http://www.valuablecontent.com en-us http://www.valuablecontent.com N/A frun04@gmail.com Fri, 10 Feb 2012 17:11:56 PST 20 http://www.valuablecontent.com/articles/33607/1/3-Simple-Principles-of-Financial-Decision-Making Do decisions about where to spend or invest your money make you paralyzed?  Take fear and stress out of the decision-making process by increasing your knowledge in three key areas. Tracy Piercy Thu, 03 Apr 2008 00:00:00 PDT http://www.valuablecontent.com/articles/33314/1/Bear-Stearns-Saga Just when you think a trend has been established, the market throws you a wrench and totally changes the whole picture. Before the markets even opened, the Bear Stearns saga hit its highest note, with JP Morgan offering $2 per share for Bear Stearns, and the latter accepting, mainly because the only other option was Bankruptcy. Mike Wright Mon, 24 Mar 2008 00:00:00 PDT http://www.valuablecontent.com/articles/33007/1/Get-Out-Of-Debt-AND-Save-Money When it comes to retirement planning, "Lower your expectations" and "cut back", say many experts.  Why is this dangerous advice?  What if you raised your expectations and gave your dreams their full attention?  Here's an alternative strategy that keeps you focused on your goals. Tracy Piercy Tue, 11 Mar 2008 00:00:00 PDT http://www.valuablecontent.com/articles/31311/1/Is-the-interest-rate-cut-good-news-or-bad-news%3F Much of the UK breathed a sigh of relief earlier this month when the Bank of England announced that interest rates were being cut by a quarter point taking the base rate. Reno Charlton Thu, 27 Dec 2007 00:00:00 PST http://www.valuablecontent.com/articles/31142/1/How-to-Reach-Your-Retirement-Goals Sometimes setting goals is the hardest part of preparing for "retirement".  What should you focus on the lump sum you might have someday, or the hopes and dreams for your life beyond work? Here are three simple strategies to shift your perspective. Tracy Piercy Mon, 17 Dec 2007 00:00:00 PST http://www.valuablecontent.com/articles/30446/1/How-to-Save-for-that-Home-and-Survive-Christmas So you're saving for a home, and at the same time the holiday season is approaching. It seems that every year you're left with a mountain of debt at the end of the season. Don't despair; you are not alone. Lee Cameron Fri, 09 Nov 2007 00:00:00 PST http://www.valuablecontent.com/articles/29823/1/Unpredictable-Economy-Ahead A new low for the US dollar, and a mixed bag of economic news, gave investors few clues as to what the FOMC might do next with the interest rate. Mike Wright Mon, 01 Oct 2007 00:00:00 PDT http://www.valuablecontent.com/articles/29005/1/Become-a-successful-Forex-Currency-trader.--Find-what-works-for-you. Learn to trade like a pro, find out what works for you. Check out the Forex currency trading, the Stock Matket on steroids.     Eugene Garner Sat, 25 Aug 2007 00:00:00 PDT http://www.valuablecontent.com/articles/27447/1/New-Jersey-bookkeeping-tasks-must-be-executed-appropriately New Jersey is an important aspect of any business Peter Terry Mon, 28 May 2007 00:00:00 PDT http://www.valuablecontent.com/articles/27270/1/A-Fund-Raising-Idea-That-Instantly-Funds--Any-Special-Project Are you a member of a church that is looking for a unique fund raising idea to complete a current project? Would you like to be that "knight on a white horse" that brings the idea to the table that sends nonprofit fund raising results soaring? Read on… Robert D. Cavanaugh, CLU Thu, 17 May 2007 00:00:00 PDT http://www.valuablecontent.com/articles/26861/1/Ultra-Uranium-%28TSX%3A-V.ULU%29-Assays-Shareholder-Confidence Ultra Uranium. ResourceX Investor Wed, 25 Apr 2007 00:00:00 PDT http://www.valuablecontent.com/articles/26116/1/How-to-Make-a-Sizable-Charitable-Donation-From-Your-IRA---Tax-Free If you are over 70 1/2, have an IRA and are charitably inclined, a new law allows you to make a substantial gift from your IRA - tax-free. However, there is a narrow window of opportunity. Robert D. Cavanaugh, CLU Tue, 20 Mar 2007 00:00:00 PDT http://www.valuablecontent.com/articles/25927/1/Simplifying-a-Difficult-Senior-Planning-Decision%3A-The-Family-Home Whether or not to sell their home is one of the biggest sources of consternation to seniors. Here are reasons to stay put and ways to remain in the home and get the equity out. Robert D. Cavanaugh, CLU Wed, 14 Mar 2007 00:00:00 PDT http://www.valuablecontent.com/articles/25735/1/Who-Should-Be-the-Beneficiary-of-Your-IRA%3F Why is making the proper beneficiary election for your IRA important? Does your election follow the rules? Is it the best one for your family circumstances? Is there a better one? Find out by taking a look a few common beneficiary elections and their results. Robert D. Cavanaugh, CLU Tue, 06 Mar 2007 00:00:00 PST http://www.valuablecontent.com/articles/25304/1/Looking-For-Another-Income-Tax-Deduction%3F--You-Might-Qualify-For-an-IRA-and-Not-Know-It Are you searching for another income tax deduction and wonder whether you qualify for an IRA? If so, here are the new contribution rules--some brand new as the result of the Pension Protection Act of 2006. Robert D. Cavanaugh, CLU Wed, 14 Feb 2007 00:00:00 PST http://www.valuablecontent.com/articles/25245/1/Bookkeeping-New-York-is-a-careful-task-to-be-handled Bookkeeping is one of the important aspects of business that has to be taken care of. The professionals have to be certified professional accountant or have the required qualification to handle the task effectively. Peter Terry Mon, 12 Feb 2007 00:00:00 PST http://www.valuablecontent.com/articles/25027/1/10-Easy-Steps-Towards-Stock-Market-Success We all need a set of guidelines to help us along the way. This is what I use in all of my investments to ensure that I maximize every profit and virtually eliminate all of my risks. Now you can too... Joe Harris Sat, 03 Feb 2007 00:00:00 PST http://www.valuablecontent.com/articles/24880/1/Why-Investing-In-The-Gold-Market-Will-Guarantee-Your-Financial-Security Ok let's face it. People love gold. And guess what? I'm going to show you how it's SO easy to build a little empire of your own by getting into the gold market. You'll be no King Tut…but I can bet that you'll be pretty impressed if you follow through on what I tell you. Joe Harris Sat, 27 Jan 2007 00:00:00 PST http://www.valuablecontent.com/articles/24642/1/Debt-Priority---Emergency-Hierarchy-of--Debt What do you do when all of a sudden the month is just beginning and the $$$$'s are gone? You put the emotion away and get crackin' with bill priorities and some cold hard facts about your bills... and maybe even the priorities in your life. Believe it or not, some bills are definitely more important than others. Don't forget, this is an emergency! Michael Killian Fri, 19 Jan 2007 00:00:00 PST http://www.valuablecontent.com/articles/24641/1/Paying-Off-Holiday-Bills Ways to pay off Holiday Debt buildup! Renee Talon Tue, 16 Jan 2007 00:00:00 PST http://www.valuablecontent.com/articles/24270/1/Treasures-from-State-Unclaimed-Property-Vault-Auctioned-on-Ebay Unclaimed treasures from abandoned safety deposit boxes and police property rooms are being auctioned to the highest bidder online!  Find out how to bid on this unclaimed property and how to make sure none of your property ends up in the auction. Nicole Anderson Thu, 28 Dec 2006 00:00:00 PST http://www.valuablecontent.com/articles/24113/1/What-is-Youtube%3F-What-you-need-to-know-to-be-in-the-know What is the big fuss over Youtube? You have to live in a cave to have not heard of Youtube, but what is it and how is it changing the internet.  This article will tell you everything you need to know about the latest internet craze. Nicole Anderson Tue, 19 Dec 2006 00:00:00 PST http://www.valuablecontent.com/articles/24038/1/Six-Ways-to-Solve-a-Cash-Crunch Do you find yourself facing an emergency financial crisis?  Do you need a quick and simple solution to get cash fast?  Top10Moneysecrets.com offers several creative ways to approach situations like this...and how to avoid them in the future. Robert Andrew Wed, 13 Dec 2006 00:00:00 PST http://www.valuablecontent.com/articles/23932/1/Hiding-Debts-From-Hubby Overloaded with credit card debt that you can't hide from your Hubby.  This article is a good personal finance piece. Renee Talon Thu, 07 Dec 2006 00:00:00 PST http://www.valuablecontent.com/articles/23577/1/Scrooge%26%2339%3Bs-Christmas-List Ways to save money during this Holiday Season! Renee Talon Fri, 24 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23473/1/Credit-Card-Fee%26%2339%3Bs-Increases Credit Card Fee's Increases Gary Foreman Thu, 16 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23435/1/Government-benefits-%96-for-those-on-low-incomes One of a series examining the different types of government benefits, this guide looks at some of the options available to assist those who're on a low income and are struggling to support themselves or their families. Benedict Rohan Wed, 15 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23434/1/Government-benefits-%96-for-the-unemployed The government provides a range of benefits and allowances for those who are unable to support themselves financially, whether they are unemployed and looking for work, on a low income, ill, injured or disabled, bringing up a family, caring for someone or retired. Benedict Rohan Wed, 15 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23260/1/Paydex-Score-%96-The-Secret-to-Business-Financing As a business one of the most important things to know is your Paydex score.  Your company's paydex score is the business equivalent to your personal FICO score Nicole Anderson Thu, 09 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23149/1/5-Tips-For-Identity-Theft-Protection Looks like just in time for the holiday season identity theft has become more of a threat than normal. While there are no one hundred percent guarantees against identity theft you can take some steps to cut the risk down considerably. Daryl Campbell Fri, 03 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/23124/1/The-financial-industry%3A-your-rights-as-a-consumer The financial services industry is highly regulated and companiesselling financial products or advice must adhere to a stringent set ofguidelines set out by the industry's independent regulatory body, theFinancial Services Authority. Benedict Rohan Fri, 03 Nov 2006 00:00:00 PST http://www.valuablecontent.com/articles/22431/1/How-to-get-more-than-safety-with-Certificates-of-Deposit Many people think that CDs, the Certificates of Deposit like those sold at your bank branch, have too low of a return rate to make it worth their while. In this article you will learn strategies that will make their return rates higher than advertised, while at the same time retaining the full amount of safety from this versatile investment. Dennis Gregory Wed, 04 Oct 2006 00:00:00 PDT http://www.valuablecontent.com/articles/22210/1/Avoid-Credit-Card-Late-Fees%21 Late payments can turn an otherwise normal credit card balance into an unbearable burden. Some credit cards charge incredibly high amounts as punitive fees when you fail to pay on time. Thus, you should avoid such situations as the road to bankruptcy is a one way path and late payments are the first steps. Bryan Quinn Fri, 22 Sep 2006 00:00:00 PDT http://www.valuablecontent.com/articles/21901/1/How-to-Find-the-Right-School-for-Your-Child If you are like me you probably lost sleep over what school to enroll your child in.  This is especially the case with people who move to new school districts or moving people moving their pre-schooler to kindergarten Nicole Anderson Tue, 12 Sep 2006 00:00:00 PDT http://www.valuablecontent.com/articles/21800/1/5-Ways-to-Get-Extra-Money-for-Christmas-Shopping Christmas shopping is getting more and more expensive each year.  With over 70% of Americans reported to be living paycheck to paycheck, where does the money come from for Christmas shopping? Nicole Anderson Fri, 08 Sep 2006 00:00:00 PDT http://www.valuablecontent.com/articles/21370/1/Quiz%3A-Are-You-a-cultured-International-Traveler%3F Foreign etiquette is key to a sophisticated traveler.  How much do you know about the different cultures encountered in international travel? Nicole Anderson Fri, 18 Aug 2006 00:00:00 PDT http://www.valuablecontent.com/articles/21050/1/How-to-Manage-Your-Money-%26-Avoid-Living-Paycheck-to-Paycheck Over half of all Americans are living paycheck to paycheck.  Are you one of them?  By the time you finish reading this article you will have a simple tool to help you out of this frightening statistic. Nicole Anderson Thu, 03 Aug 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20995/1/Kathy-Griffin%92s-Take-on-Financial-Planning Kathy Griffin has some wise insight on finances and money management.  If you listen to her advice you may find yourself in a much better financial situation and if you don't listen to her advice she my make fun of you on her show someday! Nicole Anderson Sat, 29 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20914/1/Creating-Surplus-Cash-For-Savings-and-Investments Living below your means is more a matter of self-discipline. A few adjustments here and there could be all it takes to have the necessary funds available for saving and investing. Richard Kimball Tue, 25 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20791/1/Cash-Advance---Boon-or-a-Bane Cash advance may look like a nice offer when you are short of cash at times of emergencies. But the inflated rates for borrowing the money make the deal far less attractive. These loans can surely help you if you can closely study the offer and only take them when you need them desperately. Mandeep Raj Mishra Tue, 18 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20790/1/Is-Payday-loan-inexpensive%3F-Issues-and-Concerns Payday loan is a short-term high interest loan that people take to get them from one pay period to the next pay period at a time when unexpected expenses made it impossible to meet all financial obligations between paychecks. Mandeep Raj Mishra Tue, 18 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20760/1/Utilizing-Your-Financial-Safety-Net A good place to put funds for infrequent payments or for possible emergencies is in a money market account where interest rates are most often higher than savings accounts and are more accessible. Richard Kimball Sun, 16 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20733/1/Structured-Settlement-Annuity%3A-The-Real-Deal Properly considering the future, as far out as it may seem to be, can reduce stress and financial strain.  These scenarios cover what you need to keep in mind. Michael DeGeorge Fri, 14 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20691/1/No-Fax-Payday-Loan-%96-Are-You-In-Dire-Need-Of-Cash Get cash without having to fax any documents with no fax payday loan. Although, acquiring no fax payday loans is possible for people without nice credit history, one must have a job. Just fill up an online application and gat the cash. Mandeep Raj Mishra Wed, 12 Jul 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20470/1/5-Places-That-Give-Out-Truly-Free-Money Is there really such a thing as free money?  This article will answer that question! Nicole Anderson Fri, 30 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20403/1/A-Structured-Settlement-Annuity%3A--Comparatively-Speaking So you think you can do better investing the lump sum payment yourself rather than relying on the structured settlement for steady, predicatable income?  Take a look at how a structured settlement compares with one of the most popular investment vehicles.  Michael DeGeorge Tue, 27 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20252/1/Read-Low-Cost-Consolidation-%26-Student-Loan-Options The task of finding and choosing the right lender for the consolidation of student loans is hard enough, but finding the lowest cost ones? This article can help guide you in the right direction. Dorene Patterson Sun, 18 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20100/1/A-Structured-Settlement-Nightmare%3A-Don%26%2339%3Bt-Let-This-Happen-To-You. Accidents happen everyday that change the course of the lives of the people involved.  You may not be able to control actually being in an accident, but you can control how you financially prepare for life after the accident. Michael DeGeorge Fri, 09 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20021/1/Structured-Settlement-Annuity%3A-What-is-it-and-when-to-use-one. Structured Settlement Annuities are commonly set up to compensate someone injured on the job or in a car accident.  But what are they exactly?  And when would you need one set up for you? Michael DeGeorge Mon, 05 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/20000/1/7-Insider-Tips-You-Must-Know-Before-Buying-or-Selling-a-Note-in-Today%92s-Real-Estate-Market Whether the Real Estate Bubble is ready to burst or not, be sure to consider the following essential tips before Buying or Selling that Mortgage, Trust Deed or other Cash Flow Notes. Steve Groom Sun, 04 Jun 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19863/1/Tips-On-Debt-Elimination Debt elimination is a struggle for most people.  Here you will find valuable tips on how to get a hold of your debt, eliminate it and stay in control of your financial future. Linda Meadley Sat, 27 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19764/1/Revealing-Your-Hidden-Unclaimed-Money Ever wondered how the government amassed billions in unclaimed money? You may be thinking, 'I have never forgotten about money owed to me'. Nicole Anderson Fri, 26 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19640/1/How-I-Found-My-%242%2C600.00-Owed-to-My-Family-in-Just-20-Minutes By the time you finish reading this you will be able to find you and your family hundreds, if not thousands, of dollars.  This money is not loans or scams, it is money owed to them.   Nicole Anderson Mon, 15 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19631/1/10-Deadly-Money-Sins By the time you finish reading this article you will know the 10 deadly money sins not to commit to help you stay financially "saved".  Consider this the financial edition of the 10 commandments. Nicole Anderson Sun, 14 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19606/1/A-History-of-Money-and-Banking-Secrets-That-Banks-Don%26%2339%3Bt-Want-Published A History of Money and Banking Secrets That Banks Don't Want Published. This is A History of Money and the Reason Federal Reserve Notes Aren't Backed by Gold or Silver Anymore. Mark Cella Fri, 12 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19604/1/How-to-Avoid-Bankruptcy-and-the-New-Bankruptcy-Laws How To Avoid Bankruptcy and the New Bankruptcy Laws. Now, How to Avoid Bankruptcy? Find Out How Millions of Others Are Avoiding Bankruptcy. Mark Cella Fri, 12 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19538/1/7-Ugly-Lies-About-Unclaimed-Money I was enraged after hearing lies from government agencies and false reports in some reports on unclaimed money.  Read on to find out the truth about unclaimed money. Nicole Anderson Mon, 08 May 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19393/1/7-Things-Every-American-Should-Know-About-Unclaimed-Money Every year 20+ billion dollars goes unclaimed in the United States.  Millions of Americans are owed this money but either don't know it exists or don't know how to find it.  Here are 7 things everyone needs to know about unclaimed money: Nicole Anderson Sat, 29 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19221/1/Modern-Cash-Flow-Brings-Together-Note-Sellers-and-Investors Modern Cash Flow Solutions would find an investor who would buy your lottery winnings, literally giving you immediate access to the cash you need. Kris Nickerson Fri, 21 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19201/1/Student-life-and-avoiding-graduate-loan-debts Loans are part of modern student life, but it is after graduation that the true effects of student debt are felt. Richard Green Thu, 20 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19200/1/Debit-Cards-dominate-cash-in-the-UK-high-street For the first time in the technology's twenty year history, debit card use accounts for more sales in the UK high street than cash purchases Richard Green Thu, 20 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19146/1/Taking-Control-of-your-Finances. Discusses how to take control of your money, so that you can find funds to invest for the future. Debra Lohrere Sun, 16 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19145/1/Building-Financial-Security-Steps-4-to-6. Discusses the wealth building principles of goal setting, budgeting and self education. Debra Lohrere Sun, 16 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/19144/1/Building-Financial-Security-Steps-1-to-3. Discusses the wealth building principles of compounding interest, leverage and property investment. Debra Lohrere Sun, 16 Apr 2006 00:00:00 PDT http://www.valuablecontent.com/articles/18674/1/Retiring-or-leaving-the-company--How-to-Properly-do-an-IRA-Rollover It's easy to lose 20% of your IRA to tax when you do an IRA rollover.  Avoid these simple mistakes and get the right advice when you move your IRA money and avoid taxes and penalties. Larry Klein Thu, 23 Mar 2006 00:00:00 PST http://www.valuablecontent.com/articles/18558/1/Want-To-Grow-Your-Own-FOREX-Money-Tree%3F Learn how to trade the FOREX market successfully. Ashley McCracken Wed, 15 Mar 2006 00:00:00 PST http://www.valuablecontent.com/articles/18377/1/Debt-Settlement%2C-Debt-Management%2C-Debt-Termination-%96-What%26%2339%3Bs-the-Right-Choice%3F Describes important differences between the three major approaches for debt reduction. Explains why debt termination is a scam, why non-profit debt management services are not always the best choice, and why do-it-yourself debt settlement is a superior alternative to bankruptcy. Charles Phelan Tue, 07 Mar 2006 00:00:00 PST http://www.valuablecontent.com/articles/17480/1/0-APR-credit-cards-are-Not-Just-for-Christmas Have you ever considered the luxury of always having a 0 APR credit card at all times, no matter what the circumstances? Well here is a check list of seven things you must do in order to make that an everyday reality. Gordon Goodfellow Tue, 24 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17198/1/When-Debt-Collectors-Cross-the-Line Discusses common threats and tactics used by debt collectors in violation of the Fair Debt Collection Practices Act. Encourages consumers to take action against collection harassment by filing formal complaints with state Attorneys General or the Federal Trade Commission. Charles Phelan Wed, 11 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17156/1/Credit-card-minimums-not-doubling%2C-but-might-still-hurt Federal regulators are requiring credit card companies to raise your minimum monthly payments. John Janney Mon, 09 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17147/1/The-Rich-Jerk-Review Have you heard about The Rich Jerk? Is he for real? Find out in my review of The Rich Jerk E-Book. Aaron Brown Mon, 09 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17061/1/Debt-Relief----Why-Most-Programs-Have-A-75%25-Failure-Rate Discusses the major flaw with most debt relief programs, namely their total lack of flexibility. Examines why the the fixed payment structure of most debt programs doesn't reflect the real-world budgets of most struggling debtors. Charles Phelan Wed, 04 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17060/1/The-Credit-Card-Debt-Termination-Scam Discusses the "debt termination" or "debt elimination" scam, where promoters claim that debt can be "erased" using obscure legal documentation. Explains the bogus theory behind a scam that has bilked millions from vulnerable consumers. Charles Phelan Wed, 04 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/17045/1/Are-Student-Loans-Better-Than-Credit-Cards%3F College students often use credit cards as a way to pay for expenses at school. Instead of applying for an adequate student loan, too many students get caught up in the idea that they are solving their problems with credit cards, when instead they are creating a financial nightmare for themselves. Vanessa McHooley Tue, 03 Jan 2006 00:00:00 PST http://www.valuablecontent.com/articles/16821/1/Avoiding-the-sound-of-Jingle-Bills Personal finances are difficult to keep straight during the year, but at Christmas it can seem impossible to stay afloat Richard Green Wed, 21 Dec 2005 00:00:00 PST http://www.valuablecontent.com/articles/16809/1/Now-Is-the-Right-Time-to-Consolidate-Student-Loans Student loan consolidation is an easy way to combine your student loans into one.  Keep reading to see why so many students are consolidating their student loans today! Vanessa McHooley Tue, 20 Dec 2005 00:00:00 PST http://www.valuablecontent.com/articles/16723/1/New-retirement-savings-plan---Roth-401%28k%29-coming-into-effect Unlike a traditional 401(k) Retirement Plan, a Roth 401k plan applies to all employees but the latter requires the contributions to the plan account with after-tax dollars while a 401k plan allows for contributions with pre-tax dollars. Lance Williams Thu, 15 Dec 2005 00:00:00 PST http://www.valuablecontent.com/articles/6694/1/Money-at-Christmas---Surviving-the-festive-period-without-a-New-Year-financial-hangover Christmas is a time for excess, but don't get left nursing a severe financial hangover in the New Year. Richard Green Thu, 01 Dec 2005 00:00:00 PST http://www.valuablecontent.com/articles/6689/1/Who-Stole-The-Spirit-of-Christmas%3F Has the true spirit of Christmas been hijacked? Is Christmas still a happy occasion to celebrate with your families or has it become nothing more than a stressful time that you can do without? Nicola Bullimore Thu, 01 Dec 2005 00:00:00 PST http://www.valuablecontent.com/articles/6446/1/Christmas-Credit-Where-It-Is-Due UK consumers dominate the financial press with rising bankruptcy rates and personal debt spiralling out of control, but with a little financial homework, British consumers reverse their misfortunes. Richard Green Fri, 18 Nov 2005 00:00:00 PST http://www.valuablecontent.com/articles/6337/1/Loans-are-not-just-for-Christmas.--Surviving-the-holiday-debt-hangover. Personal loans and buying presents on credit can bring on a Christmas hangover. How to avoid being a financial casualty in the new year. Richard Green Thu, 10 Nov 2005 00:00:00 PST http://www.valuablecontent.com/articles/6101/1/Ten-Steps-To-Being-Debt-Free-That-Work If your finances are lacking right now, here is a plan to help reduce your debt while also laying the foundation for wealth preservation in the future.  Bryon Zirker Wed, 26 Oct 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1548/1/Student-Loan-Consolidation-Rates---Helpful-Tips Student loan consolidation has many benefits. Before you sign up on the dotted line, you should know how to get the best student loan rates. If you are tired of too many bills and monthly due dates, it may be time to find the best student consolidation loan you qualify for. Dean Shainin Mon, 17 Oct 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1547/1/Auto-Loan---How-To-Save-Time-And-Money-Online%3F You have finally decided on what type of car you want. It's now time to find a great auto loan. One of the most important aspects of buying a vehicle is getting the best auto loan you can find. Finding the best auto loan starts with educating yourself and doing research online. You can save both time and money when shopping for an auto loan online. The consumer is now very well informed when looking for a new car on the Internet. Dean Shainin Mon, 17 Oct 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1391/1/Bankruptcy-%96-More-Signs-That-You-May-Be-in-Trouble. Bankruptcy attorneys all over the country are reporting that their business is up 25-50% over last year. The reason? New bankruptcy legislation is set to take effect later this month, and the laws are much stricter than in the past. Charles Essmeier Fri, 07 Oct 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1390/1/Bankruptcy-%96-Look-for-the-Warning-Signs The Bankruptcy Abuse and Consumer Protection Act, signed into law last April, will take effect this month and bring with it some of the most sweeping changes in debt law in history. Charles Essmeier Fri, 07 Oct 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1305/1/Student-Loan-Consolidation-Rates---Helpful-Tips Student loan consolidation has many benefits. Before you sign up on the dotted line, you should know how to get the best student loan rates. If you are tired of too many bills and monthly due dates, it may be time to find the best student consolidation loan you qualify for. Dean Shainin Thu, 29 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1272/1/How-To-Stretch-Your-Student-Loan Student loans don't have to mean student debt, so make sure your finances add up by doing your financial homework online. Richard Green Tue, 27 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1261/1/Has-anyone-seen-my-twenties%3F As an increasing number of students graduate with massive amounts of debt, Britain's twenty-somethings find themselves working longer hours - sometimes 7 days a week, simply to manage their finances Richard Green Mon, 26 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1162/1/Save-Money-On-Gas Follow these simple suggestions and drastically reduce your auto fuel expenses. Joseph Garrio Sun, 18 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/1012/1/Bankruptcy-and-Debt-%96-New-Law-May-Hurt-Katrina-Victims The world remains horrified at the tremendous destruction caused throughout the Gulf Coast recently by Hurricane Katrina. An unknown number of people are dead and thousands more are homeless, jobless and completely destitute. It may be months before the city of New Orleans is inhabitable again, and in the meantime, most residents of the city will have little or no income. Charles Essmeier Mon, 12 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/928/1/How-to-clean-up-your-personal-finances... Personal finance isn't rocket science, so there's no need to stick your head in the sand Richard Green Wed, 07 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/897/1/Insurance%2C-fuel-and-personal-finance-in-the-UK-following-recent-world-catastrophes Worldwide extreme weather conditions and local terrorist attacks are leading to increased financial burden for UK businesses and consumers Richard Green Tue, 06 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/893/1/Personal-finance-%96-why-you-should-compare%2C-not-despair Personal finance - how to get a grip on your credit cards, insurance, mortgage and outstanding loans Richard Green Mon, 05 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/862/1/Personal-finance---have-consumers-had-a-belly-full-of-personal-debt%3F Britain is a little island with a big problem - consumer debt Richard Green Fri, 02 Sep 2005 00:00:00 PDT http://www.valuablecontent.com/articles/773/1/Students-investing-in-their-future-need-to-manage-their-finances-today Students eager to go to university need to control their finances at an early stage, or face long-term financial hardship Richard Green Fri, 26 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/750/1/Basic-bank-accounts-failing-the-basic-needs-of-consumers Government financial inclusion scheme to provide bank facilities for all is not providing the help required by the most vulnerable Richard Green Thu, 25 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/263/1/New-Bankruptcy-Law-%96-Five-Essential-Things-to-Know Last April, Congress passed the Bankruptcy Abuse and Consumer Protection Act, the most sweeping reform of our nation's bankruptcy laws in more than twenty-five years. Charles Essmeier Fri, 12 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10267/1/Lions-and-loans%3A-why-finance-should-always-be-personal Don't be indifferent to the small print, as the loan may prove to be a life-long load and may hinder the legacy you leave for your children. Richard Green Fri, 05 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10264/1/Money-Making-Hobbies Do you have a hobby you really enjoy? Think it can\'t be a money making hobby? Think again. Steve Gillman Fri, 05 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10250/1/Playing-With-Money---And-Making-More Tired of watching interest rates on your savings drop? You could try playing with your money a little. Here are some possibilities. Steve Gillman Thu, 04 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10238/1/managing-personal-finance Not everyone is comfortable with the idea of managing personal finances. Most people are petrified of the very concept because it brings up the complicated and intricate image of budgeting, investing and making difficult choices between buying or renting. elva chen Wed, 03 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10189/1/Adverse-debt-levels-blight-UK-consumers-personal-finances UK debt is out of control with many loan providers taking advantage to increase profits, however recent changes in the financial services industry may protect some of the most vulnerable. Richard Green Tue, 02 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10183/1/Knowing-me%2C-knowing-you%3A-why-ID-protection-plans-are-flawed-for-fraud. Why there's no substitute for common sense when it comes to protection from identity theft. Richard Green Tue, 02 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10167/1/Credit-Counseling-%96-Congress-Offers-No-Details-in-New-Law Recently passed bankruptcy legislation requires filers to first undergo mandatory credit counseling. Congress didn't state exactly what that means, leaving debtors and counselors concerned. Charles Essmeier Mon, 01 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10161/1/Identity-Theft-%96-Additional-Protection-for-Soldiers-on-Active-Duty An amendment to the Fair Credit Reporting Act permits active duty military personnel who are away from their active duty station to place an "active duty alert" on their credit reports. This should help prevent soldiers from being victims of identity theft. Charles Essmeier Mon, 01 Aug 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10126/1/How-To-Free-Up-10%25-to-15%25-of-Your-Income Would you be interested in freeing up 10% to 15% of your current income? Just imagine what you could do with this money. You could pay down your debts, increase your savings, or work toward that next important purchase that you have in mind. Wouldn't it be exciting to actually have money left over at the end of the month? Michael Peterson Fri, 29 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10122/1/A-Look-at-Forex-Market-Makers The investor in the currency market takes for granted that a pair of currencies can be bought or sold at a moment's notice. Once an order is placed with a broker, the trade is executed within seconds. Dave Lavinsky Thu, 28 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10116/1/Home-Loans-%96-Lenders-Continue-to-Offer-High-Risk-Loans After warnings from Federal banking regulators, mortgage lenders are offering more high-risk loans than ever. Here's what prospective borrowers need to know. Charles Essmeier Thu, 28 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10101/1/Buy-a-Home-With-a-Government-Grant%3F--Avoid-This-Scam Advertisers are offering information about obtaining money from the Federal Government so that you can live in the house of your dreams for free. What you need to know. Charles Essmeier Thu, 28 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10099/1/Mortgage-and-credit-card-companies-under-the-spotlight-on-consumer-charging UK debtors receive boost as housing market shows signs of improvement and credit card companies warned to reduce charges Richard Green Thu, 28 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10087/1/How-to-buy-you-first-stock Perhaps you have never purchased stock of any kind before in your life and the entire investment game is new for you. Maybe you know the ins and outs of investing, but the new technological component leaves you a little intimidated. Then look no further. elva chen Wed, 27 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10086/1/Debt-Consolidation-%96-Be-Careful-When-Trading-in-Your-Car Many auto owners fail to realize that they owe more on their car than it is actually worth. Here are some tips for staying out of debt trouble with your car. Charles Essmeier Wed, 27 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10079/1/Rate-tarts-no-longer-welcomed-by-mortgage-and-credit-card-providers. UK financial providers impose measures to reduce switching activities by consumers. Richard Green Wed, 27 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10073/1/Option-ARM-%96-The-World%92s-Most-Dangerous-Mortgage With high prices and low interest rates, the lending industry has introduced a number of complicated loan types with adjustable interest rates. One of them, the option ARM, has the potential to financially crush the borrower. Charles Essmeier Tue, 26 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10057/1/UK-graduates-looking-short-term-at-their-long-term-financial-responsibilities UK students declare they are worried about their immediate financial problems, while much larger long-term debts are blissfully left to build up. Richard Green Tue, 26 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10047/1/Credit-Report-%96-Look-Out-for-Your-Debit-Report%2C-Too Most consumers aren't even aware that they have a debit report as well as a credit report until their application to open a bank account is denied. Here's what you need to know to keep yours healthy. Charles Essmeier Mon, 25 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10045/1/The-perils-of-the-property-ladder%3A-has-anyone-noticed-the-silence%3F As you ascend the dizzy heights of property investment, don't lose your head and ignore mortgage research and advice. Richard Green Mon, 25 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10044/1/Identity-Theft-%96-Guard-Your-Children%92s-Social-Security-Numbers Identity thieves have found a lucrative new source of identities to steal - those of children. You should guard your children's personal information carefully. Charles Essmeier Mon, 25 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10036/1/Credit-Counseling-%96-Get-in-Line-Now-to-Avoid-the-Upcoming-Rush A combination of factors will soon result in a stampede by consumers to obtain credit counseling. If you need it, you should seek it out now. Charles Essmeier Sun, 24 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10034/1/Free-Credit-Report-%96-A-Website-Typo-Could-Be-Costly Consumers can obtain a copy of their credit report for free at a Government-mandated Website. But only if they type the name correctly. Charles Essmeier Sun, 24 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10020/1/Mortgage-Financing---Tips-For-Finding-The-Best-Mortgage Mortgage financing is a very competitive industry and lenders are currently offering extremely low interest rates and a variety of flexible loan programs. Kenrick Austin Sat, 23 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10019/1/What-Is-Debt-Negotiation-And-How-Can-It-Benefit-You%3F Debt negotiation and debt settlement can give you a means to repay your debts and keep your accounts in good standing. You can negotiate your student loans, credit card debt, and revolving accounts and potentially save hundreds of dollars each month. Kenrick Austin Sat, 23 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10018/1/Debt-Relief---You-Can-Find-A-Way-Out When seeking debt relief, there are several options, one of which is bankruptcy. This is an option for some, but changes in bankruptcy laws have made it impractical for most. Debt consolidation loans are another option. Kenrick Austin Sat, 23 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10017/1/Debt-Management---You-Can-Manage-Your-Debts-Instead-Of-Drowning-In-Them Debt management is not a loan. It is a way to restructure your debts and begin paying them off instead of simply paying interest. It is also possible that your creditors will list your account as current with the major credit bureaus when you begin receiving debt management services. Kenrick Austin Sat, 23 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10016/1/Credit-Repair---You-Can-Restore-Your-Credit-Rating-And-Reduce-Debts Millions of people have inaccurate information, errors, and out dated information on their credit report. These errors can cause your credit score to drop dramatically, which adversely affects numerous aspects of your life. Kenrick Austin Sat, 23 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/10004/1/Home-Loans-%96-Repair-Credit-Errors-in-Three-Days%21 While there is not way to repair your credit rating if you've got bad credit, there is a way to fix errors on your credit report quickly. It's called rapid rescoring. Charles Essmeier Fri, 22 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9998/1/Home-Loans-%96-Repair-Your-Credit-Before-You-Buy There are companies that offer to "fix" problems on your credit report. Here's what you need to know to fix the problems yourself. Charles Essmeier Fri, 22 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9997/1/Credit-Report-%96-How-Your-Credit-Score-is-Determined Most consumers are aware that they have something known as a credit score. Few know what factors are used to create that score. Here are some details. Charles Essmeier Fri, 22 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9995/1/Free-consumer-advice-site-launched-by-credit-card-industry-to-protect-shoppers New consumer advice site launched to help increase public knowledge of choosing and using credit cards. Richard Green Fri, 22 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9974/1/Identity-Theft-%96-More-Tips-on-How-it-Can-Be-Avoided Identity theft is a problem that can affect most anyone, and it isn't going to go away. Here are some more helpful tips on how you can avoid being a victim. Charles Essmeier Wed, 20 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9970/1/UK-house-price-increases-take-a-summer-holiday House sellers reduce asking prices to attract buyers, but previous rises force many first time buyers to stay out in the cold. Richard Green Wed, 20 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9965/1/Identity-Theft-%96-Monitor-Your-Credit-Report Those at risk for identity theft have a new tool at their disposal. The credit bureaus will allow you to monitor your credit activity. Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9964/1/Identity-Theft-%96-Beware-of-Phishing-Attacks%21 A fairly new scheme known as "phishing" is being used to steal financial information from unsuspecting consumers. Be on the lookout for these scams. Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9963/1/Personal-Bankruptcy-%96-If-it%92s-Unavoidable%2C-File-Now The pending Federal bankruptcy law is spawning record numbers of filings before the October 15 deadline. Don't get caught waiting too long. Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9960/1/Home-Loans-%96-Would-You-Buy-a-Home-Without-an-Inspection%3F In some housing markets, where bidding is aggressive, some would-be buyers are offering to buy without a contingent home inspection. Why would someone do this? Is it a smart thing to do? Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9955/1/Home-Loans-%96-Identity-Theft-Protection-Could-Hurt-Home-Sales New laws in several states designed to protect consumers from identity theft could hurt their chances of buying a home. Good intentions don't always work out. Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9954/1/Home-Equity-%96-Let-the-Market-Eliminate-Your-Private-Mortgage-Insurance In today's market, few homebuyers put down enough of a down payment to avoid paying private mortgage insurance. By paying close attention to the housing market, you may be able to have PMI dropped from your house note. Charles Essmeier Tue, 19 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9948/1/Home-Equity-%96-Foreclosure-Often-Not-Necessary-in-Current-Market The current boom in home values has made it possible for homeowners with financial trouble to avoid both foreclosure and scam artists. They can simply sell the home instead, often at a profit. Charles Essmeier Mon, 18 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9947/1/Home-Equity-%96-Don%92t-Spend-it-on-Risky-Investments Given the huge increases in home values during the last five years, there is a tendency among homeowners to consider the increased equity in their homes as added wealth. That isn't entirely true, and homeowners should be careful with this valuable asset. Charles Essmeier Mon, 18 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9934/1/WHY-INVESTORS-USE-FINANCIAL-PLANNERS Do you have a financial planner? Does one ofyour friends have a financial planner? Maybe you take your advice from your broker. As I have said countless times before a broker will make you broker. And a financial planner won??t do any better. I know. You thought they would. elva chen Sun, 17 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9933/1/Home-Equity-Loan-%96-Good-Choice-for-Luxury-Purchases%3F Home equity loans have numerous advantages over other types of loans. Would this be a good choice for financing a car or a dream vacation? Charles Essmeier Sun, 17 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9932/1/Home-Equity-Loan-%96-When-Does-Refinancing-Make-Sense%3F There are times when it may make more sense to refinance than to take out a home equity loan. At other times refinancing is a poor idea. When should you refinance your mortgage? Charles Essmeier Sun, 17 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9909/1/Home-Equity-Loan-%96-Still-a-Better-Idea-Than-a-401%28K%29-Loan There are many reasons why borrowing against your 401(K) account is not a good idea. Here are a few of them, along with suggestions for how to borrow more wisely. Charles Essmeier Sat, 16 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9900/1/Debt-Management-%96-Watch-Out-for-Bank-Fees%21 The fees charged by your bank can easily overwhelm you and drain your account. Be careful when using some "convenience" features offered to you. Charles Essmeier Fri, 15 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9895/1/An-Informative-Forex-Broker-Review Gain Capial has set a high standard with trailing stops. The trailing stop can only be entered as a separate order. Once the investor is in an order he can enter his trailing stop limit in pips to trail the market the distance the investor has set with the closest distance the investor can go being 10 pips. Dave Lavinsky Fri, 15 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9892/1/British-Families-and-Debt There is current concern from the Bank of England that British families are getting deeper into debt, however, it has been said that lenders are putting themselves at risk because people are now more willing to make themselves bankrupt. What can be done to stop the rollercoaster ride of debt in Britain. Nicola Bullimore Fri, 15 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9879/1/Senior-Life-Settlement-Uses-and-Applications The Senior Life Settlement Market has evolved so that there is a secondary market for life insurance policies that are no longer needed or wanted. Selling a life insurance policy into the open market is now easily accomplished. jon thomas Thu, 14 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9870/1/First-time-house-buyers%3A-to-buy-or-not-to-buy-that-is-the-question. First-time buyers are continuing to suffer from house prices rises. While incomes are not increasing as fast as property prices, first-time buyers are forced to take longer saving for a mortgage. Richard Green Thu, 14 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9859/1/The-Debt-Test%3A-are-you-making-out-a-mountain-out-of-your-mortgage%3F Whilst UK consumers as a whole may be trigger happy with their plastic, first-time home buyers show concern for financial protection Richard Green Wed, 13 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9854/1/Life-Insurance-Settlements-Capitalizing-On-Your-Policies Life Insurance Settlements-Capitalizing On Your Life Insurance Policies. This new market allows Seniors to take advantage of what is known as a Life Settlement, and get cash for their policies now. jon thomas Tue, 12 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9835/1/Saving-for-your-child%92s-financial-future-%96-UK-parents-inactivity-harming-their-children%92s-university-and-mortgage-savings Child Trust Funds generate little interest for busy families. Despite the huge costs to taxpayers of the Child Trust Fund initiative and the awareness raising advertising that has subsequently been carried out, less than a third of those eligible have used their voucher to open a savings or investment account. Richard Green Tue, 12 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9829/1/Filing-for-Bankruptcy Bankruptcy laws give debtors a way to resolve debt by dividing their assets among their various creditors and in some cases will allow debtors to be freed of outstanding debts that cannot be paid, even after the division of assets. Ken Austin Mon, 11 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9814/1/TWO-FOR-THE-MONEY Look back over the years and try to remember how many different stocks and mutual funds you have owned. Suppose you had owned only 2 different equities during that entire time. One when the market was going up and the other when the market was going down. elva chen Sun, 10 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9787/1/Poor-call-centre-performances-driving-motorists-to-go-online-for-insurance Increasing numbers of motorists' desert call centres in favour of online insurers Richard Green Fri, 08 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9785/1/Know-your-own-worth%3A-a-practical-insight-into-covering-up Almost anything can be insured these days: breasts, legs, your goldfish, your mental health, physical health, your own life, your child's life. You can insure against the bad weather, good weather, political events? Richard Green Fri, 08 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9766/1/Help-to-get-out-of-debt If you\'re trying hard to get out of debt, but find that more and more of your take-home pay are going toward your debt payments, this article will help you. Sarah Jones Thu, 07 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9764/1/Alternative-ways-to-avoid-payday-loan There are so many alternatives to payday loan but we seldom consider them as we have a lack of information about them. Thus we have to find ourselves in a trap of perpetual debt. In this article the author has provided some unique alternatives to payday loan by which you can learn more about how to avoid payday loan borrowing….. Angelina Rosario Thu, 07 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9753/1/The-World-is-Not-Enough---Calling-for-a-More-Ethical-Approach-to-Personal-Finance With the success of the Live 8 and Make Poverty History rallies in bringing ethical awareness to world finance, the public needs to turn the spotlight onto their own personal finances to ensure real change is made. Richard Green Wed, 06 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9707/1/WHAT-HAPPENS-IF-THE-MARKET-DROPS-LIKE-2000%3F I was recently being interviewed on a talk radio show when one of the callers hit me with the question, ?°What happens to investors if the stock market has another crash like it did in 2000?\" elva chen Mon, 04 Jul 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9649/1/Eliminating-Debt-is-a-Step-by-Step-Process Americans everywhere are swimming in a sea of debt. Do you have a home mortgage, a car loan, credit cards, and even store shopping cards? If so, then most likely you are struggling each and every month just to make the minimum payments on your credit and store cards. And forget about putting any aside for savings. Even though your home loan and car loan are positive steps since you are building equity in these assets, it is credit cards and store cards that will get you, and keep you, in financial trouble. elva chen Wed, 29 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9648/1/Credit-Reports-%96-Why-Your-Credit-Score-is-Important%09 Your credit score is a lot more than just a number, and it is used by all manner of businesses for all kinds of reasons. Here is what you should know about your credit score. Charles Essmeier Wed, 29 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9643/1/Inflexible-friends-and-plastic-assets%2C-why-money-isn%92t-buying-love-anymore. UK consumer debt continues to spiral out of control, with a 30% rise in bankruptcies Richard Green Wed, 29 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9627/1/Senior-Life-Settlements-A-New-Financial-Dawn-Emerges Senior Life Settlements provide seniors a source of untapped capital. A new life insurance aftermarket makes selling these life settlements as easy as selling any investment property. jon thomas Tue, 28 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9580/1/TRADING-vs-INVESTING I often hear from people, ?°I don??t trade. Iinvest. I buy a mutual fund and I hold it?±. Mr.Investor, did you know you are trading on a regular basis? Are you aware that mutual fund managers are changing their positions by selling certain stocks and buying others? elva chen Sun, 26 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9557/1/Life-Settlement%3A-Towards-A-Free-Market-for-Life-Insurance The New Life Settlement Market Emerges as a Viable Financial Option. Seniors who no longer need a life insurance policy can now utilize life settlements as a financial planning tool. jon thomas Fri, 24 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9541/1/Shorn-Of-The-Debt-Responsibility UK debt is out of control and while the Government launches its new initiative to tackle the problem, the public must also play their part. Richard Green Fri, 24 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9538/1/How-To-Get-a-Low-Interest-Credit-Card Credit card interest rates can increase payments dramatically, and switching to a lower-interest credit card can be a sound financial choice. Tom Coleman Thu, 23 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9536/1/How-To-Repair-Your-Credit-Report A bad credit report can ruin your chances to buy a car or a home, but your credit can be repaired. Tom Coleman Thu, 23 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9499/1/Your-Portfolio-and-%93Old-Ironsides%94 Investors can learn a lot from the sturdy attributes of \"Old Ironsides.\" Among the lessons: longevity, periodic maintenance, and \"turn around\" trips. This Fourth of July, as you celebrate your national independence, take time to review your financial independence. Kemberly Wardlaw Tue, 21 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9492/1/Debt-Consolidation-%96-How-to-Protect-Your-Credit-Accounts-from-Theft The recent data theft from CardSystems Solutions demonstrates that nearly everyone is vulnerable to data theft. What can you do to protect your personal information? Charles Essmeier Tue, 21 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9489/1/PRICE-TARGETS Every day in any financial publication you will find the Wall Street mavens giving their predictions on many stocks. It was issued here and should go there. It is now undervalued and is worth that much more. Really? elva chen Tue, 21 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9480/1/Refinancing-Second-Mortgage Refinancing is the process of replacing an existing loan with another lower interest rate loan for the same amount. Refinancing a second mortgage can help borrowers to regain control of their personal debt. We are a mortgage information dissemination company. In our day-to-day business, we see many misunderstandings related to mortgage. We hope that this article along with the associated resources will help you in getting a clear picture of it. Lance Williams Mon, 20 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9459/1/Home-Equity-Loan-Line-of-Credit-Vs.-Other-Conventional-Loans When it comes to getting money, you have two basic options. If you are a homeowner you can choose to take out a home equity line or credit (HELOC), or you can take out a conventional loan. Both of these products will provide you with the funds needed, but the similarities end there. John Ross Sat, 18 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9457/1/Home-Equity-Loan-Information---How-to-use-One-Wisely Using a home equity loan to get out of debt or make improvements to your home is usually a smart move. You have earned the equity, so it only makes sense that you put it to good use. Usually this type of loan offers a lower interest rate than credit cards or traditional loans, so it is a wise move for many circumstances. John Ross Fri, 17 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9456/1/Home-Equity-Loans---5-Useful-Application-Tips Obtaining a home equity loan does not have to be a major ordeal. Unlike your first mortgage, you are already in the home, and usually time is not such a major factor. You can close the loan at your own leisure, and take your time researching the different options available to you. Below you will find five tips that will help you make the process as painless as possible. John Ross Fri, 17 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9443/1/Home-Loans-----Federal-Regulators-Warn-Lenders-to-Be-More-Careful As home prices continue to skyrocket, Federal banking regulators have warned lenders to be more careful about the kinds of loans they make. A peaking market could leave thousands of borrowers in default. Charles Essmeier Thu, 16 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9441/1/Home-Loans-----The-Hot-New-Product%3F--The-30-year-Mortgage The more things change, the more they stay the same. Mortgage companies are constantly introducing new products, and the fastest growing product at the moment is the classic 30-year, fixed-rate mortgage. Here's why. Charles Essmeier Thu, 16 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9438/1/Home-Loans-and-Mortgages-%96-Beware-of-Deed-Theft-Scam A popular real estate scam that is now rampant throughout the country involves offering help to those in financial trouble while secretly stealing their home. Here are details as to how you can avoid deed theft. Charles Essmeier Thu, 16 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9436/1/Home-Loans-and-Mortgages-%96-Beware-of-New-%93Mortgage-Elimination%94-Scam Companies are promising that they can completely eliminate a homeowner's mortgage obligation for a fee of several thousand dollars. Here is how this new scam works. Charles Essmeier Thu, 16 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9434/1/Home-Refinancing-Scam-%96-Thieves-Use-Identity-Theft-to-Steal-Your-Equity The dramatic rise in real estate prices has brought a lot of thieves out of the woodwork. They are now using identity theft to steal equity from homeowners. Charles Essmeier Thu, 16 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9415/1/New-Bankruptcy-Law-%96-Targeting-the-Wrong-People%3F The recently passed bankruptcy legislation was written to discourage the financially irresponsible from filing for bankruptcy out of convenience. It appears that this legislation may be both misguided and targeting the wrong people. Charles Essmeier Wed, 15 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9394/1/Donating-Cars-To-Charity---New-Tax-Rules On June 3, 2005, the IRS released guidance on charitable deductions for donated vehicles. The American Jobs Creation Act (AJCA) radically changed the amount of the deduction taxpayers can claim for their donated car. Richard Chapo Tue, 14 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9389/1/Home-Buyer-Beware-%96-Know-the-Signs-of-Real-Estate-Market-Trouble There are several indicators that the booming real estate market may be about to peak. The savvy buyer should watch out for signs of trouble. Charles Essmeier Mon, 13 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9379/1/RETIREMENT-IS-A-NUMBERS-GAME Someday you may want to retire, BUT you have to have enough money to continue your present lifestyle. Wall Street puts that estimate somewhere between a million dollars or maybe half that. Of course your house will be completely paid for and you won??t have any other large debt. Dream on. elva chen Sun, 12 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9378/1/How-to-Save-Money-for-Retirement Tips on how to save money for retirement regardless of how little or large your current paycheck is. Marilyn Pokorney Sun, 12 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9375/1/Highlights-of-IRS-List-of-2005-Tax-Scams Each year, the IRS lists various scams taxpayers get caught up in. The top 2005 scams include several that manipulate laws governing charitable groups, abuse credit counseling services or rely on refuted arguments to claim tax exemptions. The agency is warning taxpayers about the growth of identity theft schemes with some particularly bold thieves even pretending to be IRS agents. Richard Chapo Sun, 12 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9373/1/Selling-Strategies---Setting-a-Stop-Loss Sometimes the best way of lowering exposure to risk is not to invest at all! However, when we make the decision to jump into the muddy waters of the stock market, its always a good idea to have a life jacket ready, just in case. We all have stories of that \"must have\" \"can\'t lose\" stock that looking back, we didn\'t really need to buy, and it definitely lost. So, how to best protect yourself when the markets disagree with your due diligence? Trailing stop loss. Christopher Smith Sat, 11 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9364/1/Section-179-%96-Tax-Relief-From-Depreciation-Rules "Depreciation." For business owners, this word is the one most likely to inspire headaches and fits of cussing. The expanded provisions of Section 179 are just the medicine you need to cure the depreciation blues. Richard Chapo Sat, 11 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9359/1/Fixer-Uppers%3A-What-To-Fix Are you thinking about buying a house to fix up and sell? Be careful to fix the right things. Steve Gillman Fri, 10 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9357/1/Home-Loans-and-Mortgages-%96-The-Selection-Can-Be-Bewildering ©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and HomeEquityHelp.net, a site devoted to information on home equity loans. Charles Essmeier Fri, 10 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9342/1/How-to-use-a-Home-Equity-Line-of-Credit-Calculator There is luckily a very helpful tool that will take the guess work out of home equity loans. Before you commit to anything, you should play around with a home equity loan calculator to determine how much you can borrow. John Ross Thu, 09 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9315/1/Home-Equity-Line-of-Credit-%96-Great-Idea-for-Rainy-Day-Emergencies Applying for a home equity line of credit before you need one will allow you to have a source of funds should emergencies arise in the future. Charles Essmeier Tue, 07 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9305/1/Debt-Consolidation-%96-Discipline-is-Required-if-Consolidating-with-Home-Equity Borrowing against the equity in your home is a great way to consolidate debt. But it can backfire if you aren't careful. Charles Essmeier Mon, 06 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9294/1/User-guide-to-payday-loan-terminologies Some of the terminologies and definitions a customer need while approaching for a payday loan cash advance are assembled here. Please go through and gain the wisdom to make prefect decisions. Angelina Rosario Mon, 06 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9285/1/LEMMINGS-ARE-GATHERING Before they go over the cliff to their destruction these little furry ones get together for a party and celebration. Each tells the other how smart he has been with his investments and buying and selling of stocks and real estate. elva chen Sun, 05 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9284/1/Home-Equity-Increases-%241-Trillion-in-Five-Years-%96-Is-the-Market-Peaking%3F The huge increase in California home equity and in the number of interest-only mortgages suggests that the real estate market may be peaking. Buyers should be careful. Charles Essmeier Sun, 05 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9263/1/New-Bankruptcy-Law-%96-Where%92s-the-Consumer-Protection%3F The title of the recently passed bankruptcy law promises consumer protection. In actuality, it offers little, if any, protection at all for consumers. Charles Essmeier Fri, 03 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9257/1/Credit-Cards-and-Home-Equity-Loans-%96-Read-the-Fine-Print The "fine print" in credit card statements, home equity loan and mortgage contracts can contain some expensive clauses. Watch out. Charles Essmeier Thu, 02 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9252/1/Credit-Report-%96-Check-Yours-Regularly%85and-for-Free The Fair Credit Reporting Act allows everyone to check his or her credit report for free. The program expands to the Southeast this week, and everyone who is eligible should take advantage of it. Charles Essmeier Thu, 02 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9240/1/Truly-Bizarre-Taxes%3A-The-Tax-on-Illegal-Drugs One can never underestimate the enthusiasm that politicians have for trying to hunt up tax revenues. The creativity of some politicians can lead to bizarre taxes and unfortunate results. Richard Chapo Wed, 01 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9230/1/Home-Equity-Loans-%96-Research-Your-Lender-Carefully The booming home equity loan and mortgage market has brought a number of shady lenders to the surface. Be careful when you borrow. Charles Essmeier Wed, 01 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9228/1/Reverse-Mortgage-%96-Be-Sure-You-Need-It-Before-Applying-For-One Reverse mortgages are useful tools for those who need extra cash during their retirement years. Be aware that there are costs associated with them and that they may not be right for you. Charles Essmeier Wed, 01 Jun 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9221/1/Debt-Consolidation-%96-Ways-to-Save-on-High-Gas-Prices Memorial Day started off the annual summer vacation blitz. Here are a few tips on how you can save money on gasoline. Charles Essmeier Tue, 31 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9177/1/HEDGE-FUND-ADVERTISING Have you seen all those big full page ads for hedge funds in the Wall Street Journal, the Financial Times, Investors Business Daily? You haven\'t. Maybe they are being drowned out by the regular mutual funds who continually tell you how great they are. Shucks! I forgot. Hedge funds are not allowed to advertise. I wonder why. Maybe they think that their potential customers are too dumb to know that hedge funds are a poor investment. Could be. The Securities and Exchange Commission is trying to protect investors - I think? elva chen Sun, 29 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9166/1/Make-Money-With-Fixer-Uppers If you want to buy a house, fix it up and sell it for a profit, don\'t make the mistake most investors make. This is the right way to do it. Steve Gillman Sat, 28 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9164/1/Maximise-your-compound-interest%2C-FREE-mortgage-quote why would you ever continue to GIVE YOUR MONEY TO SOMEONE ELSE? Luke Goodin Sat, 28 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9161/1/Debt-Consolidation-%96-Watch-out-for-Payday-Loans Payday loans are convenient, but if you aren't careful, you can end up with a lot of debt in a hurry. Charles Essmeier Fri, 27 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9160/1/New-Bankruptcy-Law-Will-Not-Protect-You-from-Identity-Theft The new, stricter bankruptcy law recently passed by Congress does not protect you from debts incurred through theft of your identity. Here are some tips on how you can avoid this problem. Charles Essmeier Fri, 27 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9159/1/Debt-Consolidation-%96-Can-You-Negotiate-with-Your-Credit-Card-Company%3F If you have more credit card debt than you can handle, it may be possible to negotiate a deal with your credit card company. Charles Essmeier Fri, 27 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9139/1/Online-Home-Equity-Loans%3A-A-Basic-Glossary Home equity loans can be a great idea for individuals looking to get out of debt or make necessary repairs on their homes. During the process, you will come across a variety of terms and acronyms. We have gathered together some of the basic terms that you come across during your home equity loan. John Ross Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9138/1/Home-Equity-Loans-Company---7-Key-Questions-to-Help-You-Choose-One. Choosing the right home equity loan can be tricky; you have to consider interest rates and repayment schedules, among others. Choosing the right lender, however, does not have to be a difficult task. If you ask the right questions, you can pick the best lender for your needs. The following is a list of seven essential questions that you should ask any potential lender. John Ross Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9137/1/Utah%2C-the-Nation%92s-Bankruptcy-Capital Family-friendly Utah, with a diverse workforce and a historically strong work ethic, has the Nation's highest bankruptcy rate. What's the story? Charles Essmeier Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9135/1/Home-Equity-%96-Is-it-Time-to-Cash-Out-and-Move%3F The tremendous increase in home prices in California and elsewhere has provided many homeowners with a lot of equity. Should you cash out and move? Charles Essmeier Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9130/1/Seecrets-on-Investment%3A-Tired-of-making-huge-losses-in-the-stock-market-%96-Part-1 Introduction to Stock Market Investing - Part 1 of 2 Stan Seecrets Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9129/1/Seecrets-on-Investment%3A-Tired-of-making-huge-losses-in-the-stock-market-%96-Part-2 Introduction to Stock Market Investing - Part 2 (Concusion) Stan Seecrets Wed, 25 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9122/1/Real-Estate-Clubs-Hot-Among-Investors Yesterday's tech stock investors are today's real estate investors. Real estate clubs are forming all across the country so that like-minded investors can meet. Charles Essmeier Tue, 24 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9117/1/Interest-only-Mortgages-Have-Their-Pitfalls Rising home prices have inspired more homeowners to take out interest-only mortgages. This idea may not be for everyone. Charles Essmeier Tue, 24 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9116/1/New-Bankruptcy-Legislation-May-Make-it-Harder-to-Find-an-Attorney Changes in bankruptcy law will make it harder to file for bankruptcy. They may also make it harder to find legal help. Charles Essmeier Tue, 24 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9115/1/Minimum-Credit-Card-Payments-to-Rise Several major credit card companies are preparing to raise the minimum payment amounts. Borrowers should be aware of these changes. Charles Essmeier Tue, 24 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9100/1/Student-Loans-Can%92t-Be-Swept-Away-Through-Bankruptcy While bankruptcy can eliminate most debts, there are some that cannot be absolved. Student loans fall into that category. Charles Essmeier Mon, 23 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9099/1/Change-in-Texas-Law-May-Make-Reverse-Mortgages-More-Popular Texas has always been reluctant to allow its citizens to borrow against their homes equity. A change in the law that makes it easier to take out a reverse mortgage may happen soon. Charles Essmeier Mon, 23 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9055/1/Mandatory-Credit-Counseling-for-Those-Considering-Bankruptcy The new Federal bankruptcy bill requires mandatory credit counseling for those considering filing for bankruptcy. What does this mean for those with problem debt? Charles Essmeier Fri, 20 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9050/1/A-Guide-to-UK-Buy-to-Let-Mortgages A brief informative guide to Buy to Let mortgages in the UK. What should you do before you buy? Why should you talk to an accountant? How do you plan your cash requirements? Darren Yates Fri, 20 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9027/1/Free-Credit-Report-%96-Watch-Out-for-Scams You can receive one free credit report per year through a Website set up by the Federal government. Beware of scams from companies promising "free" credit reports. Charles Essmeier Tue, 17 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/9024/1/Applying-for-credit-cards-online A walk through the process of comparing credit cards and a brief look at the online application process. Neil Brown Tue, 17 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8977/1/Are-you-ready-for-a-40-year-mortgage%3F High real estate prices may make the previously obscure 40-year mortgage more common, allowing people to purchase homes they otherwise could not afford. Charles Essmeier Fri, 13 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8952/1/Make-More-Money-With-Mobile-Homes Mobile homes can be much more profitable than other types of rental real estate. Learn why. Steve Gillman Thu, 12 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8936/1/Home-Equity-Loan-%96-Beware-of-equity-stripping-scam Some mortgage deals seem to be too good to be true. Be aware of unscrupulous lenders that may not have your best interests in mind. Charles Essmeier Wed, 11 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8935/1/Bankruptcy-Interest-Increases-as-Deadline-Approaches Bankruptcy attorneys report that inquiries are up dramatically as those with financial trouble ponder filing for bankruptcy before the new law takes effect. Charles Essmeier Wed, 11 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8929/1/Debt-consolidation-%96-Consolidate-Your-Student-Loans-Now%21 The interest rate on Federal student loans is about to rise. Now is the time to consolidate your loans. Charles Essmeier Tue, 10 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8919/1/Mutual-Fund-Expense-Lies All the facts are not in the prospectus. Al Thomas Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8914/1/Build-Equity-Faster-With-Mobile-Homes The advantages of mobile homes are as real as the prejudice against them. Did you know you can increase your net worth faster with a mobile home than with a stick-built home? Steve Gillman Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8907/1/Financing-A-Business The financing of a business is a relatively straightforward process, if you are aware of what lenders are looking for and generally what they will and will not do. The will be looking at your credit, your experience and the sort of down payment you have and information about what sort of note the seller is willing to take back when selling you the business. Willard Michlin Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8905/1/Death-%26-Taxes Have you ever owned a stock, or piece of real estate that you wanted to sell? You felt the time was right to take your profit and run. Did you then not follow through with the sale because "the taxes would kill you?" This is what I call "making a decision based on taxes." It is not "Good Horse Sense." What is horse sense? This is where the horse knows that a certain spot is dangerous and it will not step there. The rider, not seeing the danger, sometimes pushes the horse to move forward, but the horse refuses. People quite often will not trust their "sense." Women are known for their "instincts" about people. Men are not always as "sensitive" of their instincts as women are. Lets get back to business instincts. Willard Michlin Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8902/1/Credit-Cards--%96-What-is-the-%93Universal-Default-Clause%94%3F Many credit card lenders have a policy that allows them to increase your interest rate if you pay anyone late. Charles Essmeier Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8898/1/Structured-Settlements-%96-Should-You-Sell-Yours%3F If you are receiving payments for an accidental injury through a structured settlement, you may be approached by companies offering to buy your payments in exchange for a lump sum. Should you sell? Charles Essmeier Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8897/1/Best-Small-Investment-Ever%21 Why is it that the older and richer people become, the more conservative they are with their money? Have you ever done or know someone who has made an investment that promised a 10% interest or profit per month? Everyone wants to make above average profits. It is amazing how many people will send their very hard earned money across the world to Nigeria or to Boca Rattan, Florida on the promise of a telephone acquaintance to make them much richer. People give their money to complete strangers in hopes of making more money. Willard Michlin Mon, 09 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8885/1/Who-Wants-A-%2410%2C000-House%3F There isn\'t a zero missing in that title. There are houses in nice towns around the country that you can buy for as little as $10,000. Steve Gillman Sun, 08 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8884/1/MUTUAL-FUND-EXPENSE-LIES When purchasing mutual funds we are cautionedto read the prospectus, look at past performance, check out the fund manager\'s record and see what their expense ratios have been. We are also told that we should not buy funds with expenses exceeding 1% to 1.5%. When you ask the fund salesman (don\'t forget he\'s a salesman) he will assure you that the fund expenses are whatever is shown in the prospectus. He is telling you the truth, but not the whole truth, according the Securities and Exchange regulations. In many cases he has left out a big chuck of expenses. youstop Sun, 08 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8874/1/Debt-consolidation-%96-More-Options-for-Reducing-Credit-Card-Costs Credit card debt has always been expensive; it may soon become more expensive than ever. Here are some tips to keep the costs down. Charles Essmeier Sat, 07 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8873/1/Consolidating-debt-with-a-personal-loan A look at how a consolidation loan can improve personal finances and also how it can make them worse. Neil Brown Sat, 07 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8865/1/Debt-consolidation-%96-Options-for-Reducing-Credit-Card-Costs Using credit cards can be expensive, but it doesn't have to be if you use them wisely. Charles Essmeier Fri, 06 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8850/1/Home-Equity-Loan-%96-Beware-of-the-lingering-lien%21 Many people are surprised to find that liens from old home equity loans are still on the books, affecting both your credit report and your ability to obtain a new loan. Charles Essmeier Thu, 05 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8834/1/Debt-consolidation-%96-Options-for-Reducing-Your-Debt There are several good options available for reducing both your interest rate and your monthly loan payments. Charles Essmeier Tue, 03 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8826/1/Payday-loan%3A-A-Complete-overview What is a payday loan? What are the things we should consider before opting for a payday loan cash advance?-A guide to a first time payday loan consumer. Angelina Rosario Tue, 03 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8825/1/Home-Equity-Loan-%96-Not-just-for-home-repairs%2C-and-tax-deductible%2C-too%21 Many people are surprised to find that home equity loans have tax-deductible uses other than home repairs. Charles Essmeier Mon, 02 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8824/1/The-POWER-of-a-Proven-Stock-Market-Investment-Plan With the right type of investment plan and investment choices all worries of losing money in the stock market will disappear. Charles OMelia Mon, 02 May 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8802/1/Structured-Settlements-Offer-Advantages-over-Lump-Sum-Payments If you are injured in an accident and sue for damages and medical expenses, you may benefit more from long-term payments through a structured settlement rather than accepting a single payment. Charles Essmeier Sat, 30 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8800/1/Structured-Settlement-%96-Guaranteed-Income-for-those-with-Disabilities A structured settlement is an increasingly popular alternative to a lump sum payout in cases of accident or long-term disability. Charles Essmeier Fri, 29 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8793/1/Home-Equity-Loan-%96-A-Reverse-Mortgage-Could-Provide-a-Comfortable-Retirement%21 Reverse Mortgages, a form of home equity lending, have other uses besides funding nursing home expenses. Charles Essmeier Fri, 29 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8787/1/Home-Equity-Loan-%96-With-a-Reverse-Mortgage%2C-Your-Home-Pays-You%21 Unlike a traditional home equity loan, a reverse mortgage requires no repayment for as long as you live in your home. Charles Essmeier Thu, 28 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8775/1/Mortgage-Tips-For-The-Frantic Tips on preparing for and getting your mortgage, and what to do when you\'ve got it. T. O' Donnell Wed, 27 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8774/1/Simple-Tips-For-Getting-Your-Loan What to do, and what not to do, when preparing to get a loan. T. O' Donnell Wed, 27 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8771/1/Home-Equity-Loans-%96-Beware-of-Appraisal-Fraud A new study shows that the home appraisal industry may be overestimating the values of homes in order to generate more loans. Are you borrowing more money than your home is worth? Charles Essmeier Wed, 27 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8767/1/How-easy-is-it-to-get-a-Commercial-Mortgage-in-the-UK Need to source the best Bridging Finance available quickly, try independent commercial brokers Commercial Lifeline, specialists in Commercial Bridging Finance and Commercial Mortgages. Darren Yates Wed, 27 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8754/1/Home-Equity-Loan-or-Home-Equity-Line-of-Credit-%96-Which-is-right-for-you%3F The two primary ways of borrowing against your home's equity are the home equity term loan and the home equity line of credit. Each has advantages and disadvantages. Which one is right for you? Charles Essmeier Mon, 25 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8753/1/Debt-Consolidation-with-Free-Government-Grants%3F-One-Scam-to-Avoid Various companies in the print media, radio and television are promising "free grant money" for debt consolidation purposes. Is this for real? Charles Essmeier Mon, 25 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8752/1/Credit-Report-%96-How-to-Improve-Your-Credit-Score The mysterious "credit score" that determines your borrowing abilities can be improved. Here are a few tips. Charles Essmeier Mon, 25 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8746/1/Debt-Consolidation----Choose-Your-Credit-Counselor-Carefully New bankruptcy legislation will require credit counseling for those seeking bankruptcy. Here is how you can choose a counselor carefully. Charles Essmeier Sun, 24 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8745/1/Home-Equity-Loan-vs.-401%28K%29-Loan-%96Which-should-you-choose%3F Those interested in home improvements might want to borrow from their 401(K) plan instead of taking out a home equity loan. Is this wise? Charles Essmeier Sun, 24 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8743/1/STOCK-MARKET-INSANITY We are now seeing the stock market head down again as it did in 2000. Brokers, mutual fund managers and financial planners hopefully will not be repeating their same errors that cost investors seven (7) trillion (with a T) dollars. Unfortunately they will be working with the same deficient knowledge as before. youstop Sun, 24 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8741/1/BEST-INVESTMENT Every week I write something about the stock market - how to, when to and where to put your money and how to protect it from loss if you do.This week I will say something very important to the young folks about success. And you parents take note if your kids are still young. youstop Sat, 23 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8740/1/Bridging-Finance-Basics Commercial Lifeline are independent Commercial Mortgage brokers saving you money on your Commercial Mortgage and Bridging Finance through lender choice. Download our free Commercial Mortgage guides by visiting our Commercial Mortgage Guide page. Darren Yates Sat, 23 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8723/1/0%25-Credit-Cards A comparison of the benefits of 0% credit card offers such as balance transfers and purchase offers. Neil Brown Wed, 20 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8703/1/CASH-IS-A-POSITION I go to the Money Show every year to visit with friends who have booths and are speakers. Then when folks are filing out of lectures I listen to their comments on what I know the speaker has been saying. youstop Sun, 17 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8688/1/An-Economical-Retirement-Investment-Plan Before making any stock market investments know exactly what you expect from those investments. Have the patience for the investments to fulfill the expectation, and the wisdom to know exactly how the investments will fulfill the expectation. Charles OMelia Fri, 15 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8672/1/Benefits-Tailored-to-the-Changing-Needs-of-Canadians Designing a customized benefits plan Anna Dorbyk Thu, 14 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8671/1/The-Average-Profile-of-Customers-Opting-for-a-Payday-Loan-Cash-Advance Who are the customers opting for a payday loan? What is the average customer profile of payday loan cash advance? Angelina Rosario Wed, 13 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8643/1/THE-ALCHEMIST MY NEIGHBOR GOT A NEW CAR I don't know what kind it is, but I saw iton TV running full speed along the shore (I don't live near the shore) throwing up spray or maybe it was that one climbing up the steep mountain trail thru the mud, rocks and snow. Very exciting. (I don't live near the mountains either.) WOW! Just what I need. youstop Sun, 10 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8606/1/Yacht-and-Ship-Registration-in-the-Isle-of-Man The maritime history of the Isle of Man dates from the eighteenth century and the Island is recognised internationally as an efficient and well- run centre for both registration and management. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8605/1/Taxation-of-Isle-of-Man-Companies-from-April-2006 At the present time a company incorporated in the Isle of Man, owned by non-residents and which complies with the other statutory requirements, is not liable to Isle of Man taxation. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8604/1/Residential-Property-Abroad It is increasingly common for individuals to own more than one property and in many cases the first investment after the family residence is in a holiday home. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8603/1/Continuing-change-in-the-Offshore-World The offshore financial centres have been forced in recent years to review almost every aspect of the ways in which they operate in response to the international anti- money laundering laws and initiatives by major economies such as the E.U. and the U.S.A. to increase co-operation in the areas of preventing tax avoidance and tax evasion. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8602/1/Buying-property-in-Portugal Portugal has long been a popular choice for people, particularly from the colder climates of Northern Europe, looking to purchase a holiday home or a retirement home. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8601/1/Buy-to-Let-Property-Investment In recent years buy to let has been a popular way of investing in residential property. Chris Evans Mon, 04 Apr 2005 00:00:00 PDT http://www.valuablecontent.com/articles/8596/1/FROG-IS-IN-THE-POT You remember the story about the frog that was put into a pot of cold water on the stove. He was not concerned. Someone lit the burner and the water began getting warm, the frog was very comfortable and as the water became warmer hewas so relaxed and complacent that he fell asleep - never to awaken. youstop Sun, 03 Apr 2005 00:00:00 PST http://www.valuablecontent.com/articles/8566/1/Investing-in-Dividend-Paying-Stocks : "He, who could foresee events 3 days in advance, would be rich for thousands of years." Chinese Proverb Charles OMelia Wed, 30 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8532/1/Are-Biweekly-Mortgages-Really-Worthwhile%3F Credit expert Jeanette Fisher tells how to save mortgage interest charges, without paying extra fees. Jeanette Fisher Mon, 28 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8522/1/CHECK-FRAUD Did you know that the UCC (Uniform Commercial Code) regulations place responsibility for forgery losses partially on bank customers, rather than solely on the banks? But in addition to this exposure, there can be significant expenses and lost time investigating the crime, not to mention damage to your credibility and reputation. youstop Sat, 26 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8506/1/How-to-save-money-by-using-an-Independent-Commercial-Mortgage-Broker Why wouldn\'t you want to save money? How can an Independent Commercial Mortgage Broker do that for you? Could it be your Bank is taking advantage of you? Darren Yates Fri, 25 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8461/1/Credit-Score%3A-the-brightest-feather-in-your-financial-cap Credit scores are the most important aspect that determines your financial future. Carrying a good credit score is an asset and can pave your future towards greener pastures. On the other hand a negative marking on your credit report can be ruinous for your future dreams. Sarah Jones Mon, 21 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8460/1/Credit-Card-is-adding-the-silver-lining-to-your-pocket Credit cards have added to our economic flexibility and have rendered us with instant cash at times of need. At the same time it has also provoked hundreds of people to make impulsive and hasty decisions while spending money. Sarah Jones Mon, 21 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8457/1/The-Dow-Theory Although the Dow Theory has withstood the test of time and has been most efficient in timing the market over the last one hundred years, it remains one of the most misquoted and misinterpreted market-timing methodology to this day. Henry To Mon, 21 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8393/1/Tax-Reduction-Tips In the rush to get tax returns prepared and filed by April 15th, many overpay their taxes. Following are a few tax reduction tips that could help you save a bundle. Richard Chapo Tue, 15 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8389/1/Stock-Market-Retirement-Investment-Plan Why bother beginning a retirement plan is best expressed, in my opinion, by a quote by Charles Kettering: "I expect to spend the rest of my life in the future, so I want to be reasonably sure of what kind of future it's going to be. That is my reason for planning." Charles OMelia Mon, 14 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8380/1/401%28k%29-Plans 401(k) Plans are now more flexible than ever! Charles OMelia Sat, 12 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8344/1/Buy%3A-Hold%3A-Sell%3A-Jump I'm sitting here at my computer desk with a cup of coffee at my elbow. The coffee rest in a mug, the mug garnished with the words Buy, Hold, Sell, Jump, vertically along its sides. Emblazoned across the top of the cup are the words, Wall Street, which encircles the upper portions of the mug. The handle of the mug is quite ornate, rounded at the bottom, with a cradle in the handle's top. In the cradle is a die, with a small metal pin through the die, which enables my thumb to spin the die. Instead of numbers, as in a pair of dice, the die's choices are Yes, No, and ?. And, lo and behold, an article is born. Charles OMelia Mon, 07 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8314/1/Are-You-In-The-Market-For-a-Car-Loan%3F Car loans are a tempting way to purchase a new car. While they provide for easy access to a car, these loans can get quite expensive if you do not know enough about what you are getting into. Simple research will provide you with information that can save you some real expenses. Even if you are getting a used car loan or a car title loan, you need to understand what you are getting into. youstop Sat, 05 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8310/1/Affordable-Insurance-Quotes-To-Save-You-Money%21 Whether you\'re looking for insurance quotes for auto, life, travel or health you can find some great rates on the internet. Insurance quotes coverage can provide peace of mind and also financial coverage in the event that something untoward happens. youstop Sat, 05 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8309/1/A-College-Loan-Will-Finance-Your-Education%21 A college loan has given people all over the United States a chance to further their education, even if they are not making a lot of money. Education loans can be a big help in paying for college. You\'ll find these loans offer a low interest rate and a generous repayment period. Of course, student loans must be repaid, usually with interest, although some education loans have provisions for cancellation if the borrower performs a program-related service. If you are looking for a loan, be aware that there are many different types of loans. Try to find the student loan that fits you the best. For example, there is a loan called the Federal Stafford Loan. The Federal Stafford Loan is the most widely used loan in the student education loan program. Federal guidelines limit the maximum interest rate to no more than 8.25% and outline repayment terms of up to 10 years. Remember that if you ever need help or are falling behind on payments, consider a consolidate student loan. youstop Sat, 05 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8274/1/It-Must-Be-Joe-Cocker%5C%27s-Market Volatile, Entertaining, and Mesmerizing- definite similarities exist between a Rock N Roll icon and the stock market. Your choice is to dance with the music or turn off the radio. Kemberly Wardlaw Thu, 03 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8243/1/What-to-check-out-when-you-apply-for-a-payday-loan It pays to do some basic research before you finalize a payday loan provider. Here are seven things you should look at. Prakash Menon Tue, 01 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8242/1/Facts-you-should-know-about-loan-types Are you confused by lending terms like adjustable rate loans, revolving credit, collateral, etc? Before you finalize a loan contract, you should know what such terms really mean. Read on to get the inside scoop. Prakash Menon Tue, 01 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8241/1/Why-bank-overdrafts-may-be-a-bad-deal-for-you Banks often say that having overdraft protection on your account is an excellent idea. They might have been right, except for one little thing. Read on to find out more. Prakash Menon Tue, 01 Mar 2005 00:00:00 PST http://www.valuablecontent.com/articles/8235/1/How-to-create-wealth-in-the-stock-market First and foremost, an opportunistic strategy for creating wealth in the stock market is needed. And the opportunistic strategy for creating wealth in the stock market must have two ingredients, a plan and a goal. The plan must be a definite, concrete plan of investing that would profit you and your family for the rest of your lives. Charles OMelia Mon, 28 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8209/1/Good-Stock-Market-Tip%3B-Good-Return%21 When you focus on the amount of money your holdings are providing in dividends - and when those companies selected have a history of raising their dividends each year - a lower stock price allows the dividends that are being rolled back into the stock to accelerate your income. Charles OMelia Thu, 24 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8203/1/Private-versus-Federal-Consolidation-Loans-%96-What%92s-the-Difference%3F Private versus Federal Consolidation Loans - What's the Difference? Vanessa McHooley Wed, 23 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8174/1/Securing-a-US-Commercial-Mortgage What's the most efficient way to secure a US Commercial Mortgage? and How do you avoid the potential mountain of paperwork. Darren Yates Fri, 18 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8173/1/The-Perfect-Mutual-Fund The perfect mutual fund is the one you build yourself! Charles OMelia Thu, 17 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8119/1/Wayne-Rogers%3A-From-Actor-To-Super-Investor It took a tragedy not far removed from Wayne Rogers to wake him up when it came to money and how to handle it. According to an interview he gave to the Financial Intelligence Report, Wayne had first met Peter Falk when the two shared a room in New York City. Falk, an accomplished film, stage and television actor, later suffered a financial trauma not uncommon to many other celebrities. In the 1970s while both the longtime friends were living and working in Hollywood, Peter Falk became a victim of fraud. William Knell Mon, 07 Feb 2005 00:00:00 PST http://www.valuablecontent.com/articles/8069/1/Sitcom-Investing Investing for your financial future is no laughing matter. However, incomplete and generalized media comments can be filled with jeering remarks to better educate and investor. Kemberly Wardlaw Thu, 27 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/8029/1/Choosing-A-New-Credit-Card A look at the many things to consider when choosing a new credit card. Neil Brown Tue, 18 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/8027/1/Getting-The-Perfect-Credit-You-Deserve In An attempt to describe perfect credit it is almost impossible to put into words because perfect credit is a myth. The best the majority of consumers can achieve is good credit, and this is due to the fact that we are human, and as humans we have a tendency to err. Yet, good credit is still a goal that is still unattainable by a large number of consumers because their credit is damage at a young age. T.B. Collins Tue, 18 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/8013/1/What-is-Bridging-Finance%3F Once you understand what the term, "Bridging Finance" means, it's easy to understand how it got its name. Darren Yates Sat, 15 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/8012/1/US-Commercial-Mortgage-Basics Commercial mortgage loans are used when purchasing structures such as office buildings, apartment complexes, health care facilities and retail outlets. Darren Yates Sat, 15 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7986/1/Top-10-Secrets-to-Avoiding-Marital-Money-Chaos Money can wreck a relationship but if the two of you can improve your relationship with money, you will also improve your marriage. Money can be romantic! Cindy Morus Mon, 10 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7980/1/Developing-A-Credit-Rebuilding-Strategy Developing a credit rebuilding strategy is not as complicated as it may seem, but it can be time consuming and the process can be frustrating. Dealing with consumer reporting agencies, the agencies responsible for maintaining the credit files of consumers, requires that you know the laws that govern these agencies and how to use them to your benefit. The Federal Trade Commission has developed a set of laws that protects the consumer, and the most important of these laws is the Fair Credit Reporting Act, this law gives the consumer the right to make sure their credit report is accurate and up-to-date. T.B. Collins Sun, 09 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7973/1/Credit-In-The-Modern-World Credit is in every avenue of the modern day world, you can not make a major purchase without the use of credit this includes a auto or a home purchases. But, many consumers are unaware of how their credit stands, and are usually surprised when applying for a credit card and they are rejected. This is commonly due to negative entries on their credit report, or out-of-date information that does not match the information supplied on the credit application. Because of this the credit report has become the mainstay of judging a consumers ability to repay a debt, and the credit report is based on the past payment history of the consumer T.B. Collins Fri, 07 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7956/1/Refund-Anticipation-Loans----More-Harm-than-Help Why pay to borrow your own money. Refund anticipation loans cost more than their worth. Drahcir Semaj Wed, 05 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7952/1/Increasing-Your-Credit-Score The credit score is based on information about you and your credit experiences, such as your bill-paying history, the number and type of accounts you have, late payments, collection actions, outstanding debt, and the age of your accounts. This information is collected from your credit application and your credit report, and use to determine your score T.B. Collins Tue, 04 Jan 2005 00:00:00 PST http://www.valuablecontent.com/articles/7939/1/Understanding-UK-Bridging-Finance Bridging finance is typically a short-term loan that a business uses to supply cash for a real estate transaction until permanent financing can be arranged. The word \"bridge\" conveys the fact that the loan is designed to get you over a temporary obstacle. Darren Yates Thu, 30 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7938/1/Understanding-a-UK-Commercial-Mortgage In many ways a commercial mortgage is just like a residential mortgage in that you pledge real property as collateral against a loan to either buy or refinance that property. You can also receive a commercial re-mortgage and use it as a line of credit for any business purpose. Darren Yates Thu, 30 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7936/1/Knowing-Your-Credit-Rights The Federal Trade Commission has established a set of laws to protect the consumer from abuses by credit reporting agencies. These laws are designed to make sure that the consumer's credit file is accurate and up-to-date; this law is commonly known as the Fair Credit Reporting Act. T.B. Collins Wed, 29 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7931/1/Rebuilding-Better-Credit-and-Improve-Your-Credit-Score Today, good credit is the one constant necessity needed to succeed in any endeavor, from starting a new business venture to purchasing a home. Without having established prior good credit and maintaining this status, re-establishing decent credit can be a very difficult task T.B. Collins Fri, 24 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7906/1/Legally-Clearing-Your-Credit Over the past several years credit repair organizations have gained a bad reputation due to unscrupulous companies stating that they can clear your credit report. Clearing your report was not the problem, but stating that they could give you a clean credit report or a new credit file was. T.B. Collins Tue, 21 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7884/1/Housing-Bill---Changes-in-Right-to-Buy-Mortgages Third party companies have been making money by taking advantage of the current loopholes in the right to buy scheme. There is now a Right to Buy Housing Bill before the House of Lords containing proposals to prevent this happening which is due to become law during this parliamentary term. Nicola Bullimore Wed, 15 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7880/1/Negotiating-Rates-with-your-Credit-Card-Company Don\'t be shy when it comes to negotiating a better deal with your credit card provider. After all, as a valued customer, they rely on you for business. So put your negotiating hat on, brush up on your communication skills and start negotiating a better credit card deal. Claire Bowes Tue, 14 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7879/1/How-Web-Masters-Can-Start-a-Home-Based-Business-Using-Credit-Cards If you\'ve been longing to start a home-based business but don\'t have the funds to get started, don\'t despair. You can use your credit card to initially finance your business venture - but you must use your credit card wisely. Here are some tips on how to get started with your home based business using credit cards. Claire Bowes Tue, 14 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7858/1/How-Balance-Transfers-Can-Help-You-Stop-Putting-Money-Down-The-Drain%21 0% balance transfers are one of the best things that has happened within the credit card industry. Take advantage of these great offers and constantly look for the best deals - learn to use balance transfers to your advantage and not the credit card companies! Claire Bowes Mon, 06 Dec 2004 00:00:00 PST http://www.valuablecontent.com/articles/7814/1/Justify-Social-Security...-Don%5C%27t-Save-for-Retirement The current Social Security environment presents issues of tremendous importance. Reliance on the system may be necessary for those close to retirement, but a foolish decision for those decades away from benefits. Kemberly Wardlaw Fri, 19 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7811/1/UK-Debt-When-Moving-Abroad The number of people in the UK who move abroad to escape debt problems are increasing. Can they really escape? or are creditors getting smart? Nicola Bullimore Fri, 19 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7734/1/Monaco-Might-Lose-Its-Status-of-Personal-Income-Tax-Haven Monaco has taken measures regarding its finacial policy to comply with the European directions. This will probably result in loss of the Principality\'s fame of personal income tax haven. Laura Ciocan Mon, 08 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7733/1/The-Effects-of-Consumer-Debt Consumer borrowing in the UK has now crashed through the ?1 trillion barrier. 80% of this is due to credit card borrowing, loans and mortgages. How are people managing to handle their debt and what effect is debt having on families today? Nicola Bullimore Mon, 08 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7726/1/Merchant-Accounts---How-to-Save-Money Learn How to Save $1,200 per year just by switching your merchant account provider. Ben Cloutier Sat, 06 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7720/1/Las-Vegas-%5C%22Whales%5C%22 Frank Rosenthale made his top five for the Las Vegas \"whales\": from high to highest, Jerry Buss, Adnan Khashoggi, Larry Flynt, Kamel Nacif and Kerry Packer. That was the situation in 2001, revealed by the former but still most famous handicapper in Las Vegas, who\'s life inspired the classic movie \"Casino\". Iulia Pascanu Fri, 05 Nov 2004 00:00:00 PST http://www.valuablecontent.com/articles/7505/1/The-ABC%5C%27s-of-Borrowing Some small business persons cannot understand why a lending institution refused to lend them money. Others have no trouble getting funds, but they are surprised to find strings attached to their loans. Such owner-managers full to realized that banks and other lenders have to operate by certain principles just as do other types of business. youstop Wed, 15 Sep 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7504/1/UNDERSTANDING-HOME-EQUITY-CREDIT-LINES Using a credit line to borrow against the equity in your home has become a popular source of consumer credit. And lenders are offering these home equity credit lines in a variety of ways. youstop Wed, 15 Sep 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7503/1/Finding-the-Best-Mortgage Shopping around for a home loan or mortgage will help you to get the best financing deal. A mortgage-whether it\'s a home purchase, a refinancing, or a home equity loan-is a product, just like a car, so the price and terms may be negotiable. You\'ll want to compare all the costs involved in obtaining a mortgage. Shopping, comparing, and negotiating may save you thousands of dollars. youstop Wed, 15 Sep 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7425/1/Defining-a-Long-term-Investment-In-the-Stock-Market For some \"long term\" would mean holding a stock position over the weekend. For others, it may mean holding a security for at least 1 year for the purpose of declaring a long-term capital gain, thus saving on taxes. Charles OMelia Sun, 29 Aug 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7403/1/The-Hawk-and-the-Mouse---Saving-for-Retirement There once was a hawk, ferocious and swift. He was young and agile with many years of life to hunt the open ranch lands. In a nearby field, a mouse scurried about the ground. The hawk saw the hurried motion and swept speedily toward the rodent. Wardlaw Sat, 14 Aug 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7362/1/When-to-Invest-in-the-Stock-Market%21 Is really not as important as to how you invest in the stock market. And how you invest in the stock market should take into consideration what goals you are setting for that stock market investment. For example, are you investing for capital appreciation or for income through dividend paying stocks? Charles OMelia Sat, 14 Aug 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7186/1/The-Perfect-Mutual-Fund Is the Mutual Fund you build yourself! The perfect Mutual Fund you build should have the objective of owning no more than 12 to 15 companies; owning shares in 12 companies would allow the diversity needed to sleep well at night and would provide a cash dividend every week of the year. Charles OMelia Sat, 24 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7132/1/Simple-Strategies-to-Making-Financial-Gain Now is a great time to make it a habit to manage your resources instead of your resources managing you. What is meant by that when we are stating that \"Your money manages you\"? Here is a well known example... B.F. Boggan Wed, 21 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7110/1/Investing-in-the-Stock-Market There are several factors an investor in the stock market should consider: 1. All stock purchases should be commission-free. 2. All stocks purchased should be from a company that has a history of raising their dividends every year. Charles OMelia Tue, 20 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/7096/1/Consumers-Beware---The-Profits-Are-In-The-Fine-Print \"Fees From Riskiest Card Holders Fuel Profits - Late Payers and Big Borrowers Are Becoming Cash Cows as Rates Balloon\" ... the headlines read in a recent article featured on America Online from the Wall Street Journal\'s Mitchell Pacelle. James H. Dimmitt Mon, 19 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/6995/1/ON-GUARD---Fraud-Spotter-26-Fake-Charities Telephone calls asking for contributions to a particular charity calls are common. Many of these are far from legitimate. There are so many charity organizations in operation that even the experts find it hard to keep them straight. Laura Quarantiello Mon, 12 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/6991/1/Stop-Loss-Information-and-Tips Every stock and mutual fund investment should come equipped with a feature called a \'Stop Loss\'. Unfortunately, most brokers only have that feature available on some stocks listed on some stock exchanges. Frank Jersey Sun, 11 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/6987/1/Be-Aware-of-Phishing-Scams%21 If you use emails actively in your communication, you must have received various messages claiming to be from Ebay, Paypal and a number of banks. A recent email as if from U.S. Bank Corporation that I received contains the subject \"U.S. Bank Fraud Verification Process\" and in the body of the mail it says \"We recently reviewed your account, and suspect that your U.S. Bank Internet Banking account may have been accessed by an unauthorized third party. Nowshade Kabir Sun, 11 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/6978/1/Saving-Money-at-Yard-Sales-is-Fun%21 In some areas they are mostly called garage sales, or rummage sales. Sometimes they are called yard sales. In Britain, I believe they have what they call \"car-boot\" sales. Whatever the name, it is a fun part of a frugal lifestyle. Here are some of the ways I have found to save money by shopping yard sales. Cyndi Roberts Fri, 09 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/6956/1/From-Zero-Cost-To...Fraud%21 Personalization! One of the decisive ingredients of a happy life --And equally true for a Web marketer. You are familiar about email personalization. Savvy marketers use it every time to address you by your first name in their emails for that \'extra punch\'. S. Kumar Thu, 08 Jul 2004 00:00:00 PDT http://www.valuablecontent.com/articles/28141/1/French-presidential-election%3A-Nicolas-Sarkozy%26%2339%3Bs-position-on-European-matters The French presidential election drew a lot of ink  Colette Desgorces Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25868/1/Debt-Settlement-Negotiation...-a-New-Possibility When looking for a new possibility on loans or credit lines, people should be very careful when choosing a debt settlement negotiation company, not making the decision based on publicity adds Richard Glen Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25583/1/Debt-Management%3A-Freeing-Yourself-from-Debt Debt management services can be found anywhere in the Internet. However, not all companies can bring a quality in service. But that is a topic that we will deal with in the future. Today, we will focus on the benefits of debt management. Jennifer Siegel Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25576/1/Endowment-Surrender%3A-How-To-Avoid-Getting-Short-Changed Endowment surrender is just one of the options open to you if you're thinking to cash in your endowment policy early. If you sell your endowment policy rather than surrender it, you can often receive a significantly larger sum for it. Tony Head Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25552/1/Arranging-a-funeral Suffering a bereavement is a difficult enough time without the stress of arranging a funeral. It can be an expensive business, though, so it pays to do your research and contact a few different funeral directors before making a decision. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25510/1/Flight-compensation%3A-your-rights It's really no fun when you're stuck in the wrong place or left hanging around in an airport because of flight delays and cancellations - and what's more it can leave you out of pocket. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25498/1/Nevada-Bankruptcy%2C-Following-the-Rules Facing your life after filing for Nevada bankruptcy is not an easy task. It always gets a lot harder before getting any easier. We, as a professional bankruptcy counseling company, always suggest people think twice before making this final decision Martin Rogers Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25479/1/Obtaining-probate This guide is an introduction to obtaining probate after someone's death in order to administer their estate. When someone dies, their finances, assets and belongings (i.e. their estate) have to be sorted out and distributed among those who are entitled to them. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25416/1/The-financial-cost-of-divorce Apart from all the emotional turmoil, there are so many practical matters that must be sorted out when a married relationship comes to an end. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/25327/1/Avoid-Bankruptcy-By-Making-Simple-Changes It is possible to avoid it  just by sketching contingency plans Martin Rogers Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/24746/1/Is-being-self-employed-the-right-thing-for-you%3F As well as being viable from a business perspective, it's also crucial that setting up a company is appropriate for your personal needs. It's a huge commitment that will require a lot of hard work, so you need to be sure that you're up to it and that your lifestyle can support it. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/24543/1/Top-10-Useful-Ideas-to-Plan-for-Your-Retirement If you are serious with your objectives in life, then it is now time for you to start thinking where and how to start with your retirement planning. There are essentially top ten useful moves to take when preparing for retirement. These steps must, however, be considered as they can help you obtain a comfortable life in the end after you quit from the work force. Pn reddy Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/23901/1/Protecting-yourself-from-identity-fraud Your identity is extremely valuable. You need it to prove who you are for various purposes in your day-to-day life, such as opening a bank account, obtaining a loan, getting a credit card, purchasing goods or services, applying for a passport or driving licence Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/23798/1/Gas-guzzlers%3A-the-cost-of-running-a-car-today We're a nation of car users - although not always by choice. Expensive and unreliable public transport systems have forced many of us onto the roads, but having a car certainly isn't a cheap alternative. The cost of owning a car, even if you don't use it much, is very expensive. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/23200/1/What-is-a-commercial-mortgage%3F A commercial mortgage is similar in principle to a residential mortgage except it is used to purchase a property or to raise capital for commercial purposes rather than domestic purposes. As with residential mortgages, the lender retains rights to the property until the loan is repaid in full. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/23199/1/Pocket-Money%3A-Financial-Lesson-for-Kids It's an age old problem for parents - how to handle pocket money for their kids. How much should you give them? How often? What should they spend it on? All these questions have troubled parents for generations. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/23063/1/Why-Falling-Property-Prices-Are-A-Good-Thing-For-Many-Home-Owners The last few years have seen solidly rising property prices in many parts of the world. Many home owners have been celebrating this fact thinking that they've done well on their "investment" in the property in which they live. In this article we explore why falling house would in fact have been better for many home owners. Andrew Nielsen Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/22773/1/Budgeting-for-your-Personal-Finance Most of us find ourselves having to part with our hard-earned cash almost on a daily basis to just keep ourselves going. Have you ever thought about exactly what you're spending though? A great deal of people never bother to budget - yet they could find themselves a lot better off by keeping an eye on their income and outgoings. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/22629/1/Bankruptcy%3A-a-concise-guide Bankruptcy is one method of getting out of debt. It is a court order that transfers responsibility for dealing with creditors to the Official Receiver, who also takes control of the debtor's money and assets and distributes them fairly to all their creditors. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/22628/1/Saving-for-your-child%92s-future Having children isn't cheap these days, especially in the long term - the older they get, the more they cost. Higher education prices continue to soar and it's almost impossible to get onto the housing market without having some capital or homeowner loans. Benedict Rohan Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21769/1/Bad-Credit-Cash-Advance-Services Bad credit cash advance services generally offer credits with little or no emphasis on your credit report. They also will not analyze your credit report but these bad credit cash advance services will keep an eye on the amount and frequency of your pay checks and your affordability to repay the debt. Mandeep Raj Mishra Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21599/1/State-of-California-Spent-%245-Billion-of-Citizens-Unclaimed-Money The State of California has amassed $4.8 Billion in unclaimed money owed to citizens.  Nicole Anderson Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21562/1/Bad-Credit-Cash-Advance-Services Bad credit cash advance services generally offer credits with little or no emphasis on your credit report. They also will not analyze your credit report but these bad credit cash advance services will keep an eye on the amount and frequency of your pay checks and your affordability to repay the debt. Mandeep Raj Mishra Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21524/1/Instant-Cash-Advance Receiving cash through instant cash advance merely takes a few hours. They help you get cash rather quickly but you need to understand them and know how to select the best one that fulfills your needs. Mandeep Raj Mishra Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21411/1/Quick-Payday-Advance-Loan Quick payday advance loans can help you through a tough financial time but it depends on how you plan to use it. The reason for loan, repayment terms and the amount borrowing are the main considerations to be taken. Thus you would like to consider all these things before making a right decision. Mandeep Raj Mishra Wed, 31 Dec 1969 16:00:00 PST http://www.valuablecontent.com/articles/21404/1/Fast-Payday-Loans It would be wonderful to get fast payday loans really fast but not all are faster than normal payday loans. With many, either the approval time is long or the funding time thus making the total process as long as the others. Therefore you would want to know the approval and the funding time before you decide. Mandeep Raj Mishra Wed, 31 Dec 1969 16:00:00 PST