Many individuals are experiencing difficulties meeting their financial obligations from month to month and the monthly payments are overwhelming and creating unnecessary stress and frustration. However, it is imperative that you find a way to meet your monthly obligations in order to maintain a positive credit rating and eliminate problems with credit collectors and losing your good credit standing. Of course, when you find yourself in this...more
Are you looking for easy ways to make money? Let's analyze 3 easy ways you can make money using the internet. Internet marketing, affiliate programs, and a home based business. Internet marketing is the use of the Internet to advertise and sell merchandise or services. This involves use of Web sites and e-mail to inform customers about a product, solicit their questions, and accept their orders directly through the electronic medium. Virtually...more
1)It is cheap. The prices on webconferencing services have come way down in recent years. What used to cost literally hundreds of dollars has since deflated down to extremely affordable prices. Snoop around the web and you will find that decent webconferencing services can be had for as little as $20 per month. Buyer beware should be the rule as usual but this stuff isn't only for $100 million dollar businesses anymore.2)The productivity boom. Webconferencing can drive your business to be more productive. No doubt. More than half of my day used to be wasted going to and from meetings. Cutting out just 15% of travel time can make a huge difference. Wouldn't you rather be doing something else besides waiting to go to meetings? Webconferencing can significantly cut down on your wasted time and can help your business become more profitable also.3)The technology is there. The technology has piggybacked the broadband revolution. What used to be choppy video in a 3 inch by 4 inch square has turned fully interactive, multiuser, and full screen. Webconferencing is big, stable, and enjoyable. This part of the internet has come a long way since 1999.4)Webconferencing is good for environment....more
The general lack of stability or guarantee of returns available from the stock market coupled with a global housing boom have resulted in many more investors putting their hard earned sums of cash into real estate around the world over the past year or so. Some of these investors have simply purchased second homes, some have developed and flipped...more
You're selling your home as a FSBO (for sale by owner) and you get annoyed when real estate brokers call you, right? That's a reasonable response when you're doing all the work to market your property to save thousands of dollars in broker commissions. However, when a "buyer broker" calls, you might want to listen.Why ListenTo understand why I say...more
Most FSBOs (people who are selling their own homes) are aware of the conventional use of escrow. In this article, we look at ways to use escrow to solve problems. EscrowEscrow means different things in different parts of the country. In California it's part and parcel of the settlement process. In Virginia, while there's no formal escrow before settlement, the settlement agent gathers title information, draws or has a deed drawn, coordinates with the lender, receives various inspection reports and in general conducts an informal escrow in the days before settlement. The difference is that, in Virginia, usually documents aren't signed by the parties until they meet at the settlement table. It's the use of escrow after this period that we're concerned with here.A Problem Rears Its HeadWhat's possible varies from state to state, but creating an escrow account (usually held by the settlement agent) after a home is sold can solve problems. What sorts of problems? Let's look at a few.First of all, let's assume the buyer or seller needs, or wants, to settle by a certain date. Lots of things can cause this including the date school starts, the date a breadwinner starts a new job or the...more
Sorting out your personal finances can be a tricky and exasperating time. Whether you are looking to obtain money through a loan, protect your finances with life insurance, medical, travel or car insurance, save some money through an individual...more
Critical illness insurance:Critical illness insurance will cover you in the event of a serious illness such as cancer, coronary artery by-pass surgery, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. Additional...more
Refinancing Your Home You may want to refinance your home for several reasons. The biggest reason that people refinance their homes is to save money. If you qualify for a lower rate you could lock in that lower mortgage rate and stretch out the...more
No doubt, you've probably gotten literally hundreds of credit card applications in the mail and online, and each and every one of them has said that you've been "Pre-Approved". Of course it's natural that this would lead us to believe that the...more
We all know that we should be putting aside an amount of money each month and saving towards our futures - right?Well, if you're anything like I used to be you get to the end of the month and the cupboard - or the bank account in this case - is...more
Sometimes it's helpful to sell your home before you really want to move. This often happens when you are having a new home built, but aren't sure of the completion date. Is there any way you can sell your home so you're sure of the funds available...more