Insurance, Fuel,and Finances in the UK Following World Events
Following the increase in UK terrorist activities and the catastrophe that has hit New Orleans, it seems we are all going to have to foot the bill. The total cost of the catastrophe is currently predicted to top $25 billion (13.6bn), however many analysts predict that the full costs could rise ... more...

Insurance 101 - Undermining America for the Good of Americans
Insurance is like a myth. From one small seed of truth, a fairytale the size of 1000 giant sequoias has sprung up. Reality is blocked from view. Surely, youve noticed all the giant, sequoia-like buildings are owned by banks and insurance companies. Where do they get all that money? How much money ... more...

Are You Risking The Relationship for the Sale -- And Then Losing the Sale Anyway?
Losing a sale can be disheartening, especially if you lose it for reasons you aren't even aware of.Traditional selling approaches tell us that sales are usually lost because of some element -- price, features, benefits -- having to do with our product or service.So, when we sell, we naturally focus ... more...

Reinventing Real Estate, Part 1: Online and Empowered Consumers Are Taking Charge and Paying Less
For decades, the real estate world turned in a predictable manner. The roles of buyers, sellers and real estate professionals were fairly well defined and transactions followed a predictable path of yard signs, newspaper ads, open houses and miles of paperwork.Recently, online and empowered ... more...

China's New Currency Regime
The base unit for the renminbi is the yuan, which is how the Chinese currency is most commonly referred to. The official ISO abbreviation for the yuan is CNY, but it is also commonly abbreviated in the forex industry as RMB.The yuan had been pegged at 8.28 to the dollar since 1994. While China ... more...

Home Loans
Buying a home remains the great American dream. Home ownership rates have been exploding in recent years, spurred on by the historically low interest rates in the home mortgage market. Home prices have been rising at far faster than inflation, especially in major urban areas such as San Francisco, ... more...

40 Year Mortgages - Are They Right For You?
A 40 year mortgage, with either fixed or adjustable rates, is starting to receive more attention in the mortgage business. With interest rates rising and real estate prices booming in 2005, lenders are starting to offer the 40 year mortgage as a viable option for buying your dream home.Although ... more...

Investing the Profits from Your Home Based Business
Having made the bold and glorious decision to sack the boss and go it alone you are one of the few who have what it takes to succeed. You have an entrepreneurial spirit and a strong will and these are rare and valuable attributes that will guide you throughout your professional and personal life ... more...

Location, Location - NOT!
Untold Secrets of Buying and Selling Real EstateOwning a home can truly be satisfying. However, with the financial pressures of today's world, getting good value is crucial. These days I am much savvier about buying and selling homes than I was when we bought our first of eight houses. The ... more...

Housing Bill - Changes in the Right To Buy Scheme
Presently council tenants are able to purchase their rented property after 2 years of tenancy. However, this is about to change. As of the 18th January 2005, the new Housing Bill becomes law and the current 2 years will change to a period of 5 years. This means, that once the proposals come into ... more...

Home Buyer's Hidden Costs
Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.Top 10 Costs Home Buyers Miss:1.) Property Taxes and AssessmentsHome buyers often need to set up an escrow account ... more...

Getting Started in Real Estate Foreclosure Investing
Decide to Invest in Real Estate Foreclosure InvestingWith the increase in Real Estate property appreciation rates across America, a prospective foreclosure buyer may want to fix up a property to improve its value to live in, to rent out or to resell. The strategy a buyer pursues will determine ... more...

Creative College Financing-The HELOC and the 529 Plan
Since HELOCs are excellent tools for handling irregular expenses, it makes sense that lots of people are turning to them to provide additional cash for college. Usually a student applies for as much scholarship, grant or student loan money as he/she is eligible, then the parent will make up the ... more...

Housing Bubbles and You
Are we in a housing bubble? To answer that question first we need to understand what a housing bubble actually is. A housing bubble is what happens when the there is a significant rise in the market that is mostly due to the expectation that the prices will continue to rise. The bubble will not ... more...