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Articles Archive for March 2006

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[31 Mar 2006 | No Comment | 263 views]

Although renting isn’t always the most desirable option, sometimes — for many — it’s the only option. Having been a renter myself I know the frustrations, as well as the joys of renting.
As you peruse the classified ads under “apartments for rent” you are probably looking for two things in particular: first, the price, and second, the included amenities. When my wife and I were searching for our first apartment, price was a major factor for us mostly because we were on a newlywed budget, i.e., tight. Since our first apartment, I have learned that there are a lot more factors that should be at or near the top of your apartment wish list.
 

See the property before putting any money down. Even though price and the included amenities are important, those may not make much of a difference if your apartment is in dire need of repair. The first winter …

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[31 Mar 2006 | No Comment | 502 views]

Journalists and real estate experts have been debating about Zillow, the new brainchild of Richard Barton, and its impact on the real estate industry. Even if Zillow is not as revolutionary as many had anticipated – for better or for worse – it is the latest evidence of how eager people are for information. So eager that the Web site crashed the day it launched because it received 300,000 page views—more than the server could handle.
The Internet has changed the way people access all kinds of information because it empowers them with data that was previously only available to specialists and professionals.
The real estate industry is not exempt from these changes. However, instead of being overwhelmed by new technologies, real estate agents have been using them to stay competitive. In a 2002 survey, the NAR found that 63 percent of Realtors have either a personal Web site or space for …

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[31 Mar 2006 | No Comment | 233 views]

FOREX, (FOReign EXchange market) or FX, is an international exchange market where stocks and shares are not traded, but currency. The return for the investor is not in the value of the currency per se, but rather the relative exchange value of one currency against another currency.
Therefore, Forex trading is always expressed in pairs such as Euro/US Dollar (EUR/USD) or US Dollar/Japanese Yen (USD/JPY).
By simultaneously buying and selling pairs of currencies, the investor, or speculator, hopes to profit from a favorable exchange rate change. Unlike the American stock exchanges, the New York Stock Exchange (NYSE) and the National Association of Securities Dealers Automated Quotation System (NASDAQ), Forex trading is more predictable than stocks.
One strategy that the Forex investor uses is a technique that stems from the assumption that all information about the market and a particular currency’s future fluctuations is found in the price chain. In other words, an investor …

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[31 Mar 2006 | No Comment | 218 views]

What Does FOREX Stand For ?
FOREX stands for Foreign Currency Exchange Market. It is gaining more and more interest in the investing world, and for good reason. The FOREX Market is the largest market in the world and can be accessed anywhere in the world. The FOREX Market’s volume is over 1.5 Trillion, providing almost infinite liquidity and flexibility.
How do you trade?
Instead of trading “stocks” where there is thousands to choose from, you are trading pairs of currency against each other. This gives you an advantage because you can focus on just 2 pairs of currencies instead of countless stocks. You can trade from your home computer, or any computer with an Internet connection from anywhere in the world.
When do you trade?
The FOREX Market is open 24 hours a day so you can trade whenever you want! You just need a computer, a Demo or Real Money account and a …

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[31 Mar 2006 | No Comment | 250 views]

Have you heard that sentence before (I was rich yesterday)? Lots of people have experienced this, even a millionaire. Believe me. They maybe received their paycheck yesterday, or won a lottery ticket, or got a big profit from the shares trading, but they have lost their money today. Why?
This is the secret. Maybe many people know this secret but only some of them really practice it. And the result is? They never short of money and live rich like a millionaire although they are not one of the millionaires yet. So, what is the secret?
Control your expenses, or budgeting, or financial planning, anything that you wan to call it. It is so simple. The only thing that you have to do is control your money flow or cash flow. Then the question rises, how?
There are many ways that you can do in order to save your money. Here are some …

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[31 Mar 2006 | No Comment | 242 views]

Your most important responsibility as an adult is to achieve financial independence for yourself and for your family. Aside from the practical tangible benefits of having all the money you need, there are even more important reasons for obtaining financial freedom.
To achieve financial freedom you have to be in control of your life and you cannot be in control of your life if you’re constantly worrying about not having enough money to pay your bills. Constantly worrying about not having enough money will rob you of any feeling of being in control of your life more than anything else.
The feeling of security is one of the most important and basic human needs. Every person wants and needs to free from feelings of poverty, being destitute, and the feeling failure that is associated with it. The lack of security causes more unhappiness and more underachievement than any other single factor.
Financial freedom …

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[31 Mar 2006 | No Comment | 248 views]

For many folks the idea of getting assistance with their finances through a debt consolidation counselor can be a rather uncomfortable feeling. After all there are many horror stories of consumers losing even more money and ending up deeper in debt through the use of a debt consolidation company. I won’t lie to you there are some companies that are of low morale character and are nothing more then a money exchange service – an exchange of money from your pocket to theirs. However with the right research you can find a debt consolidation service with a counselor you can trust and whose advice can help you back on the road to financial recovery.
There are many reasons why you should seek the help of a debt consolidation counselor. Although many people feel like they can handle their financial problems themselves the truth is if they were financial wizards or astute …

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[31 Mar 2006 | No Comment | 267 views]

In fact, I think everybody could need Consumer Credit Counseling. All who have to deal with money in our complicated society could need to have a talk with a credit counselors at a Consumer Credit Counseling Agency . And that´s the most of us, is it not? For some, not because they are in trouble, but to be sure they never will be. For others, they are already in trouble with their finances, and will sure need some help. If it is not to late.
There are many out there who want to sell you Consumer Credit Counseling services. Before you choose one, ask what they cost? If you are in financial difficulties, don´t get deeper because you are getting services that cost you to much, more than you can pay. Since the late 80’s and early 90’s, the number of credit and debt counseling agencies in America increased significantly, and …

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[31 Mar 2006 | No Comment | 218 views]

Unsecured loans are offered without any collateral. This implies that a borrower will not have to part with rights on home or any asset for availing the loan proceeds. There are two categories of people who use unsecured loans. Firstly, there are tenants and non-homeowners who use unsecured loans out of necessity. The second group is of homeowners who have lately joined the users of unsecured loans.
Homeowners traditionally were the customers of secured loans. Through secured loans, these borrowers were able to get hold of excellent deals, complete with a low rate of interest and easy repayment options. However, the apprehension regarding repossession of home was not to be shrouded under the attractive features. Though this has been accepted as no more than a myth, many of the regular customers of secured loans were dispersed as a result of this. These customers opted for unsecured loans.
Unsecured loan providers do not …

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[31 Mar 2006 | No Comment | 256 views]

What if you could strip down your current health insurance? What if you really don’t need office visit co-pays or co-pays to visit a specialist? Have you ever thought about what a “zero” drug deductible is costing you every month? If you are one of the many people that think about this everyday or maybe just that person who we talk to that tells us they don’t go to the doctor very often except for a physical, then why have you not opted to switch to the ever growing popular Health Savings Account?
Depending on your situation the Health Savings Account can really save you money every month and if done properly save your wallet. There are many companies marketing the plan these days but what really is the Health Savings Account? If you are familiar with Flexible Spending Accounts and IRA’s then you have won half the battle. The other …