunity to buy a larger house and the soon coming larger salary should come before the payments increase.
Many are now using an interest only mortgage to get the larger house, but have no real prospects of a larger salary. This could certainly lead to trouble with this type of mortgage. After the interest only mortgage changes to a fixed portion, and you start making payments on the principal, too, what happens is that the payments will now jump much higher. The payments were lower in the first place than what they should have been, but now the balance must be paid in the remainder of the time left.
If you are an investor and know how to take the extra portion of what would be your regular payment, and invest it for a higher return, then this could work well for you. Otherwise, it is probably just a good idea to make a full payment as often as possible, so that you can start reducing the principal before your full payments kick in.
When getting any mortgage, be sure to compare it with several other offers. This way you can see what is available, compare it, and find your best deal on an interest only mortgage.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.ukpersonalloanstore.co.uk/mortgages.html and also http://www.nationsfinance.co.uk/mortgages/
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- "Joseph Kenny" <submissions@isnare.net> Mar 23 03:31PM +0800
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Article Title: Cash Back Credit Cards - Are They Worth It?
Author: Joseph Kenny
Word Count: 540
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There are a lot of people trying to get a cash back credit card - but are they for real? The lure of getting cash back has a lasting appeal, especially in days when people are feeling a financial pinch. But are they really worth what they promise? Here are some ways you can make sure that you get a real deal when you apply for yours, plus some tips on things to watch out for.
Know How To Use Them
Credit cards are of the most value to those who know how to use them. This means that you can get the most benefit from a card simply by not leaving a monthly balance on the card, and by making payments on time. So if you can follow those two simple rules, then you can qualify to get the best benefits from a cash back credit card.
Choose A Type Of Card
Every one has a certain type of credit card that they can profit from the most. For instance, a gas card will profit those the most that drive a lot of miles each month, and need to maintain a car, or spend time in a hotel. This is because the points that are given for your purchases can be used toward hotels, and you may get the most cash back for your purchases of gas. Some gas cards will even give you points for car maintenance expenses, and possibly the points may even be applied toward buying another car. A card that is selected for your greatest monthly expenses will give you the most benefits.
Also, see how much of a percentage of cash back is given toward your more ordinary purchases - like food, medicine, and gas (if it is not a gas card). This can go anywhere from 1% up to 6 % for some products. Obviously, you want the highest percentage you can get.
Get One With Balance Transfers
This feature is especially important if you have balances on other credit cards. You can transfer them to your new cash back credit card and enjoy a 0% APR balance for up to 15 months. This gives you great savings in interest and can help you to reduce those other credit card debts, if you will pay the same amount on the new credit card.
Don't Lose Your Rebates To Fees And Interest
This is one way that many people lose their benefits. Not comparing the various features listed in this article, and following its advice will often reduce their benefits reduced to a big fat zero - or less. Although they will get some rebate checks, they need to add up their late fees and interest for each month in order to determine if it really is good deal.
Choose a cash back credit card with a low rate of interest, no annual fees, or a lot of other fees. In addition, remember that by using it right, you also are building up a credit score - one that will allow you to buy the big purchases - especially if you don't have all your credit cards maxed out.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.creditcardstore.co.uk and also http://www.cardguide.co.uk
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Article Title: How To Calculate How Much Home Insurance You Need
Author: Joseph Kenny
Word Count: 567
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Buying home insurance is a good investment. The primary reason is that you just never know what can happen, and having that coverage may be the single factor that can prevent financial ruin. Knowing just how much insurance is needed, though, may be a little tricky. Here are some tips on how you can protect your home and possession with the right amounts of home insurance.
Start With The Value Of Your Home
Knowing how much you home is worth when you buy home insurance is a good place to start. Then you will need to know the two ways to insure your home. The first way is to insure your home for a certain value. This means that you insure it for a specified amount - say $150,000. You cannot receive any more than this value for a claim.
The other way is to insure it according to replacement value. This method will enable you to get an amount equal to what it would cost to replace the original. This is the better way to go, but, of course, it will also cost more.
Select The Coverage
The coverage that you want will come with some options. You have a choice between being covered for a few things, which may be about a dozen possibilities of calamities, the next level which will have a few more added in, and what may be termed as All Risks. This last one will probably exclude some, though, like floods and hurricanes, and maybe earthquakes - those are usually extra.
In this choice, you will also need to select between actual cash value or replacement value. The terms actual cash value refers to the value of the item when it was destroyed. It also means the depreciated value. This will actually provide you with far less value than the other form, and probably (in most cases) will not give you enough in return to rebuild what you lost. The other form, replacement value, means that your house is replaced the way it was – regardless of what it costs.
Add Your Possessions
The same is true of your possessions. You choose how you want to insure them. Then, you will need to provide a written description of your possessions, and it is best that you also supply pictures. The easiest way to do this is to walk through the house with a movie camera and talk about the main and most valuable items. This includes going through the closets, too, and the basement - anywhere you have anything that you want to be insured.
Home insurance providers will demand that you have at coverage for at least 80% of the value of the house - 90% is preferred. You will need to know at what percentage of the value of your home will things like personal property, outbuildings, boats, etc., be covered for. Also, make sure you have the recommended amount of liability in case
someone gets injured or sues.
Much more is involved in the process of buying a good homeowner's policy, but these things will give you a basic understanding. Shop around for the best prices, and talk to your home insurance agent about how to reduce your cost by things such as alarm systems, fire extinguishers, fire-retardant materials, and more.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.insure121.com and also http://www.nationsfinance.co.uk/insurance/
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Article Title: Is Mortgage Financing Possible With Bad Credit?
Author: Joseph Kenny
Word Count: 551
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Being able to buy that new home is still an option - even if you have bad credit. Lenders are definitely getting softer on their requirements for financing mortgages for those whose credit is not perfect. Here are some things that you need to know about getting your next home financed with bad credit.
The first thing that you should know is that getting the best deals in mortgage financing is only for those who do have good credit. Still, though, there are deals available that can put you into that house.
A zero down mortgage will allow you to possibly get financing and not even have to put anything down. In fact, it may be possible to get as much as 107% of what you need, and that could even include the closing costs. Depending on your actual credit score, this type of mortgage can be obtained with a credit score as low as 580, with documentation. The way it works is to give the borrower two mortgages, a first and a second. Typically offered in an 80/20 or 75/25 arrangement, this allows you to have greater savings since that process will not require private mortgage insurance.
Another way to reduce the payment is to be able to put something down - the larger the better. Although you may want to get a mortgage as cheaply as possible, you can reduce the mortgage payments, and possibly the interest, if you can put something down – even 3 to 5% will make a difference. This will show the lenders that you are making enough to save something, and that you have some control over your spending – which is always a good thing to them.
Other deals will simply include the more traditional type of mortgages. This type of financing for people with bad credit is available even for lower credit ratings than that. Some lenders will extend a mortgage for someone with a rating of 500, and some will probably even go lower than that.
Even though you can get a mortgage on your new home, it may be more important to wait and rebuild your credit first. Although it means holding on to those dreams a little while longer, by rebuilding your credit first, you can not only get a better interest rate, but you can also get a larger mortgage, and lower payments. If you take some steps quickly, rebuild your credit to closer to where it should be, then you can get those rates you want, a nice house, and payments that you enjoy even more. Besides, this could even allow you to have some extra money to do some of those other things you want, too.
Of course, you want to be very careful about the type of mortgage you get. This means that you take the time to learn about the different mortgage types, such as fixed rate and adjustable rate, and also know the terms. Unfortunately, some lenders are looking for people with bad credit, knowing that they may be a little more desperate to get a mortgage, and may do so hastily without carefully reading the agreement, or really understanding what they are signing. Only by being careful and understanding what is involved can you be sure to avoid trouble.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.nationsfinance.co.uk/mortgages/ and also http://www.ukpersonalloanstore.co.uk/mortgages.html
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- "Joseph Kenny" <submissions@isnare.net> Mar 23 02:40PM +0800
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Please consider this free-reprint article written by:
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Article Title: How To Know When To Get A Remortgage
Author: Joseph Kenny
Word Count: 518
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You may have already been hearing that some of your friends had remortgaged their house and received what they thought was a good deal. You've been wondering if you could do the same, but really have not taken any serious steps forward to do it. Getting a remortgage could be like a breath of fresh air to your finances and may be able to put some extra cash in you pocket. Here is how you can go about getting a remortgage on your house.
The fact that someone you knew got a better deal should be a good indication that better deals are available - at least for some. Only by going through the process can you actually discover whether or not it will work for you. The best place to start is simply by watching the market rates for refinancing, and know what your own rates on your mortgage are.
If the rates are at least 1% (2% is much better, but 1% may work) lower than what you currently have, then it would be a good time to remortgage if everything else looks good, too.
Part of your calculations should be you figuring out if you plan on staying in that house for a few years longer. With new closing costs applied, as well as the possibility of having to pay for an early closure on your existing mortgage, it could take you two or three years to break even.
Then you need to determine whether or not you want to get a fixed rate mortgage or an adjustable rate mortgage. Of course, if you already have an adjustable rate mortgage, and with the present rates being not real good, you may have already made up your mind.
A good reason to remortgage is also to get lower payments. A remortgage could allow you to take your remaining balance and stretch it out again to 30 years. If you already had a 30 year mortgage and have paid on it for ten years, then this will reduce your payments and make them easier to handle. Another possibility would be - if you can afford it - to reduce the time of repayment to say, 15 years - and you could pay off the remortgage quicker, own the house, and still save thousands of dollars in the process. You would need to carefully calculate this, though, after you get the quotes and learn the exact interest rates and costs involved.
Getting access to your equity is another reason you may need to refinance. The longer you have lived in your home, the more equity you will have. Remortgaging will enable you to obtain some of that money for whatever purpose you would like. You can take that long dreamed of vacation, pay for a college education with it, add a room onto your house, or pay off some debts. A remortgage could make it all possible. If you have added rooms onto your house or other major improvements since you moved in, then your equity may be all that much more.
About The Author: Joe Kenny writes for the UK personal finance sites http://www.nationsfinance.co.uk/mortgages/ and also http://www.ukpersonalloanstore.co.uk/remortgage_loans_doc.html
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