| 1531 | Mortgage prepayment penalties - Just say no Preview: One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance. ... (more) Published By: Jakob Jelling Submitted: 09 November,2004 |
| 1532 | Disaster decision - Do you need insurance? Preview: The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance. Disaster insurance is typically defined as addition... (more) Published By: Jakob Jelling Submitted: 09 November,2004 |
| 1533 | Dealing with dual real estate agents Preview: Historically, real estate agents have represented the seller of a property. The seller, after all, is usually the one who pays their commission, and agents therefore have a fiduciary relationship with the seller. This in no way means that agents may operate outside the bounds of the law and ethical conduct of course. It just means that the real es... (more) Published By: Jakob Jelling Submitted: 09 November,2004 |
| 1534 | At home in your overseas home Preview: Homeownership, in any form, is a big step for most people. In fact, it's often one of the biggest financial decisions of our lives. Despite that, sometimes a homeowner in one country will want to buy a second home in another country, whether for a vacation home or future retirement. Usually they make this decision after realizing they visit the sa... (more) Published By: Jakob Jelling Submitted: 09 November,2004 |
| 1535 | The Effects of Consumer Debt Preview: Consumer Borrowing Consumer borrowing in the UK has now crashed through the £1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today? The National Consumer Council reports that 6 million families in the UK are already strugg... (more) Published By: Nicola Bullimore Submitted: 09 November,2004 |
| 1536 | Real estate auction action - Buying a home at auction Preview: Due in part to the popularity of the U. S. Department of Housing and Urban Development (HUD)'s home auction program, more potential homebuyers than ever are buying homes at auction. Homes for auction aren't limited to just HUD, however. Many government entities auction homes for payment of back taxes, and some homeowners even auction their homes o... (more) Published By: Jakob Jelling Submitted: 09 November,2004 |
| 1537 | STOCK OPTIONS ARE NOT RISKY! Preview: The words “derivative” and “stock option” have become synonymous with “high risk” in the public mind. This is an unfounded belief. Worse still, it is an unfortunate situation because the truth is that stock options can significantly reduce risk within your investment portfolio. In fact, exchange traded options came into being for the purpose of r... (more) Published By: Christopher L. Smith, B.B.A., J.D. Submitted: 10 November,2004 |
| 1538 | Justify Social Security ... Don't Save for Retirement Preview: It is a common question when investors review their retirement plan—should we include social security benefits into our retirement income projections? It seems the closer an investor is to retirement, the more likely he/she will include social security benefits into the analysis. Younger investors, however, may feel compelled to omit such benefit... (more) Published By: Kemberly Wardlaw Submitted: 10 November,2004 |
| 1539 | “Offshore” in Nevada: Nevada Asset Protection Trusts Preview: Are you interested in outstanding asset protection but uncomfortable about the costs and red flags of using offshore trusts? Then read on about Nevada’s new onshore asset protection trust. Traditionally, creditor protection is afforded to beneficiaries of a trust through inclusion of a “spendthrift provision.” Spendthrift provisions were developed... (more) Published By: Sutton Law Center Attorney - Trevor Stapleton Submitted: 11 November,2004 |
| 1540 | Pay Day Loans - Are They A Crime? Preview: No, but the Consumer Federation of America calls pay day loans legal loan sharking. It Is A Fee, Not Excessive Interest. Pay day loans are legal in most states because they are charging you a fee, not an excessive interest rate. Excessive interest rates are illegal in most states. Outrageous Credit. Pay day loans are an outrageous form of cred... (more) Published By: Randy McClure Submitted: 11 November,2004 |
| 1541 | Red and Blue Investment Portfolios Preview: Some investment time spans leave investors with black and blue investment portfolios causing them to see red. Statements showing a drop in portfolio value weakens the resolve of many investors. Usually, this takes place during uncertainty about sudden or expected long-term economic changes. A Presidential elections arouse uncertainty on Wall Stree... (more) Published By: A. Raymond Randall Submitted: 11 November,2004 |
| 1542 | Credit Traps Snag Consumers Preview: Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card back then, you often had to apply to a bank in Arkan... (more) Published By: Gerri Detweiler Submitted: 11 November,2004 |
| 1543 | SuperCharged Secret 2 - LIVING IN CREDIT CARD UTOPIA Preview: 5 SuperCharged Secrets to Credit Card Utopia! Secret 2 of 5 INTEREST BEWARE, THERE’S SAFETY IN NUMBERS! Note: The following is part 2 of a 5 part series, Over the course of these 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. This informatio... (more) Published By: Tom Levine Submitted: 15 November,2004 |
| 1544 | A Guide To Understanding Merchant Account Rates & Fees Preview: A Guide To Understanding Merchant Account Rates & Fees By understanding the true costs associated with merchant account pricing, you can make an educated decision as to which merchant account is really best for your needs. You have opened your business and realize that accepting credit cards will increase your sales dramatically. It is now ... (more) Published By: Bobi Michaelson Submitted: 15 November,2004 |
| 1545 | SuperCharged Secret 5 - LIVING IN CREDIT CARD UTOPIA!!!!! Preview: 5 SuperCharged Secrets to Credit Card Utopia! Secret 5 of 5 LIVING IN CREDIT CARD UTOPIA Let’s just take a brief moment to recap: If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 4 very important things: a)You now know how to take advantage of zero to low int... (more) Published By: Tom Levine Submitted: 15 November,2004 |
| 1546 | SuperCharged Secret 4 - LIVING IN CREDIT CARD UTOPIA!!!! Preview: 5 SuperCharged Secrets to Credit Card Utopia! Secret 4 of 5 YOU SCRATCH MY BACK, AND I’LL BUY SOME MORE BEER! Let’s just take a brief moment to recap: If you’ve been following along on this journey with me, learning the 5 Super-Charged secrets to Credit Card Utopia, then you now know 3 very important things: a)You now know how to take advanta... (more) Published By: Tom Levine Submitted: 15 November,2004 |
| 1547 | Should I Refinance With My Current Lender? Preview: With so many homeowners refinancing lately, there are hundreds of refinancing questions being asked. One of the most common is "Should I refinance with my current lender?" The answer is both yes and no. Your current lender should be the last lender that you obtain a quote from, but you should definitely contact them when you are thinking of refin... (more) Published By: by Craig Romero Submitted: 15 November,2004 |
| 1548 | The Stock Market Investor’s Worst Enemy Preview: The Stock Market Investor’s Worst Enemy Every stock market investor faces one primal enemy. An enemy so perverse, it will drive thousands of investors from the stock market through its ability to defeat even the most practiced investment strategy. Who is this enemy you ask? Your arch nemesis, in this case, goes by the name E. Motions…don’t ask me... (more) Published By: Jeff Fairchild Submitted: 15 November,2004 |
| 1549 | 5 Magic Points: Should I BUY or RENT my HOME? Preview: Buying a Home is the American Dream. It is more than a place you put your hat at the end of the day. It defines you, protects you, and prospers with you. Yes, Home Ownership is a noble pursuit, but it always starts with this first, important question: Should I buy or Rent my Home? The answer, surprisingly, is not so obvious. Now the question of... (more) Published By: Tom Levine Submitted: 15 November,2004 |
| 1550 | SuperCharged Secret 1 - LIVING IN CREDIT CARD UTOPIA! Preview: 5 SuperCharged Secrets to Credit Card Utopia! Secret 1 of 5 I AM THE CONSUMER. AND I HAVE LOW-RATE SUPER-POWERS! Note: The following is part 1 of a 5 part series, Over the course of these next 5 articles, I am going to introduce you to several methods for maximizing the use and benefits of the best Credit Cards and offers on the market today. Th... (more) Published By: Tom Levine Submitted: 15 November,2004 |