Today, credit cards can be considered as a necessity rather than a luxury. Many hotels, airlines and car rental companies offer online reservations which uses the credit card payment system. Truly, credit cards provide great convenience and practicality not only in purchasing things but in paying bills as well.But what if you don't own a credit card? Some people cannot qualify for regular credit cards because of their credit history. If you...more
We specialize in meeting the demanding needs of the medical profession and youll understand what a difference individual attention makes when you talk with us. Services for Your Practice Customized Financing. We offer a variety of solutions for startups, spin-offs, expansion or income producing properties. We also provide you with construction loans, equipment loans and leases and lines of credit tailored to meet your specific needs. And,...more
As many homeowners struggle with mortgage payments that are beyond their current means, it is imperative to know the proper way to compose a loan modification hardship letter. Informing your lender of the circumstances surrounding your current economic difficulties is imperative, but it is equally important to explain to the lender the factors that make you a good candidate for loan modification. The best way to accomplish this is with a concise, descriptive letter that expresses three essential elements. The following outline is a good place to start. Following the outline will help you to organize your thoughts in a logical way and will make sure that you cover all of the most important information. Your goal is to not only gain the understanding of your lender, but also to help secure the lender's cooperation in assisting you. First, explain your financial difficulties and hardships. Your lender needs to know the circumstances that have led to your current situation. Explain to your lender if you've lost a job or if something else has occurred to reduce your income. Similarly, explain if the hardship has resulted from a medical issue or from a change in interest rates. The...more
Do you wonder why you would need the Driver Robot at all? With all the various types of programs and features our computers can use, having the right updated driver on our system is a must. All computers have hardware and software that need to work together to make it a cohesive working machine. The problem is not every driver is...more
In one word, yes, in our opinion Asolo hiking boots are today the best hiking boots money can buy. Asolo has been in the business for over thirty years now, and have been the industry leader for many of those years. Asolo boots are known for their light weight, which is imperative when hiking and carrying a heavy backpack. Asolo's are...more
Markets move for real reasons, not because of technical whirling dervishes. Things happen in life because there are consequences to actions. Charts do not move the markets. Markets move the charts. In keeping with that, I also think short-term swings occur because of some external factor. Price never rallies because it is rallying; the rally is the symptom of a cause. Detect that cause and we are several light years ahead of the average short-term or day trader.One of my favorite causative indicators is my Will-Spread index, a measure of the flow of price between the primary market we are trading and a secondary market that influences the primary. As you know, Bonds influence stocks, and Gold influences Bonds; Will-Spread allows us to spot the inner workings of these market relationships. The index is constructed or calculated by first dividing the price of the market we are trading, the primary market, by the secondary market and multiplying by 100. This creates a spread between the two markets allowing a basic comparison of market interaction.For short-term trading on 15-minute bar charts in particular, and most other time frames as well, I then create a 5-period exponential of...more
When considering home improvement plans, the first thing we usually notice is how much the project will cost to complete it.When coming up with the cost, you must factor in charges, fees, taxes assessed, and the monthly payment amount. There are...more
Everywhere I turn, I see, read and hear how capitalism has destroyed the American economy. The political Left blames capitalism outright, while the political Right claims capitalism is the American ideal. The elitists in banking, government, academia...more
A protected Trust Deed is an instrument to help an individual out of an insolvency crisis. It is lesser known than the more popular IVA (Individual Voluntary Arrangement) and runs for approximately three years as opposed to the IVA's five. But many...more
Pool tables provide great enjoyment and entertainment. However, to get a nice pool table you are going to have to dish out some money for a really nice one. They can be worth the investment.Budgeting and finances are an extremely important...more
As I mentioned last week, real estate is one of my absolute favorite areas in the tax law because there is so much flexibility in how to do things to legally maximize the tax benefits available.Real estate is also one of the most complex areas of the...more
Purchasing school uniforms from a school uniform wholesaler can save money. Talk to your school to see if they are willing to buy in bulk for wholesale school uniforms. If they are not able to, see if they will allow you to organize a group purchase...more