Promoting Your New Business Web Site
by Stephen Woodall
Anyone with a new web site needs traffic. A web site without a steady flow of traffic is useless. No matter how well the design and appearance, traffic is the fuel for its survival. Article writing can bring much needed traffic to any web site, especially a new home business site just starting out. Many work at home opportunities come with your own web site and that is the easy part. In most cases we have to build our traffic from the ground up with promotion being a never-ending process.
Article writing is a way to take our link to the public and get targeted traffic. Your web site link in the article resource box is your payment. To me this is the best compensation plan there is for generating good traffic to a new web site. There just isn’t any better trade off because everyone wins. For a work at home business in the early stages this is a must needed way to stimulate traffic.
When submitting to article directories resist the urge to jump around without reading their submission guidelines. They are there for a reason and you will save yourself as well as those editors in charge of approving articles, much wasted time. If you skip the guidelines, a declined article on the shelf for two weeks will make you rethink your submission process. They may all seem the same but there are variations in what they accept.
As you begin to familiarize yourself with one, add another. Do the same again setting up an account and following their guidelines. Make a list of your directories as you grow and visit them often to see what your articles are doing. This will also make your navigation through their web site much easier. Try to set up the same username and password for all accounts. This will make for a smooth process when accessing them.
When submitting articles we have to give our best research, experience, and expertise. Keep your articles informative and not just a sales presentation. Article writing can be outsourced should it be needed. Articles should to be submitted on a regular basis. We have to be patient with our articles and allow them to take their course. As your articles grow so will the traffic to your web site. The internet is in constant growth so we have to be consistent with our article submissions. Submit with regularity. Take care of your articles and the directories that distribute them, and the process will take care of you.
Stephen Woodall, Marketing Analyst, FSC2 Member -
Visitors Link http://storewholesale.fsc2.com
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Monday, December 17, 2007
Home Based Business - Tips On How To Be Successful
Many people, young and old, think about starting their own business. Some are only looking for extra income, just a part-time business, while other dream of starting a small business and making it grow into a large multi million dollar corporation with many employees. No matter what desires and expectations you have from your business, your dreams can come true.
That’s right! Your Dreams can come true with hard work and determination anything is possible. But nobody said it was going to be easy, nor will it happen overnight. Most business owners start out small and as their knowledge and confidence grows so does their business. Choosing the right business for you is the first and most important thing you will ever do, because if you are not doing something you love and enjoy you will not be successful. Don’t just start a business based on whatever fad is hot at the time. This may give you some short term success, but in the long run it will fail and cost you a lot of money. Decide on what your passion, or hobby, is that you enjoy. A business should be based on a product or service that you love to spend time doing. Whether it is playing golf, painting houses, building things out of wood, accounting, bookkeeping, or typing it must be something you enjoy. This is an important key to success.
Starting a home based business is one of the easiest and most economical ways to get into business. Before you do this make sure that the zoning laws in your area allow for an individual to have a business in their home. Next, check with the sales tax authority in your county or state and find out if the goods or services that you intend to sell are a taxable item. If so, you will need to obtain a sales tax certificate. Next, if you intend to name your business something other than your own legal name, you will need to go down to the county clerks office of the county in which you intend to do business and file and record a “Doing Business As” form (also known as a D/B/A). This is a form that tells everyone that, for example, ABC Bakery is really owned by Jane E. Smith. You will need a copy of the recorded d/b/a/ form to open a checking account at your bank in the businesses name. Once these few thing are done you are in business.
That was the easy part, now the real work begins. Getting customers, or clients, purchasing inventory, setting up advertising and marketing plans, and much more. Being a home based business you will typically have to go out to the customers. Working by appointments are a great way to manage your time throughout the day. If you have set a time to meet with someone Don’t Be Late. Punctuality shows your customer that you are dependable, reliable, and that you value their time as well. Remember, You Don’t Get A Second Chance To Make A First Impression. When someone buys a product or service from you what they are really saying is I like you. I feel like I can trust you to provide the goods or services that you have promised and I truly have a need or desire for what it is you are selling.
Once you have made the sale you must now follow through on what you promised. The best way to build a successful business is with referrals from satisfied customers. If your customer is happy they will tell their friends, if your customer is dissatisfied they will tell everyone. A customer that has been referred to you by a happy customer is much easier to get an order from because they already have a high level of trust in you.
It is fairly easy to start your own home based business, but to be successful in business it requires that an individual work hard, put in long hours, and then deliver on your promises that you make to your customers. You are only as good as your word. At the end of the day, if you are honest, diligent, and prudent you will do just fine.
This article has been writen by Sam Adams. For More information about starting you own business please visit www.ebay-ebiz.com
That’s right! Your Dreams can come true with hard work and determination anything is possible. But nobody said it was going to be easy, nor will it happen overnight. Most business owners start out small and as their knowledge and confidence grows so does their business. Choosing the right business for you is the first and most important thing you will ever do, because if you are not doing something you love and enjoy you will not be successful. Don’t just start a business based on whatever fad is hot at the time. This may give you some short term success, but in the long run it will fail and cost you a lot of money. Decide on what your passion, or hobby, is that you enjoy. A business should be based on a product or service that you love to spend time doing. Whether it is playing golf, painting houses, building things out of wood, accounting, bookkeeping, or typing it must be something you enjoy. This is an important key to success.
Starting a home based business is one of the easiest and most economical ways to get into business. Before you do this make sure that the zoning laws in your area allow for an individual to have a business in their home. Next, check with the sales tax authority in your county or state and find out if the goods or services that you intend to sell are a taxable item. If so, you will need to obtain a sales tax certificate. Next, if you intend to name your business something other than your own legal name, you will need to go down to the county clerks office of the county in which you intend to do business and file and record a “Doing Business As” form (also known as a D/B/A). This is a form that tells everyone that, for example, ABC Bakery is really owned by Jane E. Smith. You will need a copy of the recorded d/b/a/ form to open a checking account at your bank in the businesses name. Once these few thing are done you are in business.
That was the easy part, now the real work begins. Getting customers, or clients, purchasing inventory, setting up advertising and marketing plans, and much more. Being a home based business you will typically have to go out to the customers. Working by appointments are a great way to manage your time throughout the day. If you have set a time to meet with someone Don’t Be Late. Punctuality shows your customer that you are dependable, reliable, and that you value their time as well. Remember, You Don’t Get A Second Chance To Make A First Impression. When someone buys a product or service from you what they are really saying is I like you. I feel like I can trust you to provide the goods or services that you have promised and I truly have a need or desire for what it is you are selling.
Once you have made the sale you must now follow through on what you promised. The best way to build a successful business is with referrals from satisfied customers. If your customer is happy they will tell their friends, if your customer is dissatisfied they will tell everyone. A customer that has been referred to you by a happy customer is much easier to get an order from because they already have a high level of trust in you.
It is fairly easy to start your own home based business, but to be successful in business it requires that an individual work hard, put in long hours, and then deliver on your promises that you make to your customers. You are only as good as your word. At the end of the day, if you are honest, diligent, and prudent you will do just fine.
This article has been writen by Sam Adams. For More information about starting you own business please visit www.ebay-ebiz.com
Friday, December 14, 2007
How To Raise Your Credit Score As Fast As Possible
How To Raise Your Credit Score As Fast As Possible
by
Imagine that you desire to purchase a new car or take a mortgage. You’re sure that your credit application will be successful because your credit is good but the credit report returns but your application was rejected. Or perhaps your application was approved but the finance rate is extremely soaring that you can ill afford. Then you realize that you need to raise your credit ASAP.
The individual or company that’s assisting you get the loan will usually tell you how to do this. Many of them don’t, so you ought to be familiar with how to do it yourself. Relax because anyone can do it. First, read everything you can find on credit repair. Check the laws that apply to credit repair and discover your rights. Don’t get your expectations too high about the process. Be realistic.
Remember it takes time, endurance and work. If you’re diligent a creditor will notice the effort you’re making and consider it when deciding whether or not they will advance you credit.
Obtain a copy of your credit report from Experian, Equifax, and TransUnion. They may have varying information on your record to some extent so it’s essential to obtain and study all of them.
Look for any erroneous data in your credit report and file a dispute letter for information you disagree with. Sample dispute letters can be found online. The credit bureau has 30 days to look into the claim. If they fail to substantiate the charge, they have no option but to erase it from your credit report.
Subsequently, search for debt that is out of date. There is a statute of limitation on debt. Redundant debt can show on your credit report only for a specific period. If old debt exists, inquire from the credit bureau whether it’s time for it to be erased.
Oftentimes people have old debt on their credit report and are ignorant to the fact that they can easily get it eliminated from their credit reports.
Too many credit accounts open can negatively affect your credit score. Examine the accounts you have and establish the ones that are most essential and the ones you have had the longest.
Credit cards that you have been in possession of for a long time will do much in raising your score than those that are newer. This is because old credit cards bestow a longer history of credit. If you make your mind up to shut some accounts, shut newer ones first.
You can also trim down the balance on an older credit card and hold on to it to bestow you that long history. Get up to date with late payments on your credit report by calling the creditor and propose or ask for a payment plan to get you current.
A number of credit companies may propose a lower or no interest time within which to repay. A few steady payments on those debts will appear on your credit report and your potential creditor will notice and take into consideration your endeavor.
If you are in a situation in where you must lift up your credit score pronto, follow the steps above. If you are dedicated and stick to the task then you will certainly notice the difference. Success in your efforts to clean up.
CreditCardPerfection reviews credit cards available to consumers. Learn more about American Express credit cards and Capital One credit card
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by
Imagine that you desire to purchase a new car or take a mortgage. You’re sure that your credit application will be successful because your credit is good but the credit report returns but your application was rejected. Or perhaps your application was approved but the finance rate is extremely soaring that you can ill afford. Then you realize that you need to raise your credit ASAP.
The individual or company that’s assisting you get the loan will usually tell you how to do this. Many of them don’t, so you ought to be familiar with how to do it yourself. Relax because anyone can do it. First, read everything you can find on credit repair. Check the laws that apply to credit repair and discover your rights. Don’t get your expectations too high about the process. Be realistic.
Remember it takes time, endurance and work. If you’re diligent a creditor will notice the effort you’re making and consider it when deciding whether or not they will advance you credit.
Obtain a copy of your credit report from Experian, Equifax, and TransUnion. They may have varying information on your record to some extent so it’s essential to obtain and study all of them.
Look for any erroneous data in your credit report and file a dispute letter for information you disagree with. Sample dispute letters can be found online. The credit bureau has 30 days to look into the claim. If they fail to substantiate the charge, they have no option but to erase it from your credit report.
Subsequently, search for debt that is out of date. There is a statute of limitation on debt. Redundant debt can show on your credit report only for a specific period. If old debt exists, inquire from the credit bureau whether it’s time for it to be erased.
Oftentimes people have old debt on their credit report and are ignorant to the fact that they can easily get it eliminated from their credit reports.
Too many credit accounts open can negatively affect your credit score. Examine the accounts you have and establish the ones that are most essential and the ones you have had the longest.
Credit cards that you have been in possession of for a long time will do much in raising your score than those that are newer. This is because old credit cards bestow a longer history of credit. If you make your mind up to shut some accounts, shut newer ones first.
You can also trim down the balance on an older credit card and hold on to it to bestow you that long history. Get up to date with late payments on your credit report by calling the creditor and propose or ask for a payment plan to get you current.
A number of credit companies may propose a lower or no interest time within which to repay. A few steady payments on those debts will appear on your credit report and your potential creditor will notice and take into consideration your endeavor.
If you are in a situation in where you must lift up your credit score pronto, follow the steps above. If you are dedicated and stick to the task then you will certainly notice the difference. Success in your efforts to clean up.
CreditCardPerfection reviews credit cards available to consumers. Learn more about American Express credit cards and Capital One credit card
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Wednesday, December 12, 2007
Tips About Starting an Online Business
There are many online business opportunities available to people today. Most of them are good, but many of then require a lot of money to get started. You need a website and then you need to drive traffic (or customers) to your website. This can take both a lot of time and money in advertising dollars, but you need to make money now. Then you should consider selling products on eBay. Ebay is a online community auction site that attracts thousands, maybe millions, of potential customers (buyers for you) each day. You can list your item, or items, and have them for sale on their site and wait for the customers to come to you. Now, eBay is an auction site so people will bid on the item you are selling. One of the options available to help insure you get the final selling price you want for your product is to set a “Reserve Price”, a bid amount that if not reached you will not sell your item.
If you have many different items to sell you might want to consider opening an eBay Store. An eBay Store is a virtual store front on the internet within the eBay site. You can list as many different items for sale as you wish. Some of your inventory can be listed as auctions while others are listed with their “Fixed Price” feature. This is an option available to “eBay Store” owners and allows you to name the price for your product without it going through the auction process. Still yet another option is available for your auction listed items. If you have an item that is actively listed as an auction and people are bidding on it you might want to give your customers the option to “Buy It Now!”. This is a price you set during the item listing process that allows a bidder to pay your full asking price immediately for your item and end the auction early.
Ebay has spent and continues to spend a lot of money promoting there site. They make money from you, and many others like yourself, selling item on their site. So, they want to see you be successful, because if your successful then they succeed too.
Many successful online business owners have found eBay to be a great way to “Jump Start” their online venture and do it in a way that fits most budgets. You will find that there are literally thousands for items you can auction on eBay or sell in your eBay store. Some online business owners are utilizing companies that will drop ship merchandise directly to your customers, while other are selling digital items that can be e-mailed or downloaded directly to the buyer. There are the more common item like handcrafted arts and crafts, paintings, new and used furniture, home décor items, sporting goods, coins, baseball cards, and much more.
If you are thinking of starting a business online you owe it to yourself to look at eBay and see if they have what you need to get your dream of owning your own business off the ground. They have thousands, maybe millions, of eager buyers waiting for you.
For more information about Starting Your Own Online Business At eBay visit www.ebay-ebiz.com
Monday, December 10, 2007
3 Essential Tips For Starting a Business
3 Essential Tips For Starting a Business
by Spencer Ray
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by Spencer Ray
Many things should be considered when starting a business. Explaining all the considerations is beyond the scope of this article. However, one vital component of a successful business is a good business plan that considers Market Potential, Competition, and Strategy.
Have a Plan
First and foremost, when starting a business you need a plan. It doesn’t necessarily need to be a full, written out business plan; however, you should jot down your ideas. Some items to consider are the company’s: Market Potential, Competition, and Strategy.
Market Potential
First, you need to consider whether or not you can make any money with your business. You may have a great idea, but maybe no one can realistically use it, or they don’t want it, or it costs too much. For example, a company called WebVan, decided they would allow people to order anything (bubble gum, t-shirts, pizza, books, groceries), really anything from their website and they would deliver it to your door. They spent hundreds of millions of dollars and opened nationwide. The company lasted less than a year. Why? Because the the market potential was small. The company creators did not account for the reality that they would spend more delivering a pack of gum than they would make from selling it!
Competition
Second, you must consider who you are competing against. If you have created a new and better macaroni and cheese dinner and you want to sell it in Wal-mart; then you have fierce competition. Kraft is a HUGE company and they will squash you before anyone ever tastes your delicious invention.
However, don’t let competition discourage you from developing a good idea. Just because there are lots of janitors, doesn’t mean that you can’t beat them out. The key to overcoming your competition is a good business strategy.
Strategy
Strategy really defines how you will be different from your competition. How will you appeal to your customers? Will you be a low price leader (like Wal-mart)? Will you have the perception of best quality (like Tiffany diamonds)? Will you provide the best service (like Nordstroms)? These are the three main strategies that companies use. There are lots of other strategies that you can utilize, but the key is developing a way that you will be different from your competition.
In conclusion, starting a business is a viable way to build your personal wealth. In starting a business, it is essential that you have a plan that considers the market potential, competition, and strategy.
Take the 30 day Financial Challenge at Keyblast.com! This article is a small portion of the 30-day financial challenge. To access lots of free information, tools, and to see what the challenge is all about, visit Keyblast.com
Spencer has a BA in Finance, an MBA, and is currently a Commercial Banker advising Business owners on Business and Personal financial issues.
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Paying Off Holiday Debt Quickly
Paying Off Holiday Debt Quickly - 6 Tips for Consumers by Valeri A. James
Dana, a 30-year old public relations specialist, may be earning big bucks while climbing the corporate ladder but like most unattached career women in town, she is struggling with the payment of her credit card balances. For Dana, Christmas is a challenging season as she would have to rein her spending impulses to remedy her already worsening credit rating.
Like Dana, most Americans (single or married) are faced with budgeting problems. Bad credit can get worse with overspending especially during the Christmas season. Holiday debts can pile up and contribute to a negative credit rating.
A negative credit rating is just a symptom of a budgeting problem that can get worse if it goes unchecked. If you still have left-over holiday debts from last year or if you have already placed yourself in deep Christmas debt this year then talk to a debt counselor or consider the following sure-fire tips for paying off your holiday debts quickly.
1. Use CASH whenever possible. Have you noticed how you become more conscious of spending when you need to pay in cash? Paying in cash allows you to keep track of your purchases in real time and by doing so (whenever possible) you would be able to keep yourself from splurging. Ergo: less credit card balances to pay at the end of the month or whenever your card is due.
2. Use your credit card wisely. That strip of hard plastic should be used only when necessary. The first rule of thumb is to use CASH whenever possible. However, American society is so dependent on plastic that you may have to use your credit card more often. Just make sure you do so for reasonable and necessary purchases. Christmas is not a license to overspend. You may be able to buy all the things you want for Christmas (up to your credit card's limit, that is!) but your credit history will suffer if you are not able to pay all your debts on time.
3. List all your outstanding debts. You may be spending too much because you do not keep track of your debts. Document your debts (both credit card and otherwise) and print them out for a quick reference. Seeing your actual debt in black and white will help you cut back on unnecessary expenses and Christmas spending until you have cleared your credit card balances.
4. Make holiday debt payment a priority. It is fun to spend but if you have over-expended your wallet then you have no choice but to prioritize the payment of your debts first before you incur new ones. If your Christmas debts are divided among several credit cards, choose the ones with the least amount and pay it first. Then choose the other credit card balances that you can afford to pay given your financial state.
5. Sacrifice your little pleasures. Paying off your credit card balances can be a pain especially when your finances are limited. This can mean little sacrifices like cooking home meals instead of eating out and drinking instant or office-made brewed coffee instead of going to expensive coffee shops during break time or after work. Before you know it, you already have enough savings to pay for some of your holiday debts.
6. Look for additional sources of income. If your income is limited then you may have to look for additional sources of income to pay off your holiday debts. You can monetize your hobby and make good money out of it. If you are good in photography, why not take photos of your fellow workers during the Christmas party and sell them their photos? Or if you bake a mean chocolate cake, why not sell them this Holiday season? Who knows, your sideline can become a business someday which will help you improve your finances.
If despite these tips you still find yourself overspending and incurring Christmas debts like there is no tomorrow then you should get professional help. Debt counseling groups and Certified Credit Consultants can help you get your spending habits as well as your credit back in track.
Valeri A. James is the President and CEO of Simple Solutions Credit Consulting, Inc. A consumer advocate and author, she has spoken on radio programs and to hundreds of people at seminars, workshops, and business groups. She has over 22 years of experience in the credit industry helping thousands of consumers escape the trap of debt and bad credit. If you are feeling helpless about your debt or low credit score visit http://mycreditsolutions.com or call 1-888-303-7722 for a FREE consultation.
Article Source: Article Directory
Dana, a 30-year old public relations specialist, may be earning big bucks while climbing the corporate ladder but like most unattached career women in town, she is struggling with the payment of her credit card balances. For Dana, Christmas is a challenging season as she would have to rein her spending impulses to remedy her already worsening credit rating.
Like Dana, most Americans (single or married) are faced with budgeting problems. Bad credit can get worse with overspending especially during the Christmas season. Holiday debts can pile up and contribute to a negative credit rating.
A negative credit rating is just a symptom of a budgeting problem that can get worse if it goes unchecked. If you still have left-over holiday debts from last year or if you have already placed yourself in deep Christmas debt this year then talk to a debt counselor or consider the following sure-fire tips for paying off your holiday debts quickly.
1. Use CASH whenever possible. Have you noticed how you become more conscious of spending when you need to pay in cash? Paying in cash allows you to keep track of your purchases in real time and by doing so (whenever possible) you would be able to keep yourself from splurging. Ergo: less credit card balances to pay at the end of the month or whenever your card is due.
2. Use your credit card wisely. That strip of hard plastic should be used only when necessary. The first rule of thumb is to use CASH whenever possible. However, American society is so dependent on plastic that you may have to use your credit card more often. Just make sure you do so for reasonable and necessary purchases. Christmas is not a license to overspend. You may be able to buy all the things you want for Christmas (up to your credit card's limit, that is!) but your credit history will suffer if you are not able to pay all your debts on time.
3. List all your outstanding debts. You may be spending too much because you do not keep track of your debts. Document your debts (both credit card and otherwise) and print them out for a quick reference. Seeing your actual debt in black and white will help you cut back on unnecessary expenses and Christmas spending until you have cleared your credit card balances.
4. Make holiday debt payment a priority. It is fun to spend but if you have over-expended your wallet then you have no choice but to prioritize the payment of your debts first before you incur new ones. If your Christmas debts are divided among several credit cards, choose the ones with the least amount and pay it first. Then choose the other credit card balances that you can afford to pay given your financial state.
5. Sacrifice your little pleasures. Paying off your credit card balances can be a pain especially when your finances are limited. This can mean little sacrifices like cooking home meals instead of eating out and drinking instant or office-made brewed coffee instead of going to expensive coffee shops during break time or after work. Before you know it, you already have enough savings to pay for some of your holiday debts.
6. Look for additional sources of income. If your income is limited then you may have to look for additional sources of income to pay off your holiday debts. You can monetize your hobby and make good money out of it. If you are good in photography, why not take photos of your fellow workers during the Christmas party and sell them their photos? Or if you bake a mean chocolate cake, why not sell them this Holiday season? Who knows, your sideline can become a business someday which will help you improve your finances.
If despite these tips you still find yourself overspending and incurring Christmas debts like there is no tomorrow then you should get professional help. Debt counseling groups and Certified Credit Consultants can help you get your spending habits as well as your credit back in track.
Valeri A. James is the President and CEO of Simple Solutions Credit Consulting, Inc. A consumer advocate and author, she has spoken on radio programs and to hundreds of people at seminars, workshops, and business groups. She has over 22 years of experience in the credit industry helping thousands of consumers escape the trap of debt and bad credit. If you are feeling helpless about your debt or low credit score visit http://mycreditsolutions.com or call 1-888-303-7722 for a FREE consultation.
Article Source: Article Directory
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Friday, December 7, 2007
Alternatives To High Risk Mortgage Refinancing
Alternatives To High Risk Mortgage Refinancing
By Mark WaltersMost investors find themselves in a cash crunch at one time or another. Vacancies, renovations, changes in mortgage terms and interest rates, municipal fees and taxes, it can all add up.
This leaves investors scrambling to balance their portfolios. Most refinance with an eye on mortgage products with lower monthly payments. The current product of choice is the interest only mortgage.
This mortgage lets property owners pay the interest part of a loan monthly, while making capital payments at a later date.
However, other factors need to be taken into account, such as closing fees, financing rates, and interest rates. What may seem like a short term solution can turn into a long term nightmare.
If the interest only mortgage will be obtained for more than two years, the investor will pay twice the interest rate for two years, which can add hundreds of dollars to at the mortgage. This type of mortgage flipping also makes it difficult to estimate how quickly the mortgages will be paid off.
The cost of switching mortgages between interest only and fixed rate mortgages can be high. The interest only mortgage does not decrease in value. If the investor takes out a $200 000 mortgage and makes payments for 10 years, the investor still owes $200 000. This means that the early closing fees will be higher, as much as $8 000 to arrange the mortgage twice.
This means that the investor is paying a high price for the privilege of having lower monthly fees for a year or two.
One thing that causes investors concern is that the interest only mortgage forces the investor to lose their profits for a year, or more, until the mortgage is refinanced. This alone should make investors hesitate before signing an interest only mortgage agreement for their investment properties.
The secondary concern with the interest only mortgage is that it doesn’t free any equity from the home to create profits for the portfolio, when the property is sold. This makes it difficult to obtain future financing that is needed to continue buying new properties. It also makes it more difficult to sell quickly at a profit. Both of these are vital components of any successful property investment strategy.
There are alternatives. As heart-breaking as it may seem, selling a non-performing property will relieve the cash crunch, and protect future profits. Put some of the profit in a bank account where it can be used to leverage equity, preventing the investor from being forced to consider a dangerous mortgage product.
Another opportunity will be to arrange a rent-to-own option with one of your current renters, or to encourage renters to fill a few properties. The rent-to-own is a bonus for investors. The investor still profits, on an annual basis, even without flipping the property. If the renters leave, the property reverts to the investor’s ownership. The investor is not obligated to return any of the money to the renter – plus the investor still owns the property.
The average person moves once every five years. Combine this with the fact that renters who believe they are purchasing the home will take better care of the property, and the investor has created a win-win situation that increases their income stream while protecting their investments.
Smart investing requires more than understanding market trends. Sometimes an investor can avoid a disaster by taking a good look at alternatives to the traditional methods of investing, arranging financing, and flipping properties.
About the Author: Mark Walters is a third generation entrepreneur and author. He offers free training and investing videos designed to speed you towards financial independence at http://www.cashflowinstitute.com/
Source: http://www.isnare.com/
Permanent Link: http://www.isnare.com/?aid=206922&ca=Finances
Tuesday, December 4, 2007
Stop Dodging Your Creditors
Stop Dodging Your Creditors and Seek Their Help by Ajeet Khurana
By the time I had graduated from college, I found that I was to pay a huge burden of debt. I knew that with my college degree, I would be able to get stable employment as well as a hefty salary. Then I was offered my very first credit card, without my even looking at the interest rates and other hidden charges.
Within two years of working as an executive assistant, I was already drowning in credit card debt and have not been able to pay off my mortgage and insurance premiums. I even coined a nickname for myself, debt delinquent.
Many a time, we choose to ignore calls from the lending company. If they can't reach you or find you, you're safe, right? WRONG! This tendency to avoid the lender is a bad one as one loses out on possible ways of fixing one's credit situation.
If only I had taken the time to talk to any one of my creditors, I would have been given a chance to pay them off instead of filing for bankruptcy. Sometimes you have to learn things the hard way.
Lending companies will want you to pay them back. Your bank will want some of the money that you spent on your holiday sprees. You could talk your lending company into providing you with some means that will make repayment easier. They are not as evil as you think they are. In fact, lending institutions can save you from falling into poverty -- or bankruptcy at least.
Your credit card issuer will mostly likely give you amnesty, if you promise to pay them back with a span of time. In fact, you could even try to get a reduction on the interest that you are shelling out every month. By talking to them, you will have a lot more options on how to settle your balance than by hiding out in the mountains until you think they have surely forgotten about you.
But during this time, your credit card accounts might be closed as they do not want you accumulating more debt while trying to pay off your balance.
If you have unpaid loans from various institutions, they will almost certainly advice you to join a debt management program or refer you to a debt counselor. If you are currently struggling with a major burden of debt and have multiple loans to pay, go in for debt consolidation.
With consolidation, all of your debt will fall under one loan. You not only get lower interest rates but also decreased monthly payments. Do not worry so much about your credit score at this time, focus on paying off your debts. Once you have managed to settle your debts, you can turn with full steam on to the job of rebuilding your credit. Just one point to remember is that student loan consolidation works differently and it does not affect your score.
Reaching out to creditors gives them the impression that you want to pay them back and you're willing to do it on terms that are beneficial to both parties. This is a good way to impress upon potential creditors that you made the effort to repay your debts despite your financial troubles.
Get debt help and debt relief. While you are at it, find out what is an IVA. Be a responsible borrower.
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By the time I had graduated from college, I found that I was to pay a huge burden of debt. I knew that with my college degree, I would be able to get stable employment as well as a hefty salary. Then I was offered my very first credit card, without my even looking at the interest rates and other hidden charges.
Within two years of working as an executive assistant, I was already drowning in credit card debt and have not been able to pay off my mortgage and insurance premiums. I even coined a nickname for myself, debt delinquent.
Many a time, we choose to ignore calls from the lending company. If they can't reach you or find you, you're safe, right? WRONG! This tendency to avoid the lender is a bad one as one loses out on possible ways of fixing one's credit situation.
If only I had taken the time to talk to any one of my creditors, I would have been given a chance to pay them off instead of filing for bankruptcy. Sometimes you have to learn things the hard way.
Lending companies will want you to pay them back. Your bank will want some of the money that you spent on your holiday sprees. You could talk your lending company into providing you with some means that will make repayment easier. They are not as evil as you think they are. In fact, lending institutions can save you from falling into poverty -- or bankruptcy at least.
Your credit card issuer will mostly likely give you amnesty, if you promise to pay them back with a span of time. In fact, you could even try to get a reduction on the interest that you are shelling out every month. By talking to them, you will have a lot more options on how to settle your balance than by hiding out in the mountains until you think they have surely forgotten about you.
But during this time, your credit card accounts might be closed as they do not want you accumulating more debt while trying to pay off your balance.
If you have unpaid loans from various institutions, they will almost certainly advice you to join a debt management program or refer you to a debt counselor. If you are currently struggling with a major burden of debt and have multiple loans to pay, go in for debt consolidation.
With consolidation, all of your debt will fall under one loan. You not only get lower interest rates but also decreased monthly payments. Do not worry so much about your credit score at this time, focus on paying off your debts. Once you have managed to settle your debts, you can turn with full steam on to the job of rebuilding your credit. Just one point to remember is that student loan consolidation works differently and it does not affect your score.
Reaching out to creditors gives them the impression that you want to pay them back and you're willing to do it on terms that are beneficial to both parties. This is a good way to impress upon potential creditors that you made the effort to repay your debts despite your financial troubles.
Get debt help and debt relief. While you are at it, find out what is an IVA. Be a responsible borrower.
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Sunday, December 2, 2007
Christmas and Your Money Problems
Money Problems Are 'More Pronounced Towards Christmas'
By Mark Dawson
More people could be struggling in their ability to handle their finances, new studies have shown.
In research released by Chiltern, the proportion of their income that consumers could afford to pay back to creditors on areas such as store cards and loans during November stood at some 17 per cent, a decrease of one percentage point from figures noted during the previous month. Findings from the firm also showed a slight rise in living costs over the course of November. During the month such expenses accounted for 83 per cent of consumers' income, up from the 82 per cent noted in October. However, with the rate that they are contractually obliged to pay back remaining consistent, money management may become more difficult for a number of Britons.
Commenting on the figures, Joanne Gill, spokesperson for the debt management consultancy, said: "Our research shows that six million people in the UK are struggling with their finances and one million admit to being seriously overstretched - these figures demonstrate that predicament very clearly. Debt is a source of constant stress for many families as they juggle their credit commitments to maintain their minimum payments and spiral further into debt. It is particularly pronounced at this time of year as people feel under pressure to enter into the festive spirit whether or not they can afford to."
According to the firm, a "key indicator" of consumers developing problems with their finances is when at least a quarter of their salary is going towards debt repayments. Another such sign is the use of credit - whether this is through a secured personal loan or plastic card - to pay for essentials such as transport and food. Meanwhile, people are also reported to be developing "debt stress" if they are only able to make the minimum amount of repayments on credit and store cards, as well as having at least four debt commitments.
Consequently, people worried about their capacity to meet various demands on their finances were advised to draw up a list of all the money that they have coming in on a regular basis, such as wages, benefits and maintenance payments. Ms Gill then suggested that people should create an expenditure chart, tracking their payments on mortgages, utility bills, secured loans, food and other spending commitments. After subtracting the total of the former from the latter, should people they find they have a negative balance, Chiltern urged them to seek out help with their finances.
Meanwhile, with the festive period rapidly approaching, those who are already struggling to manage their money may wish to take steps to rein in their spending, with the application for a consolidation loan one possible way in which this could be done. Consequently, many Britons could find that applying for a low-cost loan as a means of consolidating debts could help them get to grips with their expenditure. Such a loan may see borrowers clear off debts owed to a number of creditors quickly and leave them with a single low-rate monthly repayment.
As a result, an application for a debt consolidation loan may especially be advisable for young people as a recent study carried out by iva indicated that about one in four of those between 18 and 24 are struggling to handle their finances. In addition, it was suggested that 1.2 million children currently in school will discover that they will have money management problems in the next five years. Overall, the insolvency publication suggested that 16 per cent of Britons have debts which they feel unable to pay back. As a result, the provision of monetary education in schools was urged to help people manage their spending and to compare loans and other financial products effectively in later life.
Mark Dawson writes for the the Loan Arrangers where you can apply online for low cost loans, you can also compare secured loans online, and apply for poor credit loans.
Article Source: http://EzineArticles.com/?expert=Mark_Dawson
http://EzineArticles.com/?Money-Problems-Are-More-Pronounced-Towards-Christmas&id=858689
Online Shopping Carts
Online Shopping Cart System: 6 Points You Need to Know BEFORE Choosing Your System by Tracey Lawton
I recently ventured into the world of creating digital information products and selling them via my website. One of the biggest dilemmas I faced was deciding which shopping cart provider to go with.
Having worked on various shopping cart systems for clients, I knew my way around setting these up, but when it came to my own online shopping cart system I couldn’t decide the best way forward.
Ultimately I ended up making a poor choice by going a cheaper alternative route, than the service I really wanted. The reason I made this poor decision was lack of confidence on my part – I wasn’t sure how well my product would sell and didn’t want to invest heavily in a service that I may not need or use!
The reality of going the cheaper route? I had customers who weren’t able to download their product or make a payment and I lost revenue because of this!
To save you the same trouble I went through, here are my top 6 tips for ensuring that you get the right shopping cart system for YOUR business.
1. Think about your long-term goals. Having a shopping cart system that grows with your business is crucial to your long-term goals, particularly if you’re planning on launching more products and services in the future.
You'll want to ensure that the shopping cart system you choose can easily handle additional products and services.
2. How simple is the shopping cart to set up? Can you easily do the product setup yourself, or does it require you to hold a degree in computer programming! You don’t want to be spending huge amounts of your time on the phone to tech support, or getting frustrated because the shopping cart isn’t easy to set up.
If the shopping cart system provides you with HTML code that you have to add to your website, consider how comfortable you feel adding this. You may decide that this is a service to outsource to your Virtual Assistant.
3. Accepting online payments. If you’re going to be selling products/services online, whether they’re digital or physical products, you will need a system that can accept online payments. These days customers want instant gratification, which is why digital products are so popular, and you need to be able to accept payments instantly too.
Think about this situation - you go on to a website and in order to buy a product you have to print off an order form and fax it in, or call to place an order! That's not easy for your customer and you will have just lost the sale! The best solution is to get a merchant account, and ensure that your merchant provider’s services are compatible with your online shopping cart system.
4. Cost of your Online Shopping Cart System. It can be a false economy to go the cheaper route, particularly if it doesn’t offer all the features and functionality you want. Come up with a list of what you would like in an online shopping cart system, and then find a service that will meet ALL of your needs.
5. Customer Service. You want to make it as quick and easy as possible for your customers to purchase from you and get instant access to their product. An online shopping cart system that offers digital download of your products will do this for you.
And if you have a physical product ensure that your shopping cart service can calculate postage and print shipping labels too.
Don’t make your customers jump through hoops just to make a purchase from you!
6. Autoresponders and follow-up messages. It’s much easier to sell future products to existing customers – after all they already know, like and trust you. In order to do this you need your shopping cart to be able to keep a database of your customers so that you can follow up with them. Autoresponders are a great way to do this. You can follow up with your customer several times after they’ve made a purchase and check in with them to see how they’re getting on with your product. And you can do this very easily and quickly if your shopping cart has an autoresponder feature.
Keep all of these points in mind when choosing your online shopping cart system, and you will find the perfect solution for you!
About the author: Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.VirtualSolutionsEzine.com
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I recently ventured into the world of creating digital information products and selling them via my website. One of the biggest dilemmas I faced was deciding which shopping cart provider to go with.
Having worked on various shopping cart systems for clients, I knew my way around setting these up, but when it came to my own online shopping cart system I couldn’t decide the best way forward.
Ultimately I ended up making a poor choice by going a cheaper alternative route, than the service I really wanted. The reason I made this poor decision was lack of confidence on my part – I wasn’t sure how well my product would sell and didn’t want to invest heavily in a service that I may not need or use!
The reality of going the cheaper route? I had customers who weren’t able to download their product or make a payment and I lost revenue because of this!
To save you the same trouble I went through, here are my top 6 tips for ensuring that you get the right shopping cart system for YOUR business.
1. Think about your long-term goals. Having a shopping cart system that grows with your business is crucial to your long-term goals, particularly if you’re planning on launching more products and services in the future.
You'll want to ensure that the shopping cart system you choose can easily handle additional products and services.
2. How simple is the shopping cart to set up? Can you easily do the product setup yourself, or does it require you to hold a degree in computer programming! You don’t want to be spending huge amounts of your time on the phone to tech support, or getting frustrated because the shopping cart isn’t easy to set up.
If the shopping cart system provides you with HTML code that you have to add to your website, consider how comfortable you feel adding this. You may decide that this is a service to outsource to your Virtual Assistant.
3. Accepting online payments. If you’re going to be selling products/services online, whether they’re digital or physical products, you will need a system that can accept online payments. These days customers want instant gratification, which is why digital products are so popular, and you need to be able to accept payments instantly too.
Think about this situation - you go on to a website and in order to buy a product you have to print off an order form and fax it in, or call to place an order! That's not easy for your customer and you will have just lost the sale! The best solution is to get a merchant account, and ensure that your merchant provider’s services are compatible with your online shopping cart system.
4. Cost of your Online Shopping Cart System. It can be a false economy to go the cheaper route, particularly if it doesn’t offer all the features and functionality you want. Come up with a list of what you would like in an online shopping cart system, and then find a service that will meet ALL of your needs.
5. Customer Service. You want to make it as quick and easy as possible for your customers to purchase from you and get instant access to their product. An online shopping cart system that offers digital download of your products will do this for you.
And if you have a physical product ensure that your shopping cart service can calculate postage and print shipping labels too.
Don’t make your customers jump through hoops just to make a purchase from you!
6. Autoresponders and follow-up messages. It’s much easier to sell future products to existing customers – after all they already know, like and trust you. In order to do this you need your shopping cart to be able to keep a database of your customers so that you can follow up with them. Autoresponders are a great way to do this. You can follow up with your customer several times after they’ve made a purchase and check in with them to see how they’re getting on with your product. And you can do this very easily and quickly if your shopping cart has an autoresponder feature.
Keep all of these points in mind when choosing your online shopping cart system, and you will find the perfect solution for you!
About the author: Online Business Manager & Virtual Assistant, Tracey Lawton, supports professional speakers, coaches, and authors to operate an efficient, organized, and profitable business. Learn how to create an efficient and organized office in 7 EASY steps, and receive free how-to articles at http://www.VirtualSolutionsEzine.com
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Home Mortgage Problems
Homes For Sale: Mortgage Problems
by Peter Shukla
Want extra money? Are you searching for ways to make ends meet through medical bills, retirement plans, unemployment, or tuition bills? You might have researched a second mortgage on your house, but have decided that it does not offer enough money. Or, you might not qualify for a mortgage, or you might be finding it difficult to pay for your existing mortgage.
You may want to look into the "rent back" option. Rent back means you sell your home to a specialized real estate agency, and over time, you pay a low monthly rental fee. This is so you can continue living in your home, and over time you will buy your home back, returning the ownership to you.
A "sell and rent back" plan is a great idea for people unable to qualify for a regular second mortgage. Just as is the case with a regular mortgage, your home serves as the collateral. However, unlike the a regular second mortgage, payments are not added to existing mortgage payments and are also very low.
It doesn't matter the size of the property - whether an apartment, house, condo, or manufactured home - any house can become homes for sale in a rent back plan. Studio apartments for rent back can even be placed on the market. Whether your home is big or small, real estate agents can work with you to find a monthly payment that is reasonable.
Rent back plans place homes for sale briefly, but since the home owner signs a document stating that the real estate company cannot sell the home to anyone else for a predetermined length of time, the home owner will definitely be allowed to continue to live in the home. No rental rules will apply, so the home owner will still have the legal right to reside in his or her home.
If you have worried and wondered whether you will have to leave your current home for a smaller and more inexpensive one, and therefore have started searching for homes for sale, you shouldn't worry. You can stay in your current home forever, if you take advantage of rent back plans.
Are your pockets nearly empty? Are you drowning in a sea of debt? Perhaps you have decided against the idea of taking a second mortgage on your house since you're concerned about qualifying, or you're daunted by the difficulty of paying off your first mortgage. You should know that all homes, regardless of size, become homes for sale with a rent back plan.
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by Peter Shukla
Want extra money? Are you searching for ways to make ends meet through medical bills, retirement plans, unemployment, or tuition bills? You might have researched a second mortgage on your house, but have decided that it does not offer enough money. Or, you might not qualify for a mortgage, or you might be finding it difficult to pay for your existing mortgage.
You may want to look into the "rent back" option. Rent back means you sell your home to a specialized real estate agency, and over time, you pay a low monthly rental fee. This is so you can continue living in your home, and over time you will buy your home back, returning the ownership to you.
A "sell and rent back" plan is a great idea for people unable to qualify for a regular second mortgage. Just as is the case with a regular mortgage, your home serves as the collateral. However, unlike the a regular second mortgage, payments are not added to existing mortgage payments and are also very low.
It doesn't matter the size of the property - whether an apartment, house, condo, or manufactured home - any house can become homes for sale in a rent back plan. Studio apartments for rent back can even be placed on the market. Whether your home is big or small, real estate agents can work with you to find a monthly payment that is reasonable.
Rent back plans place homes for sale briefly, but since the home owner signs a document stating that the real estate company cannot sell the home to anyone else for a predetermined length of time, the home owner will definitely be allowed to continue to live in the home. No rental rules will apply, so the home owner will still have the legal right to reside in his or her home.
If you have worried and wondered whether you will have to leave your current home for a smaller and more inexpensive one, and therefore have started searching for homes for sale, you shouldn't worry. You can stay in your current home forever, if you take advantage of rent back plans.
Are your pockets nearly empty? Are you drowning in a sea of debt? Perhaps you have decided against the idea of taking a second mortgage on your house since you're concerned about qualifying, or you're daunted by the difficulty of paying off your first mortgage. You should know that all homes, regardless of size, become homes for sale with a rent back plan.
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Helpful Hints To Improve Your Credit
Improve your Overall Credit with these Helpful Tips
by TLKleban
Ok, you've had a few problems getting all of your bills paid recently. You go to sleep wondering how you are going to get by and how you can repair the damage done to your credit. Hopefully, this can put your mind at ease – You're not the only one with bad credit. More than 30 million Americans have credit scores under 620 and severe enough to make getting loans and credit cards with reasonable terms near impossible.
Let's say your credit score isn't on life support like those people but you wouldn't mind improving it a little. That's fair enough since a better credit score can help you get lower interest rates on mortgages, loans, and credit cards. Next time you bring up credit score and start to feel down and disappointed with what you see, use these simple things to improve your score.
Merit Capital Advance looks at the big picture by offering a financing program that provides small businesses with fast business cash. It is the most convenient way to get a small business cash advance when you need it most. Visit Merit Capital Advance at www.meritcapitaladvance.com.
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by TLKleban
Ok, you've had a few problems getting all of your bills paid recently. You go to sleep wondering how you are going to get by and how you can repair the damage done to your credit. Hopefully, this can put your mind at ease – You're not the only one with bad credit. More than 30 million Americans have credit scores under 620 and severe enough to make getting loans and credit cards with reasonable terms near impossible.
Let's say your credit score isn't on life support like those people but you wouldn't mind improving it a little. That's fair enough since a better credit score can help you get lower interest rates on mortgages, loans, and credit cards. Next time you bring up credit score and start to feel down and disappointed with what you see, use these simple things to improve your score.
- Get a copy of your credit report - How are you supposed to repair your credit if you don't even know what it is or what to work on? Any of the major credit bureaus can help in getting a copy for yourself to look over an review.
- Clean up your credit report - There will be times as you are looking over your credit report and there will be wrong information. You are allowed to by law to have it removed. All further reports from then on out will include what you feel is correct and information stating your dispute over inaccuracies.
- Get current on delinquent accounts - Were you aware that payment history consists of 35% of your total credit score. A great and instant way to make an impact on your credit is to start paying on delinquent accounts and get current.
- Keep balances open on accounts - Try to hold off on closing out credit cards which are delinquent. This may have an adverse affect on your credit score. Make sure it won't before you close one out.
- Call your creditors - You may be a little surprised with this being on my list since they are the ones you are avoiding but try to hear them out. They can and will work with you in some circumstances. Tell them about your specific situation. Many crediting companies have temporary hardship programs available. These reduce the monthly minimum payments until you can pay more on the balance.
- Pay off debts - Your credit score will never improve unless you begin paying off those debts. I'm sorry to say this but you may need to sell off some of your things if you don't have the cash on hand. I know it's a sacrifice but it is worth making for some financial freedom.
- Be patient - Your credit didn't end up in the dumps overnight and it won't get out either. It's going to take some time. The only thing you can do is keep paying on those debts. Eventually, you'll see some improvement.
Merit Capital Advance looks at the big picture by offering a financing program that provides small businesses with fast business cash. It is the most convenient way to get a small business cash advance when you need it most. Visit Merit Capital Advance at www.meritcapitaladvance.com.
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Sunday, November 25, 2007
Home Equity Credit Line
Home Equity Credit Line
by Tsubaki Chan
What is a home equity line of credit?
A home equity line of credit is a form of turning credit in which your home serves as collateral. Because the home is liable to be a consumer's prevalent asset, many homeowners use their credit position only for main objects such as schooling, home improvements, or health invoices and not for day-to-day expenses. With a home equity line, you will be official for an unusual total of credit your credit check, the utmost total you may sponge at any one time under the plan. Many plans set the credit check on a home equity line by pleasing a percentage (say, 75 percent) of the home's appraised treasure and subtracting from that the tally allocated on the free credit. For example, accept example [D] In determining your actual credit check, the lender will also respect your ability to reimburse, by looking at your returns, debts, and other monetary obligations as well as your credit saga. Many home equity plans set a flat stage during which you can sponge money, such as 10 days. At the end of this "draw stage," you may be all allocated to renew the credit line. If your plan does not authorize renewals, you will not be able to sponge additional money once the stage has broken. Some plans may call for payment in bursting of any outstanding tally at the end of the stage. Others may authorize reimbursement over a flat stage (the "reimbursement stage"), for example, 10 days. Once official for a home equity line of credit, you will most liable be able to sponge up to your credit check when you want. Typically, you will use unusual checks to draw on your line. Under some plans, lenders can use a credit license or other means to draw on the line. There may be cessations on how you use the line. Some plans may demand you to sponge a least total each time you draw on the line (for example, $300) and to keep a least total outstanding. Some plans may also demand that you take an original heighten when the line is set up....
What should you look for when shopping for a plan?
If you elect to affect for a home equity line of credit, look for the plan that best meets your particular desires. Read the credit accord carbureting, and sift the language and conditions of diverse plans, well the yearly percentage velocity (APR) and the outlay of establishing the plan. The APR for a home equity line is based on the activity velocity forlorn and will not show the last outlay and other fees and charges, so you'll want to relate this outlay, as well as the APRs, among plans....
Interest rate charges and related plan features
Home equity position of credit typically contain adaptable quite than flat activity velocities. The adaptable velocity must be based on a overtly existing sign (such as the superior velocity available in some main daily newspapers or a U.S. bargains invoice velocity); the activity velocity for sponging under the home equity line changes, mirroring fluctuations in the treasure of the sign. Most plans cite the activity velocity you will pay as the treasure of the sign at a particular time good a "margin," such as 2 percentage points. Because the expense of sponging is fixed openly to the treasure of the sign, it is important to find out which sign is worn, how regularly the treasure of the sign changes, and how high it has risen in the older as well as the total of the margin. Plans sometimes bargain a temporarily discounted activity velocity for home equity positional velocity that is unusually low and may last for only an introductory stage, such as 6 months. Variable velocity plans available by an apartment must, by law, have a ceiling (or cap) on how greatly your activity velocity may heighten over the life of the plan. Some adaptable velocity plans check how greatly your payment may heighten and how low your activity velocity may descend if activity velocities drip. Some plans authorize you to convince from an adaptable activity velocity to a flat velocity during the life of the plan, or to convince all or a portion of your line to flatter installment finance. Procedure commonly authorizes the lender to freeze or decrease your credit line under certain circumstances. For example, some adaptable velocity plans may not authorize you to draw additional resources during a stage in which the activity velocity reaches the cap....
Tsubaki Chan writes for http://www.creditlinya.com where you can find out more about Credit Line and other topics.
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by Tsubaki Chan
What is a home equity line of credit?
A home equity line of credit is a form of turning credit in which your home serves as collateral. Because the home is liable to be a consumer's prevalent asset, many homeowners use their credit position only for main objects such as schooling, home improvements, or health invoices and not for day-to-day expenses. With a home equity line, you will be official for an unusual total of credit your credit check, the utmost total you may sponge at any one time under the plan. Many plans set the credit check on a home equity line by pleasing a percentage (say, 75 percent) of the home's appraised treasure and subtracting from that the tally allocated on the free credit. For example, accept example [D] In determining your actual credit check, the lender will also respect your ability to reimburse, by looking at your returns, debts, and other monetary obligations as well as your credit saga. Many home equity plans set a flat stage during which you can sponge money, such as 10 days. At the end of this "draw stage," you may be all allocated to renew the credit line. If your plan does not authorize renewals, you will not be able to sponge additional money once the stage has broken. Some plans may call for payment in bursting of any outstanding tally at the end of the stage. Others may authorize reimbursement over a flat stage (the "reimbursement stage"), for example, 10 days. Once official for a home equity line of credit, you will most liable be able to sponge up to your credit check when you want. Typically, you will use unusual checks to draw on your line. Under some plans, lenders can use a credit license or other means to draw on the line. There may be cessations on how you use the line. Some plans may demand you to sponge a least total each time you draw on the line (for example, $300) and to keep a least total outstanding. Some plans may also demand that you take an original heighten when the line is set up....
What should you look for when shopping for a plan?
If you elect to affect for a home equity line of credit, look for the plan that best meets your particular desires. Read the credit accord carbureting, and sift the language and conditions of diverse plans, well the yearly percentage velocity (APR) and the outlay of establishing the plan. The APR for a home equity line is based on the activity velocity forlorn and will not show the last outlay and other fees and charges, so you'll want to relate this outlay, as well as the APRs, among plans....
Interest rate charges and related plan features
Home equity position of credit typically contain adaptable quite than flat activity velocities. The adaptable velocity must be based on a overtly existing sign (such as the superior velocity available in some main daily newspapers or a U.S. bargains invoice velocity); the activity velocity for sponging under the home equity line changes, mirroring fluctuations in the treasure of the sign. Most plans cite the activity velocity you will pay as the treasure of the sign at a particular time good a "margin," such as 2 percentage points. Because the expense of sponging is fixed openly to the treasure of the sign, it is important to find out which sign is worn, how regularly the treasure of the sign changes, and how high it has risen in the older as well as the total of the margin. Plans sometimes bargain a temporarily discounted activity velocity for home equity positional velocity that is unusually low and may last for only an introductory stage, such as 6 months. Variable velocity plans available by an apartment must, by law, have a ceiling (or cap) on how greatly your activity velocity may heighten over the life of the plan. Some adaptable velocity plans check how greatly your payment may heighten and how low your activity velocity may descend if activity velocities drip. Some plans authorize you to convince from an adaptable activity velocity to a flat velocity during the life of the plan, or to convince all or a portion of your line to flatter installment finance. Procedure commonly authorizes the lender to freeze or decrease your credit line under certain circumstances. For example, some adaptable velocity plans may not authorize you to draw additional resources during a stage in which the activity velocity reaches the cap....
Tsubaki Chan writes for http://www.creditlinya.com where you can find out more about Credit Line and other topics.
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Bed and Breakfast versus Hotel
Bed & Breakfasts Versus Hotels
by Patti Rob
Even as more hotels continue to crop up in various locations, you still have that segment of individuals that are very interested in spending their time in a bed & breakfast instead. They may be tired of the whole hotel scene and what it has to offer them. Most bed & breakfast locations are simple but also very personal when it comes to the services they provide. Even though some of them have plenty of rooms to offer, they still make their guests the number one priority.
The atmosphere in a hotel can be chaotic at times. You may have to wait a very long time to get your breakfast, to check in, or to get the front desk to address some other need you have. With most bed & breakfast locations, your needs will be met immediately and you can get back to enjoying yourself. This is a great way to pamper yourself too.
While many hotels offer a continental breakfast, you can enjoy a hearty meal in the morning at a bed & breakfast. The fact that someone is in the kitchen making food just for you to enjoy on a personal level makes it very special. Perhaps the morning paper will be waiting, some fresh cut flowers on the table, or even information on various activities in the area that you can engage in.
Traveling can really make a person long for the simple pleasures of home. With a bed & breakfast, you can readily access some of those things you have often taken for granted while you are home. You should be able to relax and feel very comfortable at a bed & breakfast location just like you would at home.
Others are simply curious about a bed & breakfast because they have heard such raving reviews about them. They may want to find out first hand what all the excitement is about. They may find the experience to be something they really enjoy and so they seek out other bed & breakfast locations the next time they travel.
For your guests, you may not have the room in your home to accommodate them. It can feel very impersonal to put them up at a hotel. You may feel more comfortable knowing they are at a lovely bed & breakfast not too far from you. This is a great way to treat them to something special while they in town to spend some time with you.
The little things are what really make the difference with the top rated bed & breakfast locations. Hotels often miss these details and as a result guests don't feel valued while they are staying there. Almost everyone that has the option to stay at a bed & breakfast over a hotel will do so as long as they have had good experiences with this type of establishment in the past.
Word of mouth and the reviews that people post about your bed & breakfast online are going to bring you more customers as long as you continue to exceed the expectations of your guests. Some bed & breakfast locations even have to turn away requests for reservations as they are booked solid for their rooms.
Patti Rob has some new, profitable ideas for starting a Bed and Breakfast. This information might give you a foot up when you consider buying a B&B.
Article Directory: Article Dashboard
by Patti Rob
Even as more hotels continue to crop up in various locations, you still have that segment of individuals that are very interested in spending their time in a bed & breakfast instead. They may be tired of the whole hotel scene and what it has to offer them. Most bed & breakfast locations are simple but also very personal when it comes to the services they provide. Even though some of them have plenty of rooms to offer, they still make their guests the number one priority.
The atmosphere in a hotel can be chaotic at times. You may have to wait a very long time to get your breakfast, to check in, or to get the front desk to address some other need you have. With most bed & breakfast locations, your needs will be met immediately and you can get back to enjoying yourself. This is a great way to pamper yourself too.
While many hotels offer a continental breakfast, you can enjoy a hearty meal in the morning at a bed & breakfast. The fact that someone is in the kitchen making food just for you to enjoy on a personal level makes it very special. Perhaps the morning paper will be waiting, some fresh cut flowers on the table, or even information on various activities in the area that you can engage in.
Traveling can really make a person long for the simple pleasures of home. With a bed & breakfast, you can readily access some of those things you have often taken for granted while you are home. You should be able to relax and feel very comfortable at a bed & breakfast location just like you would at home.
Others are simply curious about a bed & breakfast because they have heard such raving reviews about them. They may want to find out first hand what all the excitement is about. They may find the experience to be something they really enjoy and so they seek out other bed & breakfast locations the next time they travel.
For your guests, you may not have the room in your home to accommodate them. It can feel very impersonal to put them up at a hotel. You may feel more comfortable knowing they are at a lovely bed & breakfast not too far from you. This is a great way to treat them to something special while they in town to spend some time with you.
The little things are what really make the difference with the top rated bed & breakfast locations. Hotels often miss these details and as a result guests don't feel valued while they are staying there. Almost everyone that has the option to stay at a bed & breakfast over a hotel will do so as long as they have had good experiences with this type of establishment in the past.
Word of mouth and the reviews that people post about your bed & breakfast online are going to bring you more customers as long as you continue to exceed the expectations of your guests. Some bed & breakfast locations even have to turn away requests for reservations as they are booked solid for their rooms.
Patti Rob has some new, profitable ideas for starting a Bed and Breakfast. This information might give you a foot up when you consider buying a B&B.
Article Directory: Article Dashboard
Thursday, November 22, 2007
Your 10 Best Home Based Business List
Your 10 Best Home Based Business List by Marl Atkins
Do you know that if you *really* want to, you can work for your own business from your own home - even if you're UNDER SIXTEEN!! Literally thousands of people have home based businesses, many of whom have no other jobs. If they can do it, so can you.
Before you decide what to do you need to educate yourself on the many different opportunities that exist, on the basic mechanics of running your own small business and at least briefly on five or six different types of business. From there you can compile a list of the best home based business opportunities for you and then simply select your top choice.
Here are a few ideas and examples to get your creative juices flowing:
When I was 12 years old, I had a paper route. Now paper routes are considered small businesses and they're available for sale. I got just a little older and dropped the paper route. I put an ad in the local newspaper offering services as an 'odd job guy'. I got calls and soon had a regular clientele, mostly of small businesses who needed clean up work done at regular intervals. At the time I was too young to realize that this was a very viable and potentially VERY lucrative business. You can very easily start a business as an 'odd job guy' or a 'handy man'.
I had friend who worked in a document printing shop. She started creating decorative stationary packages on the side. She sold them to friends and small businesses with whom she was aquainted. Soon afterward she had an e-commerce Website developed for her new business and started marketing it more. Soon she was selling a whole array of products that were related to her stationary. Before the end of a year she had to quit her job. She said she was losing too much money by working there. You could start a business selling products that you can make yourself.
As far as e-commerce Web 'stores' go, you don't have to make anything. Many companies offer businesses an opportunity to sell their products for a profit. You can sell trinkets, clothes, kitchen items, cameras, clocks, insurance!; the list goes on and on. You don't even have to buy stock in bulk, store it OR ship it. You can buy items as you sell them and have your supplier 'drop ship' the items directly to your customer.
Here's a twist: you can expand the above idea to include international buying and/or bartering. You could start an international bartering company.
Both my wife and I had normal jobs working for companies. My wife worked as a technical editor. She got layed off from one company and started work for another. Soon after, the first company started hiring her on the side to do work after hours. Before long she was working evenings and weekends for a few companies. We decided to start a small business offering technical writing and graphic design. At one point her company went through a major lay off and she along with a few hundred others was layed off. I determined that it was a good time for her to start working for our business full time and I launched a major mail marketing/cold calling campaign. Within one year we had so much business that I had to quit my job just to keep up with the work. Not long afterward I acquired a Microsoft® certification for software development. I started developing software for the clients we already had. We've made more money working for ourselves than either of us ever made working for a company. If you can write you can start a business as a 'writer'. If you can develop software (or can learn how to) you can start a business as a software consultant.
In our small business we contracted a bookkeeper. She had been working for a company as a customer service rep. and as their bookkeeper. She was very personable and had a reputation for being very trustworthy. People she knew from her customer service work started asking her to do their books for them on the side. Before long all her weekends and evenings were taken up doing bookkeeping. The company she worked for went bankrupt. She had to get another job. Instead she called every small business owner she knew and also went through the phone book calling businesses, offering 'off site bookkeeping services'. She never did get a job. She still has her own business offering bookkeeping services and makes more money than she ever did working for a company.
The same girl, now very excited about having her own business, started buying materials and studying other home based business opportunities. She learned of a popular business: 'Bill Auditor'. Unfortunately, many utility companies (phone, water, electric, etc.) consistently overbill their clients 'by accident', especially when the client is a business. Because their internal staff is too busy to check, most of these 'oversights' go undetected costing the company thousands of dollars over the years. She started offering 'bill auditing' which basically amounts to checking every single bill and then forcing the companies to fix any 'mistakes' and resend their bill. She also handles all of the bill paying for her client. She can easily market this service because she can offer it to them for BETTER THAN FREE! because of the the savings from the billing 'mistakes'. In the long run her service costs them NOTHING and instead they actually SAVE money.
I know a girl who worked for a medium sized business as a secretary. She started to get intrigued with the idea of working at home and started buying books and did some research. she learned that she could start a business in 'secretarial services'. She bought a computer with a built in fax and Internet capability. She studied enough to learn how to market it and put a few ads in some newspapers. She got enough response to gain the courage to quit her job and launch her business full time. She sent out a few mailings to small businesses and then called the same businesses. Soon she was getting more work than she could handle. Now she has employees who also work at home but for her business. If you can type and have a computer you can pretty easily start a 'secretarial services' business.
I know many people who learned to buy real estate as investors and soon after quit their jobs. You see infomercials on TV all the time about techniques for becoming a real estate investor. We're all skeptical but it's TRUE. You really CAN buy properties for 70% of market value, with NO MONEY DOWN (out of your pocket), even if your credit is less than perfect. In fact, the United States is currently in the middle of a foreclosure crisis. This misfortune is creating a very unique opportunity to cash in big on foreclosures while helping alleviate the problem. The banks are all but giving these properties away. YOu can do a little bit of research on how to buy a house with a 'short sale'. Basically, you convince the bank to let you pay off your seller's loan but at a very deep discount (as low as 50% of the loan balance). Where do you get the money? Do a little research on 'hard money lenders'. YOu can get the money VERY EASILY!
I have friends who are 'day traders'. That is, they buy and sell stocks at home, for themselves. This business does not involve offering products or services to anyone. You simply buy and sell stock all day, trying to make a profit on each transaction. This business does take a significant amount of start up capital (50K to 100K) and nerves of STEEL. I did it for awile and made pretty good money but the stress is very high. The trick is to NOT GAMBLE. That's right. Basically, I used a technique called 'technical analysis' and ALWAYS played WITH the odds. If a deal went south, I baled out quick. If it went my way I stuck with it until I EXPECTED a probable change and then baled out even if it was still going my way. I have friends who do this full time and make very good money doing it.
Many home based businesses exist. You can start a 'mobile car care' business. You would wash and detail customers' cars at their place of business while they work. You could start a lawn care or snow shoveling business. How about a 'mobile dog grooming' business. You can groom animals (cut their fur, shampoo, etc.) at their homes. If you don't mind a little education you can be a 'medical transcriptionist'. Are you a Certified Public Accountant? You can start a business as an accountant or maybe a 'tax accountant'. I have a tax accountant. You could start any number of construction companies. Many do not require special licenses. For example, you could be a drywaller or a tile setter. You could do pressure cleaning or run a concrete pumper. Some of these businesses would require some start up capital. Others really only require initiative.
So you see, if you have just a little bit of 'vision' you too can work at home in your own business. Chances are high that you can make more money than you ever will by working for another company. After all, they're taking all the 'profit'. Where do you start? Buy a few books and a few 'home business packages'. EDUCATE YOURSELF. Then start creating a list of the businesses that you think are the most appropriate for you. Study those businesses further until you've got a clear idea of what you're getting into. Then pick your top choice and GO FOR IT!!
Marl K. Atkins is an Internet marketing consultant specializing in the promotion of small to medium sized businesses.
A Premier Florida Web Design Firm, Orlando
Article Directory: Article Dashboard
Do you know that if you *really* want to, you can work for your own business from your own home - even if you're UNDER SIXTEEN!! Literally thousands of people have home based businesses, many of whom have no other jobs. If they can do it, so can you.
Before you decide what to do you need to educate yourself on the many different opportunities that exist, on the basic mechanics of running your own small business and at least briefly on five or six different types of business. From there you can compile a list of the best home based business opportunities for you and then simply select your top choice.
Here are a few ideas and examples to get your creative juices flowing:
When I was 12 years old, I had a paper route. Now paper routes are considered small businesses and they're available for sale. I got just a little older and dropped the paper route. I put an ad in the local newspaper offering services as an 'odd job guy'. I got calls and soon had a regular clientele, mostly of small businesses who needed clean up work done at regular intervals. At the time I was too young to realize that this was a very viable and potentially VERY lucrative business. You can very easily start a business as an 'odd job guy' or a 'handy man'.
I had friend who worked in a document printing shop. She started creating decorative stationary packages on the side. She sold them to friends and small businesses with whom she was aquainted. Soon afterward she had an e-commerce Website developed for her new business and started marketing it more. Soon she was selling a whole array of products that were related to her stationary. Before the end of a year she had to quit her job. She said she was losing too much money by working there. You could start a business selling products that you can make yourself.
As far as e-commerce Web 'stores' go, you don't have to make anything. Many companies offer businesses an opportunity to sell their products for a profit. You can sell trinkets, clothes, kitchen items, cameras, clocks, insurance!; the list goes on and on. You don't even have to buy stock in bulk, store it OR ship it. You can buy items as you sell them and have your supplier 'drop ship' the items directly to your customer.
Here's a twist: you can expand the above idea to include international buying and/or bartering. You could start an international bartering company.
Both my wife and I had normal jobs working for companies. My wife worked as a technical editor. She got layed off from one company and started work for another. Soon after, the first company started hiring her on the side to do work after hours. Before long she was working evenings and weekends for a few companies. We decided to start a small business offering technical writing and graphic design. At one point her company went through a major lay off and she along with a few hundred others was layed off. I determined that it was a good time for her to start working for our business full time and I launched a major mail marketing/cold calling campaign. Within one year we had so much business that I had to quit my job just to keep up with the work. Not long afterward I acquired a Microsoft® certification for software development. I started developing software for the clients we already had. We've made more money working for ourselves than either of us ever made working for a company. If you can write you can start a business as a 'writer'. If you can develop software (or can learn how to) you can start a business as a software consultant.
In our small business we contracted a bookkeeper. She had been working for a company as a customer service rep. and as their bookkeeper. She was very personable and had a reputation for being very trustworthy. People she knew from her customer service work started asking her to do their books for them on the side. Before long all her weekends and evenings were taken up doing bookkeeping. The company she worked for went bankrupt. She had to get another job. Instead she called every small business owner she knew and also went through the phone book calling businesses, offering 'off site bookkeeping services'. She never did get a job. She still has her own business offering bookkeeping services and makes more money than she ever did working for a company.
The same girl, now very excited about having her own business, started buying materials and studying other home based business opportunities. She learned of a popular business: 'Bill Auditor'. Unfortunately, many utility companies (phone, water, electric, etc.) consistently overbill their clients 'by accident', especially when the client is a business. Because their internal staff is too busy to check, most of these 'oversights' go undetected costing the company thousands of dollars over the years. She started offering 'bill auditing' which basically amounts to checking every single bill and then forcing the companies to fix any 'mistakes' and resend their bill. She also handles all of the bill paying for her client. She can easily market this service because she can offer it to them for BETTER THAN FREE! because of the the savings from the billing 'mistakes'. In the long run her service costs them NOTHING and instead they actually SAVE money.
I know a girl who worked for a medium sized business as a secretary. She started to get intrigued with the idea of working at home and started buying books and did some research. she learned that she could start a business in 'secretarial services'. She bought a computer with a built in fax and Internet capability. She studied enough to learn how to market it and put a few ads in some newspapers. She got enough response to gain the courage to quit her job and launch her business full time. She sent out a few mailings to small businesses and then called the same businesses. Soon she was getting more work than she could handle. Now she has employees who also work at home but for her business. If you can type and have a computer you can pretty easily start a 'secretarial services' business.
I know many people who learned to buy real estate as investors and soon after quit their jobs. You see infomercials on TV all the time about techniques for becoming a real estate investor. We're all skeptical but it's TRUE. You really CAN buy properties for 70% of market value, with NO MONEY DOWN (out of your pocket), even if your credit is less than perfect. In fact, the United States is currently in the middle of a foreclosure crisis. This misfortune is creating a very unique opportunity to cash in big on foreclosures while helping alleviate the problem. The banks are all but giving these properties away. YOu can do a little bit of research on how to buy a house with a 'short sale'. Basically, you convince the bank to let you pay off your seller's loan but at a very deep discount (as low as 50% of the loan balance). Where do you get the money? Do a little research on 'hard money lenders'. YOu can get the money VERY EASILY!
I have friends who are 'day traders'. That is, they buy and sell stocks at home, for themselves. This business does not involve offering products or services to anyone. You simply buy and sell stock all day, trying to make a profit on each transaction. This business does take a significant amount of start up capital (50K to 100K) and nerves of STEEL. I did it for awile and made pretty good money but the stress is very high. The trick is to NOT GAMBLE. That's right. Basically, I used a technique called 'technical analysis' and ALWAYS played WITH the odds. If a deal went south, I baled out quick. If it went my way I stuck with it until I EXPECTED a probable change and then baled out even if it was still going my way. I have friends who do this full time and make very good money doing it.
Many home based businesses exist. You can start a 'mobile car care' business. You would wash and detail customers' cars at their place of business while they work. You could start a lawn care or snow shoveling business. How about a 'mobile dog grooming' business. You can groom animals (cut their fur, shampoo, etc.) at their homes. If you don't mind a little education you can be a 'medical transcriptionist'. Are you a Certified Public Accountant? You can start a business as an accountant or maybe a 'tax accountant'. I have a tax accountant. You could start any number of construction companies. Many do not require special licenses. For example, you could be a drywaller or a tile setter. You could do pressure cleaning or run a concrete pumper. Some of these businesses would require some start up capital. Others really only require initiative.
So you see, if you have just a little bit of 'vision' you too can work at home in your own business. Chances are high that you can make more money than you ever will by working for another company. After all, they're taking all the 'profit'. Where do you start? Buy a few books and a few 'home business packages'. EDUCATE YOURSELF. Then start creating a list of the businesses that you think are the most appropriate for you. Study those businesses further until you've got a clear idea of what you're getting into. Then pick your top choice and GO FOR IT!!
Marl K. Atkins is an Internet marketing consultant specializing in the promotion of small to medium sized businesses.
A Premier Florida Web Design Firm, Orlando
Article Directory: Article Dashboard
Friday, November 16, 2007
10 Tips To Help You Avoid Bankruptcy
Avoid Bankruptcy With Our 10 Top Tips
By Wade RobinsMany people want to know how they can avoid bancruptcy, it can be a difficult question to answer, especially when you have to consider the individuals unique circumstances. This article is going to try to give you the ten best ways to help you avoid filing for personal bankruptcy. This advice is just that, it's not legal advice and it certainly shouldnt be relied upon. You should seek qualified legal advice before making any decisions about your debt.
1. Idealy you need to increase the amount of money you have available to you every month. The best, and fastest way is to get a second job. You will only be able to take a second job if your full time job allows this. Even if the part time job only gives you two hundred dollars a week, that mounts up to 800 dollars a month, this will go a long way to reducing your debt. Write down all of the debts that you have, put the ones with the highest interest rate at the top as you will aim to pay these off first.
2. You must stop using your credit cards, they are the source of your trouble. If you can bear it then cut the cards up so that they can never be used again. Failing that you could give them to your wife. A credit card is however good for emergencies, you should keep one, just one mind!
3. Take a look at all of your assets and decide which ones are worth the most. Normally people dont realise just how much the things they own are worth.Houses are scarce goods and so appreciate in value, this appreciation may help in reducing your debt.If you cannot cover all of your debt by taking out a second mortgage then dont consider using this step, it's only worthwhile if you can pay everything off.
4. Unfortunatly cars are not like houses, 99% of cars depreciate in value. If your car is still worth something then would you consider selling it? Of course you will need a car, so buy a cheaper car. Just remember that you do get what you pay for. Paying for something too cheep could be a really big mistake. For more info see http://www.filingpersonalbankruptcyhelp.com/Bankruptcy_ExemptionsBankruptcy Exemptions.
This is by no means a concise guide to reducing your debt, these are simply a few possible solutions to your debt.
Take a close look at all of your assets. You may be able to assess the equity in your home or other asset so that you can pay off the other debt you owe. Don???t do this though if it is not realistic for you to maintain both your current mortgage and a second payment on the home. You don't want to end up losing it. Your vehicle many have equity in it as well that you can take advantage of. There is also the option of trading your vehicle in for one that comes with a lower payment. Just make sure it is reliable so you aren???t constantly paying for repairs on it.
About the Author: You can also find more info on Bankruptcy Code and Bankruptcy Court.
Source: www.isnare.com
Permanent Link: http://www.isnare.com/?aid=201917&ca=Finances
Making Your Fortune with Public Domain
Making Your Fortune With The Public Domain by Omar Johnson
Did you know that you could boost your income or even create an income just by utilizing the public domain? Maybe that term is vague or unfamiliar. Simply stated, the public domain refers to the status of certain types of creative material that may have once been copyrighted or patented. That material, though created by other people, belongs to the public. The 'public', which includes you, can then use this material in any way they see fit.
Some examples of material that could be in the public domain include music, books, audio recordings, artwork or unclassified material created by the U.S. Government. Yes! Even if the U.S. Government created it, you can use it to your benefit. That includes Government forms, white papers, photographs, broadcasts and other literature.
All of this material which may have been created by experts, professionals in their field, who pulled together years of struggle and research, now belongs to anyone who can put it to good use. It's a completely legal process that companies have used for years.
HOW MATERIAL BECOMES PART OF THE PUBLIC DOMAIN
Now don't think that if you spend years of research and labor to produce a book, a report or an audio recording, that it can just suddenly not belong to you anymore. There are ways to protect your material, but, of course, it is up to you to take the necessary actions to actually do it. Let's go through the different ways that material can become part of the public domain.
The first way something enters the public domain is by virtue of the fact that it was created by the U.S. Government. Though people sometimes get confused, it is the Government that works for the people and not the other way around. So when the Government conducts a study and publishes its findings, it's like telling an employee to gather information and report back to the company. The 'company' in this analogy is THE PUBLIC!
The second way a copyrighted or patented thing becomes part of the public domain is if the copyright or patent has already expired. Supposing a person creates something that can be copyrighted or patented, that ownership is for a limited period of time. For a copyright, the length of time is generally the duration of the author's life plus 70 years before it becomes part of the public domain.
A patent's lifespan is only 20 years, but it can be renewed. Also, material that was created before copyright laws were in place is now part of the public domain and that includes anything created before 1923. The bible and the inventions of Leonardo Da Vinci are therefore part of the public domain.
A third way material enters the public domain is if it is a fact. However, there is a stipulation. If you were to come up with a new mathematical formula, that would become part of the public domain. You can't own facts.
On the other hand, if you were to use that formula in conjunction with other formulas to create a new kind of computer program, that program could be owned by you, protected and, therefore, NOT enter the public domain. So facts belong to the public, but if you creatively organize and/or present those facts, that can be copyrighted or patented by you and thus would not enter the public domain.
You should now have a fair understanding of how material becomes part of the public domain. All you need to do is find it and use it creatively to profit from it. For instance, maybe you could take the inventions of Leonardo Da Vinci, recreate the blueprints and build a best-selling novel around them.
Perhaps you could search for and gather, Government Reports on a specific topic and then provide your own analysis on how to interpret them. Everyone knows Government documents can be difficult to understand! It's possible that some Government Studies support and give credibility to your business or invention.
In that case, publish the Studies on your website, in your newsletter or in a Press Release. Your options are unlimited in the ways you can use material found in the public domain to your benefit.
It's important to note that the copyright and patent laws can get extremely complex, therefore only use this information as a solid foundation. After all the technicalities of Law jargon, the U.S. Governments, all 50 State Governments, the European Union and other countries get factored in, it can quickly become an overwhelming task to understand it. That's why it's always a good idea to check with your local governing bodies to make sure you are following the law of the land.
Omar Johnson is author of the home study course "How to Make Money On the Internet While You are Asleep" Get your Free Report
Article Source: Article Center
Did you know that you could boost your income or even create an income just by utilizing the public domain? Maybe that term is vague or unfamiliar. Simply stated, the public domain refers to the status of certain types of creative material that may have once been copyrighted or patented. That material, though created by other people, belongs to the public. The 'public', which includes you, can then use this material in any way they see fit.
Some examples of material that could be in the public domain include music, books, audio recordings, artwork or unclassified material created by the U.S. Government. Yes! Even if the U.S. Government created it, you can use it to your benefit. That includes Government forms, white papers, photographs, broadcasts and other literature.
All of this material which may have been created by experts, professionals in their field, who pulled together years of struggle and research, now belongs to anyone who can put it to good use. It's a completely legal process that companies have used for years.
HOW MATERIAL BECOMES PART OF THE PUBLIC DOMAIN
Now don't think that if you spend years of research and labor to produce a book, a report or an audio recording, that it can just suddenly not belong to you anymore. There are ways to protect your material, but, of course, it is up to you to take the necessary actions to actually do it. Let's go through the different ways that material can become part of the public domain.
The first way something enters the public domain is by virtue of the fact that it was created by the U.S. Government. Though people sometimes get confused, it is the Government that works for the people and not the other way around. So when the Government conducts a study and publishes its findings, it's like telling an employee to gather information and report back to the company. The 'company' in this analogy is THE PUBLIC!
The second way a copyrighted or patented thing becomes part of the public domain is if the copyright or patent has already expired. Supposing a person creates something that can be copyrighted or patented, that ownership is for a limited period of time. For a copyright, the length of time is generally the duration of the author's life plus 70 years before it becomes part of the public domain.
A patent's lifespan is only 20 years, but it can be renewed. Also, material that was created before copyright laws were in place is now part of the public domain and that includes anything created before 1923. The bible and the inventions of Leonardo Da Vinci are therefore part of the public domain.
A third way material enters the public domain is if it is a fact. However, there is a stipulation. If you were to come up with a new mathematical formula, that would become part of the public domain. You can't own facts.
On the other hand, if you were to use that formula in conjunction with other formulas to create a new kind of computer program, that program could be owned by you, protected and, therefore, NOT enter the public domain. So facts belong to the public, but if you creatively organize and/or present those facts, that can be copyrighted or patented by you and thus would not enter the public domain.
You should now have a fair understanding of how material becomes part of the public domain. All you need to do is find it and use it creatively to profit from it. For instance, maybe you could take the inventions of Leonardo Da Vinci, recreate the blueprints and build a best-selling novel around them.
Perhaps you could search for and gather, Government Reports on a specific topic and then provide your own analysis on how to interpret them. Everyone knows Government documents can be difficult to understand! It's possible that some Government Studies support and give credibility to your business or invention.
In that case, publish the Studies on your website, in your newsletter or in a Press Release. Your options are unlimited in the ways you can use material found in the public domain to your benefit.
It's important to note that the copyright and patent laws can get extremely complex, therefore only use this information as a solid foundation. After all the technicalities of Law jargon, the U.S. Governments, all 50 State Governments, the European Union and other countries get factored in, it can quickly become an overwhelming task to understand it. That's why it's always a good idea to check with your local governing bodies to make sure you are following the law of the land.
Omar Johnson is author of the home study course "How to Make Money On the Internet While You are Asleep" Get your Free Report
Article Source: Article Center
Sunday, November 11, 2007
The Inside Story of Debt Consolidation
The Inside Story Of Debt Consolidation
Debt consolidation is a service that requires you to take a low interest loan to pay off other high interest loans. The aim of the loan is to reduce the monthly payments.
If you have been paying high interest rates on an unsecured loan, then you can look for a secured debt consolidation loan that requires you to pledge security collateral against the loan. It can be a home or an asset of higher value than the loan amount.
Collateralization automatically reduces the risk for the lender and hence the lender will be more than willing to offer low rates. On the other hand, if you default on the loan, there is always the risk of foreclosure or forced sale of the asset which you pledged as security in the first place.
Debt consolidation in paying credit card debt
If you are paying a credit card debt, then you must know that credit cards have a higher interest rate than even an unsecured loan. You can always seek a debt consolidation secured loan by pledging property or a vehicle as collateral and reduce your monthly interest rates. The total interest and the cash flow will also be reduced and it will allow you to pay off the debt sooner than the norm.
But if you are an impulsive spender who spends more than he earns, then this will not benefit you that much for you will only increase your credit card balance.
Types of debt consolidation,
There are several types of debt consolidation loans in which you take one low interest loan to repay several loans that you might be paying now.
Bankruptcy is one of the debt consolidation loan types. The rules state that you can repay a part of the loan even if you are not paying it off completely. The court usually assigns someone to supervise the payment distribution. You make the timely payments to the appointee who then pays it to your creditors.
You can also seek credit counseling services for debt consolidation. In this you do not take out a loan but use a third party to negotiate on your behalf for reducing the interest rates and the monthly payments. You pay the monthly installments to the counselor who then distributes it to the creditors. You can once again save on interest rates here.
Although debt negotiation is not necessarily a type of debt consolidation, it is considered to be a similar service. The counselor will set up an account in which you have to make monthly payments. The money from this account is used to pay off the creditors. The counselor is better equipped and has considerable expertise in making negotiations and you will be able to get much better rates than norm.
Finally, the type of debt consolidation loan that you choose depends on your personal situation and choice. Make sure that you understand the pros and cons for each one before selecting it.
Debbie Groves is the owner of The Debt Consolidation People, Inc. which is a premier resource for debt consolidation information. For more information, go to http://www.thedebtconsolidationpeople.com/
Monday, October 15, 2007
The Best Credit Cards If You Have No Credit
The Best Credit Cards If You Have No Credit
By Morgan HamiltonToday, carrying actual money can be very inconvenient, not only that it bulks up your pockets or wallet but there is also more risk by losing it or get it stolen. To solve this problem, a great invention is introduced that enables you to buy things without carrying cash around. We called it credit cards.
This 2 inch by 3-inch plastic can enable you to buy without actually paying cash.
A credit card is a type of transaction settlement. This works by lending the consumer money from the credit card issuer or a bank without having the money removed from the consumer’s account. This means that if you purchase an item using a credit card, the credit card company will lend you money that you will have to pay back.
Sometimes people get out of control when using credit cards, so there is something we call credit limit to limit the purchase.
If you have poor or no credit history and you would want to have a credit card, the best option would be applying for a secured credit card. Secured credit card works just like an ordinary card, but secured by a deposit account owned by the cardholder.
To apply for a secured credit card, the cardholder must first deposit 100% to 200% of the amount of credit desired. This means that if the cardholder deposits $1000.00, he or she will be given a credit that range between 500 – 1000 dollars. Secured credit card deposits are held in special savings account.
Secured credit card holders expect to make the regular payments agreed upon, just as you would do in regular credit cards. However, if the cardholder defaults a payment, the credit card issuer can recover the cost of the credit card holder’s purchases by taking money from the deposit.
Another way to obtain a credit card is to establish a credit history. To do this you must apply for a small loan or a line of credit from your bank.
Getting a loan can be difficult. You can increase your chances of getting your small loan approved by making a large down payment. If you do not have cash, borrow from your parents or family member.
One way to establish a credit history is through gas cards. This is practically easy to get and a very good way to show that you pay your bills responsibly, assuming that you pay every month or before the established payment date.
Research about what the credit card issuer requires applying for a credit card.
If you these do not work, apply for a secured credit card. This will require you to deposit money in a special savings account to ensure credit card issuers that they will get their money back. However, applying for a secured credit card often has higher interest rates.
When you are using secured credit card it is best that you pay on time and avoid having the credit card issuer to take money from your deposit. This is because credit card issuers will often upgrade your secured credit card to regular credit card after a few months of making payments on time.
Avoid being rejected by credit card issuers. Apply for a credit card which requirements can easily meet the requirements.
About the Author: Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Credit Cards. Get the information you are seeking now by visiting http://www.getqualitycreditcards.com/categories/bad_credit_credit_cards
Source: www.isnare.com
Permanent Link: http://www.isnare.com/?aid=50313&ca=Finances
Wednesday, October 3, 2007
7 Reasons You Need Business Credit
Seven Reasons Why You Need Business Credit
Have you ever noticed that it is a lot easier to borrow money when you don't need it? The reality is that if you are down and out – either personally or in your business – nobody will lend you a dime. If you're riding high, people (and institutions) seem ready, willing and able to open their wallet.
The best solution is to make sure you have access to money now, before you need it. You don't necessarily need cash in hand, either. Having a flexible line of credit that you can use when you need it can be just as effective.
Here are seven great reasons for establishing a dependable source of money NOW, rather than when the roof is caving in.
1. Timing is everything. At the risk of being redundant, nail down a dependable source of cash before you need it. If a great opportunity comes up, you want to be able to act immediately. If there's an emergency, you don't have time to start looking for funds. Either way, cash – or its equivalent – can make the difference. In short, opportunities don't wait. And you can't wait if there's a crisis looming.
2. Make decisions from a position of strength. It is empowering to make a business decision knowing you have a definite pool of money to work with. It brings a degree of clarity that wishing, hoping and guessing can't match.
3. Stay in control. In business, almost nothing can put you into a tailspin like a significant financial squeeze. If you have to make payroll or meet an unexpected expense, you'll have to scramble to "pull forward" anything with a dollar sign attached. Would you feel more in control if you had a pre-approved line of credit that you could tap if and when an emergency occurred?
4. Changing market conditions. In recent months, top mortgage lenders have closed their doors or severely cut back programs for home buyers. Forclosures are high. The current housing and mortgage environment is creating pressure on business in general. Unsecured credit is almost impossible to find. If you can find a line of credit today, don't wait.
5. Convenience. What could be more convenient than having a pre-approved line of credit available that you can use with the ease of writing a check? You certainly don't want to jump through a lot of hoops every time you need to use the money. For most people, ease of use, minimal hassles, and clear step-by-step processes are worth the investment. After all, how much is your time and peace of mind worth? Find a line of credit that is easy to get and easy to use.
6. Separate your personal assets from your business. Many entrepreneurs and small business owners fall into the trap of using their own money and credit to build their business. This can have a serious impact for the business owner. Consider the implications. A business owner's personal assets and credit can be eaten up quickly if he or she acts as the bank. Also, personal debt can slam your debt-to-income ratios, which could limit you if you wanted to buy that new dream home. Create a line of credit for your business, instead.
7. Use Other People's Money. Leverage is the name of the game. While you have to consider the cost of money, the leverage you gain by being able to use OPM can make the difference in creating wealth and positioning your business for success. A business line of credit can provide start-up capital, consolidate debt, fund business growth, and replace personal money used to fund business expenses.
For More Information: info@www.GetBusinessLinesofCredit.com To apply for a business line of credit: http://www.getbusinesslinesofcredit.com/
Eliminating Credit Card Debt
Five Easy Steps to Credit Card Debt Elimination
For many consumers, credit card debt elimination can seem like mission impossible. When you're thousands of dollars in debt and trying desperately to find a light at the end of the tunnel, the outlook can be quite bleak. Fortunately, no one is beyond help when it comes to breaking free from credit card debt. Here are five easy steps that will have you on the road to credit card debt elimination in no time.
1. Get All of Your Credit Card Statements Together
If you're serious about credit card debt elimination, the first thing you need to do is gather all of your credit card statements together and begin creating a "debt elimination" spreadsheet.
What's going to go on this spreadsheet? You'll want to note how much you owe on each credit card, the interest rate and whether that rate is an introductory teaser rate or a long-term rate. If any of your credit card rates are currently on an introductory time line, make note of when that rate will expire and what it will go up to when it does.
2. Figure Out How Much You Can Afford Each Month
Once you know exactly where your debt stands, it's time to form your game plan. This is critical if you want to pursue credit card debt elimination in the quickest and most efficient manner possible.
First, take a look at how much you can afford to put towards your debt each month. Add up all of your monthly expenses (not including the minimum monthly credit card payments you must make). Take all of your other expenses (include rent/mortgage, car payments, insurance, gas, groceries, utilities, phone, etc.) and add them up.
Once you have your monthly expenses added up, deduct them from your income and see how much you have left over. Take as much of that amount as you possibly can and put it towards your credit card debt elimination plan.
For instance, let's say you have $400 a month left after all of your monthly expenses have been paid. Take $350 of that (leave $50 for emergencies, etc.) and put that towards paying off your credit card debt.
3. Addressing Your Minimum Monthly Payments
The next step towards credit card debt elimination is adding up all of the minimum monthly payments for all of your credit cards. For instance, if you have three credit cards, all with a minimum monthly payment of $75, your total minimum monthly payments would be $225.
If your credit card allocation were $350 each month like the scenario we outlined above, you'd be in okay shape so far. However, if your minimum monthly payments were $400 and you could only afford $350, then you have a serious problem and you need to start cutting out expenses. This may mean turning off your cable till you've achieved credit card debt elimination or foregoing your Starbucks runs, but it will be worth it in the long run.
4. The Plan of Attack
Now that you know exactly how much debt you have and how much money you can afford to pay off that debt each month, it's time to form your plan of attack.
First, take the total of your minimum monthly payments and subtract it from what you have allocated towards credit card debt elimination. So if you have minimum monthly payments of $225 and a credit card debt elimination allocation of $350, your remaining balance would be $125. Take that $125 and apply it towards the credit card with the highest interest rate.
Once the credit card with the highest interest rate is paid off, you're going to take the money you were paying towards that card each month (in this case, it'd be the $125 plus the $75 minimum monthly payment) and pay that $200 towards the card that now has the highest interest rate in addition to the minimum monthly payment. Keep repeating this process until you have achieved total credit card debt elimination.
5. The Fruits of Your Labor
Once your credit cards are all paid off, take half of what you were paying towards your debt and put it into a savings account. This will help you avoid having to rack up credit card debt in the future.
What are you going to do with the other half? Take that half and apply it to the things you were doing without while pursuing credit card debt elimination. After all, once credit card debt elimination is achieved, you do deserve to treat yourself.
For more tips on credit card debt, saving money and avoiding getting taken, check out CreditCardTipsEtc.com, a website that specializes in providing credit card tips, advice and resources.
Wednesday, September 26, 2007
Debt Consolidation - No More Worries
Debt Consolidation – Get Rid From All the Financial Worries
Author: Arvind
How many are stressed out by even the thought of a pending loan payment? Do you find repayment of loans a heavy burden? What can you do to minimize the burden of loan payments? If you need valuable answers to these imperative questions of your life, which might save you monetarily from debt and financial burden, please read further.
Today normal middle class people get a lot of loans to buy a car, house etc. The rules or regulation revolving around these loans are usually forgotten and when the times comes to pay back the debt or at least the debt installment these people are stranded and know not what to do. In such cases contacting the debt Consolidation Company might help. Yes, you heard it right; debt consolidation is the only solution that helps you at the time of need.
When you are in the middle of this loan crisis, just go for debt consolidation by availing the services of free debt consolidation help. Many companies who offer loan or lend debt offer this service for free. People cannot afford paid service of the debt consolidation can take these free services. The loan providers consolidate the installments making it easier for the payer to pay his loans in a single payment.
Debt consolidation services can be very useful especially as it helps the loan payer to better manage his finances. Counseling is also provided by the loan service providers in the form of debt consolidation counseling to help people to get guidance and advice on paying back the installment for loans. It is always a good choice to choose a free debt consolidation service as it comes for free.
The loan repayment is a great burden and who will want to get paid services for debt consolidation. Online help is also provided to help people who are looking out for ways and means to pay back their loan installments and be free of loan payments. Always choose a debt consolidation quote with a less interest and don’t take too much time to decide which one to take, as the interest rates might sour up at any time.
Happily pay back the loans as per the guidance and timely help provided by the debt consolidators and sail through the debts that were over powering you and making you frustrated. Relieve yourself of the burden of loan repayments in style by availing the services of the debt consolidators.
Article Source: http://www.articlesbase.com/debt-consolidation-articles/debt-consolidation-get-rid-from-all-the-financial-worries-220860.html
About the Author:
Debt Consolidation World is an online informational resource center with articles providing in-depth knowledge about Debt Consolidation. Know how Debt Consolidation Calculator is the first step towards debt free life.
Tuesday, September 25, 2007
Preventing Identity Theft
14 Steps You Can Take to Prevent Identity Theft:
By: Etienne A. Gibbs
The Fair and Accurate Credit Transaction Act, known commonly as FACTA, was put into law in the United States to help to protect consumers from identity theft and to help in its prevention. FACTA ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit and it entitles them to a free annual credit report to verify its accuracy.
Becoming a major epidemic, Identity Theft occurs when a criminal uses another person's personal information to take on that person's identity. Identity theft includes the misuse of a Social Security number, credit cards, mail fraud, scam, schemes, frauds, or any other form of misuse or abuse of a victim's identity.
There is no guarantee that you will never be a victim; however, there are steps you can take to minimize your risk. Here is a list of 14 steps you can take to prevent or at least minimize its occurrence:
1. Manage your personal information cautiously and with a new awareness that identity theft can occur anytime anywhere and when you least expect it.
2. Ask about security procedures in your workplace, doctor's office, or other business or organization that routinely collects relevant and personal identifying information as part of doing business or providing a service. Find out who has access to your personal information and verify that it is handled securely. Inquire about their disposal procedures and if your information will be shared with anyone else (namely third parties such as mailing list companies, marketing and survey companies, etc.).
3. Instead of giving your Social Security Number, inquire if you can use other types of identification. Use your Social Security Number with caution and only when absolutely necessary.
"Your Chances of becoming victimized by some form of identity theft is one in ten," according to the Federal Trade Commission.
4. If you find that you have been victimized, immediately file a complaint with the Federal Trade Commission. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint helps the FTC learn more about identity theft and the problems victims are having. This knowledge helps them to assist you better.
5. Carry only the identification and the number of credit and debit cards that you will actually use. Leave extra cards in a safe place at home, in a safety deposit box, or any other secured location.
6. Avoid giving out personal information on the phone, through the mail, or on the internet unless you are absolutely sure you know and can trust with whom you are communicating. Caution: Before you share personal information, be sure you are dealing with a legitimate business or organization. (If you are unsure about an online communication, check the organization's website by typing its URL in the address line. Most large companies post alerts on their sites when they are aware of a scam when their name is used improperly.)
Identity thieves usually pose as representatives of banks, lotteries, sweepstakes, internet service providers, or some other officially-sounding-entity. They will use any means possible to try to get you to reveal your valuable information.
7. Call the Customer Service Department of companies or organizations with whom you do business using the number listed on your account statement or in the telephone book.
8. Do not place passwords on your credit card, bank, or telephone accounts.
9. When choosing a password, avoid using obvious information like your mother's maiden name, your birth date, a series of consecutive numbers, or the last four digits of your Social Security Number or your phone number.
10. Pay attention to your billing cycles. A missing bill could mean an identity thief has gotten their hands on it.
"9.9 million people were victims of identity theft in 2002", according to the Federal Trade Commission. Don't wait until it happens to you.
11. Be wary of promotional scams or phony offers to get you to give them your personal information such as lottery and sweepstakes' that you have never entered and ones asking for an "administration" fee.
12. If your job requires you to suit up in special clothing at work, never leave your purse or wallet in your personal clothes. Always keep them in a safe and secured place.
13. When reordering checks, pick them up at the bank instead of having them sent to your mailbox.
14. Obtain a current credit report by contacting any of these major credit bureaus:
Equifax: P.O. Box 740241 Atlanta, GA 30374-0241
For Fraud Alerts, call: 800-525-6285
Experian: P.O. Box 2002 Allen TX 75013
For Fraud Alerts, call: 888-EXPERIAN (397-3742)
Trans Union: P.O. Box 1000, Chester, PA 19022
For Fraud Alerts, call: 800-680-7289
Think you're not at risk? Unfortunately, you are. View "Protecting Your Identity" blog at www.ProtectingYourIdentity.blogspot.com to learn more about what you can do to protect yours.
Author Bio
Known as The Master Blog Builder, Etienne A. Gibbs, MSW, is in the business of helping small business owners and non-profit organizations improve their customer relationship marketing. Often he comes across cases that are red flags calling identity thieves to come in. Hence, he started the "Protecting Your Identity" blog. Contact him at: www.MasterBlogBuilder.com
Article Source: http://www.articlegeek.com
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