Want to Win? Don't Play With Credit Cards
Just say no to credit cards; it's a losing game. Yet, no sooner do these words leave my mouth, than I hear voices chiming in to tell me: "But I get "free" miles." "I pay the balance off every month." "I only use it when I travel." "Credit cards are necessary for building credit." Oh, how successful the marketing of credit cards has been....
Premium Finance - 5 Benefits for Business Owners
Robert C Eldridge
Life insurance today is more than just paying out a death benefit. These insurance policies offer a tremendous amount of living benefits while the policy holder is alive than ever before in history. For business owners and high net-worth individuals, the benefits of premium financing of life insurance can be amazing....
Are We Financial Prisoners Or Do We Choose To Live That Way?
The majority of people today are financially imprisonment by the very Governments they've elected. This sentenced has been handed down to the working poor with no parole or pardon's in sight. Some might find this statement bold, but sadly it is the truth. The cards are stacked against most honest hardworking people, unacceptable inflation and taxes, high unemployment, no real job stability with advancement, and an upside down economy...
The Advantages of Independent Financial Advice When Buying to Let
Independent financial advice is highly recommended when making any important money-related decision. Equity release is no different and the benefits of using an independent adviser far outweighs the alternative....
An Overview of IRS Tax Debt Forgiveness Programs
Anthony E Parent
Did you know that the IRS has estimated that around a million Americans owe over $83 billion in unpaid taxes, penalties and interest? Now, the next question: If so many people owe money in back taxes, how is the IRS ever going to collect it from all those taxpayers?...
Three Types of Credit You May Not Know You Have
Every business has three types of credit: the Consumer Credit of the business owner, Bank Credit, and Business Credit. Most business owners are familiar with their consumer credit. This is credit that reports to the consumer credit reporting agencies TransUnion, Equifax, and Experian....
Equifax Small Business Credit Reports
Since its inception, Equifax has operated in the business-to-business sector, selling consumer credit and insurance reports and related analytics to a wide array of businesses worldwide. Equifax reports are still commonly used by retailers, insurance firms, healthcare providers, utilities, government agencies, banks, credit unions, personal finance companies, and other financial institutions. Equifax provides business credit evaluations for small businesses and corporations, allowing them to detect early signs of trouble by monitoring key customers, suppliers & partners....
Here's Why It Is the Best Time for Owner-Occupiers to Buy a House
If you are an owner-occupier, this is the best time to avail owner-occupied home loans. Get your finances in order and get ready for huge discount on the loan....
How to Choose a Credit Union That Fits Your Needs
Choosing a credit union over a bank has many advantages. If you're getting ready to make the switch, there are a few important points to consider....
How to Survive and Thrive on a Single Income
Living on single income is really a daunting and challenging situation. Having a family with a single income is a different ball game as well. This article is not intended to point the debate on whether staying at home is better than working at home. I believe that all moms are hard working moms....
How To Use Budgeting To Save Your Business
Sherrell T. Martin
It continues to amaze me how many businesses don't want to create a budget. They would rather operate their business blindly than to create a profitable plan so they can prosper in the upcoming year....
Secured Home Loans And Better Repayment Terms
A secured home loan is likely your cheaper option with lower repayments. You will also likely be able to recieve a much a larger loan, learn more....
Importance of Choosing the Right Debt Collection Agency
Tushar Deep Singh
Debt collection is a difficult process to execute, but if done correctly, can help your business grow significantly and prevent it from bankruptcy. There are two basic ways to collect the overdue amount. First is, by making use of the in-house resources, i.e. employees working within the company. This is an affordable and lucrative option, but can be time-consuming sometimes. Second is, by hiring a debt collection agency to take care of the process, which can take away all your stress and anxiety. This is considered the most effective solution to track down delinquent customers and convincing them to pay back their arrears....
16 Terms You Need to Know Before Speaking to a Lender
When you need money, you need to explore your loan options with a lender. Learn the typical terms associated with financing....
Top 7 Reasons to Use a Community Bank
Considering using a community bank? There are a number of advantages to using a smaller, local bank or credit union over a larger, nationwide entity....
Avoid These Four Pitfalls With Savings Bonds
Charles Fitzgerald Butler
Avoid these pitfalls when cashing in your Saving Bonds. Your interest rate payments can push you into a higher tax rate bracket....
Why Should I Refinance My Vehicle at a Credit Union?
If you are drowning in debt you may want to think about refinancing your vehicle. Refinancing could save you money if you can find the right interest rate. Refinancing at a credit union may benefit you even more because they have more flexible repayment terms and personalized customer service....
An Economic Slant Resulting From a Three-Way Struggle Between America, Russia and the Vatican
With the take-down of the Berlin Wall and Communism, orchestrated by President Reagan and John Paul, it looked like the west was supreme until Pope Benedict visited the US in 2008 and the economy crashed months later. While the pope's visit and the economy may not seem related, an undisclosed source said her son was high up in the hierarchy of priests and he visited the Vatican every 2-3 weeks. He said in 2008, Mother, before the elections, life in the US will change forever. Things will never be the same....
Job Costing and Estimating
Make sure that all costs are included when building a pricing model. Don't forget abut the indirect expenses and know how to allocate them....
Strategies to Avoid Car Repossession
If you are a few payments late, your car may be repossessed. Do not worry. There are many preventative strategies to help you avoid car repossession....