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[28 Feb 2006 | No Comment | 354 views]

Life is full of turns and twists; everyone goes through a bad and good phase. What do you do when the time is against you and you need a mortgage urgently? Don’t worry about your credit rating for there are lenders who are ready to offer you the best mortgage deals despite your bad credit history.
Credit history is an important factor that immensely affects the loan or mortgage granting decisions of a lender. Too much debt and bad rating may actually get your application rejected. But to help yourself out of the situation, you as a borrower would have to convince the lender about your repayment ability.
To get yourself good grades all you have to do is to remove the red marks from your credit report. There are a number of factors, which can affect your credit report.
They can be broadly classified as:
 
• The length of time you have had bad …

World »

[28 Feb 2006 | No Comment | 389 views]

This is a very simple Real Estate Investment Plan that anyone can do. In fact, because it’s so simple most people won’t do it. There are only three simple steps.
>> STEP 1. Go out and borrow one million dollars.
>> STEP 2. Use the million dollars and buy one million dollars worth of well-selected real estate.
>> STEP 3. Get other people to agree to pay off the million dollar loan for you.
Sounds easy. Right? Well it is. Think about this.
In the next year, I want you to go into your real estate marketplace and see if you can find two single-family houses, townhouses or condos in a starter price range. The price range will vary depending on the area of the county that you are in. For my example, I’m going to use a range of $150,000 to $200,000 per property.
I want you to buy these two properties and you should …

World »

[28 Feb 2006 | No Comment | 513 views]

You just spent 30 years making reports, fielding phone calls, filing papers, and pacifying your boss at the office. At the end of each day, you find your energy gradually waning as you reach that point wherein you wanted to declare the last part of your work — retirement.
Retirement is when an individual feels like withdrawing from their occupation to find some time for their selves and contemplate on how much he or she has earned or saved.
Everybody needs a time to stop working, reflect back upon the past, and enjoy whatever life has to offer with the individual’s retirement plan or pension staying close behind.
However, the problem of retirement using the typical pensions plans like that of the Social Security; people should start relying on their own savings than the usual way of planning for retirement. This is because the Social Security is gradually losing more assets than it …

World »

[28 Feb 2006 | No Comment | 509 views]

Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.
- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.
- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don’t have to be from the state to buy insurance there.
Cheap Auto Insurance
Get several quotes, …

World »

[28 Feb 2006 | No Comment | 447 views]

While not a life insurance product, I think it is worth mentioning about the other two more popular types of insurance. Instead of paying a death benefit, critical illness insurance and disability insurance pay a living benefit.
Critical illness (CI) insurance was developed by a South African doctor in the early 1980’s after he was alarmed that while many of his patients had standard life insurance, it was of no use to them if they had a heart attack and survived. Critical illness insurance will pay a lump sum benefit should you be diagnosed with a serious illness or condition and survive a set time frame (usually one month). The big three conditions are heart attack, stroke and cancer – but some insurance companies add additional 18 – 20 conditions under their plans (leukemia, severe burns, loss of limbs…). CI application forms are very similar to their life insurance counterparts, the …

World »

[28 Feb 2006 | No Comment | 636 views]

Can you find cheap insurance? Yes. You can not only spend less on all types of insurance, but you can get more of the coverages you need for less. Here are a few insider secrets to help you out.
Cheap Life Insurance
- Purchase multiple policies. Instead of buying one large policy, save money by buying two, or even three, and staggering the terms. Have one run until the kids are out of the house, for example, and the other until your retirement fund kicks in.
- Investigate the company. Visit www.naic.org/cis, the National Association of Insurance Commissioners site. It has links to check out companies, including their financial condition, and the complaints filed against them.
- Ask about rebates. Some states allow agents to rebate a portion of their commission to you. Check online or by phone. You don’t have to be from the state to buy insurance there.
Cheap Auto Insurance
Get several quotes, …

World »

[28 Feb 2006 | No Comment | 614 views]

While not a life insurance product, I think it is worth mentioning about the other two more popular types of insurance. Instead of paying a death benefit, critical illness insurance and disability insurance pay a living benefit.
Critical illness (CI) insurance was developed by a South African doctor in the early 1980’s after he was alarmed that while many of his patients had standard life insurance, it was of no use to them if they had a heart attack and survived. Critical illness insurance will pay a lump sum benefit should you be diagnosed with a serious illness or condition and survive a set time frame (usually one month). The big three conditions are heart attack, stroke and cancer – but some insurance companies add additional 18 – 20 conditions under their plans (leukemia, severe burns, loss of limbs…). CI application forms are very similar to their life insurance counterparts, the …