 Category :: Finance Articles |
Author :: Dave Nighswander  |
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| Article Title :: Working Capital & Cash Flow Solutions: Should I Borrow From A Bank? |
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| Recently, my newspaper reported that a local bank “...earned a four star excellence rating for the sixty-fourth consecutive quarter.” That’s sixteen years of four star excellence! The article went on to say that the “rating is based on a complex formula that includes …capital safety levels, quality of loan portfolio, and the ability to meet obligations…” The press release was designed to showcase the value of this bank and demonstrate its prominent position in the economy.
As a former banker with over seventeen years of commercial experience, I chuckle at this information being tossed around by the bank and its regulatory agencies for self promotion a (read full article) |
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| Category :: Finance Articles |
Author :: Sintilia Miecevole |
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| Article Title :: The Right Time To Pay-Off Your House Mortgage |
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| If you are in dire need of money and don't have the financial means for a large cash transaction to buy a house, then opting for a home mortgage is worth consideration.
Basically, a mortgage refers to a long-standing credit that a debtor obtains from a financial institution or from a property seller.
In most cases, the house is the usual collateral for the mortgage, thus the term "home mortgage". In turn, the mortgage lender will be entitled to some legal rights upon the property as long as the mortgage is in full force or until the debtor pays back the loan.
A home mortgage serves as security for loans, thus giving the lender the power to acquire th (read full article) |
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| Category :: Finance Articles |
Author :: Christopehr M Luck |
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| Article Title :: Easy Ways To Handle Bank Foreclosure |
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| Recently, my significant other and I found ourselves facing bank foreclosure on our home. We knew it was coming. We had missed several mortgage payments while we were laid off from our jobs at the mine. Stupidly, we decided not to communicate our problems to the bank. We tried to make do with part time jobs at fast food restaurants, but trying to make all of our payments on time and still have money to buy diapers and food for the kids was very difficult. It was a scary situation to be in.
The first step in bank foreclosure is missing a payment. It does not matter why you miss that first payment, but the foreclosure ball starts rolling at that point. Once fifteen days have passe (read full article) |
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| Category :: Finance Articles |
Author :: John Bradford |
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| Article Title :: Time to Make New Year's Financial Resolutions |
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| Do you remember any of the New Year's resolutions you made for 2005? If you don't, it may not be such a tragedy. After all, you still may have had a good quality of life even if you didn't get to the gym three times a week, learn a new language or take that gourmet cooking class. On the other hand, you can make a big difference in your future if you make - and keep - financial resolutions for the coming year.
Of course, like all resolutions, the financial ones are easier to keep if they don't force you to radically change your lifestyle. So, with that in mind, here are a few achievable financial resolutions you may want to consider for 2006:
- Increase your 401(k) (read full article) |
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| Category :: Finance Articles |
Author :: Charles Cruz |
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| Article Title :: E-Currency: If Forest Gump Was Here, This Is What He Would Be Doing |
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| So you want to learn currency exchange huh?
You heard about it and now you decided you want to become the Donald Trump of investing, somehow you know you can pull this off and become the next big thing.
Well it's quite possible to earn a very good living doing exchanges, but you have to know how the system works before you start seeing the money.
One system that is one of the internet's best kept gems is E-Currency Exchange. The money that is being moved through the internet in every single daily purchase needs to be backed up in gold. This is were you come in.
When you invest your money in e currency exchange your money acts as a backup (read full article) |
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| Category :: Finance Articles |
Author :: R.Green |
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| Article Title :: Avoiding The Sound Of Jingle Bills |
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| The Commons Trade and Industry committee has stated that the recent rises in UK gas prices has lead to increased suffering by many of the most exposed groups such as the elderly and, "non-elderly vulnerable groups, particularly disabled people, whose difficulties in relation to fuel poverty have been known for a long time".
A lack of gas supplies from Europe, and dwindling North Sea production has been blamed for the price increases by most of the major energy suppliers leading to average bills being put up by as much as 15% recently, with fears that costs are likely to rise even higher if the UK experiences a cold winter.
The Committee report also added that: "If (read full article) |
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| Category :: Finance Articles |
Author :: Steve Szasz |
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| Article Title :: Finding Lost And Unclaimed Superannuation. |
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| Thousands upon thousands of Australian employees and employers have billons of dollars in unclaimed or lost (superannuation) Super.
So how do you know if you are one of the 4.3 million Australian with unclaimed or lost Superannuation, who have every right to claim this pool of almost 4.3 billion dollars?
Anybody who has worked for any amount of time at one stage or another has had employer contributed superannuation funds deposited into one of the many hundreds of superannuation funds now operating In Australia. Have you kept track of all the funds deposited into your Super fund?
Like most of us, you have had a least 4 to 8 fulltime or partime jobs in y (read full article) |
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| Category :: Finance Articles |
Author :: David Springer |
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| Article Title :: Financial Security through Structured Settlements |
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| Structured settlements have become a natural part of personal injury and workerÂ’s compensation claims in the United States, according to the National Structured Settlements Trade Association (NSSTA). In 2001, life insurance members of NSSTA wrote more than $6.05 billion of issued annuities as settlement for physical injury claims. This represents a 19 percent increase over 2000.
A structured settlement is the dispersement of money for a legal claim where all or part of the arrangement calls for future periodic payments. The money is paid in regular installments—annually, semi-annually or quarterly—either for a fixed period or for the lifetime of the claimant. Dependi (read full article) |
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| Category :: Finance Articles |
Author :: Hari Wibowo |
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| Article Title :: The Folly of PEG Ratio |
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| Price Earning Growth (PEG) Ratio is the ratio of a company's P/E with its growth rate. A lot of analysts have concurred that a stock is fairly valued when its PEG ratio equal one. This means that if a stock has a P/E of 10 with a growth rate of 10%, then the stock is trading at fair value.
How many of you have seen this kind of statement? I have seen it plenty of times and I think it is silly. This is a relatively simple reasoning. Let's think of it for a second. If a stock will grow its earning for 8%, then to reach fair value, the stock has to trade at a P/E of 8. How about a stock with growth rate of 5%? Its fair value is a P/E Of 5. How about a company with 0% growth? Oh, ri (read full article) |
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| Category :: Finance Articles |
Author :: Matthew Bourne |
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| Article Title :: Cheap Equity Loans |
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| Since the slump in house prices during the early-to-mid 1990s, millions of UK homeowners have seen the value of their property rise by considerable amounts. This has made many a UK homeowner equity rich and, on paper, very wealthy. But, with all the equity tied up in their home the reality of the situation is often very different as homeowners struggle to find the money to make ends meet or to pay off other loans. If this is you then don't despairÂ…equity loans are the answer to just this problem!
Releasing equity
Equity loans are loans secured on the value of your home minus loans already secured on your home, the most significant of these pre-existing loans sec (read full article) |
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