Homeowners often become very interested in the Federal Reserve Bank system. Every time the board of directors meets, mortgage interest rates are at risk.Federal Reserve BankThe Federal Reserve System acts as the central bank of the United States. Created in 1913, the Federal Reserve sets monetary and financial policies for the financial industry and trades currency with foreign countries. The Federal Reserve also acts as the bank for the federal...more
When I became a coach six years ago, I had a dream that took me a while to admit toeven to myself. What I really wanted to do was to combine the two great passions of my lifecoaching and working with horsesbut I had no idea what that might look like. As I bravely shared my fledgling dream with others, people began to point me to other people who had the same dream. I started exploring and discovered that the field of Equine Guided Education...more
If you are interested in buying a new home or refinancing the one you are currently living in, but think that you are out of luck because you have bad credit, think again.The mortgage industry is probably larger and more diverse than you realize. You no longer have to go down the street to your local bank to get a mortgage where they only work with people with excellent credit.There are literally thousands of mortgage lenders across the United States, better known as wholesale lenders with programs specializing in lending money to people with challenged credit.These lending institutions are called wholesale lenders because they work with brokers, who in turn, find the wholesalers customers.A broker is not a lender, they council and educate you during the mortgage process from beginning to end, they also are responsible for finding a lender to accommodate your mortgage needs. Mortgage brokers have access too literally hundreds of lenders across the country. So chances are, they can find you a lender with a specific program to fit your needs. Regardless if you have poor credit or need a program that offers no money down.Keep in mind, the mortgage industry is a very competitive one,...more
Lenders label individuals with no credit history as 'high risk'. Being considered 'high risk' can be the 'kiss of death' when it comes to getting approved for unsecured loans. Why? Because unsecured personal loans require no collateral. So, the lender loaning you your money trusts you that you will make timely...more
So you enjoy making wreaths and have decided to go into business for yourself. Congratulations, that sounds like a positive idea and hopefully will be a profitable one. First, however, you will want to make your business plans so that your start up won't also be your shut down. You will want first of all to make sure of your work space. Do you...more
Credit card bills can be expensive. Sometimes they can be simply too expensive. Depending on how you use your credit cards, and how much you spend, and how disciplined and controlled you are over your own spending, you may or may not have trouble paying your credit card bills when it comes to the end of the month and the bill arrives in the mail. No matter what your situation is however, there is always one thing you will not, under any circumstances, want to see on your monthly credit card bill, and that is a credit card fee.There are different types of credit card fee and different reasons for incurring them, but the good news is that many of them can be avoided by simply following a few simple rules and keeping on top of your finances and bills. The most important way to minimise the fees you receive from your credit card company is to pay your bill on time and in full each month. Generally if you do this, you will be charged no interest of finance charges at all, and will be receiving all the benefits of a credit card and over a month of credit absolutely free. If you are one of the lucky customers who can manage to maintain your account in this way, you will be very lucky....more
Information products are one of the hottest selling items on the Internet. And for good reason. Where else can you get timely, relevant information that is exactly what you want...even at 2 am in the morning?The problem with information in books at...more
For many people, their credit card appears to be free. Apart from the interest they pay on their outstanding balance at the end of each month, they do not pay any other fees for the convenience of the credit card. While this may be true for some...more
To save money on your credit cards, doesn't always necessary mean that you have to switch providers to get a better deal, far from it as you can always start on your own doorstep and ask your current credit card lender if they can offer you a...more
If you are a borrower with a history of unsatisfactory credit transactions, the lenders will describe your credit history as "adverse". The expressions "poor credit", "bad credit" and "sub-prime" all describe exactly the same situation. This leads to...more
If your business is not using eBay and other Internet auctions, you could be missing out. Here are just a few ways of generating additional income, profits and cashflow from online auctions.1. Convert Excess Assets to CashSell personal or business...more
Sometimes consultants and other service providers are hesitant to charge a fair rate for their services.Maybe they feel that the services they provide are so basic that you really can't justify charging much or anything for them. Perhaps they...more