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NEED ONLINE LOANS? - Apply for Loans Online - Click Here! Jeff Lakie's Articles Display Category|Title|Newest|Oldest Take Your 401(k) With You! If you have left your employer to pursue another job then there is something you should consider taking with you something that many employees leave behind: their retirement plan. Credit Repair Post Bankruptcy If you recently fired for bankruptcy and wonder if your credit can ever be restored, take heart: it can. Not All Ringtone Plans Are Worth It As the cell phone market continues to evolve you can expert that companies that like to provide accessories for cell phone users will continue to change in order to keep up with the times. No Limit to the Available Ringtones The huge proliferation of cell phones over the past decade has created an all new and very lucrative industry centered on this important medium of communication. Get 15 or More Free Ringtones! One of the great things about ringtones is you can get some quality tunes for free. More and more cell phones are coming with some decent songs, but even better are the packages being touted by companies pushing free ringtones Classical Ringtones Fuel Industry Growth Does it surprise you that the majority of ringtones downloaded are by young users, particularly those in the 18 to 25 age group? A Fatwa Against Ringtones Not everyone likes ringtones and some have found ringtones to be downright annoying. Recently, a Muslim cleric issued a fatwa (edict) against ringtones especially after a cell phone rang during a service. Advantages of Donating to Charity Donating to charitable causes is not only morally correct; it is also a good financial investment, because one can claim tax deduction on their charitable donations. Accepting Credit Card Offers 101 Certainly credit cards are of not much use to you in case you are having a good bank balance right now A Beginner’s Guide to FOREX FOREX is a word play on the term Foreign Exchange Market. It is a market for buying and selling of currencies from all over the world. Certainly, such transactions are bound to be voluminous. Should You List Your Pending Foreclosure Home Online? When facing foreclosure, you may be considering different ways to avoid action being taken against you. One way is to immediately list your home with a renowned realtor in the hopes that she will bring the right buyer for you The Travel Magazine Formula In this day and age we see new magazines being launched every time we look around at the magazine racks. Free Magazines: Who pays for them and how do they survive? Lots of the magazines we find on racks or receive in the mail are free of charge, but someone has to pay for those glossy issues, and without a subscription or sales price, these magazines are underwritten by sponsors Status Magazines: Some magazines are bought to impress others While most of us think of magazines as publications that we buy in order to be entertained, educated, or informed, there are many magazine buyers who buy them mostly because they represent status symbols Buying Magazines: Is it worth it to subscribe for home delivery? When trying to decide whether to buy magazines in a store or from a sidewalk stand, or to have them sent through the mail as a subscription, many of us are not sure which way to go Magazine Deadlines: A look inside a magazine production schedule Magazine production is a business that runs by the clock, and those who produce magazines live a work life that is totally based on a constant series of ever-evolving and constantly moving deadlines Submitting Articles to Trade Magazines One of the best places to get yourself published – even if you are only a novice writer – is in specialized trade magazines The New Yorker Magazine Joke Caption Contests The New Yorker Magazine has long been famous for its well-illustrated jokes. The simple pencil line drawings are created by some of the top illustrators of jokes in the world, and although many of the magazines jokes have a peculiar and sometimes hard to catch sense of humor, they are nevertheless appreciated with laughter by millions of readers Consumer magazines are sometimes disguised ads We all want to trust that what we read is true, authentic, and genuine, but often the printed word is backed up by paying sponsors who control the spin Tips for Making Magazine Storage Racks Magazines are certainly very easy to collect, because they are inexpensive, everywhere we shop, and cover every imaginable subject under the sun Magazine Stands: An urban institution While most readers probably get their magazines through the mail by annual subscription, many prefer to pick them up on the street at urban news racks or kiosks Grit Newspaper becomes a Magazine: Rural retro comes back in 2006 Back in the 1950s, rural communities existed all across the USA. In fact, more than half of all Americans were growing at least some – if not all – of their own food at that time, and agriculture was an enterprise that was as common to Americans as the Internet is to today’s generation Different Editions of the Same Magazine in Different Countries One thing that travelers often remark about when they return from other countries is that the magazines they are accustomed to reading at home are different in other locations. Magazine Charity: Recycling your old magazines If you want to start your own charity, you do not have to be a millionaire – or even have expendable income Give Magazine Subscriptions: Holiday gift ideas Holiday gift ideas, whether for a birthday, an anniversary, a graduation, or a year-end holiday like Christmas, come in handy for all of us. It is one thing to set aside some time and money to give a gift, but choosing the right gift for the right person can be a monumentally challenging task Writing for Magazines: Tips for freelancers As the magazine industry proliferates, so does the need for writers. And as is the case in many industries, employers often prefer to use freelance or independent contractor help, instead of having fulltime employees for whom they have to provide benefits, workspace, and other support Tax Deduction Options You May Have Missed As a business person or everyday taxpayer you may think that you have taken every conceivable tax deduction available to you. However, if you paid closer attention to recent amendments to the tax code you may have uncovered some additional special deductions for the most recent tax year. Keeping Your Georgia Home Out of Foreclosure If you live in Georgia, then you fully enjoy a state well known for its big city amenities as found in Atlanta as well as the antebellum culture of Savannah. Locations Where Foreclosures Are Nearly Blooming The home foreclosure market – if that is a proper term to use – is blooming, but not evenly across the nation. Foreclosures Are Increasing, Will You Bite? They say that one man’s misfortune is another man’s fortune. Few people really like to take advantage of someone else’s tough times, but in the present housing market it is nearly foolish not to. Keeping the Foreclosure Monster at Bay! Have you fallen behind on your mortgage payments? Are you worried that your home may soon be foreclosed? Property Taxes and Your Personal Vehicle – Save Money! In some states consumers can expect to pay property taxes on their homes as well as on their personal vehicles. Low Taxes Mean a Stronger Economy There is a killer on the loose that can steal, kill, and destroy the economy: high taxes. In areas of the world where taxes are very high, economies are generally very weak. Carolina Real Estate Foreclosures If you are a distressed homeowner and are living in the Carolinas, then avoiding foreclosure is essential to keeping you in your home as well as preserving your credit integrity. Be Aware of the Foreclosure Hunters! You may already be at the point where you know that foreclosing your home is inevitable. Likely, you are several months behind on mortgage payments and unable to meet your debt obligations. Home Foreclosures Can Lead to Big Profits If you know of a home that is about to be foreclosed you could conceivably step in before the court ruling and buy the home. Finding and Profiting From Home Foreclosures Thousands of investors across North America have taken a part time opportunity and turned it into a full time career, one putting them squarely on the road to wealth. Things to Consider Before Foreclosure If your home is at risk of foreclosure it may be one of the worst things that can happen to you in your life. Short of a serious illness or an untimely death, a home foreclosure can adversely shape your life and impact your ability to function normally for many years. Home Based Business Tax Deduction Options If you operate your own business, particularly you run a business from your home, you probably already know that you have a large amount of deductions at your disposal. Are you familiar with all of them? If not, let’s take a look at some key deductions you don’t want to miss. Finding Real Relief From High Taxes It is the bane of citizens everywhere: high taxes that can crimp your lifestyle, even affect the way that you do business. In many areas, citizens are revolting against ever increasing taxes by insisting that lawmakers hold the line on spending. A Short Sale to Avoid Home Foreclosure If you are looking to purchase a home before it goes into foreclosure, you may be able to arrange a short sale if you play your hand right. A short sale involves selling the home to you at a price less than what the owner owes to the mortgage company. A Hidden Answer to Your Pending Foreclosure Problem Falling behind on your mortgage is not a good thing, but sometimes it simply cannot be avoided. A job loss or other stumbling block could force you to miss one or two payments making you vulnerable to foreclosure. You Can Save Money On Health Insurance American consumers understand that one of the biggest costs of maintaining our high standard of living is ensuring that everyone has access to adequate healthcare. Unlike most of Europe and Canada, there is no national health insurance plan in place You Can Have Fun With Plastic! A few generations ago, no one would have thought much about a society that did the bulk of its transactions with a little plastic card. Today, few would think about using cash for most purchases as credit cards and now debit cards have taken the world by storm. Yes, You Can Refinance Your Car Loan Everyone has heard about home refinancing where people replace their original mortgage with a new one. What a lot of consumers haven't heard about is car refinancing and how they can get rid of their original car loan for a better loan elsewhere. Working With An FHA Lender Applying for a home loan for first time mortgage borrowers can be a daunting and confusing task. An alphabet soup family of words is used: FHA, HUD, VA, and more can describe a loan, an agency, or some other plan. How do you know which one is right for you? Well, for starters the Federal Housing Authority of FHA doesn't issue loans, but they do back them. Understanding Internet Based Commercial Banks Ads on television, radio, plastered on billboard, in newspapers, magazines, and all around the internet are touting various internet based commercial banks. Likely, you have been intrigued by these ads where interest rates on even plain old savings deposits are above four percent and most CDs over five percent. Time For A Student Loan Consolidation Loan? If you have taken out several student loans then the time to consolidate could be now. There are several great debt consolidation loan programs available to help you pull all of your loans together into one easy to make monthly payment. Stay tuned for some helpful information! The Convenience of Online Bill Paying If you are like most people, you know that paying bills is an important part of maintaining good credit. If you are late or if you miss payment on a particular bill, you could soon find yourself hit with dunning letters or worse: your credit score could take a hit. Take Care That A Store Card Does Not Come Back to Haunt You You’ve seen the promotions as you walked into your favorite department store: sign up for a store card right now and you can get ten percent off of all of your shopping for the day even on sale items. Second Mortgage or Equity Loan: They Are Both the Same In the financial arena, many terms are used to explain what amounts to be the same thing. Mortgages are home loans and equity is the cash value in your home. One term that is used that sometimes causes confusion is second mortgages. Save Big Bucks On Motorcycle Insurance If you own a Harley, Yamaha, Honda or other fine bike you are probably very proud of your wheels. Bike prices are skyrocketing in the face of more motorists deciding to take to the streets in search of the ultimate riding experience. How well insured are you? Are you satisfied with your current motorcycle insurance? Save Money On Your Home Security System One of the largest and fastest growing consumer markets are home security systems. From city dwellers to farmers, home security systems provide residents with the security and peace of mind that they seek when away from home or at night when they are most vulnerable to break-ins and attacks. Preventing Identity Theft From Ruining Your Life Identity theft is a worldwide problem that continues to widen its scope every passing month. Billions of dollars are lost every year to criminals who obtain and reuse confidential consumer information to their advantage and to your peril. You can prevent identity theft by following several simple tips as suggested by law enforcement and consumer rights experts. Read on and I'll inform you of the ways that you can lessen your risk of becoming a victim of identity theft. Personal Bankruptcy and Home Buying If you were granted a personal bankruptcy decision over the past several years you know that obtaining new credit is difficult, almost impossible. Fortunately, if you are looking to purchase a home, there are ways for you to still find home financing even with a personal bankruptcy ruling on your credit report. It won’t necessarily be an easy thing to do, but you could be in your new home if you explore some of the options open to you. Money Saving Tips For Your Next Vacation If you are in the middle of planning your next vacation, likely you are giving some thought to ways you can curtail your costs. Vacations should be an enjoyable and relaxing time but not at the cost of straining your budget. Less Than Perfect Credit Personal Loans If your credit is less than perfect and perhaps even below the average credit score rate, you may find it difficult to obtain a loan to purchase that car you want, pay for your child’s education, fund your daughter’s braces, or finance a whole host of other projects you have in mind. How to Get The Best Car Loan Deal Possible You can get a terrific rate on a new car loan and save yourself thousands of dollars in interest payments. Does this sound too good to be true? Well, it isn’t! Consumers are saving big on car loans and you can be one of the lucky ones too if you go into the deal fully equipped. Keep reading to learn how you can strike the deal of the century! Home Refinancing Post Personal Bankruptcy You filed for bankruptcy and after what seemed to be a lengthy time your application was granted by the courts. Fortunately, you were able to keep your house and most of your other debts including credit cards and one personal loan were discharged. Home Equity Lines of Credit Provide Value and Convenience If you are considering doing any work on your home, then a home equity line of credit can provide the value and convenience you need to get the job done at the pace you determine. Indeed, with a ready reserve of cash to draw upon you can borrow as little or as much as you like up to the full amount of the line. Get the Most Bang For Your Internet Advertising Dollars Internet advertising is all the rage with so many people talking about Google Adwords and Adsense that so much else is being missed in the process. If you run a small business, then you know that harnessing the power of the internet to obtain new customers is essential to the success of your endeavor. You can make internet advertising work to your advantage if you know certain truths first. What may that be? Keep reading and we’ll take a look at them. Free Checking Accounts Are The Right Way To Bank Banking fees certainly have been climbing over the years. Today it is common to hear about banks charging $35 for one returned check, $20 for a money transfer, $125 for a consumer loan application, and $12 per month for checking. Fortunately, some financial institutions are wising and realizing that customers do not want to over run with fees. While many of the charges I mentioned won’t go away, checking account fees can if you follow a few simple rules. Find the Very Best Credit Card Offer Check your mailbox on any given day and you are likely to find one, two, three or more offers to get a credit card. Most offers on the surface look pretty good, but you’ll have to do some digging before you find one that is a real hit. Are you considering opening up a new credit card account? If so, let’s take a look at what makes a worthwhile offer for card seekers everywhere. Donate a Car to Benefit Charities and Yourself The Internal Revenue Service allows for many different types of charitable deductions including cash, clothes, goods, and some services. One of the "goods" approved by the IRS that taxpayers may donate is their car. Although the IRS has tightened things up over the past few years, donating a car can benefit a favored charity and help yourself come tax day. Let's take a look at how your car donation can help you and a recognized charity. Can Debt Negotiation Work For You? If you owe monies to several lenders are finding it difficult to keep up with payments, then perhaps some form of debt negotiation could work for you. What is debt negotiation and how is it accomplished? Keep reading and we’ll take a look at what can be achieved via debt negotiation. Buy At Wholesale For the Best Deal Available Consumers looking for a great buy on a product are often drawn to sales at their local department store, retail chain, or factory outlet. Indeed, discounts of ten to fifty percent even more are possible it you hit these stores at the right time and the exact product is available when you shop. Building Credit With No Credit One of the oddities of the credit system is that if you apply for a credit card and haven’t had credit before, you not only will probably get turned down but your efforts will work against you in the form of a drop in your credit rating. Are All Credit Reports Truly Free? The Federal Trade Commission through an act of Congress has authorized that the three major credit reporting bureaus offer one free copy of your credit report to you on an annual basis. This decision has proven to be a boon for consumers who can now find out what creditors are saying about them and quickly respond to errors and omissions. Not all offers for obtaining free credit reports are truly free. Read on and we'll explore how you can know if an offer is right for you. All About Short Term Emergency Loans You have heard about them and have seen ads on the internet, perhaps even listened to radio ads or television spots about this financial product. What am I talking about? Payday loans, also known as cash advance loans or short term emergency loans. What exactly is this type of loan and should you ever take one out? Keep reading and we’ll explore the upsides and downsides of this type of personal loan. A Visa Gift Card Is A Thoughtful Gift If you are considering giving a gift to a friend, neighbor, family member, or co-worker, then consider giving a gift card instead of a present. Gift cards allow recipients to choose the gift that befits them and in many cases the card can be used at many different locations, especially if it is a Visa gift card. Yes, the same company that offers credit card and debit card services and is accepted almost everywhere now offers a gift card that can be used all over. A Low Credit Score Can Really Cost You! If you have a low credit score, well below the national average of 723 then that low score will cost you plenty over time. Loans will be difficult to obtain, but if approval is given you will pay a higher interest rate than someone with good credit. Think that a low credit score can’t hurt you? Well, it not only can it can make your life downright miserable. Five Budget Tips to Help You Save Saving money is much easier than earning it from scratch. But it is also much harder than it is to spend money, and as a result, most of us spend what we would rather save. In order to begin saving money, we need to have a plan, and the more automatic the plan works, the better. Construction Projects and Gas Prices: Plan your budget accordingly If you have a construction project planned, you may want to adjust your projections to include the impact that will be felt from rising gasoline prices. Becoming A Landlord: Things To Consider First Being a landlord is certainly a great way to make more money in the real estate business, because as a landowner who can also generate income through rental and lease agreements, you can often increase your earning power significantly. Using Zero Interest Introductory Offers to Your Advantage As consumers we are constantly bombarded with offers and incentives to attract our business, and most of the time the solicitations are nothing more than basic junk mail. Turning a Hobby into a Business Many of us dream of being our own independent bosses by going into business for ourselves. And most of us would jump at the chance to do what we enjoy, as a vocation. Piggy Banks for Grown-ups: How to help yourself save We encourage our kids to use piggy banks to save up for special purchases like bicycles and sneakers, but then we never consider taking our own good advice and employing the same means to save for ourselves as adults. Password Protection Tips for Online Shoppers Online shopping was once seen as quirky and impractical, but it has proven that not only is it a viable consumer option, it is also a mega pipeline for billion dollar businesses. Credit Cards and Teens: A good or a bad idea? Teens were described by one parent as “hormones in basketball shoes”. Indeed, teens can be wild and unpredictable. How to Travel in Foreign Countries Safely with Enough Money Travel is wonderful, and many of us would do nothing but travel the globe if we had the means to live that kind of jet-set life Global Investment from Home Because we live in a day and age when it is easy to instantly connect to other parts of the globe, our economy and financial world has become much more global in scope and significance. Index Funds Explained We have all heard of the familiar indices such as the Dow Jones Industrials or the S&P 500, but we don’t necessarily know how they relate to us as investors. Paper Certificates or Street Ownership? Is one safer? When you buy stock in a publicly traded company, you become a shareholder and are entitled to own a stock certificate of ownership, if the company issues those. In the past, some of these certificates have become collectible works of art or memorabilia, as companies put extra effort into producing attractive looking documents. Choosing Stocks from a Consumer Perspective Investing in the stock market sometimes boils down to one essential element, namely good choices. No matter how well we do our research, how often we buy and sell, or how much we pay experts for their tips and advice, without choosing stocks that represent value, we won’t succeed Investing in Socially Conscious Stocks You may want to be socially conscious and do the right thing, both in your own community and in the larger global community You Can Invest in Marijuana Legally on the Stock Market A few decades ago, research into the medical benefits of marijuana was common, and was funded by both private and public grants. Almost every major university had some program underway for studying the subject Buying Currency in Iraq: A bargain or not? If you do an Internet search for companies that trade in currency, you may be surprised to find that there are dozens, if not hundreds, of web sites dedicated to promoting the purchase of the Iraqi currency. Day Trading or Investing for the Long Haul? Among those who buy and sell stocks there is an ongoing debate about whether the most profitable approach to stock market trading is short or long term investment. Full Service versus Discount Stock Brokers Investing in the stock market has become more popular than ever. And especially since brokerage services now offer Internet transactions that can be placed from home, work, or from the local cyber cafe; individuals have begun investing for themselves without the help of a full-service broker Stocks to Buy for Bear Markets When stocks are bullish – that is, when prices of the stock market in a steady rise – it is pretty easy for anyone to make money on Wall Street Selling it Yourself versus Paying a Realtor Almost every homeowner considers the possibility that they could go it alone and sell their own home, in order to save on real estate commissions. Selling a home without professional help is often a quick path to significant savings, because paying commissions to real estate agents is expensive Leveraging Property to Buy Property Many lucky homeowners are using equity they gained during the recent bull market in real estate to purchase second homes. Refinance: Should you? For the moment, interest rates remain an excellent bargain. They hover near historically low levels, but as they begin what many experts predict will be a steady, continuous rise, many consumers are rushing to refinance and lock in those great rates. Using Home Equity to Buy a Car Home equity loans are a great way to borrow, and although many homeowners use them for home improvement projects, they can also be used for other purchases, like car buying. Credit Cards versus Home Equity Loans If you own your home and pay a mortgage, you probably already know that there are certain income tax advantages for deductions such as interest payments made each month Pretty Profits from Ugly Homes Because of general stereotypes related to what constitutes real estate value – perpetuated by advertising and media hype – most of us are led to think that the wealthy real estate moguls got that way through high-priced mansions and posh resort property. 80/20 Loans Explained Nearly half of all first-time homebuyers financed the entire cost of their home, rather than paying a hefty down payment. Avoiding Closing Costs When Buying a Home Most homebuyers – especially those doing it for the first time – are faced with a tough challenge when it comes to closing costs Mortgage Options for Self-Employed Buyers Self-employed homebuyers generally have more difficulty getting a mortgage, because of the way their income is reported and because they are often perceived as not having the job security of others – if they get sick, for example, their whole operation may be down for the duration Avoiding Bank Fees Occasionally many of us will experience the dread of a bounced check, this will result in an abundance of fee’s that include an overdraft charge and a fee for the bounced check with the bank alone. [1] [2] [3] Verse Of The Day AWeber Headline News	Sign Up for a free account or learn more. Choose Your Language Home Submit Articles Member Login Top Authors Most Popular Articles Submission Guidelines Ezine Notifications Article RSS Feeds About Us Link to Us Contact Us Privacy Policy Terms of Service NEED ONLINE LOANS?? - Apply for Loans Online today - Click Here! mfm 2007 Discover how to turn Your Hobby - Any Hobby - into a Profitable Business even if you are a "technical junkie" Click Here Now Wondering WHY you need SBI? WHY does it work? Sit back, watch this 30 minute thriller FOR SALE The Domains SpamFirewall.com Disasterinsurers.com Are For Sale! The CPA Craze Is On! Its the next big thing. Affiliate marketing will never be the same. Join the Net's CPA networks with Highest Payouts. Join CPA Empire Join Modern Click Join MaxBounty Join Azoogle Ads Join ShareAsale Guess What? "The Bible Of Selling On The Net" is now FREE! Grab Your FREE Copy before Ken Evoy comes to his senses! 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