According to recent news articles, bankruptcies are at their highest level since October 2005, with an average of 5,945 filings per day during the month of March. Adding to this the fact that 663,000 Americans lost their jobs last month, indications appear to be that this number will only increase during the coming months.While this is a shame, all too many people file bankruptcy when it is not their best financial option.Bankruptcy comes in two...more
As a 34-year-old, born-and-bred New Yorker, as I read the details of Barack Obama's stimulus plan, many memories come to mind. A product of the NYC public school system, I have worked hard for my money, and according to government classifications am "rich", as I have made many sacrifices to get to where I am. I've weathered a divorce, failed friendships, dwindling family time, and many others sacrifices entrepreneurs make, and I am sure these...more
It is difficult to know where to put your money these days to get the best returns, especially with the way the economy has suffered over recent months, pushing the Bank of England to make a string of cuts to its Base rate which have in turn been passed on to savers rates.With the Base rate now down to the lowest level ever recorded, rates on normal savings accounts have been slashed, which has limited our saving options.The two obvious choices in today's savings market are Fixed Term Bonds, and Individual Savings Accounts (ISA). Although both types of savings accounts have their similarities, there are several advantages and disadvantages to each and it is this topic of discussion that this article will be focusing on.Fixed Term BondsFixed Term Bonds provide a rate that is fixed throughout the duration of the bond, giving savers a predictable income with no surprises. Once you have chosen a fixed term account, you are able to calculate exactly how much interest you will earn, minus the tax, to give you your end balance.Most Fixed Term Bonds offer very high deposit limits, generally between £500,000 to £2 million, but some, such as ICICI, will let you invest as much as you like....more
Author: Gil TomsonBad credit history can be upsetting for you when you apply for personal loan but no need to lose heart and keep searching lenders or loan lending institutes. Yes, its true if you try hard you can find a lender providing you with Personal Loans for People with Bad Credit. Many lenders and lending institutes are providing these...more
As all of us are very aware, we are in one of the most difficult eras for business since the Great Depression in the 1930's. Unemployment is rising at an incredible rate, and businesses everywhere are going bankrupt daily. When we end up in situations like these, then we have to begin looking carefully at our current business strategy and find ways...more
Author: taamivWhen talking about loans, credit reference is also often talked about. Along with this is the credit reference agency. A credit reference company is mainly tasked to provide credit information on persons as requested by companies where the said persons have agreed to undergo a background check. The credit information often involves checking the history of the person’s ability to pay, previous or current loans, and history of delinquent debts. This is mainly to measure the ability of the individual to handle his or her financial obligations. Even the subjected individuals can get hold of the credit report. This could help for them to improve their credit rating, since checking the report is an effective step in correcting the current problem. In case there is no concrete information that could be considered credit references, the lender has always the option to have a nontraditional kind of credit report that would mainly reflect utility payments, rental payments and other financial obligations that are not reflected under the “traditional” credit report. The lender basically has the option to tell you if the credit scores were used in denying or approving the...more
Availing loans to cover some short term emergency needs is not that easy as it seems to be. You have to follow some legal procedures, fill up lengthy application form along with other details. This at times consumes a lot of time and delays the...more
Virtual Assistance can bring the best in administrative, personal and technical support to business owners and even to simple living individuals who at certain time is caught busy as a cat on a hot tin roof. Virtual assistants provide varied services...more
Loans for bad credit are now a possibility, as its main objective is to assist applicants retains the financial freedom. The loans are easy to acquire and are offered with flexible terms and conditions. With the assistance of these loans, the...more
Author: Michelle PerkinsMinority Scholarships Business are abundant and all you need to do is do a little research to find them. We've found some Minority Scholarships Business you can look into to finance your college education. Get more...more
It's my opinion that how your business is organized is a direct reflection of the way you do business.I know, I know there are those who will maintain that their messes are organized and they know exactly where everything is. I think they call it...more
Most people do not know that there are more than 100 technical indicators that one can use to trade forex. Available charting software programs and packages provide all these indicators but fail to provide an answer to the most vital question: which...more