Author: orellrf When I began thinking about whether or not to complete a review of the Panic Away program, I realized that it was important for me to be able to make the most accurate and objective review of the Panic Away program as I possibly could. As an ex-sufferer of anxiety, panic attacks and agoraphobia, I realized that I had the "been there" credentials. Additionally my experience with anxiety had afforded me a level of sensitivity and...more
Once Thanksgiving and Christmas are near, we realize that another year has come and gone. When we look back, we realize that there were many things we wanted to accomplish in 2009, yet they somehow did not come to fruition.For many of us, life just gets in the way. With spouses, children, work, and home, there is never a shortage of things to do. It becomes easy to put off our goals until "tomorrow." For example, many of us put off making...more
At some point in your real estate career, you will need to come up with quick cash to close a deal. When all other options fail or are not feasible, such as in the case of a short-sale, consider hard money lenders when fast cash is needed for real estate investing. Before even considering this option, it is important that you choose your lender carefully and fully understand the terms of the lender.What is a hard lender?Hard money lenders are an alternative loan source when you need money fast. They are more expensive than traditional financial institutions, but in some cases, you can have cash in hand within (3) business days. The term "hard money" is due to the hard terms involved when dealing with this type of lender. The interest rates can range anywhere from 10-20%; however, it is a viable option when you have no other way to come up with cash quickly.Hard money loans typically have terms from three months up to 12 months. The length depends on your specific needs and the lender's guidelines. If you choose to go this route, obviously, the longer you have the loan the more expensive it will be, so it is important to have a solid plan to repay the loan as soon as...more
Why to stand in the long queues when online application is easily available? Payday loan has made the life of the working people completely relaxed whenever they need cash for pressing financial emergency. Payday loans are well known by different names such as cash advance, instant cash loans, same day loans and fast cash loans. Names are...more
Although buying a home is one of the most exciting events in a person's life, it can also be one of the most stressful. This is particularly true for first time home buyers who have never been through the process before. Here are three things you should know if you're in the process of looking for your first piece of real estate:Just because you...more
Single working mothers have perhaps the toughest job of all, in having to take care of their families on their own. Higher education is only a wish or a goal that has to be put on hold in order to take care of other responsibilities, for many moms. Together with his new administration, however, President Obama is encouraging moms to make their education a priority. Obama scholarships will offer working mothers a great chance to improve their futures. Obama, whilst encouraging people of all ages to seek higher education, is urging working moms in particular to participate in his Scholarships for Moms program. Building on The Scholarships for Moms program, is the long-standing offer of Pell grants by the federal government. The most commonly applied for forms of aid for students going to college are Pell grants. These are applied for through the Free Application for Federal Student Aid, or FAFSA. The Obama administration is now making some changes to encourage more mothers to return to school. The biggest incentive for the Scholarships for Moms program is in the amount of money being offered. The maximum amount awarded through Pell grants is about $4,000 per student,...more
If someone had to ask you to explain the Obama grant, could you? Many are uncertain as to what it means exactly. Nevertheless the government under the much admired Obama administration is working hard to help working mothers in returning to college....more
A business of how big or small faces alot of problems along the way. Oftentimes, it is financial aspect of the business. It is very difficult to achieve to have a steady financial source. It is not guarantee that you have lost of savings for their...more
Need to save a few bucks? One way to save money is to store food in a way that reduces spoilage and waste. Less food spoilage means less food you will have to buy, which leaves more money in your pocket. Here are five easy ways to save a little...more
Investing in the stock market can be very confusing. Large cap stocks, small cap stocks, value, growth, what does it all mean? Why do I need to have both? Isn't it enough just to have several different stocks? The answer is no. While diversification...more
It's New Year's Resolution Time Again and while you're writing your list for 2010 it's important to make your financial health a priority. Credit Card interest has a way of creaping up on people, building slowly over time. It can be a real budget...more
Are you facing shortage of money and need to borrow funds for some of your personal need? Lower interest rate is your primary choice; if yes then apply for secured loans. These finances are available at considerably lower interest rates and...more