A Brief Guide When Shopping For Personal Loans

Sometimes you need extra money for unexpected expenses like car repairs, unexpected bills, health expenses, school expenses, or a myriad of other reasons. Where do you go to get money for these unplanned expenses? Personal loans are available from many different companies and lenders for consumers today whether you have good or bad credit.

Your first place to try to get a personal loan is from a bank or credit union. Many times, they can offer you a loan based on your credit record. Personal loans from a bank or credit union usually do not have collateral attached to them and they are loans based on your name and credit record. Banks and credit unions are a great place to go for a personal loan if you have comparatively good credit.

Another place that you can get a personal loan is from a personal loan company. There are many of these places that will give you a loan. They usually need you to list some sort of collateral, but if you have a job and a consistent home, then they will normally approve you. This is a good option if you cannot get a loan at a bank or credit union but you need to be a smart consumer and ask questions before signing any loan papers. You need to know the interest rate, the length of the loan, and the monthly or weekly payment amount. Make sure that you can meet the requirements of the loan or you will end up in a worsened financial situation.

There are other options available if the above two choice do not work out. You can take items from your home to a pawnshop to get a loan. This will be a higher interest rate, but if you do not have any other options, this is a good choice. A car title loan is an option, but you need to keep in mind that you will lose your car if you do not make timely payments. A payday loan company is also an option but you need to be sure that you understand the terms of the loan. You need to understand the terms of any loan that you take out to make sure that you can make the payments and pay the loan off. Some of these options are a last resort, but if you need the money for a necessity, it may be your only choice. Just be sure that you go into the loan process knowledgeable about the details of the loan.

There are times in your life that you will need extra money for unexpected or unplanned expenses. It is always best to plan ahead and have a savings account for these expenses, but sometimes it is just not possible. If you do not have any other options, then you may have to take out a loan to cover these expenses. Getting a personal loan can be stressful and difficult at times, but if you do your research and know what you are getting into, then you are sure to be satisfied with the result.

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How Can Fundraising Consulting Help Us Raise Money?How Can Fundraising Consulting Help Us Raise Money?

If you need to hold a fundraiser and don’t know where to begin there is help out there for you. It is time for you to seek fundraising consulting advice especially if your fundraising event is going to be on a larger scale. Fundraising consulting will help you organize and take you through the steps to ensure your fund raising efforts will be successful.

A fundraising consultant will advise you where to start and the process you will have to go through to get where you’re going. Usually you know what you need the funds for but don’t know where the money will come from. All fundraising events start the same way regardless of if they are already established or something new. Using fundraising consulting services will help you add a professional look to your fund raising campaign.

The first advice you will get from a fundraiser consultant is that to start asking those closest to your organization for help. Depending on the size of the fund raising and your organization you will need the following: a board of directors, staff, volunteers, vendors, community businesses and individuals and finally a foundation. The second most important bit of advice you will receive from a fundraising consultant is never lose sight of the ones that started this with you. Start with those that are the closest to you to ask for help and stay with them throughout your fundraiser, these are the people that will get you through. They are your donors and will be critical to the success of your fundraiser.

A fundraising consultant will tell you that if you approach a new person for help, the first thing they will ask is what other sources of funding do you have. They will check to make sure where your support is coming from. If you have a strong support group it can go a long way in convincing someone that the fundraising is worth it. Through fundraising consulting, you will learn whom you can do business with. You will learn what vendors give donations and which ones don’t. If they don’t care to donate to your fundraising directly, they may give you a discount on your purchases.

Fundraising consulting is the only way to go when trying to organize on a large-scale project. The advice you will get from your fundraising consultant will mean more dollars in the end for your project. Once you establish a connection with a fundraising consulting service, you can use them for all your fundraising needs in the future.

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Easy Ways To Make Money through School Fund Raising

Did you know that school fund raising brings big business to many companies?

This is because schools purchase the supplies they need for fund raising in large quantities. The company can easily give a discount because they sell a lot of products at one time. School fund raising is also becoming an important part of school life because it offers schools different ways of fundraising the money they need for the equipment and trips.

Schools are constantly on the lookout for fundraising ideas for their next school fund raiser. They have to be creative to come up with unique ideas so that people will attend the fund raiser and contribute to the cause. Every season of the year brings school fund raising events and some are easier for coming up with fundraising ideas than others.

Halloween, for example, provides schools with fund raising ideas in the form of a haunted house or a costume ball. This type of school fund raiser needs a lot of volunteers and is best for middle schools and high schools. An idea for an elementary school fund raiser for Halloween could include a Halloween party where the children have an opportunity to take part in games where they win prizes.

Quite often school fund raising takes the form of selling items that people need or want to buy. Selling chocolate at Easter, for example, always goes over well as a school fund raiser. Instead of purchasing large amounts of chocolate in hopes it will sell, most schools take orders. The company supplying the chocolate for the fund raiser offers a discounted price along with specials for orders of a certain quantity. They also supply prizes if the school wishes to award prizes for the person who sells the most.

Read-a-thons are a specialty for school fund raising. Parents avidly support this type of school fund raiser as it does promote a school activity while raising funds for other programs. Students really get into this type of fund raiser as they compete with the other classes in the school. The principal sometimes sweetens the pot by offering an incentive for the success of the fund raiser, such as offering to shave his beard or come to school dressed in pyjamas.

School fund raising is a competitive field, and needs some good ideas.

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The Road to Financial Freedom: With a solid plan you can grow wealthy.

The road to financial freedom is a lot shorter than you may think. For those of us who did not start our lives wealthy because of our family, we only have 46 to 49 years of income producing – more if you want to work into your “retirement” years.

During that time, we must complete our education or training, get a job or open a business, while meeting the many demands on what income we have left after taxes.

We have to provide for food and shelter, clothes and transportation, child rearing expenses, college tuition, vacations, Christmas presents, insurance premiums and more. The list never seems to end.
How is it that some people can retire at age 50 in spite of all this while others will never retire at all. If you read the article, Get Rich Slowly , you can see how you can use the power of compound growth to amass millions if you start young. However, this is the period in most people’s lives where the greatest demands seem to be made on their income.

First of all, you’re just starting out and are nowhere near your peak earning power. You might have just married and need a home and furnishings. You might have to buy your first suits or business dresses for your new job. And you want to enjoy life, so you vacation, buy or lease new cars frequently and just basically run up debt, many times to be piled on top of your existing student loans.

But some people manage.
First they live within their means and save as much as possible. They take advantage of all the tax shelters the government allows and if possible, save even more. They invest in or start a part time business, rental properties or learn to increase their returns by smart investing.

They insure against potential risks that could ruin them financially. They use debt wisely. They don’t necessarily shun debt, but use it as a tool to grow wealth. For example, they can leverage one 20% down payment into a string of houses using mortgages. They can use margin debt to double the amount of their investment funds.

They can take advantage of tax credits, government guaranteed loans or grants offered to small businessmen or to certain minorities to fund multiple streams of income. But they don’t use debt to fill the house with things. They pay cash for their new TV’s and stereos.
They take taxes into account when planning their lifestyle and investments and use all the tricks the IRS lets them get away with.

For a little over $3.00 a day, starting at age 22, you can amass over $850,000 in an IRA.
The difference between the financially independent and most of the rest of us is that they can find that $100 a month and don’t consider it some kind of sacrifice to invest it rather than spend it.
Most people will complain they have no money left over and that they live from paycheck to paycheck. But in almost all cases this is a lifestyle choice.

There are many stories of very low income people managing to put multiple children not only through college, but also graduate school or leaving millions to a favoritecharity.
These people are special in the sense that they had a goal and stuck to it no matter what. They worked hard, saved their money and achieved what they wanted to achieve.

Everyone can do this. You just have to ignore the siren song of commercialism, and decide whether a secure future for yourself, a college education for your children or a large bequest to your favorite charity is worth skipping the daily double latte at Starbucks. That about all it takes to get you well down the road to financial freedom. The road to financial freedom is literally paved with gold, yours for the taking.
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Building An Emergency Fund - A Vital Part of Financial Planning

None of us have the ability to foresee the future or predict the hurdles which lie ahead of us. This makes building an emergency fund a financial priority. Building an emergency fund is healthy for your financial well being, since you’re rarely given advance notice of a setback or an accident which will keep you out of work for an extended period. It is also a safety net that can save you from bankruptcy or severe financial hardships in the event of an unexpected change in your income or expenses.

Housing a small rainy day fund should be a vital part of an individual’s financial goals. This is of high importance if you don’t already have readily available funds in your account for covering any unanticipated expenses. They provide financial security because they give you funds to fall back on if you become ill, or if you or your spouse loses your job, you incur large medical bills, or have an unexpected large bill such as a major car or home repair. You do not want to end up in a situation where you have to buy daily necessities on credit and end up payments on groceries you bought two years back on credit, with a further 10-18% interest on it.

Saving your money in an small account for emergencies is definitely a better alternative to taking a loan or cashing in your long-term investments. If you take a loan, there is the additional burden of paying interest. Encashment of your investments before maturity means not only will you lose out the interest, but also some part of the original investment. This will also set you back significantly in your overall financial plan.

Success at building an emergency fund depends on consistency of saving money on a regular basis, and resisting the urge to dip into this rainy day fund for non-emergencies. This money should be kept separate from the general savings account. Otherwise you will be tempted to dip into these monies even if you simply run over your budget at a certain point. A substantial part of this emergency fund account should be invested in low risk funds. This ensures that your investment does not lose its value in case you need the money. Also, it should be extremely liquid, to give you access to the cash easily and quickly if you need it.

The size of the special savings account will depend on your personal situation. People often keep three to six months’ salary in the reserve. But you will have to decide on an appropriate amount based factors such as your dependants and fixed monthly expenses.

If you are single with no obligations, and have a reliable support system of friends or relatives during a financial crisis, you might not need a substantial amount stashed in this fund. This is opposed to someone who needs to pay nursing costs for his aging parents and supporting a young family. The more people you support, the more likely you are to have unexpected or unplanned costs.

While making a decision about an emergency fund, you should also take into account the degree of difficulty you'd have in finding a new job if you lost the present one. In case of a two-income household, the contribution of both parties should be weighed while calculating how much you should keep aside.

You may not be able to gather your emergency fund money together at once. Treat it as a financial goal and add to the kitty over time. If you get a tax refund, put it in your special rainy day account. Maybe a part of the bonus at work!

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Banks, Loans & How To Save Big Bucks

When shopping around for a loan, whether it be auto, home or consolidation, most individuals turn toward banks for the money that they need. There are a number of factors that can determine how much, or how little, money you can save.

Are you familiar with your credit report and FICO score? If not, you should be. Visit annualcreditreport.com to receive a free copy of your credit report, from each of the three credit reporting agencies, once every 12 months. Typically, these reports are $9.00 each but many consumers do not realize that they are entitled to a free copy every year. There are no catches, no gimmicks and no trial period in any type of paid service in order to gain access through this website. The information contained in your credit file is one of the top factors in determining your loan amount, interest rate and ultimately a decision as to approval or denying the loan request. Everyone should be familiar with their credit report, verify the accuracy of their contents and correct any mistakes that are present. The FICO score is a number that is calculated based on previous payment history, debt to balance ratio and length of credit history. The higher your FICO score, the lower your interest rates.

During the loan application process, banks will retrieve a copy of your credit report. They will also request certain other information, which only you can provide. Among the items that banks request when processing a loan application include current pay stubs, a copy of the previous two years of tax returns and possibly even bank statements and proof of employment. When applying for a large loan, patience is the key. Some banks respond within 24 hours while others may take up to a week. Even if one bank denies your request, don’t give up. Try other banks, who may be enticed to extend a loan in hopes of gaining you as a future customer.

These days, there are loan opportunities for practically everyone. No credit, bad credit, slow credit. You name it and there are banks out there who want your business, but there may be a catch. Depending on your credit history, you may end up spending more than twice as much in interest as someone with a spotless credit record.

Some banks do not specialize in large loans, such as home and auto, but rather extend smaller lines of credit to consumers. These lenders typically issue credit cards to those who are approved. While your credit history does play a large role in determining your interest rates with credit cards, it does not determine other miscellaneous fees. Certain fees, which are charged by banks issuing credit cards, are blanket fees issued to everyone who carries a line of credit. Late fees, overlimit fees and annual fees are among the miscellaneous fees charged by many credit card companies. Avoid banks that charge excessive fees upfront and reduce a large amount of your available credit with said fees. With credit cards, keep in mind that interest rates can skyrocket after only one missed payment. You will save a lot of money by paying on time, every time and by keeping your credit card debt to a minimum.

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7 Online Banking Success Stories

You have seen their ads and you may have wondered if they are worth a second look. What am I talking about? Online banks! Also known as internet banks, these are financial institutions who provide the majority of their banking services over the internet. Typically, online banks offer consumers high savings rates, low loan rates, and a mix of other services. Let's look at 7 winners in this fast growing field:

1. E Trade Bank Part of E Trade Financial, the discount internet stockbroker. E Trade Bank offers checking accounts, money markets, and certificates of deposits as well as a VISA credit card.

2. Netbank Along with offering checking and money market accounts, Netbank provides mortgage and home equity lines of credit to customers. With tie-ins to affiliated companies Netbank also offers Auto, Homeowners, Condo/Co-op & Renters Insurance and Life, Health, Long Term Care & Dental Insurance.

3. Virtual Bank VirtualBank, a division of Lydian Private Bank, is a federally chartered bank regulated by the Office of Thrift Supervision. The bank offers checking, savings, and credit card services to customers.

4. Ever Bank This leading internet provider of banking services offers the most extensive, and varied services of any online institution. Ever Bank offers business and personal checking accounts, mortgages, home equity loans/lines of credit, reverse mortgages, a VISA credit card, and world currency accounts. This latter category is for investing in Deposit accounts and CDs denominated in any major world currency.

5. Emigrant Direct Part of Emigrant Savings Bank which traces its roots back to 1850 as a service provider to Irish immigrants. Emigrant has $10 billion in assets and more than $1 billion in net worth. It operates as a full service bank through 36 branches in the New York metropolitan area, and through EmigrantDirect.com. Emigrant offers only consumer services online; their high paying savings account is a chief investment vehicle.

6. ING Direct ING is a global financial institution of Dutch origin offering banking, insurance and asset management to over 60 million private, corporate and institutional clients in more than 50 countries. ING offers mortgages, loans/lines of credit, savings accounts, certificates of deposit, and money market mutual funds through another division.

7. MetLife Bank Yes, MetLife. A division of insurance powerhouse Metropolitan Life, MetLife Bank offers savings accounts, certificates of deposit, money market accounts, mortgages, and IRAs to consumers.

If you are banking exclusively with a "brick and mortar" institution you may be missing out on high paying investment options or competitive loan rates that easily undercut many traditional banking entities. These online banking success stories are only part of a growing number of savvy providers, some of whom are definitely worth a closer look by you, the consumer.

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Accounting Outsourcing Service to augment your business prospects

Are you unable to keep a tab on the heavy accounting work undertaken by your accounting firm? This is just no reason for anyone to despair about his/her business prospects. Opt for accounting outsourcing service from an outsourcing firm to meet hectic customer demands. Accounting is a seasonal business, which witnesses heavy demand from customers to get their tax returns prepared and pay their taxes timely. This is the time when accounting outsourcing service comes as a boon to accounting firms and CPAs.

Several outsourcing companies deal with accounting and provide their clients with accounting outsourcing services. If you are eager about earning revenue through your accounting business, outsourcing the process is the best source for you. Accounting outsourcing services are offered considering the urgent requirements of CPAs and accounting firms to meet customer demand during the tax season in the US.

To run your accounting business successfully, you will have to choose a good outsourcing company which meets all your requirements. Take a few minutes out of your busy schedule to scout the best accounting outsourcing service provider to work for you. The World Wide Web is the best source for information regarding bookkeeping outsourcing service.

While researching for a good outsourcing company, it is very essential to check out the different features provided by the company. See the different types of security features which are put in place for protecting customer’s financial security and personal identity by the accounting outsourcing company. In this age of advanced communication, it has become all the more important then ever to maintain strict secrecy about customer’s finical details and personal identification. Customer security must be of major concern for any outsourcing company.

Compare the cost offered by different companies for doing accounting outsourcing work. Opt for the firm which provides you good quality service at an affordable price. Sometimes however compromising on the price for the service offered to you can actually spell loss for a business. This is to say that always the highest price does not guarantee the best services and vice versa. So you must undertake careful considerations before you actually choose a company for doing the outsourcing work for your firm.

You can get many benefits and enjoy peace of mind by outsourcing your accounting work to an outsourcing firm. Accounting outsourcing service work is done by trained professionals in the developing countries. This means the cost of labor is low compared to other places. Professionals in developing countries are highly qualified, but lack job openings. So by accounting outsourcing your customers can get their work done by highly qualified professionals, without spending an extra cent.

Another benefit of accounting outsourcing service is that if you are at anytime not satisfied with the work done, you can fire the accountant and hire new ones for doing the job. With plenty of opportunities available, you will not find any dearth of talent and manpower in this field. There are plenty of opportunities open for you to explore on the internet.

Accounting outsourcing service spells instant success for a business. The simple reason for this is the reduced cost of the services provided. By accounting outsourcing service the entire method of accounting is made cost effective and simple for CPAs and accounting firms to handle.

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A site that will take care of all factoring requirements of is finally at your fingertips.

A business can only grow when it makes more sales and wins the trust of the customers. However often the suppliers of raw materials want payment quickly while you have to sell finished goods to your clients on credit basis where the credit period may range from one to two months. Factoringquotes takes care of all your accounts receivable and by paying the seller of raw materials on your behalf and also paying you your dues from your clients. The company then recovers the dues from your client after the payment arrives. As a result your cash flows are not hampered and also you have money on hand to settle all your dues. Factoringquotes charges commission as a certain percentage from the total amount for rendering its services.

Hence in case of accounts receivable factoring, you may get up to 98% of the outstanding receivables. As a result the company will be able to process all orders and also increase its sales. Factoringquotes handles monetary transactions ranging from $5,000 to $30,000,000 per month. Also when you pay your supplier on time, often you can take advantage of supplier discounts.

You can get all factoring quotes quickly. All you have to do is provide your company details and requirements and within a few hours a representative of the company will get in touch with you. Factoringquotes also assists in other factoring requirements such as small business factoring, construction factoring, export factoring and even cash flow factoring.

Small business factoring proves to be a strong tool for small businesses who have just stepped on the path of progress. This is because a small business may not have the ability to sell goods on credit for 2-3 months as its funds will be locked up in accounts receivable. Factoringquotes comes to the rescue at it takes care of all accounts receivable of the company by providing immediate cash. The site also helps with purchase order financing where it pays for raw materials bought on behalf of the company. As mentioned before, the company stands to gain in the form of seller discounts.

Factoringquotes has also diversified in other types of factoring such as medical factoring of accounts receivables. In this industry the site arranges for funds to be paid to a health care provider on the insurance claims that are frozen in accounts receivable. Then there is also freight bill factoring where the company buys your freight bills and invoices and then gives you advance cash in less than 24 hours. The customers are given an options as to which bills they want to factor. Hence factoringquotes proves to be a cash flow solution for all companies who don't want their funds blocked for a long period of time.

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A Guide For Writing a Funding Proposal

No guide for writing a funding proposal would be complete without cautioning that a business looking for funding cannot do so without also presenting a completed business plan. Every lender, whether bank or other financial institution, venture capitalist, or private individual, will want to see the firm's business plan in addition to the project detail. They'll want to know the company's mission, its goals, its steps to achieving those goals, its products and services, its available resources, the market, the competition, and your firm's competitive edge.

The business plan that accompanies the funding proposal you write and present should also include the owners or officers and all major players such as executives and others instrumental in the day to day workings of the company.
If you're new to writing a funding proposal a guide is essential, whether a written brochure or publication, online assistance, or a counselor at the local small business development center. SCORE, the Service Corps for Retired Executives, is another top-notch resource that can guide you through writing a funding proposal. The volunteers are all retired executives and other experts who have been where you are and have succeeded.

In addition to the standard documents that the bank or credit union will require for the loan application, the lender also expects to see a written funding proposal when you apply for the loan. Rather than looking at writing a funding proposal as a tedious chore, look at it as the guide for your lender to see just how exciting, promising and profitable your idea and firm could be and what an opportunity they have to be a financial part of your great venture.

Give your funding proposal a zippy but clear title, then talk about the overview of the project you've planned, supplying background information on the problem as you see it, the details of the project that will solve the problem, what resources you have available and what resources you'll need to get the job done, what staff and administration help you have and what else you might need, the facilities available for your project and any that you'll need to lease or buy in addition, any supplies or equipment or personnel that will be added, and any communication capabilities or requirements that are pertinent. Present a budget for your project.

Step by step, you should:

* Write a cover letter with your funding proposal, both as an enticement to read the proposal and a guide to what will be found in the funding proposal pages. Included in the cover letter, besides the title, are a brief introduction to your firm, the purpose of the loan and the amount of money you are requesting.

* The funding proposal should begin with the company name, address, and contact information such as phones and e-mails. Here should also be the names, titles and social security numbers of all the principals, the reason for the loan, the amount requested and details of what you will be doing with the money including the equipment and supplies purchase, perhaps the lease of new facilities, the resources now available, the staff that might be added, and the administration personnel that will oversee the project.

* Next offer extensive details about the firm, including any previous projects and performance, clientele, overall goals and objectives, unique aspects of the firm and the ownership and legal structure.

* Background information is next, with details about the company budget, as well as the project budget, the market and the competition, and your firm's standing among the competition. Details on the current clientele as well as an evaluation plan for determining the company's overall financial and competitive health and for that of the project itself should be included as well.

* All key personnel should be profiled, including their education, the accomplishment both as a firm member and prior, as well as their qualifications. Along with background information and a budget for the project, you should provide all information and documents about the last three years of the company's operations. If not in business that long, provide the financial statements including balance sheets and income statements that you have. Collateral should be pledged for the funding.

* Written communication is a crucial part of your funding proposal and someone should guide you through the process by proofreading the materials, to check for spelling, grammar, factual accuracy and overall quality of presentation.
Any time you apply for a loan, whether the details of the needed resources, the project overview, the statement of the problem, and the budget are already in the application or the cover letter, you should still submit a funding proposal as an overall guide to the loan officer and other funding decision makers.
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A Debt Consolidation Program To Relieve Debt

Debt consolidation programs are good if you are paying on several different loans. They can make your life easier by giving you one monthly payment. Your monthly debt decreases if the program you use for debt consolidation stretches your payments over a long period of time. Paying less every month will free up some extra cash. A successful strategy sometimes is to use a debt consolidation program. With these programs you can manage various high-rate revolving debts with one payment. Let’s say you have several high credit card balances with high interest rates. With the debt consolidation program, you will be able to lower the interest rate you’re paying and manage the debt better.

Debt Consolidation Programs Reminders A debt consolidation program doesn’t eliminate your debt. All these programs do is move your debt to make it easier to make the payments. You will have to pay the money back sooner or later since you do owe it.

One problem with a debt consolidation program is you will feel like you owe less. Your credit cards will again have large amounts of available credit for you to use. Beware of digging yourself into a deeper hole by continuing to add to these balances.

With a debt consolidation loan you may end up paying more in total interest. By stretching your payments over a longer period of time, your total interest cost could possibly be higher. Of course, it may help you more easily manage your current cash flow.

There are risks by using debt consolidation programs. If you’re using a home equity loan or line of credit to consolidate your debt, the consequences of falling behind on the payments can be disastrous. You could lose your home if it is pledged as collateral against your loan. How to Choose the Best Debt Consolidation Programs You should shop around to find a program that fits your needs. Local credit unions and banks you already deal with are a good place to start.

They are a reliable source and will most likely give you a fair deal. You might also try a bank you aren’t currently working with. Be careful of scams though, when searching the Internet for debt consolidation.
When searching for a debt management company, look for experience, how professional the company is, their assistance and budgeting services. Try to find a local company you can communicate with without having to drive for hours to talk to your counselor.

The debt management industry is unregulated. Scam artist are out there waiting to charge your outrageous fees without informing you of the best solution for your situation. Try to find out some of their customers and talk to them. Get recommendations and research online if possible. When you team up with a debt management company who is less than above board, you may be left feeling insecure. You should relate well with your counselor and understand what they suggest. That peace of mind should help you pursue your goals and your financial future more comfortably.
Also the debt management company your choose should be a be advise you on how to deal with angry creditors, whether bankruptcy is an option or how to consolidate debt or simply reorganize your bill payment schedule.

Remember, your main goal is to work towards a better understanding of your financial debts. You will want to learn how to take care of your own debts, assets, and financial goals through your counselor’s advice. The debt management and debt consolidation is only stepping stone towards your own financial self-reliance.

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A Debt Consolidation Loan Help Get Your Finances Back On Track

Recent studies have shown that an average individual in a developed country spends almost forty per cent of his or her monthly salary before earning it. Today’s society runs on credit and with loans being easily available for the fulfillment of each and every desire, be it owning a new car or going on a holiday, we can easily be labeled a credit dependent society. However, a major downside to this credit trend that we are living with is that more and more people are finding it difficult to manage their numerous loans and landing themselves into bad credit situations.

While some people actually end up in bad credit situations because of over spending and mismanagement, the majority of people who are finding it difficult to pay back their loans on time are those who have been faced with sudden job losses, illnesses, transfers or accidents. If you are also on the verge of getting into a bad credit situation or are already knee deep in loans that you are finding hard to pay back, then you should avail the help of a debt consolidation service as soon as possible.

Many financial institutions offer debt consolidation services to people who want to make their debts more manageable. A debt consolidation firm can be of great help to people who cannot pay back their numerous debts on time and are being forced to pay back even higher amounts as a result of increasing APRs and late fees. A debt consolidation service will pay off all your outstanding debts and consolidate the amount into a single loan which you will be required to pay back. So a debt consolidation loan will be the sum of all your debts put together.

However, taking a debt consolidation loan is a better option than paying many separate loans with different terms of payments and different rates of interest. This is because companies offering debt consolidation loans will provide you with better rates of interest (much cheaper than what you were paying earlier) and more flexible terms of repayment. Apart from having to pay lesser amounts, a debt consolidation loan is easier to manage than your previous outstanding balances since you only have to make a single payment per month at a constant rate of interest.

Based upon your needs and requirements, you can avail different types of debt consolidation loans. The cheapest and the most easy to get debt consolidation loan is the home equity loan where you get the loan after putting your house as collateral. This is also known as a secured debt consolidation loan.

The major disadvantage associated with such loans is that you might end up losing your house if you default on paying back the loan. You can also get an unsecured debt consolidation loan where you do not provide any collateral, but these loans carry a much higher rate of interest than secured loans and also have stricter repayment terms. Many credit card companies also offer balance transfer cards where you can transfer all your outstanding balances to a single credit card which has a very low APR for the first few months.
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Paid Surveys – Tips to Work From Home and Make Secondary Income

Participate in paid surveys and earn secondary or primary income with minimal effort and without leaving your house. It's amazing how much money you can make and also the prizes you can win by filling out simple surveys. Of course when something is too good to be true there is a risk. We have been doing research on Internet fraud for three years and found out there are a lot of scam survey and work at home providers. A lot of survey websites offer people a database with a fee for paid surveys which turns out to be scam surveys. Also, survey sites offer free access to their survey database but require you to register with their site. Again, this is a scam. They keep your information and sell it to third party companies.

Why should you take online surveys?:

• Influence the development of new products and services
• Make money....Easily be paid from $1 to $100 for 20 minutes of your time
• Work from the comfort of your home
• It's free to join, No cost what so ever
• It's are fun and interesting...you learn a lot about current product and product in the near future
• It's Easy....all you need is a computer
• Earn great rewards and prizes...some survey companies send product to keep and only ask for feedback
• You make a difference by expressing your opinion

Sample Questions: (95% are multiple choice questions)

• What cereal do you prefer? A) Raisin Brand B) Frosted Flakes C) Chex
• Have you heard of the Tom-Tom Navigation System? A) Yes B) No
• What vacation destination would your prefer? A) Beach B) Mountains C) City
• What airline do you prefer? A) Delta B) American Airlines C) Air Tran

Survey Tips:

• Register only with online survey panels that list a privacy policy on their website
• Look for panels approved by the Better Business Bureau (BBB) and that have privacy policies reviewed by eTRUST or features the WebTrust for Online Privacy Seal of Assurance.
• Beware of "survey websites" asking you to receive information for special offers and other survey panels during registration - these websites may sell your name and information to other companies that will send you spam.
• Always set up a separate e-mail account exclusively for survey invitations. This will make it easier for you to see how many surveys you have received, and will avoid spam being sent to your personal e-mail address, should you make a mistake and register with an unreputable surveys website.
• Beware of "survey websites" that ask for overtly personal information such as your bank account information, credit card numbers, full names of family members, etc. A real online market research company would never ask you to provide this type of information.
• Be cautious of "get rich quick" websites. You cannot get rich taking online surveys. However, you can make a decent amount of cash on the side participating in surveys.
• Legitimate online survey e-mail invitations will provide information on the type of study being conducted, the survey length, and the incentive for completion. Do not respond or click on e-mail "survey invitations" that feature ads to win products, cash, etc. These e-mails are not coming from legitimate market research companies!
• Some research companies will ask you to download software after registration. This software usually tracks your web browsing habits and the information is then sent to marketers. It is ok to download this software if you can verify a legitimate market research firm is running the site - do your homework to make sure that this is indeed the case.
• Look for mentions of marketing association memberships on survey panel websites. Reputable associations include CASRO (Council of American Survey Research Organizations) and the AAPOR (American Association for Public Opinion Research).
• Your opinion counts! Marketers truly are interested in what you think, enough to reward you with cash and prizes just for sharing your thoughts. Stay cautious when registering with online survey panels, but when you've found a reputable panel - have fun and reap the rewards of being a panelist!

Finally, go to a free website which does not make you register. Looking on onlinedatajobs, it seems all of the survey companies are legit so this would be a good website to start off and apply. Plus they give you great tips on how to utilize the survey process to help save time with little effort.
Have Fun!
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Online Cash Payday Loans – Have Access to Money the Same Day

A loan must be available on time if there is some urgency involved in it. There may arise many hurdles in taking out an instant loan by making personal visits to the lenders. This is where Online Cash Payday Loans come into play. However, these timely loans sometime become a burden on the borrowers, whose income is smaller one.

As is clear from its name, the loan comes on an online application of the lender. From filing, the application to processing and approving of the loan becomes free of hassles, as the borrower get the loan without moving out of his house or office for the purpose. However, make sure that you provide correct details in the application. Otherwise, you will create doubts in the lenders’ mind and the approval will come with delay.

Through these this way of availing the payday loan, you get it into your bank account within 24 hours for urgent use. You must have an active bank checking account. To qualify, you must have a job for past six months at least, with a fixed monthly salary.

The loan amount will depend on your monthly salary cheque. Usually, you are eligible to borrow anywhere from 100 to 1500. The approval is for a very short period of two weeks only. You can rollover the loan for a month as well.
A disadvantage is that payday loans carry a very high interest rate, which could go up to 30 percent. You will make huge interest payment on total amount of loan. Some time the borrowers incur debts when they opt for extending the loan, which requires them to make exorbitant interest payments. Ensure that you borrow the money for urgency and that too when there is no other alternative left.

Your bad credit history is usually not a hurdle as the loan approval comes without any credit checks. One can say that you can make improvements in your rating on timely repaying the loan.

In today’s competitive world, you can find online cash payday loans at comparatively lower interest rate. You shall have to compare number of such offers on internet. A lower fee can be an advantage of taking out these loans. Make timely repayments to avoid debts.
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Great Money Saving Tips

Everyone wants to save money, but no one wants to change his or her lifestyle to do so. Many people think that the only way to save is to go without; Give up eating out at restaurants, stop going to the movies, stop shopping, etc. This is not the case! It is very simple to still enjoy going out, as well as save money. You just have to find ways to spend less while going out.

Here are some examples:
When going to a restaurant:· Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment Book has coupons for many restaurants. The restaurant’s own website might have a coupon that you can print out and bring in. Sometimes you will find coupons in their take-out menu. You will be able to save a few dollars just for taking a few seconds to look for a coupon.

· Share a meal. If you’re going out to dinner, many times you can get away with ordering one main course and an appetizer or salad and sharing them with your partner since the portions are so large. By splitting them, you will save a lot more then if you had each gotten your own meal, plus you will get more of a selection since you’ll get to taste both an appetizer and an entrée.

When wanting to see a movie:
· If you want to go to the movies, consider going during the day, or in the early evening. These are all considered matinee showings, and you will usually pay about half of the price you would pay at night! It doesn’t sound like that big of a savings, but if you go to the movies just once a month, you can save $54 a year per person. You’ll save even more if you go more often!

· If you want to save even more money, you can rent the movie once it goes to DVD. Many websites will allow you to buy packs of 10 DVD rentals, and you will end up saving anywhere from $0.50-$1.50 per rental! This can really add up. If you rent one movie per week, you can save up to $78 a year! Also keep an eye out for coupons that allow you to rent one and get the second free.

There are many other simple things you can do to save money when going out to enjoy different forms of entertainment. For other tips like the ones you just read, see the website below.
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Funny Ways To Save Money

There was a list of funny ways to save money on a "frugal living" website. They weren't necessarily meant to be funny, but were gleaned from real suggestions sent in. Some cheapskates don't seem to notice that an extra hour at work might put them further ahead than many hours of penny-pinching.

The following are real suggestions, and then there are some funny ways to save money that you really shouldn't try.
Funny Ways To Save Money - The Real Suggestions: One person suggested ways to save money on weddings that included picking up the leftover flowers at a cemetery. I'm not sue how you can tell which are "leftovers."
Another creative penny pincher found a way to save money on a car wash. He washed his entire car using the squeegee at the gas station.

A woman confessed that she has the kids stuff their pockets with the free ketchup, salt and other condiment packets every time they were in a fast food restaurant. That's not all, though. She actually had the kids squeeze ketchup and mustard from the packets into regular jars of ketchup and mustard, and claims she hasn't bought these condiments in years.

To save money on an umbrella, one man suggests going to the lost and found department of any large public library. Tell them you lost a black umbrella. They will have several, from which you can pick the best one and claim it as your own. Call people long-distance when you know they won't be home. Leave a message for them to call. That way, they pay for the long-distance call.

Funny Ways To Save Money - Don't Try This At Home: Don't pay baby sitters! Get young couples who are thinking about having kids to "rent" yours for the evening. They get to see what it will be like, and you can get paid instead of paying for sitters. Turn off the TV and all the lights to save electricity. Tell the kids it's a game of hide-and-seek. Train your dog to beg for food from strangers, so you won't have to buy dog food. Rub pine needles under your arms instead of buying deodorant. Take extra napkins from fast food restaurants to save on toilet paper.
Borrow your neighbors toothbrush instead of buying your own. If I write a book on ways to save money, funny or not, will I make much in sales, or will everyone take my suggestion and borrow it from the library instead of buying it?

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3 Things You Must Have to Make Lots of Money Fast

Where ever you are presently in your life you can begin to make large amounts of money very fast if you understand a few simple principles. Despite what anyone may tell you these principles of generating money fast do work.
These principles are not difficult but in order to understand them you must process them. You must take the time to give them some thought, until the thought becomes a part of your very being.

How to make money fast is one of the hot topics on everyone’s mind. Most people will tell you that claims of making fast money is a hokes. Those are the very people who believe that only hard work and struggle can create money. However despite the hard work, the concept of fast money is still not part of the equation. After all if you are working very hard you are unlikely to be making the sort of fast money that you would dream of.

I can tell you from first hand experience that fast money does not come through hard work. If you are marketing your business or interested in accumulating more money struggling will only kill your changes of getting money in a fast and easily way.

=> The first think you need in order to make fast money is to have a clear goal. How much do you want? You would be so surprise at how many people want more money but don’t have a clear idea as to how much they want.
Without a clear goal your desire is just a wish, it is not concrete. Be specific about how much money you want and by when you would like to have it.

=> The very next step is to take inspired action. Inspired action comes from the universe as a nudge. It’s the perfect idea, job or business that will help you in getting your goal accomplished.
It makes no sense trying to do something that your neighbor or your coworker tried. What is an ideal opportunity to make fast money for them may not be ideal for you. Besides your goals are unique and the opportunities that are rightfully aligned for you are rightfully suited for you to reach your goal in the time that you desire.
=> The third most powerful step is to have a clear and bright vision of your goal. This is where most people fail. Most people get caught up in fear and worry that their goal will not be able to materialize and spend lots of wasted time holding back on their actions.

How many times have you been offered a great idea which you may have promised to do but allowed your fears to get in the way? You must be able to hold your vision in such a way as to feed it with your own personal powerful intention that your vision will materializes money a lot faster than usual. Many people who understand the power of holding a clear vision have gone on to make money very fast again and again. Those are the ones who deeply understood the precise way. With a little time and your deep desire you can literally suck money to you faster.

Over the years I can honestly say that I have tested all these theories and without fail they work in generating money faster than if I did not practice these methods.
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Ways to earn good profit out of mutual fund. It is more of commonsense than an art or science.

Mutual funds are the vehicle that help normal individuals to invest together in equity and debt market without taking too much of risk. The mutual funds are created with predetermined investment objectives, to suit different kind of investors. More over mutual funds are made in such a way that they achieve a variety of risk/reward objectives. However, the right way to benefit from mutual funds is to balance the risk as well as the potential to earn. That’s the reason, identifying the right level of risk tolerance, choosing the right schemes and allocation to the right asset class remains the most important factors in ensuring success from a mutual fund portfolio.

First point is the right funds in your Portfolio:

When we select funds we need to make sure that we need to have right mix of right funds. For that we need to keep in mind your profile and the kind of fund that matches your profile. If you are a conservative investor, the composition of your portfolio would be different from someone who may have different risk profile and time horizon such as aggressive.

Moreover If you have created a portfolio of different equity funds, and wish to invest more in equity over a period of time. Make sure that you keep an eye over the exposure to all the sectors in which the funds have invested in. we need to look over the fund houses and fund managers styles, strategies, and philosophies. There is a difference between different fund manager’s style and strategies to a good level. The fund houses are very particular to their fund management philosophies and management style. The fund management style is further reflected in the performance of the funds they have.

As far as fund management style is considered we need to look at the performance of their funds over a period of time. To perform consistently over a period of time is not an easy task. Only few funds have been able to perform at a consistent rate. These fund houses and fund managers do follow certain styles which further become the core of the fund philosophies

As a Tax payer – Make use of its hidden potential:

Equity Linked Savings Schemes (ELSS) are the best instrument that provides an investment option that provides you an affective and safe way to investing in equity market and save taxes. If we take this particular fund as a product it is quiet sure to give good returns over a period of time. Over a period of time equities have the potential to provide better returns compared to other instruments. These ELSS funds being equity oriented provide returns which can be really appreciable. ELSS have the potential to provide better returns than most of the options under Section 80C.

One of the important features is the tax efficiency in terms of returns earned through them. It is important considering that ELSS also aims to distribute income by way of dividend periodically depending on the distributable surplus. Moreover an SIP in any ELSS scheme will help you to save more by investing more, as you save more of taxes. More over the long-term capital gains can be very attractive and is again tax free.

Re-balance your portfolio if required:

Ensure that the exposure of your equity portfolio to different market segments i.e. large cap, mid cap and small cap is in the right proportion. If not, you need to realign it according to your risk profile, time period and investment objective. You might need to scuffle the portfolio a bit in order to get it in right shape. An existing investor, need to make sure that the portfolio does not include too much of funds without any proper planning and allocation. The first step in towards rebalancing your portfolio is checking out which funds are not performing up to the mark. For this, the right way would be to compare the performance of your schemes with the benchmark and other funds in the same group. In the case of some non-performing schemes we need to remove them out through the redemption process in phases. We need to take notice towards the exposure to different sectors in the portfolio . While rebalancing the portfolio, the focus should be on those schemes in the portfolio that have been performing consistently and have a good quality portfolio.

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Why do we need to invest?

It is vitally important in this current day and age for all of us to begin taking control of our financial situation and start planning for our future, and the futures of our children.

We can no longer rely on the government to hand out an aged pension once we retire. We cannot take for granted that at the end of our working life we will be taken care of financially.

The world population is ageing, due to the baby boomer generation, and within 30 years there will be so many retired people, compared to the number of working age people, that it will be economically impossible for the government to afford to provide any reasonable source of monetary assistance for the elderly.

The government has realised this, and that is why they introduced the compulsory employer paid superannuation scheme and are even now beginning to give financial incentives to Self-Funded retirees.

Most of us have never sat down and even considered the ramifications of why the compulsory super was introduced and for many of us it is a matter of too little too late. Even for the young women in our society – who have a full working life ahead of them, they still cannot rest assured of a comfortable retirement.

Why is this? It is because that unfortunately even with contributions at the current level of less than 10%, someone on an average wage who works continually for 30 years, is still going to find themselves trying to survive on an income equivalent to less than $20,000,00 per annum in today’s dollars.

You will notice that I said continually working for 30 years. This is another reason why women are particularly disadvantaged. Firstly because they often have to take up to ten years leave from the workforce to raise children, secondly because women in general earn less than their male counterparts and thirdly because an enormous proportion of the women in Australia, for example, will never have received any superannuation contributions, prior to the compulsory superannuation being introduced, and will therefore not have had contributions made over their entire working life so far, giving them even less to fall back on by the time they retire.

Many women may previously not have thought of lack of superannuation contributions as being a problem, as their husbands may have been contributing to super since they first began work. Unfortunately though with the high number of divorces in this country, it is unwise to rely on the fact that your partner’s superannuation will be there for you in your retirement years and even if a large proportion is awarded in a settlement – that it will be sufficient to sustain a comfortable retirement for any length of time.

All of these factors are why women now more than ever, need to begin taking action to build up a source of ongoing income, that will grow to such an extent, as to be able to provide a secure and happy future for themselves and their children.

It needs to be a source of income that is unrelated to physical work…that is an income that is generated from income producing assets – and not from our personal efforts.

One of the best sources of creating this ongoing income stream is to begin building an investment property portfolio, also aptly paraphrased as bricks and mortar.

We need to start investing in income producing assets now, so that they will have time to grow and develop so that we will be financially independent for our retirement years.

The most important concept to grasp in relation to building wealth for retirement and for creating finances that can be directed toward charities, or helping out your family is that of Compound interest.

In mathematical terms 72 divided by Compound Interest Rate of Return = Years for Money to Double in Value.

Therefore if you have $1,000.00 invested at 10% interest, then the number of years that it will take for your money to double to $2,000.00 is 7.2. It will quadruple in 14.4 years and be worth 8 times as much in just over 21 years.

If your money is invested at 7% interest, then it will take approximately ten years to double in value. If it is invested at 5% it will double in just over fourteen years.

The two most important aspects of compounding are one: rate and two: time. The higher the rate and the longer the time something is left to compound, the greater the final result will be. This is why the sooner we start investing, the better.

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Your Ticket To Financial Freedom

Now days it is nearly impossible today for the average family to thrive on a single income. However, the skyrocketing cost of child care makes it difficult for both parents to work. Fortunately, the internet has made making money online a suitable income option without the need for commuting or day care.

Making money online means much more than entering contests and sweepstakes; it is not uncommon to see a professional create a home business in computer programming, accounting, medical billing, and many other fields. Making money online has never been easier! All that is required is a computer, a reliable internet connection, and an idea.

Often times, the most challenging task involved in making money online is coming up with the perfect idea. We're not all computer programmers, web developers, or content writers. However, we all have some talent or skill that others will pay for. Making money online is as simple as figuring out what you do well and deciding how to leverage that talent into an opportunity.

For example, a friend of mine had little computer experience, but was interested in making money online. I suggested that she think about what she enjoyed doing and using that as the basis for her home business. She said that her greatest skill was the creation of unique homemade jewelry items. She hired another home business professional (a web designer) to build a website for her and she is now making money online selling her jewelry creations.

Making money online by starting a home business is not the daunting task that many budding entrepreneurs assume. If you carefully consider your skills and talents and figure out how to leverage those abilities on the internet, you'll be making money online in no time!

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