Over the many years that I've been working with clients who want to better their lives I've come across the goal of "financial freedom" - people looking for an end to financial worry (over 905 of males claim that it is their greatest source of worry), people looking for "passive income" or people wanting to have "more than enough". But, what is "more than enough"? In a comment once attributed to Rockefeller (I've really no idea whether he said it or not) he is reputed to have said that "Enough is just one more!" Enough, perhaps, is never enough.
It strikes me as, at the very least, odd that, as supposedly the most advanced species on the planet, the vast majority of humans in the so-called developed world are obsessed with money (people in less "developed" regions often have more pressing matters on their mind). How is it that, even when we have more than what we need to lead the lives that we are currently living, we always want that "extra security" or "safety net" (both quotes from clients)?
In the greater scheme of things, is money the be all and end all? Were the last cell 'phone messages from passengers on the hijacked 'planes on 9/11 about money? I wonder if those who lost their lives on the Air France flight from Brazil to Paris wondering if they'd enough passive income in the moments that it dawned on them that their time was up? And, in just the same way that no one on their deathbed ever wishes that they'd spent more time in the office, I suspect no one in that position grieves for a bigger bank balance or greater investment returns when it's time to "check out" (as my father called it).
"Financial freedom" a lot like beauty (or fear for that matter) - it is in the eye of the beholder. It is a state of mind that plagues modern society, a concept of the modern rush for more. In the process, we lose track of what is really important, we lose track of the simple things in life, we lose all perspective on what it is to be fully alive in the here and now.
If you have been or are, at any stage, caught in the trap of worrying about your finances, you have lost sight of reality - you are being tricked by your "personality" which, generally speaking, conceives success in comparative and competitive terms. People who have said to me "I've lost all my money" or "We're running out of money" simply do not realise that, in the here and now, generally speaking, not only do that want for nothing but, in fact, they have more than enough to live a wonderful life - right here, right now.
More importantly, they've missed the point in terms of achieving greater financial well being. If you're worried about money, money worries is what you'll get. Remember how the universe works? Energy in : energy out. If you're obsessed with achieving financial freedom, it's a bit like trying to give up cigarettes - you'll be so focused on your finances you'll forget to do the important things that need to be whole-heartedly done to achieve that freedom.
See the point I'm making? You need to stop focusing on money and start focusing exclusively on what you're supposed to be doing - on what really needs doing - in the present moment - whatever that task is. If you make more than 1% sure (remember, normal people only put 1% energy into what they're doing) that the really important things get done to the very best of your ability, then money actually flows. It's that simple. I've seen it happen - my clients have seen it happen - there are loads of examples that graphically illustrate how easy it is on my website.
But, unfortunately, almost everybody has put the "financial cart" before the "quality of life horse". As a result, they end up wondering why it is so difficult to push that cart up the hill! Stop worrying about money and it will flow. Start doing all the important things that you have to do without looking through the lens of "I need more money" or "I want more money" or "I want my financial freedom". Put all of your energy into what you're doing - the important things that you need to do each day - and you will get your reward.
How do you put more than 1% of your energy into what you have to do? Well, imagine that you're going on two weeks' vacation tomorrow and you have to get all the important - only important - things done today. A flight at 06h30 tomorrow morning concentrates the mind! And concentration is the key to being more all here in the present moment than the pathetic 1% that normal people are. Your clear and present focus will get all the important things done and you will have your financial freedom - whatever that means to you.
Copyright (c) 2009 Willie Horton
Willie's work in the area of self-improvement and meditation has been described as "life-changing" and "phenomenal" by clients from every walk of life. His acclaimed two-day personal development workshop is now available online at Gurdy.Net
Article Source: http://EzineArticles.com/?expert=Willie_Horton
วันพุธที่ 17 มิถุนายน พ.ศ. 2552
วันอังคารที่ 16 มิถุนายน พ.ศ. 2552
Knowing More About Susie Orman
Susie Orman or Suze Orman is a renowned American personality. Born as Susan Lynn Orman (5 June 1951) Suze Orman is a leading financial advisor, author, motivational speaker as well as television show host.
• She is the host of a weekend planning financial show called the Suze Orman Show on CNBC. She hosts a similar TV program on QVC called Suze Orman's Financial Freedom. She is the author of six back-to-back New York Times Best sellers. In addition she has written, co-produced and hosted six PBS specials adapted from her books. She is also the most popular and successful fundraiser in American television history. She recently celebrated her fifth anniversary on the Suze Orman Show and eleventh anniversary on QVC, the leading home shopping network.
• In the years 2004 and 2006, Orman was awarded two Daytime Emmy Awards for Outstanding Service Show Host for her PBS specials. Her television career is punctuated with five Gracie Awards, a record yet to be broken in the 33-year history of Gracie Awards.
• She was chosen by Time magazine as one of the most influential people in the world, in the year 2008. In 2009 she was honored with the Vito Russo Media Award by Gay & Lesbian Alliance Against Defamation (GLAAD).
• She delivered the keynote address on 17 May 2009 at her alma mater, University of Illinois.
• Orman was born to Russian-Jewish immigrants Ann and Morry Orman in southern Chicago, Illinois. Her parents ran a deli in Hyde Park. So Orman was not born with a golden spoon in her mouth. She acknowledged her working class background by saying that she did not "grow up with money".
• She holds a B.A. in social work from the University of Illinois at Urbane-Champaign. She lived with her friends in Berkeley, California for 3 months in 1973 in a van on Hearst Avenue. She soon landed the job of a waitress at Buttercup Bakery on College Avenue. A long-time customer, Fred, gave her a loan of $50,000 in 1980 to help fulfill her ambition of opening her own restaurant. She invested the loan in Merrill Lynch but was swindled by her stockbroker and in just four months she was broke.
• By then she was beginning to learn about finance and investment. In order to make money to repay the loan she joined Merrill Lynch training program to become an account executive. Through her training she discovered that her stockbroker had taken recourse to an illegal act. She immediately sued Merrill Lynch and retrieved the entire $50,000 along with interest. She repaid her loan.
After completing her training, she joined the company and worked there till in 1983 she took up the offer of vice president of investments at Prudential Bache Securities. Next she resigned from there in 1987 to open her own financial planning company named the Suze Orman Financial Group in Emeryville, California. She was the director there till 1997 when she resigned to give attention to her writing career which flourished with the publication of her second book.
If you too are struggling with debt and don't have the time to read the writings of Susie Orman, don't let that keep you from getting your life back. The writings at http://www.susie-orman.com are inspired by sound financial advisers and will direct you toward resources that will get you back on your feet.
Shad Charter, Susie Orman Advocate
Article Source: http://EzineArticles.com/?expert=Shad_Charter
• She is the host of a weekend planning financial show called the Suze Orman Show on CNBC. She hosts a similar TV program on QVC called Suze Orman's Financial Freedom. She is the author of six back-to-back New York Times Best sellers. In addition she has written, co-produced and hosted six PBS specials adapted from her books. She is also the most popular and successful fundraiser in American television history. She recently celebrated her fifth anniversary on the Suze Orman Show and eleventh anniversary on QVC, the leading home shopping network.
• In the years 2004 and 2006, Orman was awarded two Daytime Emmy Awards for Outstanding Service Show Host for her PBS specials. Her television career is punctuated with five Gracie Awards, a record yet to be broken in the 33-year history of Gracie Awards.
• She was chosen by Time magazine as one of the most influential people in the world, in the year 2008. In 2009 she was honored with the Vito Russo Media Award by Gay & Lesbian Alliance Against Defamation (GLAAD).
• She delivered the keynote address on 17 May 2009 at her alma mater, University of Illinois.
• Orman was born to Russian-Jewish immigrants Ann and Morry Orman in southern Chicago, Illinois. Her parents ran a deli in Hyde Park. So Orman was not born with a golden spoon in her mouth. She acknowledged her working class background by saying that she did not "grow up with money".
• She holds a B.A. in social work from the University of Illinois at Urbane-Champaign. She lived with her friends in Berkeley, California for 3 months in 1973 in a van on Hearst Avenue. She soon landed the job of a waitress at Buttercup Bakery on College Avenue. A long-time customer, Fred, gave her a loan of $50,000 in 1980 to help fulfill her ambition of opening her own restaurant. She invested the loan in Merrill Lynch but was swindled by her stockbroker and in just four months she was broke.
• By then she was beginning to learn about finance and investment. In order to make money to repay the loan she joined Merrill Lynch training program to become an account executive. Through her training she discovered that her stockbroker had taken recourse to an illegal act. She immediately sued Merrill Lynch and retrieved the entire $50,000 along with interest. She repaid her loan.
After completing her training, she joined the company and worked there till in 1983 she took up the offer of vice president of investments at Prudential Bache Securities. Next she resigned from there in 1987 to open her own financial planning company named the Suze Orman Financial Group in Emeryville, California. She was the director there till 1997 when she resigned to give attention to her writing career which flourished with the publication of her second book.
If you too are struggling with debt and don't have the time to read the writings of Susie Orman, don't let that keep you from getting your life back. The writings at http://www.susie-orman.com are inspired by sound financial advisers and will direct you toward resources that will get you back on your feet.
Shad Charter, Susie Orman Advocate
Article Source: http://EzineArticles.com/?expert=Shad_Charter
วันจันทร์ที่ 15 มิถุนายน พ.ศ. 2552
Applying For Personal Government Grants - Getting Your Cash Grant
Applying for a personal government grant is not as easy as just filling out a quick application and waiting for your cash grant money to be dumped on your front door. While there is billions of dollars in government and private grant money available to individuals, there is an art to getting approved for the most amount of money possible.
That's why professional grant writers are in such high demand. They know the secret to finding, applying and getting personal government grants. But when you get your application approved, there is the potential to receive as much as $50,000 in cash grants that never have to be paid back.
What can personal government grant be used for?
There's money to help you pay off bad debt, go back to school, and even start a business. If you have outstanding medical bills, area a stay at home mom, or want to start a women-owned or minority business, there is money available.
Personal government grants can be obtained without hiring a grant writer. By accessing available resources, you'll not only have access to a list of available grants, but you'll have the information needed to produce the very best grant application that will get you approved for the most amount of money.
These personal government grant resources, however, are not all made equal. It's important to make sure that the program you select to access has the most current and up-to-date list of available grants for individuals. Because this money comes and goes, things change quickly and half of the secret to getting approved is to be first in line when these funds are made available.
To begin, find Personal Government Grants and potentially get your first check in as little as 7 days.
=>> Available Government Grant Sources
See how to obtain free government money to pay off credit card debt, go back to school or even buy your new home.
Article Source: http://EzineArticles.com/?expert=David_Sklonic
That's why professional grant writers are in such high demand. They know the secret to finding, applying and getting personal government grants. But when you get your application approved, there is the potential to receive as much as $50,000 in cash grants that never have to be paid back.
What can personal government grant be used for?
There's money to help you pay off bad debt, go back to school, and even start a business. If you have outstanding medical bills, area a stay at home mom, or want to start a women-owned or minority business, there is money available.
Personal government grants can be obtained without hiring a grant writer. By accessing available resources, you'll not only have access to a list of available grants, but you'll have the information needed to produce the very best grant application that will get you approved for the most amount of money.
These personal government grant resources, however, are not all made equal. It's important to make sure that the program you select to access has the most current and up-to-date list of available grants for individuals. Because this money comes and goes, things change quickly and half of the secret to getting approved is to be first in line when these funds are made available.
To begin, find Personal Government Grants and potentially get your first check in as little as 7 days.
=>> Available Government Grant Sources
See how to obtain free government money to pay off credit card debt, go back to school or even buy your new home.
Article Source: http://EzineArticles.com/?expert=David_Sklonic
วันอาทิตย์ที่ 14 มิถุนายน พ.ศ. 2552
How to Achieve Financial Freedom
Over the many years that I've been working with clients who want to better their lives I've come across the goal of "financial freedom" - people looking for an end to financial worry (over 905 of males claim that it is their greatest source of worry), people looking for "passive income" or people wanting to have "more than enough". But, what is "more than enough"? In a comment once attributed to Rockefeller (I've really no idea whether he said it or not) he is reputed to have said that "Enough is just one more!" Enough, perhaps, is never enough.
It strikes me as, at the very least, odd that, as supposedly the most advanced species on the planet, the vast majority of humans in the so-called developed world are obsessed with money (people in less "developed" regions often have more pressing matters on their mind). How is it that, even when we have more than what we need to lead the lives that we are currently living, we always want that "extra security" or "safety net" (both quotes from clients)?
In the greater scheme of things, is money the be all and end all? Were the last cell 'phone messages from passengers on the hijacked 'planes on 9/11 about money? I wonder if those who lost their lives on the Air France flight from Brazil to Paris wondering if they'd enough passive income in the moments that it dawned on them that their time was up? And, in just the same way that no one on their deathbed ever wishes that they'd spent more time in the office, I suspect no one in that position grieves for a bigger bank balance or greater investment returns when it's time to "check out" (as my father called it).
"Financial freedom" a lot like beauty (or fear for that matter) - it is in the eye of the beholder. It is a state of mind that plagues modern society, a concept of the modern rush for more. In the process, we lose track of what is really important, we lose track of the simple things in life, we lose all perspective on what it is to be fully alive in the here and now.
If you have been or are, at any stage, caught in the trap of worrying about your finances, you have lost sight of reality - you are being tricked by your "personality" which, generally speaking, conceives success in comparative and competitive terms. People who have said to me "I've lost all my money" or "We're running out of money" simply do not realise that, in the here and now, generally speaking, not only do that want for nothing but, in fact, they have more than enough to live a wonderful life - right here, right now.
More importantly, they've missed the point in terms of achieving greater financial well being. If you're worried about money, money worries is what you'll get. Remember how the universe works? Energy in : energy out. If you're obsessed with achieving financial freedom, it's a bit like trying to give up cigarettes - you'll be so focused on your finances you'll forget to do the important things that need to be whole-heartedly done to achieve that freedom.
See the point I'm making? You need to stop focusing on money and start focusing exclusively on what you're supposed to be doing - on what really needs doing - in the present moment - whatever that task is. If you make more than 1% sure (remember, normal people only put 1% energy into what they're doing) that the really important things get done to the very best of your ability, then money actually flows. It's that simple. I've seen it happen - my clients have seen it happen - there are loads of examples that graphically illustrate how easy it is on my website.
But, unfortunately, almost everybody has put the "financial cart" before the "quality of life horse". As a result, they end up wondering why it is so difficult to push that cart up the hill! Stop worrying about money and it will flow. Start doing all the important things that you have to do without looking through the lens of "I need more money" or "I want more money" or "I want my financial freedom". Put all of your energy into what you're doing - the important things that you need to do each day - and you will get your reward.
How do you put more than 1% of your energy into what you have to do? Well, imagine that you're going on two weeks' vacation tomorrow and you have to get all the important - only important - things done today. A flight at 06h30 tomorrow morning concentrates the mind! And concentration is the key to being more all here in the present moment than the pathetic 1% that normal people are. Your clear and present focus will get all the important things done and you will have your financial freedom - whatever that means to you.
Copyright (c) 2009 Willie Horton
Willie's work in the area of self-improvement and meditation has been described as "life-changing" and "phenomenal" by clients from every walk of life. His acclaimed two-day personal development workshop is now available online at Gurdy.Net
Article Source: http://EzineArticles.com/?expert=Willie_Horton
It strikes me as, at the very least, odd that, as supposedly the most advanced species on the planet, the vast majority of humans in the so-called developed world are obsessed with money (people in less "developed" regions often have more pressing matters on their mind). How is it that, even when we have more than what we need to lead the lives that we are currently living, we always want that "extra security" or "safety net" (both quotes from clients)?
In the greater scheme of things, is money the be all and end all? Were the last cell 'phone messages from passengers on the hijacked 'planes on 9/11 about money? I wonder if those who lost their lives on the Air France flight from Brazil to Paris wondering if they'd enough passive income in the moments that it dawned on them that their time was up? And, in just the same way that no one on their deathbed ever wishes that they'd spent more time in the office, I suspect no one in that position grieves for a bigger bank balance or greater investment returns when it's time to "check out" (as my father called it).
"Financial freedom" a lot like beauty (or fear for that matter) - it is in the eye of the beholder. It is a state of mind that plagues modern society, a concept of the modern rush for more. In the process, we lose track of what is really important, we lose track of the simple things in life, we lose all perspective on what it is to be fully alive in the here and now.
If you have been or are, at any stage, caught in the trap of worrying about your finances, you have lost sight of reality - you are being tricked by your "personality" which, generally speaking, conceives success in comparative and competitive terms. People who have said to me "I've lost all my money" or "We're running out of money" simply do not realise that, in the here and now, generally speaking, not only do that want for nothing but, in fact, they have more than enough to live a wonderful life - right here, right now.
More importantly, they've missed the point in terms of achieving greater financial well being. If you're worried about money, money worries is what you'll get. Remember how the universe works? Energy in : energy out. If you're obsessed with achieving financial freedom, it's a bit like trying to give up cigarettes - you'll be so focused on your finances you'll forget to do the important things that need to be whole-heartedly done to achieve that freedom.
See the point I'm making? You need to stop focusing on money and start focusing exclusively on what you're supposed to be doing - on what really needs doing - in the present moment - whatever that task is. If you make more than 1% sure (remember, normal people only put 1% energy into what they're doing) that the really important things get done to the very best of your ability, then money actually flows. It's that simple. I've seen it happen - my clients have seen it happen - there are loads of examples that graphically illustrate how easy it is on my website.
But, unfortunately, almost everybody has put the "financial cart" before the "quality of life horse". As a result, they end up wondering why it is so difficult to push that cart up the hill! Stop worrying about money and it will flow. Start doing all the important things that you have to do without looking through the lens of "I need more money" or "I want more money" or "I want my financial freedom". Put all of your energy into what you're doing - the important things that you need to do each day - and you will get your reward.
How do you put more than 1% of your energy into what you have to do? Well, imagine that you're going on two weeks' vacation tomorrow and you have to get all the important - only important - things done today. A flight at 06h30 tomorrow morning concentrates the mind! And concentration is the key to being more all here in the present moment than the pathetic 1% that normal people are. Your clear and present focus will get all the important things done and you will have your financial freedom - whatever that means to you.
Copyright (c) 2009 Willie Horton
Willie's work in the area of self-improvement and meditation has been described as "life-changing" and "phenomenal" by clients from every walk of life. His acclaimed two-day personal development workshop is now available online at Gurdy.Net
Article Source: http://EzineArticles.com/?expert=Willie_Horton
วันเสาร์ที่ 13 มิถุนายน พ.ศ. 2552
7 Great Tips to Save on Medicare Surety Bonds
Medicare bonds can sometimes be costly, looking for the best possible price from a reputable company is worth more than forfeiting trust in a company just to save a couple of bucks.
1) Be sure that when you complete the surety Bond application, that it's filled out completely. Simple right? Approvals are given based on a number of factors including time in business and credit; but the first step in saving some Dinero on a Medicare bond is being careful not to leave information out on the form, this will offset finding that reasonable price available to you.
2) Believe it or not, but making an impression on the underwriter through lettering makes a difference; whether you type or print up the application use should utilize block lettering. This tip is just as important as taking care of any missing information illegible writing can hinder the speed of an application approval and put the kibosh on a lower price.
3) Show off your financial stability, take a step beyond what they ask for. Typically they'll want to see some assets which includes accounts at a bank, so what you can do is provide the 1st page of your previous statement. Like I stated before bond approval depends heavily on credit, so the more you provide to them the easier it will be for them to approve that bond.
4) The 4th step to take heed to is including a resume with your application, as well as other company owners resumes if available. experience in your field is something underwriters look for without a doubt, the goal here is to raise their comfort level with your stability and experience.
5) Clarity is the 2nd best policy next to honesty. It's essential to be descriptive in the type of bond you want, 'Surety Bond" is generic and doesn't give the underwriter enough info on the type you may need. That information can be provided by the government agency or individual that is informing you of getting a bond.
6) Remember what I mentioned about credit playing a major role in an approval for a bond? If your including your spouse or perhaps a business partner make sure they have a high credit score, the reason being, underwriters use the lowest credit score in approvals; Now in some cases (business situations), an average will be calculated and used based on who's involved, not so much with surety bonds though, so it's important to include parties with high credit ratings.
7) My last tip for maximizing your ability in saving a little money is providing as much contact information as possible, take the time to submit ALL contact information, if your not reachable to answer any questions from an underwriter, this will result in 1 of 2 things, a High price, or flat out denial.
Miss Gemma-Leigh Garner is a freelance copywriter and blogger that writes on many different financial subjects such as surety bonds plus liability insurance and other current financial matters.
Article Source: http://EzineArticles.com/?expert=Gemma-Leigh_Garner
1) Be sure that when you complete the surety Bond application, that it's filled out completely. Simple right? Approvals are given based on a number of factors including time in business and credit; but the first step in saving some Dinero on a Medicare bond is being careful not to leave information out on the form, this will offset finding that reasonable price available to you.
2) Believe it or not, but making an impression on the underwriter through lettering makes a difference; whether you type or print up the application use should utilize block lettering. This tip is just as important as taking care of any missing information illegible writing can hinder the speed of an application approval and put the kibosh on a lower price.
3) Show off your financial stability, take a step beyond what they ask for. Typically they'll want to see some assets which includes accounts at a bank, so what you can do is provide the 1st page of your previous statement. Like I stated before bond approval depends heavily on credit, so the more you provide to them the easier it will be for them to approve that bond.
4) The 4th step to take heed to is including a resume with your application, as well as other company owners resumes if available. experience in your field is something underwriters look for without a doubt, the goal here is to raise their comfort level with your stability and experience.
5) Clarity is the 2nd best policy next to honesty. It's essential to be descriptive in the type of bond you want, 'Surety Bond" is generic and doesn't give the underwriter enough info on the type you may need. That information can be provided by the government agency or individual that is informing you of getting a bond.
6) Remember what I mentioned about credit playing a major role in an approval for a bond? If your including your spouse or perhaps a business partner make sure they have a high credit score, the reason being, underwriters use the lowest credit score in approvals; Now in some cases (business situations), an average will be calculated and used based on who's involved, not so much with surety bonds though, so it's important to include parties with high credit ratings.
7) My last tip for maximizing your ability in saving a little money is providing as much contact information as possible, take the time to submit ALL contact information, if your not reachable to answer any questions from an underwriter, this will result in 1 of 2 things, a High price, or flat out denial.
Miss Gemma-Leigh Garner is a freelance copywriter and blogger that writes on many different financial subjects such as surety bonds plus liability insurance and other current financial matters.
Article Source: http://EzineArticles.com/?expert=Gemma-Leigh_Garner
วันศุกร์ที่ 12 มิถุนายน พ.ศ. 2552
How to Get the Government to Finance Your Business
If you need money to start a new business then you're in luck. The government loves to stimulate the economy and those who want to own their own business have an advantage when they apply for a government grant. If you have bad credit it doesn't matter. There's no sense in going to the bank to get a business loan when you can apply for a government grant that will probably give you twice as much money that you will never have to pay back.
So if you have a business idea and you would like to start your own company, you should apply for a government grant. There are no credit checks, there also the security checks you do not have to worry about any in income verifications because the money does not have to be paid back.
So next time you pass your bank think of the opportunity that the government has given every United States citizen who is over 18 years of age. We have the ability to get free money yet most do not apply for it. Last year over 5 million families received government grants. This astounds a lot of people because they think grants are only given to students. This is not true, a student grant is why one form of a grant.
For example Federal Express received $5 million in government funding. Apple computers also received over $3 million in funding. Regardless of the economic times that America's going through the government will still issue over $1 trillion in government money. You need to apply for a grant today.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
They will send you a CD for just shipping and handling. The CD contains ways to get a government grant, how to write a grant and which ones are the best to apply for as this information is updated all the time.
They are a reputable company, and specialize in this information. Find Free Government Grants.
The information only cost $1 to get shipped to you.Then you can decide which grant you want to apply for. Remember, you can apply for more than one grant at a time.
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
So if you have a business idea and you would like to start your own company, you should apply for a government grant. There are no credit checks, there also the security checks you do not have to worry about any in income verifications because the money does not have to be paid back.
So next time you pass your bank think of the opportunity that the government has given every United States citizen who is over 18 years of age. We have the ability to get free money yet most do not apply for it. Last year over 5 million families received government grants. This astounds a lot of people because they think grants are only given to students. This is not true, a student grant is why one form of a grant.
For example Federal Express received $5 million in government funding. Apple computers also received over $3 million in funding. Regardless of the economic times that America's going through the government will still issue over $1 trillion in government money. You need to apply for a grant today.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
They will send you a CD for just shipping and handling. The CD contains ways to get a government grant, how to write a grant and which ones are the best to apply for as this information is updated all the time.
They are a reputable company, and specialize in this information. Find Free Government Grants.
The information only cost $1 to get shipped to you.Then you can decide which grant you want to apply for. Remember, you can apply for more than one grant at a time.
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
วันพฤหัสบดีที่ 11 มิถุนายน พ.ศ. 2552
Will You Let the Government Help You Start Your Business Rather Than Pay a Bank? Save Money
If you have two choices, one to get free money and one to get a loan, what would you choose?
The government issues out free money every year. In fact, the government has issued out over $1 trillion in government grant funding this last year alone. Yes 1 trillion and it will increase every year. The government gives out money to families and individuals in order to help stimulate the economy. For example did you know the Federal Express received $5 million in government grant money in order to stimulate the economy? Even though federal express was in direct competition with the USPS they were still awarded $5 million.
In order to qualify for a grant you only need to be 18 years of age and legal United states citizen. You do not have to go through a verification process, such as a credit check, income verifications, or background history check. There are no taxes on government grants as you do not have to pay them back.
So if you're thinking of borrowing money from a bank, you should think about your options and apply for a government grant. As it's free, and you can apply for more than one grant at one time. For example if you want to buy a new home and fix your roof you could apply for both programs and be awarded both grants.
The government now gives out over $10,000 to help you fix your roof and will give you over $15,000 towards a down payment on a new home. You can apply for as many grants as you would like.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
They will send you a CD for just shipping and handling. The CD contains ways to get a government grant, how to write a grant and which ones are the best to apply for as this information is updated all the time.
They are a reputable company, and specialize in this information. Find Free Government Grants.
The information only cost $1 to get shipped to you
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
The government issues out free money every year. In fact, the government has issued out over $1 trillion in government grant funding this last year alone. Yes 1 trillion and it will increase every year. The government gives out money to families and individuals in order to help stimulate the economy. For example did you know the Federal Express received $5 million in government grant money in order to stimulate the economy? Even though federal express was in direct competition with the USPS they were still awarded $5 million.
In order to qualify for a grant you only need to be 18 years of age and legal United states citizen. You do not have to go through a verification process, such as a credit check, income verifications, or background history check. There are no taxes on government grants as you do not have to pay them back.
So if you're thinking of borrowing money from a bank, you should think about your options and apply for a government grant. As it's free, and you can apply for more than one grant at one time. For example if you want to buy a new home and fix your roof you could apply for both programs and be awarded both grants.
The government now gives out over $10,000 to help you fix your roof and will give you over $15,000 towards a down payment on a new home. You can apply for as many grants as you would like.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
They will send you a CD for just shipping and handling. The CD contains ways to get a government grant, how to write a grant and which ones are the best to apply for as this information is updated all the time.
They are a reputable company, and specialize in this information. Find Free Government Grants.
The information only cost $1 to get shipped to you
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
วันพุธที่ 10 มิถุนายน พ.ศ. 2552
What Are Bank Charge Refunds?
When you do something that your bank doesn't like - overdraw your account, for example - the bank generally charges you a fee as a penalty for doing that. It's accepted and expected practice, and there really isn't much that you can do about it. Banks have to spell out these fees and let you know that they will be taking place, and once they do that they don't have to remind you again unless they change them for some reason. There are, however, some bank charges that are really not fair and that are not clearly spelled out.
If you've been a victim of these, you may deserve a refund. Bank charge refunds are the return of these fees to your account. You can't expect every bank charge to be returned to you, though, because some of these charges, fees, and penalties are completely legitimate. If they are charges that the bank has spelled out and that you agreed to when you opened your account or at any time since you can't have them refunded just because you don't like them.
The refunds are designed to correct unfair bank charges. Some banks do try to charge for things that they shouldn't be, and they also do try to charge too much for the things that they can legitimately charge a fee for. When they do this most people just pay the charges because they assume that they can't do anything about them. However, they can do something if these charges weren't warranted. They can have them refunded.
It might not be the easiest thing to get, though, because banks don't want to admit wrongdoing or give back money that they've already gotten. They don't have a choice when their bank charges are unethical or when they didn't notify the people that they charged that these fees would be there. If you've been the victim of unfair bank charges make sure that you take the time to research what your bank really can and cannot charge and then work to get a bank charge refund. You shouldn't have to pay fees that you don't really need to pay.
This article was written by Tom Sangers on behalf of Clear your finance who offer bank charge refunds.
Article Source: http://EzineArticles.com/?expert=Tom_Sangers
If you've been a victim of these, you may deserve a refund. Bank charge refunds are the return of these fees to your account. You can't expect every bank charge to be returned to you, though, because some of these charges, fees, and penalties are completely legitimate. If they are charges that the bank has spelled out and that you agreed to when you opened your account or at any time since you can't have them refunded just because you don't like them.
The refunds are designed to correct unfair bank charges. Some banks do try to charge for things that they shouldn't be, and they also do try to charge too much for the things that they can legitimately charge a fee for. When they do this most people just pay the charges because they assume that they can't do anything about them. However, they can do something if these charges weren't warranted. They can have them refunded.
It might not be the easiest thing to get, though, because banks don't want to admit wrongdoing or give back money that they've already gotten. They don't have a choice when their bank charges are unethical or when they didn't notify the people that they charged that these fees would be there. If you've been the victim of unfair bank charges make sure that you take the time to research what your bank really can and cannot charge and then work to get a bank charge refund. You shouldn't have to pay fees that you don't really need to pay.
This article was written by Tom Sangers on behalf of Clear your finance who offer bank charge refunds.
Article Source: http://EzineArticles.com/?expert=Tom_Sangers
วันอังคารที่ 9 มิถุนายน พ.ศ. 2552
How to Get Government Grants For College
Government grants are given for various purposes but the aim of the grants is common. All the grants are given so that the citizens of a country or a state do not face any problem regarding money. The students do not have to stop their studies midway if they do not have money, business men do not have to close their business due to shortage of money.
Each and every citizen has the right to the government grants. The government grants for college are given to the students who have difficulties in continuing with their studies due to monetary problem. The federal government gives a certain amount of money as grants so that the student is able to take admission to the college, buy the books and do the needful.
Information
First of all if you are interested in the government grants for college then you need to gather information about this grant. You need to how to get the grant and where to go to get the grant. You must also know what the conditions are that will make you eligible for the grant. You can get this information either from the people who have already had the government grants for college.
They can guide you to the right path. You might need the grant for your college education because the cost of education has increased a lot. Therefore it will be better if you could have some kind of funding to help you. The government grants for college are given for free by the federal government.
Other than asking people you can just browse the sites. There is a grant database where all the information about the grant will be available. There will be certain criteria listed you just need to match the criteria to the requirement. Almost every country offers this grant facility to its citizens.
America, Australia and the European countries are some of the examples. They provide a healthy environment to their citizens and hence they get a fait chance to become responsible citizens. Every other country must follow this step to improve their society.
Types of grants
The government grants for college are a broad category, under this category there are other categories as well. If you qualify under these categories then you will get the grant from the government. One of the categories is the grants for all the talented students.
This grant is for those students who are extraordinarily talented in their academics. Another grant is for students who are economically weak, those who do not have the required funds for their studies. This is a special grant which is offered only to those who belong to a family of low annual income or are poor.
While you can attain free money from government grants, it is vital you take your time to find a reputable company that is trustworthy.
Daniel J Stevens has compared and reviewed the top Government grant programs available today online!
Find out what he rated number 1 Government Grant Program at http://www.GovermentGrantReviews.com
And if you want to know how you can start claiming your free Government Grant today get this $47 product for free at http://www.Govermentgrantreviews.com/free.html
Article Source: http://EzineArticles.com/?expert=Daniel_J_Stevens
Each and every citizen has the right to the government grants. The government grants for college are given to the students who have difficulties in continuing with their studies due to monetary problem. The federal government gives a certain amount of money as grants so that the student is able to take admission to the college, buy the books and do the needful.
Information
First of all if you are interested in the government grants for college then you need to gather information about this grant. You need to how to get the grant and where to go to get the grant. You must also know what the conditions are that will make you eligible for the grant. You can get this information either from the people who have already had the government grants for college.
They can guide you to the right path. You might need the grant for your college education because the cost of education has increased a lot. Therefore it will be better if you could have some kind of funding to help you. The government grants for college are given for free by the federal government.
Other than asking people you can just browse the sites. There is a grant database where all the information about the grant will be available. There will be certain criteria listed you just need to match the criteria to the requirement. Almost every country offers this grant facility to its citizens.
America, Australia and the European countries are some of the examples. They provide a healthy environment to their citizens and hence they get a fait chance to become responsible citizens. Every other country must follow this step to improve their society.
Types of grants
The government grants for college are a broad category, under this category there are other categories as well. If you qualify under these categories then you will get the grant from the government. One of the categories is the grants for all the talented students.
This grant is for those students who are extraordinarily talented in their academics. Another grant is for students who are economically weak, those who do not have the required funds for their studies. This is a special grant which is offered only to those who belong to a family of low annual income or are poor.
While you can attain free money from government grants, it is vital you take your time to find a reputable company that is trustworthy.
Daniel J Stevens has compared and reviewed the top Government grant programs available today online!
Find out what he rated number 1 Government Grant Program at http://www.GovermentGrantReviews.com
And if you want to know how you can start claiming your free Government Grant today get this $47 product for free at http://www.Govermentgrantreviews.com/free.html
Article Source: http://EzineArticles.com/?expert=Daniel_J_Stevens
วันจันทร์ที่ 8 มิถุนายน พ.ศ. 2552
Give Grandchildren a Good Start on College With Section 529 Plans
With the costs of higher education skyrocketing and showing no signs of becoming more affordable, many grandparents are taking it upon themselves to sock away cash to help youngsters down the road. Thanks to Section 529 college savings plans, the task can pay off doubly for grandparents. These plans not only provide grandparents a way to save for youngsters, they provide a tax break, too.
Section 529 savings plans are different than prepaid tuition programs. The savings account option enables anyone to establish a tax-free account on behalf of a child. This means parents, grandparents, other relatives and even family friends can establish these accounts.
When a Section 529 plan is opened, the money will earn interest tax free. Eventual distributions will also be tax-free as long as the money is used for educational related purposes. This means withdrawals must go for such things as tuition, books, fees, room and board and so on. The child must be enrolled in an accredited university or college for the tax-free distributions to count.
Using Section 529 savings plans is an excellent way for grandparents to assist with college costs. With average tuition for four-year, private schools now running more than $100,000, the need for a little nest egg is becoming evident. Grandparents will find that Section 529 plans are fairly easy to establish and they can be opened for multiple children, as well.
When creating these plans, it is important to keep a few things in mind, such as:
The allowable limits - It is feasible to contribute up to $11,000 a year without the federal gift tax kicking in. Couples can contribute up to $22,000 per year. For those who want to seed these accounts quickly, a single contribution of $55,000 for an individual or $110,000 for a couple is allowed. The gift tax exclusion will be spread over five years in this case.
The limits of the tax exclusion - It is possible to open multiple accounts in different states on behalf of the same child. When this is done, however, one only gift tax exemption is allowed per state.
The control allowed - Section 529 plans don't force grandparents to give up control of the money. These plans enable account holders, not recipients, to decide when withdrawals will come out and for what reasons. If the need for the account goes away for whatever reason, grandparents can reclaim their funds and pay the necessary taxes on the earnings.
The possibility of a sunset on tax benefits - Section 529 plans may face a change in the tax-free status at the end of 2010 when the laws that created the plans expire. If Congress extends the laws, however, the tax-free status would remain.
The maximum contribution limit - In most cases, the maximum amount of money that can be contributed to a Section 529 savings plan is $250,000.
Saving for a grandchild's education is a great way for grandparents to give youngsters a good start. Thanks to Section 529 plans, it's also an excellent way to protect savings from tax burdens.
Find helpful and creative ideas for parents and grandparents while you shop our great selection of kids furniture (including our popular toddler beds) and classic toys. Visit http://www.TheMagicalRockingHorse.com today!
Article Source: http://EzineArticles.com/?expert=Veronica_Scott
Section 529 savings plans are different than prepaid tuition programs. The savings account option enables anyone to establish a tax-free account on behalf of a child. This means parents, grandparents, other relatives and even family friends can establish these accounts.
When a Section 529 plan is opened, the money will earn interest tax free. Eventual distributions will also be tax-free as long as the money is used for educational related purposes. This means withdrawals must go for such things as tuition, books, fees, room and board and so on. The child must be enrolled in an accredited university or college for the tax-free distributions to count.
Using Section 529 savings plans is an excellent way for grandparents to assist with college costs. With average tuition for four-year, private schools now running more than $100,000, the need for a little nest egg is becoming evident. Grandparents will find that Section 529 plans are fairly easy to establish and they can be opened for multiple children, as well.
When creating these plans, it is important to keep a few things in mind, such as:
The allowable limits - It is feasible to contribute up to $11,000 a year without the federal gift tax kicking in. Couples can contribute up to $22,000 per year. For those who want to seed these accounts quickly, a single contribution of $55,000 for an individual or $110,000 for a couple is allowed. The gift tax exclusion will be spread over five years in this case.
The limits of the tax exclusion - It is possible to open multiple accounts in different states on behalf of the same child. When this is done, however, one only gift tax exemption is allowed per state.
The control allowed - Section 529 plans don't force grandparents to give up control of the money. These plans enable account holders, not recipients, to decide when withdrawals will come out and for what reasons. If the need for the account goes away for whatever reason, grandparents can reclaim their funds and pay the necessary taxes on the earnings.
The possibility of a sunset on tax benefits - Section 529 plans may face a change in the tax-free status at the end of 2010 when the laws that created the plans expire. If Congress extends the laws, however, the tax-free status would remain.
The maximum contribution limit - In most cases, the maximum amount of money that can be contributed to a Section 529 savings plan is $250,000.
Saving for a grandchild's education is a great way for grandparents to give youngsters a good start. Thanks to Section 529 plans, it's also an excellent way to protect savings from tax burdens.
Find helpful and creative ideas for parents and grandparents while you shop our great selection of kids furniture (including our popular toddler beds) and classic toys. Visit http://www.TheMagicalRockingHorse.com today!
Article Source: http://EzineArticles.com/?expert=Veronica_Scott
วันอาทิตย์ที่ 7 มิถุนายน พ.ศ. 2552
An Offshore Bank is Easy to Find and You Will Surely Be Able to Get Things That You Like
A bank which is located outside of the country you live in is usually described as an offshore bank. There are a variety of reasons as to why people use offshore bank accounts. Taxes are usually lower and the interest rates are usually higher as well. However, the majority of people who have access to a bank account in another country are usually using them to keep their money more secure.
This form of banking is completely legal and there is nothing wrong with making the most of your money. A lot of facilities are based literally offshore from many countries throughout the world. The term "offshore bank" is actually spot on for most banks.
However, there are some mainland banks which offer a banking service to non-residents, such as Switzerland. I'm sure you heard the phrase, Swiss Bank Account in many films and TV shows. A lot of people have a misconception about these banks and assume no tax is paid at all.
This is actually not at all true. A lot of offshore bank accounts don't have any kind of tax evasion luxuries. A lot of countries, although having different tax laws, don't distinguish between money and assets kept in a bank in your resident country and kept abroad.
By law, not many offshore bank account facilities are required to state their income, however, recently, the government have been talking about changing all that. Most of the time though, your money is secure and protected so you shouldn't need to worry.
Another reason why people use an offshore bank account is to take advantage of the lower fees and better quality service. A lot of bank accounts that are abroad or offshore, tend to have a better overall service and this is why they're becoming so popular.
There are also a lot more services available from banks other than the ones we're normally used to. Swiss bank accounts are generally anonymous and you usually access your account by simply using an account number and a password or something similar.
The reason these banks are so popular is because you don't have to attached your name to it. There are actually a large number of options available in and around the UK. If you're interested in an offshore bank then you should do a bit of research first.
Many mainstream and high street banks offer an international service and one of the most popular and the oldest is Halifax International. One thing you'll need to think about is the fact that a lot of places require a deposit of at least £5000, so be prepared to have some money set by first.
The Bank of Scotland International is another option you could consider - but again, you'll need finances set by in order to open an account. There are also some other options available but you'll have to shop around to make sure you find something that's suitable for your needs.
Author Evie B Webb talks about opting for offshore banking services. http://www.capitalflex.com has brilliant information on offshore bank services, you'll surely be able to purchase what you want.
Article Source: http://EzineArticles.com/?expert=Evie_B_Webb
This form of banking is completely legal and there is nothing wrong with making the most of your money. A lot of facilities are based literally offshore from many countries throughout the world. The term "offshore bank" is actually spot on for most banks.
However, there are some mainland banks which offer a banking service to non-residents, such as Switzerland. I'm sure you heard the phrase, Swiss Bank Account in many films and TV shows. A lot of people have a misconception about these banks and assume no tax is paid at all.
This is actually not at all true. A lot of offshore bank accounts don't have any kind of tax evasion luxuries. A lot of countries, although having different tax laws, don't distinguish between money and assets kept in a bank in your resident country and kept abroad.
By law, not many offshore bank account facilities are required to state their income, however, recently, the government have been talking about changing all that. Most of the time though, your money is secure and protected so you shouldn't need to worry.
Another reason why people use an offshore bank account is to take advantage of the lower fees and better quality service. A lot of bank accounts that are abroad or offshore, tend to have a better overall service and this is why they're becoming so popular.
There are also a lot more services available from banks other than the ones we're normally used to. Swiss bank accounts are generally anonymous and you usually access your account by simply using an account number and a password or something similar.
The reason these banks are so popular is because you don't have to attached your name to it. There are actually a large number of options available in and around the UK. If you're interested in an offshore bank then you should do a bit of research first.
Many mainstream and high street banks offer an international service and one of the most popular and the oldest is Halifax International. One thing you'll need to think about is the fact that a lot of places require a deposit of at least £5000, so be prepared to have some money set by first.
The Bank of Scotland International is another option you could consider - but again, you'll need finances set by in order to open an account. There are also some other options available but you'll have to shop around to make sure you find something that's suitable for your needs.
Author Evie B Webb talks about opting for offshore banking services. http://www.capitalflex.com has brilliant information on offshore bank services, you'll surely be able to purchase what you want.
Article Source: http://EzineArticles.com/?expert=Evie_B_Webb
Basics of Online Banking
Online banking has been supported by many banks and so the burden of visiting banks for small transactions has now been reduced. For those who are new to this form of banking, and the types of banks, here are a few basics to help them out with.
There are three types of banking solutions -
1. Commercial banks:
Commercial banks are those that are quite commonly found and they provide online banking solutions as well. The other services include managing accounts, savings accounts and providing loans for various purposes. The state or the federal body usually regulates them some banks like the Lloyd are regulated by the Financial Services Authority the body that regulates financial institutions in UK.
2. Credit Unions:
This is something like a community banking where people in the same field are grouped together. They can be those pursuing same kind of profession or those working for the same company or something in common. Profits are equally shared by all members of the group and it is possible to open an account only if you belong to the particular group. Credit unions may also be based on geographic locations. People living far from the place cannot open the account. The account limits may vary between $5 and $50. The loans can be availed at lower rates than the commercial bank. But we should be see how far online banking has reached in this sector.
3. Savings and Loan Association:
These banks operate mainly to provide loans home loans and other loans using money from the accounts of their customers. These banks are best suited for savings account as their interest rates are better than many commercial banks. Online banking has nowadays started reaching this sector also.
In case you're skeptical about the online form of banking, there's nothing to worry about. Most of the corporate giants are dealing with electronic funds transfer, so it is completely safe to adopt the same. However, you must be careful enough not to give your credential like passwords, net-banking PIN, telephonic banking PIN, or any other password to others.
Lana runs an extremely resourceful website where you can find some more facts and figures about Online Banking, discover more about credit cards or avail loans.
Article Source: http://EzineArticles.com/?expert=Lana_Leicester
There are three types of banking solutions -
1. Commercial banks:
Commercial banks are those that are quite commonly found and they provide online banking solutions as well. The other services include managing accounts, savings accounts and providing loans for various purposes. The state or the federal body usually regulates them some banks like the Lloyd are regulated by the Financial Services Authority the body that regulates financial institutions in UK.
2. Credit Unions:
This is something like a community banking where people in the same field are grouped together. They can be those pursuing same kind of profession or those working for the same company or something in common. Profits are equally shared by all members of the group and it is possible to open an account only if you belong to the particular group. Credit unions may also be based on geographic locations. People living far from the place cannot open the account. The account limits may vary between $5 and $50. The loans can be availed at lower rates than the commercial bank. But we should be see how far online banking has reached in this sector.
3. Savings and Loan Association:
These banks operate mainly to provide loans home loans and other loans using money from the accounts of their customers. These banks are best suited for savings account as their interest rates are better than many commercial banks. Online banking has nowadays started reaching this sector also.
In case you're skeptical about the online form of banking, there's nothing to worry about. Most of the corporate giants are dealing with electronic funds transfer, so it is completely safe to adopt the same. However, you must be careful enough not to give your credential like passwords, net-banking PIN, telephonic banking PIN, or any other password to others.
Lana runs an extremely resourceful website where you can find some more facts and figures about Online Banking, discover more about credit cards or avail loans.
Article Source: http://EzineArticles.com/?expert=Lana_Leicester
วันเสาร์ที่ 6 มิถุนายน พ.ศ. 2552
Another Perfect Storm - The Dollar Devaluation!
Economists and government officials keep pointing to the glimmer of light at the end of the tunnel. We are led to believe that the worst is now more or less over.
Not so soon! Another perfect storm is brewing - the dollar devaluation. The next financial crisis could well be the dollar crisis.
The U.S. underlying economy is still very weak: business is not expanding, and the credit crunch remains despite bailouts and capital infusion.
According to a recent comment in the New York Times, "the decline of the dollar might take more than a decade, but it could happen even sooner if we do not get our financial house in order."
Indeed, a perfect storm of the greenback is brewing, and the reasons are obvious:
The U.S. government is spending more than its income, and this has been going on for the past two decades.
The U.S. government is continuing to print money to bail out its ailing economy, which seems like a bottomless pit.
There are trillions of dollars held by investors and speculators outside the United States. Their sentiments over the value of the dollar may shift anytime soon. The value of the dollar is perceived merely in the eyes of the beholders, many of whom are getting very nervous about the prospects of their dollar-based assets.
Foreign governments, in particular, China, are becoming more nervous and less patient of what the Federal government is doing to their assets. Most recently, the Chinese government told the American Treasury Secretary: "We trust you to value your assets."
Currently, the U.S. currency still holds its value, but things could get nasty. A change of sentiments over the greenback may lead to drastic decline of the dollar, and this dollar crisis could be triggered by several factors.
A sudden move by the Chinese government to dump their U.S. dollar-based assets could trigger a free fall of the dollar. Everybody is banking on the presumption that such a move by the Chinese government would not be in the best interest of China itself (as a matter of fact, such a drastic move would be suicidal to China's economy and detrimental to the welfare of its people). However, one thing we must remember is that the current situation is tantamount to the scenario of the game of musical chairs - the music will have to stop sometime and somehow, and no foreign government would like to be the last one to find that there is no more chair to sit on. A dollar crisis precipitated by dollar devaluation could lead to massive exit of investors and speculators worldwide.
According to a recent report, Brazil and China will work towards using their own currencies in trade transactions rather than the U.S. dollar. This move follows recent Chinese challenges to the status of the dollar as the world's leading international currency. In fact, China has proposed replacing the U.S. dollar as the world's leading currency with a new international reserve currency, possibly in the form of special drawing rights (SDRs), a unit of account used by the International Monetary Fund.
Another factor that could accelerate the decline of the dollar is inflation. For the past decades, the Federal Reserve has been successful in curbing inflation while printing money at a record level. What the Federal Reserve has been doing is to allow the slow and orderly dollar devaluation. The question is: Can the Federal Reserve continue this reckless policy while focusing its attention on how to put the economy back on its track? When inflation would rear its ugly head again - it is a matter of "when" and not "if" - that could be the demise of the dollar.
Another factor that could trigger the sell-off of the U.S. dollar is that a Treasury bond auction that does not go as planned. The U.S. government cannot continuously borrow from foreigners to make both ends meet.
Given that there are several scenarios that could spell death for the dollar, and that its impact on the economy could be much more devastating than the current bank failure and foreclosure crisis, the U.S.government should be bracing itself for the perfect storm - the dollar devaluation.
Stephen Lau is a writer and researcher. He has published several books and many websites on money matters, health, healing, depression, eating disorders, and golf. For more information on finance and money matters, and also get your FREE copy of the 143-page e-book recently published by Stephen Lau, go to: http://www.smartcreditsmartmoney.com/sm.html
Article Source: http://EzineArticles.com/?expert=Stephen_Lau
Not so soon! Another perfect storm is brewing - the dollar devaluation. The next financial crisis could well be the dollar crisis.
The U.S. underlying economy is still very weak: business is not expanding, and the credit crunch remains despite bailouts and capital infusion.
According to a recent comment in the New York Times, "the decline of the dollar might take more than a decade, but it could happen even sooner if we do not get our financial house in order."
Indeed, a perfect storm of the greenback is brewing, and the reasons are obvious:
The U.S. government is spending more than its income, and this has been going on for the past two decades.
The U.S. government is continuing to print money to bail out its ailing economy, which seems like a bottomless pit.
There are trillions of dollars held by investors and speculators outside the United States. Their sentiments over the value of the dollar may shift anytime soon. The value of the dollar is perceived merely in the eyes of the beholders, many of whom are getting very nervous about the prospects of their dollar-based assets.
Foreign governments, in particular, China, are becoming more nervous and less patient of what the Federal government is doing to their assets. Most recently, the Chinese government told the American Treasury Secretary: "We trust you to value your assets."
Currently, the U.S. currency still holds its value, but things could get nasty. A change of sentiments over the greenback may lead to drastic decline of the dollar, and this dollar crisis could be triggered by several factors.
A sudden move by the Chinese government to dump their U.S. dollar-based assets could trigger a free fall of the dollar. Everybody is banking on the presumption that such a move by the Chinese government would not be in the best interest of China itself (as a matter of fact, such a drastic move would be suicidal to China's economy and detrimental to the welfare of its people). However, one thing we must remember is that the current situation is tantamount to the scenario of the game of musical chairs - the music will have to stop sometime and somehow, and no foreign government would like to be the last one to find that there is no more chair to sit on. A dollar crisis precipitated by dollar devaluation could lead to massive exit of investors and speculators worldwide.
According to a recent report, Brazil and China will work towards using their own currencies in trade transactions rather than the U.S. dollar. This move follows recent Chinese challenges to the status of the dollar as the world's leading international currency. In fact, China has proposed replacing the U.S. dollar as the world's leading currency with a new international reserve currency, possibly in the form of special drawing rights (SDRs), a unit of account used by the International Monetary Fund.
Another factor that could accelerate the decline of the dollar is inflation. For the past decades, the Federal Reserve has been successful in curbing inflation while printing money at a record level. What the Federal Reserve has been doing is to allow the slow and orderly dollar devaluation. The question is: Can the Federal Reserve continue this reckless policy while focusing its attention on how to put the economy back on its track? When inflation would rear its ugly head again - it is a matter of "when" and not "if" - that could be the demise of the dollar.
Another factor that could trigger the sell-off of the U.S. dollar is that a Treasury bond auction that does not go as planned. The U.S. government cannot continuously borrow from foreigners to make both ends meet.
Given that there are several scenarios that could spell death for the dollar, and that its impact on the economy could be much more devastating than the current bank failure and foreclosure crisis, the U.S.government should be bracing itself for the perfect storm - the dollar devaluation.
Stephen Lau is a writer and researcher. He has published several books and many websites on money matters, health, healing, depression, eating disorders, and golf. For more information on finance and money matters, and also get your FREE copy of the 143-page e-book recently published by Stephen Lau, go to: http://www.smartcreditsmartmoney.com/sm.html
Article Source: http://EzineArticles.com/?expert=Stephen_Lau
วันศุกร์ที่ 5 มิถุนายน พ.ศ. 2552
What Are the Advantages of Financial Spread Betting?
Financial spread betting is gaining popularity in the UK. There are several reasons and advantages for the rapid rise in this area.
Profits are Tax Free
All the profits are free of Capital Gains and Income Tax. These profits are recognised as the winnings of a bet thus free of tax. But tax laws are subject to change.
Opportunity to make money either in Bull or Bear situation
Another obvious advantage of this financial investment instrument is the opportunity to make money even on falling market. You have the option to go short of a stock or share. Thus, you can experience the benefit of either a rising or falling market.
Limit your risk
It is a high-risk activity. There is every possibility to lose more than the amount of your bet. Therefore some financial betting firms provide stop-loss facility to limit your risk. The stop-loss tool is very important especially in a volatile market situation.
Gearing
You are allowed to trade in sizes smaller than those usually available in the underlying market. Similarly, you may also benefit from an opportunity to trade in larger positions than are normally permitted in the underlying market, without depositing large sums of money.
Wide range of market
Spread betting companies provide wide range of markets for bets on stocks, currencies, options, interest rates and commodities. Some also offer markets for football, horse racing and rugby.
No commission
All the costs are built into the bid-offer spread. It is much more cost effective for someone who is looking into buying or selling, three, four, five times a day.
These are some of the advantages of financial spread betting.
You can learn financial spread betting from Daniel's financial spread betting companies blog.
Article Source: http://EzineArticles.com/?expert=Daniel_Weber
Profits are Tax Free
All the profits are free of Capital Gains and Income Tax. These profits are recognised as the winnings of a bet thus free of tax. But tax laws are subject to change.
Opportunity to make money either in Bull or Bear situation
Another obvious advantage of this financial investment instrument is the opportunity to make money even on falling market. You have the option to go short of a stock or share. Thus, you can experience the benefit of either a rising or falling market.
Limit your risk
It is a high-risk activity. There is every possibility to lose more than the amount of your bet. Therefore some financial betting firms provide stop-loss facility to limit your risk. The stop-loss tool is very important especially in a volatile market situation.
Gearing
You are allowed to trade in sizes smaller than those usually available in the underlying market. Similarly, you may also benefit from an opportunity to trade in larger positions than are normally permitted in the underlying market, without depositing large sums of money.
Wide range of market
Spread betting companies provide wide range of markets for bets on stocks, currencies, options, interest rates and commodities. Some also offer markets for football, horse racing and rugby.
No commission
All the costs are built into the bid-offer spread. It is much more cost effective for someone who is looking into buying or selling, three, four, five times a day.
These are some of the advantages of financial spread betting.
You can learn financial spread betting from Daniel's financial spread betting companies blog.
Article Source: http://EzineArticles.com/?expert=Daniel_Weber
วันพฤหัสบดีที่ 4 มิถุนายน พ.ศ. 2552
How Well Do You Know Your Money? Ten Questions About the Lincoln Cent
So You Think You Know Your Money! The Lincoln Memorial Cent was produced from 1959 to 2008. You've probably seen thousands of them. The US Mint began issuing four new designs in 2009, and in 2010 yet another design change occurs.
Think about the Lincoln Cent -- the Lincoln Memorial design, and without looking at a coin, answer these 10 questions.
1. The Lincoln Memorial Design replaced the Heraldic Wheat Design on the penny's reverse in 1959. What was the occasion that caused this re-design?
2. The letters FG appear on the coin's reverse side, to the right of the steps of the Lincoln Memorial. What does the FG stand for? (No, it's not "Found on the Ground.")
3. You've looked at the coin hundreds, maybe even thousands of times. The reverse (tails) side of the coin features the Lincoln Memorial. How many columns are depicted on the front of the Lincoln Memorial?
4. On which side of the coin does the word "Penny" appear?
5. The alphabet contains 26 letters. How many of those letters appear on the obverse (front) of the Lincoln Cent? For that matter, how many letters are there in total on the "heads" side of the coin?
6. Of course we need bilingual education! There are even two languages on our Lincoln Cent. We know English is there. What other language appears? (Extra Credit Question: What error did Vice President Al Gore make concerning the meaning of the words in that non-English quote?)
7. Which direction does Lincoln face on the Lincoln Cent. To the right, to the left, or straight ahead?
8. The little lines that go around the edges or our coins are called reeds. The Roosevelt Dime, for example, has a reeded edge with 118 reeds. How many reeds are on the edge of a Lincoln Cent?
9. At the base of Lincoln's neck on the front (obverse) of the coin are the letters VDB. Those letters are the initials of the designer of the image, Victor David Brenner. Which President championed Brenner to be the Lincoln Cent's designer?
10. The Lincoln Cent was a ground-breaker in that the image on the obverse of the cent was the first to portray something that had never appeared on US Coinage before. What was on the "heads" side of the coin that was a complete break from US Coinage tradition?
How do you think you did? Take a deep breath and read on. Let's see just how well you know your money.
1. The Lincoln Cent first appeared in 1909. That was the centenary of the birth of Abraham Lincoln, who was born in 1809. The change in the coin's design celebrated the fiftieth anniversary of the Lincoln Cent's appearance.
2. The letters FG on the reverse side of the coin are the designer's initials. Frank Gasparro was the tenth Chief Engraver of the US Mint. His Lincoln Memorial design replaced the Heraldic Wheat design.
3. 12
4. Trick question. The word "Penny" does not appear on the Lincoln Cent. In fact, it doesn't appear on any US coinage because technically the United States has no pennies. The word is a carryover from the time that the English Penny was the coin of the land. The English will tell you that the plural of "penny" is "pence" by the way.
5. 15 different letters appear on the front of the Lincoln Cent. B, D, E, G, I, L, N, O, R, S, T, U, V, W, and Y. There are actually 22 total letters and 4 digits on the obverse of the coin.
6. The motto on the Great Seal of the United States is "E Pluribus Unum." Which is Latin for "Out of many, one." Vice President Gore, in a speech to the Institute of World Affairs in January 1994 said, "We can build a collective civic space large enough for all our separate identities, that we can be e pluribus unum -- out of one, many." (The reverse of the actual meaning.)
7. Another trick question. On the front of the coin Lincoln faces to our right. If you turn the coin over, the image of Lincoln in the Lincoln Memorial is looking directly at you.
8. There are no reeds on the edge of a Lincoln Cent. The edge is smooth.
9. Victor D. Brenner's promoter was President Theodore Roosevelt.
10. Prior to the minting of the Lincoln Cent, an actual person had never been depicted on US coinage. Liberty personified, emblems, even animals had appeared, but never a real person.
How did you do? Many people answer fewer than half the questions correctly! I hope this little quiz causes you to look a little bit closer at your change, and think about the people and ideas the designs celebrate!
Arthur Haule began collecting coins in 1963 and specializes in one cent pieces. He is a member of the American Numismatic Association and lives in the Dallas - Fort Worth Metroplex. He believes that coinage is fine art that you can carry around in your pocket. He edits several micro-blogs including Lincoln Pennies--A Great Intro to Coin Collecting located at http://www.squidoo.com/lincolnpenny
Article Source: http://EzineArticles.com/?expert=Arthur_Haule
Think about the Lincoln Cent -- the Lincoln Memorial design, and without looking at a coin, answer these 10 questions.
1. The Lincoln Memorial Design replaced the Heraldic Wheat Design on the penny's reverse in 1959. What was the occasion that caused this re-design?
2. The letters FG appear on the coin's reverse side, to the right of the steps of the Lincoln Memorial. What does the FG stand for? (No, it's not "Found on the Ground.")
3. You've looked at the coin hundreds, maybe even thousands of times. The reverse (tails) side of the coin features the Lincoln Memorial. How many columns are depicted on the front of the Lincoln Memorial?
4. On which side of the coin does the word "Penny" appear?
5. The alphabet contains 26 letters. How many of those letters appear on the obverse (front) of the Lincoln Cent? For that matter, how many letters are there in total on the "heads" side of the coin?
6. Of course we need bilingual education! There are even two languages on our Lincoln Cent. We know English is there. What other language appears? (Extra Credit Question: What error did Vice President Al Gore make concerning the meaning of the words in that non-English quote?)
7. Which direction does Lincoln face on the Lincoln Cent. To the right, to the left, or straight ahead?
8. The little lines that go around the edges or our coins are called reeds. The Roosevelt Dime, for example, has a reeded edge with 118 reeds. How many reeds are on the edge of a Lincoln Cent?
9. At the base of Lincoln's neck on the front (obverse) of the coin are the letters VDB. Those letters are the initials of the designer of the image, Victor David Brenner. Which President championed Brenner to be the Lincoln Cent's designer?
10. The Lincoln Cent was a ground-breaker in that the image on the obverse of the cent was the first to portray something that had never appeared on US Coinage before. What was on the "heads" side of the coin that was a complete break from US Coinage tradition?
How do you think you did? Take a deep breath and read on. Let's see just how well you know your money.
1. The Lincoln Cent first appeared in 1909. That was the centenary of the birth of Abraham Lincoln, who was born in 1809. The change in the coin's design celebrated the fiftieth anniversary of the Lincoln Cent's appearance.
2. The letters FG on the reverse side of the coin are the designer's initials. Frank Gasparro was the tenth Chief Engraver of the US Mint. His Lincoln Memorial design replaced the Heraldic Wheat design.
3. 12
4. Trick question. The word "Penny" does not appear on the Lincoln Cent. In fact, it doesn't appear on any US coinage because technically the United States has no pennies. The word is a carryover from the time that the English Penny was the coin of the land. The English will tell you that the plural of "penny" is "pence" by the way.
5. 15 different letters appear on the front of the Lincoln Cent. B, D, E, G, I, L, N, O, R, S, T, U, V, W, and Y. There are actually 22 total letters and 4 digits on the obverse of the coin.
6. The motto on the Great Seal of the United States is "E Pluribus Unum." Which is Latin for "Out of many, one." Vice President Gore, in a speech to the Institute of World Affairs in January 1994 said, "We can build a collective civic space large enough for all our separate identities, that we can be e pluribus unum -- out of one, many." (The reverse of the actual meaning.)
7. Another trick question. On the front of the coin Lincoln faces to our right. If you turn the coin over, the image of Lincoln in the Lincoln Memorial is looking directly at you.
8. There are no reeds on the edge of a Lincoln Cent. The edge is smooth.
9. Victor D. Brenner's promoter was President Theodore Roosevelt.
10. Prior to the minting of the Lincoln Cent, an actual person had never been depicted on US coinage. Liberty personified, emblems, even animals had appeared, but never a real person.
How did you do? Many people answer fewer than half the questions correctly! I hope this little quiz causes you to look a little bit closer at your change, and think about the people and ideas the designs celebrate!
Arthur Haule began collecting coins in 1963 and specializes in one cent pieces. He is a member of the American Numismatic Association and lives in the Dallas - Fort Worth Metroplex. He believes that coinage is fine art that you can carry around in your pocket. He edits several micro-blogs including Lincoln Pennies--A Great Intro to Coin Collecting located at http://www.squidoo.com/lincolnpenny
Article Source: http://EzineArticles.com/?expert=Arthur_Haule
วันพุธที่ 3 มิถุนายน พ.ศ. 2552
Greed, Stupidity and Corruption Can Be Conned by the Super Thief
At the end of every era there is always someone or something that symbolizes the greed, corruption and stupidity of that period. Bernard L Madoff, Jewish born ex Wall Street chairman and founder, is one of those stories, that symbolized the end of the era of 'easy credit'. A period that brought nations crashing to their knees, across the world, in the worst recession since the Great Depression of the 1930's.
Seventy year-old Madoff and his wife were the brains behind the largest ponzi scheme ever to hit the world. Madoff's customers continued to earn out of the ordinary interest, even when the financial world was falling down around everyone's ears. Madoff fed off people's greed and stupidity by using 11 simple rules.
• Madoff's Project Radiated Exclusivity
Madoff gathered his clients from exclusive clubs, while rejecting many other would-be clients, thereby creating an instantaneous feeling of exclusivity. He made people feel they were 'fortunate' to finally be involved in the scheme.
• Madoff Was Well Connected
Madoff and his wife were once portrayed as the 'Must-Be-Seen-With' people on the society circuit. The world's wealthiest and most famous people were frequently invited to spend time with the Madoffs on their 55 foot boat, or at one of their three opulent mansions.
• Madoff Was Well Liked And Highly Respected
Madoff and his wife Ruth, nurtured a feeling of well-being in all those around them. They gave the appearance of being such likable people, only out to help others, as they were highly regarded by the rich and famous.
• Madoff Networked
He got his 'friends' to recruit others on his behalf. He then used his 'A' list of clients to lure others. This permitted Madoff to achieve access to the wealthy all over the world. Madoff was a well-known member of the Jewish community.
• Madoff Provided A Business Plan
Madoff produced a ponzi scheme, as his business plan, where money from new investors paid out older investors. All this was achieved without even making any investments.
• Madoff Had The Salesman's Dream Talent - The Gift Of The Gab
Madoff was never hesitant in coming forward with a swift and specific word of advice for his investors.
• Madoff Created Credibility
Madoff advised his new investors to start out small and build up their investment. This added credibility to the scheme.
• Madoff Seemed to Do All The Correct Things
While Madoff was an original designer of the concept of Internet access to accounts, he never allowed his clients to have access to this technology. Instead he sent out a monthly newsletter, featuring reports to investors revealing their 'trading' activity and 'investments'. Though invested on several different occasions, Madoff came up squeaky clean.
• Madoff Avoided The Use Of Credible Accounting Firms
Madoff adamantly refused to use credible accounting and auditing firms. Instead he used a totally unknown firm that had no accountability, allowing Madoff to freely 'change the books'. Madoff never let any outside organization do any performance audits.
• Madoff Established A Relationship With The Regulators
While many people raised concerns about the steady rate of interest his investors were receiving, when the economy was in a long hard downturn, their voices went unheard. Well known critics openly declared it was mathematically impossible for Maddof's investment strategies to give the return he claimed. Madoff readily admitted he was 'close to the regulators' and was known to have lied to the SEC. In fact, Madoff was an advisor to the regulators, as the former chairman and founder of the NASDAQ, as well as an adviser to the Securities and Exchange Commission.
• Madoff Was A High Profile Donor
Madoff was never backward in coming forward as a political donor and philanthropist (do gooder). Madoff and his wife formed a charitable foundation, donating frequently to hospitals and theatres, as well as to research programs. Now having discovered how Madoff used greed, corruption and yes, stupidity, take a look at the other side of the coin, according to a person who was near to Madoff for approximately twenty years.
•Madoff was a sexist egomaniac who was seen frequently in massage parlours.
•Madoff was enticing to women and had a long history of flirtation, with a roving eye (even though Ruth, his wife, watched over him like a hawk).
•He insulted his staff when he was under stress
Madoff's victims in the ponzi scheme are well-known, including even the clinical Professor of Psychiatry at the University of Colorado, one of the world's leading experts on financial scams and the author of Annals of Gulibility: Why We Get Duped And How To Avoid It.
The results from Madoff's scheme will be around for years to come in the land of the rich and famous. Madoff was only caught after confessed to his two sons, that the whole business was 'one big lie'. The biggest lie the world has ever known. It is not known how much money Madoff stashed away overseas, before his arrest.
Dr Wendy Stenberg-Tendys and her husband are CEO's of YouMe Support Foundation (http://youmesupport.org) providing high school education grants for children who are without hope. A chance to fulfill their dreams at whatever level they chose to. Take a few minutes to check it all out at Win A Resort (http://winaresort.com)
Feel free to contact Wendy on admin@youmesupport.org
Article Source: http://EzineArticles.com/?expert=Wendy_Stenberg-Tendys
Seventy year-old Madoff and his wife were the brains behind the largest ponzi scheme ever to hit the world. Madoff's customers continued to earn out of the ordinary interest, even when the financial world was falling down around everyone's ears. Madoff fed off people's greed and stupidity by using 11 simple rules.
• Madoff's Project Radiated Exclusivity
Madoff gathered his clients from exclusive clubs, while rejecting many other would-be clients, thereby creating an instantaneous feeling of exclusivity. He made people feel they were 'fortunate' to finally be involved in the scheme.
• Madoff Was Well Connected
Madoff and his wife were once portrayed as the 'Must-Be-Seen-With' people on the society circuit. The world's wealthiest and most famous people were frequently invited to spend time with the Madoffs on their 55 foot boat, or at one of their three opulent mansions.
• Madoff Was Well Liked And Highly Respected
Madoff and his wife Ruth, nurtured a feeling of well-being in all those around them. They gave the appearance of being such likable people, only out to help others, as they were highly regarded by the rich and famous.
• Madoff Networked
He got his 'friends' to recruit others on his behalf. He then used his 'A' list of clients to lure others. This permitted Madoff to achieve access to the wealthy all over the world. Madoff was a well-known member of the Jewish community.
• Madoff Provided A Business Plan
Madoff produced a ponzi scheme, as his business plan, where money from new investors paid out older investors. All this was achieved without even making any investments.
• Madoff Had The Salesman's Dream Talent - The Gift Of The Gab
Madoff was never hesitant in coming forward with a swift and specific word of advice for his investors.
• Madoff Created Credibility
Madoff advised his new investors to start out small and build up their investment. This added credibility to the scheme.
• Madoff Seemed to Do All The Correct Things
While Madoff was an original designer of the concept of Internet access to accounts, he never allowed his clients to have access to this technology. Instead he sent out a monthly newsletter, featuring reports to investors revealing their 'trading' activity and 'investments'. Though invested on several different occasions, Madoff came up squeaky clean.
• Madoff Avoided The Use Of Credible Accounting Firms
Madoff adamantly refused to use credible accounting and auditing firms. Instead he used a totally unknown firm that had no accountability, allowing Madoff to freely 'change the books'. Madoff never let any outside organization do any performance audits.
• Madoff Established A Relationship With The Regulators
While many people raised concerns about the steady rate of interest his investors were receiving, when the economy was in a long hard downturn, their voices went unheard. Well known critics openly declared it was mathematically impossible for Maddof's investment strategies to give the return he claimed. Madoff readily admitted he was 'close to the regulators' and was known to have lied to the SEC. In fact, Madoff was an advisor to the regulators, as the former chairman and founder of the NASDAQ, as well as an adviser to the Securities and Exchange Commission.
• Madoff Was A High Profile Donor
Madoff was never backward in coming forward as a political donor and philanthropist (do gooder). Madoff and his wife formed a charitable foundation, donating frequently to hospitals and theatres, as well as to research programs. Now having discovered how Madoff used greed, corruption and yes, stupidity, take a look at the other side of the coin, according to a person who was near to Madoff for approximately twenty years.
•Madoff was a sexist egomaniac who was seen frequently in massage parlours.
•Madoff was enticing to women and had a long history of flirtation, with a roving eye (even though Ruth, his wife, watched over him like a hawk).
•He insulted his staff when he was under stress
Madoff's victims in the ponzi scheme are well-known, including even the clinical Professor of Psychiatry at the University of Colorado, one of the world's leading experts on financial scams and the author of Annals of Gulibility: Why We Get Duped And How To Avoid It.
The results from Madoff's scheme will be around for years to come in the land of the rich and famous. Madoff was only caught after confessed to his two sons, that the whole business was 'one big lie'. The biggest lie the world has ever known. It is not known how much money Madoff stashed away overseas, before his arrest.
Dr Wendy Stenberg-Tendys and her husband are CEO's of YouMe Support Foundation (http://youmesupport.org) providing high school education grants for children who are without hope. A chance to fulfill their dreams at whatever level they chose to. Take a few minutes to check it all out at Win A Resort (http://winaresort.com)
Feel free to contact Wendy on admin@youmesupport.org
Article Source: http://EzineArticles.com/?expert=Wendy_Stenberg-Tendys
วันอังคารที่ 2 มิถุนายน พ.ศ. 2552
Bankruptcy Due to Accrued Medical Bills
Financial distress is caused by a number of things, among them medical expenses. This happens when a family member becomes ill prompting them to be put under medical care. In case there is no health insurance available for such an individual, the medical expense may be too much for the person responsible to cater for. In such instances, the person ends up using whatever they have in savings in order to pay the bill.
At times, they end up borrowing and are never able to pay back. This in most cases leads to bankruptcy. Among the promises that the current President made when he was campaigning for presidency was that his government would help those Americans who always found themselves in debt, to come out of it. While still at the senate the current president of the United States of America did not support the credit card industry.
He argued that it did more harm than good in helping the poor get out of financial crisis. The President urged America that he would institute a five-star organization that would help those trapped in bankruptcy to make informed decisions on what was best in solving their financial distress.
He proposed bankruptcy reforms in which financially distressed persons who proved that they got into the situation due to high medical bills would get a second chance. Though this proposal of relieving people who were in financial distress out of medical expenses was opposed by John McCain, it was the only way for most of American to come out of debt. Among other reforms, this exemption was a fair way of helping most poor people.
Peter Gitundu Creates Interesting And Thought Provoking Content on Finance. For More Information On How To Deal With Bankruptcy, Read More Of His Articles Here DEALING WITH BANKRUPTCY If You Enjoyed This Article, Make Sure You SUBSCRIBE TO MY RSS FEED!
Article Source: http://EzineArticles.com/?expert=Peter_Gitundu
At times, they end up borrowing and are never able to pay back. This in most cases leads to bankruptcy. Among the promises that the current President made when he was campaigning for presidency was that his government would help those Americans who always found themselves in debt, to come out of it. While still at the senate the current president of the United States of America did not support the credit card industry.
He argued that it did more harm than good in helping the poor get out of financial crisis. The President urged America that he would institute a five-star organization that would help those trapped in bankruptcy to make informed decisions on what was best in solving their financial distress.
He proposed bankruptcy reforms in which financially distressed persons who proved that they got into the situation due to high medical bills would get a second chance. Though this proposal of relieving people who were in financial distress out of medical expenses was opposed by John McCain, it was the only way for most of American to come out of debt. Among other reforms, this exemption was a fair way of helping most poor people.
Peter Gitundu Creates Interesting And Thought Provoking Content on Finance. For More Information On How To Deal With Bankruptcy, Read More Of His Articles Here DEALING WITH BANKRUPTCY If You Enjoyed This Article, Make Sure You SUBSCRIBE TO MY RSS FEED!
Article Source: http://EzineArticles.com/?expert=Peter_Gitundu
วันจันทร์ที่ 1 มิถุนายน พ.ศ. 2552
How to Get $1,500 a Month to Start Your Business and Get Free Money For Computers!
Do you want to start a business but are unaware of how to go about getting money to fund your venture? If so, then this article will help you determine what is the best route to go when you are trying to get free money from the government.
Did you know the US government has a program in place that will give your over 1,500 dollars a month in order to help you get started and pay your living expenses when you begin your business? There are also programs that can help you get all of the computer software and laptops if you need them when you start your business.
The only requirements to getting money from the government are that you are at least 18 years of age and you are a US citizen. If you meet these requirements, the only thing you need to do is apply for the right program for you and write for a grant.
Over 5,000,000 people per year get grants. The government does not advertise these programs, they don't have too. Did you know that Apple Computers got over $3,000,000 to help start their company. Grants are very real and people get them every month.
In fact, this year alone, the government will issue out $1 Trillion dollars in grant money. Major companies also give money each year to help stay in their tax bracket. So try to take advantage of what could be yours, you can apply for as many programs at once as you like. You just have to apply.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
To Get Help in Getting a Free Government Grant. Click Here
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
Did you know the US government has a program in place that will give your over 1,500 dollars a month in order to help you get started and pay your living expenses when you begin your business? There are also programs that can help you get all of the computer software and laptops if you need them when you start your business.
The only requirements to getting money from the government are that you are at least 18 years of age and you are a US citizen. If you meet these requirements, the only thing you need to do is apply for the right program for you and write for a grant.
Over 5,000,000 people per year get grants. The government does not advertise these programs, they don't have too. Did you know that Apple Computers got over $3,000,000 to help start their company. Grants are very real and people get them every month.
In fact, this year alone, the government will issue out $1 Trillion dollars in grant money. Major companies also give money each year to help stay in their tax bracket. So try to take advantage of what could be yours, you can apply for as many programs at once as you like. You just have to apply.
I have found this resource for grants and I am sharing it with you. Find Free Government Grants.
To Get Help in Getting a Free Government Grant. Click Here
Article Source: http://EzineArticles.com/?expert=Marq_Samsun
Free Money For Personal Needs - Grant Programs
There is a very little known way to get free money for whatever your personal need. Grant programs are made available to the majority of the American population that can financially assist millions of taxpaying citizens in reaching a great number of goals. Whether it be buying a house, going to school, establishing a new business, or any other individual need or idea, if you are an American taxpaying citizen, over the age of eighteen years old, there may be free government money for you to avail.
Whatever your personal need, grant programs are available nationwide to assist you...
There are hundreds of magnificently beneficial free government grant programs for American citizen to take advantage of. There are far too many to list here, but basically, whatever your personal need, grant programs of one type, or the other, or both, are very likely to be a great help to those who qualify. You pick and choose which government grant programs would best advantage you, and once approved, it won't be long before you may receive the cash award to get it started.
A few of the personal need grant opportunities currently available to taxpayers are...
*Home Grants - To finance, at very least, the down payment of a new home.
*Small Business Grants - Enjoy the freedom, independence, and job security of self-employment, without spending a single dime in start up expenses.
*Home Improvement Grants - Homeowners can repair, redecorate, or remodel without having to supply their own money to pay for it. Uncle Sam will float you the cash to fix up your home and raise your property value.
*Personal Debt Relief Grants - If you've fallen into an economical downward spiral of debt, you can get free money to pay your bills in full...even credit cards. You can greatly improve your credit score too!
These are only the tip of the iceberg as far as free government money is concerned. Follow the links below to find out if you qualify for these amazing programs. And remember, whatever your personal need, grant money may be plentiful and readily available for you to advantage.
To begin, access the Government Grant Sources and potentially get your first check in as little as 7 days. Thousands of dollars may be available to you now, but you have to ask for it.
=>> Apply for Grants
See how to obtain free government money to pay off credit card debt, go back to school or even buy your new home.
Article Source: http://EzineArticles.com/?expert=Gayle_Middle
Whatever your personal need, grant programs are available nationwide to assist you...
There are hundreds of magnificently beneficial free government grant programs for American citizen to take advantage of. There are far too many to list here, but basically, whatever your personal need, grant programs of one type, or the other, or both, are very likely to be a great help to those who qualify. You pick and choose which government grant programs would best advantage you, and once approved, it won't be long before you may receive the cash award to get it started.
A few of the personal need grant opportunities currently available to taxpayers are...
*Home Grants - To finance, at very least, the down payment of a new home.
*Small Business Grants - Enjoy the freedom, independence, and job security of self-employment, without spending a single dime in start up expenses.
*Home Improvement Grants - Homeowners can repair, redecorate, or remodel without having to supply their own money to pay for it. Uncle Sam will float you the cash to fix up your home and raise your property value.
*Personal Debt Relief Grants - If you've fallen into an economical downward spiral of debt, you can get free money to pay your bills in full...even credit cards. You can greatly improve your credit score too!
These are only the tip of the iceberg as far as free government money is concerned. Follow the links below to find out if you qualify for these amazing programs. And remember, whatever your personal need, grant money may be plentiful and readily available for you to advantage.
To begin, access the Government Grant Sources and potentially get your first check in as little as 7 days. Thousands of dollars may be available to you now, but you have to ask for it.
=>> Apply for Grants
See how to obtain free government money to pay off credit card debt, go back to school or even buy your new home.
Article Source: http://EzineArticles.com/?expert=Gayle_Middle
Not Enough Income, Asset Rich But Cashflow Poor?
In Australia, New Zealand and many western countries there is a situation where people become asset rich and cash-flow poor. There are many people out there with multi-million dollar property portfolios but still lack the cash-flow required to live the lifestyle they desire.
It has been said that around 95% of the Australian population upon reaching retirement age already need financial assistance either from their family, or the government. This is quite alarming, especially considering that the aged pension may not be available in the future.
Age 65 was typically retirement age, but how many of those recent retirees have been forced back to work because of their plummeting superannuation funds? A side-effect of leaving your hard earned funds in the hands of someone else, in most cases at the mercy of the large managed funds where the majority of cash is invested into the share market.
Approximately only 4% of those over 65 are financially independent which means their retirement income at least matches their income from when they were working. But even some of those will unfortunately fall back into the 95% as a result of having their superannuation exposed to a managed fund. Instead they could've been financially educated and learnt how to self-manage their retirement funds.
Lastly there is estimated to be only 1% declared rich who have a net worth over one million dollars, which doesn't include their own home, and even some of them will suffer from the asset rich but cash-flow poor scenario.
Ok, so how do I better my financial situation you may ask? Some people might want to see a financial planner. Here are some questions you might want to ask yourself about the financial planning industry; Does a financial planner have to be a successful investor to be qualified to give you advice? Do you think a financial planner does any more than match a person's profile to schemes from a catalogue of commissioned based products? Does the financial planning industry profit from people's ignorance towards money? Do you think it's in the best interest of the financial planning industry to keep you in the dark about how money works, not that many could teach you anyway? Think about this; if you were educated financially, you would be doing the financial planner out of a job. Let me say at this point that there probably are some good financial advisors out there, I just haven't met many. Learn and educate yourself about money rather than leave it up to someone else, otherwise you're forfeiting control of your financial future.
Maybe you think buying lotto tickets will solve your problems. If you live in hope of maybe winning Tatts lotto you'll die in desperation. Do yourself a favour and never buy another lotto ticket ever again, instead, invest in your financial education and learn how to make the money yourself.
Here are some common myths about money you've probably heard before; You need money to make money, or high return equals high risk. Rather than accept this cultural conditioning or belief system, wouldn't it make sense to check out the facts for yourself?
Lastly here's some food for thought for your now hopefully slightly different perspective on life; Hand someone a fish and feed them for a day, teach someone to fish and they can feed themselves for a lifetime. Remember if you don't plan for your life, you'll probably end up in someone else's plan. Work to learn, not learn to work.
Greg Suggate is an accomplished Stock and Options trader and Entrepreneur. Although having a Diploma of Financial Services he has no interest in working in the Financial Planning industry. His goal is to demonstrate to those less fortunate about the benefits of financially educating themselves. To find out more about Greg and to purchase his e-book package detailing his personal trading strategies, visit http://www.optionsrevealed.com
Article Source: http://EzineArticles.com/?expert=Greg_Suggate
It has been said that around 95% of the Australian population upon reaching retirement age already need financial assistance either from their family, or the government. This is quite alarming, especially considering that the aged pension may not be available in the future.
Age 65 was typically retirement age, but how many of those recent retirees have been forced back to work because of their plummeting superannuation funds? A side-effect of leaving your hard earned funds in the hands of someone else, in most cases at the mercy of the large managed funds where the majority of cash is invested into the share market.
Approximately only 4% of those over 65 are financially independent which means their retirement income at least matches their income from when they were working. But even some of those will unfortunately fall back into the 95% as a result of having their superannuation exposed to a managed fund. Instead they could've been financially educated and learnt how to self-manage their retirement funds.
Lastly there is estimated to be only 1% declared rich who have a net worth over one million dollars, which doesn't include their own home, and even some of them will suffer from the asset rich but cash-flow poor scenario.
Ok, so how do I better my financial situation you may ask? Some people might want to see a financial planner. Here are some questions you might want to ask yourself about the financial planning industry; Does a financial planner have to be a successful investor to be qualified to give you advice? Do you think a financial planner does any more than match a person's profile to schemes from a catalogue of commissioned based products? Does the financial planning industry profit from people's ignorance towards money? Do you think it's in the best interest of the financial planning industry to keep you in the dark about how money works, not that many could teach you anyway? Think about this; if you were educated financially, you would be doing the financial planner out of a job. Let me say at this point that there probably are some good financial advisors out there, I just haven't met many. Learn and educate yourself about money rather than leave it up to someone else, otherwise you're forfeiting control of your financial future.
Maybe you think buying lotto tickets will solve your problems. If you live in hope of maybe winning Tatts lotto you'll die in desperation. Do yourself a favour and never buy another lotto ticket ever again, instead, invest in your financial education and learn how to make the money yourself.
Here are some common myths about money you've probably heard before; You need money to make money, or high return equals high risk. Rather than accept this cultural conditioning or belief system, wouldn't it make sense to check out the facts for yourself?
Lastly here's some food for thought for your now hopefully slightly different perspective on life; Hand someone a fish and feed them for a day, teach someone to fish and they can feed themselves for a lifetime. Remember if you don't plan for your life, you'll probably end up in someone else's plan. Work to learn, not learn to work.
Greg Suggate is an accomplished Stock and Options trader and Entrepreneur. Although having a Diploma of Financial Services he has no interest in working in the Financial Planning industry. His goal is to demonstrate to those less fortunate about the benefits of financially educating themselves. To find out more about Greg and to purchase his e-book package detailing his personal trading strategies, visit http://www.optionsrevealed.com
Article Source: http://EzineArticles.com/?expert=Greg_Suggate
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