Tuesday, January 29, 2008

Quick Mortgage Tips for Home Loans, Equity Loans, Reverse Loans, Cash-Out Loans and Refinance Loans

If you're considering a mortgage loan, you might be wondering what options are available. Today, there are many options besides the conventional methods of obtaining a mortgage. Whether you're applying for a home loan for a new home, a refinance loan, an equity loan, a HELOC, or a reverse loan, you should be aware of what each loan entails.

Buying a New Home

When buying a new home, you'll need to be approved for a new home loan through a lender, or ask the seller to finance the home for you. Before applying at a lending institution, research your options. Determine how much "house" you can afford. Use online mortgage payment calculators to figure what the payments would be for different home loan amounts. Then, you'll know what price range you can shop within, and whether or not you can afford the payments. Remember, your income/debt ratio must fit within the lender's guidelines to qualify for a conventional loan.

Healthy and "Not-so-healthy" Credit Scores

If you have an excellent credit score, then your income/debt ratio along with the investment capital you have available will be the main factors in determining home loan availability. However, if there are flaws in your credit history due to non-payment or repossession, you will be limited in the type of home loan you can obtain. But don't lose heart. Many homebuyers whose credit is "not-so-great" do qualify for non-prime loans. Non-prime loans can be a bit higher-priced than prime loans or have higher interest, but you might still be able to buy your dream home!

Creative Financing

Don't settle for conventional loans if you don't have to. There are many creative ways to finance a new home loan. If you do not have the needed investment capital or a down payment, some lenders will finance the down payment for you as well as the closing costs. If not, the seller might be willing to finance part of the loan to cover these costs. This can work even if the seller doesn't have extra "money to lend!"

Explain to the seller that it could be advantageous to him because of income taxes. He might much rather claim an income of $100,000 than $120,000! Spreading out payments for $20,000 of the loan amount over a period of five or ten years could make a huge difference on his taxes due for that year. Consult with an accountant to find out if this could work in your situation.

Unusual Types of Home Loans

If you're worried about budgeting with a new home loan payment each month, try a FlexPay loan where several monthly payment options are available to you every month. These options include interest only payments, full-amortized payments, and minimum payments. There are also bi-weekly mortgages for paying more toward your premium each year through a bi-weekly payment schedule.

Hard Money loans are also available when there is a large amount of equity built up in a home. The loan approval is based more on the home or property's value than the borrower's credit history or job/salary history.

Refinance Loans

If you plan to refinance your home, there are several options. A refinance means you are re-evaluating the terms, payments and interest of your loan. You might refinance to simply get the interest rate or payment lowered. Or, you might want to keep a little cash out for yourself as well. This is called "Cash-out" refinancing. Cash-out loans are made when you want to refinance your home for more than is owed on it. For instance, you owe $60,000, but want to refinance for $80,000. You'll pocket the additional $20,000 to use for home repairs, remodeling or whatever else!

Reverse loans are available for those over 62 years of age who own their home free and clear or have much equity built into it. They can receive a monthly payment, a lump sum or a line of credit. This does not have to be repaid until the borrower moves or passes away. Then, the estate can be sold to pay the note.

Another option for leveraging your home equity is to create a HELOC (home equity line of credit) that is secured by the equity in your home. HELOCs can be used to pay debts, make purchases, or anything else. Be aware, however, that the interest rate can fluctuate monthly.

Now that you are armed with many options for obtaining a home loan or refinancing your mortgage, check with an online lender to find out what plan will work best for you. Use the available tools and calculators to do some budgeting on your own as well. You'll be moving in that new dream home in no time!

Chris Robertson is a published author of Majon International. Majon International is one of the worlds MOST popular internet marketing and internet advertising companies on the web. Visit their main business resource web site at: http://www.majon.comAuguste Blog1961
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There Is More Than One Way To SkinA Real Estate Deal With Seller Flexibility In Selling Property

Jack and Mary were desperate. Mary received a big promotion in another state and Jack was looking for a new job in the same city. It was just too good to pass up. Mary was a rising star in the health care industry and with the huge pay boost and promotion it was a job she had dreamed of ever since leaving graduate school armed with her MBA. Jack was a natural born salesperson and could work anywhere selling just about anything. He liked high tech sales in the high ticket electronics field and was close to catching on with a company in the same city as Marys new job. One problem, they had a large house to sell in a very slow and slumping real estate market.

Jack and Mary counseled with the local real estate ace that had long been the resident expert Realtor for their community. They had been in their home for six years and with the past real estate surge they had lots of equity now. Because this was happening so fast, Mary moved to a small apartment near her new job. The relocation price offered by the company was way too low for what they felt they could command in the market. This option was rejected. With ongoing brain storming with Tyler the Realtor, the scenarios included, lease options, lease purchase, and a seller held second. The lease scenarios would be the iffiest of the three. Jack and Mary instructed Tyler to hold the price and offer to pay the selling Realtor a selling fee plus a bonus of $2,500 and agreed to pay the closing costs and prepaid expenses (pre-paid interest, tax and insurance escrows) up to an offered $14,000. Likewise, Tyler was instructed to offer through the MLS selling terms to include a seller held second of 5% to 10% of the purchase price. The list price of $475,000 would mean that the Jack and Mary were willing to hold a second mortgage of 5% Loan To Value (LTV) or $475,000 x 5% = $23,750 or 10% LTV at $475,000 x 10% = $47,500.

Tyler, the listing Realtor, had been in discussion with a mortgage broker active in their area and had some clients that could only get a 90% to 95% LTV first mortgage. They had some credit dings, which were holding them back. Each had fully documented income and was making good money. There were valid reasons for their rocky credit history and both needed time to rebuild their credit. Tyler showed the home to both the prospective buyers who had credit challenges. The first couple didnt like the kitchen layout or the back yard size. The second couple liked the house and had similar reservations but with the flexible financing they figured they could live with it and make changes and improvements down the road when they could refinance down the road and get sufficient monies to do some home improvements.

Jack had closed up the house and had moved with the furniture in tow to join Mary at her new location. The furniture was put into storage in hopes that it wouldnt be there long with Realtor Tyler on the case. Jack had been actively working on his job hunt in the new city for two weeks now. Tyler was now on the phone presenting the offer from the buyers who needed seller help. The buyers would need Jack and Mary to pay $15,000 in closing costs and prepaid expenses. Tyler was making the deal himself so there was no bonus involved. The offer was based on a seller held second mortgage of $47,500 with an interest rate of 10% with a 30-year term and a three-year balloon. The payments would be $416.85/month. At closing, Jack and Mary would payoff their first mortgage of $200,000 and would get somewhere around $188,000 in cash at closing and the seller held second of $47,500.00 paying $416.85/month. Tyler went on to explain that the buyers were putting very little of their own money in the deal and explained the downside risk involved if the buyers defaulted. The only way they could protect their 2nd mortgage equity would be to buy in the first mortgage or just take the loss. Tyler and the mortgage broker, with the buyers permission, indicated that Jack and Mary were in essence underwriting the 2nd mortgage loan on part of the buyers. It was up to them to pass or deny.

On weekends Jack and Mary were looking at new homes, which might meet their needs. One in particular, due to the soft market, the builder was offering major concessions and sales inducements including paying all the closing costs and prepaid expenses. With potentially $180,000 cash available for any purchase they were looking at a builder deal loaded with incentives for a home worth $750,000, which they could now buy for $650,000. The nagging fear was what would happen if the 2nd mortgage payer defaulted. Since, it was up to Jack and Mary to pass on the buyers credit worthiness, with the buyers permission, they went over their entire credit package and personally interviewed them on the phone to find out something of the character of the buyers and the back ground of the of how the credit dings had taken place. It turns out it was a temporary medical problem that had put them behind the eight ball and precipitated their credit dings. Jack and Mary decided to take the deal. Since the buyers had been already pre-qualified, the sale took place in two weeks.

Jack and Mary, with closing funds in hand, closed moved into their new home. Six months had passed and the buyers of their prior residence had made their second mortgage payments on time as agreed. The home had everything they wanted in a home except a pool and spa. The dilemma for Jack and Mary, even though they had got an incredible interest rate in the soft market they were reluctant to incur any additional debt with the 2nd mortgage paying off in now 2.5 years. Jack received a letter in the mail from an investment note buyer who was offering to buy the note at a discount since the note now has some seasoning. Running the math, with the investor getting a 15%+ yield on a 10% face rate ballooning in the next 30 months were offering to buy the note for $42,900 cash. Just for grins, Jack being the super salesman and dealmaker had been working on construction quotes with a pool contractor. He had managed to negotiate a $5,000 reduction and could put everything they wanted for $40,000. Pool contractors were slow right along with the rest of the real estate market. Jack and Mary showed the documentation to the note buyer that indicated six months of on time payments together with copies of the note and mortgage. The note was sold netting out $42,000 in cash. The pool was built the following week. Life was good.

Soft markets can lead to flexible terms which can help complete real estate deals. Keep and open mind. There is more than one way to skin areal estate deal.

Dale Rogers
http://www.sellerhelpsbuyer.com
http://www.brokencredit.com

Dale Rogers is a thirty-year mortgage veteran and frequent contributor to the Broken Credit Blog. The BCB is a free website created to assist the general public with information about credit repair and responsible mortgage lending.Aeriela Blog26893
Aidan Blog85290

Conserve Fuel, Save Money & Help the Enviroment - GAS, DIESEL, HYBRID

GO TO WWW.GREATGASDEALS.COM FOR MORE GREAT GAS SAVINGS TIPS

It has become an unfortunate fact in the past few years, that gasoline prices may be straining your family's budget. Maybe you want to stop the flow of US money to countries such as Saudi Arabia & Iran, or help stem the process of global warming, or you just might want to help the enviroment by reducing your use of oil, a limited resource.

The Fuel Economy Numbers

In plain english, fuel economy ratings are the mpg numbers posted on the price sticker of a new car. Studies have shown that the average driver receives less than 80 percent of the economy figures that are on that dealer's price sticker.

You can use these numbers to determine the numbers will let you know how many mpg your vehicle will get, so you can compare vehicles and then go from there.

Hybrid - Pricing

The new gas electric hybrid vehicles are normally priced higher than non hybrid counterparts. they usually are at least two thousand dollars more than the comparable gas vehicle, and can be up to eight thousand more depending on the manufacturer. Hybrids are usaually much more fuel efficient than their gas counterparts, with many averaging around 45 - 55. This is great for those who want to save money on gas, as hybrids can go many miles on a full tank of gas and they come with extended warranties.

Diesel Engines - Benefits & Costs

Diesel fueled vehicles are yet another energy efficient option. Diesels, will generally get better mileage than a comparable gas fueled car or truck. They offer much better torque than many gasoline engines. Also, the price differential between diesel and gas vehicles, is much less than that of a hybrid.

With so many different options available, you're sure to find what you need to conserve fuel. Before making your final selection, always remember to shop around and find what's the best choice for your budget.

Find more tips like these at http://www.greatgasdeals.com.

Harry Bernstein has been practicing employment law for the last 18 years, and been a internet marketer for the past 2 years. Anetta Blog97040
Ariel Blog53968

Gas Costs Need Not Break Your Bank

After spending most of the summer above $3 per gallon throughout most of the United States, gasoline prices appear to be dropping a bit. That may or may not be temporary; the price of crude oil is affected by many factors, and all of them are volatile. This much is certain, however - gasoline at a dollar a gallon is gone forever. From now on, American consumers are going to have to adjust to spending a lot more money on gasoline than they are accustomed to spending.

Spending more dollars per gallon than one is used to does not mean that buying gas needs to drain your bank account. There are numerous ways to save money on gas. Some are obvious; others are less so. Each of them saves a little bit and has a cumulative affect of keeping your bank balance a bit healthier.

Aside from the obvious savings obtained by buying a fuel efficient car or driving the speed limit whenever possible, here are some other tips for saving money on gas:

Gasoline is denser at cooler temperatures. You might get a bit more for your money if you buy it in the morning, before the day's temperatures cause it to expand. This is particularly true if the gas at the station is stored above ground.

Walk whenever possible. Sure, this one is obvious, but it saves money and is good for you, too.

When traveling on a freeway, you might save a few pennies per gallon by avoiding the stations that are right at the end of the ramp. You will always pay more for convenience.

Use your cruise control. Cars get their best mileage at 50-55 miles per hour, so don't exceed the speed limit and keep your speed as steady as possible. Using your cruise control can help a lot.

Keep an eye on your tank when you are filling up. It's convenient to use the locking mechanism that keeps the pump going without your having to touch it, but the safety switch that shuts off the pump when your tank is full doesn't always work. When that happens, you will find yourself spilling $3 gas all over the parking lot, where it does you no good at all.

Each of these steps, in its own little way, will save you a bit of gas. The cumulative effect, especially when combined with good driving habits, can save a noticeable amount every month. Buying gas is something that no one likes to do, so every little bit of money you save is money you can spend on something you do like to buy.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing. Retro Marketing, established in 1978, is a firm devoted to informational Websites, including http://www.LemonLawHelp.net, a site devoted to automobile lemon laws, and http://www.Car-Insurance-Help.net, a site devoted to automobile insurance.Agna Blog3951
Adelind Blog58430

Millions At The Kitchen Table

Chapter 1

How You Can Make Up To $2,778.00 A Day Sitting At Your Home Computer!

Even Out Of A Small Bedroom In Your Home!

By Jason Ryan Isaksen

An Amazing But True Life Story About Internet Marketing And How You Can Cash In.

Anyone Can Do What I Do!

I know you probably think it sounds like I'm exaggerating when I tell you I make up to $2,778.00 a day sitting at my computer.

As crazy at it sounds, I actually do it on a regular basis and I only spend a couple hours a day at my computer. And I really believe that anyone over the age of 9 or 10 years old can follow my example and do exactly what I'm doing. I know a few secrets and I'm about to reveal them to you in the pages ahead. So keep reading if making up to $2778.00 a day is acceptable to you.

Of course I can't and won't guarantee that you'll make the exact same number of dollars I make everyday, but what I can do is tell you how I do it. I'll reveal some of my most confidential secrets, tips and tricks along with a complete money-making system that produces a serious income!

How Much Money Do You Really Want To Make?

My average income per day as I sit here writing this book for you is averaging just above $2,700.00 per day. Some days I make more than that, other days I make less.

As of October, 2004 I've generated over 2.4 million dollars using my internet marketing system. Now that's gross, not net, but at least close to half of that is net(money that I got to keep.) But I don't want to sit here like all those other internet marketing gurus that tell you over and over how they're millionaires.

No instead I'd rather just show you a few of my actual bank statements from my business checking account so you can see my total monthly and yearly deposits for yourself. While others just talk, I offer proof!

These days it seems like everyone is flapping their lips trying to convince us of how much money they make. Don't listen to what they say. Ask for proof! Ask them to show you actual bank statements like I do. Then watch how fast they try to make up excuses about why they can't show you their bank statements. They'll say things like: "Oh I can't show you my bank statement because that's confidential." And the only reason they won't show you their bank statement is because you'd laugh if you saw most of them. That's why they keep it so confidential. But I believe anyone who is really making a serious internet income will be more than happy to show you a simple bank statement as proof.

So I'm going to show you one of my actual bank statements just so you'll know I'm the real thing and not one of those phonies. Click here to see one of my bank statements from a single month. Keep in mind, that's only one of my bank accounts. I have two more business checking accounts that also have extremely large deposits going into them every week. Yes, I make a good solid living and I'm about to show you most of the keys to my income so you can start making the same kind of cash-flow for yourself.

After you finish reading this book, you'll know almost every secret I use to produce this much income and you'll know how to do it the same way I do.

But keep in mind, you might not need a million dollars a year to support your lifestyle. As individuals, all of our income needs are different. It's possible that you aren't as materialistic as I am and it's possible you don't desire the expensive trips, cars, and homes that I have. I often talk to students of mine that tell me their needs and wants are more modest and they'd be happy if they could even make half the income I make. Heck, $1,000.00 a week might sound great to you especially if you don't want to work very hard and you don't need all the fancy stuff I've got. I've even talked with some "Stay-at-home-moms" that say they'd be delighted to make just a mere hundred dollars a day if it meant they still got to stay at home and play with their kids all day.

Whether you want $100.00 a day or $2,778.00 a day, this book is going to show you how your computer can help you do it! Just like I've been doing it for the past nine and a half years solid!

I also think you'll be glad to know that I'm not a "Lucky" person and luck plays no part in how I make all this money. This is not some fluke that just worked one time for one person. On the contrary, the same system I'm about to show you is being used by hundreds if not thousands of other successful internet marketers that work out of their homes.

Yes, my particular approach is a little better than most, and it's definitely unique, but the basic nuts and bolts of my system have been making lots of other people serious cash for many years.

You Definitely Don't Need An Office and You Don't Need Employees!

I've been working out of a small bedroom in my house for over eight years. I have a small desk with a $500 computer sitting on it. There's nothing special about me, my equipment, or where I do my work. Many people that know me actually tell me I'm a cheap-skate in a lot of ways! I don't want a fancy office with a pretty secretary. I've seen too many big shots with offices, secretaries, and staff go broke. Fancy offices and pretty secretaries don't make money! On the other hand, the correct knowledge does make money. I'm just an average guy who happened to find out a few secrets that actually work! And you're just moments away from finding out how I do it.

As you read these secrets up ahead, you'll find out why you're never going to have to put much of your profits into overhead or business expenses. There's absolutely no reason for you to go out and get an office. Your home will work just fine unless your business grows too large to contain in your home. And that's a great problem to have!

You'll never need to have a bunch of employees. Employees are more trouble than they're worth with all the baggage they bring to your business.

No Need To Ever Get All Dressed Up

One of the perks of working from your home is the fact that it doesn't matter what you wear while you're working. I work in my pajamas, robes, old torn sweats and holy jeans most of the time. Heck, you could answer the phone naked and your customers would never know. Your customers never come to your home and you never go to their home and since you never see each other in person, it's a relaxed atmosphere.

I actually get a lot more accomplished than I ever did working in an office because I'm so comfortable working in my house. There's no reason you can't do the same thing I'm doing. It's a piece of cake!

Now I'd like to tell you how I put this whole home business system together and why it's going to be even easier for you than it was for me. I know you may feel like skipping ahead, but you'll be hurting yourself if you do. This system must be read in the exact order in which it was written for it to make perfect sense. It's important for you to know each step I took to start making the kind of income I now make. This system will make perfect sense if you see how it all began.

I'm about to show you what I do and how easy it's going to be for you to do the exact same thing in your home. And remember, the big checks I get in the mail are not some strange fluke and I didn't just get lucky. I just followed an exact method that guaranteed my success. It's really no different than when you use a recipe to make a delicious dinner. You just follow the recipe and add the exact ingredients. And you always get the same delicious meal.

You could also compare this to a restaurant chain like Burger King, McDonalds, KFC, Round Table Pizza, Carl's Jr., Taco Bell etc. Does the food taste different at a Taco Bell in California than it does at a Taco Bell in New York? No, of course not because they both use the exact same ingredients for every item on the menu. A Big Mac from a McDonalds in the United States tastes the same as it does in a McDonalds over in Europe!

Just understanding why all these restaurant chains are so popular and so successful is going to help you understand exactly how this system is going to make you successful.

What is the single most important common denominator all these restaurant chains have in common? Each one of these restaurant chains uses duplication to achieve their stunning success. The owners of these restaurants know that success can be achieved over and over again and again by simply following a set of instructions or reading a manual that contains the ingredients to a perfect recipe! Yes, duplication is the key!

The reason people who read this book become successful is because it contains the exact ingredients that have already made thousands of other people successful. So as you continue to read through this book, I want you to stop worrying, doubting, and over-thinking. I want you to treat the rest of this book just like you would treat any other great recipe that was recommended to you by a good friend. Remove any doubt you may have about this working for you and just know that you are following a perfect recipe that has always delivered success to everyone that has used these ingredients the way they are written below.

My name is Jason Ryan Isaksen. I'm thirty three years old. My wife Mindy and I have two daughters and a son. Three years ago, using the money I've made from my internet business, I purchased a 22 acre house in California for my family. The best part is the fact that I was able to put 75% down on that house in pure cash. Again, I made all that money by using the techniques, secrets, and strategies revealed in this book.

And just so you know, I still don't have an office and I have no desire for an office. I'm writing this book right this very moment from a spare bedroom in my house that I turned into an office. I'm living proof that one room in your home with one computer is all you need to make up to half a million dollars a year! Most people dream about making this kind of serious money with a home business but I'm actually doing it! It's real but I still can hardly believe I've finally reached my main goal in life! It's still hard to believe that this little book you're reading right now has helped bring such an enormous income and so much freedom to my life!

For so many years I tried business opportunities that just didn't work! I felt like a complete sucker because I kept buying every "Get-Rich-Quick-Scheme" I could find. I was addicted to buying money-making-systems. I bought every "Work At Home" magazine and I responded to every ad. I ordered every course, program, system, and money-making report I could get my hands on. I ordered seminars on tape, franchises, distributorships, plans, and anything else that looked like it could make me stinking rich.

I spent $19.95 on one report and $99.95 on another. I spent $199.95 on a set of eight audio tapes and I spent $399.95 on a distributorship. Heck I even spent $2,000.00 on a website that guaranteed I would make $600.00 a day! It never made me a nickel! In fact none of that stuff ever made me a penny!

I'd be ashamed to even tell you how many thousands of dollars I've spent on worthless get-rich-quick schemes. I bet you've had some similar experiences and you're now probably thinking the "Work At Home Dream" doesn't exist. If you're like I was, you probably don't know who to trust anymore.

I was there too! I remember how it felt to spend all my money and get nothing back in return. But I now realize that all those thousands of dollars I spent searching for a high paying business opportunity were not wasted! It's now clear to me that If I hadn't spent all that money trying different things, I never would have learned some of the secrets I'm about to share with you through this book.

You're lucky! Why? Because I had to pay thousands of dollars to find the information you're about to read. I had to spend over 4 years to find out the secrets you're about to see in just minutes. And you don't have to spend thousands of dollars and thousands of hours like I did!

Let me tell you the main reason I wrote this little book. You'd think I wrote this for the money, but money had very little to do with it. These days, I no longer need the money. At one time I wrote little books like this for one reason and that was because I made serious cash by telling others the secrets to making a rock solid income. A few years ago, I really needed that money badly and it was like gift from above. It's not like that anymore.

Now that I've already made enough money to retire on, I sometimes ask myself "Why are you still writing new books?"

Well, here's the truth. I feel very fortunate. This system has given so much to me that I feel like it's now time to give something back. I remember how hard it was and what a struggle it was before I knew these secrets. And even though I had to spend thousands of dollars to find out one good piece of information that would change my life, I can only hope nobody else has to go through that long, difficult process. I don't believe anyone should have to go through that kind of stress and frustration. I now feel obligated to share my knowledge with you. Keeping these secrets to myself would be a selfish thing to do.

Anyway, it's not like it hurts me by telling you my confidential secrets. Some people have asked me this question: "Aren't you just creating more competition by telling all these people the secrets to your success?"

The answer is "No" and you'll find out why as you continue reading further.

Lets talk about what this book is NOT

First things first. I know some of you reading this right now still can't help but to be a little bit skeptical and have doubts about whether this system will really work for you. But just for a moment allow yourself to be open and receptive so you can truly take in this information and fully absorb it. I'll start by telling you what this system is not about.

It's not MLM, Multi-Level-Marketing, or Network Marketing. This system has nothing to do with that stuff. Don't get me wrong, I've actually made some money with MLM but I just think most people never find success with MLM and I have found a much easier way to make money. And with this system, you never have to meet with anyone face-to-face and you never have to do any real selling. This system always sells itself so you just collect the checks! Since most of the work is automated in this system, you'll only need to sit at your computer for about an hour a day! In fact, even people that don't own a computer can use this system so the market is huge for this!

This system is not one of those pyramid schemes that doesn't even have a "Real" product. No Way!

With this system, all of the money you're going to make will come from providing "Real" products with a legitimate purpose to people who are desperately seeking them. And they'll always pay you top dollar for your product! Every time! I'll give you more information about your product in the next few pages, but I just want you to know that I don't just sit around selling "Get-Rich-Quick" information. No way, there's probably good money to be made doing that, but that's just not what I do. Before I even wrote the first page of this book, I'd already made 2.1 million dollars by using all of the ingredients that make up this system! So even before this book existed, I was raking in a rock solid income by using all of the techniques outlined in this book.

This is not one of those goofy deals where I sell you a bunch of catalogs, brochures, and order forms and tell you to pass them out to make money. In that case I would be the only one making any money while you'd be losing money! No, this system is nothing like that! You keep all your profits with this system. All the money goes directly to you!

After I show you how this system works, there's nothing else you'll ever be required to buy from me. Once you know the secret system, you'll never need to have any connection with me at all. And I certainly won't be taking any of your profits! But the only connection you may want to have with me is for me to help get you started.

My goal is to see you become completely independent just like me. The last thing either of us want is for you to be dependent on me. Your goal in purchasing this system was to learn how to become financially free and completely independent so you don't ever need to rely on others for a paycheck. And most important, you don't want some fat cat boss-man taking most of the money for the work you do in life.

I did not make this system up. I'm sure you've seen the get-rich magazine ads and infomercials that show the owner of the company standing next to a Mercedes, next to their giant cruise ship, or even standing on the stairs of their own lear jet. And you probably already know that many of the people posing in those pictures aren't even the real owner of the company. Often times the person in the photo-ad has a completely different name than the one you see advertised. Yes, these guys often use made up stage names and they set up their own photo shoots showing a life of luxury when it's not even real. All fake!

I want you to know strait up that I'm nothing like that fake stuff you see out there. No way, me and my wife Mindy are totally real people and if you saw us walking down the street you'd never know that we are rich. We don't act like rich people and we don't look like rich people. We look completely ordinary, dress completely ordinary, and even drive ordinary cars. We don't need to impress people. In fact we go out of our way to look like regular folks because we don't want to be treated different in life. Sure, we used to drive flashy luxury cars and dress like movie stars, but we soon learned that people would often try to use us for our money. Yah, every other day someone else would be asking us for a loan or just pleading for us to help by donating some money to them. Sure, they'd ask for a "Loan" but nobody ever paid me back anyway, so that's why I use the word "Donation." Because when you're rich everyone thinks you should just hand out money to every Tom, Dick, and Ha!

rry! You're rich so you can afford it. Right? Well I don't like being used anymore than you do so it's not even about the money.

So Mindy and I no longer try to impress anyone with expensive toys. But the main point I'm trying to make is that every word written in this book is completely true. Mindy and I are not about to risk losing our home, our business, or our reputation by telling a single lie. That would be fraud and it's illegal.

I have no reason at all to make anything up because my true life story is so unique and amazing that it's more powerful than fiction.

This Is Not Just Something That Sounds Great On Paper But Wouldn't Be Easy For You To Do

As you continue reading your way forward, you'll soon see that even a 10 year old child could use this system(where was this when I was a kid.) This system doesn't require much money to start up. So even if you're almost broke, there's plenty of hope in the pages that follow. You don't need any special education. You don't even need an office or a store to do this. You don't need to stock any inventory of products and you don't need any special equipment. Best of all, you don't need to have a single employee working for you, ever! You just need yourself and this book!

This is a completely different approach to internet marketing that has made me over 2.1 million dollars before I even wrote this book!

Be prepared to read this book again and again until you fully understand the big picture. Because once you fully understand what I'm talking about, you're never going to work for anyone else again. You're money worries will be gone forever, and I promise you this: The people that work in your bank will soon have a new respect for you and know you on a first name basis.

I Didn't Go To College

I mostly screwed around in school so I never had any interest in going to college. With no degree, I wound up having to do what I call "Real Work." And when I say "Real Work" I'm talking about jobs such as stock person, grocery bagger, cashier, dept. store sales person, professional cleaner, etc. And when I say I did some cleaning I don't just mean dusting. I cleaned windows, toilets, floors, tiles, and even cars. At one time, I was even cleaning up after a demolition crew. They smashed stuff up, and I had to walk through all the dust and carry out the garbage.

But I don't want to bore you with all the details of all the many odd jobs I had. I just want to let you know that I wasn't born rich and that I actually shed blood, sweat, and tears just trying to live on my own. Those jobs all had one thing in common. They were all "Real Work" and I hated every minute while watching the clock and waiting for the end of the day to come.

It didn't take me long to realize I wasn't meant to have a boss in life. I didn't like taking orders back then and I still don't like taking orders now. And that's part of the reason why I listed so many different jobs of mine up above. I used to get sick and tired of jobs faster than most people. So I'd end up getting fired or quitting sometimes after only one week of working. There were a few occasions where I just walked off a job without even telling anyone I was leaving and never coming back! I would seriously just wait until nobody was paying attention to me and I'd just walk right out the front door, get in my car and drive home. Home was where I like to be. Home was a place where I felt safe, relaxed, and happy.

Yes, I was really good at getting jobs, but not so good at staying with them and being committed to them. Home was just such a better place to be. So looking back, it's really no surprise that one day after walking off a job, I stopped at a computer store and bought a cheap computer with money I didn't have. I had one credit card left that wasn't over it's limit and I used that one credit card to live off of for the next 3 weeks while I sat at that computer determined to figure out how to make it spit out dollar bills.

No Luck! For over a year I tried every internet money-making opportunity I could get my hands on. But I just kept racking up more debt. A year later, I was $46,735 in debt and desperately struggling. Any sane person would have gone out and gotten a job. But to me, a job was not an option. I seriously would have rather been in prison than had a job. At least in prison you can sit down and relax. Ok, well on second thought, I wouldn't want to be in prison either. But I think you're starting to understand just how much I hated having a regular job. Having a boss seemed as close to a prison sentence as I can imagine.

So I just sat at that computer all day long and I answered as many of those "opportunity ads" you see in the back of small business magazines as I could find. I tried every money-making scheme that I came across. If you sold a get-rich-quick scheme, I would have been an easy sale for you at that time.

I tried offline businesses as well as online businesses, but they always turned out to be nothing but lies. And I kept falling for every one of them. It was official. I was an opportunity junkie. If there was such a thing as opportunity junkies anonymous, I probably needed to be there.

But as bad as things got, I was one stubborn son-of-a-gun! I knew I'd rather be homeless than work a day job. At least I knew what I didn't want to do. Looking back, knowing what I didn't want was actually a step in the right direction. So I just kept on trying more business opportunities. I tried them all. I experimented with different ways of doing them and I tested and re-tested each one.

When you look at just how pitiful my life was at that time and how bad things were turning out, it's actually good news for you. If I can suddenly bring in $437,540.00 after being down so low then you know you can do it too! As you continue reading, you're going to see just how easy this really is. Remember, I'm not a lucky person and what I was about to discover wasn't luck. I discovered a recipe for success. Yes sireee, I had found the exact ingredients for a serious cash income!

There are a few reasons why you're likely to use this system and make more money, faster than when I got started. Who knows, you may even do better than me later on too!

But before I ever hit it big, things kept getting worse while I was struggling to avoid losing my apartment back then. I ended up having to move back in at my parents house which as you may know, is a hard thing to do. But I had no choice. My credit cards were now all over their limit, and my checking account had a negative balance. Things were ugly!

But as ugly as things got, I still wasn't going to throw in the towel and get a boss and a job to go with it. No way, I was determined to find a way to get my computer to make me a solid income from home. That was my dream and I was obsessed with being my own boss and finding a simple way to make money from home. I wanted to be totally independent and financially free to relax at home where I felt safe. Looking back I sometimes can't believe that I never gave up and at least got a part time job to help get me out of my financial mess. But I guess I was well aware that every minute I spent working for a boss making low wages, was time wasted. I knew that having a boss and a job would only end up robbing precious hours from me and take away the time I needed to get my own thing going at home.

How Did I Go From Almost $50,000.00 in debt and struggling at my parents house, to buying a house worth over $412,000.00 in just six months?

And How Was I Able To Put Down almost $200,000.00 On That House In Cold Hard Cash?

After Being So Desperate For So Long, How Did I End Up Paying Cash For 2 New Luxury Cars?

I even bought expensive toys for my kids like a horse, a new dirt bike, and a quad racer.

Heck, I suddenly was able to buy every piece of jewelry my wife was asking for! Yah, I scored big points doing that!

Out of nowhere, we suddenly get to travel first class and take exotic vacations as often as we want!

No boss! No cubicle, No office! I take orders from nobody! I am suddenly in charge of my own life! I can suddenly do what I want when I want without asking anyone! I can take today off and go play with my kids at the local park if I want. I can decide to take the whole rest of the week off and goof-off all day with my wife! I can take the next month off for a tropical vacation half way around the world if that's what I decide to do.

How???

I'm about to tell you how I finally made a huge breakthrough in my struggle to create wealth with my computer at home.

I know you've been waiting on the edge of your seat for me to finally tell you how I made this all happen and now it's time to show you how to do the exact same thing I did. I'm going to use the space in the rest of this book to tell you how this system can change your life as quickly as it changed mine.

To find out how to copy my success go to http://okoyeada.wiff06.hop.clickbank.net

The Double Payment System has helped others to successfully market their internet businesses for the past nine years. Jason Ryan Isaksen has been a mentor and consultant to small internet businesses as well as large corporations. Yes, Jason Ryan Isaksen has got this whole marketing thing down to a science.Aridatha Blog64217
Alayne Blog18150

5 Things To Consider About Debt Consolidation

Debt Consolidation....How could you not think about it? Several times a week you are presented with the "best option" for debt consolidation through either the mail, a telemarketer(we all love them), e-mail, or advertising online, just to name a few. Do you find it strange that so many people are concerned with your well-being and financial stability that they want to help you? Don't be. There are obvious reasons that we all know, that companies want your debt. Huge Profits! They have the statistics and know the trends that most people will only make minimum monthly payments which over the term of the loan pays them back at least 4 times the amount and from the temporary increase in available cash, most people repeat the same spending habits that caused the need for consolidation in the first place. More opportunity for the companies.

But debt consolidation can be a great thing if used correctly. There are varying opinions about this from the many financial "experts" of the world, but my personal belief is that we all make decisions necessary to solve our current problems and give us added peace of mind. Now the decisions do not always give the results we hope for and may not be the best decisions for long term planning, but I do believe people make what they think are the best decisions at the time. It is pretty easy to look back and question some of the financial decisions we made, we all do, but the problem with doing this is only analyzing the decision and not the many other factors that were in play when the decision was made. ex family, job, relationship, sanity, etc. When deciding if debt consolidation is the best thing for you, here are some things that should be considered to help make the best decision possible.

1) How much additional monthly cash will my consolidation make available?

This is based on an assumption on why people consolidate, but I assume it is because the total amount of your monthly bills is more than you can afford or want to pay each month. Whatever the reason, how much cash your consolidation frees up should be a consideration if you do it or not. If the total of your monthly bills is currently $1,000 and after the consolidation your monthly payment will be $975, then the consolidation is probably not the best idea. Now if that payment is going to be $500 after the consolidation, then maybe it is worth it. There is no one number that makes this answer right, totally personal choice. Just make sure that you review all of the terms and that over the long haul you are not paying a whole lot more than you would have before the consolidation.

2) Can I consolidate without consolidating?

Is it possible that you can consolidate your bills and pay them off quicker without the formal consolidation? This requires an analysis of your bills, the amounts owed to each, the minimum monthly payments, and how much longer before they are paid off. It may make more sense to endure the high payments for a few more months, if you can make minimum monthly payments on most bills while overpaying on one to pay it off. And repeating this process until, in theory, you are debt free. This is commonly referred to as the snowball effect, which basically means as you pay off one bill it frees up more cash to increase the payments on another bill. This is done over and over until all of the bills are paid. I am sure there are places online that have calculators that can help you perform this task as well as Microsoft Money and Quicken. I have used both of these programs and they both are helpful in graphically laying out what extra payments can do.

3) What am I prepared to change in my spending habits?

This is probably one of the most important questions to ask yourself, what will I do differently after the consolidation? You must take a long, hard look at your financial situation and determine how you will control your spending habits differently. I hate to make it seem as though consolidation is a bad thing because it truly is not. But I do realize than many people consolidate loans and bills due to being overextended. If you fall into that category, make sure you are doing what is necessary in terms of spending controls to prevent the need for more consolidation in the future. Statistics will easily show that there is little change after the consolidation which leads to further consolidation in the future. Dont be a statistic!

4) How much does my consolidation cost by the end?

This is really a combination of what are the terms of my consolidation loan versus the current terms of my loans. I guess it could be summed up as reading the fine print. These lending companies like nothing more than to get you into long term contracts with low monthly payments that last forever. The first several years of these payments the interest portion is far higher than the principal with statistics showing there will be some other type of consolidation after a few years. To them that is more money, more money, more money. Look at the terms of your loan and try to avoid adjustable rates, extremely long terms, or high closing costs to acquire the loan. The most important is the rate and if it adjusts. Sometimes they are unavoidable, but that makes your payment for the future unpredictable. If may only fluctuate a little at a time, but over the course of a year or two, your payment could be drastically different. The documents that you have to sign to acquire the loan will usually state how much you will pay in total if you make your minimum monthly payments for the duration of the loan. Look at this number and see if you can make it lower and meet you current cash needs. You will thank yourself in the long run.

5) What effect will extra payments have?

Consider extra payments each month, even if it is as little as $25. This makes a significant impact to the length of the loan. Obviously the amount of the loan will make a difference as an extra $25 against a $1 million dollar loan does not have that great of an impact, but extra payments help. Banks calculate payments and interest using compound interest meaning that they do not simply multiply you loan times the finance rate for the year to get your interest. They calculate it daily. So 5% per year is not $100 X 5%, it is ($100 5%/365)* 365. This gives a number much different than $105. By making extra payments you are reducing the amount by which the interest is calculates against. So everyday after you make your extra payment, the amount the interest is calculated against is lower. Makes a difference. Do the math.

Brian May writes articles on a variety of subjects including relationships, real estate, and finances. Please visit my sites http://www.BrianKeithMay.com or http://www.OpenEntrance.com.Ashli Blog65690
Aeriela Blog26893

7 Steps to Market and Promote your Internet Business

For your Internet business to flow smoothly and reap the highest amount of profit you can, you need to know the order in which certain tasks should be accomplished. Following is a step-by-step guide to get your Internet business marketing and promotion off the ground and running like a well oiled machine.

Step #1: Make sure your merchant account is set up so you can receive payments from customers. Use the merchant program KickStart Cart.

Step #2: Write at least 10 articles that provide valuable content as well as promote your products and services. Write as many articles as you can. Articles are an exceptionally powerful promotional tool.

Step #3: Make sure your Autoresponder program is set up.

Step #4: Send out 10 articles as quickly as possible through Article Submitter Pro. These articles will help drive traffic to your squeeze page.

Step #5: Check that your Google AdWords program to ensure that it is running properly.

Step #6: Repurpose content so you can get more mileage out of it. For example, take the summaries from your articles and turn them into emails. This will increase the number of emails in your Autoresponder sequence.

Step #7: Create a habit of submitting articles through Article Submitter Pro. The search engines love to see updated content. So strive to send articles on a regular basis such as every two days.

Tip: It is better to submit 1 article to a hundred different sites than to submit a bunch of articles to the same site. By submitting articles to hundreds of different sites you are increasing your presence on the web.

These are core tasks that you should complete on a consistent basis. These tasks may seem overwhelming if you view them as a whole. Instead, think of each step as a bite size achievable task. If you take your marketing and promotion one step at a time then pretty soon youll have covered everything and your profits will skyrocket.

Good luck and get to work!

Matt Bacak began investing his first earnings at the tender age of 12, a young businessman in the making. Now, 15 years later, Bacak survived failed businesses, botched partnerships, heavy credit card debt and bankruptcy - all in preparation for the accomplishments he has achieved today as a well-established Internet millionaire and best-selling author.Adelind Blog23741
Adelind Blog58430

The Explorer And The Talking Money: All About Dora And Boots

Best of friends, for life

The above phrase describes the friendship Dora and Boots have. You may ask who are Dora and Boots.

If you are familiar with Dora the Explorer then you might find it easy to answer who Dora and Boots are.

Dora is a seven-year old Latina lass who pilots the animated show Dora the Explorer. She is set forth to beat various tasks. Every task she hurdles requires her to come up with strategic plans. At all times, Dora succeeds in her mission. Dora will not be able to accomplish her tasks if Boots is nowhere to be found.

Boots is Doras best pal. He is a talking monkey who helps Dora with her every task. He seldom frets on matters which requires problem-solving. Yet it is evident that Boots love to assist Dora and complete her mission. You can observe Boots as an outgoing and active monkey.

Dora and Boots have always been together with every Doras adventure. They have experienced laughter and sadness together. Both have encountered triumphs and failures. They just lived their lives together.

Some of Dora and Boots adventures keep their friendship alive are the following:

A true friend remembers his friends birthday and makes a way to brighten up his day.

On one occasion during Boots birthday, Dora plans a surprise party for her best pal. She invited all their common friends. However Dora, together with her friends has to climb a stair with almost-never-ending steps. Afterwards she and her friends need to go across a Troll Bridge. Dora and her friends need to do that for them to be able to reach the venue for the surprise partyall for the love of Boots.

It is not only during good times that Dora and Boots are together. They are also together on bad and rough times.

There is also one instance where Dora and Boots have to catch a bouncing ball. Boots is the one who purchased the bouncing ball. He thought it will be a good toy for him and Dora. Unluckily, the ball bounced down to the hill. Dora and Boots decided to follow and get hold of the bouncing ball. The best pals experienced their first mud swim in search for the bouncing ball. They also brainstormed on a tricky riddle at the Troll Bridge for them to be able to get their toy. Fatefully Swiper threw the bouncing ball into the Volcano. Dora and Boots had their first taste of volcano explosion as it spewed the bouncing ball.

Dora and Boots also have a heart for other creatures. They will face many challenges set forth to them just to help someone.

During one of Dora and Boots water adventure, they have come across a baby fish which is fenced in a tide pool. Dora and Boots agreed to help the baby fish and chose to return him in its home. The decision to return the baby fish is not an easy one for both friends needs to mount over a sandcastle which is believed to be owned by a King Crab. Moreover, they need to make Val the Octopus says yes to take them into an underwater ride.

On the examples given, you can see how Dora and Boots maintained their friendship. It is not all about fun times. A true friend sticks with you on both good and bad times.

As the song goesthats what friends are for.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on dora, wallpapers, websites, information & story, please visit http://dora.articlekeep.com.Angelica Blog93362
Aprilette Blog59249

Cash Loans Available For Lawsuits

In a world where legal action and lawsuits abound, there is cash relief for victims of car accidents, personal injury, workers compensation, etc. in the form of a cash loan against their pending lawsuit.

A cash loan offers plaintiffs a way to finance their day to day living expenses with cash they will eventually claim against the outcome of their settlement. Many times those injured in accidents are the sole breadwinners. When their health and mobility is compromised, theyre unable to pay their bills.

Their options are limited: they could borrow from the bank, but the bank expects a monthly payment on a cash loan; they could max our their credit cards, but still, a check needs to be sent every four weeks to cover the costs; they could get a cash loan from friends and family, but that has the capacity to strain long-formed relationships. When there is no money to make monthly payments, plaintiffs lapse into a crisis situation where a cash loan is essential!

When a cash loan is needed, help is available. By taking a cash loan against their pending lawsuit, plaintiffs can ease the strain of financial burden and not be out of pocket with money they dont yet have! Best of all, the cash loan is non-recourse. If the plaintiff doesnt win their lawsuit, they dont have to pay anything back.

For most plaintiffs, a cash loan has saved them from losing their homes, helped them pay their medical bills, and kept them out of bankruptcy. A cash loan against ones lawsuit is a little known service and plaintiffs need to understand that theres a place to turn in their time of need.

For more information visit http://www.OasisLegal.com

With a strong creative writing background, Lisa Colangelo has spent years in the marketing department at Oasis Legal Finance. Through writing press releases, articles, newsletters, web site copy and other creative pieces, Lisa continues to inform the corporate and private sector about the benefits and importance of litigation financing.Amargo Blog40332
Angelika Blog90562

Lead a Stress Free Life with Cheap Loans for Unemployed

Unemployment is the state when one is not able to find work. Being an unemployed person, one can find himself in the clutches of debt. Almost everyone faces this condition, but with the availability of cheap loans for unemployed it is easy to tackle this situation on their own.

Cheap loans for unemployed are specifically crafted for unemployed to get rid of their debts. Cheap loans for unemployed are similar to any other loan as they can also be secured or unsecured. Secured loan is meant for those who can easily put their property as collateral. Collateral generally involves home or other immovable property. You can avail lower interest rate if you pledge a good amount of collateral. You can accomplish a variety of tasks by obtaining secured cheap loans for unemployed like:

Improvement of your home

Starting of a new business

Holidays

Arranging cash for wedding etc

On the contrary, unsecured cheap loans for unemployed do not require any collateral as security against the loan. This includes a bit higher interest rate as compared to secured loans.

When we talk about cheap loans for unemployed, we are talking about the lower interest rate with better terms and conditions. The main motive behind availing cheap loans for unemployed is to make the unemployed stay away from the stress of higher per month installments. The interest rate that you can get depends on your previous credit score. If you have a good credit score, you may negotiate with the lender on interest rate part. The longer term of this loan can enable you to stay relax.

Now the question arises where to find cheap loans for unemployed? The answer is your computer. Yes, you are right

Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for loans website UKfinanceworld.For any type of loans, Uk bad credit loans, personal loans, unsecured loans, secured loans, debt consolidation loan, mortgage, remortgage in UK please visit http://www.ukfinanceworld.co.ukAnnalena Blog84438
Ariel Blog53968

Business Financing Decisions

The goal of business finance is to raise sufficient capital at the least cost for the level of risk that management is willing to live with. The risk is that a business will not be able to service the debt and be forced into bankruptcy.

Broadly speaking there are 5 main ways of funding a companys needs:

Receive credit from suppliers
Obtain lease financing
Obtain bank loans
Issue bonds
Issue stock

Supplier credit

This is the easiest way that companies obtain funding. Companies buy goods and services and have anywhere from seven days till 6 months to pay for them; when companies need more credit from suppliers the financial controllers will negotiate longer credit terms or larger credit lines. The payment terms can also be stretched and this can work well because the creditors do not want the customer to go into bankruptcy taking their money with them.

Lease financing

Instead of buying equipment, many companies choose to lease equipment - this is a form of franchising.Cars,computers and heavy equipment can be financed for short periods or indeed longer periods.

If it is a short period it is referred to as an operating lease and at the end of the lease the property is still useful and is returned to the finance company.

Long term leases are, in substance, ways are ways of funding a purchase rather than buying the temporary services of a piece of equipment. These are often referred to as capital leases.

For capital leases the leased assets and the financing liability are recorded on the leasing companys books as though the company had bought the equipment outright.

Bank financing

The next level of financing involves banks. If a company has a credit line or revolver with a bank it draws down and pays back up to set limits of credit as cash is needed and generated by the business. The credit is often secured by assets of the firm however if a business runs into trouble it may not be able to pay the bank and go into bankruptcy

Bond Insurance

Bonds have fixed interest rate contractual payments and a principal maturity. The risk comes to the firms owners if they cannot be serviced. The principle bond owners can then exchange them for ownership of the company and oust the owners.

The After-Tax cost of Borrowing

Interest payments for borrowing from vendors, bankers or bondholders are tax-deductible, while dividends to shareholders are not. The after-tax cost of borrowing is the interest cost less the tax benefit.

Stock Issues

Stock issues have non-contractual, non tax deductible dividend payments. Stock represents an ownership in the business and in all of its assets. If additional shares of stock are issued to raise cash, this is done at the at the expense of the current shareholders ownership interest. New shareholders share their ownership interest equally on a per-share basis with the current shareholders this is why analysts say that the new shareholders dilute the interest of existing shareholders.

Summary

In summarising, the higher the percentage of debt to total capital, the higher a companys value, to a point. At the point where the risk of bankruptcy becomes significant, values fall. The cost of financing decreases as a company adds lower-cost shielded debt to displace the higher returns required by equity investors.

Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity.Alison Blog271
Audie Blog966

Business Banking Keeping Your Accounts Healthy

Theres no room for complacency when it comes to running a business, and running your account is no different. You should check your statements carefully, and have a periodic review of the market to make sure your account is still the best one for your needs.

New accounts and special offers crop up all the time, and it may be worth your while to change banks. You can also point out the competitions rates when negotiating terms with your own bank often these are flexible and a bank may offer you improved rates if you hint that you are considering taking your business elsewhere. Stay on top of bank charges, and if any show on your account that you do not understand, contact the British Bankers Association for more detailed explanations on charges and interest: www.bba.org.uk

There are ways to minimise charges and run your account as smoothly as possible:

1. Automate Your Account

If you have frequent customers, you could encourage them to make payments by direct debit or standing order. The more electronic payments you have, the fewer charges you will incur. The same goes for your expenses try to use automated services for all your regular payments.

2. Bank Online

If your bank account has online facilities, make use of them. It is both more efficient and cost effective. Larger businesses may be offered PC banking, which involves special software being installed on your accounting computer, so that your accounting system is linked directly to your bank.

If you find yourself struggling, for example if cash is short and its becoming difficult to meet the repayments on your loan, the best course of action is to visit your bank and renegotiate your account. You should do your best not to exceed any overdraft limit that has been agreed, and stick to the terms of your account. If you break the terms of your agreement there can be stiff penalties, such as referral fees and administration costs.

If you accept a cheque which then bounces, you will lose the money owed to you and also incur a charge. Be sure to write the number of the cheque guarantee card on the back of all cheques

You should also keep your records scrupulously accurate noting all transactions and crosschecking your records with your bank statements. Not only will this mean you can query any discrepancies, but it will make filling in your tax return much quicker and easier!

Joe Kenny writes for the Loans Store offering secured loans and offer more information on car loans and other loan topics available on site.Atlanta Blog83706
Allys Blog15947

Charlotte Schools Offer Several Magnet Choices

The magnet program of Charlotte Schools is committed to increasing educational opportunities for students. Magnet programs are theme based learning centers within Charlotte Schools which aim to promote students interests, abilities and talents. Researchers have noted that magnet programs promote innovation in teaching and learning, increased parental involvement, greater student engagement, and diverse student bodies that lead to higher student achievement. Charlotte Schools offer various curricular themes or instructional approaches such as Early College, Foreign Language Immersion, Montessori, Leadership and Global Economics and many others.

Early College provides academically-talented and motivated students the chance to earn college credit while still in high school. This Charlotte Schools program allows ninth and tenth grade students to prepare for college courses by taking higher-level classes, such as Advanced Placement. Eleventh and twelfth grade students continue to earn their high school credits in the morning and take college classes in the afternoon. Special features include a formal agreement among the University of North Carolina system, allowing students to earn college credit and to transfer these credit hours to a participating college or university upon high school graduation.

A typical student that may attend this Charlotte Schools magnet program is one who enjoys reading, learning and academic challenges. This Charlotte Schools student has the ability to do accelerated work and is intellectually curious and possesses the self-motivation to learn. Students must also be willing to commit to college-level work expectations and show above grade level reading and math proficiency.

Charlotte Schools which participate in the Foreign Language magnet school program offer students the unique opportunity to become fluent in Chinese, French, German, Japanese or Spanish through a foreign language immersion program. Beginning in kindergarten, students become familiar with the new language as lessons are conducted in the second language for all or part of the instructional day.

Charlotte Schools children enrolled in the Montessori program magnet schools learn by working with specially designed and attractively displayed developmental materials. Working individually or in small groups, children develop a sense of self-esteem because they are given a balance of freedom and responsibility. Some of the special features a student may enjoy when attending a Charlotte Schools Montessori magnet are classes with multi-aged grouping, activities that help students develop responsibility, self-confidence and independence, and certified Montessori teachers. Montessori schools are ones which have a child-centered learning environment that places high regard for each childs developmental level.

Charlotte Schools students enrolled in the Center for Leadership and Global Economics are given opportunities to learn about leadership and to identify and develop personal leadership qualities while gaining a better understanding of global studies and economics. This program, available to Charlotte Schools students, hopes to produce future leaders in careers such as business, banking, finance, law, diplomacy, politics and the military. High school students in Charlotte Schools may choose from one of three leadership strands: 1) Banking and Finance through the National Academy of Finance; 2) Legal, Political and Social Systems; and 3) Military Science through JROTC.

Patricia Hawke is a staff writer for Schools K-12, providing free, in-depth reports on all U.S. public and private K-12 schools. For more information please visit http://www.schoolsk-12.com/North-Carolina/Charlotte/index.htmlAriel Blog90118
Anna Maria Blog92300

Need Money? You Asset Can Get You Cheap Secured Personal Loans

In a world where money is playing such a critical role, you cannot afford to stay a single moment without sufficient fund. Money is needed for your each and every action that you perform. But imagine that in this scenario, if you face a cash shortage due to any reason, what would you do. The answer is simple- you will go for a loan that is affordable, is available at the right time and is convenient to repay. Such an opportunity is provided by cheap secured personal loans which will not only fill the cash gap but also make your financial life healthy. Let us see how it works.

Cheap secured personal loans are such loan products that offer you money for almost any kind of purpose. This is because personal loans are available for your personal needs which can be anything. When you are applying for these loans, you need not tell the lender the purpose of this loan. So whether you have to meet your medical bill or business expenses, or you have to purchase a home or a car, do not worry. Cheap secured personal loans are available for you.

In order to avail a cheap secured personal loan, you should firstly make up your mind as to what security you are going to put as collateral. Since it is a secured loan, you are required to put collateral against the loan amount. You can place any valuable property such as your home, car, jewelry, or any other asset that is equal to or greater than the loan value. This gives you an additional benefit of getting a good loan amount because collateral gives lender an assurance that his money is not at risk and that if you fail to repay, he can always repossess your asset.

You can get a cheap secured personal loan with an amount ranging from 3000-25,000. However, the loan value can even extend up to 100,000 depending upon your requirements and the collateral that you put. The repayment term is usually 3-25 years.

The interest rate charged with secured personal loans depends on the loan amount and the repayment. However you can get a cheap and reasonable loan by applying to the online loan lending services. Online lenders provide you a list of lenders who offer secured personal loans at cheap rates. Among them you can easily compare and choose the best and reasonable lender. Online lenders also provide you ease in filling the application form. They offer you fund within as fast as 10-12 days. This is because it has a least number of paperwork and verification process.

Cheap secured personal loans provide funds for all. People with bad credit or no credit history can also apply. They will be offered a loan deal that will suit their financial situations.

Loans are available widely. But cheap secured personal loans provide you the best deal. Apply now and get maximum benefits.

Amanda Thompson holds a Bachelors degree in Commerce from CPIT and has completed her masters in Business Administration from IGNOU.She is working as financial consultant for chanceforloans . To find a Cheap secured personal loans ,Debt consolidation loans, Cheap rates, Personal loans,Secured loans, Unsecured loan visit http://www.chanceforloans.co.uk.Ashlen Blog49726
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8 Top Tips for Becoming a Professional Gambler in Horse Racing, Poker and Other Sports

Most folk are under the opinion that professional gamblers have one bet, play one game of poker, or some other form of gambling, and then collect the winnings and go back to their big mansion for a few months rest, before having another gamble!!

I pray it was like that, but in valid life it is vastly different. I personally work 10-12 hours a day, 360 days a year, and still do a bit on the days off, including Christmas day. When you see professional poker players they are spending 3-5 days at a table in a game every week, sometimes sitting for 12 hours, and when they are not doing that, they are at home playing poker on the computer.

So if you are looking for a relaxing life, do not take up betting as a profession. Yes it can pay well, very well, but you need to put in a lot of work, and it can be 2-3 years before you are making any meaningful hard cash. Anyone who tells you otherwise is possibly lying just to receive your hard cash.

When you see tipping advertisers stating things like "We made $26,000 to $100 stakes in the last 12 months", it looks sensational. However, they need to receive your attention as a 1/8th ad in a paper costs around $500, and they need that money back before turning a profit. And how innumerable average gamblers have $100 to bet, especially when you need a betting bank, and with $100 stakes, the cash you need before you even place one bet is around $3,500, any less and you can easily blow it all. Then divide the $26,000 by the $100 to work out how many points you make a year, and that is 260, then divide by 52 to see how numerous points profit a week, and that comes to 5pts a week. Wow!! If you are just starting off you are likely to only be using a realistic $5, so that is $25 a week average. That may not sound much but you have to learn to walk before you can run. If you cannot profit with 10c bets, how the hell will you profit with $100 bets?

Also think why various tipsters advertise every day. This is because they have such a considerable turnover; they need to keep replenishing the customer base. This does not always mean the tipster is rubbish, in some cases they may be profitable long term, but the average Joe Punter always wants profit NOW and every day, and average Joe points more than 5 points per week, whereas a full time professional would be happy with that.

If you are going to gamble to profit, then for the inaugural few months this should be your conditioning were you will be doing a lot of work for little return, but you will also learn how to handle losing runs, how to cope with mistakes, and if it does all go improper and you lose the betting bank, you should have learnt a lot from it for as little loss as possible, as you should only ever bet what you can afford to lose, especially while proving to yourself you can profit. You may have a spare $10,000 available, but prove you can profit with a $1000 bank maiden, and then add to the bank monthly.

So here are the 8 tips you need to learn, and stick to religiously if you want to stand a chance of ever making money from gambling.

1. Patience: If you want big profits now, try the lottery. Building up you betting banks takes time a lot of time.

2. Betting Banks: If you do not have a betting bank to emergence with, and you are just betting from whatever is in your pocket, you will never make a profit. It is as simple as that. Most punters lie to themselves that they are breaking even. Do not do that, be truthful.

3. Staking: You see betting plans for sale on EBay, most of them may make you a few dollars quickly, but it is 100% guaranteed they will bust your bank as these are designed by amateurs who have no understanding of gambling maths in the real world. Always onset with levels, if you cannot make hard cash with that simple staking plan you will not make bankroll with anything more complicated. Once you have proven over a few months you can turn a profit with level stakes, and then you can switch to each bet being between 1%-3% of the bank. Most professionals will emergence at 3%, but get it down to 1% as the bank grows.

4. Bank Management: Managing banks is not just staking, it also involves listing every bet on a spreadsheet so you can monitor things like average odds, strike rate, losing runs, etc. If you do not list every bet, you will have no idea where you stand, and no way of having data to look back and learn from.

5. Risk Management: Most people follow one tipster, or one system. This is usually suicide, you do not see the big boys in the city markets investing everything in one stock do you? No. They spread it around, and so should you. Use a number of systems, proven tipsters, method bets, etc. And ensure you have a separate betting bank for each (you can use the same betting account, as the spreadsheets you keep will tell you the amount which is in each bank).

6. Alcohol: NEVER drink while betting, you will bet more than you should, you will bust banks, you will play bets you would never do when sober.

7. Forums: Join a forum where you can bite ideas, this can prove a powerful aid, but make sure it is a decent one, and not full of idiots just spouting off how good they are!

8. Fun Bets: You are often told not to do any 'fun bets' if you wish to turn professional, but this will not happen, as it is hard to break old habits at first. The best way to treat fun bets is to handle them as you would any pro bets. Separate betting bank, list all bets, and it will not be long before you lose the bank and realise how wonderful your own tipping is!

This advice goes for betting in any country, on horseracing, greyhounds, soccer, NFL, poker, etc.

You can also find innumerable free horse racing systems, staking systems, poker systems, on the internet, ignore them, they are only free for a reason, as they lose hard cash.

These days it is possible to receive horseracing software, poker software, etc that can facilitate you, they will only make you hard cash if you are already doing so, they just enhance your skills, not make them. Search the web for reviews on every product before parting with any money; ask people on forums which software is the best.

Keith Driscoll has been a professional gambler since the late nineties, and now runs many sites, forums and blogs as Managing Director of Win2Win Limited. You can visit my site at http://www.win2win.co.uk Free Horse Racing TipsAlysa Blog80769
Angelita Blog76338

Learn How to Succeed with Affiliate Marketing

Affiliate marketing has been around for a long time and there are quite a few cases where people make a lot of money through their affiliate marketing efforts. Yet, there are many cases where people invest a lot of time, and sometimes a lot of money, into affiliate marketing and they go nowhere. What is the difference in those that make it with affiliate marketing and those that do not? The fact is, if you want to do well with affiliate marketing you need to possess a certain mind set, which we will try to outline here.

Get Ready to Learn

If you really want to do well with affiliate marketing you need to come into the process with a very open mind and truly be ready to learn. Even if you think you know all you need to know about the business, the product, or the service you need to open your mind and be sure to learn all that you can. You need to want to learn and be trained according to the standards the affiliate program has in place. These standards and techniques are employed because they work, so open up and learn how to work them. Affiliate marketing is tough and competitive, so you need to be sure to learn all the tricks of the trade. When you truly know it all you will find that you have the advantage in the marketing business.

Be Giving of Your Time and Money

To be truly successful with affiliate marketing you will need to give time and money to the cause. You may be against the idea of investing time and money right out of the gate, but this generally needs to be done for you to see any returns in the future. Even if it seems like you are just digging a hole for yourself, youll find a few weeks or months down the road that all of the time and the money you invested was well worth it. Anything worth doing takes some time and money to get it off the ground, so dont be afraid to spend your free time learning all that you can about your affiliate program. Part of being ready to learn and ready to succeed is having time to give to your dreams, sometimes at the expense of other things. Marketing is all about exposure, and zoning in on your target audience in the most effective manner and this will take time, especially as you perfect your marketing skills and put any training to use.

Dig Deep for Determination

Your own determination will really be the key that ties all of your knowledge, training, and marketing abilities together. You can have all of the knowledge in the world and have received some of the best training, but if you are not determined to do well youll find that affiliate marketing proves very frustrating and unrewarding for you. You need to have a go get em attitude in the world of affiliate marketing because you are not the only one out there, so you need to dig deep for determination and really take the marketing world by storm.

Discipline Yourself

Aside from discipline you need discipline to succeed with affiliate marketing. It is really easy not to work as much as you should in affiliate marketing, because who will know? Perhaps you have set goals for yourself, well be sure that you meet or even exceed them, dont allow yourself to slack off and stop marketing. Setting goals is a great way to discipline yourself especially during those times where it does not seem as though your affiliate marketing career is going anywhere. If you discipline yourself to keep going and to keep aiming for your goals, to keep investing time and money as required, and to be open minded and train hard you will find that you will be a success. Without discipline you will not be consistent and anyone that would like to succeed with any type of marketing needs to be consistent and disciplined.

Think Positive Thoughts

It is important not to give into negativity if you want to succeed with affiliate marketing. This is a business that takes awhile to kick start, so if you tend to give into negativity you will find yourself floundering very quickly. You have to think positive thoughts, you have to believe in yourself, and you have to envision yourself being a success. Positive thoughts should be part of the game for you and if you implement it into your business practice along with everything else you will find that you are able to really blow the top off of all your most fantastic expectations.

Final Thoughts

Its important when delving into the world of affiliate marketing that you have an idea of what you would like to achieve. As you go along, continue to create new goals for yourself. When you meet those goals create more for yourself, and dont ever stop this process. Affiliate marketing can be a tough business to break into, but once you are in, you can keep going and going if you always bring your A-game. Affiliate marketing can be a very rewarding business, but you have to put together all of the right attitudes, training, and goals to make it happen in a big way. Work to create a balance of these things so that you can be a success.

Kevin Reid runs http://reliableaffiliates.comAlmira Blog82432
Alicea Blog28598

It's Your Credit. What Are You Going To Do To Protect It?

For anyone who has, has had and wants to avoid being had, this series of articles reflects years of continuing research. I'll discuss the worse that can ever happen to people thrown into credit situations - whether through their own doing or as victims and how they were able to come of them in one piece. These article are based on facts as I read and understood them.

A credit report is a history of your bill payments record. These can be bills such as home loans and mortgages, revolving credit and even cell phones. There are three credit-reporting agencies that are commonly referred to as credit repositories. Each uses a different type of symbol. When looking at your credit report, be aware of the very first page. This will most often contain the explanation of the symbols that are used by that company. There are various symbols that are utilized to identify payment histoy, types of accounts and whether or not the account is individual, joint or involves a cosigner.

Credit reporting agencies are NOT part of the U.S. Government. They are privately owned companies that get paid to sell information about you to your creditors. They get paid for good and bad information. You are NOT their customer. You do not purchase any goods or services from the Credit Reporting Agencies.

They do not care whether your credit is perfect or poor. They receive their money from the creditors in the form of charges and memberships. Why should a credit reporting agency care about you? You are only a consumer of goods or services.

In fact, Experian, which is one of the three large Credit Reporting Agencies is owned by a British conglomerate. Think about that. Why would a foreign company own a credit reporting agency in the United States? The answer is simply for the profit. Those are the facts.

Remember, most credit reports identify the consumer (you) by your name and your credit entries by the name, account number and the date that the account was opened. Being able to identify information that is not accurate can help you to raise your credit scores. One of the single most important parts of the following articles is your ability to identify on your credit report your legal right to know WHEN an account is first delinquent.

In a future article I'll devote an entire paragraph that further explains this portion of the law.

Chuck Lunsford is the owner and developer of http://www.EasyFLoridaHomeLoans.com. He offers advice on how to get your credit in order and working for you. Visit his website and learn more about how to obtain without resorting to paying an attorney.Adrianne Blog2892
Alyce Blog12872

No Faxing Payday Loan Emergency Cash in 24 Hours

A payday loan is made even more convenient with the no faxing feature that lenders offer. As the term suggests, the borrower will not be required to fax documents and requirements in order for the loan application to be processed. This is most welcome for many borrowers who are not quite comfortable in divulging too much personal information or are not ready to provide the documentary requirements.

It can be a tedious task to bring or send a bunch of documents such as bank statements, phone bills, pay stubs and more. No faxing payday loan does away with the hassle of paperwork, faxing and waiting in line. The borrower would only be required to fill out a secure online application application and the cash that is needed may be provided by the next business day. However, in cases where the lender is unable to verify application information or when required by law, documentation may still be necessary.

Borrowers should not be careless in shopping for a payday loan just like in traditional lending. It would not be wise to apply at every online payday loan website (http://www.e-paydayloan.co.uk/apply.html) or store driven by. This is because credit scores tend to go lower as more applications are filled out.

The absence of a direct deposit paycheck may present some problems. Most payday loan providers find paper checks too risky. Lenders also seldom grant loans to persons with no checking accounts. The monthly income will also be considered first as a minimum requirement and in the calculation of the loanable amount.

The no faxing payday loan(http://www.e-paydayloan.co.uk/faq.html) can help whenever an immediate or urgent need arises. Reputable lenders charge competitive fees that are in compliance with applicable laws. The services offered by some lenders can be very impressive as borrowers go through a quick and easy process.

Many people are facing a financial crisis in their lives. It may be caused by personal or family illness, unpaid bills or unchecked overspending. Situations can be very overwhelming but need not go from bad to worse. With a strong resolution and action to overcome the crisis, the no faxing payday loan can provide the necessary push with the least of stress.

Creditors can be managed as long as they are directly dealt with. Waiting until such time when accounts have already been turned over to a debt collector may be too late. When this point has been reached, it is a sign that creditors have given up which could make the situation worse for the borrower.

David Steve has been associated with Payday Loans UK (http://www.e-paydayloan.co.uk) After completing his Masters in Finance, he is providing his useful advice through his articles on finance for the residents of the UK. Adelind Blog23741
Auria Blog65483

Finding Your Cash Cow

Most of us are looking for the way to generate more money on a consistent basis. We're looking for the "cash cow;" "money machine;" "passive income" or the "money magnet." There are literally millions of ways to do this. What is most important is that you make the distinction that YOU are the money generator, not the business or the investment.

Ten different people could start a widget company with the same amount of capital, knowledge and resources and experience very different results. Personality is not a factor. Nor is your descent or age. Here is what will make or break the success of your potential fortune:

- Your passion behind the project, business or investment. You have to love the idea of it.

- Commitment. Are you truly ready to see this thing to the end result?

- You must be willing to get help. You need to plug in people who have expertise where you do not.

- You must keep your eye focused on the desired outcome - no matter the ups and downs. It's easy to give up, but will that get you where you want to go?

- Have a plan with accountability. Follow the plan.

- Be scared and do it anyway. Having sweaty palms doesn't mean that you can't move your hands. Use them.

- Be honest. You need to have forthright conversations with your team. Even if you want to shut down, let people know what is going on. Be truthful if something isn't working. Don't keep hoping for the best.

- Be willing to switch strategies, if plan A is sinking the ship. Don't let stubbornness (your ego) break the bank.

- Listen to your intuition. Yes, intuition does have a place in business. Know the difference between inner guidance and fear.

- Forecast your expenses and what will truly be needed to make the project it's best.

- Make sure all the pieces work for you. Don't enter a project that will have you working 60 hours a week for a long time, if time with your family is high on the priority list. Honor your values whether creating a business or picking a stock.

- Check in with people outside the project. Get feedback from folks who do not have emotions or money at stake. They can be much more objective.

- Enjoy the process. If it's not fun, why the heck would you do it? Be easy on yourself when you make a decision that bombs. Get back on the horse. You keep getting clarity on what will truly work. The journey is as good as the outcome when you stay present to the moment.

Your past does not determine your financial fortune. It can definitely provide you with clues about areas that are obstacles for you, but then you can seek a solution. Learn from the past about what works well, too. But you do have a choice in every moment to change your future. I taught my 17 year old dog to stay off the new couch (she's been a couch sleeper her whole life) in a week. You can surely create new habits around prosperity.

You are up to it. Change potential into cash. The time is now.

Jeanna Gabellini is the Xtreme Abundance Coach. She'll give you all the tools you need to create financial wealth and prosperity with her personal coaching, tele-courses and audio products. Jeanna blends strategy, Laws of attraction and FUN to assist you in creating exactly what you want. Are you ready for Extreme Abundance? Go to http://www.MasterPeaceCoaching.com to get your free ezine or call 707-747-0447 for more info.Audie Blog4725
Anastassia Blog61620

Act Information And Its Customer Relationship Management Systems

Youve heard other companies talk about their ACT CRMor customer relationship managementsystems and how their companies have been streamlined by the efficiency and easy-to-use features offered by ACT software. Where do you turn to find more ACT information? The most ACT information is available on act.com. This is the main page run by the company that makes ACT, Sage, and is therefore the most likely to provide you with plenty of ACT information.

Sages ACT information includes detailed descriptions about the different kinds of ACT products and solutions to common customer relationship management problems. Did you know that you can install ACT software into one self-employed persons home office computer to make an ACT information database or that you can install it into hundreds of computers in one corporation network, even access the ACT information database from Palm handhelds and other PDAs, making a virtually endless ACT information database network?

Look at Sages Web site for more ACT information. What exactly can an ACT information database do for you? It can not only organizes the names, e-mail addresses, mailing addresses, and phone numbers of all of your clients and business partners, but it also allows you to keep a record of conversations with, observations of, and meetings with your contacts for a complete ACT information database. Organize your ACT information database with keywords, categories, and subcategories to make searching for clientele who match certain goals of a marketing campaign a matter of a few seconds worth of work.

Run entire marketing campaigns through your ACT information database in mere minutes. Use your ACT information databases features to print out mailing labels and a list of fax machine numbers of your clientele who might be interested in your new serviceclientele you were able to find in seconds thanks to your ACT information database. Automatically send e-mails to those clients and even use your ACT information databases marketing templates, graphics, and plans to create dynamic material to sell your goods.

Sages ACT information Web site also claims that their software helps you and your employees keep track of project deadlines, meetings, and other scheduling events with the ACT information databases calendar feature. See your daily, weekly, and monthly project goals and client follows-ups as well as your work week schedule with your ACT information databaseeven send automatic e-mails to customers who need responses by a certain date.

Sage says you can use your ACT information database to forecast sales trends at the click of a button. Using all of your ACT information to put together sales reports will save you time and money otherwise spent to mine that information through manual means. Your ACT information database can be compatible with programs such as Microsoft Word, Outlook, Outlook Express, MapPoint, and Excel; Win Fax; Adobe Acrobat Reader; Eudora; and Lotus Notes. Need any further ACT information? Speak with Sage directly or ask an IT service company in your area.

Frank J Vanderlugt owns and operates http://www.act-software-now.com Act SoftwareAshlie Blog94645
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