When you begin applying for colleges, you will find that tuition and boarding fees are extremely expensive. Unless they are independently wealthy, few people can pay for college outright. If you do not qualify for scholarships, financing your education can seem virtually impossible, even with the help of regular financial aid grants. However, there are many low interest student loans available for students that qualify for them. Rather than...more
In writing my last article about the neighborhoods where I find the most profitable rehab real estate investment deals, something occurred to me. In that article I described investing from what I've found is typical in doing this business. I wrote about where I TYPICALLY find the deals. Well, what IS typical in this business?No two deals are the same, that's for sure! Every rehab itself is different with different problems to solve. So, in...more
While Christmas recedes into oblivion in a day or two, the expenses you made during the period are not going to leave you so easily. The breadwinner is familiar with this, and Christmas festivities appear bland to him. With Christmas loans, individuals no longer need to waste off their Christmas brooding over ways to counter the expenses incurred during this period. Christmas expenses are much more easier to pay through Christmas loans than through any other method.Some of us will counteract this statement with loads of praises for credit cards and similar other methods that have cropped in the recent years. However, for their attention it needs to be stated that a credit card can further increase their festive budget. This is because the interest rates that are charged on credit cards are higher than personal loans by many times. Thus, credit cards are not considered a cheaper method of disbursement of expenses, in spite of the convenience that credit cards provide.Christmas loan is how a personal loan is used for the desired purpose. Therefore, any loan that is taken for disbursement of expenses can be termed as Christmas loans. There is no rule to bind the borrowers to use the...more
One of the most widely respected and important American publications of the last century is Forbes Magazine. Forbes Magazine was founded in 1917 by Scottish immigrant B.C. Forbes (who was, at the time, the leading columnist for the Hearst newspaper chain). Forbes was born in Aberdeen shire in Scotland and moved from Johannesburg, South Africa to...more
Mergers and acquisitions happen just about every business day of the year. You may not hear about many of them, mainly because they are low key companies. But, having the inside scoop on the latest and greatest mergers and acquisitions can help you to keep your head above water as well. What are these and why are they so important anyway? If you...more
Social Security retirement benefits are based on three major factors: you current age, your age when you begin receiving benefits, and your past earnings. You are free to stop working and start receiving Social Security benefits anytime between the ages of 62 and 70. But you age impacts on how much you will end up getting. In the past, you would expect to get your full benefits once you hit that magical age of 65. But that's not quite how Social Security works now. There are many sources of information on the Internet to guide you towards making an informed prediction of whether Social Security will be enough to cover your expenses when you retire. Your first stop on the Internet is the Social Security Administration website. Access this website directly at www.ssa.gov. Be prepared to learn the worst. For the vast majority of Americans, Social Security benefits will not provide enough of an income and to cover expenses and make retirement comfortable. Most people think that once they retire their expenses will be reduced. But just think ahead a little. Maybe you've always had a dream about your life in retirement. That dream may have included taking up a hobby or it may have...more
Oh no! You need audit advice. You just received in the mail a notification that you are going to be audited by the IRS. What now? How do you respond to this and should you be having a heart attack now? While many people lose it as soon as they...more
In 1985, at the beginning of the cell phone era, cell phone users in the world totaled only about 200,000. Today, according to CTIA-The Wireless Association, there are nearly 200 million in the US alone!In the past some waxed futuristic, saying that...more
Going from employee to manager is like taking a quantum leap. Sometimes it's the most natural way to proceed forward, other times it takes time, patience and a good deal of planning. Tip No. 1: Look forward. There are many opportunities available to...more
Dividend is earnings distributed to the shareholders in the form of cash. Now, not all publicly-traded companies pay dividend. Most of the dividend-paying companies are profitable or have long history of profitability. This is key because in the long...more
In a recent Harvard Business Review (HBR) article the three authors (Neilson, Pasternack, and Van Nuys) described what they called the "Passive-Aggressive Organization." While we are all familiar with the concept of the passive-aggressive individual,...more
As turnaround investors, I prefer to invest in companies that are down but not out. This is important because a lot of times, investors misunderstood the two. Often times, these two types of companies are trading near or at their 52 week low. But the...more