When you start your hunt for the best credit card what you're really searching for is the best credit card for your particular situation and needs. You may, for instance, be someone whe travels a lot for business or pleasure. Travel credit card discounts may be the best credit card option for you. You may be someone who has bad credit. There are credit cards especially designed for folks like you - these would be the best credit card options for...more
When you have bad credit you wonder what lenders will offer you for a mortgage deal on your home. The big obstacle, as you know, was your bad credit history. To add to the all the fears, there were a few pals of yours who held that the deals offered to you will not be as good as regular mortgages.However, before you decide not to mortgage because of bad credit history, let me say, mortgage lenders generally do not give much importance to bad...more
Today's borrowers refinancing to shorten the term of the mortgage. However even at low rates, a shorter term means a higher monthly payment. The benefit is that you'll build up equity faster and pay far less in total interest over the life of the home equity loan.Consider Tony Nelson, 49, a real estate broker and his wife Merrilyn, 56, a psychotherapist. Recently, the couple took out a 15-year fixed rate loan at 6.75% to replace an 8.13% ARM with a 30-year term. Their monthly payment jumped by $200, but now they will own their own home outright by the time they retire. Smart! Also the total interest on the 15-year loan will come to $95,447, vs. $222,234 on the remaining life of the ARM -- and that assumes their adjustable rate would have held steady at its current 8.13%. "This is forced savings," says Tony. "When I retire, we can scale down and take equity out of the house as we want to."If you can't afford the payments on a 15-year mortgage or home equity loan, your next best means of building equity is to refinance for less than 30 years. To do so, ask your mortgage lender to customize your new loan's term to match the years that are left on your previous loan. Also try to anylze...more
My address book is full of names of people who worked hard, "paid their dues," persevered . . . and then JUST when they became big money earners and had arrived at the top of the leadership ranks --- THEY came (the company management), they saw (the big bucks), and they conquered (changed the comp plan, changed the rules).I call this one the "What...more
Tax time is just around the corner. Are you getting a big refund this year? Well if you are, you are THROWING AWAY BIG MONEY!CHANGE YOUR EXEMPTIONS ON YOUR W-4.This is not the number of your dependents but the number of your exemptions!If you are getting a BIG tax refund every year, you may love getting that check; however, you are actually giving...more
From being locked out of home on the coldest day of the year to running out of hot water when getting ready for a date, a quarter (24 per cent) have spent at least £200 putting something right that has gone wrong at home at the worst possible moment.And according to the British public, people are most likely to have to put their hands in their pocket on a Monday - the day when sod's law strikes most often.But it seems it's not just cash that people are in danger of losing, as relationships with friends and family are also at risk. Nearly one in five people who have fallen foul to Sod's law have argued with their partners and 11 per cent their families as a result of home catastrophes that took place at an inconvenient time.Nearly half (44 per cent) of those who have been a victim of sod's law found themselves about to watch their favourite TV programme when the electricity went off. Others (29 per cent) were cooking a special meal in their kitchen when the cooker broke.The sod's law situation Britons dread happening the most is their property flooding just after they've spent money decorating - 66 per cent cited this as their worst case scenario. Others include the heating and...more
If you want to have a fighting chance in the business world, you'd better be an effective communicator.Here are three steps that will help you operate as a truly effective communicator.Step #1. Know your outcome. An effective communicator knows her...more
When it comes to running a business, much of the necessary focus is on the bottom line. Many businesses, however, fail to realize they can seriously cut energy costs by going solar. Tax Incentives Federal and State governments know the best way to...more
Investors are now starting to move their investments to the most recent investment trend: Making money with E-gold.When you make an investment in E gold is a all about a profitable system that allows you to capitalize from the money that is moved...more
There are some convenient and conventional loans in which you pay the amount borrowed in a few weeks' time. They are called as payday loans. These loans are of two types - one of the payday loans are is where you require to fax the documents required...more
Do you need to borrow money? Home equity lines may be one source of credit. Home equity credit lines may provide you with large amounts of cash at a low interest rate and they may provide you with certain tax advantages with other loans. Home...more
Another year is upon us and if you are like most people you have hit the floor running without planning a clear objective for the upcoming year. However, top performing sales people make the time to establish clear targets. Setting goals is not a...more