| 1131 | Federal Student Loan Consolidation: The Other ReFi Boom Preview: You've heard about refinancing in the mortgage market. Who hasn't? Interest rates are at all-time lows. Folks have refinanced two and three times in as many years to save thousands of dollars in interest they would have otherwise paid. There's a similar lesser-known boom happening in the world of federal student loans. Refinancing or consolidati... (more) Published By: Elizabeth Belli Submitted: 12 February,2003 |
| 1132 | Student Loan Consolidation: The Other ReFi Boom Preview: You've heard about refinancing in the mortgage market. Who hasn't? Interest rates are at all-time lows. Folks have refinanced two and three times in as many years to save thousands of dollars in interest they would have otherwise paid. There's a similar lesser-known boom happening in the world of federal student loans, because refinancing or con... (more) Published By: Elizabeth Belli ConsolidateYourLoans.com Submitted: 12 February,2003 |
| 1133 | What's Your Credit Score? (and what does it mean?) Preview: Anyone applying for a mortgage will probably hear the term "credit score" mentioned at least once, and you'll ask "What's my credit score?" Depending on where you live, you may or may not get a straight answer. Some lenders or credit companies may tell you that they cannot legally release it to you, which is not true. The law does not prohibit the... (more) Published By: Carole Talley Submitted: 24 February,2003 |
| 1134 | Credit for Qualified Retirement Savings Contribution Preview: Credit for Qualified Retirement Savings Contribution Here we are again its tax time. And with all the turmoil in our country not to mention in our private lives, Uncle Sam expects us to sit up and take notice of the time of year and file our tax returns with the IRS. Well I don’t know about you but with all the tax law changes and the comings and... (more) Published By: Kathy Abbott Submitted: 25 February,2003 |
| 1135 | IRS Free File Is Not A Free-For-All Preview: Looking for a way to reduce the cost of income tax preparation this year? Then you came to the right place -- maybe! The IRS has launched a new program this year -- it's called "Free File", and it enables you to prepare and e-file your personal income tax return online for free. But, alas, there is no free lunch and likewise this "free" program ... (more) Published By: Wayne M. Davies Submitted: 25 February,2003 |
| 1136 | Interpreting Bar Charts Preview: The opening price of a daily or a weekly bar usually illustrates the amateurs' view of value. Research has shown that opening prices very often occur near the highs or lows of daily bars. Prices tend to recoil later in the day from the extremes set early on by the buying or selling of amateurs. The actions of professional traders are often ... (more) Published By: Philip Birchley Submitted: 05 March,2003 |
| 1137 | Create Your Own Ultimate Debt Elimination Plan Preview: The method is simple. 1) Set a monthly amount. 2) Pay all minimum amounts. 3) Pay extra money toward the debt with the highest interest rate. This method will ensure that you pay the least amount of interest and repay your debts as soon as possible. The trick to paying the least amount of interest possible is to pay extra money toward the debt w... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1138 | Taxes, Taxes, Taxes: Who Really Pays The Most? Preview: Each April our thoughts turn to the coming of spring and the coming of the tax man. I hear a lot of people complaining about taxes at this time of year. Not just that they have to do their taxes and spend hours pouring over old records and trying to figure out indecipherable forms, but also musings and opinions about taxes in general. I often he... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1139 | Inflation: What Is It And Why Does It Happen? Preview: "Inflation is the overall or specific increase in the cost of a good or service." Thank you, Mr. Dictionary. Inflation is when your mom or dad complains about the prices they have to pay nowadays compared to what they paid when they were a younger. "I remember when a candy bar only cost a nickel." "I used to buy gas at that station for 15¢ a ga... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1140 | How To Save Thousands On A Mortgage Or Any Other Loan Preview: Interest on the average home mortgage will cost the homeowner nearly TWO TIMES the cost of the home. If you were to purchase a $150,000 home with a $120,000 mortgage (80%), and you paid an interest rate of 9% for 30 years, you will have paid over $227,500 just in interest (in addition to the original $120,000). That's nearly two times the cost of... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1141 | Personal Finance 101 Preview: The subject of personal finance is very broad, but as a beginning, I would like to discuss what I consider the foundation of personal finance: security. Security Security to me means that I am prepared for the "hit by a bus" scenario. I have life insurance to provide for my wife and children. Health, disability, auto and home insurance policies... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1142 | An Emergency Fund: Your First Line Of Defense Preview: Downsizing, rightsizing, forced retirement, layoffs, firings, outsourcing, and being made redundant. All could mean the same thing to you: financial catastrophe. No, you may not have to declare bankruptcy or move back in with your parents, but losing your job could put a big dent in your financial goals and even set you back several years. You m... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1143 | The Proper Use Of Credit Cards Preview: Credits cards are a convenience, not a crutch. Credit cards are a great way to make purchases and record to the penny your spending. They also provide a way to postpone payment on items and thereby earn more interest on your money. For example, if you have a money market account that gives you 5% annual interest and you spend $1000 a month throu... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1144 | Crushing Credit Card Debt Preview: How much do YOU owe on your credit cards? The average American family is now over $7000 in debt just on their credit cards. That debt generates an interest charge of over $105 each month if your card charges the average 18%. If you have missed a payment or made a late payment (even by one day!), you may be paying up to 27% interest or over $157 e... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1145 | Cash Advance Loans: Loan Sharks In Disguise? Preview: You have seen them on the corner and in the poorer parts of town with names like "Quick Cash", "Quick Loan", "Payday Loans", "Car Title Loans". They are starting to sprout up all over the country and will soon rival Starbucks for sheer number of locations. They are the new trend in predatory lending practices but still manage to fly under the rad... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1146 | The Credit Card Offer Preview: One day I got a call from my credit card company asking me if I would like to increase my credit limit by borrowing up to $9000 at their special rate of 15.9%. The operator stated, "Your credit card rate will then be a low 15.9%. How much would you like to transfer today to take advantage of this offer? Do you have any high interest loans you wou... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1147 | Credit Card Traps, And How To Avoid Them Preview: "0% interest* for the first six months, no annual fees** and a low fixed*** rate of only 8.9%****!" * Unless you count the deferred interest we will charge you if you don't pay off the full balance transfer amount when the promotional period ends. ** Except the ones we charge for "late payments****", going over your balance, cash advances, balan... (more) Published By: David Berky Submitted: 07 March,2003 |
| 1148 | Do Lifestyle funds provide greater security? Preview: With the stock market stubbornly refusing to settle down and smooth out, Wall Street has been scrambling to come up with "product" they can sell to gun shy investors. One such new concept is the Lifestyle fund; an extremely diversified package designed to be the single fund in an investor's portfolio. There are two general types of these funds... (more) Published By: Ulli G. Niemann Submitted: 10 March,2003 |
| 1149 | How we eluded the bear in 2000 Preview: The date October 13, 2000 will forever be embedded in my mind. It was the day after our mutual fund trend tracking indicator had broken its long-term trend line and I sold 100% of my clients’ invested positions (and my own) and moved the proceeds to the safety of money market accounts. Some people thought we were nuts, but I had come to trus... (more) Published By: Ulli G. Niemann Submitted: 13 March,2003 |
| 1150 | Short-Term or PayDay Loans Preview: Please feel free to use this article for your newsletter, ezine, or web site, in its entirety including the resource box. Please notify me of publication by sending a website link or a copy of your ezine when published mailto:cigllc@yahoo.com. Thank you! Short-Term or PayD ay Loans By Stanley T. Crawford Short-term loans, payday loans, and cash... (more) Published By: Stanley T. Crawford Submitted: 17 March,2003 |