by Article24.info
Depending on the type of investing that you plan to do, you may need to hire a broker to handle your investments for you. Brokers work for brokerage houses and have the ability to buy and sell stock on the stock exchange. You may wonder if you really need a broker. The answer is yes. If you intend to buy or sell stocks on the stock exchange, you must have a broker.
Stockbrokers are required to pass two different tests in order to obtain their license. These tests are very difficult, and most brokers have a background in business or finance, with a Bachelors or Masters Degree.
It is very important to understand the difference between a broker and a stock market analyst. An analyst literally analyzes the stock market, and predicts what it will or will not do, or how specific stocks will perform. A stock broker is only there to follow your instructions to either buy or sell stock… not to analyze stocks.
Brokers earn their money from commissions on sales in most cases. When you instruct your broker to buy or sell a stock, they earn a set percentage of the transaction. Many brokers charge a flat ‘per transaction’ fee.
There are two types of brokers: Full service brokers and discount brokers. Full service brokers can usually offer more types of investments, may provide you with investment advice, and is usually paid in commissions.
Discount brokers typically do not offer any advice and do no research – they just do as you ask them to do, without all of the bells and whistles.
So, the biggest decision you must make when it come to brokers is whether you want a full service broker or a discount broker.
If you are new to investing, you may need to go with a full service broker to ensure that you are making wise investments. They can offer you the skill that you lack at this point. However, if you are already knowledgeable about the stock market, all you really need is a discount broker to make your trades for you.Interested in getting information on Internet Marketing ? You can visit: Most Popular Articles
Monday, June 16, 2008
TIP - About Online Trading
by Article24.info
The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!
We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.
Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.
If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.
You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.
It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.
Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!
Interested in getting information on Article Marketing? You can visit: article24.info
The invention of the Internet has brought about many changes in the way that we conduct our lives and our personal business. We can pay our bills online, shop online, bank online, and even date online!
We can even buy and sell stocks online. Traders love having the ability to look at their accounts whenever they want to, and brokers like having the ability to take orders over the Internet, as opposed to the telephone.
Most brokers and brokerage houses now offer online trading to their clients. Another great thing about trading online is that fees and commissions are often lower. While online trading is great, there are some drawbacks.
If you are new to investing, having the ability to actually speak with a broker can be quite beneficial. If you aren’t stock market savvy, online trading may be a dangerous thing for you. If this is the case, make sure that you learn as much as you can about trading stocks before you start trading online.
You should also be aware that you don’t have a computer with Internet access attached to you. You won’t always have the ability to get online to make a trade. You need to be sure that you can call and speak with a broker if this is the case, using the online broker. This is true whether you are an advanced trader or a beginner.
It is also a good idea to go with an online brokerage company that has been around for a while. You won’t find one that has been in business for fifty years of course, but you can find a company that has been in business that long and now offers online trading.
Again, online trading is a beautiful thing – but it isn’t for everyone. Think carefully before you decide to do your trading online, and make sure that you really know what you are doing!
Interested in getting information on Article Marketing? You can visit: article24.info
TIP - Leasing and your credit score.
by FinanceStar24
Your credit score is part of the leasing decision. When you apply for a lease, your lease company will typically look at your credit score to decide whether you to approve the application.
The leasing contract stipulates that you make regular, monthly payments over your lease term. The credit score you lease company requests identifies how likely you are to make such payments. It is simply a numbercalculated according to a model that takes into account your payment history, any amounts you owe and credit currently in use.
It is very important to keep a good credit-score, usually above 700, to qualify for a lease or any other lending decision. Start by ordering yourcredit report from Fair Isaac Corp, the company that creates your credit score. If erroneous data is held about you, then contact the creditor responsible and get such information corrected. Your payment history is the single most important factor in determining your credit score, so get in the habit of paying everything you owe on time and keep the balances low in your credit cards..
Go here for information on computer leasing? You can visit: leasing
Your credit score is part of the leasing decision. When you apply for a lease, your lease company will typically look at your credit score to decide whether you to approve the application.
The leasing contract stipulates that you make regular, monthly payments over your lease term. The credit score you lease company requests identifies how likely you are to make such payments. It is simply a numbercalculated according to a model that takes into account your payment history, any amounts you owe and credit currently in use.
It is very important to keep a good credit-score, usually above 700, to qualify for a lease or any other lending decision. Start by ordering yourcredit report from Fair Isaac Corp, the company that creates your credit score. If erroneous data is held about you, then contact the creditor responsible and get such information corrected. Your payment history is the single most important factor in determining your credit score, so get in the habit of paying everything you owe on time and keep the balances low in your credit cards..
Go here for information on computer leasing? You can visit: leasing
TIP - Buy or Lease?
by FinanceStar24
It’s the classic dilemma that faces every auto-consumer out there: Pay cash upfront or forego the ownership and pay monthly settlements instead? Buy or lease for a new set of wheels?
As is the case with every other common dilemma, there is no slam-dunk answer. Each option has its own benefits and drawbacks, and it all depends on a set of financial and personal considerations.
First, your finances. Affordability is clearly key, and you need to ask thequestion of how stable is your job and how healthy is your general financial situation. The short-term monthly-cost of leasing is significantly lower than the monthly payments when buying: you only pay for“the portion” of the vehicle’s cost that you use up during the time you drive it. If you have a lot of cash upfront, then you can opt to pay the down payment, sales taxes - in cash or rolled into a loan - and the interest rate determined by your loan company. Buying effectively gives you ownership of the car and that feeling of “free driving” that goes on providing transportation.If, say, you want to get into luxury models but can’t afford the upfront cash of purchasing the vehicle than you’re a good candidate for leasing. Unlike buying, it gives you the option of not having to fork out the down payment upfront, leaving you to pay a lower money factor that is generally similar to the interest rate on a financing loan. However, these benefits have a price: terminating a lease early or defaulting on your monthly lease payments will result in stiff financial penalties and can ruin your credit. You need to make sure you carve out the monthly lease payment in your budget for the foreseeable future, at least for the duration of the lease.
Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences. Think about what the car means to you: are you the sort of person to bond with the car or would you rather have the excitement of something new? If you want to drive a car for more than fives years, negotiate carefully and buy the car you like. If, on the other hand, you don’t like the idea of ownership and prefer to drive a new car every two to three years then you should lease. Next, factor your transportation needs: How many miles do you drive a year? How properly do you maintain your cars? If you answer is: “I drive 40,000 miles a year and I don’t really care much about my cars as I don’t mind dealing with repair bills”, then you’re probably better off buying. Leasing is based on the assumption of limited-mileage, usually no more than 12,000 to 15,000 miles a year, and wear-and-tear considerations. Unless you can keep within the prescribed mileage limits and keep the car in a good condition at the end of your lease, you might incur hefty end-of-lease costs.
Go here for information on easy Lease Financing? You can visit: Leasing
It’s the classic dilemma that faces every auto-consumer out there: Pay cash upfront or forego the ownership and pay monthly settlements instead? Buy or lease for a new set of wheels?
As is the case with every other common dilemma, there is no slam-dunk answer. Each option has its own benefits and drawbacks, and it all depends on a set of financial and personal considerations.
First, your finances. Affordability is clearly key, and you need to ask thequestion of how stable is your job and how healthy is your general financial situation. The short-term monthly-cost of leasing is significantly lower than the monthly payments when buying: you only pay for“the portion” of the vehicle’s cost that you use up during the time you drive it. If you have a lot of cash upfront, then you can opt to pay the down payment, sales taxes - in cash or rolled into a loan - and the interest rate determined by your loan company. Buying effectively gives you ownership of the car and that feeling of “free driving” that goes on providing transportation.If, say, you want to get into luxury models but can’t afford the upfront cash of purchasing the vehicle than you’re a good candidate for leasing. Unlike buying, it gives you the option of not having to fork out the down payment upfront, leaving you to pay a lower money factor that is generally similar to the interest rate on a financing loan. However, these benefits have a price: terminating a lease early or defaulting on your monthly lease payments will result in stiff financial penalties and can ruin your credit. You need to make sure you carve out the monthly lease payment in your budget for the foreseeable future, at least for the duration of the lease.
Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences. Think about what the car means to you: are you the sort of person to bond with the car or would you rather have the excitement of something new? If you want to drive a car for more than fives years, negotiate carefully and buy the car you like. If, on the other hand, you don’t like the idea of ownership and prefer to drive a new car every two to three years then you should lease. Next, factor your transportation needs: How many miles do you drive a year? How properly do you maintain your cars? If you answer is: “I drive 40,000 miles a year and I don’t really care much about my cars as I don’t mind dealing with repair bills”, then you’re probably better off buying. Leasing is based on the assumption of limited-mileage, usually no more than 12,000 to 15,000 miles a year, and wear-and-tear considerations. Unless you can keep within the prescribed mileage limits and keep the car in a good condition at the end of your lease, you might incur hefty end-of-lease costs.
Go here for information on easy Lease Financing? You can visit: Leasing
TIP - Benefits of leasing
by FinanceStar24
Despite aggressive low-interest financing, cash-back offers and other purchasing incentives offered by leading auto-makers to buyers, leasing numbers keep increasing steadily over the years. Leasing is not only anattractive financial proposition to most auto-consumers, but also a lifestyle and preference choice.
Benefit Number 1: Keeping up with the latest trends
Leasing is sometimes more of a personal and lifestyle choice than a financial one. Many people are not comfortable with the idea of owning a vehicle over a long period of time. They’d rather keep up with the latest trends of the industry and drive the latest models every two to three years.
Leasing a car gives you the convenience of having the latest technology and safety innovation, such as an electronic stability system, DVD entertainment systems and advanced stereo equipment. If you are willing to forego ownership for the latest set of wheels, than leasing is your best option.
Benefit Number 2: Purchasing Flexibility
Leasing also offers purchasing flexibility: it allows you to defer the purchasing decision while using the car. You don’t have to haggle with your mechanic over repair expenses, deal with hefty maintenance bills or worry about a depreciating asset. Provided you can keep the vehicle in good condition and stay within the contracted mileage allowance, you’re effectively getting a test drive for the length of your lease. At the end of your lease, you can purchase the vehicle or simply turn in the keys and walk away. No questions asked.
Benefit Number 3: Cash Flow
Leasing offers many short-term benefits. It reduces your initial cash outlay as you do not have to pay the large down payment required for car ownership. You only pay for the depreciation on the car - only the part youwill use during your lease, not the entire vehicle. This results in lower monthly payments and frees even more cash. This cash can be put to use moreintelligently elsewhere than the questionable investment of owning a depreciating asset. If you are self-employed or use your car for your job, then you can write off your leasing payment as a business expense.
Benefit Number 4: Negotiating Leverage
Although it may seem a little unorthodox in this industry, almost everything about leasing is negotiable. If you know all the fees involved, you can lower your monthly payments, negotiate the purchase price of the vehicle at the end of the lease and contract additional miles on top of your mileage limit. You can also do some shopping around and compare deals from different auto-insurers to get the cheapest GAP insurance for your lease.
Go here for information on easy Lease Financing? You can visit: Leasing
Despite aggressive low-interest financing, cash-back offers and other purchasing incentives offered by leading auto-makers to buyers, leasing numbers keep increasing steadily over the years. Leasing is not only anattractive financial proposition to most auto-consumers, but also a lifestyle and preference choice.
Benefit Number 1: Keeping up with the latest trends
Leasing is sometimes more of a personal and lifestyle choice than a financial one. Many people are not comfortable with the idea of owning a vehicle over a long period of time. They’d rather keep up with the latest trends of the industry and drive the latest models every two to three years.
Leasing a car gives you the convenience of having the latest technology and safety innovation, such as an electronic stability system, DVD entertainment systems and advanced stereo equipment. If you are willing to forego ownership for the latest set of wheels, than leasing is your best option.
Benefit Number 2: Purchasing Flexibility
Leasing also offers purchasing flexibility: it allows you to defer the purchasing decision while using the car. You don’t have to haggle with your mechanic over repair expenses, deal with hefty maintenance bills or worry about a depreciating asset. Provided you can keep the vehicle in good condition and stay within the contracted mileage allowance, you’re effectively getting a test drive for the length of your lease. At the end of your lease, you can purchase the vehicle or simply turn in the keys and walk away. No questions asked.
Benefit Number 3: Cash Flow
Leasing offers many short-term benefits. It reduces your initial cash outlay as you do not have to pay the large down payment required for car ownership. You only pay for the depreciation on the car - only the part youwill use during your lease, not the entire vehicle. This results in lower monthly payments and frees even more cash. This cash can be put to use moreintelligently elsewhere than the questionable investment of owning a depreciating asset. If you are self-employed or use your car for your job, then you can write off your leasing payment as a business expense.
Benefit Number 4: Negotiating Leverage
Although it may seem a little unorthodox in this industry, almost everything about leasing is negotiable. If you know all the fees involved, you can lower your monthly payments, negotiate the purchase price of the vehicle at the end of the lease and contract additional miles on top of your mileage limit. You can also do some shopping around and compare deals from different auto-insurers to get the cheapest GAP insurance for your lease.
Go here for information on easy Lease Financing? You can visit: Leasing
TIP - Auto Leasing Scams
by FinanceStar24
Car-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a rough deal on the dealer’s terms.
Here we look at some of these common scams and how to avoid them
Artificially low interest rates:
Some dealers quote a lower interest rate when in reality it’s much higher. They do this by either purposefully quoting the money factor as the interest rate or calculating the loan without amortizing some closing fees, like the security deposit, into the loan lease. Take the money factor for example: this is typically expressed as a four decimal digit, something like 0.004. Some dealers quote this as a 4% interest rate when in fact you need to multiply it by 24 to get a rough idea of the interest rate on your loan. In this example, the interest rate is a much higher 9.6% than the “quoted” rate of 4%. Make sure you crunch the numbers and understand the formula they use to calculate their interest rate. Look out for any fees not factored into the calculation. If you are not satisfied, do not enter into the lease agreement.
Terminate your lease early for a low penalty
This is an all-time leasing scam. You ask your dealer how much you will payif you want to terminate your lease and he tells you: “You want to get out early? Sure thing, you only pay an early termination fee of $300”. What heis quoting is only the small administrative penalty of early termination, there is a much stiffer penalty called early termination fee and this runs into thousands of dollars.Do not confuse the early termination administrative penalty with the termination fee. Read the small print carefully and know exactly how much you will get charged should you terminate your lease before its scheduled end.
Pay for an extended warranty you don’t need
This is another shell game to inflate the dealer’s profit at your expense. The dealer slides an extended-warranty into the deal whilst it’s already factored into the monthly payments, or he tricks you into buying a 36-month warranty on a 24-month lease. You do not have to pay extra money for a warranty already built into your payments or for one that goes well beyond your lease term. They might slip an extended warranty in. Don’t be fooled, the warranty is already factored in.
No security deposit
Any dealer who advertises a $0 security deposit is not telling you thewhole story. A security deposit is always factored in the lease under the provision for disposition fees.
Go here for information on easy Lease Financing? You can visit: Leasing
Car-leasing has been lauded as a more attractive alternative to buying, offering in the process the flexibility to drive a new car for less. The reality, however, is that leasing is an option that is fraught with many pitfalls for the average customer. Leasing regulation does not require as much disclosure as buying a vehicle. This has given rise to many leasing scams that trick the customer into believing they are into a good deal when, in effect, all he is getting is a rough deal on the dealer’s terms.
Here we look at some of these common scams and how to avoid them
Artificially low interest rates:
Some dealers quote a lower interest rate when in reality it’s much higher. They do this by either purposefully quoting the money factor as the interest rate or calculating the loan without amortizing some closing fees, like the security deposit, into the loan lease. Take the money factor for example: this is typically expressed as a four decimal digit, something like 0.004. Some dealers quote this as a 4% interest rate when in fact you need to multiply it by 24 to get a rough idea of the interest rate on your loan. In this example, the interest rate is a much higher 9.6% than the “quoted” rate of 4%. Make sure you crunch the numbers and understand the formula they use to calculate their interest rate. Look out for any fees not factored into the calculation. If you are not satisfied, do not enter into the lease agreement.
Terminate your lease early for a low penalty
This is an all-time leasing scam. You ask your dealer how much you will payif you want to terminate your lease and he tells you: “You want to get out early? Sure thing, you only pay an early termination fee of $300”. What heis quoting is only the small administrative penalty of early termination, there is a much stiffer penalty called early termination fee and this runs into thousands of dollars.Do not confuse the early termination administrative penalty with the termination fee. Read the small print carefully and know exactly how much you will get charged should you terminate your lease before its scheduled end.
Pay for an extended warranty you don’t need
This is another shell game to inflate the dealer’s profit at your expense. The dealer slides an extended-warranty into the deal whilst it’s already factored into the monthly payments, or he tricks you into buying a 36-month warranty on a 24-month lease. You do not have to pay extra money for a warranty already built into your payments or for one that goes well beyond your lease term. They might slip an extended warranty in. Don’t be fooled, the warranty is already factored in.
No security deposit
Any dealer who advertises a $0 security deposit is not telling you thewhole story. A security deposit is always factored in the lease under the provision for disposition fees.
Go here for information on easy Lease Financing? You can visit: Leasing
TIP - Auto Insurance and Leasing
by FinanceStar24
When leasing a car, it’s easier to stick with the same company for yourauto insurance. What you don’t know, however, is that you may end up paying too much for your coverage and it’s better to look elsewhere for lower rates.
When you lease, the vehicle that you will drive belongs to the leasing company. They want to make sure that their investment is covered in the event the vehicle gets damaged, totalled or stolen. They typically want to get covered for the difference between what your auto-insurer pays andyour outstanding leasing obligations at the time of the accident or damage. This is called GAP, short for Guaranteed Auto Protection, and is usually included in the leasing contract. If your leasing company is called BMW Financial Services, Chrysler Financial or any other finance division of an automaker, then chances areyour GAP insurance will be offered by the same lease company.
You are under no obligation to accept GAP insurance included as part of your lease agreement. Why pay an insurance premium if you could get the same coverage for a lower price? Invest some time shopping by comparing quotes from other insurance companies, including your existing one. Ask for discounts that you already qualify for and adjust your coverage accordingly.
Go here for information on easy Lease Financing? You can visit: Leasing
When leasing a car, it’s easier to stick with the same company for yourauto insurance. What you don’t know, however, is that you may end up paying too much for your coverage and it’s better to look elsewhere for lower rates.
When you lease, the vehicle that you will drive belongs to the leasing company. They want to make sure that their investment is covered in the event the vehicle gets damaged, totalled or stolen. They typically want to get covered for the difference between what your auto-insurer pays andyour outstanding leasing obligations at the time of the accident or damage. This is called GAP, short for Guaranteed Auto Protection, and is usually included in the leasing contract. If your leasing company is called BMW Financial Services, Chrysler Financial or any other finance division of an automaker, then chances areyour GAP insurance will be offered by the same lease company.
You are under no obligation to accept GAP insurance included as part of your lease agreement. Why pay an insurance premium if you could get the same coverage for a lower price? Invest some time shopping by comparing quotes from other insurance companies, including your existing one. Ask for discounts that you already qualify for and adjust your coverage accordingly.
Go here for information on easy Lease Financing? You can visit: Leasing
Bad Credit Auto Loans - Are You Ready To Take The Leap?
by Donald Sweettree
Bad credit auto loans can be the answer to your prayers when you want to buy a car. Lousy credit can stand in the way of a lot of things and buying a car is one of them. But with the right kind of loan, you can get yourself behind the wheel sooner than you think. The tricky part is finding the right kind of loan.
Big, Bad Credit
A bad credit rating can be a difficult thing to deal with. Not only is it embarrassing, it makes the process of getting loans a lot tougher. Most lenders are wary of giving loans to people with weak credit and if they do, it's often at exorbitant interest rates. But there is a way to get financial assistance even if your credit is bad.
Before even looking into bad credit auto loans, you need to be aware of the scenario. Loans are available for people with bad credit but the terms will be different. Make sure that you are in a position to meet these kinds of terms. If you already have bad credit and are paying off debts, make sure you can handle the payments for a car loan as well. It's a good idea to become familiar with how loans work so you'll be able to discuss the particulars with potential lenders. When a lender sees that you are knowledgeable and serious about your loan proposition, they will probably view your case more positively.
Work Harder
The bottom line is that people with bad credit need to work a little harder to get good bad credit auto loans. Remember that having a bad credit rating does not mean you have to go with the first lender that comes your way - in fact, you should be extra-careful about the lender you choose to work with. Make sure that the lender is reputed and legitimate and do not commit to anything until you are perfectly satisfied with the way they operate.
Interact with your lender in a positive manner. Most lenders will be open to negotiating payment terms and might even extend your term. Take a copy of your credit report with you and if your credit rating was due to circumstances beyond your control, then say so. A lender could be more understanding if they see your bad credit was brought on by a medical emergency or a death in the family. All these factors can help you get favorable bad credit auto loans.
Last but definitely not least, be realistic. Just because you're going to buy a car doesn't mean that you need to start looking at Ferrari models. If you have poor credit, it makes far more sense to invest in a used vehicle. These are far economical and you'll probably find one that suits your needs and budget better. Do a little groundwork, be realistic and you'll find a number of promising bad credit auto loans to choose from.
Bad credit auto loans can be the answer to your prayers when you want to buy a car. Lousy credit can stand in the way of a lot of things and buying a car is one of them. But with the right kind of loan, you can get yourself behind the wheel sooner than you think. The tricky part is finding the right kind of loan.
Big, Bad Credit
A bad credit rating can be a difficult thing to deal with. Not only is it embarrassing, it makes the process of getting loans a lot tougher. Most lenders are wary of giving loans to people with weak credit and if they do, it's often at exorbitant interest rates. But there is a way to get financial assistance even if your credit is bad.
Before even looking into bad credit auto loans, you need to be aware of the scenario. Loans are available for people with bad credit but the terms will be different. Make sure that you are in a position to meet these kinds of terms. If you already have bad credit and are paying off debts, make sure you can handle the payments for a car loan as well. It's a good idea to become familiar with how loans work so you'll be able to discuss the particulars with potential lenders. When a lender sees that you are knowledgeable and serious about your loan proposition, they will probably view your case more positively.
Work Harder
The bottom line is that people with bad credit need to work a little harder to get good bad credit auto loans. Remember that having a bad credit rating does not mean you have to go with the first lender that comes your way - in fact, you should be extra-careful about the lender you choose to work with. Make sure that the lender is reputed and legitimate and do not commit to anything until you are perfectly satisfied with the way they operate.
Interact with your lender in a positive manner. Most lenders will be open to negotiating payment terms and might even extend your term. Take a copy of your credit report with you and if your credit rating was due to circumstances beyond your control, then say so. A lender could be more understanding if they see your bad credit was brought on by a medical emergency or a death in the family. All these factors can help you get favorable bad credit auto loans.
Last but definitely not least, be realistic. Just because you're going to buy a car doesn't mean that you need to start looking at Ferrari models. If you have poor credit, it makes far more sense to invest in a used vehicle. These are far economical and you'll probably find one that suits your needs and budget better. Do a little groundwork, be realistic and you'll find a number of promising bad credit auto loans to choose from.
Secured Loans: Common Questions, Answered
by Charles Landa
Secured loans can be an efficient short or long-term funding solution for UK homeowners. If you are in need of money and have equity in your property, you are eligible to apply for a secured loan. Secured loans are sometimes called “second mortgages” as they rank after your mortgage as security to the lender. Secured loans must be registered as a Charge on your property title at the Land Registry. Why seek a secured loan rather than an unsecured loan? The strong growth in UK house prices over recent years has meant that many homeowners have built up substantial equity in their properties. Secured loans are simply a flexible way for homeowners to release some of this equity. Compared with an unsecured loan, a secured loan has a lower interest rate as you are putting your home up as security. The lender will be very confident that the loan will be repaid. Another advantage is that secured loans offer more flexible terms of repayment than unsecured loans. For example, the loan term can be for a longer time period enabling your monthly repayments to be kept down. Secured loan terms can be from 3 to 25 years – it can sit alongside your mortgage if you wish or you can pay it off sooner. If you're in need of a large sum of money, a secured homeowner loan can range from £5,000 up to £1 million. Unsecured loans are normally capped at £25,000. What can I use a secured loan for? A secured loan can be used for any purpose. A secured debt consolidation loan can help you refinance expensive debt, such as credit cards or bank overdrafts, on to a much lower interest rate. A secured home loan can be used to finance substantial home improvements to add value to your property, such as an extension or a new kitchen. Why choose a homeowner loan rather than a remortgage? A mortgage is your cheapest form of borrowing and if you want to raise a significant amount of money it is therefore logical that you should first consider a remortgage. However, your current mortgage may be arranged on advantageous terms or have an onerous early redemption fee. Redeeming your mortgage may just not make financial sense. In these circumstances it may be wise to leave your mortgage alone and use the flexibility of a secured loan, especially if the interest rate is only a little higher than your mortgage rate. Finally, a secured loan can be completed in less than 20 days – somewhat faster than a remortgage – and at a lower cost. Remortgaging normally requires that you pay certain fees, such as a discharge fee, a valuation fee, a title insurance fee or an administration fee. Can I safeguard my loan or mortgage payments against unforeseen events? You can take out payment protection against specific events, such as unemployment, sickness or disability through Payment Protection Insurance (PPI). Remember that PPI is not always suitable for your individual circumstances and independent advice should always be sought before buying this product. Should the insured event take place, the policy will cover your payments for a fixed period of time, such as 12 months. You should also consider buying sufficient life assurance such that in the event of the death of the household’s main bread-winner, the loan or mortgage will be paid off by the insurance company. How can I apply for a secured loan? You have the choice of going direct to the lender or going to an intermediary, usually a finance broker. If you have shopped around and know what you want, you can apply direct to the lender via phone, internet, post or walk into their branch office. If you prefer to seek the advice of a finance broker you may benefit from their expertise in deciding what product and which lender is most suitable for you. This will be particularly true if your circumstances are unusual and you require a specialist product. It is also possible that a finance broker can find you a better deal as some products are only available through intermediaries. How long does the secured loan application process take? Depending on circumstances and personal needs, you may obtain a secured loan within 2-4 weeks. But, of course, each case is different. Normally, the consent of the first mortgage lender is required to register the secured loan on your property title and so the lender is unlikely to proceed before consent is obtained. What factors may negatively influence the secured loan application? When you apply for a loan it is normal that you will be asked to consent to a search at a Credit Reference Agency, such as Experian or Equifax. The purpose is to avoid fraud and for the lender to assess your credit worthiness. Some factors may have an adverse effect on the secured loan application, such as: - Bankruptcy or Individual Voluntary Arrangement - Low income or self-certification of income - Mortgage or rental arrears - Frequent job changes - Frequent address changes - High indebtedness - Court judgments But even with a poor credit record, you have a good chance of obtaining a secured loan providing you have plenty of equity in your property. However, you may be asked to pay a higher interest rate if your credit score is low. Is it important to seek independent, impartial advice? There are literally thousands of loan and mortgage products available. As we only tend to purchase financial products infrequently, you will not know which products are available or suitable without a serious research effort. For this reason, we believe that most people should seek independent, impartial advice, especially as mortgages and secured loans normally represent a substantial commitment. This should not cost you any more as the advisor is normally paid directly by the lender. What are the drawbacks of a secured loan? Although there are many benefits of a secured loan, there are some drawbacks that should be mentioned. In cases where a borrower fails to repay a loan, the property could be taken into possession and sold. Borrowers can also be tempted to borrow large sums for long periods without appreciating the commitment to repay a significant amount of interest, even when interest rates are low. About the Company Burtplan Personal Finance is a leading UK loan and mortgage broker. With 50 years experience, the company acts as both a lender and broker for personal loans and secured loans, and as an introducer for mortgages. Burtplan Personal Finance works with secured homeowner loan brokers who are qualified to give advice under the Consumer Credit Act and will search the market to obtain the best deals for clients. For more information, please visit http://www.burtplan.co.uk
Secured loans can be an efficient short or long-term funding solution for UK homeowners. If you are in need of money and have equity in your property, you are eligible to apply for a secured loan. Secured loans are sometimes called “second mortgages” as they rank after your mortgage as security to the lender. Secured loans must be registered as a Charge on your property title at the Land Registry. Why seek a secured loan rather than an unsecured loan? The strong growth in UK house prices over recent years has meant that many homeowners have built up substantial equity in their properties. Secured loans are simply a flexible way for homeowners to release some of this equity. Compared with an unsecured loan, a secured loan has a lower interest rate as you are putting your home up as security. The lender will be very confident that the loan will be repaid. Another advantage is that secured loans offer more flexible terms of repayment than unsecured loans. For example, the loan term can be for a longer time period enabling your monthly repayments to be kept down. Secured loan terms can be from 3 to 25 years – it can sit alongside your mortgage if you wish or you can pay it off sooner. If you're in need of a large sum of money, a secured homeowner loan can range from £5,000 up to £1 million. Unsecured loans are normally capped at £25,000. What can I use a secured loan for? A secured loan can be used for any purpose. A secured debt consolidation loan can help you refinance expensive debt, such as credit cards or bank overdrafts, on to a much lower interest rate. A secured home loan can be used to finance substantial home improvements to add value to your property, such as an extension or a new kitchen. Why choose a homeowner loan rather than a remortgage? A mortgage is your cheapest form of borrowing and if you want to raise a significant amount of money it is therefore logical that you should first consider a remortgage. However, your current mortgage may be arranged on advantageous terms or have an onerous early redemption fee. Redeeming your mortgage may just not make financial sense. In these circumstances it may be wise to leave your mortgage alone and use the flexibility of a secured loan, especially if the interest rate is only a little higher than your mortgage rate. Finally, a secured loan can be completed in less than 20 days – somewhat faster than a remortgage – and at a lower cost. Remortgaging normally requires that you pay certain fees, such as a discharge fee, a valuation fee, a title insurance fee or an administration fee. Can I safeguard my loan or mortgage payments against unforeseen events? You can take out payment protection against specific events, such as unemployment, sickness or disability through Payment Protection Insurance (PPI). Remember that PPI is not always suitable for your individual circumstances and independent advice should always be sought before buying this product. Should the insured event take place, the policy will cover your payments for a fixed period of time, such as 12 months. You should also consider buying sufficient life assurance such that in the event of the death of the household’s main bread-winner, the loan or mortgage will be paid off by the insurance company. How can I apply for a secured loan? You have the choice of going direct to the lender or going to an intermediary, usually a finance broker. If you have shopped around and know what you want, you can apply direct to the lender via phone, internet, post or walk into their branch office. If you prefer to seek the advice of a finance broker you may benefit from their expertise in deciding what product and which lender is most suitable for you. This will be particularly true if your circumstances are unusual and you require a specialist product. It is also possible that a finance broker can find you a better deal as some products are only available through intermediaries. How long does the secured loan application process take? Depending on circumstances and personal needs, you may obtain a secured loan within 2-4 weeks. But, of course, each case is different. Normally, the consent of the first mortgage lender is required to register the secured loan on your property title and so the lender is unlikely to proceed before consent is obtained. What factors may negatively influence the secured loan application? When you apply for a loan it is normal that you will be asked to consent to a search at a Credit Reference Agency, such as Experian or Equifax. The purpose is to avoid fraud and for the lender to assess your credit worthiness. Some factors may have an adverse effect on the secured loan application, such as: - Bankruptcy or Individual Voluntary Arrangement - Low income or self-certification of income - Mortgage or rental arrears - Frequent job changes - Frequent address changes - High indebtedness - Court judgments But even with a poor credit record, you have a good chance of obtaining a secured loan providing you have plenty of equity in your property. However, you may be asked to pay a higher interest rate if your credit score is low. Is it important to seek independent, impartial advice? There are literally thousands of loan and mortgage products available. As we only tend to purchase financial products infrequently, you will not know which products are available or suitable without a serious research effort. For this reason, we believe that most people should seek independent, impartial advice, especially as mortgages and secured loans normally represent a substantial commitment. This should not cost you any more as the advisor is normally paid directly by the lender. What are the drawbacks of a secured loan? Although there are many benefits of a secured loan, there are some drawbacks that should be mentioned. In cases where a borrower fails to repay a loan, the property could be taken into possession and sold. Borrowers can also be tempted to borrow large sums for long periods without appreciating the commitment to repay a significant amount of interest, even when interest rates are low. About the Company Burtplan Personal Finance is a leading UK loan and mortgage broker. With 50 years experience, the company acts as both a lender and broker for personal loans and secured loans, and as an introducer for mortgages. Burtplan Personal Finance works with secured homeowner loan brokers who are qualified to give advice under the Consumer Credit Act and will search the market to obtain the best deals for clients. For more information, please visit http://www.burtplan.co.uk
Consider Taking Critical Illness Insurance With A Specialist
by Jason Hulott
Critical illness cover is becoming increasingly popular with the modern technology and medicine of today, which means that more and more people are now surviving a critical illness. If you have life policy it can greatly help to relieve financial stress at a time when all you need to be worrying about is getting fit and well and back on your feet.
Critical illness insurance can be taken out for a wide range of illnesses which would leave you seriously ill or disabled. Some of the most common illnesses include cancer, stroke, heart attack or kidney failure and are defined in the terms and conditions of the policy so it is essential you read the small print.
The money you would receive from a policy once the waiting period had passed would be tax free and would be a lump sum payout.
Although the terms and conditions can vary in a policy one of the most important conditions you have to meet is that you would usually have to live for at least 30 days after being diagnosed with the illness before the cover would payout.
While a policy covers a lot of different conditions there are exclusions and these too can be found in the small print, for example not all types of cancer sufferers would be eligible to claim.
If you should be diagnosed as having a critical illness you do not want the additional stress of having to find the money to live comfortably while you were recovering. A critical illness is defined as a stroke, heart attack, cancer or suffering from kidney failure but there are up to 30 others and you have to check the small print of a policy.
About the Author
Jason Hulott is Editor of Protection Insurance, please drop by for Cheap Car Insurance, Critical Illness Insurance and UK Life Cover.
Critical illness cover is becoming increasingly popular with the modern technology and medicine of today, which means that more and more people are now surviving a critical illness. If you have life policy it can greatly help to relieve financial stress at a time when all you need to be worrying about is getting fit and well and back on your feet.
Critical illness insurance can be taken out for a wide range of illnesses which would leave you seriously ill or disabled. Some of the most common illnesses include cancer, stroke, heart attack or kidney failure and are defined in the terms and conditions of the policy so it is essential you read the small print.
The money you would receive from a policy once the waiting period had passed would be tax free and would be a lump sum payout.
Although the terms and conditions can vary in a policy one of the most important conditions you have to meet is that you would usually have to live for at least 30 days after being diagnosed with the illness before the cover would payout.
While a policy covers a lot of different conditions there are exclusions and these too can be found in the small print, for example not all types of cancer sufferers would be eligible to claim.
If you should be diagnosed as having a critical illness you do not want the additional stress of having to find the money to live comfortably while you were recovering. A critical illness is defined as a stroke, heart attack, cancer or suffering from kidney failure but there are up to 30 others and you have to check the small print of a policy.
About the Author
Jason Hulott is Editor of Protection Insurance, please drop by for Cheap Car Insurance, Critical Illness Insurance and UK Life Cover.
"Giving Up" vs. "Failure" In Internet Marketing
by Michelle Tukachinsky
I never really liked the word "failure". The word "failure".. plain and simple denotes failure. There is nothing that sounds nice about the word "failure". It is not an attractive word and when we hear it, there is not much we can say to refute its' implications. It is said that 95 percent of online internet businesses will fail. Ironically, I had heard this statistic after I purchased both of my home based businesses. It did not give me a very hopeful feeling to say the least, and I actually questioned what I had actually gotten myself into. I always wondered if these statistics were cited to sell programs and products. Negative advertising does work, because people are actually driven by fear. These statistics can also be a catalyst for the online internet newbie to give up prematurely before actually giving his or her program a chance to be successful. Does "giving up" imply failure or does "giving up" have its' own meaning unto itself. "Giving up" is definitely related to failure in every sense of the word. I myself, however, would like to change the statistic above to this. " A large percentage of the 95 percent online internet marketing failure rate is a result of "giving up" prematurely, before giving their program a chance to work". I truly believe that many of us would not give up so fast if we had program sponsors that actually tried to help us get started after they took are money with their "sincere" sales pitch. I have not had the greatest experience myself in this area myself, and I did struggle quite a bit at first. I truly believe in the idea of online business coaching to help the newbie internet marketer get started as it will stop these "failures" before it is too late. Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.keys-to-prosperity.com http://www.onlinebusinesscoach.org
I never really liked the word "failure". The word "failure".. plain and simple denotes failure. There is nothing that sounds nice about the word "failure". It is not an attractive word and when we hear it, there is not much we can say to refute its' implications. It is said that 95 percent of online internet businesses will fail. Ironically, I had heard this statistic after I purchased both of my home based businesses. It did not give me a very hopeful feeling to say the least, and I actually questioned what I had actually gotten myself into. I always wondered if these statistics were cited to sell programs and products. Negative advertising does work, because people are actually driven by fear. These statistics can also be a catalyst for the online internet newbie to give up prematurely before actually giving his or her program a chance to be successful. Does "giving up" imply failure or does "giving up" have its' own meaning unto itself. "Giving up" is definitely related to failure in every sense of the word. I myself, however, would like to change the statistic above to this. " A large percentage of the 95 percent online internet marketing failure rate is a result of "giving up" prematurely, before giving their program a chance to work". I truly believe that many of us would not give up so fast if we had program sponsors that actually tried to help us get started after they took are money with their "sincere" sales pitch. I have not had the greatest experience myself in this area myself, and I did struggle quite a bit at first. I truly believe in the idea of online business coaching to help the newbie internet marketer get started as it will stop these "failures" before it is too late. Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.keys-to-prosperity.com http://www.onlinebusinesscoach.org
The Best Way To Find Low Cost Insurance Is Online
by Jason Hulott
Low cost insurance can be found with a specialist website and they can get you several quotes so you are able to take your time and look over them. There are many different types of insurance suitable for all occasions from insuring your life against death and giving your loved ones financial security to making sure you would be able to continue paying your mortgage if you were to lose your job with mortgage insurance.
Whichever type of insurance cover you want to take there will be terms and conditions and even exclusions in the policy which could mean additional costs or reasons which could stop you from making a claim on the insurance cover. You have to be very careful when it comes to payment protection as there are many exclusions in a policy so it is essential you do go over the policy with a fine tooth comb.
A specialist will be able to search the whole of the insurance marketplace for the lowest quotes for the type of cover you wish to take so that you can be assured you have got the best deal but they will need some information from you.
For example if you want home contents insurance you will have to carefully work out how much cover you wish to take as the repayments for the cover will reflect this.
However you do not want to be under insured, you should count everything in your home including clothing, electrical equipment and any other item of value you would need to replace.
The ranges of insurance cover policies are huge, you can take out an insurance policy to give your family financial security if you were to die, insure your pet or your income with payment protection. Whichever type of cover you are looking for you can get cheap insurance by going with a specialist website for your quotes.
Jason Hulott is Editor of Protection Insurance, please drop by for Cheap Car Insurance,Motor Insurance and UK Car Insurance. Visit http://www.protection-insurance.com
Low cost insurance can be found with a specialist website and they can get you several quotes so you are able to take your time and look over them. There are many different types of insurance suitable for all occasions from insuring your life against death and giving your loved ones financial security to making sure you would be able to continue paying your mortgage if you were to lose your job with mortgage insurance.
Whichever type of insurance cover you want to take there will be terms and conditions and even exclusions in the policy which could mean additional costs or reasons which could stop you from making a claim on the insurance cover. You have to be very careful when it comes to payment protection as there are many exclusions in a policy so it is essential you do go over the policy with a fine tooth comb.
A specialist will be able to search the whole of the insurance marketplace for the lowest quotes for the type of cover you wish to take so that you can be assured you have got the best deal but they will need some information from you.
For example if you want home contents insurance you will have to carefully work out how much cover you wish to take as the repayments for the cover will reflect this.
However you do not want to be under insured, you should count everything in your home including clothing, electrical equipment and any other item of value you would need to replace.
The ranges of insurance cover policies are huge, you can take out an insurance policy to give your family financial security if you were to die, insure your pet or your income with payment protection. Whichever type of cover you are looking for you can get cheap insurance by going with a specialist website for your quotes.
Jason Hulott is Editor of Protection Insurance, please drop by for Cheap Car Insurance,Motor Insurance and UK Car Insurance. Visit http://www.protection-insurance.com
Feeling Very Discouraged In My Online Home Based Business
by Michelle Tukachinsky
Usually I write an article when I have a strong need to express my thoughts and feelings. Today is actually one of those days. I am feeling a little bit burnt out today in this very competitive, challenging, but exciting business. This is actually a day that I feel like "throwing in the towel" and walking away from this business forever. I am tired of posting so many ads, answering emails, and deleting junk mail. I am tired of talking to tire kickers who really never had any intention of getting involved in a home based business. I am just plain tired. I have been in my online internet marketing business for approximately 6 weeks now. I call myself an experienced newbie... since this is wnat I am. My learning curve is very high and very strong because of the time I spent researching, reading, posting, and writing in my online business. I have learned so much... and yet so little in a short time. I say this because there is SO much to learn in online internet marketing. This may actually be part of the reason why I feel discouraged right now. There is so much information that we have to take in, process, and explore and there is just not enough time in the day to do all of these things. Now when I say I feel like "giving up" I do not mean that I "will give up". I have to acknowledge these feelings strongly and take the feelings very seriously as well. My mind and body are telling me that I need to TAKE A BREAK! If I do not take a break I will become severely burnt out.. and may actually give this up for good. I do not want to do that because I have invested so much time, money, and creativity. I also actually enjoy this profession when I am not doing it ALL THE TIME. When I mention "ALL THE TIME" I actually mean that when I am not teaching piano (that is my day job) I am actually on the computer working in my online business. I had written a previous article about my life getting out of balance since I began to work from home in this internet business. It is still out of balance and it does have to change. My eating habits have improved, however, my exercise program is just awful. If I could give any advice to any internet marketer (experienced or newbie) it would be to walk away and take a very long break. I am going away for two days tomorrow and I will not bring my computer. I will practice what I preach and I know that I will come back to my online business refreshed and ready to make some awesome money online! Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.greatsalesjob.info
Usually I write an article when I have a strong need to express my thoughts and feelings. Today is actually one of those days. I am feeling a little bit burnt out today in this very competitive, challenging, but exciting business. This is actually a day that I feel like "throwing in the towel" and walking away from this business forever. I am tired of posting so many ads, answering emails, and deleting junk mail. I am tired of talking to tire kickers who really never had any intention of getting involved in a home based business. I am just plain tired. I have been in my online internet marketing business for approximately 6 weeks now. I call myself an experienced newbie... since this is wnat I am. My learning curve is very high and very strong because of the time I spent researching, reading, posting, and writing in my online business. I have learned so much... and yet so little in a short time. I say this because there is SO much to learn in online internet marketing. This may actually be part of the reason why I feel discouraged right now. There is so much information that we have to take in, process, and explore and there is just not enough time in the day to do all of these things. Now when I say I feel like "giving up" I do not mean that I "will give up". I have to acknowledge these feelings strongly and take the feelings very seriously as well. My mind and body are telling me that I need to TAKE A BREAK! If I do not take a break I will become severely burnt out.. and may actually give this up for good. I do not want to do that because I have invested so much time, money, and creativity. I also actually enjoy this profession when I am not doing it ALL THE TIME. When I mention "ALL THE TIME" I actually mean that when I am not teaching piano (that is my day job) I am actually on the computer working in my online business. I had written a previous article about my life getting out of balance since I began to work from home in this internet business. It is still out of balance and it does have to change. My eating habits have improved, however, my exercise program is just awful. If I could give any advice to any internet marketer (experienced or newbie) it would be to walk away and take a very long break. I am going away for two days tomorrow and I will not bring my computer. I will practice what I preach and I know that I will come back to my online business refreshed and ready to make some awesome money online! Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.greatsalesjob.info
Six Questions on Credit Card Application
by Susan Rumbo
Today the choice of credit cards is so wide that choosing only one can be really challenging. The one deal, appropriate for you, can differ a lot from the rest. We would like to offer you six questions which will help you to determine the right credit deal to save your money.
Are you a student?
If you are a high school or a college student, you may apply for a student credit card. Most probably your credit card application will be approved, no matter what your credit score is. However, you'd better contact the issuing bank for the information before applying.
Do you need to transfer your balance from one card to another?
If you do, you should search for a special balance transfer card. These cards offer lower APR (Annual Percentage Rate is the total cost of your loan expressed as interest rate) for balance transfers. Credit cards with low APR on balance transfers are a great idea, although they are a good base for fraudsters. Are you going to make large purchases?
You are a shopping lover, so you will like the deals with low APR on purchases. If you really intend to make large purchases, you will love to get bonus points for these purchases. By the way, consider the grace period, which is different for every card. Grace period is a period during which you can pay off your debt without any extra charges, or you do not have to pay at all, if you can't. Usually grace period lasts for 10-28 days.
Do you pay off your debt in full every month?
If you have enough money or your credit card is only for an emergency, you can pay off a bill in full every time you get it. In this case, chose the deals with introductory zero APR or grace period. You will be able to pay off your balance and not to worry about rates. Do you mind to pay fees?
Very often the issuers charge various fees. And sometimes they can be really high. There are enough of them: annual fees, cash advance fees, balance transfer fees, foreign exchange fees, setup fees, penalty fees... Of course, not all of them are charged, but some (for example, cash advance fee) are charged always. Moreover, some issuers can charge a fee no matter whether you use your plastic or not.
Do you require a good Customer Service?
Sometimes this can be quite an important issue. In some cases, for example, in case of loss of your card or if there is any charge you would like to dispute, etc. you may need such a service. By the way, you probably need a friendly and competent service. So, search for the right bank with great reputation and with really helpful customer service.
Today the choice of credit cards is so wide that choosing only one can be really challenging. The one deal, appropriate for you, can differ a lot from the rest. We would like to offer you six questions which will help you to determine the right credit deal to save your money.
Are you a student?
If you are a high school or a college student, you may apply for a student credit card. Most probably your credit card application will be approved, no matter what your credit score is. However, you'd better contact the issuing bank for the information before applying.
Do you need to transfer your balance from one card to another?
If you do, you should search for a special balance transfer card. These cards offer lower APR (Annual Percentage Rate is the total cost of your loan expressed as interest rate) for balance transfers. Credit cards with low APR on balance transfers are a great idea, although they are a good base for fraudsters. Are you going to make large purchases?
You are a shopping lover, so you will like the deals with low APR on purchases. If you really intend to make large purchases, you will love to get bonus points for these purchases. By the way, consider the grace period, which is different for every card. Grace period is a period during which you can pay off your debt without any extra charges, or you do not have to pay at all, if you can't. Usually grace period lasts for 10-28 days.
Do you pay off your debt in full every month?
If you have enough money or your credit card is only for an emergency, you can pay off a bill in full every time you get it. In this case, chose the deals with introductory zero APR or grace period. You will be able to pay off your balance and not to worry about rates. Do you mind to pay fees?
Very often the issuers charge various fees. And sometimes they can be really high. There are enough of them: annual fees, cash advance fees, balance transfer fees, foreign exchange fees, setup fees, penalty fees... Of course, not all of them are charged, but some (for example, cash advance fee) are charged always. Moreover, some issuers can charge a fee no matter whether you use your plastic or not.
Do you require a good Customer Service?
Sometimes this can be quite an important issue. In some cases, for example, in case of loss of your card or if there is any charge you would like to dispute, etc. you may need such a service. By the way, you probably need a friendly and competent service. So, search for the right bank with great reputation and with really helpful customer service.
The Effort Required To Succeed In Your Online Home Based Business
by Michelle Tukachinsky
The Effort Required To Succeed In Your Online Home Based Business The statistics are actually very ugly. It has been reported that up to 98 percent of online home-based businesses actually fail. I personally think that this statistic is over-inflated because I do not think that these statistics actually suggest failure. I think that people in home-based online and "work at home business" "fail" because these people give up before giving the business a chance. Some of these reasons have to do with the fact that running a home based online business is extremely difficult. There is also a lot of competition in cyberspace and many people in this business have ABSOLUTELY NO IDEA HOW TO MARKET their business. Running a home based business is extremely difficult. It requires tremendous work and dedication. It is my belief that when you begin an online home-based business you must spend several hours a day working online. You must find the proper places to advertise, must write articles and blogs, and do whatever it takes to get other people to find out about their business. If you do not do this, there is no way that you will be able to make any substantial money online. The competition in cyberspace is also very fierce. Although this can be intimidating, please do not get discouraged. If you are selling a good, valuable, decent, legitimate product or service (not a scam), you will find people who want to do business with you. Several thousands of people join home based businesses daily and these people would LOVE to earn money online. Please do not despair in regards to this issue. You will make money if you DO NOT GIVE UP. Lastly, you may be totally oblivious to the fact that you must LEARN how to market you product or service properly. Read and research the effective ways to market since this changes almost weekly. Also, remember that it takes several weeks to get indexed in the search engines, so PLEASE be patient. Do not give up in your online business endeavor. You will not be a statistic if you stay patient, stay the course, and PUT YOUR TIME AND EFFORTs INTO LEARNING YOUR BUSINESS! GOOD LUCK WITH YOUR SUCCESS! Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.greatsalesjob.info
The Effort Required To Succeed In Your Online Home Based Business The statistics are actually very ugly. It has been reported that up to 98 percent of online home-based businesses actually fail. I personally think that this statistic is over-inflated because I do not think that these statistics actually suggest failure. I think that people in home-based online and "work at home business" "fail" because these people give up before giving the business a chance. Some of these reasons have to do with the fact that running a home based online business is extremely difficult. There is also a lot of competition in cyberspace and many people in this business have ABSOLUTELY NO IDEA HOW TO MARKET their business. Running a home based business is extremely difficult. It requires tremendous work and dedication. It is my belief that when you begin an online home-based business you must spend several hours a day working online. You must find the proper places to advertise, must write articles and blogs, and do whatever it takes to get other people to find out about their business. If you do not do this, there is no way that you will be able to make any substantial money online. The competition in cyberspace is also very fierce. Although this can be intimidating, please do not get discouraged. If you are selling a good, valuable, decent, legitimate product or service (not a scam), you will find people who want to do business with you. Several thousands of people join home based businesses daily and these people would LOVE to earn money online. Please do not despair in regards to this issue. You will make money if you DO NOT GIVE UP. Lastly, you may be totally oblivious to the fact that you must LEARN how to market you product or service properly. Read and research the effective ways to market since this changes almost weekly. Also, remember that it takes several weeks to get indexed in the search engines, so PLEASE be patient. Do not give up in your online business endeavor. You will not be a statistic if you stay patient, stay the course, and PUT YOUR TIME AND EFFORTs INTO LEARNING YOUR BUSINESS! GOOD LUCK WITH YOUR SUCCESS! Michelle Tukachinsky http://www.mtmarketing.biz http://www.moneyvideo.net http://www.greatsalesjob.info
Kingdom Finances for Kingdom Building - Review
by Angela Watkins
Kingdom Finances for Kingdom building was birthed in Royal Life International Ministries in 2005. It began as a seven-week financial empowerment course, as a result of the people of God crying out for help with their finances. It is funny how God will use the very thing that you struggle with and turn it around to bless you. The author (manuscript and one day she plans to publish this as a book) shares it was if God was warning her, "The days of Joseph shall come again. There will be seven years of prosperity, which is the season to save and store up for the seven years of famine." The most amazing story the author (native born in Tennessee) have to share is when her local church paid off a three million dollar ($3,000,000) mortgage in three years. When she first began to establish a relationship with Jesus; there were things in her life that she knew she could no longer hold onto, like cursing. She asked the Lord to give her a scripture that dealt with cursing. Well, she opened her Bible and it fell on Chapter 3, "Taming the Tongue." She was amazed because God had answered her prayer. The Lord quickly reminded her of a song she love on the Shekinah Glory Live CD by Kingdom Valley Ministries. She shares by the way if you are a fan of worship music, and want to go to the next dimension of God, this would be the CD to get. She began to pay tithes and she saw God do some crazy, unattainable things with her finances. She always live beyond what she make. She shares "Kingdom economy does not work like the world's economy." The world tells you two plus two equals four, but the Kingdom might say two plus two equals a hundredfold or a thousand. What works for someone else might not work for you. God may have told them to clean out the closet to get a promotion, but HE might tell you rack the yard. She was watching Bishop Eddie Long on TV. During the service a young lady laid her credit cards at the altar. Bishop Long, asked, "Who laid the cards at the altar?" When the girl came forth, He paid the entire balance to get her out of debt. Many people were freed from debt because Bishop followed the Spirit and because others, who could help, sowed to release others into financial freedom. The author was the saver and her brother was the spender. Whatever he wanted, he bought it. When he didn't have enough money, he would borrow it or find some other means to getting what he wanted. He would talk her into helping him. If she would have had a financial vision, she would be telling a different story. Write the Vision (Hab. 2:2-4) One thing she knows when her Pastor gets a vision in his heart, nothing can stop him from fulfilling it. On Friday, March 31, 2006 the vision was fulfilled. The Antioch location was paid in full. And they celebrated. This experience changed her life in a way that is immeasurable because it changed her perception and thinking about her financial situation. She said to herself, "If her church can pay a three million dollar debt in three years, then she can pay off her debt too. She asked the Lord to help her with her finances. She had about fourteen thousand dollars ($14,000) in student loan debt and six thousand dollars ($6,000) in credit card debt. She started with the student loan debt because two of the loans were in her mother's name and the other two loans in her name. When she feels discouraged about not having the funds-money she wants, her motto is Philippians 4:19. God gives us blessings according to our ability to handle them. When we look at Matthew 25:15, we see after the man left, the one with five talents knew exactly what to do with the talets he had been given. The amazing thing about the servant with the two talents is he did not complain about receiving two talents. God is no respector of persons, what HE does for one, HE will do for another. They both reaped the same reward by following the principles of God and doing what they knew how to do. Your relationship with Jesus Christ is very important. It is through HIS Word, praying, communion and just plain talking to HIM that you will come to know what HE likes and dislikes. Don't Block Your Blessings .... Malachi 3:10 Would you want to be in a relationship where the person does not ever put you first, but the focus is always about them? She says the answer is "No." Then why do we do God this way? God's Word tells us if you want to know where a man's heart is, look and see where he puts his treasure. His treasure is his money. The Lord tells us, "HE will bless us in all the work of our hands that we do when we take care of HIS servants and people (Deuteronomy 14:29). You Reap What You Sow .... Haggai 1:5-6 One of the most miraculous time of worship in the church has become one of the most depressing times in the church, offering time. Why? Because we are in financial bondage. The Ant Mentality ... Proverbs 6:8 Who would have thought a little old ant could teach us a financial lesson about storing up provision in the summer to gather food at harvest? She shares she don't care if you only have two extra dollars, use it to get out of debt and find a way to save something. She shares she has seen God do things with her finances that she had never seen before. What is impossible with men is possible with God. Work the vision because faith without works is dead. If God has told you to give something, and the leaders do something crazy with the money, they will be accountable to God. HE will handle them. You just do what you are commanded to do. One thing the author wants to make clear is we do not do anything for the Lord to reap HIS blessings. She shares she have honestly seen God's miraculous work in her finances. It seemed like water turned into wine. Based upon the author's budget, she will officially become debt free February 2008, and she praise the Lord in advance. Call unto HIM for HE will tell you great and mighty things that you do not know, but you have to trust HIM, believe HIM and rest in HIM. Isaiah 59:19 says, "When the enemy rises up against you, like a flood God will lift up a standard against him, "Like a flood, God gave the author a determination to get this manuscript - book done. It was by any means necessary, whether it meant she had to write it by hand, or go out and buy another computer in the midst of trying to get out of debt. Kellie Morgan of Tennessee is the author of this manuscript which she plans to publish as a book. She attends church with one of my cousins, Sharon. (My cousin and me as little girls use to play together and her grandmother and my grandmother were sisters which are both are deceased) Angela Watkins, http://www.e-angelaswidsom.com , Book Reviewer, Public Relations, Mgmt, Consulting, Christian Life Coach - Biblical Coaching
Kingdom Finances for Kingdom building was birthed in Royal Life International Ministries in 2005. It began as a seven-week financial empowerment course, as a result of the people of God crying out for help with their finances. It is funny how God will use the very thing that you struggle with and turn it around to bless you. The author (manuscript and one day she plans to publish this as a book) shares it was if God was warning her, "The days of Joseph shall come again. There will be seven years of prosperity, which is the season to save and store up for the seven years of famine." The most amazing story the author (native born in Tennessee) have to share is when her local church paid off a three million dollar ($3,000,000) mortgage in three years. When she first began to establish a relationship with Jesus; there were things in her life that she knew she could no longer hold onto, like cursing. She asked the Lord to give her a scripture that dealt with cursing. Well, she opened her Bible and it fell on Chapter 3, "Taming the Tongue." She was amazed because God had answered her prayer. The Lord quickly reminded her of a song she love on the Shekinah Glory Live CD by Kingdom Valley Ministries. She shares by the way if you are a fan of worship music, and want to go to the next dimension of God, this would be the CD to get. She began to pay tithes and she saw God do some crazy, unattainable things with her finances. She always live beyond what she make. She shares "Kingdom economy does not work like the world's economy." The world tells you two plus two equals four, but the Kingdom might say two plus two equals a hundredfold or a thousand. What works for someone else might not work for you. God may have told them to clean out the closet to get a promotion, but HE might tell you rack the yard. She was watching Bishop Eddie Long on TV. During the service a young lady laid her credit cards at the altar. Bishop Long, asked, "Who laid the cards at the altar?" When the girl came forth, He paid the entire balance to get her out of debt. Many people were freed from debt because Bishop followed the Spirit and because others, who could help, sowed to release others into financial freedom. The author was the saver and her brother was the spender. Whatever he wanted, he bought it. When he didn't have enough money, he would borrow it or find some other means to getting what he wanted. He would talk her into helping him. If she would have had a financial vision, she would be telling a different story. Write the Vision (Hab. 2:2-4) One thing she knows when her Pastor gets a vision in his heart, nothing can stop him from fulfilling it. On Friday, March 31, 2006 the vision was fulfilled. The Antioch location was paid in full. And they celebrated. This experience changed her life in a way that is immeasurable because it changed her perception and thinking about her financial situation. She said to herself, "If her church can pay a three million dollar debt in three years, then she can pay off her debt too. She asked the Lord to help her with her finances. She had about fourteen thousand dollars ($14,000) in student loan debt and six thousand dollars ($6,000) in credit card debt. She started with the student loan debt because two of the loans were in her mother's name and the other two loans in her name. When she feels discouraged about not having the funds-money she wants, her motto is Philippians 4:19. God gives us blessings according to our ability to handle them. When we look at Matthew 25:15, we see after the man left, the one with five talents knew exactly what to do with the talets he had been given. The amazing thing about the servant with the two talents is he did not complain about receiving two talents. God is no respector of persons, what HE does for one, HE will do for another. They both reaped the same reward by following the principles of God and doing what they knew how to do. Your relationship with Jesus Christ is very important. It is through HIS Word, praying, communion and just plain talking to HIM that you will come to know what HE likes and dislikes. Don't Block Your Blessings .... Malachi 3:10 Would you want to be in a relationship where the person does not ever put you first, but the focus is always about them? She says the answer is "No." Then why do we do God this way? God's Word tells us if you want to know where a man's heart is, look and see where he puts his treasure. His treasure is his money. The Lord tells us, "HE will bless us in all the work of our hands that we do when we take care of HIS servants and people (Deuteronomy 14:29). You Reap What You Sow .... Haggai 1:5-6 One of the most miraculous time of worship in the church has become one of the most depressing times in the church, offering time. Why? Because we are in financial bondage. The Ant Mentality ... Proverbs 6:8 Who would have thought a little old ant could teach us a financial lesson about storing up provision in the summer to gather food at harvest? She shares she don't care if you only have two extra dollars, use it to get out of debt and find a way to save something. She shares she has seen God do things with her finances that she had never seen before. What is impossible with men is possible with God. Work the vision because faith without works is dead. If God has told you to give something, and the leaders do something crazy with the money, they will be accountable to God. HE will handle them. You just do what you are commanded to do. One thing the author wants to make clear is we do not do anything for the Lord to reap HIS blessings. She shares she have honestly seen God's miraculous work in her finances. It seemed like water turned into wine. Based upon the author's budget, she will officially become debt free February 2008, and she praise the Lord in advance. Call unto HIM for HE will tell you great and mighty things that you do not know, but you have to trust HIM, believe HIM and rest in HIM. Isaiah 59:19 says, "When the enemy rises up against you, like a flood God will lift up a standard against him, "Like a flood, God gave the author a determination to get this manuscript - book done. It was by any means necessary, whether it meant she had to write it by hand, or go out and buy another computer in the midst of trying to get out of debt. Kellie Morgan of Tennessee is the author of this manuscript which she plans to publish as a book. She attends church with one of my cousins, Sharon. (My cousin and me as little girls use to play together and her grandmother and my grandmother were sisters which are both are deceased) Angela Watkins, http://www.e-angelaswidsom.com , Book Reviewer, Public Relations, Mgmt, Consulting, Christian Life Coach - Biblical Coaching
When You Have To Defend Your Online Business
by Michelle Tukachinsky
I try to write an article at least 3-4 times per week on how I feel about running my own home based business. As a very experienced new internet marketing professional, I feel a range of emotions each day that I work from home. Today was a day that I felt very bad. I actually was called about a sales position that I was offering and I was not called by the person applying for the job. I was called by her husband, stating that his wife was suspicious about my business and that she wanted him to call on her behalf. The range of emotions that I felt at the time were anger, shock, confusion, and sadness. Has the reputation of online home based buisness become so bad that it has come to this? I really do not believe so, even though there are many problems and concerns that we all are facing as we run an online business. I do think that this was an isolated incident. Although people are somewhat skeptical about home based business, work from home, and make-money online programs,I do not think that it has turned to extreme panic and distrust. However, we do have to be aware that there are a lot of scams and schemes in cyberspace that do give the good ones a bad name. This is actually a shame, because many good businesses are now having to defend their good name because of the unethical practices that many online businesses have. I am hoping that in time, there will be more policing of these scams, schemes, and internet robbery. I do hope that it does not have to get worse before it gets better. Michelle Tukachinsky http://www.mtmarketing.biz http://www.jaguarmt.com http://www.moneyvideo.net
I try to write an article at least 3-4 times per week on how I feel about running my own home based business. As a very experienced new internet marketing professional, I feel a range of emotions each day that I work from home. Today was a day that I felt very bad. I actually was called about a sales position that I was offering and I was not called by the person applying for the job. I was called by her husband, stating that his wife was suspicious about my business and that she wanted him to call on her behalf. The range of emotions that I felt at the time were anger, shock, confusion, and sadness. Has the reputation of online home based buisness become so bad that it has come to this? I really do not believe so, even though there are many problems and concerns that we all are facing as we run an online business. I do think that this was an isolated incident. Although people are somewhat skeptical about home based business, work from home, and make-money online programs,I do not think that it has turned to extreme panic and distrust. However, we do have to be aware that there are a lot of scams and schemes in cyberspace that do give the good ones a bad name. This is actually a shame, because many good businesses are now having to defend their good name because of the unethical practices that many online businesses have. I am hoping that in time, there will be more policing of these scams, schemes, and internet robbery. I do hope that it does not have to get worse before it gets better. Michelle Tukachinsky http://www.mtmarketing.biz http://www.jaguarmt.com http://www.moneyvideo.net
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