Everywhere you turn, you hear doomsday prophecies of the U.S. economy. Some say it’s getting worse and some say it is stalling and will continue to be a plague to this country for years to come. Here is the bigger question though: what do you say? How do you view the recession? Is it the end or simply one great challenge to overcome? The recession is what you might call one massive boulder, one that has been placed in...more
Dave Ramsey's general advice to work hard, make your marriage a priority and avoid debt is excellent. In fact, any one who religiously followed Dave's suggestions would have experienced far less trouble in the recent financial crisis. In far, some people probably side-stepped the whole mess by applying Ramsey's ideas.Nevertheless, in a handful of specific areas, one can find some minor yet important faults with the financial planning advice that...more
Are you looking for supplementary source of income to make ends meet? These days who isn't? When times are tough, people tend to engage in fraudulent crimes and so on. E.g stuffing envelopes. Most have come across the advert promising that you can earn thousands of dollars every week by simply stuffing envelopes in your spare time. This sounds like a good deal to many unsuspecting people. After all, sitting in front of the TV and folding up papers into envelope while the money flows in, what's not to like, right? As it turns out, there's a lot to hate about envelope stuffing. The entire deal sounds too good to be true because in most cases, it actually is. When it comes to stuffing envelopes, you are more likely to end up having nothing to show for it than actually earning an easy paycheck. If you are contemplating taking a chance on an envelope stuffing opportunity, keep the following red flags in mind and stay alert. Your basic line of defense is to give the entire idea the old "common sense" verify. Ask yourself this simple question - why in the world would a company pay you such an outrageous amount of money to stuff envelopes? That's not a labor intensive job and...more
Nowadays, finding auto finance companies is pretty easy. Even with the economic conditions the way they are now, many organizations are in the business of lending capital to people looking for auto finance deals. However, most people prefer doing their business online since it's so fast and easy. Auto finance is no different; people...more
Oftentimes when people apply for auto finance, they end up paying back more than they had consciously realized. Sometimes the monthly installments may be so high that people just skip an installment or two in-between and finally begin defaulting. Such people almost instantly notice the fall in their credit scores and after a while...more
The word "investor" is quite a general term that means different things to different people. Dictionary.com defines an investor as "someone who commits capital in order to gain financial returns". So what does this mean in terms of real estate investing? There are three types of investors: lending, equity and hybrid (or combination). Here is a breakdown of these three types of investors.A lending investor is someone who will loan you money on a multifamily apartment deal. You will pay them an interest rate and you retain 100% ownership of the property. You will pay them back on certain terms at a certain time.An equity investor is someone who will give you the money but they want a percent ownership in the property. In return, they get a percentage of the cash flow and a percentage of the appreciation. They are going to cost you more money but they may have some other benefits such as not requiring any monthly cash flow.A Hybrid or combination investor is someone who can receive an interest rate and equity participation in the project.From the investor's point of view, whether they choose to be a lending, equity or hybrid investor depends on their investing needs. We are...more
Debt is one of the biggest concerns for the majority of families today. Most of us are thousands and thousands of dollars in debt. We often live from paycheck to paycheck, and we worry about paying our bills. In fact, many of us would not be...more
Being able to use an affirmation is something that sounds so simple at first, but most people find that they do not get the results that they want from using affirmations. You may have already heard how powerful an affirmation can be and how using...more
To financial freedom are you desperately trying to find the road? The quest for financial freedom is a grueling process dor most of us. If people think you are desperate, they'll bully you into buying their useless products - to get...more
Less than three short months ago, a new 1Step System was born with a very real potential for generating a great deal of income in a short time. Co -founders Rod Stinson and Chris Koehl have brought this opportunity to people all over the world. Many...more
HP Officejet Pro 8000 is stiff competition against modern laser printers. The Officejet Pro 8000 is a color printer that has similar features to that of the HP Color LaserJet CP2025dn. HP Officejet Pro 8000 features an automatic duplex, USB...more
Are you desperately trying to obtain financial freedom? The quest for financial freedom is a grueling process dor most of us. You need to work hard for everything and most of the time, people who think you are desperate prey on you to...more