Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors
Do you, like millions of other Americans, feel like youre sinking in an ocean of credit card debt? Well, fear not--there are many options for reducing your debt way before you have to be concerned about receiving notices or daunting telephone calls from debt collectors. The important thing to ... more...

Secured Loans Information
A secured loan is a personal loan which is generally offered to home owners. In a typical secured loan, the home is used as collateral against the loan, meaning that should you be unable to maintain the loan repayments, your home will be at risk.A secured loan is a loan made with an asset, often ... more...

Bankruptcy: What To Expect If You File For Bankruptcy
First, understand that filing bankruptcy should be a last resort if you have borrowed money and have absolutely no way or repaying it. Filing for bankruptcy will have a negative effect on your credit history for 10 years or longer and may also adversely impacts your quality of life.If you do ... more...

What is Home Insurance?
Home Insurance is designed to provide you with financial protection against any damage and possible risks that your property and possessions within it may face against unforeseen events and circumstances.Home insurance is commonly taken to describe both buildings insurance, which insures the fabric ... more...

Top Tips for Selling a Home during Holidays
-Consider potential buyers spiritual backgrounds in your market before decorating for a holiday.-Minimize holiday decorations to keep focus on your home and it's features and benefits.-Less is more when decorating a home for the holidays while you are trying to sell. Streamline the amount of ... more...

Purchasing Insurance
Insurance is an important part of any comprehensive financial plan. Insurance answers the question, "what if the unthinkable happens? But too many people avoid it because they see the expense but not the benefit or they simply don't want to think about their own death or the death of a loved one. ... more...

An Introduction to UK Home Insurance
Unlike motor cover, home insurance is not a legal requirement in the UK. It is, however, a vital precaution against unforeseen bills caused by incidents such as natural disasters or break-ins. It is a false economy to avoid home insurance premiums in order to save cash in the short-term because in ... more...

Seven Key Tax Deductions for the Self Employed
As a sole proprietor, its wise to familiarize yourself with the some key deductions that may reduce your tax bill for 2004.Small-business consultants generally recommend that you hire an accountant to prepare your tax returns, payroll and financial statements. But you should also meet with your ... more...

10 Steps to Creating Your Smalll Business Disaster Plan
I'm a recent Hurricane Rita evacuee and survived the evacuation and the ensuing hurricane. Running from a hurricane isn't something I've ever had to do before, nor is it something I'd ever like to do again. However, as a solo business owner, I'm quite thankful that I have a virtual business. The ... more...

What Is A Personal Loan?
Personal loans can be divided into two categories: secured personal loans and unsecured personal loans. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan. Below is a more detailed outline of both ... more...

Term Life Insurance Quotes for Singles
Term life insurance quotes are rarely a concern of single people, but they should be. Unfortunately, there is a misconception that term life is something owned only by families in the event that the chief breadwinner dies.Term life insurance quotes and policies should be on the minds of everyone, ... more...

Escrow Accounts, Do You Absolutely Need One?
With escrow accounts the money for your home insurance and property tax is added to your monthly mortgage payment and is paid out each year. With that said, you may think that having an escrow account takes the responsibility off your shoulders because the bank will make the payment for you each ... more...

Non-conforming Home Loans vs Conforming Loans
The simple definition of a "non-conforming home loan" is: You have a job and can make the payments. Your credit is used only to determine your interest rate and the loan amount to value of the home ratio. This ratio is referred to as your "LTV" or "Loan To Value". There are many lenders who will ... more...