Many people love to showcase their love for sports through a bumper sticker or a t-shirt. The credit card companies realized that this could be a good way to attract people to their credit cards. These companies decided to create sports credit cards that have a special look to allow people to express their passion for sports. 

These cards have become one of the best selling credit cards because they showcase sports logos and themes which people are passionate about. People can now showcase their passion for sports on th
ir credit card. The images on sports credit cards are printed on the card. Card holders show support for their favorite sport or sports team every time they use their credit cards.

There is a card for almost every sport imaginable. There are general sports credit cards like ones for Major League Baseball, the National Hockey League and the National Football League. There are also credit cards for individual sports teams such as the New York Yankees or Dallas Cowboys. There are also sports credit cards that are dedicated to other sports like NASCAR, hunting and even the American Quarter Horse Association. 

Of course, sports credit cards do more than show off love of a sport. The cardholder can appreciate the unique rewards that they offer. In fact, some people sign up for sports credit cards because of the rewards they can get through reward programs. Cardholders earn rewards for every purchase they make with the NFL Extra Points card.  They can get NFL merchandise and tickets to special football camps as rewards.

The NASCAR Race Points card also offers a special incentive along with rewards. A cardholder will get a free NASCAR licensed chair after their first qualifying purchase and earn point rewards that can later be redeemed for a NASCAR experience. The Bass Pro Shops Outdoor Rewards card offer big rewards on merchandise bought at Bass Pro Shops and other rewards for purchases made elsewhere. These are just some examples of the advantages of using sports credit cards.

About the Author Morgan Hamilton offers expert advice and great tips regarding all aspects concerning Sports Credit Cards, including assistance with Chase Bank Credit Cards. Get the information you are seeking now by visiting findqualitycreditcards.com.

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How can the stock trader capitalize on the movement of stocks to gain trading profits? Getting the right reading on the direction of the stock is obviously very important. Determining the entry point (when to buy) and the exit point (when to sell) are equally important in addition to challenging. Related to the entry/exit points, the question of how long a stock should be held is also an important decision.

As with most stock trading topics, there are numerous approaches to the decision making process in terms of when to buy (where is
the low point), when to sell (where is the high point), when to hold, or when to be out of the stock altogether.

There are various technical analysis techniques as well as charting systems that identify the up/down direction of a stock, trend lines, low/high price points and other factors important to the stock trader. I think of candlestick technical analysis as a particular expression or representation of a stock's price movement. Furthermore, candlestick charting provides a visual cue for the trader to identify low and high points, whether the stock is trending up or down, and trend reversal points.

More important than the type of technical analysis, the stock trader requires a trend following method with which to guide the buy/sell decisions. If the stock trader can ride the trend, the trade will yield a profit. A good trend following system yields the appropriate buy/sell signals for the stock trader to gain profits on a consistent basis. Such a system takes the guess work out of stock trading.

Candlestick technical analysis provides a good basis to formulate a trend following method. Candlestick charting provides a good visual for the stock trader to easily see the direction, trend and buy/sell signals.

StockTradersPlace (http://stocktradersplace.com) provides a trend following method based on the use of candlestick technical analysis, presented through candlestick charting. You may find this to be a good complement to your trading tools and resources for consistently successful trades.

About the Author:

StockTradersPlace (http://stocktradersplace.com) provides a trend following method to boost your trading success.
Use our stock trading method to execute winning trades on a consistent basis.

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If you are doing your own investing in the stock market, what would be the first question you would ask yourself before you make any trade or investment? If your answer is how fundamentally sound the stock is, or whether the stock just broke out of a trading range on a chart, or the fact that the stock has gone down 50% in the last 6 months, or whether the volatility is low now so it is a good time to buy or sell, then you are probably on the road to ruin. These strategies have nothing in common with each other and there are all kinds of dif
erent criteria that I did not mention that have nothing in common with each other. However no matter what type of strategy you use to make your investment decisions, there is only one crucial question that must be asked before you pull the trigger and make the trade. That is, what is my risk and what is my reward on this trade. Even if you are going to buy a stock and hold it for a long time, you still have to be aware of your risk and your reward. Why? Because the entire stock market may be here for the rest of your life, any one stock might not be. You think, that is okay I diversified a lot so I don't need to know risk and reward. Wrong. Diversification is great, but you should still be aware of the risk and reward because even indexes of the entire market have a risk and a reward, depending on the length of time invested. Point of entrance, exit, stops, and diversification, are all important things, but they by themselves are not risk and reward. You have to ask yourself how much am I risking, and what my potential reward is. "How much" are the important words.

Okay how do I do that? Well first you must define your investment strategy. If you want to buy and hold what exactly does that mean. Hold for 5 years, 10 years, or forever? What is forever? If you are 20 years old forever is different than if you are 55. Also if you are buy and holding, is forever when you stop investing or is it when you start withdrawing money? These are important questions that must be answered specifically. You might say it doesn't matter because I will be diversified with index funds for the next 15 years. Okay let me ask these questions. Are you 100% invested at all times? Do you know the maximum drawdown (the largest loss from the index high and low in any 15 year period) for the index you invested in? Are you able to financially withstand that kind of drawdown? Alright, I know these are a lot of questions and all you want to do is invest in an index mutual fund for the next 15 years and forget about it. Well I am going to say right now that if you think you are taking very little risk on 15 years you are wrong. If you bought the S&P 500 in a 100% position in 1965 and needed the money in 1980 you would have made no return on investment and had a 40% drawdown from 1969 to 1975. If you look at the period of 1930 to 1955, a 25 year period it is even worse. I know it's the great depression and things are different today. Don't assume anything. I am not saying that you should not invest. I am just saying that there is a risk and a reward. Every time you trade whether it is once a week or once every 15 years, that trade has a chance of winning and a chance of losing. Also, when you buy a managed mutual fund for 15 years you are not buying and holding. You are buying and selling but you are paying a professional to do it for you. He or she will have draw downs in the fund and hopefully he or she will be looking at risk and reward for you. Even an index fund held for 15 years is not truly buy and hold because the indexes change on a yearly basis. Some stocks come in the index and some stocks go out of the index. The longer the time span, say 40-55 years, the bigger the risk but the bigger the reward. Also the longer the time span, the longer you can withstand a large drawdown if it comes.

Now what if you are trading stocks with an entry and an exit point already predefined; that is where do I get in and where do I get out. That strategy might be good but that is not risk and reward. The most important question is how much am I invested and how much do I get out. What is the % of risk on each stock position in the portfolio and what is the risk to the total portfolio. Let's take an example. You bought 100 shares IBM @50 for $5000 in a total portfolio of $200.000. You put a sell stop loss to sell all 100 shares if IBM goes to $40 / share. That means your risk on IBM is $10 / share or $1000. But your real risk to your portfolio is .5% or $1000 divided by $200,000. If you have a sell exit point of $100 then your reward on the stock would be 100% and the reward to your total portfolio was 2.5%. So your total risk to reward was 5 to 1. You could crunch numbers all day to make up formulas to fit your strategy, but the most important part is how much are you risking. Here are some general rules when it comes to risk:
Don't risk more than 2% on any given trade or idea. That doesn't matter if your strategy is technical or fundamental or discretionary. Risking 1% would be safer. Most large fund managers risk much less.

Diversify. Buying 1% risk on IBM and 1% on Dell and 1% on Hewlard Packard is a 3% risk because they all sell the same products
Don't risk more than 20% of your portfolio at any one time, 10% would be better. You have to have a way to quantify the greed factor or it might consume you and all your money at the same time.

In my own portfolios I try not to risk more than 7% on an initial portfolio position.

Initial risk and on going risk can be two different risks. As a trade becomes profitable the amount of at risk at any moment in time can be a variable not a constant. That would allow for letting profits run while cutting losses short. However, making your initial risk a variable in most cases would be a disaster. Once initial risk is conceived it should never be increased. Greed may become the primary factor in increasing initial risk and that is always a fast track to increasing losses.

I hope that risk and reward become the primary strategy concern in your future investing and trading.
About the Author private placement fund manager, and owner of http://ww.buypanic.com, an investment newsletter. I ahve over 24 years trading experience, specializing in stock index trend following. I alos have experience in volatility based money management principles. Buypanic.com offers valuable insight on both stock strategies and money management.


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When you finish a modification for a client and collect your paycheck, you are far from done with that client. Ditto if you were unable to modify their loan for any reason. Either way, they are now ready to exit the modification workflow system and enter the follow-up marketing system. First, you will hand-write them a note congratulating them on the modification (assuming they got approved) and thanking them for choosing to do business with you. Maybe even include a little thank you gift like a gift certificate to Starbucks or Home Depot or
something. Don't put your business card in this letter. They probably already have your card, and you'll have plenty more opportunities to give them more. The best way to use this as a marketing opportunity is to not turn it into a marketing opportunity. If you show that you sincerely care about them, like them, and are grateful for their business, then they'll appreciate you all the more and be more likely to refer you to friends. If you come across as insincerely writing them solely for the opportunity to pitch them again, they'll resent it.

Next, call them a couple weeks after the loan mod is all done to make sure they don't have any unanswered questions. Then call them again another month or so down the road to make sure they made their payment without any problems or questions. Then, call them six months down the road again to make sure they're still doing OK. Maybe call again after a year to see how they're getting along. Don't forget, besides referrals, they might need another modification, refinance, purchase loan, or real estate sale down the road! In the meanwhile, you're including them in your regular email newsletters (which is just an email version of your blog posts, which is also a must), periodic handwritten letters, coffee appointments, and other ways that you contact them. This will continue as long as you are in business.

Even if the mod is unsuccessful or they eventually lose their house, stay in contact with them just the same, as you will likely get extra referrals from them at this time, since they will possibly know and talk to lots of other people about losing their homes, which will get those other people to talking about how they're behind too, and they know this great person who does loan mods, and here's her number, and so on.

If you were, in fact, unsuccessful with the modification, you still put them in the follow-up marketing system, exactly as you would a successful client, but you will also refer them to a trusted real estate broker who focuses on short sales. More on this crucial and lucrative step in the next article: Loan Modification Marketing Series Part 8 - Referring Your Clients to Other Professionals.

About the Author:

If you'd like to learn more about starting a loan modification business, or if you want to access all the necessary forms, spreadsheets, and templates, click here:

http://StartALoanModBiz.com

Matt Sparks is a successful entrepreneur, both offline and on. He is also a licensed mortgage broker, employing real estate broker, and Realtor. He has written books, articles, and blogs about small business, real estate, finance, New Urbanism, and sustainable cities.

(c) Copyright - Matthew R. Sparks. All Rights Reserved Worldwide.

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With the credit card biting hard it's important that you make your money go as far as possible. Find out some simple tips to save money and leave more money to live without debt or finance worries.

As the USA and much of the world struggles to fight off a looming recession many families are looking for ways to save money. Here are a bunch of ideas that could help you save money.

Make a Budget: Start out by creating a simple household budget. Add up all the incomings such as your wages and regular interest, share in
ome or government benefits. Once you've found out how much money you have coming in you need to know what money is going out and where it is going. Make a list of how much you spend on items such as rent / mortgage, going out to restaurants or concerts, food, clothing, electronics etc. Hopefully you will find your incomings are greater than outgoings but it's often not the case. Having a look through where your money is being spent is the first step to spotting areas where you can save money each month.

Shop Around: You can save a lot of money by shopping around. For the type of items that are available online then take advantage of shopping comparison websites that compare the price of products from hundreds of online stores.

Buy in Bulk: When it comes to your grocery shopping then you can save money on non-perishable items such as canned foods, toilet roll and laundry detergents by purchasing them in bulk.

Savings Accounts: As part of the household budget you create make sure you allow some money each month to add to a savings account. High interest savings account rates are currently very competitive as banks try and boost their deposits during the credit crunch. Because you earn interest on your money before you use it to make a purchase then your lowering the real cost of future purchases.

Use Debit not Credit: It's good to minimise the interest payments on your credit card bill each month. An easy way to stay in control is to use a debit card such as a Visa Debit card for most of your purchases. This takes the money directly from your bank account forcing you to spend within your limits.

Cut Price Movies: If you love going to the movies then why not consider making some changes. Some movies offer discounts during off-peak periods or on certain nights of the week. Cinemas also make much of their profits from the candy bar. Why not bring along your own refreshments.

Eating Out: Consider cutting back on how often you dine out or purchase takeaway food. It is almost always far cheaper to eat at home. For those meals you do eat out then check the papers for discount coupons. Eating at home is normally better for your health as well as your wallet.

Take Your Own Lunch: Cutting out that morning coffee at Starbucks or bringing your own food for lunch can save a small fortune. It's easy to spend over $10 on coffee and food at work. Just cutting out the morning Starbucks or bringing your own lunch could easily save you over $2,500 per year.

Pay TV: Do you get much out of your pay TV. Why not consider scrapping it and getting a digital set top box so you can enjoy free to air TV channels in the best quality without any monthly fees. If that is too much then why not cut back to a package with just the channels you value and enjoy the most.

There are of course many other ways of saving money but these are just some ideas to get you started. Why not make it a challenge at home to all come up with ten ways you can each cut back on your spending. Use a spending diary for a couple of weeks to see where your money is going and where you can make further cuts. By using a number of these suggestions combined with ideas you brainstorm at your house you may find you can quickly cut hundreds of dollars per month from from your budget without any drastic lifestyle changes.

About the Author Richard Greenwood's company Click 4 Group runs banking comparison websites to help consumers compare interest rates and fees to get the best savings account. The sights feature high interest savings products from leading Australian banks.

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Over-the-Counter Bulletin Board (OTCBB) Shell Prices
By William Cate
Published July 1999
[http://home.earthlink.net/~beowulfinvestments/] [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]

You can't buy a clean public shell in North America. I doubt you
can buy a clean shell anywhere in the World. I offer a startup spinoff
service because your spunoff public company is clean. Also, the spinoff
format allows me to arrange a European Million-Dollar Private Placement for
your newl
spunoff public company. My startup spinoff fee is equal to the
retail price for an OTCBB shell. I offer a better deal. However, since most
entrepreneurs think OTCBB shell and not spinoff, I'm not overwhelmed with clients. As noted above, [Spinoff Interest] I can't handle more than four
startup spinoff clients a quarter. To date, I've never had four new clients
in any quarter.

In 1998, the OTCBB shell price was US$125,000. In January 1999, the
OTCBB shell price moved to US$150,000. The increase was explained by shell
sellers "as expectation that the 3,400 non-reporting companies, being
delisted from the OTCBB, would rush to buy OTCBB shells." The rush didn't
happen. Most non-reporting companies are being delisted from the OTCBB,
without a whimper. However, I moved my startup-spinoff fee to US$150,000.
The attorney receives US$75,000, the auditor earns about US$15,000.
Incidental expenses are about US$10,000. I'm paid US$50,000.

In the past two weeks, an experience OTCBB shell buyer appears to
be offering US$350,000 for OTCBB shells. He's a stock broker, who has
worked with shell buyers for over a decade as an agent. He should know the
value of an OTCBB shell.

I'll contact several more professional shell sellers. I intend to
confirm the doubling of the shell price before I adjust my startup-spinoff
fee. Assuming the OTCBB shell price has gone to US$350,000, I'll seek an
explanation for the more than doubling of the OTCBB shell price, in the
past six weeks. If the OTCBB shell price is now US$350,000, you can expect
that I'll double my startup Spinoff/Private November 1, 1999. The reason
that I added this article was to give you advance warning of the probable
increase in costs of doing a startup spinoff with me. If you have any
interest in doing a startup spinoff with me, I strongly advise you to
arrange a fee consultation with me this month. Otherwise expect to pay more
if you wait until November.

After confirming the higher retail shell price, I'll advise EFHC
(EFHLF) to adjust their fees upward to reflect the higher retail OTCBB
shell price. If you are thinking about raising US$10 million for your
operating company, you should meet with EFHC and its attorney this month.
Clients don't always take my advice. However, delay risks higher costs for
operating companies seeking the US$10 million from EFHC.

If you know OTCBB shell sellers, please contact them. If you can
check on OTCBB shell prices, I'd appreciate an email on the results of your
query. Ask your shell sellers about the price of a clean OTCBB shell with
over 80% insider control. You want to know the retail price and selling
terms. As I understand the US$350,000 offer, it's a cash payment, without
terms payment.

To contact the author: Visit the Beowulf Investments website: [http://home.earthlink.net/~beowulfinvestments/] Or, visit the Global Village Investment Club Website:
[http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]
About the Author He has been the Managing Director of Beowulf Investments [http://home.earthlink.net/~beowulfinvestments/] since 1981 and is the Executive Director of the Global Village Investment Club [http://home.earthlink.net/~beowulfinvestments/globalvillageinvestmentclubwelcome/]


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Have you ever taken out a credit card only to find a better deal later. Credit card deals can confuse as when considering a new credit card there are a number of options to be taken into account. In this article I've outlined seven options to be considered when you take out your next credit card.

How many times have you taken out a credit card based purely on its current interest rate or balance transfer option?

You may be surprised to note there are at least 7 elements worthy of consideration when you tak
out a new credit card. To judge a new credit card on just one or two options could easily result in a bad deal for you. You need to consider the following 7 options when you take out a credit card:

1. The Initial Concessionary Interest Rate And Period

Many credit cards offer a 0% interest rate on purchases for a limited period, usually six to nine months. This option can be very attractive particularly when you do not repay the balance in full each month.

After the initial period the rate reverts to the standard rate, usually in the 10 to 16% range although this can be considerably higher.

Some cards however have no interest free offer but have a much lower permanent rate, from about 6.9% (although it will vary in line with general interest rate charges).

If you are likely to have a long term balance (if you are unable to pay off the debt within the first 6 to 9 months) this option could save you money in the medium to long term. You will not be able to switch to this rate if you have taken the 0% initial rate offer.

2. A Monthly Interest Free Period On New Purchases

This relates to the period between your purchase of an item and when you will be charged interest on that purchase amount. Many cards have a policy of only charging from the payment date after the item appears on your card statement.

The effect of this is to give you between approximately 25 days and 56 days interest free credit on all purchases. Clearing your balance within this period will result in no interest being charged.

Some cards will charge interest immediately from the date of purchase and are therefore not suitable if you clear your balance each month.

3. The Annual Fee

Many cards have now implemented an annual fee. This fee is chargeable whether you clear the debt each month or if you roll over your debt.

4. 0% Balance Transfers

When taking out a new credit card you will normally have the option of transferring any outstanding balance to your new card with no interest charged for a specified period.

Although marketed as a "0% balance transfer" many are not totally free of charge. An increasing number now charge a one off charge of 2-3% of the amount transferred as an "administration chearge" for handling the transfer.

This is legally not an interest charge but it amounts to the same thing - you are charged a fee by your credit card company based on the amount transferred.

The availability of true 0% balance transfers is disappearing and in all likely hood will completely disappear sometime soon. If a 0% balance transfer is important to you take advantage soon, however be aware that many of these cards have higher subsequent interest rates.

5. The Availability Of Cashback

Many cards now offer cashback on purchases. This is usually is between 1/2 and 1% of new purchases (excluding balance transfers and cash withdrawal). If you do not repay your account in full each month take this into account when considering the interest rate chargeable.

It is only where you repay the card in full each month that this is a true cashback on purchases and if you do repay in full each month you may choose to make this a priority.

6. The Rewards And Discounts Offered With Your Credit Card

Rewards are where you can purchase goods or services at a discount by using your credit card, or you have free insurance on purchases made using your credit card.

In the credit card business nothing is free. If there are rewards offered the cost will be built in somewhere (usually a higher interest charge) so compare with other cards not offering the same rewards.

7. Credit Card Payment Insurance

Whether you take this option or not most cards now offer some sort of payment protection insurance in the event of sickness and disability. In the past this cover was limited to paying the minimum monthly payment however many cards now pay 10% of the balance on the card at the time your claim commences and may be worth considering.

Be very careful with this insurance as it will exclude any condition you suffer from when the cover commences and similarly any redundancy announced before the cover commences.

Taking out a new credit card is more complex than it seems at first. As you can see when considering a new credit card there are a number of aspects which must be taken into account and t can be very difficult choosing a new card.

There are many comparison services available that can help you cut through the confusion and I suggest you consult one or more before making your decision.

In all cases prioritise your requirements and only apply for the credit card which best matches your circumstances. Don't just pick the card with the longest balance transfer period or lowest interest rate as it may cost more in the longer term.

About the Author John worked for many years in insurance and finance and now writes on credit cards and debt management. For advice on credit cards go to http://www.card-debt.net or http://www.consolidation-loan-advice.info for information on Debt Management.


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One great irony of life is that people find it so easy to spend money and yet, they find it doubly hard to save money.

Almost 80% of the consumers, according to some surveys, tend to spend their money easily and find it hard to save even just 10% of their income or any amount of their earnings. They always insist that they have more expenses than they can handle; that is why it is so hard for them to really create a hefty amount for savings.

What people do not know is that they can easily save more money even on their
daily expenses if they just know how to do it.

The point is that if they were really wise consumers, they would definitely take advantage of freebies and discount items that can absolutely cut their expenses almost in half.

One of the best examples is the utilization of money saving coupons.

The problem is that many people are still not aware of the benefits that money saving coupons can give. They contend that these freebies just offer such a little amount of money and that they can be better off without it.

Therefore, for those who are not yet fully aware of the benefits they can derive from these money saving coupons and what they can do in order to save more money, here is a list of some of tips on how to use these coupons for a cause:

1. Look for the right places

If you are not yet aware of the right places where you can get excellent money saving coupons, try to look in your local newspaper, especially the Sunday editions. It's one of the best places where you can get discount coupons.

Usually, different establishments provide discount coupons to entice consumers to buy their products. That's why they use the paper to distribute their freebies.

2. Shop online

Online businesses also provide money saving coupons. What people do not know is that online discount coupons provide more money saving percentage than what the newspapers can give.

Best of all, it is so easy to accumulate discount coupons. All you have to do is to sign up for the online business and you can easily get some of their freebies.

3. Coupons are great money savers

The very advantage of money saving coupons is that they can cut your bill to almost 50%.

Indeed, using money saving coupons can definitely save you more money than what you have expected. So, for those who do not know this yet, try to cut more coupons and start saving.

About the Author We provide free articles and information. Check us out at Free Articles

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Il n'est pas inutile de rappeler quelques grands principes sur la facturation... En effet, chaque fois qu'un produit ou une prestation de services est vendue un client professionnel, vous tes tenu de dlivrer ce prcieux document. Mais en connaissez-vous toutes les rgles d'tablissement ?

Haut La Voix, site ddi aux entrepreneurs, et tous ceux en qute de rorientation professionnelle, met votre disposition un " dossier spcial facture ".

EN BONUS : pour toute inscription la newsletter, recevez e
plus du lien vers le Kit de survie du crateur d'entreprise", un gabarit de facture : cliquez ici

Quelles sont les mentions obligatoires sur la facture ? (art. L. 441-3 du code de commerce)

• Votre nom
• Votre adresse
• Votre numro SIREN (et votre numro RCS si vous tes inscrit au registre du commerce et des socits, suivie du nom de la ville o se trouve le greffe de l'immatriculation)
• Si l'activit est exerce en socit, il convient d'en mentionner la forme juridique et le montant du capital (ex. SARL au capital de 5 000 euros)
• Si vous tes adhrent d'un Centre de Gestion Agr (CGA) ou d'une association agre, il faut prciser qu'en cette qualit vous acceptez les rglements par chque.
• Le nom et l'adresse du client factur
  Attention, si la facture n'est pas tablie au nom du client, il ne pourra pas rcuprer la TVA
• Votre numro de TVA intra-communautaire pour toute vente dans la CEE
• La date de la vente ou de la prestation de services
• Le numro de la facture (ex. : 23 (pour 23me facture de l'anne, 06013 (pour la 13me facture du mois du mois de juin)
• La dnomination et la quantit prcise des produits ou de la prestation.
  La dnomination doit permettre d'identifier de manire prcise le produit ou la prestation. L'emploi de termes gnriques et gnraux doit donc tre vit. La quantit doit tre exprime en units de produits, poids, volume ou taux horaire selon les usages de la profession ou de l'entreprise.
• Le prix et la TVA applicable
  Doivent tre prciss la fois :
  le prix unitaire hors taxes de chaque produit
  le taux de TVA par produit
  le total hors taxes des produits soumis au mme taux de TVA, si diffrents taux sont applicables,
  le total de la TVA par taux, si diffrents taux sont applicables,
  le montant total du prix hors taxes, de la TVA et du prix TTC.
  
  A noter : Les entreprises bnficiaires de la franchise en base de TVA doivent porter, sur leurs factures, la mention " TVA non applicable, art. 293 B du CGI ".
• Les rabais, remises et ristournes
• La date de rglement
  Doivent apparatre le jour, le mois et l'anne auxquels le paiement doit tre intervenu. Les formules types "30 jours fin de mois" ne suffisent pas.
• Le taux des pnalits de retard
  Doit apparatre le taux des pnalits exigibles compter du jour suivant la date de rglement indique sur la facture.
  
  A compter du 1er janvier 2009, le taux des pnalits de retard convenu par les parties ne pourra tre infrieur 3 fois le taux d'intrt lgal (soit 11,97% minimum en 2009).
  A dfaut, le taux d'intrt des pnalits de retard sera " gal au taux d'intrt appliqu par la Banque Centrale Europenne son opration de refinancement la plus rcente majore de 10 points de pourcentage " c'est- -dire : 10% + taux de refinancement de la BCE (2% actuellement depuis le 15 janvier 2009)
• Les conditions d 'escompte
  Si l'entreprise n'accorde pas d'escompte, elle doit le faire figurer sur la facture.
  Mention : Escompte de x% pour paiement comptant avant le .... (en gnral 8 15 j de la date de facture) ou bien : Aucun escompte pour paiement anticip.
  
  A noter : la facture n'a pas mentionner le taux d'escompte lorsque le client a pay comptant ou en cas de paiement par virement bancaire ou prlvement automatique.

Toute facture doit tre rdige en double exemplaire. Le vendeur et l'acheteur doivent en conserver chacun un exemplaire.

Pour la forme, la facture est imprimer sur papier entte de l'entreprise...

Vous souhaitez voir des modles de facture ?
Rendez-vous l'espace tlchargement du site : http://www.hautlavoix.com/2008/11/telechargements-gratuits-utiles-aux.html

About the Author:

Professionnelle du Droit et des Ressources humaines, Stphanie ASSANTE a notamment exerc pendant 6 ans dans un Cabinet spcialis en ingnierie sociale, en tant que consultante Ressources humaines. Passionne par le dveloppement humain, l'accompagnement du changement, et la communication, elle a cr HAUT LA VOIX, o dcouvrir un ensemble de ressources sur comment trouver sa voie, et se lancer dans un projet personnel (reconversion, cration d'entreprise, changement d'emploi...) : http://www.hautlavoix.com

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Planet Wealth is an independent investment company that is run by a group of private investors who have a long history of experience and success with stock market investing. Many people are under the impression that most investment services like planet wealth are a scam, so I decided to do some homework on planet wealth to find out whether or not they were in fact a scam or actually offered a reliable investment service. Over the past year, I have researched the planet wealth trades and results, and 3 months ago I joined the
"Renting Australian Shares" subscription service which has enabled me to gain a good overall picture of how planet wealth operates.

How Does The Planet Wealth Service Work

The planet wealth professional traders use six stock market strategies for investing. Planet wealth traders actually invest their own money and trade in all of these six strategies, which I believe really says something for the honesty of any investment company... any company who does not actually invest their own money in the strategies they are providing to members is more than likely a scam in my opinion, planet wealth walk the walk so to speak.

When you join one or more of these six strategies, every time planet wealth traders identify and place a trade on their own account, you will be sent these trade details by SMS and Email immediately. It is then your choice to place the same trade using your stock broker. If you do not have your own broker, planet wealth will provide you with a list of their recommended brokers, which I would strongly suggest doing, as these brokers know the exact trade that planet wealth have just placed, and you can basically tell them to copy the same trade.

Alternatively, you can use a free service provided by planet wealth called Auto-Trader. This service is a great option for people who wish to have their stock portfolios placed on virtual auto-pilot. The way it works is this... When you join up with the planet wealth stockbroker who runs the auto-trader service, simply let the stockbroker know that you would like to use the auto-trader service with your account. When planet wealth traders place a trade on their own account, this trade will automatically be placed on your account at the same time. This effectively means that you are placing the same trades as some of the most experienced traders in the world without actually having to lift a finger... sound too good to be true? I can guarantee from experience that this is no scam, this service is 100% free with your subscription to any of the six strategies. Each strategy will only cost you $99US per month, and you can join one or more strategies.

The Planet Wealth Strategies

Renting Australian Shares Strategy - Focuses on creating a consistent monthly income by renting out the shares we own on a monthly basis, while having our capital insured at around 80%.

Renting US Stocks Strategy - Basically the same as the Australian strategy, but requires a smaller amount of capital, due to the minimum amount of stocks required to purchase... 100 stocks in the US, compared to 1000 shares in Australia.

Share Purchase Plan Strategy - This is a strategy not widely known, or used by the majority of investors. This strategy can produce some very profitable results and is designed to make regular income, with very limited risk using a small amount of capital.

Protected Equity Strategy - With this strategy our risk is "fixed" with every trade while the profit potential is unlimited. The beauty of this strategy is that we use the leverage of 100% finance to buy our stocks. All stocks are then insured which guarantees we cannot lose money from a share price drop.

Options Spread Strategy - This strategy has a fixed risk & fixed return for every trade. The minimum target 'Return on Risk' is 40% per trade, and it is common to see returns for successful trades in the 60-90% range.

US Option Trading Strategy - This strategy has a reasonably high risk factor, but can produce some massive profits. Only a small bank is required which makes this strategy a great diversifier for your portfolio.

After being a member of planet wealth for a number of months, and analysing their trades and results for the past 12 months, I can genuinely say that I do not believe planet wealth is a scam of any kind. I have always received fast replies to any questions I have asked, and they seem like a company who stand behind their product. My personal results have made me truly excited about my future in stock market investing, as I now use the same trades the professionals are placing, and I no longer have to leave my investing choices up to pure chance, luck or hope.

If you use the auto-trader service with any strategy for 12 months and fail to make more profit than you have paid in subscription fees, planet wealth will refund 100% of your subscription fees without question. This in itself proves very well that that Planet Wealth is not a scam.

About the Author:

Binh Nguyen is a Stock Market Investor, an Internet Marketer and Entrepreneur from Adelaide, Australia.

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For the majority of people, buying a home will be the biggest investment they will make in their lives. Of course, we are talking about average income families, but even if you have more than one property, chances are that these properties will be your most valuable possessions in terms of money. Given the importance of the investment of your first home purchase, it requires a lot of preparation, research and patience.

Research is paramount when buying your first home, because it can literally determine how happy you and your fa
ily will be in your new home. Many people get overly excited when buying their first home and this is understandable. However, this overdose of excitement often leads people to rush in and commit very serious mistakes. You need to control your emotions and go with what your brain tells you.

The advance of the Internet has made searching for a new home a much easier task than it used to be. It allows you to do most of your research online before you go out in the field to look at potential homes. If you are unfamiliar with the area around a potential property, it is a very good idea to read some local press online and look at satellite images and maps of the neighborhood. You will be able to see the proximity of parks, sports facilities, supermarkets, shopping malls, schools, and also factories and other environmental hazards. This will help you determine how safe, healthy and convenient the area is for you and your family.

Make sure to invest the time needed to research a sufficient number of properties. There is no magic formula to tell you how many potential properties you should inspect, as this can largely depend on luck and your specific circumstances. The experience of other buyers, however, suggests that anywhere in the range of fifty to one hundred homes is a solid number. This may seem like an exaggerated statement, but buying your home is a serious enough task to be afforded this effort. Regardless of how many homes you inspect, be sure not to decide to buy the first property you see as this has been proven to be one of the worst mistakes you can make. Even you love the property and eventually decide to buy it, you simply must go out and look at some other opportunities. There is a caveat to this advice, however. Namely, people are afraid that they will lose home to another buyer if they are not quick enough to act immediately. This is a valid fear, but keep in mind that real estate agents and home sellers sometimes purposely make you believe that they have a long list of people just waiting to buy the house in order to trick you into purchasing immediately. You can never know really, but it is always better to be safe than sorry. There are plenty of good homes out there and it is much easier to find another one that you like than to get out of a bad purchase.

You also need to be prepared financially. Calculate all expenses and potential renovation and repair costs in advance for each prospective property. This will help you determine the property's cost-effectiveness. It is also highly advisable to get a finance approval from your bank beforehand. The seller will see this as a sign of seriousness on your part and may be willing to hold on to a home until you are prepared to buy it. You can also hire an independent expert to visit the property with you to perform a check on the overall condition of the home, i.e. pipes, the pest situation, potential leaks, heating, etc. Furthermore, make sure to obtain a written and signed confirmation from the seller that they are selling the house in exactly the same condition as it was when they showed it to you. You would be surprised to hear some stories of people who bought a house without settling this important matter only to find out that most of the fittings and furniture were removed after the house was sold.

Follow these simple tips and do not leave such an important part of your life to pure chance. In this way, you and your family will have a great time in your new home.

About the Author:
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While there is really no substitute for paying your debts on time each
month, it's good to know that there are ways to improve your credit
report. The key is knowing what's in your report, and making sure it's
kept accurate.

For many people, a credit report is something akin to a mystery novel. It's a little hard to understand, and you never know how it's going to turn out if you don't read the whole thing. But you really do have the power to take the mystery out of understanding what your
credit report is, how it affects your life, and what you can do to improve that all important credit score. Let's begin with some basic definitions.

Credit Report

This is a written record of your financial transactions. It details the amount of your current debt, and how well you are repaying it. It also includes a record of past debts, and how/if they were repaid. Every open account you have will be listed, as well as any record of bankruptcies, foreclosures and judgments.

Credit Score

Based on the details in your credit report, you will be given a numerical score, that reflects your level of 'credit worthiness'. This number is based on:

• The number and types of accounts you have open.
• How long you have held the accounts.
• How many late payments you've made, and just how late.
• Your current total accumulated debt.
• Any attempts you've made to open more accounts.

Every company you apply for credit with will examine this score, to determine how likely you are to repay them any money they advance to you. Would you like to apply for a home or auto loan? A credit card account, or home improvement loan? Your current credit score will be the biggest determining factor in whether your request is approved.

The Big 3 Credit Reporting Agencies

• Equifax, based in Atlanta, Georgia.
• Experian, based in Costa Mesa, California.
• TransUnion, based in Chicago, Illinois.

Each of these nationwide credit-reporting agencies maintains a credit report on you. Since you have no way to know which one of these agencies a potential lender will contact, you need to keep track of the info contained in all three reports.

How To Improve Your Credit Report Score

Your credit report is a living, breathing document, changing with every entry made. If your score is bad now, there are a few things you can do to improve it.

• Examine each report thoroughly to make sure there are no mistakes. If you find a company listed with debt outstanding, but you know you've paid it and have a receipt or cancelled check to prove it, you can make a challenge to that item on your credit report. The company you are challenging has up to 90 days to respond and defend the item, or remove it from the report. You should resist the urge to make a challenge without proper documentation of your payment.
  
• Close old credit card accounts.
  
  Even if you aren't actively charging on them, these old accounts that remain open still add up in your total amount of credit available. This total line of credit is compared to your income, and alerts lenders to the fact that you can become overextended any time you choose.
  
• Never use more than 50% of your available credit.
  
  Potential lenders want to see that you have money left over after paying your debts. They take this as a sign of good money management skills.
  
• Add favorable items (tradelines) to your credit report.
  
  You can boost your credit score by making sure that debts you are paying on time now, or in the past, are listed in your credit report. These accounts are referred to as tradelines in the industry. It is entirely possible that a company you deal well with hasn't even made a report in to one or all three of the nationwide credit reporting agencies, so it's up to you to see that the good info makes it's way into your report to counteract the bad info.

Examples of tradelines:

• Installment loans
  
  Car loans are a good example of an installment loan. Your current car loan may already be in your report, but what about car loans past? You can add a former car loan that was appropriately repaid onto your current report, adding favorably to your overall score.
  
  In-store accounts for items like refrigerators, washer/dryers, and jewelry that are being paid for on an installment plan should also be included on your credit report if you are making your payments according to schedule. Many of these smaller stores only report to the credit bureaus if an account is placed in collections, ask them to send in a report of your payment history to add a positive tradeline to your credit report. Make sure the creditor notifies all three credit bureaus.
  
• Mortgage Loans
  
  Again, a current mortgage would likely be listed already, but if this is not your first mortgage, and you have other successful mortgages in your financial past, make sure they are listed. This all still weighs in your favor. If you have paid your mortgage on time with an individual who holds the lien to your home, you should get credit on your credit report for it.  Most individuals would be fairly baffled at your request to add a manual tradeline to your credit report, simply write the three credit bureaus and ask that they account be added and give your point of contact's name and phone number for verification. The bureaus will verify the information and have it added to your credit report. Repeat this process a few times a year to keep your information current.
  
• Secured Loans/Secured Credit Cards
  
  These are types of tradelines that you have secured by putting up something as collateral, such as your vehicle or home. You can obtain a secured credit card by depositing a pre-determined amount of money in an account with the individual company. You can then use that credit card to charge up to that amount and your deposit guarantees the company of being repaid, even if you miss a payment. Secured accounts are a viable way to rebuild credit after a bankruptcy, as long as you pay on time.
  
• Utility Accounts
  
  Do you pay your monthly utilities in full and on time? Then try to add them to your credit report. Utilities usually only find their way onto your report if you're behind in your payments. Paying these items faithfully each month should boost your credit record, but if your local utility companies don't actively report in to the credit bureaus via a tape system the firm may decline your request to add your history to your credit report. Most will comply and the benefit of having a positive tradeline  on your credit report makes it well worth the try.

While there is really no substitute for paying your debts on time each month, it's good to know that there are ways to improve your credit report. The key is knowing what's in your report, and making sure it's kept accurate.

About the Author Liz Roberts is a loan consultant with NewHorizon Finance and has been providing consumers and business owners with financing since 1989. Bad Credit? Join our mailing list for tips on building and repairing your credit yourself, without hiring a credit repair service. Click here for a list of credit cards for bad credit

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All sound investment markets must show a number of characteristics if they are going to attract traders and provide investors with the opportunity to make substantial and ongoing profits. The Forex market is certainly an example of an excellent market for investors and scores highly against all of the main market characteristics.

Whether you are trading stocks, bonds, futures, foreign exchange or just about anything else you care to mention the conditions that make a market suitable as a trading ground for the investor remai
the same. In essence, there are four characteristics which are always present in a good investment market - liquidity, transparency, low trading costs and the existence of trends in the market.

Liquidity

All trading consists of two elements, a purchase and a sale, and liquidity in its simplest form refers to the ease with which traders can buy and sell. I say 'in its simplest form' because for a market to be truly liquid traders must also be able to buy and sell in substantial volume without any marked effect on prices.

The problem with a market that is not liquid is that traders will often find that there are delays in filling orders to buy, resulting in often substantial differences between the price at the time the order is placed and when it is actually executed. In addition, it can often be difficult to sell in a market that lacks liquidity.

The Forex market is an extremely liquid market with a huge number of trades being conducted daily and with a trading volume that is second to none.

Transparency

The transparency of a market is best defined as the ability of traders to access accurate information at all stages of the trading process.

Information is the key to most things in life and this is certainly true in many of the world markets. Indeed there are many examples, especially across the world stock markets, of companies and individuals running into difficulty because all of the parties involved in a trade did not have access to accurate information, or were given inaccurate information.

The Forex market is without doubt the most transparent of all of the world trading markets and this is especially true when it comes to pricing.

Low Trading Costs

All markets carry trading costs and the higher these costs the lower the trader's profit or the greater his loss. Any market therefore that can keep its trading costs low will be attractive to traders and will encourage greater trading volume.

The lack of commission and similar trading costs and the tight spread of prices in foreign exchange trading mean that trading costs in the Forex market are kept very low compared to other markets.

Trends in the market

One of the most difficult things in many markets is knowing just when to enter the market, or buy, and when to exit the market, or sell. For this reason it is important to have some mechanism which traders can use to assess the current state of the market and to predict its future course.

In the case of the Forex market this essentially means employing various different forms of technical analysis which rely on studying the past performance of the market and identifying trends which can then be used to predict the future.

Most markets will display some form of trend, but some markets have far more clearly defined and marked trends than others, making it far easier for traders to enter and exit trading positions. Fortunately, the Forex market is one market with a particularly strong trending characteristic.

About the Author ForexOnlineTradingSystem.info is the ideal place to learn Forex trading and provides information on a wide range of topics including currency exchange rates and the benefits of testing the water through mini Forex trading

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Forex experts advisors are experts but not at making money - there experts at losing it and if you are considering buying a Forex Robot then you need to consider the 4 reasons enclosed, as they will guarantee you losses.

It's pretty obvious you don't get financial freedom for a couple of hundred bucks and no effort. Sure you can win at Forex trading and we will show you how in moment but for now, lets look at why Forex expert advisors will simply lose you money.

Track Records Don't Repeat

There
ither made up back tests (knowing the closing prices) or they are presented by the vendor who has a vested interest with no independent verification.

Traders, who believe they can double their money every month, are either very nave or believe in Peter Pan.

They Use Sophisticated Mathematical Algorithms to Predict Price Movement

The first point to make is that forex markets cannot be predicted and simply are an odds based market. Secondly, the algorithms in most are not sophisticated at all and are based on unsound logic. They have no chance of winning and the predictions are as accurate as your horoscope.

Money Management Rules

Are either not existent or place stops within random volatility which guarantees losses.

Starting Capital

You can start with $300 odd dollars and make huge gains?

Well as you are going to need staying power on any automated system seeking big gains you're guaranteed to get wiped out.

The real Way to Win

Forex trading can be learned by anyone but the fact is you do need to know what your doing and you do need a sound Forex education, so you can trade with confidence and discipline.

You can learn forex trading in a couple of weeks and the rewards for your effort are huge and could lead you to a great second or even life changing income.

So forget Forex Expert Advisors and there get rich quick message with no effort, you know it's not true and simply get a sound forex education and win.

About the Author:

NEW! FREE PDF REPORTS

CATCH THE BIG TRENDS NOW!

Get free essential trading Pdf's on catching the big profits and a RISK FREE Forex Trading Course visit our website at: http://www.forextrendfollowing.com

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Online debt consolidation services by firms specializing in these services are a boon for consumers.

Online debt consolidation services by firms specializing in these services are a boon for consumers. Online services are convenient for consumers to join and are helpful to those who need help organizing finances and debt. It only takes a click of the mouse to set up the registration.

Online debt consolidation services are gaining in popularity because of the benefits that come with them. Numerous online compani
s offer help to consumers who need structure and a plan to save their precious wealth. They offer programs that help a consumer secure a loan that will merge their multiple debts into one. The purpose is to help consumers in getting their debt consolidated. Once the online debt consolidation service is put in place consumers can indulge in the luxury of making one payment once a month on the entire debt balance.

The essence of these programs is the capability to safeguard and organize one's account. Online debt consolidation services empower consumers to take control of their debt from the comfort of their home. There are a number of companies that extend online debt consolidation programs.

However, it is imperative that consumers exercise caution when looking for lending companies that specialize in online debt consolidation services.

Generally, services that are available on the Internet are helpful to consumers but some services can prove to be misleading and consumers may lose money instead of save on their debts.

About the Author Online Debt Consolidation Programs provides detailed information on Online Debt Consolidation, Online Debt Consolidation Programs, Online Debt Consolidation Loans, Free Online Debt Consolidation and more. Online Debt Consolidation Programs is affiliated with Free Debt Consolidation Quotes.

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Chase Real Estate is one portion of Canada's healthy real estate market. The Chase area is know for it's dependence upon the timber industry, bet there are plenty of other exciting careers and things to do in Chase. The Chase area is a great place to raise a family. Due to the small, but compassionate population, your children will get plenty of attention from their instructors in the classroom as they receive a first rate education.

The more your children are able to focus on their education of course the more successf
l they will become. If your children become enamored with the schooling and grow up to become successful investors, they too may one day buy some Chase Real Estate. Tourism is already a big industry within the Chase area, as that continues to grow more and more will people will want to look into Chase Real Estate. The schools take pride in making sure parents stay updated on their child's education, which is just another plus of buying Chase Real Estate. Being involved in the school of your child gives off more of that community feel.

Chase Real Estate offers low property taxes and some of the best utility systems in Canada. The houses are well maintained and very durable. Chase is a very new community having just been incorporated in 1969. Chase Real Estate is constantly evolving due to developers who are always willing to try new ideas. With so many forests and timber available quickly there isn't a long wait to start building when it comes to Chase Real Estate. There are plenty of hardware and interior design companies to help improve your Chase Real Estate so it fits your needs. If you need door knobs or a certain type of siding for the house don't be afraid to ask around. You will find what you need.

About the Author:

To know more about Chase Real Estate in the Shuswap and Mara lakes region, please visit Shuswapvillas.com.

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Introduction

Now unemployed tenant loans are available in UK loan market it is one of the best online loan arranger especially for such individuals who may rejected from a regular loan lending institution due to having no job besides no home. But Loans for unemployed tenant becomes the first aid for cash woes of such kinds of people when they need. It is short term loan and suitable for either personal as well as commercial purpose.

>

Requirements

It does not require specific collateral but it require meeting some simple requirements to eligible for this loan and borrower has to qualify if he wishes to access such loan. These are:

1. The applicant must have a permanent residential address for last 1 year yet no matter his own home or not.


2. Must have citizenship of United Kingdom.


3. He should be an adult with the age of 18 years or more.


4. He must have the ability to repay back the loan amount on time.


5. He must possess a valid and active bank account on his name for the online transactions of the loan amount.

Individuals have face unemployment besides tenancy can easily get this loan access when then need once they meet the certain requirements.

Features

Any borrower can easily borrow the amount up to 1500 depending on his need besides his ability of repayment. It offers online services to applying and getting approved as well. Basically getting a loan approved without any collateral and even in situation of having no job and no home it becomes the worst situation but now with unemployed tenant loans it become as easier as it sounds.

Borrowers credit no matter while availing the same. Infact entire residents of who are an adult and having citizenship of United Kingdom are similarly eligible for such loan without having any hassle of collateral or any other hurdles.

Borrower just has to fill up a simple online based application form with some of his personal details which are the requisite of such loan. Once form is get submitted loan amount credited into his account at the very same day and in some cases within few hours.

About the Author:

Stephen wall is a business writer specializing in finance and has written authoritative articles on the finance industry. He is offer financial services for uk residential. If you want to learn more about unemployed tenant loans, tenant loans, unsecured loans and tennant loans visit http://www.unemployedtenantloans.org.uk

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Have you consolidated your credit card debts, and find that things are still getting worse? A lot of people consolidate their credit card debts. The idea is to repay the debt back with simpler interest rates and monthly payments to a single credit card company.

What keeps a borrower fall into a debt trap after credit card debt consolidation? Listed below are three things which can ruin a borrower's credit card debt consolidation process and lure him into a debt trap.

1. Relaxed attitude

Credit card debt consolidation brings immediate relief to the borrower. There are no multiple payments now, no nagging calls, no keeping of record, and if the borrower, got a good deal the interest rates are also low and so are the monthly payments. All this is too comfortable to drive the credit card holder into a false sense of security. It is good to remember that there are debts are just consolidated. Few small things now become one big and it has to be repaid, that too with interest. So, forget the minimum monthly payments, get serious on that debt and repay it as soon as possible. This will keep your credit report in good shape. Else this relaxation will cause endless tension and could lead towards bankruptcy, which is disastrous.

2. Uncontrolled spending habits

It is this reckless spending on useless items that got the credit card holder, this trouble of credit card debt in the first place. And now after the credit card debt consolidation, if the temptations again drive a borrower's spending habit, he is doomed. Remember small things here and there add up at the end of the month and can make the whole process of debt consolidation useless.

3. No money management

Multiple credit cards? No budgeting? No keeping track of expenses? No savings plan? If this is the financial regime prevailing in a borrower's life, debt consolidation simply won't work. The need of the hour is that the borrower takes control of his finances and try to become debt free. The good financial habits acquired in the process of repaying debt should last a lifetime and ensure no further consolidations are necessary. Don't keep more than one credit card unless absolutely necessary. If a credit card comes by mail cut it into four pieces and mail it back to the credit card company.

Debt consolidation is only a temporary solution to any borrower's debt problems. It is there to make your repayment process easy, not to forget about debt and relax. Debt consolidation without proper attention to above mentioned three factors can ruin your entire effort. On the other hand if you take care of these three things carefully, a fantastic financial future awaits you.

About the Author

Duran Mueller an expert author and credit card consultant, provides great American express credit card tips. Read more credit card articles at his credit card website.

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By using a federal student loan consolidation program, student loan holders can consolidate their existing educational loans.

The procedure is very simple: you just have to call the Direct Loan Servicing Center (a division of the U.S. Department of Education) and in a very short period of time, youll have your new consolidation loan.

The new interest rate will be a weighted average of the interest rates of all your current federal
tudent loans.

It is even possible to consolidate additional debt into this loan if this is considered to be a viable alternative.

The main reason that leads people to ask for debt consolidation is the huge sum of money spent on monthly payments. If you mix all the loans into a single one, your new monthly payment will become very affordable, not to mention that the loan can stretch for a few more years.

In order to do that, you can go to the bank and ask for a personal loan. Its recommended that you use a separate loan for the student loans and another one for the rest of the debts.

Financial experts dont encourage the combination of student loans using a privately funded debt consolidation loan because that will only create more financial problems.

In most cases of federal student loans, the interest is tax deductible. Why would anyone give up such a benefit? In this situation, having two loans is better than having a single one.

The only exception is when the consolidation loan is actually home equity loan. If youre lucky you can obtain an interest rate lower that the one from your student loan.

Home equity loans are also tax deductible and you wont loose the benefits. In time your income will rise and that affect the interest of writing off the student loan.

But, with home equity loan interest, you can continue writing off the amount without any problems.

To sum up all the above, sometimes including a student loan next to other loans into a single one can be viable but there are times when separate loans are simply the best option.

About the Author:

Learn how to consolidate student loans at my site. Discover the top rated student loan consolidation programs online.

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Banking has been traditionally defined as accepting deposits for the purpose of lending or investment.

But the canvas of banks is no longer restricted to deposits, advances and investments. Banks have now repositioned themselves as one stop shops for meeting all the financial needs of customers, blurring the boundaries between banking, insurance, mutual funds and asset management. Another discernible trend in what of banking is change from balance sheet to off balance sheet intermediation. Banks act as the backbone of the fast
xpanding derivatives markets helping corporate to hedge their interest rate, currency risk and commodity price risk exposures. Banks, even public sector banks, are no longer shy of declaring that they are in the business for making profits i.e. profit maximisation is their primary goal. Resultantly all the corporate fads ( Business Process Reengineering, Smart Sizing, Six Sigma, CRM etc) have found expressions in banks.

The most significant change in Banks post was the discovery of Marketing. Till then the customer would have found it hard to differentiate the service of a bank from that of State Electricity Board. But now customers are a pampered lot and banks are more of marketing malls than government offices in word and deed. Banks are increasingly putting CRM (Customer Relationship Management) techniques in practice.

Enterprise CRM software packages having excellent data warehousing and data mining techniques, can link all data relating to a customer right from the savings to fixed deposit habits, loans, credit/debit card usage, internet usage etc. to not only a customer's financial profile but also his psycographic profile. This can be classified into group profiles enabling a bank to offer products to target groups giving the look of a customized product offered to each customer.

About the Author The article was produced by the writer of masterpapers.com. Sharon White is a senior writer and writers consultant at dissertation help. Get some useful tips for sport dissertation and critical essay.

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In the face of increasing house prices, mortgage lenders are offering longer mortgage terms. But at what cost?

Mortgages are traditionally taken out over 25 years, 30 years at a push – but house prices have got so high that many would be homeowners have found themselves completely unable to get on the property ladder.

Mortgage lenders have found a solution – offer a mortgage over a longer term so borrowers can afford the repayments. The catch is – the borrower pays a lot more in the long run, and the lender's profits i
crease exponentially!However, for many, it is the only way they can afford to buy a house. One couple opted for a 35-year mortgage with Northern Rock. Mr A is 36 years old, so the mortgage won't come to an end until he is past retirement age. However, he has an optimistic viewpoint, and believes that his working situation will improve in the meantime, therefore allowing them to pay the mortgage off far earlier. It's a gamble, but most people can safely assume that their earnings will increase as their career progresses.

For example, a mortgage of ฃ200,000 over 25 years on a 2 year tracker mortgage (initial rate 4.79% rising to 6.5% standard variable) will cost ฃ1,140 a month for the first 2 years, ฃ1,329 from then on. Take that same mortgage over 40 years instead, and the monthly rate after the initial 2 years is ฃ1,157 – a total of ฃ172 less a month, and around ฃ2,000 less a year. However, the total cost that you pay back is quite different. With the 25-year mortgage, you'll pay ฃ394,241 in total. Over 40 years, you'll pay ฃ549,931 – a difference of ฃ150,000. You could buy another house with that!It's very important that people that opt for the longer term mortgage in order to get onto the property ladder do take steps to remortgage and shorten the term as soon as possible. Making frequent overpayments would also help considerably. The worst case scenario is that you enter your pension years, still having to pay off the mortgage. With the future of pensions also in an uncertain state, it's definitely not a gamble worth taking lightly.

A spokesman from Mortgage Advice Bureau, Brian Murphy, says, "Stretching a mortgage term to lower the payments is a risky business. We always advise clients to keep repayments to as short a term as possible, to enable them to free up money for pre-retirement investments."

As long as the borrower is savvy and is well aware of the risks, and has every intention of turning the situation around, then it's not necessarily a bad thing. It's the borrowers that do not have the financial sense to realise the risks that could fall foul.

At the moment, a number of lenders including Northern Rock and Cheltenham & Gloucester, go up to 35 years. HSBC, Halifax, Ulster Bank and Coventry Building Society offer 40 years mortgages. Bradford & Bingley have trumped the competition with a 45 year offering, however it is very much targeted at young professionals, accountants for example, whose salaries are guaranteed to increase substantially, at which point they can remortgage and make higher monthly repayments over a shorter term.

According to Northern Rock, the average lifespan of a mortgage product is between 3 and 5 years, so prospective borrowers take note – a mortgage isn't for life. It's until a better offer comes along, and as long as you keep your eyes open, you should always be able to find a better deal.

Before choosing to get a longer mortgage term, chat it through with a specialist broker. There are plenty of no-obligation brokers, available through the internet, that will be able to give you professional advice, and help you find the best deal at the same time!

About the Author

Remortgages and mortgages. Here at kings college brokers we aim to provide a dearth of informnation centered around mortgages and remortgages. If that wasn't enough we even provide our clients the facility to request a mortgage quotation online.

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It is not possible for everyone to save finances for meeting their financial needs especially for those who have a fixed source of income to depend on. In that situation an external financial source can help you out but it generally requires you to pledge something as security. What if you dont even have any asset to place? Will you not be able to raise any financial help? No, that is not true. You can easily entail funds without fulfilling the collateral clause as well. How? Just by applying for, quot;>non secured loans which are an ideal solution for you.

You generate the financial help for meeting various personal expenses or accomplishing other financial obligations such as:-
Consolidating expense
Paying for home improvements
For cosmetic surgery
Wedding
Vacation
Educational purpose

Non secured loans do not obligate you to pledge any asset as collateral against the loan amount. This enables non homeowners and those homeowners who cant meet collateral requirement to borrow funds. You can borrow anything ranging from 1000-25000 for a repayment term of 1-10 years.

These loans are not backed by any collateral and therefore are provided at slightly higher rates of interest. The risk of non payment is compensated by lender by charging a higher interest rate.

Any discrepancy in your credit report is acceptable. If you have bad credit records like arrears, CCJs, IVA, late payments, missed payments, defaults and such records then also you can apply for non secured loans. You blemished credit records will not pose any problem now!

Non secured loans can also be applied online. Online application is feasible and faster processing. You can even search for a lower rate deal for by doing a thorough market research. There are many lenders available online.

Non secured loans are a great funding solution for everyone. Non homeowners, tenants, students and even homeowners can apply for these loans.

About the Author:

Shaun Smith has been associated with Online Loanss. His articles provide you useful knowledge to find the right financial product at the right price. To find non secured loans, online loans, unsecured loans, instant loans, personal loans visit http://www.onlineloanss.co.uk/

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More and more people are resorting to Christmas loans to finance the holiday's purchases.

Christmas is getting closer and people start getting prepared. But Christmas is expensive; studies show that during Christmas season people's spending increases by more than 120% and more and more people are resorting to Christmas loans to finance the holiday's purchases. But what is so special about this type of loan
? And most importantly: What are the promotional terms that are being offered on these loans?

Christmas Loans Characteristics

These loans have specific characteristics that make them unique in the financial industry. They provide financing at reduced interest rates. The interest rates can be so low that you would be surprised, but we will get back to this subject later on. These loans also provide easy payments that turn reimbursement into a simple task as the installments are always affordable without much sacrifices.

Furthermore, the requirements for approval are less harsh. There are loans that do not even require a credit pull. No credit verification loans are offered during Christmas and have become very popular because they can be approved within less than a day. But this also means that bad credit applicants, no credit applicants and even those with a past bankruptcy can also get approved without hassles or delays.

No Interest Rate Christmas Loans?

Looking for low interest rate loans? How about no-interest loans? Yes, during Christmas seasons there are lenders offering loans absolutely for free. You are surely thinking that nothing comes for free so I will explain how they profit from these loans. What lenders usually do is offer higher amount loans at no charge with rather restrictive repayment programs. Thus, when a portion of the borrowers cannot afford the repayment, they agree with them to refinance the loan and settle a new repayment but they obviously charge interests on the new refinanced loan because by then, the Christmas holiday is over.

It is the refinancing they profit from knowing that there will be a good percentage of borrowers that will need to resort to refinancing. However, if you plan ahead and do your budgeting right, you can really take advantage of these loans and be one of those that will not need refinancing. But beware of those lenders that offer free or no interest loan but charge a processing fee. If it is only a small fee, it is ok. However, if the fee is so high that it can easily account for all the interests that they supposedly are not charging you, you should refrain from applying.

Seizing The Opportunity

If you need financing during Christmas and the amount you need is not that high, you should resort to Christmas loans because they provide the best terms during these special times. As soon as the holiday ends, regular interests are charged and obtaining the funds will be significantly more expensive. If you need high loan amounts, then you will probably be better off with a home equity loan or a cash out refinance home loan but if your need for funds is limited to a couple of hundreds up to two thousands or a little more, Christmas loans will provide you with an inexpensive or even free source of funds. It is an excellent opportunity that you should not let pass by.

About the Author Melissa Kellett is an expert loan consultant who has worked for twenty years in the financial industry and helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and many other types of loans and financial products. If you want to learn more about Guaranteed Financing For Bad Credit and Unsecured Personal Loan you can visit her site http://www.speedybadcreditloans.com/

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No load mutual fund investors normally either invest in the best mutual funds from one fund family or invest in the top mutual funds from several fund families.

Building a mutual fund portfolio requires a well thought out investment strategy that can prove rewarding over a long period of time. If you act as your own investment advisor, you will most likely implement a strategy that focuses on no load mutual funds. No load mutual fund investors normally either invest in the best mutual funds from one fund family, sometimes w
th the help of a mutual fund newsletter, or invest in the top mutual funds from several fund families. The rationale for implementing either of these strategies depends at least partly on your view on how to best add value to a portfolio.

Selecting the Best Mutual Funds From One Fund Family

Investors who believe that asset allocation is more important than manager selection are the likely implementers of a single-family approach. As long as you can find a fund company that offers high quality no load mutual funds that cover a wide variety of sectors and styles, you should be able to implement this approach. This strategy is top down and active in terms of asset allocation but passive regarding manager selection. While fund managers are important here, they do not drive the investment process. Several mutual fund newsletters offer model portfolios comprised of mutual funds from one fund family.

Selecting the Top Mutual Funds From Several Fund Families

The multi-family strategy normally incorporates a top down as well as a bottom up approach to investing no load mutual funds. For the purpose of this article, top down refers to asset allocation while bottom up deals with manager selection. Investors using this approach create a desired allocation and then select the best funds available to implement the strategy. 

Which is the Better Approach?

Single-family and multi-family investing are both viable investment strategies. However, spreading the risk among several companies can reduce what I would call mutual fund company risk. Fidelity and Vanguard are very highly regarded and successful mutual fund companies today, but no one knows what the future will bring. No company is infallible, as we have seen in recent years with the demise of top companies once considered to be leaders in their fields. Further, there is no reason why a person cannot invest in no load mutual funds from several companies. Sure, you are likely to get a plethora of statements in the mail, but you could opt for electronic delivery. Unfortunately, far too many people consider the volume of mailings to be a factor when choosing an investment program.

The Expense Factor

Whether you decide to invest in the no load mutual funds from one family or several, please make sure that you are selecting funds with relatively low expense ratios. The evidence is clear and convincing that mutual funds with low expense ratios outperform funds with high expense ratios. This is especially true for funds that invest in the large-cap sector, where it can be difficult for a manager to outperform the S&P 500 Index, a widely used benchmark for large-cap mutual funds. In the large cap-world, information is widely known and some managers find it challenging to add value through fundamental research.

Parting Advice

The decision to invest with one family or several can be very personal. Some people fall in love with their fund companies just like a portfolio manager falls in love with a sector and refuses to expand into other parts of the market. Emotions tend to cloud your judgment, leading to less than optimal investment decisions. Although as humans we are innately emotional, when navigating the investment world, you are better off making rational investment decisions.

About the Author

Michael A. Weiss, CFA is the editor and publisher of The Mutual Fund Investor, a quarterly publication that provides recommendations for some of the best no load mutual funds in various investment categories. To learn more about The Mutual Fund Investor, please visit http://www.mutualfundinvestor.net/. For information about how to subscribe, you can click on http://www.mutualfundinvestor.net/subscribe.html

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People who are earning less or have bad credit will have a difficult time getting a loan from a creditor. As a result, through home equity loan that uses the house as collateral is the only way to borrow.

Why do Lenders perceive home equity loans as relatively safe? This is due to the fact that the bank can simply confiscate the house of those who fail to pay back the loans. 

Many people have resort to home equity loan for different reasons. Various reasons include financing the purchase of a second
ome, consolidate high interest debts, pay for the tuition in college and renovate or remodel the house.

Although there is a risk of losing the house if you are unable to pay back the home equity loan, many still avail of this because it is for anyone who qualify for and get a huge amount. On the other hand, the interest rates are affordable and can also be written off as a tax deductible.

One program that is gaining popularity is the 125% home equity loan. This kind of program is considered a second mortgage and allows the individual to borrow one fourth of the value of the home.

To qualify for this type of home equity loan, individual must achieve a certain credit score and under certain guidelines, which is up to the lender.

The basis for those who qualify for this loan will be up to the lender. These firms can look at the length of time the homeowner has lived there as well the individual's current credit score. These things will influence the amount that will be given when the application has been approved. 

The lender will not require the applicant to have the property appraised when requesting for a home equity loan. The purchase price will be used as the indicator if the person has lived there for less than a year.

A home equity loan may last from 10 to 30 years. It is best to shop around and compare the rates of various lenders before signing anything on paper.

Everyone in the household must understand what will happen in getting this type of loan. This means making some sacrifices to cut down on costs to be able to pay on time rather than losing the house.

About the Author To be one step closer to financial freedom, login to Home Equity Loan today to learn more and to get an answer to any doubts that you may have. Click now and stay ahead!!!

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Recently, my family and I took a trip to Maine to visit relatives. During our stay, we toured the rocky shore lines and took in the beautiful architecture of the old towns.

One sunny morning, three generations of Wardlaws boarded a lobster boat and set out on a guided lobster trapping excursion.

We quickly learned lobstermen lead a life of hard work and regulations.

Over the course of many years, Maine's lobstermen and state officials have established certain criteria to protect lobsters and allow for greate
development. With the rules, lobstermen look for "keepers."

A "keeper" is a lobster that measures between 3.25 and 5 inches from its eye socket to the end of its back shell. In addition to the precise measurements, the lobster cannot carry eggs nor can it have a notch in its tail (indicating it is a breeding female). The notch is carved from prior lobstermen who observed the lobster's breeding.

If the lobster does not fit the criteria set forth, it is discarded and placed back in the waters.

As an investor, you constantly look for "keepers." At your disposal is a wealth of information to determine the quality of a position.

Depending on your predetermined goals (including risk tolerances and time horizons), you may use a number of measurement tools. If the position does not fit such benchmarks, you may consider moving on to a more appropriate position.

For example, among the many rules of measurement, an investor may look toward a mutual fund's beta. Of course the fund's management, its fees, asset allocations and historical performance should play a role as well.

For bonds, an investor may consider its maturity, the coupon, its yield to maturity (or call), price, and rating. An investor must also determine the type of bond. Do you prefer a municipal, treasury, or corporate bond?

And with regards to stocks, if you have been an investor for any number of years, you know the drill. Between fundamental and technical analysis, you have several traps to pull from the waters.

It is important to know the criteria that is appropriate for your portfolio. Remember, some positions may be keepers while others may be discarded.

About the Author Wardlaw's belief is that familiar life elements best illustrate practical investment strategies; not typical investment jargon. With that philosophy, the author assists financial planners/advisors, brokerage firms, periodicals, and other investment information syndicates create informative and entertaining articles. For comments and questions, please contact the author at tools2invest@yahoo.com


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This article will help to explain debt consolidation. Its benefits and down falls. Our hope is to increase awareness to those that are consolidatiog their debt, and things to be aware of during the process.

A debt consolidation loan is used to take all of the separate debt a person may have and combine that debt into one, lower combined payment. A debt consolidation loan will generally be used to reduce debt to a more manageable level. The new payment will be lower than the sum of the previous payments and is also tax deductibl
where those previous balances may not have been.

For example if a person had three credit cards with balances of $2000 each and monthly payments totaling $200, a car payment with a balance of $18000 and a payment of $450 and a second mortgage with a balance of $32000 and a payment of $550. That person could combine the total debt of $56000 and turn that into a payment of $469 for 20 years at 8%. This would show a monthly savings of $731 on a monthly basis. In addition the interest paid would be tax deductible for even more savings.

Debt consolidation is very popular as people tend to over extend. Last year the average amount of credit card debt held by Americans was over $8000. In addition the interest rate on a debt consolidation loan will usually be much less than that on those debts that are being paid off.

Many different items can be paid off by a debt consolidation loan: Credit cards, auto loans, other mortgage loans, furniture financing, student loan and other personal loans. The list is endless. The beneficial part of the equation is that combined sum of payments will be much more manageable.

A debt consolidation loan also gives a home owner a "fresh start." As bills add up, it becomes difficult to manage all the different debts at the same time. It is easy to write one check at the end of the month, and much more difficult to write 30 checks. By consolidating, it reduces the chance of delinquent payments, and allows a better scope of cash flow.

The biggest negative of debt consolidation is the opening up of the previous debt. Many consumers consolidate their debt and then use their now available credit for more purchases. This new debt, in addition to the debt consolidated, becomes too much to bear. One must be careful when consolidating, and make a personal pledge, not to obtain new debt once the consolidation loan is in place.

The moral to this story, is that debt consolidation can reap amazing benefits when utilized properly. When utilized to add additional debt load, it can be very detrimental.

About the Author Jason Bertrand is the President of JPB Financial Services, Inc., a Connecticut Corporation and member of the Better Business Bureau. He has over a decade of experience in the financial services industry and is a Notary Public in the State of Connecticut. Please visit the following sites: http://www.emortgageloanstore.com http://www.businessloansandleasing.com http://www.jpbfin.com Feel free to contact Mr. Bertrand with any questions or concerns through jbertrand@emortgageloanstore.com, or mail to: JPB Financial Services, Inc Attn: Jason P Bertrand PO Box 552 Vernon, CT 06066 860-982-533

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