What worse could have happened to the US economy then the 9th September 2001? Some perverted religious fanatics demolished the embodiment of the world trade. Terrorism is a threat to all the nations of the world. The human loss due to these activities cannot be condemned with words. The ruthlessness of the terror traders has an impact on each and every segment of life. The extent of these activities is extending by the day and the generally...more
A home equity loan enables a homeowner to secure money using his home as collateral. This is can be helpful for borrowers seeking a huge sum and those with poor credit histories. Bad credit home loan lending institutions or lenders are generally more open to such loans, as borrowers are less likely to default on payments with their property on the line. A borrower will also not be able to avoid payment by running away with his house or hiding it,...more
I've been jobless for quite some time now! Am I worried about it? No way. I have decided to take my own destiny in my hands and join the many entrepreneurs in self employment. Not just self-employment, but home based business.What is the difference between self employment and home based business? Just this - if you take a break and go skiing for a week and you make no money, you're self employed and own your own job. If you make money while skiing, you have a business.I like to make money while skiing, and you can see my family skiing on my website. But this article is about ups and downs. Yes, I have experienced them! I'm still on top of it, and making money - here's why: multiple sources of income.The same way that mutual funds invest in a lot of businesses, you have a greater likelihood of making it through the ups and downs in home business if you have several streams of income. The most common ones are network marketing, real estate, stocks and other investments, and franchises.I have experience in several streams and am happy to share my successes because I believe that as I give to others it comes back to me and we all win. Recently there was a slow period in networking and...more
Equity is the value of a home vs. the value of the loan. Many homeowners today are searchingfor ways to increase the value in their home, payoff debts, buy a new motor vehicle, or else takea long needed vacation and few take out equity loans to accomplish the mission. The loans forthe borrower are revenue for releasing cash for extra expenditures....more
Whenever you start something new, you're usually scared out of your pants, and I was no exception. Oh sure, I'm a self-assured, totally confident freelancer now, but when I got started working for myself, I was sweating bullets. There's no one to catch you if you fall, and there's no one to blame if you mess up. It was exhilarating; it was...more
The term "equity value" is often used synonymously with the entire equity of a given home loan.When homeowners consider equity loans, the lender will consider the equity built in the home. If thehome is not worth the amount applied for, the homeowner will pay higher rates of interest andmortgage payments. Thus, the equity if negative is considered a higher risk than positive equity.Still, the equity is factored by current market value, value of the home, and so forth to determine therisks. Lenders put risk first often since large sums of cash are involved. First time buyers are offeredvarious types of loans, but are often high-risk candidates simply because equity is non-existing untilthe closing is final. First time buyers searching for home loans will be rated by their credit history,employment, age, gender, the area considered to reside in, and so forth. If the buyer has excellentcredit, this is a plus to the lender. The lender will often help the borrower by finding adequate rates of interest and may even suggest aloan that would benefit the borrower moreso than other loans. Thus, when equity exists, this takes abit of the load off the lender; however, if the home has "negative...more
There are simple, common sense steps you can take to get out of debt. Unfortunately, like losing weight, they are not necessarily easy or painless - but if you stick to them, you will become debt-free.Stop Borrowing MoneyThe first step to escaping...more
1. Big savings on daycare costs2. No more bosses giving you the stink eye for not working due to kid issues3. No commuting4. Savings on lunches out and work clothes5. More flexibility6. The ability to start a business doing something you love7. Make...more
Monopoly is a zero sum game based on competition. Since the money supply cannot increase, the players can win only by taking money from other players. The fundamental belief behind Monopoly is lack of money. This means that the only way to get...more
For many Americans debt is an overwhelming problem, a stressor that can quickly take hold of one's life. When there are bills attached to house, boat, automobiles, college tuition, and daycare, it's not hard to imagine that many folks can quickly be...more
Working at home is very popular. As with anything that is popular there are people out there who like to try to scam those looking for work at home jobs. Scams can sometimes be hard to recognize, but if a person knows what to look for they can raise...more
Since the dawn of free trading only two things have ever mattered; producing a quality product or service and the ability to sell it successfully. By successfully, I mean ensuring that you achieve maximum profit from the sale, while the customer is...more
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