How Homeowner Can Save Their Home From Foreclosure

by: Bobby Johnson

Drive around and see how many signs you see that says House for Sale. How many lease purchases do you see? How many abandon houses are on your street? Our country is up against the wall with delinquence mortgages. FHA mortgage lenders are filing claims in the millions from HUD. How do I know? I counsel homeowners every month concerning their mortgage and what they need to do to protect their property and communicate with their mortgage lender.

What is the cause of all these delinquence? There could be several reasons:

Prospering with Mutual Funds: How anyone can “Afford” an

an Investment Advisor

by: Ulli G. Niemann

Recently I was invited to appear on a live CNNfn television show to discuss my article “How to evaluate Load vs. No Load Mutual Funds.” (You can read that article on my website http://www.successful-investment.com/articles21.htm)

As the producer and I were working out the logistics of my appearance, she mentioned in passing that “most people can’t afford an investment advisor.”

While that wasn’t the time or place for me to discuss this, I realized that many people might have a similar misconception. Had conditions allowed, I would have pointed out the following to her.

No Load Mutual Funds or Exchange Traded Funds (ETFs)?

by: Ulli G. Niemann

If you are fed up with early redemption charges and ever increasing mutual fund management fees on top of bad-performing fund managers, read on. There is a quiet revolution going on in the no-load mutual fund industry and you, the individual investor, may benefit from it greatly.

I am referring to Exchange Traded Funds (ETFs), which have been around for years, but have grown tremendously since their inception. There are currently over 100 choices with around $10 billion in assets.

In a nutshell, an ETF is a specific kind of no-load mutual fund that you might consider to be a basket of stocks. ETFs are diversified like mutual funds, only they trade like stocks. They are cheap to trade (as low as $8.00) and don’t hit you with any short-term redemption fees. And they offer investing opportunities across the board.

How Homeowner Can Save Their Home From Foreclosure

by: Bobby Johnson

Drive around and see how many signs you see that says House for Sale. How
many lease purchases do you see? How many abandon houses are on your street? Our
country is up against the wall with delinquence mortgages. FHA mortgage lenders
are filing claims in the millions from HUD. How do I know? I counsel homeowners
every month concerning their mortgage and what they need to do to protect their
property and communicate with their mortgage lender.

What is the cause of all these delinquence? There could be several reasons:

Like It Or Not, You Have A Score To Settle (Part 2)

by: CreditandYou.com

In part 1, we covered the basics about credit scoring – what it is and how it is calculated. It’s time to address the critical question ...

What happens if you are denied credit or don’t get the terms you want?

The Equal Credit Opportunity Act requires that the creditor give you a notice either with the specific reasons your application was rejected, or stating that you have the right to learn the reasons if you ask within 60 days.

NOTE: Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific.

Like It Or Not, You Have A Score To Settle (Part 1)

by: CreditandYou.com

Just when most people finish with school and can stop worrying about test scores, there’s a new kind of scoring that enters the picture. It’s called credit scoring. And, its impact on your financial future can mean more to you than a college degree.

You may never know your precise credit score, but you need to know if you’re at risk!

Credit Scoring ... Why It’s So Important:

Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you’d be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans.

Precisely what is credit scoring?

7 Surefire Ways To Repair Bad Credit

by: Wes Atkins

Do you have a poor credit rating? If so, you are one of tens of thousands of Americans with the same problem. In fact, it seems that this has become a national ‘disease.’ And just what do people need that have a disease? They need a cure.

Here are some sure-fire solutions to ' repair bad credit '. Keep in mind, like most ‘diseases,’ credit repair can take some time, but complete healing is possible.

The First Step

10 Tips for Investing in Distressed or Foreclosed

by: Elaine Voncannon

1. Search on the world wide web for distressed or foreclosed properties as a starting point. Use a professional REALTOR to identify great foreclosure deals for you. You may be successful at searching the web on your own, but keep in mind some of the information is outdated, some may be incorrect, and some of the available properties are not even listed. A REALTOR subscribes to updated MLS listings and can offer you the most current information available.

2. If you search yourself for distressed properties and purchase from the selling agent, you are paying a commission to someone with a vested interest. Obtain objectivity in the sale by working with your own REALTOR. You won’t pay any more. Technically, everyone works for the seller, since they pay the commission.

Know Your Rights When Investing In A Mortgage

by: News Canada

(NC)-Investing money in a private mortgage for attractive returns has its merits and its risks. This type of investment is one in which a person lends money to a borrower who pledges real estate as security for the loan. These types of mortgage investments may be arranged through a Mortgage Broker.

All Mortgage Brokers in the province of Ontario are required to be registered with the Financial Services Commission of Ontario (FSCO), an agency of the Ministry of Finance.

Protect Your ASSets in Business

by: Stephen Bucaro

Many people are starting an online business without a thought about the danger this may pose to their personal assets. The type of protection you need depends upon the nature of your business and the amount of your personal assets.

If you have no personal assets, you probably don't need much protection. They say "you can't get blood from a turnip". Hey, if someone wants to take over your credit card debt, they are welcome to it!

But if you do have investments, or own a home, and someone sues your business, they could take your personal assets. If you do not incorporate your business, by default it is a "sole proprietorship". This means your business is YOU and your assets are at risk.

Saving Money By Spending Wisely

by: Willard Michlin

Why is it that the older and richer people become, the more conservative they are with their money? Have you ever done or know someone who has made an investment that promised a 10% interest or profit per month? Everyone wants to make above average profits. It is amazing how many people will send their very hard earned money across the world to Nigeria or to Boca Rattan, Florida on the promise of a telephone acquaintance to make them much richer. People give their money to complete strangers in hopes of making more money.

All good investment advisers will tell their clients “If a deal is too good to be true, it probably is.” Professionals only make very high returns in areas they personally know very well. This, for them, is a business investment, not a passive investment like stocks, bonds or mutual funds. Real estate and business investments are considered active investments. People who are employed by others do not usually make active investments, because they just do not have the time to watch a business investment, where big profits are always possible (as well as big losses.)

Investing in the Stock Market

Investing in the Stock Market
Posted on Saturday, July 17 @ 19:47:04 CDT by firehors
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by: Charles M. O'Melia

From the book 'The Stockopoly Plan' by the author Charles M. O'Melia

There are several factors an investor in the stock market should consider:

1. All stock purchases should be commission-free.

2. All stocks purchased should be from a company that has a history of raising their dividends every year.

3. The company should not only have a history of raising their dividend every year, but should also show price appreciation in the market place, on a year to year basis.

4. All dividends from the companies should be rolled-over into more shares of the company, until retirement. This should be done by the company, for the shareholder, commission- free.

5. The companies purchased should have staggered dividend pay-out dates so the income from 12 companies will provide the shareholder cash dividend income every week of the year. No more than 12 companies should be owned, otherwise, you’re probably spreading your money too thin.

7 Advantages to Incorporating

7 Advantages to Incorporating
Posted on Saturday, July 17 @ 19:54:07 CDT by firehors
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by: Alex Goumakos

There's no question that hard work and a little luck is what it takes to BE successful. But a little knowledge, especially when it comes to setting up your business, will help you STAY successful.

While many business owners give a lot of thought to location, store décor, customer service, hiring employees and management issues (and rightly so); choosing the proper business structure (such as sole proprietor, partnership, corporation, limited liability company) doesn't get the attention it deserves. Many entrepreneurs don't realize this, but the business form they choose can often times be the difference between success and failure, especially in today's competitive and litigious marketplace. If you want to succeed, you need all the advantages you can get. High on the list of safe bets is the corporate form of business.