Does Your School Teach You How to Achieve Financial Freedom?
Study hard, get good grades and you will have a bright future! I am pretty sure many of you have been brainwashed by your teachers with this statement when you were students. And your perception of a bright future is most likely to become a lawyer, doctor, engineer, businessman. whatever that ... 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...

Buying Property in Spain
You have made the decision to move to Spain and are now looking for a property to buy? Where do you start? Firstly, I would suggest you go on to the internet and look at the various agents that are offering properties for sale in Spain. Many of these companies are run by people who have already ... more...

Top Tips for First Time Home Buyers
Advice to Help When You're Buying a HomeFirst time home buyers might feel better to know that they're not the only ones who feel confused about the process of buying a home. Nearly all home buyers feel the same way, even if they've bought a house in the past, because it's easy to forget the home ... more...

Buying New Construction...How Do I Begin?
The prospect of shopping for a new construction residence can be quite daunting, but the rewards of owning a brand new home out-weight the disadvantages if you know the potential pitfalls. The following are important considerations: Overall Dollar Budget, Location, Cost Per Square Foot, Finishes, ... more...

A Life Time of Strategic Thinking
You may be one of the thousands who think Strategic Thinking applies only to the captains of business. But consider human stages of life and how Strategic Thinking is used at the most rudimentary level.The first weeks after birth, your Strategic Thinking is getting others to give you food, comfort ... more...

Is There Risk in Real Estate Investing?
I have learned that investing is all about research. So many people express how risky real estate investing can be, however there can be no risk when you know what you are doing. Risk comes from being unsure.Thorough research provides knowledge about your market or area of investment. In real ... more...

What Your Mama Never Told You About Debt Consolidation Services
When someone is extremely deep in debt, and he or she has no other options to prevent bankruptcy, debt consolidation can be his or her savior. Debt consolidation can also be a very wise choice for someone who has many debts on high interest credit cards. Debt consolidation, quite simply, is the ... more...

Budgeting: A Tough Love Way to Handle Your Household Budget
Developing and living by a household budget is by far the best way to get your expenses under control which, in turn, can mean a much less stressful life.However, many families find it very difficult to stick to a budget. It does take hard work and a lot of self-discipline, at least in the ... more...

Taking the Time to Find a Homeowner Loan UK
Trying to find a good homeowner loan UK can end up being quite confusing at first. The commercials and advertisements that you usually see for a homeowner loan UK use terms like equity and collateral that you might not fully understand and yet there's no real explanation to be found within the ... more...

Identity Theft - Is Your Business At Risk?
More and more business owners are purchasing document shredders then ever before.Why?... Identity theft for starters.A new law is going into effect in the summer of 2005 which states that if you employ anyone for any reason and have personal information on file regarding that individual for Social ... more...