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Robert Michael's Articles

  • A Loan For Debt Consolidation Allows You To Pay Several Creditors With One Simple Payment
    Paring Down Payments

    A Debt consolidation loan is the creation of one new loan for the purpose of paying off all other current loans and credit card debts.

    A loan for debt consolidation allows you to pay several creditors with one simple payment. A debt consolidation is considered a personal loan.

    The primary purpose behind debt consolidation borrowing is to lower your interest rate while providing the debtor with a monthly payment she or he can afford. It also preve...
  • The New Bankruptcy Law Will Soon Be In Effect
    The new bankruptcy law will soon be in effect

    The new bankruptcy laws will be in effect before the end of the year. This is devastating news to those who are already in debt or facing possible future debt. However this is good news to most businesses no longer having the need to file for as much profit loss as some had to in the past.

    Once the new bankruptcy law goes into effect it will be almost impossible for some individuals to file for bankruptcy. Chapter 13 bankrup...
  • Helping Your College Student With His Or Her Visa Card
    Teens and those in their early twenties are very savvy these days, but not necessarily about money. So when Visa comes calling, they snatch up credit card deals (often aimed at the university market) and start piling on the “deals”, only to find themselves in debt later.

    You can help your child by giving him or her some helpful tips on using a Visa card for good, not evil.

    Visa card tip #1: Only use in emergency situations

    For many students, an “emergency” equals the...
  • Finding The Right Brokerage Firm For You
    Are you looking for a brokerage that fits your style? Have you hesitated because you’re not sure how to begin? Check out this guide for some hints to uncovering the right brokerage firm for you.

    Brokerage Firm Hint #1: Decide what you want/need before shopping around.

    Before you ever begin looking for a brokerage firm, make sure you understand your own personality when it comes to finances. For example, how risk averse are you? Do you throw money at potential investment...
  • Thinking About A Remortgage? Let's Look At The Choices
    Remortgage Regulars

    When you're thinking about a remortgage you have a number of options you'll want to weigh. Let's look at the choices:

    * Standard variable rate (SVR) remortgage -usually this is the most costly rate, typically with a low temporary rate up front as a promotion and then a transfer to the standard variable rate once that time period has passed. Most homeowners on an SVR will try to remortgage as soon as they can.

    * Fixed rate remortgage - This typical...
  • A Typical Homeowners Insurance Policy Has Four Key Ingredients
    A typical homeowners insurance policy has four key ingredients. They are:

    1. Homeowner insurance coverage for your home itself
    2. Homeowner insurance coverage for your family's personal items
    3. Homeowner liability coverage
    4. Coverage for the expenses of temporary living should you have to vacate your home because of fire, flood or other disaster covered by your homeowner policy.

    The portion of the homeowner coverage for your home itself provides funds for the repai...
  • Protecting Your Property - Property Insurance Is A Must
    Protecting Your Home

    Homeowner insurance is a must, of course, if you own your home. All homeowners realize that, but it's not always easy to determine the right dollar amount of homeowner insurance you should have for adequate protection.

    Homeowner Insurance is designed to offer you the financial wherewithal to rebuild if you're faced with natural or other disaster such as fire, flood, hurricane, tornado, earthquake or terrorism. Unfortunately all too often homeowner p...
  • Why And What Is A Remortgage?
    A remortgage is simply taking out a brand new mortgage on your current home, replacing your existing mortgage and generally saving money by earning a lower rate, or replacing a variable rate mortgage with a fixed one - or vice versa.

    After a considerable time has passed since your initial home purchase, your mortgage payments offer continual increases in your home equity. Due to inflation and other factors your home generally increases in value as well. You are, therefore,...
  • How Easy Is It When Your Applying For A Credit Card Online?
    Applying for a visa credit card is really very easy and can even be done online. However, if you are considering applying for a visa credit card then do a little bit of research on the cards available and the type of card you need because there are different cards that can benefit you more than others. Decide if you are looking a visa credit card so you can get discounts on gas, earn frequent flyer miles, cash back, have bad credit, or any other number of circumstances. When ...
  • Learn The Basics Of The Stock Market
    Many people think that buying and selling stocks on the stock market is a complicated process and this perception keeps them from everything started. If you have ever considered trading stocks in the stock market there has never been a better time to get started.

    Before we talk about buying and selling stocks it is important that you have an understanding of stocks and the stock market in general. A stock certificate is a unit of ownership in a company. It is the smallest ...
  • Are You 85% Of American's Who Can't Save Money?
    Saving money seems like the most difficult task to many Americans; however the truth is with just a few changes in your daily lifestyle you can realize significant savings without cramping your lifestyle. First of all, evaluate where and how you spend your money and then think of ways that will effectively save you money. The following tips are just a few suggestions that will help you on your way to savings.

    One really good suggestion that can save a significant amount of...
  • Responsible Refinancing: Tips To Avoid Predatory Lending
    Homeowners interested in refinancing are probably aware of the dangers of predatory lending. But how do you recognize a predatory lender when you see one? How do you avoid the very real consequences of making a bad refinancing decision?

    Predatory lending really means that a lender influences you to refinance your home in such a way that is not in your best financial interest. Homeowners often become blinded by perceived short-term benefits, losing sight of important long-t...
  • You’ve Decided To Refinance, Now What?
    Researching and knowing your options is the key to making a responsible decision when you decide to refinance your home. You may wonder how to take advantage of offers like no-cost refinancing, or what type of new mortgage is right for your unique situation. Having the right information and asking the right questions is the key to making a decision you will never come to regret.

    First of all, when you refinance, you should keep your long-term financial goals in mind. Somet...
  • Do We Take A Credit Card For Granted These Days?
    It might almost be taken for granted these days that credit has become a way of life. The credit system led by financial giants and credit card merchandisers such as MasterCard has arisen from the old 'paper' system of cash currency. It has quickly replaced older systems as an easy and effective way to exchange money in daily transactions. Credit cards have become popular with the American public, and so many of us do all different types of shopping with these plastic cards. ...
  • Loans: Various Kinds, But Which One Can Help You
    Whether you want to buy a home, finance your education or redo your house, there are many kinds of loans that can help you achieve your goals. Here is a helpful loan guide to introduce some of the most common loans available today.
    Bad Credit Personal Loan

    A Bad Credit Personal Loan is a loan ideal for people bad credit ratings. Your past record of County Court Judgments, mortgage or other loan arrears can live on to deny you access to finance that other people regard as ...
  • When Purchasing Life Insurance There Are A Number Of Factors One Must Consider.
    When purchasing life insurance there are a number of factors one must consider. First, how much life insurance do I need? Second, what kind of insurance do I need? Third, who should my beneficiary be? Lastly, when should I purchase life insurance? Some of these questions may never enter your mind. However, they are all important to your future.

    How much insurance does one person need? Well, this is a hard question. How do you put a value on life? Yet, one must focus on the...
  • Invest In Mutual Funds And Let Someone Else Do The Work
    Deciding to risk your money in an investment is a big decision, however a decision that can also have big returns while minimizing the risk as well. So, if you are interested in saving for the future and making more money from an investment, then you should definitely consider the many benefits offered to investors of mutual funds. Some of the reasons why mutual funds are good investments include great management, access to money in an emergency, investment diversity, and oth...
  • Tips For Building Equity In Your Home
    Home ownership is a major goal for the majority of Americans. Because of this, Americans take pride in their homes and really work hard to make the most of their investments. However, what most people do not understand is the importance of equity in your home and how to build it effectively and quickly. Some tips that will help you build equity in your home include making a large down payment, making more payments on principal, home improvements, and a shorter loan term.

    T...
  • Increase Cash Flow With Invoice Factoring
    Invoice factoring is one of the quickest, easiest ways for business owners to increase their cash flow. If your business produces invoices, then invoice factoring is an option for you.

    The process of invoice factoring works in just a few simple steps. When an invoice is created, you sell it to the “factor” at a discounted rate – usually about 3 to 5 percent off of the invoice total. Factoring means you do not have to wait for the customer to pay to start collecting money f...
  • Credit Card Fraud: An Idiots Guide To Prevention
    Modern society has created a monster known as credit card fraud. With the considerable use of credit cards, the world has become a playground for the common credit larcenist. But, if you educate yourself on the issue at hand, and learn the steps to take, you can combat this momentous problem.

    Some credit card perpetrators have started combing through garbage cans searching for your credit card data. If they discover credit card receipts or credit card account statements, t...
  • Managing Your Debts: Tips For The Beginner
    Getting out of debt seems like the impossible dream to some. But in actuality, managing your debts is really not that difficult. It can take a little time, and quite a bit of self-control, but if you learn to organize, budget, and manage your debts reasonably, you will be well on your way to financial freedom.

    It is essential to contact your creditors as soon as possible in your effort to erase your debts. Usually, if you make most creditors aware that you are trying to im...
  • Easy And Simple Tips And Buying And Selling Stocks
    Many people who want to start buying and selling stocks in the stock market have never gotten started simply because they are intimidated by their perception of the process. They are afraid it is either too complicated or expensive for the average person. Nothing could be further from the truth. In fact buying and selling stocks in the stock market is a simple process.

    First of all you need to have an understanding of what stocks are. A stock certificate is a unit of owner...
  • Before Applying For A Visa Credit Card Consider The Following...
    Applying for a visa credit card means you should consider more things than just receiving a credit card. This is because there are many types of cards that have different incentives, bonuses, fees, and the like associated with them. So, you need to consider whether you need a visa credit card for your business, gas, frequent flyer miles, cash back, or your children. Whatever the reason you need a visa credit card, there is a card that will meet your needs and provide you with...
  • Saving For Retirement Is Something Many People Put Off, But Why?
    Saving for retirement is something many people put off and put off thinking they will start next year or the next. Then, all of a sudden, individuals are in their 40s or 50s and have no retirement money to speak of and then panic starts to sink in. However, there is no need to panic because there is still plenty of time to do some things to get your retirement account into shape. The things you need to do include coming up with a number you need for retirement, income sources...
  • Before You Refinance Your Home Consider This?
    Before you refinance your home, it is import to consider all your options. First of all, ask yourself, Will it really save me money to refinance? If you determine that it will, you then must decide what type of new loan is best for you and your unique situation.

    In order to make money when you refinance, you must first consider the “break-even” period. This is the period of time that it takes for the savings on interest to cover the cost of refinancing.

    How long will it...
  • Information On SBA Lending
    Building your small business and helping it grow takes a lot of effort and more frequently a lot of money. More often than not the amount of money a small business needs in order to grow properly is difficult to obtain without help from outside sources, like loans. If your business is in the growing process and needs help getting loans, then turn to the SBA, or Small Business Administration. This federally funded program offers assistance to individual businesses in order to ...
  • Mastercard: Can Anyone Get One?
    The way that we deal with money has changed greatly in recent years. In the old days, everything was done with cash or 'paper money'. Later, banks went to checking and then quickly into the newest mode of finances that has become a way of life: credit. Credit companies such as MasterCard have changed the way companies and individuals do business. With credit cards, there are none of the problems, inconveniences and risks associated with using cash in transactions. Credit car...
  • Health Insurance How Costly Can It Be?
    Paying for health insurance can be costly. Yet, paying for a unexpected surgery can be devastating. That is why we have health insurance. Unfortunately some of us can’t afford either of the choices; or at least that is the way we feel about the situation. There are some ways to get more for your money.

    First, you want to make sure you have the right deductible. This is the amount that you will have to pay before the insurance company helps. You see, if you are relatively y...
  • Investments: Playing It Safe On Wall Street
    Investing can be scary. People tell stories of stock market crashes and the pain of cutting their losses. However, investments offer a dangerous magnetism that pulls people to Wall Street to invest in stocks. People have tried and failed to predict the fluctuations of the market, but as you build your portfolio, you will learn to savor the risky rewards of investment by remembering to play it safe.

    While you can’t control the market, you can control the products you invest...
  • Why Do You Have To Consolidate?
    The primary reason to consolidate debt is to make your monthly payments smaller. When financial institutions, like credit unions and banks, offer consolidated loans, what they are offering to do is pay off in full all of a consumer's loans (credit cards, car loans, hospital bills, student loans, etc.) and lump the entire debt into one single "consolidated" loan that generally has a fixed interest rate that is much lower than the cumulative finance charges of all the smaller l...
  • Filing For Bankruptcy Will No Longer Be An Easy Option
    Most of us already are aware that the change in the bankruptcy law will be effective this October. Those who are already in debt argue that it is unfair. Companies that have suffered profit loss through the years are relieved to hear the news.

    The change in the bankruptcy law will force individuals who are in debt or facing debt to file for Chapter 13 bankruptcy. The old way of just erasing debt will no longer be an option to most.

    How does Chapter 13 bankruptcy work? W...
  • Banking Online Has A Great Deal Of Advantages.
    Online banking is one of the newest internet fad, with millions of users flocking to their personal computers to pay their bills online. With a variety of advantages, such as convenience and simplicity, it is no wonder that so many are enthralled by this current trend.

    To pay bills through a virtual banking system, you need a personal computer, access to the world wide web, and in some occasions, software provided by your local bank. A broad percentage of the larger banks ...
  • Visa Card - Things You Should Consider First Before You Apply.
    If you are interested in applying for a Visa credit card, there are a lot of things you should consider first because there are so many types of cards. For instance, consider whether you fly frequently and would like a card that earns you frequent flyer miles, or if you need a card with a very low interest rate because you plan on keeping a balance, or if you are in need of a visa credit card for your business, child, or if you have bad credit. These are all things to conside...
  • Learn How To Sell Your Stocks And Make A Profit
    Have you ever wanted to get started buying and selling stocks in the stock market but it seemed to complicated and you just didn’t know how to get started? Buying and selling stocks is actually quite simple and very easy process.

    The first thing you need to do is have an understanding of stocks and the stock market. A stock certificate is a share of ownership in the company. It is the smallest unit of ownership that you can have. If you own a share of stock in a company yo...
  • Getting Close To Retirement Age?
    If you find yourself getting close to retirement age without a nest egg, do not despair. There are still things you can do during your 40s and 50s to get yourself prepared for retirement. They include figuring out how much money you will need during retirement, income sources like social security or retirement pensions, setting goals, start contributing to your 401 (k), be aggressive, downsize, and eliminate debt to name a few.

    The first thing you should do if you find you...
  • Common Mistakes When It Comes To Refinancing
    There are many reasons for refinancing your mortgage. Refinancing can reduce your interest rates, your monthly payment, or both. Often, refinancing is an effective way to consolidate debt and to reach your long term financial goals.

    However, there are many common mistakes when it comes to refinancing, some of them so serious they could cause you to lose your home. Identifying pitfalls is the best way to make a refinancing decision you will not later regret.

    When refinan...
  • Do We Need To Refinance?
    There are plenty of reasons why people chose to refinance. The needs for home improvements, sending a child to college or simply lower their monthly mortgage are a few. You need to find a loan company that offers you the best rate when you chose to refinance. Comparison-shopping is a wise thing to do before you refinance.

    With the rising cost in college tuition choosing to refinance is becoming more popular. No one wants to deny sending their child of to college to better ...
  • The Rise Of Credit Mastercards.
    Credit has become a pillar of the American economy. When people began to look for ways to increase convenience in transactions, credit cards became popular as an effective way to exchange money in a 'cashless' environment, making transactions faster and avoiding the problems associated with dealing in cash. The rise of credit merchants and the widespread use of credit for household transactions has made large financial groups such as MasterCard into catalysts for the daily fl...
  • Do You Know Which Loan You Want?
    Many people get confused when they hear about the different types of loans available. Here is a helpful loans guide of the most common loans available today.

    Bad Credit Personal Loan

    A Bad Credit Personal Loan is a loan made for people with a bad credit rating. However created, your past record of County Court Judgments, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal.

    If you are a homeowner with equity in y...
  • Why Consolidate Debt?
    People consolidate debt in order to reduce their monthly payments. With a consolidated loan, financial institutions such as banks and credit unions pay off all of a consumers loans and replace them with a single "consolidated" loan of all the combined debt, usually at a lower, fixed interest rate. Consumers can use consolidated loans to pay of debt on automobiles, credit cards, student loans, medical bills, etc.

    If you can't meet your minimum monthly payments, if your loan...
  • Having Equity In Your Home
    If you are a homeowner then you should make building equity in your home one of your number one priorities. The reason for this is that equity in your home is like having cash in your bank account because you are able to borrow against it for a variety of different purposes. Also, when you build equity in your home it means you are that many dollars closer to owning your home outright. There are quite a few things you can do in order to build equity in your home that include ...
  • Dealing With Your Debts
    Managing your debts is probably something that you keep putting off. It is pretty difficult to do when the creditors continue to call. And call. And call some more. It is about time you quit hiding, and start dealing with your debts face to face. There are steps that can be taken to assist you in managing your debt, and clearing your name from the creditors phone list once and for all.

    The first thing you should do is develop a budget. This is a crucial part in eliminating...
  • The Basics Of Online Banking
    Banking online has become the quickest growing internet activity, with nearly 4 million users already managing accounts, and paying their bills through a virtual bank. With the convenience and ease of online banking, everyone seems to be in on the newest trend. And there are quite a few other advantages, such as avoiding the lengthy aspects of conventional banking. Everyone must educate themselves on the basics of online banking before truly deciding whether or not it is righ...
  • Filing For Bankruptcy Will Be A Thing Of The Past
    This year President Bush signed a bill to change the bankruptcy law. This will go into effect this October of 2005. The new bankruptcy law will make it more difficult to file for bankruptcy. This may be bad news to individuals who are drowning in debt. On the other hand it is good news to business and individuals that work very hard to maintain good credit and not suffer from profit loss.

    When the new bankruptcy law goes into effect it will be harder for anyone to file for...

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