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Friday, October 12, 2007
Sunday, October 7, 2007
Best Car Donation Tips To Save You Money On Your Taxes
Best Car Donation Tips To Save You Money On Your Taxes
04th October 2007
Author: Helen Hecker
In the United States it's possible to donate a vehicle (usually a car, but it can be a boat or any other form of transportation) to certain charities, and in return be able to claim a tax deduction on your personal income tax return. A car donation may be accepted on the condition that the vehicle doesn't have to run but should be in towing condition. A charitable car donation may be worth more than a trade-in.The new rules allow the donor to deduct only the amount the charity receives for the vehicle. Charities usually provide you with a release of liability when they take your vehicle, and after the car sells, they send you a tax-deduction form that explains how much they received for your car. There have been car donors who needed a new vehicle and they ended up buying donated and repaired vehicles.You may have an old vehicle sitting on your property or on the street that you don't use very often. Make sure you have the title in hand if you call in your donation. You can usually donate a sad-looking car that's not running, depending on the charity. The donor benefits from the donation by receiving a tax receipt for the highest possible value of the vehicle. It's good to know that when you donate a car, you'll get it off your property within just a couple of days, freeing up space in the garage, in the driveway or even your yard.Your vehicle has to have all four of the tires inflated in order to be accepted. By donating a car it can eliminate spending money on repairs, advertising fees and the problems or liabilities associated with selling a vehicle. In some cases charitable car donors can still claim fair market value for their used vehicle.If your automobile, truck, boat, motorcycle, RV or aircraft is no longer of use to you, it can still go a long way toward supporting the charity of your choice. Make sure to fill out the forms the charity representative gives you and have them ready for the driver when he comes to pick up the car. No need to pay for advertising, no loss of privacy and possible security risk, and no need to pay for vehicle registration, insurance, and repairs to keep your car in running condition while you wait for a buyer.Also, if your car is running, consider dropping it off with the charity yourself to save the organization from paying for towing costs. For states that require smog certificates or safety inspection certificates, you can donate your vehicle without these documents. And some cars may not qualify for the tax exemption because of the condition they're in. There are a few exceptions in the new tax law regarding the fair market value section, for example, you may base your deduction on the vehicle's fair market value if the charity sells it to a needy individual at a discounted price or if the charity uses the car as part of its mission instead of selling it. Some charities have the capability to repair or perform maintenance and get a donated vehicle ready for sale. A vehicle donation is allowed if you itemize your income tax return. Whether it's the law in your state or not it's a good idea to protect yourself by having proper insurance coverage on your vehicle until it's donated. One of the exceptions to the new IRS regulations allows donors to still deduct the fair market value of their vehicle, provided the charity materially improves the vehicle. If you donate a car you can get a tax break and help your community at the same time. Major charity car donation programs include: Kidney Foundation Car Donation Program, Target and Goodwill Industries. Whatever the case, your car donation, like any charitable donation, will get you a good tax deduction, will go to help someone in need and it'll make you feel good that you were able to help in some way.For info on choosing the best charity car donation, car donation program, used or charitable car donation online and offline go to http://www.Car-Donation-Info.com for tax deduction tips, reviews, and info on all types of car donation
This article is free for republishingSource: http://www.a1articles.com/article_222911_19.html
04th October 2007
Author: Helen Hecker
In the United States it's possible to donate a vehicle (usually a car, but it can be a boat or any other form of transportation) to certain charities, and in return be able to claim a tax deduction on your personal income tax return. A car donation may be accepted on the condition that the vehicle doesn't have to run but should be in towing condition. A charitable car donation may be worth more than a trade-in.The new rules allow the donor to deduct only the amount the charity receives for the vehicle. Charities usually provide you with a release of liability when they take your vehicle, and after the car sells, they send you a tax-deduction form that explains how much they received for your car. There have been car donors who needed a new vehicle and they ended up buying donated and repaired vehicles.You may have an old vehicle sitting on your property or on the street that you don't use very often. Make sure you have the title in hand if you call in your donation. You can usually donate a sad-looking car that's not running, depending on the charity. The donor benefits from the donation by receiving a tax receipt for the highest possible value of the vehicle. It's good to know that when you donate a car, you'll get it off your property within just a couple of days, freeing up space in the garage, in the driveway or even your yard.Your vehicle has to have all four of the tires inflated in order to be accepted. By donating a car it can eliminate spending money on repairs, advertising fees and the problems or liabilities associated with selling a vehicle. In some cases charitable car donors can still claim fair market value for their used vehicle.If your automobile, truck, boat, motorcycle, RV or aircraft is no longer of use to you, it can still go a long way toward supporting the charity of your choice. Make sure to fill out the forms the charity representative gives you and have them ready for the driver when he comes to pick up the car. No need to pay for advertising, no loss of privacy and possible security risk, and no need to pay for vehicle registration, insurance, and repairs to keep your car in running condition while you wait for a buyer.Also, if your car is running, consider dropping it off with the charity yourself to save the organization from paying for towing costs. For states that require smog certificates or safety inspection certificates, you can donate your vehicle without these documents. And some cars may not qualify for the tax exemption because of the condition they're in. There are a few exceptions in the new tax law regarding the fair market value section, for example, you may base your deduction on the vehicle's fair market value if the charity sells it to a needy individual at a discounted price or if the charity uses the car as part of its mission instead of selling it. Some charities have the capability to repair or perform maintenance and get a donated vehicle ready for sale. A vehicle donation is allowed if you itemize your income tax return. Whether it's the law in your state or not it's a good idea to protect yourself by having proper insurance coverage on your vehicle until it's donated. One of the exceptions to the new IRS regulations allows donors to still deduct the fair market value of their vehicle, provided the charity materially improves the vehicle. If you donate a car you can get a tax break and help your community at the same time. Major charity car donation programs include: Kidney Foundation Car Donation Program, Target and Goodwill Industries. Whatever the case, your car donation, like any charitable donation, will get you a good tax deduction, will go to help someone in need and it'll make you feel good that you were able to help in some way.For info on choosing the best charity car donation, car donation program, used or charitable car donation online and offline go to http://www.Car-Donation-Info.com for tax deduction tips, reviews, and info on all types of car donation
This article is free for republishingSource: http://www.a1articles.com/article_222911_19.html
Investment Clubs for Kids: Investing Isn't Just For Grown-ups
Investment Clubs for Kids: Investing Isn't Just For Grown-ups
05th October 2007
Author: alvin toh
Investment clubs can be a fantastic opportunity for kids to learn about investing. As they learn about investments they will develop a better understanding of money.How to get startedThe first step is to find a kid-friendly investment club. Browse investment club websites to determine if there are special sections devoted to teaching children or teens about investing. Speak with your neighbors, friends and colleagues to find out if they know of any investment clubs for kids. If you can't find a suitable club you can start your own. Consider getting together with other parents to start an investment club for kids.Choosing a portfolioOne of the hardest things with any investment club is deciding on the specific investments to make. Children have less money to work with than adults so it is important to stick to stocks that are well within their budget. What is most fun for kids is to choose stocks from companies they are familiar with. Think about clothing, food, computer, game software or other companies they use products from.Learning about stocksBefore deciding on what stocks to invest, teach your kids to learn more about the companies they are considering. Children can learn more about a company from its website, by reading its annual report or by looking at its daily stock reports and trends.Finding money to invest in stocksChildren can start by saving their allowance to invest in stocks. Open a savings account at a local bank so they can easily make periodic deposits. Teach children to save part of the money they receive as birthday or Christmas gifts. Older children can be paid extra for completing additional chores around the house. When children are old enough to work outside the home encourage them to take on a part-time job. Parents can help children by setting up a matching program where parents will match the investment amount the child has.Keeping track of investmentsChoose an investment club that offers interactive charts and reports. This will allow you and your child to record and keep track of their investments. Set aside a certain day of the week to spend an hour looking at how the stocks are doing. Make sure to stay on top of the investments and sell stocks when necessary. Follow the market trends using the newspaper or Internet to determine how you think the chosen stocks will perform. Teach children to make a connection between current events and stock trends.------Investing just isn't for grown-ups only. Even young children can learn about investing through investment clubs for kids. Learn more about joining and starting an investment club at www.aboutinvestmentclub.com/home
05th October 2007
Author: alvin toh
Investment clubs can be a fantastic opportunity for kids to learn about investing. As they learn about investments they will develop a better understanding of money.How to get startedThe first step is to find a kid-friendly investment club. Browse investment club websites to determine if there are special sections devoted to teaching children or teens about investing. Speak with your neighbors, friends and colleagues to find out if they know of any investment clubs for kids. If you can't find a suitable club you can start your own. Consider getting together with other parents to start an investment club for kids.Choosing a portfolioOne of the hardest things with any investment club is deciding on the specific investments to make. Children have less money to work with than adults so it is important to stick to stocks that are well within their budget. What is most fun for kids is to choose stocks from companies they are familiar with. Think about clothing, food, computer, game software or other companies they use products from.Learning about stocksBefore deciding on what stocks to invest, teach your kids to learn more about the companies they are considering. Children can learn more about a company from its website, by reading its annual report or by looking at its daily stock reports and trends.Finding money to invest in stocksChildren can start by saving their allowance to invest in stocks. Open a savings account at a local bank so they can easily make periodic deposits. Teach children to save part of the money they receive as birthday or Christmas gifts. Older children can be paid extra for completing additional chores around the house. When children are old enough to work outside the home encourage them to take on a part-time job. Parents can help children by setting up a matching program where parents will match the investment amount the child has.Keeping track of investmentsChoose an investment club that offers interactive charts and reports. This will allow you and your child to record and keep track of their investments. Set aside a certain day of the week to spend an hour looking at how the stocks are doing. Make sure to stay on top of the investments and sell stocks when necessary. Follow the market trends using the newspaper or Internet to determine how you think the chosen stocks will perform. Teach children to make a connection between current events and stock trends.------Investing just isn't for grown-ups only. Even young children can learn about investing through investment clubs for kids. Learn more about joining and starting an investment club at www.aboutinvestmentclub.com/home
Strategies for Conscious Spending
Strategies for Conscious Spending
05th October 2007
Author: Ouida Vincent
In my last article "Infallible Money Rules for the Free Agent", I discussed three money rules that are essential to master if anyone is to "make it" in the world of free agency.Rule number 3 was "You must spend consciously". I explained what conscious spending is but I left out strategies for conscious spending.Spending consciously is essential for successful free agency. A free agent who does not spend consciously will never be free.Conscious spending is spending money in accordance with your values and principles. It is in essence choosing to spend rather than finding yourself saying with some degree of regularity "I just don't know where the money went." It is the word "choice" that brings consciousness to your spending.Most people tell me that they have no choice but to pay their bills...I always ask, "are you choosing your bills?" What I mean is most people choose the bills they have. Here is an example...When I was dating the person who became my spouse I got a calling card, I got a cell phone, I had a regular credit card and my usual land line. My phone bill was over 500 dollars per month. Treating these services as necessities, here I was drowning in bills I chose to have. Just as I chose to have them I could choose not to have them. With all those ways to make calls throughout the day what was I really trying to communicate? I was simply trying to communicate to the person I was in love with that I was in love with them. Yes the phone was convenient but what other ways could I communicate that love? Cards, letters...phone calls at night when the rates were lowest. The moment I made that realization, I moved into consciousness around one area of my spending.I then began looking at all of my bills and asked myself if I needed a particular service. If I could not answer "yes" right away I canceled that service. I then asked myself ...do I have to pay the same amount for the same service from the same vendor or can I negotiate? I found that I could negotiate. I found that I could get a cheaper plan from my cell provider without a compromise in service. I cut my cable bill in half from the same provider without a change in my plan.By looking at my bills and negotiating with vendors I found that I could free up capital that I didn't even know I had to apply toward my higher purpose.I then asked myself another question every time money was about to leave my hand: Do I have to have this now? If my honest answer was no, I did not buy the item. Instead I put the item on a list. If I still wanted it after a month, I bought it. This strategy virtually eliminated my impulse buying. If I determine that I have to have the item now, then I bless the money as it leaves my hand saying: "All money that leaves my hand returns to me multiplied."So we have 3 strategies so far:1) Choose your bills2) Negotiate with your vendors3) Determine your immediate need for everything that you buyStrategy number 4 is the one that few people ever do. It is the one my sister used when she and her family started out and it is the one that I laughed at as she did it. Here it is: record every penny that leaves your hand. Every penny. I have a note book. I categorize the expenditures at the end of 30 days.Do it for 30 days and your life will never be the same. Do it and you will never spend unconsciously again. Do it and you won't need the first three strategies.Do this and you will always know what your values are. Do this and you will be in absolute integrity with yourself around money, always. This will happen because you will ask yourself as you spend an record your expenditures what is this expenditure really supporting? Is it supporting my business, my family, my freedom?Do this one step and you will always know why you spend.Do it and the life of the successful free agent will be yours.------Like most people I went to school to get an education and learn a profession. When I graduated and began working, I realized something was very wrong. The path that I thought would lead me to freedom was instead leading me into quicksand. I got out of the quicksand when I joined the Free Agent Nation. You can find out more about the Free Agent Nation at http://www.freeagentnationonline.com
05th October 2007
Author: Ouida Vincent
In my last article "Infallible Money Rules for the Free Agent", I discussed three money rules that are essential to master if anyone is to "make it" in the world of free agency.Rule number 3 was "You must spend consciously". I explained what conscious spending is but I left out strategies for conscious spending.Spending consciously is essential for successful free agency. A free agent who does not spend consciously will never be free.Conscious spending is spending money in accordance with your values and principles. It is in essence choosing to spend rather than finding yourself saying with some degree of regularity "I just don't know where the money went." It is the word "choice" that brings consciousness to your spending.Most people tell me that they have no choice but to pay their bills...I always ask, "are you choosing your bills?" What I mean is most people choose the bills they have. Here is an example...When I was dating the person who became my spouse I got a calling card, I got a cell phone, I had a regular credit card and my usual land line. My phone bill was over 500 dollars per month. Treating these services as necessities, here I was drowning in bills I chose to have. Just as I chose to have them I could choose not to have them. With all those ways to make calls throughout the day what was I really trying to communicate? I was simply trying to communicate to the person I was in love with that I was in love with them. Yes the phone was convenient but what other ways could I communicate that love? Cards, letters...phone calls at night when the rates were lowest. The moment I made that realization, I moved into consciousness around one area of my spending.I then began looking at all of my bills and asked myself if I needed a particular service. If I could not answer "yes" right away I canceled that service. I then asked myself ...do I have to pay the same amount for the same service from the same vendor or can I negotiate? I found that I could negotiate. I found that I could get a cheaper plan from my cell provider without a compromise in service. I cut my cable bill in half from the same provider without a change in my plan.By looking at my bills and negotiating with vendors I found that I could free up capital that I didn't even know I had to apply toward my higher purpose.I then asked myself another question every time money was about to leave my hand: Do I have to have this now? If my honest answer was no, I did not buy the item. Instead I put the item on a list. If I still wanted it after a month, I bought it. This strategy virtually eliminated my impulse buying. If I determine that I have to have the item now, then I bless the money as it leaves my hand saying: "All money that leaves my hand returns to me multiplied."So we have 3 strategies so far:1) Choose your bills2) Negotiate with your vendors3) Determine your immediate need for everything that you buyStrategy number 4 is the one that few people ever do. It is the one my sister used when she and her family started out and it is the one that I laughed at as she did it. Here it is: record every penny that leaves your hand. Every penny. I have a note book. I categorize the expenditures at the end of 30 days.Do it for 30 days and your life will never be the same. Do it and you will never spend unconsciously again. Do it and you won't need the first three strategies.Do this and you will always know what your values are. Do this and you will be in absolute integrity with yourself around money, always. This will happen because you will ask yourself as you spend an record your expenditures what is this expenditure really supporting? Is it supporting my business, my family, my freedom?Do this one step and you will always know why you spend.Do it and the life of the successful free agent will be yours.------Like most people I went to school to get an education and learn a profession. When I graduated and began working, I realized something was very wrong. The path that I thought would lead me to freedom was instead leading me into quicksand. I got out of the quicksand when I joined the Free Agent Nation. You can find out more about the Free Agent Nation at http://www.freeagentnationonline.com
Cheap motor loan can help you buy your dream car
Cheap motor loan can help you buy your dream car
05th October 2007
Author: Scarlette Riley
Cheap motor loan is gaining in popularity in the contemporary loaning arena, as having a motor vehicle is a personal and business necessity. Cheap motor loan on competitive rates are offered in market. Comparison must be made between the offers on the basis of annual percentage rate involved. Annual percentage rate is the sum total of the interest rate and other overhead cost. Cheap motor loan can be availed in two ways that is by placing collateral and without placing collateral. Features of secured cheap motor loan• Involves collateral, here collateral can be car, home or any other valuable papers. • Low interest rate• Favorable terms and conditions• CollateralFeatures of unsecured cheap motor loan:• Involves no collateral• Low interest rate• No risk on assetFavorable terms & conditionsCheap motor loan is also available online which is reliable, convenient and involves no processing fees and low overhead costs. Your repaying capacity, credit history and other factors are taken into account for approving the loan. Cheap motor loans are what one can rely on, as the lenders are ready to offer the loan at lower interest rates if you meet certain parameters. Cheap motor loans are usually offered against property of the borrower. Good repaying capacity backed by annual income and bank statements reduces interest rate. Lender won’t approve higher amount than the value of the car especially when the car is placed as security of the loan. Loans are to be returned back in shorter duration of 5 to 7 years. The rate of interest will be comparatively higher in unsecured loans . Car must be bought from a reliable dealer for quality concerns. Motor loans are planned in such a manner that any body from any class can afford a car. Motor loans are always cheaper and the repayment term can well extend from 36 months to 72 months. You should always pay your installments in time to avoid bad debt. So what are you waiting for, go for motor loans and make your dreams come true. Set your hands upon the latest model from the market.Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after considerable thought and backed by good financial understanding. To Know more about cheap car loans, unsecured car loans, car loan in the uk, used car loan uk visit http://www.cheapcarloansuk.org.uk
05th October 2007
Author: Scarlette Riley
Cheap motor loan is gaining in popularity in the contemporary loaning arena, as having a motor vehicle is a personal and business necessity. Cheap motor loan on competitive rates are offered in market. Comparison must be made between the offers on the basis of annual percentage rate involved. Annual percentage rate is the sum total of the interest rate and other overhead cost. Cheap motor loan can be availed in two ways that is by placing collateral and without placing collateral. Features of secured cheap motor loan• Involves collateral, here collateral can be car, home or any other valuable papers. • Low interest rate• Favorable terms and conditions• CollateralFeatures of unsecured cheap motor loan:• Involves no collateral• Low interest rate• No risk on assetFavorable terms & conditionsCheap motor loan is also available online which is reliable, convenient and involves no processing fees and low overhead costs. Your repaying capacity, credit history and other factors are taken into account for approving the loan. Cheap motor loans are what one can rely on, as the lenders are ready to offer the loan at lower interest rates if you meet certain parameters. Cheap motor loans are usually offered against property of the borrower. Good repaying capacity backed by annual income and bank statements reduces interest rate. Lender won’t approve higher amount than the value of the car especially when the car is placed as security of the loan. Loans are to be returned back in shorter duration of 5 to 7 years. The rate of interest will be comparatively higher in unsecured loans . Car must be bought from a reliable dealer for quality concerns. Motor loans are planned in such a manner that any body from any class can afford a car. Motor loans are always cheaper and the repayment term can well extend from 36 months to 72 months. You should always pay your installments in time to avoid bad debt. So what are you waiting for, go for motor loans and make your dreams come true. Set your hands upon the latest model from the market.Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after considerable thought and backed by good financial understanding. To Know more about cheap car loans, unsecured car loans, car loan in the uk, used car loan uk visit http://www.cheapcarloansuk.org.uk
Friday, October 5, 2007
Benefiting from Online Surveys
Benefiting from Online Surveys
07th September 2007
Author: mv276
Benefiting from Online SurveysIt seems that every time I go online I am bamboozled and confronted with pop-ups, empty offers and get-rich-quick schemes. Rarely, if ever, do these offers materialize as legitimate opportunities, and it seems that clicking one will amount to nothing more than twenty minutes of wasted browsing and the promise of future spam bombardment. One of the most prevalent online-offer sectors is survey taking. Shady start-up websites promise cash, rewards and sweepstake prizes to the unknowing browser, only to wind up twisting their offers in a web of fine-print and phony qualification requirements. Online survey taking can be a fun and rewarding experience, but choosing a legitimate and stable survey-site is essential. Here are a few tips.Basic web design:I know more than one sagacious mother would gasp at this statement but in many cases online, you can judge a book by its cover. In general if a survey-site has a professional look and pedigree, there is a good chance that the site is owned and operated by a major market research group, and has legitimate corporate clients. These companies are more likely to stay true to their offers and place a high premium on you “opinions” (read: more reward resources). This is not to say that that a website with a professional look wouldn’t swindle you or visa-versa, but in general it is a good policy to stay away from pop-up caliber survey carriers, especially when your time and rewards are at stake!Sign Ups:Under no circumstances should one pay to become a member of an online survey panel. There are many reputable survey-sites that are on a continuous search for serious panelists and will provide them with steady participatory opportunities and rewards. Any service or website that makes you pay to share in these opportunities is essentially robbing you.Join a Panel:Most sites that will allow you to click a few buttons and give a few off-the-cuff opinions are illegitimate and do not have the means to reward you in full. Legitimate market research sites will invite you to join a panel instead. Being part of a market research panel will allow you to be contacted whenever a survey is being conducted, and will not waste your time if your particular demographic is not needed. There is nothing worse than sitting through a half-hour questioning only to find that “you do not qualify for this survey”. Rewards:Most online-survey sites offer some type of reward or incentive to participation. Some offer steady cash, some offer random lottery prizes and others provide goods and services as compensation. In the survey world, one would be best served by choosing the steady and tangible prize opportunities. For example, http://www.myopinionnow.com, a growing and online research site, offers certain point values to its panelist after each survey taken (point values vary based on the length and intensity of the survey). The site has an online catalog of electronics and prizes with which each point can be redeemed, as well as a cash-to-point value equator if one would rather be compensated monetarily. One should avoid the “win a trip to Miami” type-prizes, as the odds stacked against personal compensation are staggering on such websites. There are other sites like MyOpinionNow.com which do a great job of turning your opinions into cool stuff over time, and it’s worth it to seek them out.Hopefully with this information in hand you can become a well-compensated survey taker, shaping the products of tomorrow while putting some easy money in your own pocket!
This article is free for republishingSource: http://www.a1articles.com/article_211358_63.html
07th September 2007
Author: mv276
Benefiting from Online SurveysIt seems that every time I go online I am bamboozled and confronted with pop-ups, empty offers and get-rich-quick schemes. Rarely, if ever, do these offers materialize as legitimate opportunities, and it seems that clicking one will amount to nothing more than twenty minutes of wasted browsing and the promise of future spam bombardment. One of the most prevalent online-offer sectors is survey taking. Shady start-up websites promise cash, rewards and sweepstake prizes to the unknowing browser, only to wind up twisting their offers in a web of fine-print and phony qualification requirements. Online survey taking can be a fun and rewarding experience, but choosing a legitimate and stable survey-site is essential. Here are a few tips.Basic web design:I know more than one sagacious mother would gasp at this statement but in many cases online, you can judge a book by its cover. In general if a survey-site has a professional look and pedigree, there is a good chance that the site is owned and operated by a major market research group, and has legitimate corporate clients. These companies are more likely to stay true to their offers and place a high premium on you “opinions” (read: more reward resources). This is not to say that that a website with a professional look wouldn’t swindle you or visa-versa, but in general it is a good policy to stay away from pop-up caliber survey carriers, especially when your time and rewards are at stake!Sign Ups:Under no circumstances should one pay to become a member of an online survey panel. There are many reputable survey-sites that are on a continuous search for serious panelists and will provide them with steady participatory opportunities and rewards. Any service or website that makes you pay to share in these opportunities is essentially robbing you.Join a Panel:Most sites that will allow you to click a few buttons and give a few off-the-cuff opinions are illegitimate and do not have the means to reward you in full. Legitimate market research sites will invite you to join a panel instead. Being part of a market research panel will allow you to be contacted whenever a survey is being conducted, and will not waste your time if your particular demographic is not needed. There is nothing worse than sitting through a half-hour questioning only to find that “you do not qualify for this survey”. Rewards:Most online-survey sites offer some type of reward or incentive to participation. Some offer steady cash, some offer random lottery prizes and others provide goods and services as compensation. In the survey world, one would be best served by choosing the steady and tangible prize opportunities. For example, http://www.myopinionnow.com, a growing and online research site, offers certain point values to its panelist after each survey taken (point values vary based on the length and intensity of the survey). The site has an online catalog of electronics and prizes with which each point can be redeemed, as well as a cash-to-point value equator if one would rather be compensated monetarily. One should avoid the “win a trip to Miami” type-prizes, as the odds stacked against personal compensation are staggering on such websites. There are other sites like MyOpinionNow.com which do a great job of turning your opinions into cool stuff over time, and it’s worth it to seek them out.Hopefully with this information in hand you can become a well-compensated survey taker, shaping the products of tomorrow while putting some easy money in your own pocket!
This article is free for republishingSource: http://www.a1articles.com/article_211358_63.html
How to Get Ahead of Your Bills
Living paycheck to paycheck is a fact of life for many Americans. Many of us simply can’t afford to pay all sorts of extra fees on top of our monthly bills. Here are some tips to help you pay on time, every time and make living paycheck to paycheck more manageable. Make a spreadsheet or written list of your bills and expenses. You may choose to round up each bill by a few dollars to cover slight fluctuations. Some utilities will allow you to pay an average so that your bill doesn’t change throughout the year. This can be extremely beneficial in a few ways. For one, it is a much more predictable way to budget. Secondly, you can avoid a large utility bill right at Christmas, or right at back-to-school time when finances will be tighter anyway. Not getting behind is key. If you do get behind one month, you’ve paid a little more than necessary all along and you may give yourself a temporary break without missing a payment. Most companies will credit you any overpayment toward future months. Just keep paying the same amount, regardless of what your payment due amount is. Another helpful hint is to call all of your current billing agencies. Ask for due dates late in the month. Pay as many bills as possible in advance, towards the beginning of the month. That way, you are far away from the actual due date and can avoid late fees and month-to-month bill pile-up. Also, you have the rest of the month to save for the following bill. If you have an emergency arise, there is money in the bank to use, and time to replace it before it is actually due. You don’t have to wait for the actual bill to arrive, which is generally one or two weeks before the due date, if you over-estimate what the bill will actually be. Then when the bill does arrive, if it is more than you expected, you only have a small amount to make up in a short time, instead of a hefty bill due right now. Be careful not to pay a credit card or loan amount before the new billing period starts, or you may be stuck paying the same amount again within the same month. The interest on a payday loan may be cheaper than the charge from your bank or your bill’s late fee. If you find yourself out of work or in a financial emergency, you’ve usually at least got your bills covered for the next month. Just make sure that you give yourself an allowance of what is left after each paycheck for your other expenses so that you don’t accidentally dip into your bill money before it is time. Some find it helpful to open a second checking account ear-marked for bills only, and take out in cash what you will need from the bank. You’ll avoid overdraft fees as well as late payment fees, boost your awareness of your own personal spending, and put yourself in control of your own financial future.
This article is free for republishingSource: http://www.a1articles.com/article_211492_63.html
This article is free for republishingSource: http://www.a1articles.com/article_211492_63.html
Making Money Online: Discover the real Secrets of how via my INTERNET SECRET TECHNIQUES....!!
20th September 2007
Author: Making Money Online
Hot of the PRESS............. I loved the idea of making money on the Internet... There was just something extremely exciting to me about being able to work from anywhere in the world using nothing more than a computer and an Internet connection. It sounded fantastic! So let began the journey."Discover the real Secrets of how I consistently rake up money every month into my bank account... Working less than 2 hours a week! Doing Almost NOTHING!"I Don't Have To Worry About Anything These Days...By the way....I NO LONGER have bosses watching over my back, hounding me day and night...I NO LONGER worry about bills at the end of the month...I NO LONGER worry about going on long vacations. My Indon maid takes care of my condo nicely, while me and my girlfriend spend our vacations in London, Paris and even Tokyo!I NO LONGER worry about retirement because I have enough money to last 4 generations! I can die in peace while my great-great grandchildren live off my abundant wealth...I NO LONGER worry about anything... that's the truth! You can't imagine how my life is until you really tasted how it is yourself....OK, I'll let you in on a little secret...People just like you are making thousands of dollars every single month, working the hours they want, being their own boss and spending lots of quality time with their family. The good news is, they started off in exactly same position as you're in at the moment!And just so you know...What I'm going to tell you has ABSOLUTELY NOTHING to do with all the rubbish that you've been fed up to this point and DOES NOT involve MLMs, HYIPs, Swisscash, Eaindex, data-entry or any of that useless crap either....These methods......are easy to work!These methods......run 99% on autopilot! These methods......doesn't require any capital to start! These methods......WILL create multiple streams of income for you!..and if you can follow simple instructions, you could start earning money from now, no matter where you live in the world.Before I continue, let me just get one thing out of the way...I'm not going to trick you by saying that if you get my secret, then 10 minutes later money will just fall from sky into your lap in the thousands. What I'm offering is logical and can really be done by anyone part-time... in fact there must be hundreds of my friends and customers whose life has been changed since discovering my secret. You don't need a computer to start, can start from cybercafe one... very easy. Two hours per week...This is no MAGIC.... money is not going to fall from the sky into your lap.. BUT I'll show you a way to make it fall to your lap right after you do exactly as what I've done to make my MILLIONS!Now that we've got that out of the way...prepare yourself for a SHOCK......The Only Way In The World To Become A Millionaire Easily Without Any Risk Whatsoever in Just 6 Months is via my INTERNET SECRET TECHNIQUES....!!If you wish to get more information, please email to user@yktan.com or visit at www.yktan.com.To your success!YK TanMaking Money Onlinewww.yktan.com
This article is free for republishingSource: http://www.a1articles.com/article_215794_63.html
Author: Making Money Online
Hot of the PRESS............. I loved the idea of making money on the Internet... There was just something extremely exciting to me about being able to work from anywhere in the world using nothing more than a computer and an Internet connection. It sounded fantastic! So let began the journey."Discover the real Secrets of how I consistently rake up money every month into my bank account... Working less than 2 hours a week! Doing Almost NOTHING!"I Don't Have To Worry About Anything These Days...By the way....I NO LONGER have bosses watching over my back, hounding me day and night...I NO LONGER worry about bills at the end of the month...I NO LONGER worry about going on long vacations. My Indon maid takes care of my condo nicely, while me and my girlfriend spend our vacations in London, Paris and even Tokyo!I NO LONGER worry about retirement because I have enough money to last 4 generations! I can die in peace while my great-great grandchildren live off my abundant wealth...I NO LONGER worry about anything... that's the truth! You can't imagine how my life is until you really tasted how it is yourself....OK, I'll let you in on a little secret...People just like you are making thousands of dollars every single month, working the hours they want, being their own boss and spending lots of quality time with their family. The good news is, they started off in exactly same position as you're in at the moment!And just so you know...What I'm going to tell you has ABSOLUTELY NOTHING to do with all the rubbish that you've been fed up to this point and DOES NOT involve MLMs, HYIPs, Swisscash, Eaindex, data-entry or any of that useless crap either....These methods......are easy to work!These methods......run 99% on autopilot! These methods......doesn't require any capital to start! These methods......WILL create multiple streams of income for you!..and if you can follow simple instructions, you could start earning money from now, no matter where you live in the world.Before I continue, let me just get one thing out of the way...I'm not going to trick you by saying that if you get my secret, then 10 minutes later money will just fall from sky into your lap in the thousands. What I'm offering is logical and can really be done by anyone part-time... in fact there must be hundreds of my friends and customers whose life has been changed since discovering my secret. You don't need a computer to start, can start from cybercafe one... very easy. Two hours per week...This is no MAGIC.... money is not going to fall from the sky into your lap.. BUT I'll show you a way to make it fall to your lap right after you do exactly as what I've done to make my MILLIONS!Now that we've got that out of the way...prepare yourself for a SHOCK......The Only Way In The World To Become A Millionaire Easily Without Any Risk Whatsoever in Just 6 Months is via my INTERNET SECRET TECHNIQUES....!!If you wish to get more information, please email to user@yktan.com or visit at www.yktan.com.To your success!YK TanMaking Money Onlinewww.yktan.com
This article is free for republishingSource: http://www.a1articles.com/article_215794_63.html
The Best Ways to Fund a Short Term Loan
The Best Ways to Fund a Short Term Loan
21st September 2007
Author: pmcindoe
In an ideal world we would all earn far more than we spend each month, and we’d have a healthy cash reserve to fall back on should the car suddenly break down or the central heating blows up. We might even have at least three month’s salary stashed away just like all the money experts tell us we should.In reality though, it can be difficult – if not impossible – to get ourselves into this enviable position. It requires concentrated effort to reduce our outgoings and increase our income simultaneously, and it can take months if not years to succeed - during which time any number of mishaps can occur to set us back.If you are in this position it’s a good idea to consider what you would do if you were faced with a household emergency. It’s not enough to have a list of useful contact numbers of local tradesmen handy to call on in such an event – you’ll need to be able to pay them for their essential services as well.You may be lucky enough to have family members that could help out, but unless they live close by it’s not always easy to get hold of the cash at short notice. Your best bet is to rely on yourself and your own financial situation to help you out - if you are prepared for life’s unexpected turns, you’ll fare better in the long run.The key to being able to cope with emergencies is to plan ahead. One idea is to apply for a credit card, which might help to ensure you have a quick and instant way to pay for any sudden repairs or emergencies that may crop up. Make sure you know what your credit limit is, and what rate of interest you would pay on any balance. If you think you may be tempted to use the card for any other reason you can always lock it up in a safe or cashbox instead of keeping it in your purse or wallet.Another option to consider is to have an overdraft limit on your bank account. It’s important to arrange this before any problems crop up, as you’ll know then that you have a cushion already there to use. But, if you go overdrawn without permission you’ll very likely have to pay for the privilege.In order to keep your financial situation healthy, it’s important to recognise the difference between a need and a real emergency. Needing a new car because the old one has shabby seats and the odd spot of rust is very different to having to get one because the engine has blown up. Learning to distinguish between the two situations will help to ensure we make sensible decisions that don’t lead us into unnecessary debt.-----Paul McIndoe is an online, freelance journalist. He lives in Edinburgh with his two dogs.
This article is free for republishingSource: http://www.a1articles.com/article_216345_63.html
21st September 2007
Author: pmcindoe
In an ideal world we would all earn far more than we spend each month, and we’d have a healthy cash reserve to fall back on should the car suddenly break down or the central heating blows up. We might even have at least three month’s salary stashed away just like all the money experts tell us we should.In reality though, it can be difficult – if not impossible – to get ourselves into this enviable position. It requires concentrated effort to reduce our outgoings and increase our income simultaneously, and it can take months if not years to succeed - during which time any number of mishaps can occur to set us back.If you are in this position it’s a good idea to consider what you would do if you were faced with a household emergency. It’s not enough to have a list of useful contact numbers of local tradesmen handy to call on in such an event – you’ll need to be able to pay them for their essential services as well.You may be lucky enough to have family members that could help out, but unless they live close by it’s not always easy to get hold of the cash at short notice. Your best bet is to rely on yourself and your own financial situation to help you out - if you are prepared for life’s unexpected turns, you’ll fare better in the long run.The key to being able to cope with emergencies is to plan ahead. One idea is to apply for a credit card, which might help to ensure you have a quick and instant way to pay for any sudden repairs or emergencies that may crop up. Make sure you know what your credit limit is, and what rate of interest you would pay on any balance. If you think you may be tempted to use the card for any other reason you can always lock it up in a safe or cashbox instead of keeping it in your purse or wallet.Another option to consider is to have an overdraft limit on your bank account. It’s important to arrange this before any problems crop up, as you’ll know then that you have a cushion already there to use. But, if you go overdrawn without permission you’ll very likely have to pay for the privilege.In order to keep your financial situation healthy, it’s important to recognise the difference between a need and a real emergency. Needing a new car because the old one has shabby seats and the odd spot of rust is very different to having to get one because the engine has blown up. Learning to distinguish between the two situations will help to ensure we make sensible decisions that don’t lead us into unnecessary debt.-----Paul McIndoe is an online, freelance journalist. He lives in Edinburgh with his two dogs.
This article is free for republishingSource: http://www.a1articles.com/article_216345_63.html
Credit card or debit card? What's the difference?
Credit card or debit card? What's the difference?
21st September 2007
Author: Elisha Burberry
Looking at debit and credit cards side-by-side it is hard to see any real, physical difference between the two. They are both plastic rectangles, embossed with a series of numbers, and are acceptable tender in most shops, restaurants and hotels in Britain, as well as around the world. It is likely that you were first given a debit card as a teenager; a credit card following later as a more ‘adult’ way of handling money. However, debit cards offer access to money that you already have, whilst credit cards provide money that you need to pay back, usually a minimum amount every month, plus interest accrued. Debit cards are therefore restricted by the state of your current account; if you do not have the money you cannot purchase something unless you wish to incur overdraft interest charges, or even be penalised for going over your limit. In some ways, this is a ‘traditional’ way of managing money – put simply; you cannot spend what you do not have. In fact, many people from older generations find credit an often alien concept. Today, this attitude may seem outdated and unnecessary. If you do not have £1,000 in savings it does not necessarily mean that you can’t afford a new music system. Perhaps you are confident that on your current salary you can set aside enough every month to pay off a credit card debt? In this way, a lump sum of expenditure can be afforded, if the context is extended – from what you can afford now, to what you can afford over a number of months. It is this principle that essentially underlies mortgages. In order to finance a purchase you can use existing savings, take out debt in the form of a loan or credit card or perhaps use a mixture. If you don’t already have one, to apply for a credit card or loan often means you may need to have an acceptable credit rating, even if there are hundreds of cards on offer. Even simple things like changing your address regularly can negatively affect your credit rating, while steering clear of credit in the past may not be a good thing either. Some bank managers advise using your credit card for the weekly shopping and paying the amount off immediately, as a good way of quickly boosting your credit scores. However, while some companies may have stringent guidelines when it comes to credit card or loan applications, others may not be so fussy so if your application is turned down by a particular lender, it might be worthwhile approaching a different one whose criteria for acceptance may be different. Be careful not to apply for too much credit too quickly, though, as this can also have an undesirable effect on your credit applications.Store cards are a form of credit cards, but they only allow you to buy from specific outlets. This may be fine if your music system is sold there, but the interest rate charged on these cards can be much higher that what you might find from a credit card. Setting aside the teasing discounts offered and considering the full picture is the sensible, if slightly dull thing to do. Credit may be an effective and easy way of purchasing goods and services, but it does require effective financial management – and a fairly stable income. But then again, with the rise of such Internet sites as E-Bay, making a fast buck in times of need is no longer a such a pipe dream.
This article is free for republishingSource: http://www.a1articles.com/article_216838_63.html
21st September 2007
Author: Elisha Burberry
Looking at debit and credit cards side-by-side it is hard to see any real, physical difference between the two. They are both plastic rectangles, embossed with a series of numbers, and are acceptable tender in most shops, restaurants and hotels in Britain, as well as around the world. It is likely that you were first given a debit card as a teenager; a credit card following later as a more ‘adult’ way of handling money. However, debit cards offer access to money that you already have, whilst credit cards provide money that you need to pay back, usually a minimum amount every month, plus interest accrued. Debit cards are therefore restricted by the state of your current account; if you do not have the money you cannot purchase something unless you wish to incur overdraft interest charges, or even be penalised for going over your limit. In some ways, this is a ‘traditional’ way of managing money – put simply; you cannot spend what you do not have. In fact, many people from older generations find credit an often alien concept. Today, this attitude may seem outdated and unnecessary. If you do not have £1,000 in savings it does not necessarily mean that you can’t afford a new music system. Perhaps you are confident that on your current salary you can set aside enough every month to pay off a credit card debt? In this way, a lump sum of expenditure can be afforded, if the context is extended – from what you can afford now, to what you can afford over a number of months. It is this principle that essentially underlies mortgages. In order to finance a purchase you can use existing savings, take out debt in the form of a loan or credit card or perhaps use a mixture. If you don’t already have one, to apply for a credit card or loan often means you may need to have an acceptable credit rating, even if there are hundreds of cards on offer. Even simple things like changing your address regularly can negatively affect your credit rating, while steering clear of credit in the past may not be a good thing either. Some bank managers advise using your credit card for the weekly shopping and paying the amount off immediately, as a good way of quickly boosting your credit scores. However, while some companies may have stringent guidelines when it comes to credit card or loan applications, others may not be so fussy so if your application is turned down by a particular lender, it might be worthwhile approaching a different one whose criteria for acceptance may be different. Be careful not to apply for too much credit too quickly, though, as this can also have an undesirable effect on your credit applications.Store cards are a form of credit cards, but they only allow you to buy from specific outlets. This may be fine if your music system is sold there, but the interest rate charged on these cards can be much higher that what you might find from a credit card. Setting aside the teasing discounts offered and considering the full picture is the sensible, if slightly dull thing to do. Credit may be an effective and easy way of purchasing goods and services, but it does require effective financial management – and a fairly stable income. But then again, with the rise of such Internet sites as E-Bay, making a fast buck in times of need is no longer a such a pipe dream.
This article is free for republishingSource: http://www.a1articles.com/article_216838_63.html
Credit card or debit card? What's the difference?
Credit card or debit card? What's the difference?
21st September 2007
Author: Elisha Burberry
Looking at debit and credit cards side-by-side it is hard to see any real, physical difference between the two. They are both plastic rectangles, embossed with a series of numbers, and are acceptable tender in most shops, restaurants and hotels in Britain, as well as around the world. It is likely that you were first given a debit card as a teenager; a credit card following later as a more ‘adult’ way of handling money. However, debit cards offer access to money that you already have, whilst credit cards provide money that you need to pay back, usually a minimum amount every month, plus interest accrued. Debit cards are therefore restricted by the state of your current account; if you do not have the money you cannot purchase something unless you wish to incur overdraft interest charges, or even be penalised for going over your limit. In some ways, this is a ‘traditional’ way of managing money – put simply; you cannot spend what you do not have. In fact, many people from older generations find credit an often alien concept. Today, this attitude may seem outdated and unnecessary. If you do not have £1,000 in savings it does not necessarily mean that you can’t afford a new music system. Perhaps you are confident that on your current salary you can set aside enough every month to pay off a credit card debt? In this way, a lump sum of expenditure can be afforded, if the context is extended – from what you can afford now, to what you can afford over a number of months. It is this principle that essentially underlies mortgages. In order to finance a purchase you can use existing savings, take out debt in the form of a loan or credit card or perhaps use a mixture. If you don’t already have one, to apply for a credit card or loan often means you may need to have an acceptable credit rating, even if there are hundreds of cards on offer. Even simple things like changing your address regularly can negatively affect your credit rating, while steering clear of credit in the past may not be a good thing either. Some bank managers advise using your credit card for the weekly shopping and paying the amount off immediately, as a good way of quickly boosting your credit scores. However, while some companies may have stringent guidelines when it comes to credit card or loan applications, others may not be so fussy so if your application is turned down by a particular lender, it might be worthwhile approaching a different one whose criteria for acceptance may be different. Be careful not to apply for too much credit too quickly, though, as this can also have an undesirable effect on your credit applications.Store cards are a form of credit cards, but they only allow you to buy from specific outlets. This may be fine if your music system is sold there, but the interest rate charged on these cards can be much higher that what you might find from a credit card. Setting aside the teasing discounts offered and considering the full picture is the sensible, if slightly dull thing to do. Credit may be an effective and easy way of purchasing goods and services, but it does require effective financial management – and a fairly stable income. But then again, with the rise of such Internet sites as E-Bay, making a fast buck in times of need is no longer a such a pipe dream.
This article is free for republishingSource: http://www.a1articles.com/article_216838_63.html
21st September 2007
Author: Elisha Burberry
Looking at debit and credit cards side-by-side it is hard to see any real, physical difference between the two. They are both plastic rectangles, embossed with a series of numbers, and are acceptable tender in most shops, restaurants and hotels in Britain, as well as around the world. It is likely that you were first given a debit card as a teenager; a credit card following later as a more ‘adult’ way of handling money. However, debit cards offer access to money that you already have, whilst credit cards provide money that you need to pay back, usually a minimum amount every month, plus interest accrued. Debit cards are therefore restricted by the state of your current account; if you do not have the money you cannot purchase something unless you wish to incur overdraft interest charges, or even be penalised for going over your limit. In some ways, this is a ‘traditional’ way of managing money – put simply; you cannot spend what you do not have. In fact, many people from older generations find credit an often alien concept. Today, this attitude may seem outdated and unnecessary. If you do not have £1,000 in savings it does not necessarily mean that you can’t afford a new music system. Perhaps you are confident that on your current salary you can set aside enough every month to pay off a credit card debt? In this way, a lump sum of expenditure can be afforded, if the context is extended – from what you can afford now, to what you can afford over a number of months. It is this principle that essentially underlies mortgages. In order to finance a purchase you can use existing savings, take out debt in the form of a loan or credit card or perhaps use a mixture. If you don’t already have one, to apply for a credit card or loan often means you may need to have an acceptable credit rating, even if there are hundreds of cards on offer. Even simple things like changing your address regularly can negatively affect your credit rating, while steering clear of credit in the past may not be a good thing either. Some bank managers advise using your credit card for the weekly shopping and paying the amount off immediately, as a good way of quickly boosting your credit scores. However, while some companies may have stringent guidelines when it comes to credit card or loan applications, others may not be so fussy so if your application is turned down by a particular lender, it might be worthwhile approaching a different one whose criteria for acceptance may be different. Be careful not to apply for too much credit too quickly, though, as this can also have an undesirable effect on your credit applications.Store cards are a form of credit cards, but they only allow you to buy from specific outlets. This may be fine if your music system is sold there, but the interest rate charged on these cards can be much higher that what you might find from a credit card. Setting aside the teasing discounts offered and considering the full picture is the sensible, if slightly dull thing to do. Credit may be an effective and easy way of purchasing goods and services, but it does require effective financial management – and a fairly stable income. But then again, with the rise of such Internet sites as E-Bay, making a fast buck in times of need is no longer a such a pipe dream.
This article is free for republishingSource: http://www.a1articles.com/article_216838_63.html
Facing up to your debt: taking the hardest step
Facing up to your debt: taking the hardest step
25th September 2007
Author: pmcindoe
Over the past few years, money matters have stolen front page headlines more often than in the past - highlighting some of the money problems faced by many UK households. Often, these headlines point to the rising rates of debt in the UK, with millions of individuals and households struggling to repay their mortgages, credit cards and personal loans. Recent years have been unkind to borrowers, with soaring interest and inflation rates coupled with the ever-increasing house prices having resulted in many borrowers finding their debts spiralling out of their control. But while it may be difficult to face the harsh reality of being in debt, many financial experts agree that the sooner the problem is recognised, the sooner solutions to the debt problem can be sought out.Once a debtor has made the first - and hardest - step of facing up to their debt, they will be better placed to look at their situation. Some people will attempt to handle the debt problem themselves, while others may remortgage their home in order to free up funds to clear debts. Other still will turn to debt consolidation, or debt management schemes. But before any decision is made, it is often a good idea to seek professional advice on how to proceed with tackling the problem. Debt management schemes involve negotiating lower monthly repayments with your creditors, as well as freezing interest on any outstanding balances. While this can help you get back on track with your finances, bear in mind that the time taken to repay the debt will increase greatly. Furthermore, in most cases your credit status will also be adversely affected making it difficult to obtain credit in the future. There are many companies advertised on TV and in the national press who offer debt management services and advice.Debt consolidation, on the other hand involves arranging a personal loan with which to pay off any current debts and replacing them with a single monthly repayment. In recent years, this has become a popular method for debtors to clear their debts, although in most cases it is only available to mortgage payers. If you are considering a debt consolidation loan, there are many lenders available who can help, although shop around to ensure you get the best possible rate.However, if your debt problem is really severe, it might be necessary to enter into an IVA or as a last resort consider bankruptcy. These options are handled by licensed insolvency practitioners and can be quite complicated and should only be considered after seeking specialist advice. -----Paul McIndoe is an online, freelance journalist. He lives in Edinburgh with his two dogs.
This article is free for republishingSource: http://www.a1articles.com/article_219630_63.html
25th September 2007
Author: pmcindoe
Over the past few years, money matters have stolen front page headlines more often than in the past - highlighting some of the money problems faced by many UK households. Often, these headlines point to the rising rates of debt in the UK, with millions of individuals and households struggling to repay their mortgages, credit cards and personal loans. Recent years have been unkind to borrowers, with soaring interest and inflation rates coupled with the ever-increasing house prices having resulted in many borrowers finding their debts spiralling out of their control. But while it may be difficult to face the harsh reality of being in debt, many financial experts agree that the sooner the problem is recognised, the sooner solutions to the debt problem can be sought out.Once a debtor has made the first - and hardest - step of facing up to their debt, they will be better placed to look at their situation. Some people will attempt to handle the debt problem themselves, while others may remortgage their home in order to free up funds to clear debts. Other still will turn to debt consolidation, or debt management schemes. But before any decision is made, it is often a good idea to seek professional advice on how to proceed with tackling the problem. Debt management schemes involve negotiating lower monthly repayments with your creditors, as well as freezing interest on any outstanding balances. While this can help you get back on track with your finances, bear in mind that the time taken to repay the debt will increase greatly. Furthermore, in most cases your credit status will also be adversely affected making it difficult to obtain credit in the future. There are many companies advertised on TV and in the national press who offer debt management services and advice.Debt consolidation, on the other hand involves arranging a personal loan with which to pay off any current debts and replacing them with a single monthly repayment. In recent years, this has become a popular method for debtors to clear their debts, although in most cases it is only available to mortgage payers. If you are considering a debt consolidation loan, there are many lenders available who can help, although shop around to ensure you get the best possible rate.However, if your debt problem is really severe, it might be necessary to enter into an IVA or as a last resort consider bankruptcy. These options are handled by licensed insolvency practitioners and can be quite complicated and should only be considered after seeking specialist advice. -----Paul McIndoe is an online, freelance journalist. He lives in Edinburgh with his two dogs.
This article is free for republishingSource: http://www.a1articles.com/article_219630_63.html
Debt Payoff Strategies
Debt Payoff Strategies
02nd October 2007
Author: Mike Smith
So you’ve gotten yourself into a credit card nightmare. If you are only paying the minimum amounts due on each card, then there may not be an end in sight for decades. You have to realize that you are at the credit card company’s mercy and decide to fight back. You have to want to get your own life back and make conscious, deliberate moves to make a difference. If you’re not sure where to start, take some of these popular strategies into consideration when devising your plan.Probably the best way to get out of debt is to attack high interest rate cards first. To do this, you need to actually write down your income, subtract your minimums and other monthly bills. When you see what is left, take out what you need each week for food and gas. Any extra income needs to be applied to the highest rate of interest card that you own. Just increasing the amount you pay to above the minimum can knock years of payments off of your payment plan. Consider the extra money a payment to yourself. If you don’t pay it to yourself, then you’ll be paying it to your credit card company for years to come. Consider a couple of years of prudence over many years of padding the credit card company’s pockets. Your goal should be to at least double your minimum payment. Keep paying the same amount month after month despite the credit card company’s plans to entice you back into their clutches. You’ll see smaller and smaller minimums due. You’ll get more offers in the mail. Your credit line might get increased. Ignore these tactics and stick to your plan of getting free. Some people find it motivating to pay off their smaller balances first. This could be a good idea if it keeps you on track. Also, if you have more than four credit card accounts, that alone can hurt your credit. These are things to consider. If you have 5 small store accounts on top of your major balance cards, then paying them off and closing them can look better on your credit report. This could give you more leverage when negotiating with your higher interest card companies to lower your interest rate. Once you get down to three or four credit cards, it’s a good idea to switch to the first plan of paying off the highest interest card first. When you’re going through the process of paying down your debt, make sure that every time you pay off a card, you apply that amount that you were paying to the next card. It helps to pay your bills online, preferably through your bank. That way, you can always see what your last payment was and pay the same again regardless of what the bill says you owe. Round up the amount that you’re paying to a good whole number to make yourself pay a little more than you might have originally paid. Any time that you receive a tax return, bonus, raise, money from a garage sale, any extra income, it should always go directly to the card that you’re cracking down on. Go online immediately and send that money to the credit card company. Don’t try to save it in your bank account until the next bill is due or you may end up whittling it away and missing your opportunity to knock months off of you bill. About the Author: Bob is an Online Marketing Strategist of paydayone.com, a company that can provide a payday loan or a cash advance to individuals. For more information, please visit www.paydayone.com.
This article is free for republishingSource: http://www.a1articles.com/article_221446_63.html
02nd October 2007
Author: Mike Smith
So you’ve gotten yourself into a credit card nightmare. If you are only paying the minimum amounts due on each card, then there may not be an end in sight for decades. You have to realize that you are at the credit card company’s mercy and decide to fight back. You have to want to get your own life back and make conscious, deliberate moves to make a difference. If you’re not sure where to start, take some of these popular strategies into consideration when devising your plan.Probably the best way to get out of debt is to attack high interest rate cards first. To do this, you need to actually write down your income, subtract your minimums and other monthly bills. When you see what is left, take out what you need each week for food and gas. Any extra income needs to be applied to the highest rate of interest card that you own. Just increasing the amount you pay to above the minimum can knock years of payments off of your payment plan. Consider the extra money a payment to yourself. If you don’t pay it to yourself, then you’ll be paying it to your credit card company for years to come. Consider a couple of years of prudence over many years of padding the credit card company’s pockets. Your goal should be to at least double your minimum payment. Keep paying the same amount month after month despite the credit card company’s plans to entice you back into their clutches. You’ll see smaller and smaller minimums due. You’ll get more offers in the mail. Your credit line might get increased. Ignore these tactics and stick to your plan of getting free. Some people find it motivating to pay off their smaller balances first. This could be a good idea if it keeps you on track. Also, if you have more than four credit card accounts, that alone can hurt your credit. These are things to consider. If you have 5 small store accounts on top of your major balance cards, then paying them off and closing them can look better on your credit report. This could give you more leverage when negotiating with your higher interest card companies to lower your interest rate. Once you get down to three or four credit cards, it’s a good idea to switch to the first plan of paying off the highest interest card first. When you’re going through the process of paying down your debt, make sure that every time you pay off a card, you apply that amount that you were paying to the next card. It helps to pay your bills online, preferably through your bank. That way, you can always see what your last payment was and pay the same again regardless of what the bill says you owe. Round up the amount that you’re paying to a good whole number to make yourself pay a little more than you might have originally paid. Any time that you receive a tax return, bonus, raise, money from a garage sale, any extra income, it should always go directly to the card that you’re cracking down on. Go online immediately and send that money to the credit card company. Don’t try to save it in your bank account until the next bill is due or you may end up whittling it away and missing your opportunity to knock months off of you bill. About the Author: Bob is an Online Marketing Strategist of paydayone.com, a company that can provide a payday loan or a cash advance to individuals. For more information, please visit www.paydayone.com.
This article is free for republishingSource: http://www.a1articles.com/article_221446_63.html
WAYS TO MAKE MONEY
Who Said Making Money On Line Was Hard04th October 2007Author: bob123
Who said making money on line was hard, it's not hard it is extremely hard initially and at the beginning when first starting out and trying to establish yourself and your business it can seem near on impossible.
Earning money is not hard any more it just takes patients and hard work! There are lots of high income business opportunities on the internet which give the ordinary people the opportunity to make a quality living online using some simple internet tools.
As things get tougher and tougher in life it seems that more people are looking for a way to make some extra money. We all have the same number of hours in a day and no matter how much we try we just can't add any more time. That is why it is important to find ways to put some extra money in your pocket without having to do too much work.
It used to be difficult to find things that could make you some extra money. The Internet has changed all of that by offering everyone a level playing field and the chance to leverage a wide range of opportunities that anyone can take advantage of. One of the best things that the internet has to offer is the ability to start a profitable business without having a large financial output at the onset. You don't even need to have a website in order to launch a successful business. All you really need is an idea and some drive.
On the internet is possible to make money but first you have to figure out the reasons why people should buy from you and how you get targeted traffic to your site.
Unlike having a shop on the high street which has a guaranteed foot fall, your internet website might not even have one visitor unless you ether pay for the traffic or start appearing on the search engines for your search terms.
You see, the internet is the "information super highway" and people come online trying to get information. Ok, the internet is nowhere near being the best resource for information yet but it comes close, however, and you can still find a lot of good information online about certain topics.
If you have specialized information on just about any topic, practical or not, you may be sitting on a goldmine and not even know it. It's just a matter of doing the proper market research to find out if people are already looking for what you have to offer, and buying what you have to offer. So if you've been wondering how to make money online, there are many ways to do it. One way of doing it, information products, if done properly could potentially make you a lot of money. comWhere you can some great information on starting a profitable business that will make you lots of money but do remember information is only as good as the action taken on it. And it will still take application and some hard work.
Article written by John Barr.
make money online
Who said making money on line was hard, it's not hard it is extremely hard initially and at the beginning when first starting out and trying to establish yourself and your business it can seem near on impossible.
Earning money is not hard any more it just takes patients and hard work! There are lots of high income business opportunities on the internet which give the ordinary people the opportunity to make a quality living online using some simple internet tools.
As things get tougher and tougher in life it seems that more people are looking for a way to make some extra money. We all have the same number of hours in a day and no matter how much we try we just can't add any more time. That is why it is important to find ways to put some extra money in your pocket without having to do too much work.
It used to be difficult to find things that could make you some extra money. The Internet has changed all of that by offering everyone a level playing field and the chance to leverage a wide range of opportunities that anyone can take advantage of. One of the best things that the internet has to offer is the ability to start a profitable business without having a large financial output at the onset. You don't even need to have a website in order to launch a successful business. All you really need is an idea and some drive.
On the internet is possible to make money but first you have to figure out the reasons why people should buy from you and how you get targeted traffic to your site.
Unlike having a shop on the high street which has a guaranteed foot fall, your internet website might not even have one visitor unless you ether pay for the traffic or start appearing on the search engines for your search terms.
You see, the internet is the "information super highway" and people come online trying to get information. Ok, the internet is nowhere near being the best resource for information yet but it comes close, however, and you can still find a lot of good information online about certain topics.
If you have specialized information on just about any topic, practical or not, you may be sitting on a goldmine and not even know it. It's just a matter of doing the proper market research to find out if people are already looking for what you have to offer, and buying what you have to offer. So if you've been wondering how to make money online, there are many ways to do it. One way of doing it, information products, if done properly could potentially make you a lot of money. comWhere you can some great information on starting a profitable business that will make you lots of money but do remember information is only as good as the action taken on it. And it will still take application and some hard work.
Article written by John Barr.
make money online
MONEY
Who Said Making Money On Line Was Hard
04th October 2007
Author: bob123
Who said making money on line was hard, it's not hard it is extremely hard initially and at the beginning when first starting out and trying to establish yourself and your business it can seem near on impossible.Earning money is not hard any more it just takes patients and hard work! There are lots of high income business opportunities on the internet which give the ordinary people the opportunity to make a quality living online using some simple internet tools.As things get tougher and tougher in life it seems that more people are looking for a way to make some extra money. We all have the same number of hours in a day and no matter how much we try we just can't add any more time. That is why it is important to find ways to put some extra money in your pocket without having to do too much work.It used to be difficult to find things that could make you some extra money. The Internet has changed all of that by offering everyone a level playing field and the chance to leverage a wide range of opportunities that anyone can take advantage of. One of the best things that the internet has to offer is the ability to start a profitable business without having a large financial output at the onset. You don't even need to have a website in order to launch a successful business. All you really need is an idea and some drive.On the internet is possible to make money but first you have to figure out the reasons why people should buy from you and how you get targeted traffic to your site.Unlike having a shop on the high street which has a guaranteed foot fall, your internet website might not even have one visitor unless you ether pay for the traffic or start appearing on the search engines for your search terms.You see, the internet is the "information super highway" and people come online trying to get information. Ok, the internet is nowhere near being the best resource for information yet but it comes close, however, and you can still find a lot of good information online about certain topics.If you have specialized information on just about any topic, practical or not, you may be sitting on a goldmine and not even know it. It's just a matter of doing the proper market research to find out if people are already looking for what you have to offer, and buying what you have to offer. So if you've been wondering how to make money online, there are many ways to do it. One way of doing it, information products, if done properly could potentially make you a lot of money. comWhere you can some great information on starting a profitable business that will make you lots of money but do remember information is only as good as the action taken on it. And it will still take application and some hard work.Article written by John Barr.make money online
This article is free for republishingSource: http://www.a1articles.com/article_222470_63.html
04th October 2007
Author: bob123
Who said making money on line was hard, it's not hard it is extremely hard initially and at the beginning when first starting out and trying to establish yourself and your business it can seem near on impossible.Earning money is not hard any more it just takes patients and hard work! There are lots of high income business opportunities on the internet which give the ordinary people the opportunity to make a quality living online using some simple internet tools.As things get tougher and tougher in life it seems that more people are looking for a way to make some extra money. We all have the same number of hours in a day and no matter how much we try we just can't add any more time. That is why it is important to find ways to put some extra money in your pocket without having to do too much work.It used to be difficult to find things that could make you some extra money. The Internet has changed all of that by offering everyone a level playing field and the chance to leverage a wide range of opportunities that anyone can take advantage of. One of the best things that the internet has to offer is the ability to start a profitable business without having a large financial output at the onset. You don't even need to have a website in order to launch a successful business. All you really need is an idea and some drive.On the internet is possible to make money but first you have to figure out the reasons why people should buy from you and how you get targeted traffic to your site.Unlike having a shop on the high street which has a guaranteed foot fall, your internet website might not even have one visitor unless you ether pay for the traffic or start appearing on the search engines for your search terms.You see, the internet is the "information super highway" and people come online trying to get information. Ok, the internet is nowhere near being the best resource for information yet but it comes close, however, and you can still find a lot of good information online about certain topics.If you have specialized information on just about any topic, practical or not, you may be sitting on a goldmine and not even know it. It's just a matter of doing the proper market research to find out if people are already looking for what you have to offer, and buying what you have to offer. So if you've been wondering how to make money online, there are many ways to do it. One way of doing it, information products, if done properly could potentially make you a lot of money. comWhere you can some great information on starting a profitable business that will make you lots of money but do remember information is only as good as the action taken on it. And it will still take application and some hard work.Article written by John Barr.make money online
This article is free for republishingSource: http://www.a1articles.com/article_222470_63.html
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