 Category :: Finance Articles |
Author :: Stephen Hill  |
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| Article Title :: Debt advice in Birmingham |
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Jane was a fun loving girl from Birmingham, you could say she
lived for today. She wanted all the latest fashions and gadgets
and certianly was not afraid to use her credit card to pay for
them.
She had a weird philosophy on life. For some reason she believed
she would die before the age of thirty, however thought that if
she was still alive, she would by that stage be earning lots of
money. This huge wage packet would be more than enough to pay
for any debts that she accrued in her late teens and twenties.
Jane was a girl who could never say no to going on holiday with
her friends. There were a number of occasions where she booked a
holiday when in reality she could not afford it. Never (read full article) |
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| Category :: Finance Articles |
Author :: Charles Phelan |
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| Article Title :: Debt Settlement & Income Taxes - What You Need To Know |
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Debt settlement has become a popular approach to resolving
problem debts without having to file bankruptcy. With this
approach, creditors agree to accept a portion of what you owe
(usually around 50% or less) to settle the account, and the
remaining balance is forgiven. This technique will certainly
continue to grow in popularity now that the new bankruptcy law
makes it tougher to fully discharge debts in a Chapter 7
bankruptcy.
As with anything, there is no free lunch, and creditors are
required to report canceled debts to the IRS on Form 1099 (when
the canceled balance is $600 or greater). Therefore, the
possibility exists that you may owe taxes on the forgiven
portion of the debt. For (read full article) |
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| Category :: Finance Articles |
Author :: Christopher Young |
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| Article Title :: The Advantages of an Online Payday Loan |
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Many times people associate payday loans with lower income
individuals. It might surprise them to know, however, that
people of all income levels, genders, professions, and
ethnicities frequently use the convenience of a payday loan.
There are other advantages of obtaining a payday loan online as
opposed to in person. They provide quick money without the
hassle of credit checks or long waiting periods. Payday loan
companies, like many other businesses are beginning to function
online. The internet is a rapidly growing community in which
consumers, lenders, and merchants are beginning to flock. Many
people utilize the payday loan system, and it is continuously
expanding.
Online payday loan (read full article) |
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| Category :: Finance Articles |
Author :: Dirk Wessels |
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| Article Title :: Buying property with a Bad credit record |
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When I first moved up to Johannesburg and my career was just
starting to flourish many years ago, I heard of and spoke to a
number of people in a relatively short period of time with above
average salaries who had lost everything and had to start over
at a somewhat more mature age. I thought they were just stupid
and never gave much thought to it, because it would never happen
to me. Well, as Forest Gump says "It" happens.
What if the banks won't give me a home loan due to a bad
credit record?
As I have mentioned before on my wealth creation site, I
had a bit of a financial setback a couple of years ago. I am
slowly recovering from that, but there's not much chance of a
bank givin (read full article) |
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| Category :: Finance Articles |
Author :: Andrew Mills |
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| Article Title :: Five tips for Investing |
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One of the most common requests I receive is for investing help.
In this article, I try to present just a few basic investing
tips to remember when you plan for your future through investing.
1. Have a plan and know where you are going with your
investments. If you don't have a plan, how will you know if you
are on track? The process of creating a plan includes
determining your current financial situation, how much money you
want to save, and by when.
2. Diversify your investments. Create a balanced portfolio to
help you stay on track and reach your goals.
3. Beware of get rich quick schemes. If an investment seems too
good to be true, it probably is. Usually the higher the
estimated ret (read full article) |
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| Category :: Finance Articles |
Author :: SmithTaxPros.com |
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| Article Title :: How To Raise Capital To Fund Your Business |
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Raising capital to start a new business may seem like a daunting
task, but it need not be overwhelming if you follow a few basic
business practices. If you have a viable idea that will net a
return for your investors and prepare a compelling business plan
the chances are good that you can find investors to join you.
Your first task is to create a business plan, sometimes known as
a "business proposal" or "prospectus." Your business plan needs
to be very detailed and concise. You should include information
about your educational background, experience and training in
the area of business you are contemplating. Just like a resume
for a job, include references and any other favorable persona (read full article) |
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| Category :: Finance Articles |
Author :: John Mussi |
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| Article Title :: An Introduction to Interest Rates |
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Interest is one of the more important aspects of dealing with
banks and other lenders... depending upon the type of account or
loan that you're dealing with, the interest can either make you
money or cost you money.
A variety of different factors can determine how much interest
you receive or how much you pay, in the case of loans and credit
lines.
Below you'll find several examples of accounts that are either
paid interest or that have interest charged against your
balance, as well as the factors that can influence the interest
rates of each.
Interest Rates and Savings
The usage of interest in savings accounts is one of the most
well known forms of interest... after all, the mark of (read full article) |
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| Category :: Finance Articles |
Author :: John Mussi |
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| Article Title :: How Cheques Work |
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It can seem so simple sometimes, simply writing out a cheque in
order to pay for your purchases. Have you ever stopped to wonder
exactly how your chequeing account works, though?
After all, there's more to it than simply writing a cheque or
swiping a cheque card... a lot of things go on behind the scenes
to make sure that the transaction is valid and that you have
enough money in your account to cover the cheque that you're
writing.
If you've ever wondered exactly how your cheques are validated
and how chequeing accounts actually work, then you've come to
the right place.
An Overview of Cheques
Before you can learn too much about how cheques work behind the
scenes, it's important to (read full article) |
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| Category :: Finance Articles |
Author :: John Mussi |
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| Article Title :: How Loan Decisions are Made |
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If you've ever wondered exactly what the process by which loan
decisions are made is, it is actually much simpler than you
might expect.
While there are some large corporate banks that can have loan
committees made up of a fairly large group of people, many
smaller banks and lending companies leave the decision up to a
much smaller number of individuals and in some cases the
decisions can be made by 1 or 2 people.
Even with the larger corporate banks that have large loan
committees, the general process of making the loan decision is
still relatively simple and follows the example of the smaller
banks and lending companies fairly well.
Loan Application
Obviously, the first step in the (read full article) |
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| Category :: Finance Articles |
Author :: John Mussi |
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| Article Title :: Strategies for Long-Term Investments |
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If you've considered long-term investments in the past but
aren't really sure where you should start, you're in luck. While
there was a time when long-term investments were difficult for
someone who wasn't specifically trained to work with them,
modern investment banking allows for long-term investment
opportunities for even the least financially-aware individuals.
Below you'll find suggestions to help you choose from among the
various investment opportunities that you may encounter...
consider each type of investment opportunity carefully, and
decide which one (or which combination of opportunities) is best
suited for your needs.
Savings Accounts
One of the most basic forms of investm (read full article) |
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