Glossary of Common Terms Used During the Mortgage Process
APR - This stands for Annual Percentage Rate. It enables you to compare the full cost of the mortgage. Rather than just being an interest rate, it includes up front and ongoing costs of taking out a mortgage. The formula for calculating APR is set by Government Regulations and therefore enables ... more...

A Fragile Lifeline: Lessons I Learned Answering The Aids Hotline
Dial 1-800/AIDSNYCEvery Monday and Wednesday morning, promptly at 10 a.m., I leave behind my daily life and turn to volunteering as an AIDS Hotline counselor at New York Citys GMHC [Gay Mens Health Crisis], the nations largest social service agency for AIDS.For the next four hours, my ... more...

No Money Down - How To Buy Property With Nothing Down
If you have ever watched TV after about 11:30 at night, you've seen people talking about courses on buying real estate with no money down. They show vacation paradises, gorgeous girls, fancy cars, and huge mansions. All of this is promised to you if you buy their course on making a million with ... more...

The US Dollar Is Not Weak
In 2004, The USD Was Falling, But the Dollar Was Never Weak!Germany's long term economic policy has been to cultivate a permanent trade surplus by saving more, and consuming less. But there is another side to their trade surplus/high savings rate story. Growth in Germany is 1/3rd that in the US, ... more...

Sex, Love, and Poly-Behavioral Addiction
Proposing a New Diagnosis and Theory for Patients with Multiple Addictions By James Slobodzien, Psy.D., CSACExperts in the field of addictions are presently purporting that between 3 and 6 percent of the worlds population (193 to 386 million people) are presently affected by a sexual dependency or ... more...

Why Laughter Is Good For You
How Laughter Can Reduce Stress and Improve Your HealthA merry heart doeth good like a medicine; but a broken spirit drieth the bones. -Proverbs 17:22Feeling stressed out, angry or sad? Dread going to work?Try this: Open your mouth as wide as you can, bug out your eyes, stick out your tongue, bring ... more...

The SBA's Savviest Program
Forget everything youve ever heard about the U.S. Small Business Administration (SBA). The negative connotations may have been warranted in the past, but the SBA is different these days. The SBA is worth every penny of its more than $22 billion budget on the basis of a single program alone: the ... more...

Home Mortgage Loans for People with Bad Credit - Finding the Best Low Rate
Getting a low rate mortgage with a negative credit rating is challenging. When people finance a home, obtaining a good finance package is a top concern - and for good reason. The mortgage rate received on a loan may significantly increase or decrease a monthly mortgage payment. If you have good ... more...

Adverse Credit Mortgages - Home Buying Tips
Bad credit mortgage loans are available to individuals with bankruptcies, foreclosures, repo's, low credit ratings, etc. Unfortunately, having a negative credit rating means a higher mortgage rate and a limited choice of lenders. Still, there are numerous home loans to choose between. Thus, ... more...