Car Insurance Advice

By Tom Martens

No matter where you are in the world finding insurance that is suitable to your needs is not an impossible task. In shopping for car insurance, you need to know what the policy will cover and what you can do to save on your payments and premiums.

Car insurance comes in three basic types, which are Comprehensive, Third Party, and Third Party Fire and Theft. Third Party pays for damage to other people's property if you cause the accident. Third Party Fire and Theft also covers damages caused by fires and attempted thefts. Comprehensive Cover also includes damages to your own car in an accident that is caused by you.

While Comprehensive Cover costs the most, it also provides the greatest amount of coverage. Most South Africans should probably get this kind of insurance to cover all of the risks that they face. Now how do you get this insurance at the best price? These are ten tips that can reduce the cost of your insurance. Not all of them will work for you, but at least some of them will be effective for everyone.

It's easy to do this research online or through a broker. You can also get a discount if you purchase your policy online. Check with individual companies for this option. First, shop around and compare quotes. You can find substantial savings just by taking this step to educate yourself about your options.

Each policy comes with an minimum excess amount. This is the amount you will be responsible to pay in the event you file a claim. If you can afford it, raise your excess amounts to save money in the long run. Just be sure you can pay the excess when you file a claim.

You may gain lower premium with yyour current insurance company by being a safe driver. Each year that passes in which you don't file a claim you may also be eligible to get better rates with another company.

High performance and expensive car models cost more to insure due to their increased risk profile and expensive replacement parts. Be sure to include your insurance premiums in your car shopping budget. Always consider your insurance costs when you're shopping for a vehicle.

If you live in a high crime area, your premiums will reflect that due to the increased risk of your car being stolen or hijacked. Consider moving, not only for better premiums, but for your own personal safety.

You could get a discount if you park your car in a locked garage or behind locked gates overnight. Keeping your vehicle off the street at night reduces the risk that it will be stolen or damaged, therefore reducing your premium.

Insurance companies tend to require minimum security requirements for insured vehicles. By adding devices like global tracking devices or gearlocks, you can exceed the minimum requirements and be eligible for a discount.

The number of people you let drive your car is also a risk factor. If you keep the number of allowed drivers at a mininmum it helps the insurer calculate your risk factor better in turn lowering your premium.

Do not be timid about bargaining. Several insurance carriers have negotiable rates and will work closely with a potential customer in order to obtain new business.

About the Author:

Tom Martens is the syndication coordinator for Carinsurancesa.co.za. South Arica's leading car insurance portal.

Why are we in a mess after all this money has gone to the banks?

By Chris Clare

The situation with the banking and lending institutions may throw some people into confusion, which I find is totally understandable. The banking system has had many billions poured into it, yet it doesn?t appear they want to lend any of it to enable people to purchase or develop property. It even appears that lending to people for high street spending has in many cases come to an abrupt end.

In addition we have seen drops in interest rates to levels we have basically never seen before. Yet all this effort into trying to get lenders lending and us the consumer borrowing and ultimately spending our money has failed, Why?

Well it is no great secret that banks are currently in what can only be described as a bit of a crisis at the moment. They have very little idea what their assets are and furthermore they have even less idea what their liabilities are.

For the most part this has been caused through their indecisiveness as to which will be a sound loan and which will not. In other words, they are trying to avoid liability to their businesses caused through a bad lending, with the obvious consequence that they are reluctant to lend for fear of what will happen.

It is an easy mistake to think this is the only reason why banks do not want to lend and that they are clueless as to where they actually stand. However, the full story is more likely that they have frankly come to the conclusion they cannot carry on doing business in the same way as they did before. Or in other words they have had a up to date reality check. For the past several years, their lending has been surplus of 95% with many borrowers being allowed to borrow on a self certification basis.

This means that fundamentally they are disinclined to continue their lending business in this high risk fashion to high risk clients and herein lays the problem. Because they have such enormous amounts of people whom they have lent enormous amount of money too, it is now very complex for them to come across clients able to provide full proof of income and not least with a low loan to value mortgage.

The big question then is if the interest rates are encouragingly low and there is plenty of money in the banks for them to lend to clients, surely we are all rushing out to spend? I think not and that is purely down to their difficulty in essentially finding someone happy to lend 90% to 95% or 80% on a self cert basis.

What does this all mean? I personally think that it may be a good few years before the market for mortgages comes back and that is if it comes back at all. We might have seen an end to the way we used to mortgage our properties. No more self certification and no more high loan to values. The problem is house price inflation over the last five years or so has been fuelled by the ease of these mortgages. We probably should have been unable to get a large proportion of the mortgages we have. So the future could be about waiting till our wages and deposits get up to the levels that house prices actually are, or wait for the property to come down, now that is a scary thought indeed.

About the Author:

Mortgage Route gives information help and mortgage advice from qualified mortgage brokers along with no obligation mortgage calculators and sourcing tools.

Will Pre-Settlement Lawsuit Funding Work For You?

By Frank Desaille

If you are in the process of taking an individual or company to court to claim compensation after an accident or other incident then you probably already realize that this can be a long and drawn out process. Although you may have a fairly good idea that you will get some money in the end that isn't necessarily much help to you now.

The problem here for many people in this situation is the fact that they actually need cash right now. The accident that they had, for example, may mean that they cannot work or that they need specialist care and attention. A bit of cash coming in at this stage can often seem more useful than the later settlement itself.

Many finance companies nowadays have therefore started offering funding to help people in this kind of situation tide themselves over financially until their lawsuit is settled one way or the other. Here, the finance company looks at your case, assesses the likelihood of you winning it in the first place and then, if things look good, they may agree to advance you a specific cash sum to help you out.

The finance company here has to take the risk that you will actually win your case. If you don't then you shouldn't have to pay back the cash advance(s) that it made. The money is made here by these funding companies when and if you win a settlement.

So, if you do win then you will have to pay back the money that was advanced to you as well as any fees that were levied for giving you the cash in the first place. Measures have been taken here to make sure that you won't be out of pocket. So, for example, if you took a higher sum of money as an advance than you win then you will only pay a proportion of it back.

The downside of this kind of arrangement is the fact that the fees that can be charged can be relatively high. Paying back your advances and your fees could see a high proportion of your actual settlement eaten away. The fees charged here are high to reflect the risk taken by the finance company that you might not win at all and they might not get all or any of their money back.

If this, however, seems like a good option to help you out of your fix then do make sure to take legal advice before you choose a company to use. It is also really important to check how you will be charged and how the company's fees work. Some finance companies here, for example, will simply charge a fixed fee that will apply no matter how long your lawsuit takes. Others may charge a monthly fee which can work out more expensive in a long lawsuit.

So, shop around to see what kind of cash advances you could potentially be offered and how much they will cost you in real terms. Your lawyer may be a good place to start here as he/she may be able to put you in touch with a reputable firm.

About the Author:

Frank Desaille helps people find out about structured settlement payments at his website on securing a structured settlement loan.

Information about IVA.

By Mr Tloot

'IVA' is the shortened form for Individual Voluntary Arrangements. If you have a massive amount of debt that you have to repay and the people you owe are bullying you to repay or go to court, then there are two options available to you. You can either submit an application for insolvency, or apply for IVA. Declaring insolvency can be very stressful and the creditors will take over your assets and sell them. This would result in you losing your home, car, and any other assets that you have. You could virtually end up on the streets.

If you submit an application for an IVA, this is how it will go: If your IVA application is approved, the company through which you apply for an IVA will send an application to be filled out and returned to them. After this, they will summon you for a meeting and review the form with you. If they think that your debts can be repaid without you having to sell your assets through a debt repayment program they will apply for processing your IVA application.

After the IVA application is accepted, a meeting of all the creditors will be called. This will happen in about 2 to 3 weeks time after acceptance of your application. In the meeting, the creditors will have to agree to the repayment schedule. If 75% vote in favour of accepting the terms and conditions of the IVA, the others will be bound to accept them.

Now after the acceptance, the business or individual who has negotiated the agreement will be the guarantor of the agreement. So, in place of making many differing payments to all the creditors, there is a single payment that will be paid every month.

The advantages of applying for an IVA is that it stops your assets from being sold or taken away from you if you are a partner in a company or a sole proprietor or a working person, you can carry on with your work without any impediment. Also, you are free of all the creditors' threats and visits. Hopefully, at the conclusion of the term you will have cleared your debts and retained your assets.

An IVA is a preferable solution as compared to going bankrupt or playing a balancing act between creditors. One more benefit, and perhaps the largest, is that the increase in repayment amounts stops. This means that no more interest is added towards your payments. In a few cases, a good IVA handling company might be able to get your debts reduced. You may also be able to apply for a new mortgage while repaying an IVA. Also, the biggest advantage is that you will not lose your home or any other assets.

If your earnings increase greatly, the IVA may renegotiate with the creditors and get the repayment schedule cut down, and in case it reduces it may get extended. So, no matter which way your salary fluctuates your debts will remain the same.

There are definite advantages to getting an IVA, especially if one has accumulated a lot of debt and has creditors harassing them. The first advantage being that you don't have to stop your business, secondly you don't lose anything, and thirdly there is just one monthly payment that is to be made. Furthermore, in a few years you will be free of all your debts.

About the Author:

Applying for an iva is an important step and one you should not make alone. There is no shortage of debt professionals available to give you advice. Another important thing to consider is getting advice from a reputable source. Problem debt can be a source of a huge amount of debt, but help is available and the worst thing to do is nothing.

Cell Phones - Finding The Right Cell Phone Minute Plan

By Aaron Siegel

You see the cell phone plan deals and minutes offered in advertisements. Whether it may be television, newspaper, magazines, or radio we all by now have seen the minutes offered with family plans and so forth.

Of the most popular plans, the 1,000 minute plan is the most consumed by Americans today. It may seem like a lot of minutes however the reality is these minutes can easily be drained and cost you more in the long run.

A very important part of the decision process should be based on how many people are going to be using the calling plan. More importantly, who is going to be using your calling minutes. Are the users teenagers? How many of your children will be using the plan? Do you or your spouse frequently make calls? How long is the duration of most of these cell phone calls?

A somewhat simple way to calculate how many minutes you are going to need or may be lacking is to basically make some rough estimates of all possible user's monthly usage by rounding off into hours. Yes, hours not minutes.

In an Example:

Bob (Husband) 4 Hours

Sally (Wife) 3 Hours

Chelsea (17 Years Old) 5 Hours

Issac (15 Years Old) 4 Hours

TOTAL FAMILY USAGE: 16 Hours

With your combined monthly usage somewhat figured out you then only need to convert those hours back into minutes to compare against current minute plans. To do this you simply only need to multiply your hours total by 60:

16 hours x 60 = 960 Cellular minutes

The end result will be the amount of minutes you expect to spend on your cell phone plan each month. So with this family using 16 hours a month we have come up with 960 minutes.

In this particular situation 1,000 minutes actually makes sense, if the estimation holds true to the actual calling patterns. Should the calling go over the minutes however, a family can expect to pay an upward of .50 cents per minute for any over time so it is important to not underestimate usage.

In all cases, the easiest way to pick a plan, especially for a single cell phone plan is to divide any plan minutes by 60. Dividing by 60 you are dividing the minutes giving you an answer that equals in hours which gives you a more realistic look at how much you usage you will be utilizing.

I have added some popular plans converted into hours for some easier deciphering. 3,000 Minutes/50 Hours 1,500 Minutes/25 Hours 1,000 Minutes/16.5 Hours 600 Minutes/10 Hours 300 Minutes/5 Hours

About the Author:

(c) TopSavings.Net - Shop discount Cell Phone plans and Internet Phone Service for your family or business online and save. We offer daily savings on many everyday communication products.

Frugality - Tips For Checking The Obvious

By Donna Burr

Money-saving tips are something most people can put into practice and save hundreds, even thousands a year. They will improve your personal lifestyle and stretch your money .

One practical tip is to secure your personal checks on-line. You'll save 50% off what a bank charges and you'll get a more expansive choice of categories and designs. You can also save more than $100's a year in fees by choosing|selecting) a free checking account or one with no need for a minimum balance.

One big area of possible savings, if you own a home, is on property taxes. Most homeowners don't realize that property assessed value does not equal fair market value. The way to win a property tax appeal is to: Acquire the sales ratio or equalization rate. This may also be called by other names. Divide the appraisal by the sales ratio to find what the "true" market value that the tax assessor placed on your property. Go to the the local real estate broker and get a a handful of comparable property sales that are equal to yours in size and locale. You need Xerox copies of MLS ( multiple listing service) home comparable sales information since it has "buyer" focused information you will not find in automated sites that you need to make significant modifications for age, updated kitchen, bath, new roof, decks and other similar items. Compare your comp "sold" value to the "true" market value that the tax man placed on real estate and appeal your property if there is an imbalance.

Your car is another area of savings. A tuned engine can improve gas mileage by 4 percent, accurately inflated tires by 3.3 percent, proper grade motor oil by 1-2 percent, clean air filter by 2-6 percent but, if it is real dirty, up to 14 percent.

Check for auto insurance quotes at the National Association of Insurance Commissioners website or ask friends or the Yellow Pages. Also look through consumer guides, insurance agents, companies and insurance quote services on the internet and compare similar plans. Compare against your current policy. Often, using the same insurance company for multiple policies will get you 10 to 15% off your premium.

With credit cards, avoid incurring late payment fees and potential interest rate increases. Send in your payment a week to ten days before the statement due date. You do not want to risk having increased fees and interest rates on other cards. Whenever possible, avoid finance charges on credit cards.

Many people save a bundle of money a year by shopping at lower-priced food stores. Go with a list, scour sales papers, and purchase basic ingredients, rather than pre-packaged, ready-to-eat items. Also, stock up on those items with low per-unit costs.

Save money by eating at home. Order water to keep the bill low. Eat appetizers or lunch portions or, if it is a large portion, think about taking leftovers home for another meal.

About the Author:

Save more money when you buy checks online. You can save fifty percent off what the bank charges for personal checks when you next reorder checks online. You'll find that besides getting an enormously bigger selection, youll get the same or finer designer reproduction at half off at: Reorder Checks Online

Where Are You Financially In Real Estate?

By C Bolden

The most important step in starting any goal in Real Estate is knowing where you are financially. You want to start off preparing a financial statement which is basically how much you're worth. The best way to create your financial statement is to take a piece of paper and divide it into two columns.

In one columns list all your assets; in the other column, list all your debts. Then subtract your total debts from your total assets. This will give you your net worth. This is one way to prepare your financial statement balance sheet. This is a good review because it's very important to build a balance sheet and understand your net worth. If you want to build and retain your wealth, you must focus on both.

Next you want to think about an income statement because you want to know how much money you have rolling in. If your income exceeds your expenses, you have a positive cash flow. If your expenses exceed your income, you have a negative cash flow. Until you prepare an income statement, you may not know where your money is really going. The way today's economy is going - believe me you dont have the time to know not where your money is going.

To prepare your income statement, get a sheet of paper and divide it into 2 columns. Column 1 is sources of income. Column 2 is your list of expenses. What you would want to do is list your income on a monthly basis. When you subtract the second column from the first column, you get a sound look at your net positive or negative cash flow for the month. You can also do an annual report by keeping track of your monthly report.

Now that you know where you are financially, you can set goals for where you want to be within a realistic time frame. This way you can make changes, reevaluate and create a plan to get where you want to be maybe one, two or ten years down the road. What you also doing is creating a easier blueprint for your success, so you want to lay out your plans in as much detail as possible.

What should happen is if you continue with this method of knowing where you are financially in real estate, one of the most rewarding experiences is you'll be able to look back on your goals you set financially five, ten years later and see how many of them you have achieved.

Knowing where you are financially you can achieve goals withing your specific time frame. This will also help you make new achievements that will far exceed some of the goals you have created in a shorter time frame.

It's so amazing the power of keeping track of knowing where you are financially in real estate. Your mind will immediately begin working on knowing where you're at and influences your daily actions toward your success. So I will say keeping track of those columns are an essential part of your achievement personally and professionally in real estate.

About the Author:

Colon Bolden is a top income earner in the home based business industry. Colon works with entrepreneurs around the world. He devotes the time, energy, and effort into his team and works with them to ensure their success. If you're looking to create wealth online, visit Colon's 2x2 Prosperity Formula website.

What Is A Structured Settlement?

By Allie Sanchez

Structured settlements are types of compensation payouts that are specially designed to give a series of regular payments rather than one big one. This method of making compensation payments is very popular with the companies that are legally obliged to make them -- whether they themselves accept liability or whether they are ordered by a court to make a payment.

The reason that structured settlements suit many companies that need to pay compensation is basically all about their up front costs. If an insurance company, for example, is ordered to pay you $1 million after an accident then they technically have to find this money to pay you outright once the ruling has been made by the court.

If, however, you accept a structured settlement payment that gives you a set of payments of $100,000 a year until the settlement is done then the company has lower initial costs. Here, they will generally buy annuities that take their invested money and pay out the income to you according to the terms of your agreement.

For many people, getting a regular set of payments is more attractive than a lump sum as they simply find this more manageable than having to deal with investing a large sum of money for themselves. It can actually be less stressful for them to deal with a regular smaller payment. This kind of settlement can also be made before a case goes to court, allowing you to settle your case without the need for court time and costs.

You can also work to set up a structured settlements agreement to suit your own financial needs. Some people, for example, like to have a payment made every year whilst others will accept payments every two years or to some other schedule that suits them better.

In some cases you can go down this settlements route but then decide that you actually would quite like a lump sum payment instead. If this happens then you can look at selling on the annuities that are the investment base of your payments here to a third party.

By doing this the third party will make a lump sum payment to you in return for your annuities. They will then retain control of the annuities themselves and will be given any benefits that they pay out according to your original schedule. You can look at selling just part or all of your holdings here depending on your preference.

It is important to try and make sure that you get qualified legal advice before agreeing to any structured settlements agreement. You need to make sure that the agreement gives you the best possible terms and you may find the help of a structured settlement broker useful to you in this kind of situation.

These brokers are specialist advisors who can work with you to negotiate and broker the best deal from the company that has to pay your compensation. They are not to be confused with other kinds of structured settlements brokers, however, who purely work on helping people find buyers for structured settlements that are already in place.

About the Author:

Allie Sanchez helps people learn about selling structured settlement at her website on selling structured settlement.

Why Use Social Networks in Business

By Mad I.M Marketer

The Internet has brought a lot of new ways of doing business and marketing. The ability to reach out to millions of potential customers around the world has change many business and created new forms of it.

But as technology evolves, the way we do business also has to change. Otherwise we are doomed to fail. As one of the biggest changes in the evolution of the Internet are social networks. The way people interact online has changed, and we know see the Internet not only as a information medium but as a community of people.

Communication with your customers is not a new idea in business. To be successful a business has always had to listen and respond to their customers - communication is key. However to establish such communication has always been a difficult task. The methods used to do that are time consuming and expensive. Every business has their methods which aim to make that process as efficient as possible but it's nowhere near perfect.

The Internet as medium has improved communication process. But the process is essentially the same and its effectiveness has decreased as it's been used more widely, it's become a standard. Social networks have come as a new and a lot more powerful way to reach and engage the customers.

Social networks engage the users, they become constantly interested in your services. Think of it as a party with good friends, it's much easier to communicate than the formal, distant way. To achieve this and create such a community is every marketer's dream. Not only to have a hungry crowd but to know their every need, to be able to give them what they want and make money from it.

However there are obstacles to overcome. Finding and building a community is a difficult process. These communities often already exist in the big networks, but to access them you have not only to gain their trust, but to work under the strict rules.

About the Author:

To address that there are solutions for businesses, such as Niche Socializer, allowing to implement social marketing.

Understanding Federal Student Loans

By Richard Greene

Student lending takes many forms nowadays and many students need so much money to see them through their college years that they end up taking out loans from various sources. One of the most commonly used options here are Federal loans programs. So, how do these loans work?

Federal student funding is basically a lending program that is backed by the government. This was set up with the aim of giving students access to low cost loans with set terms. The interest rates and fees given with these kinds of loans are set by the government and participating lenders have to adhere to these levels.

One of the big advantages of taking out these kinds of loans is that they come without credit checks and, unlike many private lenders, loans companies here will not require any collateral guarantees before they will give you funding as the government will usually guarantee the loans against default. There are various options within this program.

One of the best known schemes here is known as the Stafford Loan. This scheme allows students to take out Federal Loans either from private lenders who participate in the scheme or direct from the government itself. There are also options for parents to take out loans for their child's education such as the PLUS (Parent Loans For Undergraduate Students) scheme.

Another option here is known as the Perkins Loan. The lending system here is backed and funded by the government but the actual loan is given by the college that you attend itself. Loans here tend to be given to students who are suffering from specific financial hardship.

Most Federal based loans will give you a variety of repayment options. If, for example, you take out a subsidized loan then the government will cover your interest costs while you are at college. This kind of loan is reserved for students whose families are on lower incomes. An unsubsidized loan will give interest responsibly to you but you can defer your repayments until you have graduated. This particular loan is open to anyone.

In most cases you will not be expected to start repaying a Federal loan until a specific point after graduation (usually 6 months). If you take up a student loan consolidation program then you can change repayment terms in most cases if you want to make alternative arrangements.

Federal student loans do not give you an unlimited pot of money to borrow so they may need to be supplemented by private loans. These loans will generally cap the amount of money that you can borrow based on factors such as your status, your family finances and the subject that you are studying.

Remember that it is always worth shopping around to find the best deal even with Federal student loans. The lenders who participate in this scheme cannot exceed the interest rates and fees that are set by the government but they can make them lower than the capped levels. So, you may be able to save yourself some money here.

About the Author:

Richard Greene helps people learn about federal student loans consolidation at his website on the best student loan consolidation.

Discover How The Pros Make Money With Penny Stocks

By Grant Dougan

If you see the term "Penny stocks" this is refering to stocks of companies that are priced at incredibly small prices. Many people are attracted to these shares since they require only a minor initial investment, however it's essential to note that you have the risk of the share value tumbling to nothing. Although there are some risks taken in these kinds of shares, there's also a sizeable prospective for sizeable gains.

Choosing penny shares correctly means that you must have an unbiased appraisal of the organization's business model. Similar to choosing stocks of any other kind of publicly traded business, it's appropriate to read up on everything about the organization. This relates to knowing what the company do, the product they make, what products are offered, how their business plan functions and who they are competing with.

Something that makes penny stocks so intriguing is the idea that most of the companies issuing them are extremely simple. A typical sort of penny stock is a mining company that benefits when the cost of the resource it produces increases above a certain price. There are also oil exploration stocks that are valued in the same way.

As you might guess, penny stocks are considered to be high risk investments. Unfortunately there's always the risk that the company won't survive even with proper research.

Keep in mind that the financial reporting guidelines for penny stocks aren't typically as rigid as shares on national exchanges. One sort of penny stock is referred to as the Pink Sheets, there's almost no regulatory standards on penny stocks, no minimum accounting guidelines or reporting guidelines.

Because of this this little or no regulation, this kind of share is very vulnerable to being manipulated and unfortunately even fraud. A well known common schemes is called referred to as a "pump and dump" - investors manipulating the price of stocks to jump up and then sell all of their stocks at once and leave other people out big money.

Don't let the above scare you off these sorts of shares! Penny stocks always have risks but also hold a sizeable potential for a large gain. There are lots of real, legitimate small organizations, and they have to get going somewhere. Tons of organizations that are classified as penny shares are headed to be a success in the future. Anyone who can spot out a valuable penny stock will get a large reward.

Remember that finding the right penny share will make you a sizeable payout.. Even if you were to lose on most of your penny share selections, the one winner will be such a great profit that you'll not remember about the ones that didn't work.

About the Author:

Make use of these penny stock tips and you will find yourself making great money trading penny stocks. Click Here to learn about a penny stock trading system that has been generating huge profits for it's users!

Do Not Mess Around With Payday Loan Lenders

By Sarah Bennet

A paycheck loan is a way out of an emergency cash situation. Maybe you can't use a credit card for whatever reason. If that's the case, you can get money within 24 hours with a payday loan. The money you get via the payday loan can be used to pay off your bills and you use your next paycheck to pay off the paycheck loan plus interest.

A paycheck loan is perhaps the quickest type of loan, but it does have very high interest rates. Because of these high interest rates, use them only for emergencies. If you wait just a little bit longer and loan money in a different fashion, it's almost invariably less costly. The paycheck loan interest rate is high to start with, and will rise to extreme levels when you don't pay on time.

You will have to pay off your payday loan on time. If you do not pay on time, you will get into pretty high interest rate situations really fast. Don't skip out on payment. If you took a payday loan for three hundred dollars, it wouldn't take long to be looking at a nine hundred dollar burden.

If you determine not to pay that amount of money, the lender will go to court. A payday loan lender has been in these situations before, so have no doubt that he will go the whole nine yards. . If the judge decides the paycheck loan must be paid back, which is highly likely, you will have to pay back the loan, plus interest, plus extra costs for court. Your $ 900 debt just turned into a $ 2.500 obligation.

Maybe you can't pay make that immediate payment. In that case, the lender will get a lien on your house. If you don't own a house, they will get a lien on your personal stuff. They will do whatever it takes to collect their money. In some states, not paying back your paycheck loan can get you a one way ticket to prison.

Be sure you can pay back a paycheck loan on time before you send in the contract. Don't just close one out of financial desperation, because your situation will get even worse when you don't pay back on time.

About the Author:

Sarah writes about financial matters and loans. She also writes about minikrediet and minilening in Dutch.

What Does A Tax Lawyer Do?

By Richard Banbury

Tax lawyers are probably most often used by businesses rather than consumers although the services of a good lawyer with this kind of expertise can be useful to consumers if they are having problems with taxation authorities. But, in general terms, if a consumer needs tax advice when it comes to filing a tax return then they will generally use an accountant in the first instance.

This isn't always enough for a business, however. Here, an accountant can help you meet your tax obligations as a company but a tax lawyer could add something extra to the mix. From a planning perspective, for example, tax lawyers can simply help your business make sure that it has the kind of structure and operating procedures that minimize the amount of tax that your business will have to pay. Your lawyer here will work to make sure that you are meeting your business tax obligations from a legal perspective but will also try and keep these obligations to the lowest possible cost.

One of the big advantages to using the services of these kinds of tax specialists is the fact that they have a deeper understanding of the kinds of business taxes that your company may be liable to pay. They can also make moves to make sure that your company reaps all available tax benefits in the most cost effective way and that it does not end up paying too much in tax.

Do bear in mind that there are different kind of taxation issues in play here and not all tax lawyers may have expertise in all areas. In some cases, for example, you may find that a different kind of specialist lawyer can give advice on tax issues as they relate to his or her field. So, an employment lawyer may also be able to advise you on the tax issues that your company needs to consider from a payroll point of view.

In some instances companies and individuals may retain a tax lawyer on a regular basis or may even employ them in house in the case of large corporations. In others you may only need to call on this kind of lawyer for advice when you are planning the structure of your business or when you have a personal problem with a taxation authority and need qualified representation.

In some cases you may also find that your lawyer here has other business qualifications such as an accounting degree. This extra experience can be worth looking for as it means that you can get the best levels of advice from all angles when it comes to taxation issues. So, a lawyer who also has a CPA qualification could be useful in this instance.

At the very least you should check that any tax lawyer that you might use has all relevant qualifications. These include a law degree and admission to any regional legal body such as a state bar. You will often also find that many lawyers in this field will have taken time to gain specific tax qualifications such as a master's degree.

About the Author:

Richard Banbury helps people learn about personal injury lawyers los angeles at his website on personal injury lawyers los angeles

How To Avoid Credit Problem

By Landon McGehee

Credit problems are rampant. There are countless commercials on TV for credit repair companies, most everyone you know has had some sort of credit issue, but so far, youve been lucky " or maybe not. Today, well explore three of the tell-tale warning signs that signal you may be in need of credit repair, and then well outline some of the most successful solutions to help get you back on track.

Warning 1 - Know the score! Your credit score says more about you than you may think. Your credit score has a major impact on everything from interest rates to insurance premiums. For practicality sake, lets say your credit score is 600, thats pretty good right? WRONG! Unfortunately, any credit score under 720 is considered problematic and could use some repair.

The credit scoring range extends from 300 on up to 850. If you have a credit score of 850, you have the golden ticket! High credit score equals low risk to lenders and insures they will provide you with the best possible interest rates. Experian, Equifax, and TransUnion are the three main credit bureaus and their sole purpose is to collect information from companies that give you credit. The information is then analyzed and used to write up your credit report, wherein your credit score is derived.

Warning 2 - Dont be so negative! Although it may have been a long time since you were late with a payment or went delinquent on an account, your credit report may still be holding a grudge. If you havent taken steps to guarantee your credit has been cleaned up, those late payments and delinquent accounts can take as long as 18 months to clear off. The really bad news is that each negative entry on your credit report will pull down your credit score.

Warning 3 " You got troubles! Imagine youve gotten a raise in pay and youre ready to trade in that old beater for something new and shiny. Youre talking things over with the finance officer at your local car dealership, when, much to your surprise, you learn your payments will be a lot higher than you thought they would be. As you sign the dotted line, you begin to wonder why youre going to be writing a monthly check for twice what you calculated. Well, If you have difficulty getting a decent rate on loan for a new car, you may be in need of credit repair.

These are three laymans warning signs that indicate your credit might not be as great as you thought. If you think you may be in need of a little credit CPR, all it will take is some patience and perseverance. Most people can tackle credit issues themselves like getting debt consolidation loans, but if you dont feel confident doing this, or your problems are more severe than you can handle, there are a few respectable credit repair companies that, for a nominal fee, will take on your credit woes for you Keep on your toes when it comes to your credit. If you spot the warning signs, go on the offensive immediately. Your finances and your credit rating plus your secured loans will be happy you did!

About the Author:

Today is the perfect time to find out more about secured debt consolidation loans. Drop by today at http://www.everlife.com/debt-consolidation-loans.php.

How To Learn Forex Currency Trading

By Jacob Rahl

It used to be impossible to trade Forex without actually being on the trading platform itself, but nowadays you can work from your office, or at home, using the internet. If you're interested in learning how to trade forex online, you shouldn't have any trouble finding a training course to teach you.

The recent advances in communications technology, particularly the internet, has changed the way trading is done - making it far easier to do, and far easier to do wrong. If you want to learn, you can either teach yourself - taking a huge amount of time and effort - or you can take an online course, which may be free, but would probably charge a minimal fee. This is more then made up for though by the savings in time and effort, and if you become a good trader, you will consider it well worth the cost.

Before signing up for a trading course, you need to consider things like:

1. Does the company offering the course have a good reputation? Do you know them?

2. Why is the company making the course available?

3. Does the company want you to join a membership site?

4. Are they trying to get you to invest money? Or to use specific tools or software?

From your answers to the above questions, you should be able to figure out whether the course is worth doing or not.

The trading course you select must offer a high standard of education, and the information shouldn't be available elsewhere. Some traders think they can find all the information they need for free online, and they probably can. You need to decide whether you would rather find the information you need yourself, which could take many hours of searching, or pay to have everything you need delivered at once.

Before choosing a trading course online, try to check Forex articles and expert advice posted on the internet for free. You can even join Forex forums and discuss Forex issues there. You can meet fellow traders who can provide you with useful info on how to trade effectively and wisely.

A good trading course should be able to provide you with different kinds of views from different established companies. It should not concentrate mainly on how a certain company conducts its trade. Look for reputable companies and firms that offer excellent trading courses. With a bit of research online, you will surely find the course that you?re looking for. Since you?re going to pay for the trading course, it should teach you everything you need to know about Forex trading which includes developing a trading system, using trend indicators, signal generators, flow charts, and many other things. The course should also teach you about the best trading software programs available in the market today.

Start looking for the best trading course online. With a very minimal fee, you can already gain priceless knowledge that you can use when you finally decide to enter the Forex market. Now, Forex trading will not be very difficult for you.

About the Author:

Jacob Tremblay is a long time stock market trader, who is now working on forex trading. Click here to visit his site, where you can find forex currency trading reviews of some of the best software to learn forex trading.

Managed Forex Account - What are The Pros and Cons?

By Ryan D. Moxie

The decision to invest in a managed Forex account can be a difficult one. This is a significant decision just like any investment you might make. The big difference in this investment compared to others is the leverage used.

The leverage is actually borrowed money that the broker has given you. Because you are borrowing money you give them the right to close any trade as they need to protect themselves. If you agree to this then sign up and start trading.

Once you have decided and are ready to start there are three types of accounts you can get into: standard, mini, and managed. They each have their ups and downs and it is up to you to figure out which one is right for you.

1. Standard. This account is the most used type of account. You will be trading lots equal to $100,000 per trade. With leverage you will not actually be putting up this much money but that is the amount used in the trade. Typically you will have to put up $1,000 per lot to place the trade.

Pros Service - Many brokers will give perks and service to investors who choose this option as you are investing more money. Gains - possible profits in this type of account are much higher because of the high amount invested.

Cons Capital - Their is a much higher requirement of capital to open an account as you will be trading large size trades. Losses - Because of the larger size of each trade your potential losses are also great just like the possible gains.

2. Mini - This account allows money to be moved in blocks or lots. The mini lot is roughly $10,000.

Pros Risk is low - Since you trade in blocks of $10,000 traders who have no experience can trade without going through the entire amount. Those who have experience can test new strategies out. Requirement Capital is low - the account can be opened with as little as $250 through $500.

Con Reward is low - when you don't risk much you don't get much. This is a type of account for those beginning in the market.

3. Managed - A managed Forex account is where the capital in your account is yours but you do not have the decisions to buy or sell. Professional traders will place the trades for you.

Pro Pro trader - You will have an experienced trader who will be making the trading decisions for you. This means you do not have to watch the market all the time.

Cons Capital Requirement - Each managed forex account will have a minimum amount required to invest which can range from $5,000 to $100,000. Fees - You will have to pay a percentage of your gains each month to the account manager and this can range from 20% to 50%.

Be sure to do lots of research before making a final choice. It is up to you to figure out which option best fits your needs. It is your money and the final decision is yours.

About the Author:

Ryan shows you how to make profitable forex investments with a managed forex account.

Are Virtual Credit Card Numbers Safe Today?

By Kermil J. Fogarth

Just having received the bill for a credit card I haven't used since receiving it several months ago, imagine my surprise to see that I had made some purchases. Now, bear in mind that this card has been in my wallet since I received it seven months ago and still has the activation sticker on it. Yet, I managed to make online purchases of a train ticket in Washington DC, sign up for a monthly MLM program and purchase another travel ticket on hotwire. The card was received seven months ago and the charges only started in November. Is there any way this could have been prevented?

Throw away credit card numbers can be of some use here but probably wouldn't have prevented the above from happening as somehow someone got my name and actual credit card number. But for online shopping protection using virtual credit cards may be helpful - or they may lead us to a false sense of security. Just because I use a virtual card only once doesn't mean someone can't get the real information to use for their benefit.

This can be compared to the use of a disposable camera to prevent loss or damage to your expensive camera while you are traveling. A virtual credit card number can be used to prevent loss when making online purchases. In this case, the virtual credit card number is invalid after one use.

Since credit card fraud is so widespread we aren't surprised when it happens and the card companies are looking for ways to cut their losses. This must be done without inconveniencing the ability of their customers t make purchases either in person or online while protecting vital information. They are hoping that virtual card numbers will be the solution.

Virtual card numbers are used for online purchases the same way regular credit cards are but the number is only temporary. The number is generated on demand and issued as a replacement for the actual card number to be used for a short time period. Personal information is not sent to the vendor and these numbers may be single use or they may be used for multiple purchases for a limited time before the number becomes invalid.

Protecting the real number from felonious use is the objective with virtual numbers. Should a computer hacker gain access to credit card data from a secure processing center, your account number would be protected. When they attempted to use your virtual number they would be denied credit.

Everyone expects their card information to be safe and secure when making a purchase online. But there is the possibility, however remote, that an employee of the online merchant would sell card information to criminals. Of course this would make them a criminal as well but some people will do anything if the price is right and there is little possibility of them being caught.

Virtual credit card numbers protect your valuable information during online purchases. If a virtual number is stolen it is worthless or becomes worthless in a very short period. When making several purchases with your credit card a month you may realize a real benefit from using a virtual card number for protection and security.

About the Author:

Kermil J. Fogarth has extensive finance information available at his website. For more tips on protecting your credit.

Discussing Credit Counseling Options

By Chris Otelbenk

Many people are in debt, however not all of these are in desperate need of a credit repair service. If you over $1000 to a number of different lenders then you could be in need of learning about your options. You don't have to be about to declare yourself bankrupt in order to hire one of these firms to do the work for you.

If you owe less than $1000 then you should be able to improve your situation by yourself without having to employ anyone else. Simple lifestyle changes can make the world of difference to your financial standing.

Credit Counseling

All of the credit repair companies should promote all of your options, including credit counseling. This is a very important option which could improve your life a lot. Credit counseling are simply classes where you are taught how to look after your money. Humans do not have that many instincts when they are born, especially with the modern world. We do not instantly know how to look after our finances without learning from others or our mistakes.

Despite what people say you really can teach an old dog new tricks! It's never too late for anyone to learn how to look after their money. Remember it's the whole family that need to be educated, not just one person.

You don't actually need to go to a credit repair firm to learn about credit counseling sessions, you can find out about these on your own. If you're a member of a credit union, a student or in the military then you will have many of these options at your disposal. You could also talk to your bank to find out which credit counselors they suggest.

Some of these credit counselors can help over the internet or phone, but it is always a much better idea to visit them in their office. This will make sure you understand exactly what they say.

They can sometimes help you over the phone or over the Internet, but it usually best to go see them in an office, especially if you are easily distracted.

Methods

There are some important goals which you need to use in order to get yourself out of bad debt problems. You need to compile as much information as possible so that you can choose the best option.

Start by working out how much money you make each month Then work out how much money you spend each month Try to find ways to reduce these costs each month so that you have some money left over.

If you own more than one credit card then it's a good idea to get rid of all of the cards except one. This will reduce the temptation and interest payments. They may also suggest a consolidation loan, which will reduce the amount of money they need to pay.

About the Author:

Chris Otelbenk very often writes short articles on ideas related to credit counseling. You might discover his contributions on credit counseling and credit counseling on his site.

Getting Home Loans With Bad Credit

By Chad Wright

If you have had bad credit in the past and feel like you will never get out of the rut in the financial world and be able to get a home loan you are not alone. Though it may seem impossible, in all reality it is not impossible for you to get a home loan with bad credit.

One of the greatest changes that has been happening lately these days is that many lenders are recognizing your situation and doing something about it to help you get out of the bad history and get a home loan, even if you have bad credit. This second chance is great for you and it can give you a chance to rebuild your credit.

There are some things for you to keep in mind though while going about this process of obtaining a home loan. Because of your bad credit, you will be consider for special types of loans that are designed just for you. This may mean higher interest rates, but it also means you can have a second chance.

Because this is a time to rebuild your credit, it is important that you dont fall behind on any payments but stay in control of it all. Before you decide to get your loan, make sure that this is something that you will be able to afford and make payments on time. This may require a bit of budgeting on your part.

Something else for you to think about is that you will have more options than you may think. This means that even with your bad history, there will be more than one opportunity available to you. Make sure that you check out all of your options before making decisions.

Just remember that just because you have bad credit, does not mean that you cant get the right home loan. Make sure you do all of your research and check out all of your options and you can quickly be on the road to rebuilding your credit.

About the Author:

personal loans for poor credit

The Best Way To Modify Your Mortgage

By Ludo Wiegers

Modifying your mortgage is not as easy as many people say it is. The usual advice you hear and see on the Internet is: Call your lender, give him the news of your plans of modifying the loan and work something out. He'll be happy to speak with you. This may be a great fantasy, but it won't happen in real life.

When you call, you'll find that your lender will not be ecstatic to receive your request to change your mortgage around. He won't respond with a reaction to do you a favor by lowering the payments and the balance. What will happen is that he will either try to give you the run-around, or he cut you a deal that's going to be costing you a lot more money in the long run.

You can do your own mortgage loan modification. You'll need guts, tenacity and a little knowledge of the finance world. It's not easy, and it's not for everyone, but it is doable. The key to making a loan modification a success is to be tenacious. Most people that end up in foreclosure just weren't tenacious enough.

During the process of the negotiations for a mortgage loan modification, document every step. When calling in, push through to speak to someone that can actually help you with your request. If you are not convinced you're up for the job, seek assistance from a good, reputable loan modification company. Getting help from a professional will greatly increase your chances of success. Not only that, this step will save you a lot of work and aggravation.

Watch out when choosing your mortgage loan modification company. There are a lot of people that say they can help you when you want to modify your mortgage loan. There are not that many people that can actually help you. Be sure you know the difference. Don't part with your money too easily before you've verified that it's a reputable company.

About the Author:

Ludo writes about financial matters and mortgages in English. He also writes about hypotheek and hypotheek rente vergelijken in Dutch.

Debt Consolidation Loan for Bad Credit

By Cheryl Pierce

What can you do when you are deep in debt and your credit score is lousy? Many of us actually have hit this point at one time or another in our lives and it tends to overwhelm every aspect of our life.

But, there is good news. You can get help even with a poor credit score. The better your credit score is though, the easier it will be to get a debt consolidation loan. And if you are a homeowner, you can apply for a debt consolidation loan for homeowner.

What if you don't own a home and you have bad credit too? Well, believe it or not, there is still help for you. Debt consolidation lending companies are available to get you out of debt. You'll want to speak two one or more credit counselors so that you know what your options are. Make sure you do research on the debt consolidation companies before you make your choice of a counselor. Ask for references and find out how long the company has been in business. You want to make sure you're using a legitimate company that has your complete interest at heart.

Generally debt consolidation companies will negotiate your debt and handle the creditor calls for you. Many of them do this for a small monthly fee although others will charge you a portion of the debt that they save. The good news for you is this: 1) you won't be getting all the threatening calls any longer since your debt counselor will be talking to your creditors and 2) You'll be able to make one monthly payment that will be designed to fit within your budget.

The fact is, that even if your credit is low, you can still rebuild your life. Start making payments to the debt management companies and watch your credit score raise...and you overall life improve.

And even though a debt consolidation loan for bad credit isn't always available, a debt consolidation payment plan can be easily achieved, and it certainly is the answer for many.

About the Author:

For more details visit Debt Consolidation Loans for Bad Credit. Find out more about debt consolidation on our blog, Credit Card Debt Consolidation Company

The Difference Between Trading Stocks And Stock Options

By Dan Sewinski

In the stock market industry, the trade for stocks and stock options are often interchanged and many may be confused between the concepts behind these types of trades. However, what you should know is that these two have very different characteristics from each other, and using them interchangeably can be very lethal if you want to engage in the stock trading game.

You can be guided on making a smart business decision on which particular trade you would actually want to make your investments,knowing the difference between these two would not only save you on making serious trading mistakes.

By definition, stocks are actually shares of a particular company that can be traded through the act of buying or selling by an investor. If you happen to own a particular stock from a company, you are entitled to certain rights, which may include a profit share from earnings. You may also have the liberty to sell your share of stock if you no longer desire it.

The stock option is not the stock or share of a compnay, it is the rights of the stock. You can sell or purchase the stock at a predetermined price with a time frame, but you do not get the profit from the company.

When you sell stock options, you are actually creating a certain degree of security for the company as well as for yourself. In this way, the parties involved can make sure that money is actually made to the frequent trade that happens.Take note that in doing transactions for stock options, there will always be a buyer and a seller, and this may not always hold true when compared to stocks.

In comparing the benefits of trading stocks and stock options, many experts would claim that stock options might be a promising gamble for companies and individuals, especially if you have adequate experience in the trading game and can substantially use very good strategies to survive. However, the same results might not be expected if you are only a beginner.

Therefore in trading options, there are fewer risks involved on the part of the buyer, especially when it comes to the possibility of losing a lot of money. And it may even give promises of profitable gains.What makes a lot of experts prefer options trading is usually because in this particular trade, no matter what would happen to the underlying security, an option buyer cannot lose to more than that of the initial price paid for the rights.

But on the other hand, the seller may experience greater risks. There may be a possibility that one has to deliver or take deliveries of the stock shares. Unless the option is actually covered by a different option, then the seller may end up losing much more than the stock options original price.

If you are not very familiar about how to prevent numerous losses, then you should practice the traditional trading of stocks as it is much simpler.

Just make sure that you take the time to understand concepts and strategies behind stock options before you actually start trading.However, if you do believe that you can manage then options trading may give you many promising positive results.

About the Author:

Wouldn't it be nice if there was an easy-to-use day-trading robot check out this truly unique day-trading robot review right here.

How to make big money

By reklicom

And if you already have an internet business making money online, as I do, this excellent information will take you to the next level. The advanced sections of his system show you how Corey increased his profits dramatically. For more info9rmation logon to www.website-conversion-mastery.com .It will take time to go through this package and really get a total grasp of all his techniques and strategies. After all, it contains two binders of lessons plus the three CDs and the four guidebooks. You may be a little confused at first but reread it again because it will all make sense.

This review is meant to be a useful, educational and an instructive resource for anyone interested in making money online with proven internet marketing strategies.This package is not a quick fix as I said. It will take time and patience, but it was worthwhile for me.

I feel completely comfortable giving the Insider Secrets system a 9 out of a possible 10! It is 1,300+ pages of step-by-step lessons containing the exact internet marketing strategies Corey personally used to build a highly successful internet business. If you follow this plan like I did, you too will build a business on the internet, in a reasonable period of time.

Prevent the waste of resources - For every dollar you agree to spend in your business, ask how it is going to bring $5 or more worth of income back into your business. Carve out a percentage of the income every week to fund a promotional budget and then figure out the most effective ways to reach your customers within the budget. It is no laughing matter when the income you worked hard to earn gets wasted on things that do not give you a return on your investment. Repeat succesfull promotional actions - Look back at when you were last making the most sales. Find out what your successful actions were at the time and do those actions again.

Lets start with a look at the "manufacturers suggested retail price." Sometimes also called the "list price," what does this really represent. In theory, of course, it is the price that the manufacturer suggests to the retailer. In practice, it is generally the maximum price a retailer can charge. (Who really wants to buy something that is priced higher than the MSRP?)

There is another price that manufacturers suggest to retailers, though. It is the MAP, or "minimum advertised price." This is not an absolute minimum that retailers can sell for (and they certainly want to sell for more if they can), but they risk upsetting suppliers if they sell for less than this. How can a manufacturer convince a retailer to carry a product if competing retailers are selling it so cheap that it is difficult to make a profit on it?

Fashion designing: If you love clothes and designing them by yourself, then fashion designing might just be the job for you! You could start your own website where you propagate your services online. Once you gain more experience and popularity, you can easily make at least a five figure income each month. If you have always been curious on how to make money then fashion designing is one of the best professions to make it big online. It would help if you had some prior qualification on fashion designing. However, even if you dont it doesnt matter because if your work is good, it will speak for itself. Once you start gaining more clients you can know how to make money easily and quickly.

Short sales are not only features of an upscale market; they also offer buyers the chance to close profitable deals in a downscale scenario. In fact, their presence in every kind of market condition allows investors to survive hanging trends and economy swings. Short sales are expected to rise extensively within the next couple of years, when the real estate investors would deal envisaging the scarcity of land and a higher demand for it.

Promote to your market - There is an art to promoting something so that it will be responded to by your customers. Promotion does not necessarily mean offering a discount. It's more important to find out why a customer wants or needs what you have to offer, and what they will base their buying decision on. Price may not be as important as fast delivery and dependable service.

Do you want to learn the secrets of how to make a living online? There are plenty of people offering their secrets to help you make more money online. The only problem is that as you trawl around the web searching out these secrets you soon discover they aren't secrets after all.

About the Author:

Mini Bank System! Build Your Capital With Credit Cards! Money Secrets Please visit us! Increase your pagerank! one way links Don't spend hours contacting other sites! Please visit us.

Good Business and Personal Loans

Money is always a problem mostly these days. Many people having not enough paycheck for their expenses and having a lot of debt. I am one of them and I have a lot of debt and when time is running I’m burying myself with debt I need a personal loans and found a site that can give me the best offer so that I can pay all my debts in a sec EZUnecured.com is what I’m talking about plus with its co-company BusinessCreditMagic.com I can business credit and start my own small business to get on track on all my bills and debts.

I am so glad to find these two sites! You can really trust BusinessCreditMagic.com when it comes to business loans and EZUnsecured.com when it comes to both personal loans and unsecured loans. They know what they are doing in the service they offer. The people there are very kind, experienced and they take their work very seriously to give you what you need fast and make it easy for you with stress free applications. You need to check out these two sites if you really need a good loan company where you can get cash fast and easy without stress. 

Visit their site at these addresses if you want to sign-up or know more about what they can do for you at www.BusinessCreditMagic.com and www.EZUnsecured.com.

How to Use Government Rights to Legally Fix Your Credit Report

By Rebecca Gray

The term "Credit Repair" might set off an alarm bell in your head. To the novice, credit repair involves all sorts of underground or illegal tactics. That is probably because there are so many contradictory "experts" and credit repair companies advertising there services on the Internet.

Whenever somebody tells you that credit repair is unquestionably illegal, you must think about the source of that information. Often credit repair is associated with deadbeats who are looking to skip out on financial obligations.

Credit bureaus are for profit companies. Two of the three bureaus are organizations traded on the public stock exchange. They must answer to their Board of Directors and share holders. Ensuring that your credit report is perfectly accurate cuts into company profits. That is precisely why they do not always share your interest of having a perfectly accurate credit file.

Youll find plenty of websites claiming that its not possible to fix your credit score, that credit repair simply isnt possible " or even legal. Of course, its in the financial interest of lenders, collection agencies, creditors and even credit bureaus to protect their profits and make sure that mistakes that show up on YOUR credit report are in THEIR favor. They want to collect, and they know that theyll lose money if consumers know " and pursue " their rights to legal credit repair.

According to the Fair Credit Reporting Act, consumers are allowed to dispute any item in their file for free, and request an investigation into any questionable entries on their credit report. The consumer reporting company (the credit bureau) and the information provider (usually the creditor) are legally required to investigate, verify, and correct incomplete or inaccurate information in your credit file. This is something that everyone is legally entitled to, and this is legal credit repair!

Credit repair should be more accurately labeled 'credit correction' since it really is a collection of techniques to ensure your record is accurate.

Removing a questionable item from your record is within your legal rights and can be accomplished by way of a dispute. After you file your dispute the bureaus and creditors must perform an investigation within a time period. If they fail to do so, the questionable item must be removed.

There are so many reasons for challenging negative items. For example, often a negative item may belong to another person altogether. Or, perhaps the item is a duplicate. In other words, different parties may be reporting the exact same debt multiple times on your files.

Credit repair can prove to be a confusing and overwhelming process - especially if the bureaus fail to acknowledge your requests. If this happens - as it often does - you may consider enlisting a professional credit repair law firm. If so, make sure to verify that the law firm in question has experience and a track record of satisfied customers.

About the Author:

Rebecca Gray contributes to local consumer advocacy journals, online legal directories, and consumer review web properties. Rebecca is also an advocate for lexington law, an inexpensive credit report repair law firm who's credit attorneys have established a long running track record of satisfactory consumer credit repair.

Dealership Tactic Tips When Buying Your Used Car

By Stuart Cartright

You will want to be able to make a used car purchase more effectively for you, and be an enticing experience that will enable you to get a deal at a dealership that is very favorable for you. In order to do this, you will need to know how to deal and speak with a salesperson in order to get the best price for your future vehicle.

A salesperson is a well-trained machine who will be wanting to seal the deal no matter what industry or sector they are in, they are there to make both their company and themselves some money, so they will be good at negotiation. When you purchase from them you will be adding to their commission, so they will be eager to sell something to each person that comes to the dealership. You should then be aware of some of the tactics that they may choose to use against you - using them against them to seal the deal.

Sales individuals will want to increase the amount of people who buy the products and services within their department as they want to attain and beat the targets that they have been set, so that they will be able to receive their bonus for the quarter. If you have a key focus on the specific car that you want when you visit the dealer, then you will make the sales person's job a lot easier and you will find that they are more helpful in your selection. When you go to the office, however, try not to be drawn in to buy something that you never did want.

You should leave home with a specified budget and be sure not to exceed these limits. If you do this, then the salesperson will be forced to work within your budget and will only present viable used cars to you that are within this budget.

You shouldnt be in a state where you havent made up your mind when you get to the showroom, as this is a good tactic that the salesperson can work on, meaning it will be more favorable for them to make your mind up for you and increase the amount of both time and cost you are willing to spend at the showroom. This may result in you purchasing a car that you didnt really want to buy or didnt like at first, but they will allow you to like the car by using certain key phrases and tactics, and allow you to place yourself in the car. Having the ability to resist these high pressure tactics and persuasion techniques, you will be able to throw the person off guard and clinch a deal that works in your favor " that will be the car you want and be the right price within the budget that you have set.

Having the information about the different types of model and colour of car that you have done previously and the prices that the cars are worth and sell for will be beneficial to you when you visit the showroom and want to make a purchase of the used car you see. Having this knowledge will put you at an advantage when talking through the deal with the dealer as you will be able to negotiate with them confidently. If you don't do the research though how will you be able to confidently negotiate with them and argue that their price is too over priced and how will you know if you are being ripped off? The internet is full of interesting sites that have a whole host of different information on cars and their worth - looking at the age of a car and the condition it is in, as well as how the wear and tear has taken its toil on the car. You should also be able to look at the different prices of cars at showrooms close to you and compare the different prices of the same model at different dealers - you will be surprised at the amount that they differ from one another.

So that you will be in a good position when you are talking through the deal with a salesperson at the used car dealers, you will need to also be aware of negotiation skills too. You will need to have these developed as the information will be good on its own but if you do not know how to talk to salespeople then you may not get a good deal in the end. You will also need to have some confidence when making your points about the deal. You will need to be able to stand out from the crowd and the salesperson recognize that you are going to be a good person to deal with. You will then be able to talk through with them and get to a point where you both have a sound deal and have the outcome that you want.

After all, when you are talking and dealing with a car salesperson, you are dealing with someone trying to do their job, but you should identify that they will want to increase their sales yield with a sale to you and also improve their commission paid each month. If you are firm when you are buying your used car, then they will respect that you want to complete the deal as much as you and negotiate with you until it is closed.

About the Author:

Stuart is a car enthusiast who likes to provide tips on buying a used car at his blog covering about used car buying tips. He also shares his views on dealing with used car sales people and where you can find other gems of current knowledge.

Why you should be Investing in No-Load Funds

By Samantha Asher

Making money through investing is not free. It might seem like free money because you don't have to go to work, do your job, and then get a paycheck. In actuality you are paying for it with your time. When you decide you want to buy some stock, you don't just think it and watch it happen. You have to find a broker, research the stock you want, and pay a commission. That is not free.

One of the easiest types of investments are mutual funds. With a mutual fund several to hundreds of people pool their money together. A fund manager uses this money to buy lots of different stocks and/or bonds. With some mutual funds, you have to pay a commission, usually as a percentage. For example, if you earned 9% this year and they charge a 2% commission, you will only earn 7%. On the other hand, you could invest in no-load funds and pay no commissions.

When you aren't charged fees, you save that money you would have normally had to pay plus, you can earn more income on that money you saved. The more you save, the more money you earn.

Invest your money and you put your money to work. When you save on commission, you have more money working and earning for you.

Investing also can cost you a lot of your time. When you buy a stock, you shouldn't just choose one out of thin air, you should put several hours into researching it. This is a cost of several hours for each stock. If you don't do the research, you are increasing the risk and possibly limiting the amount of money you'll make.

Just researching is not enough. You have to know how to research first. This will take a certain amount of time in education, whether through books or a college degree. It can take from 100 hours of reading and studying to 1000 hours of formal education. This is valuable time that could be spending at countless of other places.

Mutual funds save a lot of time. You don't have to research, aside from choosing the initial fund, and you don't have to know how to research. With a mutual fund, the fund manager, who is likely an expert, does all this for you. You save hours and hours of your time. You make the initial choice of a mutual fund and let the manager do the rest.

You could go with a loaded fund. Some claim they will get you a higher return, but they often don't. In the end, you earn less because you'll probably earn about the same plus you'll pay a fee. Investing in a mutual fund will save you a lot of time and money.

About the Author:

Do you want to invest in stock mutual funds? Find out further information no load mutual funds and start making more cash right away!

Fibonacci Golden Ratio Work In Forex Trading

By Richard U. Olson

Leonardo of Pisa, better known to us today as Fibonacci first introduced what we call the Fibonacci sequence to the west in his 1202 book Liber Abaci (the sequence was already known in Indian mathematics). He stumbled upon this sequence while attempting to estimate how many rabbits he would be able to breed in one year based on his knowledge of their breeding habits. This mathematical model is used by Forex traders today.

Mistakenly many individuals consider mathematical abstraction as frivolous; however it is rooted into real world mathematical applications. The Fibonacci sequence is useful for making us aware of and then explaining those hidden patterns around us daily.

It works really well while investing. Why? Well, based on the mass behavior of investors there are various hidden patterns in the stock market. Perceptive investors know this. Investment aphorisms such as "The best time to buy is when there's blood in the streets" and "Buy low and sell high" work well. However, they also relate to understanding the investment markets hidden patterns.

These patterns cannot be seen by a day to day observation of market conditions, but reveal themselves when you step back and take a look at the big picture. Short term fluctuations in the market are nearly impossible to accurately forecast. However, the trends which occur over time most certainly are predictable. Investors of all stripes, including Forex traders have used the Fibonacci sequence to plan their investments and make large profits in the currency exchange markets.

The Fibonacci sequence is a series of numbers in which each successive number is the sum of the two previous numbers. So it goes 1, 1, 2, 3, 5, 8, 13, 21, 34, 55, 89, 144, and into perhaps infinity. There are a number of interrelationships held within these numbers; for instance, any given number is approximately 1.618 times the preceding number, and 1.618 happens to represent the ancient Greeks' "golden ratio"--considered to be the supreme essence of balance (and balance is the ultimate key to successful investing).

The most common applications of the Fibonacci sequence for investment purposes are retracements and arcs.

Fibonacci chart technique involves three curved lines drawn for anticipating key resistance and supporting various levels as well as areas of ranging. First drawn is an invisible trendline between the two points of high and low for particular period of time. Next, three intersecting curves are drawn overlapping the trendline at the levels of 38.2, 50, and 61.8 percent according to Fibonacci. When the price of the asset crosses through these key levels, decisions of transaction are made.

In the world of investment, retracement relates to the reversal in movements of the price of a stock. An impressive reversal can counter the prevailing trend in the stock. Successful progressive investors focus strongly on the retracement patterns and possibilities. The Fibonacci method of retracement evaluates the prospects of the price of a financial asset being more superior than is average as well as supporting or resisting at key Fibonacci levels before continuing on its original course. Between the two extreme points a trendline is drawn and then its vertical distance by the ratios of 23.6, 38.2, 50, 61.8, and 100 percent, according to Fibonacci.

Traders use Fibonacci retracements to determine strategic points for placing their transactions, target prices and stop-loss points. There are other tools which use retracement techniques, chief among them Elliott Wave Theory, Gartley patterns and Tirone levels.

The "Fibonacci formula" is used in investing for the simple reason that it works. Forex traders especially seem to find huge success from using it.

About the Author:

Richard U. Olson uses the incredibly accurate Forex Robot Software and he recommends it to make consistent profits in the Forex markets. Grab his FREE e-course on The Crucial Facts On Forex Trading to achieve your financial freedom.

Do Debt Consolidation Services Really Work?

By William Blake

In an ideal world we would all be able to handle our expenses with no help from anyone. We would only have the amount of debt that we could easily pay back. Unfortunately, we do not live in an ideal world and when the unexpected happens sometimes we end up in over our heads financially.

Debt consolidation is a solution sought out by many debtors who are in too deep. This can be achieved by transferring all debt to a low-interest credit card, or by taking out a home equity loan. There are also debt consolidation or credit counseling services that consumers can utilize.

What can Credit Counselors Do?

A credit counselor will review the debtor's situation and propose a payment plan that is reasonable for debtor and acceptable for the creditor. The debtor pays a monthly payment to the agency and the creditors receive their agreed upon amounts from the agency.

Put the Experts to Work for You

Debt consolidation agencies can sometimes get your interest rates lowered, stop late fees and penalties from mounting and come up with a repayment plan that will work with your budget.

Not Always a Win Win Situation

One problem with credit counseling is that it sometimes does not result in a monthly payment that the client can afford. Creditors are only willing to negotiate so far, and if you owe a lot of money you may not be able to afford the best deal they will give you. If that is the case, you'll have to either find another means of paying your debt or consider bankruptcy.

Another thing about credit counseling is that it isn't free. Credit counseling agencies may charge monthly fees for their services, adding them on to your monthly payment. If they don't, they have to get the money to pay their employees somewhere. That "somewhere" is usually from your debtors, as a percentage of your payment.

There is some debate as to how going through credit counseling affects your credit. It is noted on your credit report. In most cases, you can't get new credit until you complete the program. But it could also affect you after your debts are paid off. Many lenders consider credit counseling as being similar to Chapter 13 bankruptcy.

About the Author:

Tire of barely keeping up with your credit card debt? Get some simple methods of how to pay off credit cards faster on the Debtopedia website. Visit http://www.debtopedia.com for a free copy of my "Secrets Of Credit Card Debt" report.

Why You Can't Afford Not To Get A Deal inThis Economic Crisis

By Alexandra Vrugt

Everywhere you go, there is something that you can buy for cheap. We see these "deals" published all over the place. They can be spotted on billboards, on the internet, and on those weekly newspaper specials that we get in our mailboxes. It's great to see what is supposed to be a special on something because it helps us to know the true worth of an item. This is how one can figure out the "actual" price when it's buy it. But, for every advertised special there are a ton of other specials that exist for someone to buy for cheap, just about anything that they want...if they would only ASK!

Many cultures use haggling or asking for a deal as a way to always ensure that they buy for cheap, just about everything that they need. In those cultures, it is a basically a part of daily life. In the US, people also use haggling to buy. Cheapest prices available and best upgrades are what people can expect when they ask for bargains. Here are some things that people can expect to save on by simply asking for a deal:

1. Hotel rooms - There is a list price for every room, there is an internet price for everyone, but there is also a "manager's special" price that you may be able to get if you ask. These prices are usually based on whether or not the hotel has lots of vacancies that it wants to get used. If there are extra rooms, they will probably give you a better deal.

2. Local and National Restaurants - You can always expect to find coupons available for dining out. Most national pizza chains and other fast food restaurants always have a special going on. Many of these offer discounts such as 2-for-1 specials or even free items! In addition to the advertised specials, most restaurants have their own in-house specials or unpublished deals that you can only get when you ask for them.

3. Planes, trains, and automobiles - Most travel companies offer discounts either through their frequent users travel programs or through haggling based websites such as Priceline.com. From upgrades to "buy one, get one" to free future travel deals, people can usually expect to buy for cheap when it comes to the travel industry if they make effort to ask for the best possible price. In an economic crisis like we are currently in, people will most likely be doing less traveling. So, there should be plenty of opportunities for families to get cheaper prices.

4. Telecommunications - Telecommunications companies always publish their prices for their customers and they are always offering some type of "special". But, the real deals can be found when you speak directly with a customer service agent. Talk to them about your calling patterns and ask for a package deal that will combine your home, internet, and possibly, cell phone. You can even do a price comparison with a rival company and let the potential company know that are shopping around for the best deal. They want your business and may be able to tailor a package to suit your needs at just the price that you want...or lower!

It's only natural to ask for the things that we want in life. Why not use asking as purchasing power also? The deals abound and your family can experience the saving, cost reductions, and perks that one can expect simply by making an effort to ask.

About the Author:

As a recognized connoisseur on saving money in all aspects of daily life, Alexandra Vrugt has written many articleson how to get by on less during the credit crunch you can get a free copy of her Ebook on getting organized - the first step to saving money - by visiting her Make Ends Meet website.