 Category :: Finance Articles |
Author :: Carrie Reeder  |
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| Article Title :: Credit Card Debt Help - 3 Tips To Reducing Debt |
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While getting out of debt may seem impossible, there are
numerous solutions available that will help consumers become
debt free. Individuals who have acquired an enormous amount of
debt may consider bankruptcy as their only alternative. However,
this maneuver to alleviate debt is extremely damaging to your
credit score. Before filing bankruptcy, consider the following
tips to help you reduce credit card debt.
Apply for a Low Interest Balance Transfer
Many financial experts advise consumers to pay more than the
monthly minimum on credit cards. In theory, this plan will
reduce your debt. On the flip side, many consumers are unable to
pay double their monthly minimums. The best method for re (read full article) |
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| Category :: Finance Articles |
Author :: Carrie Reeder |
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| Article Title :: Buying A Home After Bankruptcy - How To Improve Your Chances Of
Getting Approved |
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After a recent bankruptcy, many people assume that purchasing a
new home is impossible. No doubt a bankruptcy is extremely
damaging to your credit history, and most lenders are not eager
to loan you money or extend credit. However, there is good news
for the millions of people who file bankruptcy each year.
Contrary to popular opinion, homeownership after bankruptcy is
very attainable.
Delay the Home Buying Process
Although it is possible to get approved for a home loan one day
after a bankruptcy discharge, financial experts, and mortgage
lenders do not recommend this maneuver. You can expect to pay
ridiculously higher interest rates and fees immediately
following a bankruptcy.
The key t (read full article) |
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| Category :: Finance Articles |
Author :: Amy-Jo Strutt |
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| Article Title :: How to get the bank to say yes whenever you apply for a loan or
mortgage |
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Is there anything worse in the world than having to go to the
bank and ask for money? Why is the person you are dealing with,
half you age with little to no experience? He or she is the one
that will decide whether or not you get approved for the loan.
Banks work backwards in my mind, when you don't need the money
they continuously want to give it to you. When you do need the
money, you have to jump through hops to get it. This article is
designed to help you get prepared so that when you are applying
for a mortgage, home equity loan, SBA loan, VA loan or any other
kind of loan, the bank will always say yes. Let me repeat that,
the banks will always say yes!
Let's start with how you dress (read full article) |
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| Category :: Finance Articles |
Author :: Wayne M. Davies |
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| Article Title :: How Any Business Owner Can Reduce The Likelihood of a Tax
Penalty by 31 Times |
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Have you heard the latest version of the age-old story: "The
Tale of Two Small Business Owners."
Here it is:
Small Biz Owner #1 is 31 times less likely to be penalized by
the IRS than Small Biz Owner #2.
Hmmm. What gives? What is the difference between these two chaps?
It's simple, really.
Small Biz Owner #1 makes his federal tax payments
electronically, using the government's Electronic Federal Tax
Payment System (aka EFTPS).
Small Biz Owner #2 makes his federal tax payments manually,
using good old paper 'n ink to write the check.
Not only that, but for his monthly payroll tax payments, Small
Biz Owner #2 has to fill out the little coupon that comes in
that little yellow coupon boo (read full article) |
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| Category :: Finance Articles |
Author :: Markus Heitkoetter |
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| Article Title :: Trading Systems - When to Override a System |
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When should you override a trading strategy?
Let's use the following example for trading the e-mini S&P:
Your system establishes a long position at 1190.00 and the
profit target order was placed at 1192.25 ($112.50 profit per
contract). Prices moved up to 1192.00 and reversed. One hour
later the system tries to reverse at 1191.00. Again prices moved
up to 1190.75 and reversed. Two times the system missed the
profit target by one tick.
Should you change the strategy? or Should you manually override
the strategy when something like this happens?
Doing any of this is like opening Pandorra's Box: Let's say you
start lowering your profit goal by one tick. Of course you will
be instantly rewa (read full article) |
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| Category :: Finance Articles |
Author :: FinanceRating.com |
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| Article Title :: Personal Finance Worries - Debt |
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Personal Finance Worries - Debt
It may not be surprising to know that the $84,454 is the
average household's personal debt in the United States.
Even though you may have more or less than the statistical
average, it may be comforting to know that you regardless of
your financial situation can get out of debt before your debt
goes further.
Pinpoint your spending habits to guide to help you realize what
has damaged your personal finance. For many people it is simple
just spending too much money, for others it might a combination
of bad time, student loans, etc. Whatever your current financial
situation you must be able to stop doing wrong before you can
start healing your (read full article) |
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| Category :: Finance Articles |
Author :: J Shipper |
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| Article Title :: SoYou Want To Become A DayTrader(Or Not?) |
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How to (not) DayTrade So you'd like to earn your living
DayTrading? You have all heard the stories of losing DayTraders
running down the streets shooting people? During the heady .com
days prior to 2001, (when Bush became president,) there were
stocks, 3 or 4 times a week that went up from 30 to 200% a day.
It was possible, if you knew what you were doing, to check
before the market opened to see which stocks were running in
real time and why. And, if you then had a fast electronic
brokerage system you could dive into the market, buy a bunch and
sell them the same day. About 1% of people doing this
consistently made money. I saw one private individual make a
million in one day shorting Cor (read full article) |
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| Category :: Finance Articles |
Author :: Elizabeth Grant |
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| Article Title :: The Facts About Getting A Bad Credit Second Mortgage! |
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A bad credit second mortgage is a specialist area and it pays to
know the facts before you begin looking for advice.
What is a Bad Credit Second Mortgage?
A bad credit second mortgage, also known as an adverse second
mortgage, is a loan that is taken out on a property you already
have a mortgage on. The reason for undertaking a second mortgage
is usually to release some of the equity, in order to help pay
other debts, or to raise finance for a particular project. An
bad credit second mortgage is the name given to a second
mortgage product that is specifically designed for people with
an adverse credit history.
Is an adverse credit second mortgage my only choice?
Your choice of finance w (read full article) |
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| Category :: Finance Articles |
Author :: Delia Galley |
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| Article Title :: Statute of limitations on credit card debt |
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Each state has a statute
of limitations on old credit card debts. The statute of
limitations refers to the period after which, creditors cannot
sue you to collect the debt. The length of time is calculated
from your last payment date or last activity date (this is when
you last used the card).
Refer to the old debts statute of limitations chart, which
details the statute of limitations by Oral Contracts, Promissory
Notes, Written Contracts and Open-Ended Accounts. Note that the
transient nature of state legislature requires you to verify the
statute of limitations period with your State Attorney's office.
For more information go to www.naag.org.
In the past 10 years, a growing trend has e (read full article) |
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| Category :: Finance Articles |
Author :: Delia Galley |
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| Article Title :: Debt Management Plan (DMP) - Why, What, How |
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In recent years, the Federal Trade Commission (FTC) has taken
action to sue several "so-called" debt management organizations.
The FTC contends that these organizations deceived consumers,
charged high fees and didn't offer the services they claimed to
provide.
A reputable debt management credit counseling organization
should employ licensed and trained credit counselors, who
educate their customers on budgeting, saving money, debt
management and consumer credit.
A Debt Management Plan is a system, where consumers who are
overwhelmed by debt, seek the services of a debt management and
credit counseling service. The consumer deposits money into an
account, that is used by the DMP to pay of (read full article) |
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